Sentinel AML
Transaction monitoring · case management · regulatory reporting

Sentinel AML scores every transaction the instant it settles, builds the alert into a court-ready case, and drafts the SAR — while your investigators stop drowning in the 95% of alerts that were never suspicious to begin with. One monitoring engine for cards, wires, ACH, and crypto, tuned to your risk appetite instead of a vendor's defaults.

  • Live on your ledger in days — not the 9-month integration legacy vendors quote
  • Every score, rule, and decision is explainable to an examiner
  • FinCEN, FINTRAC, and FATF reporting built in, not bolted on
Overview
Live
$2.4M
Volume
+18.2%
Growth
99.99%
Uptime

Monitoring live flows at banks, processors, and remitters in 14 jurisdictions

Harborline BankCedarpayNorthwall TrustVela RemitArgent UnionTideway ExchangeHarborline BankCedarpayNorthwall TrustVela RemitArgent UnionTideway Exchange
The monitoring engine

Detection that explains itself —not a black box you defend in an exam.

Legacy systems flag on static thresholds and bury your analysts in noise. Sentinel scores behavior in real time, shows its reasoning on every alert, and lets you tune the rules without a six-month vendor change request.

Real-time behavioral scoring

Every transaction is scored the moment it settles against the customer's own baseline — peer group, historical pattern, expected activity from onboarding. Structuring, layering, and funnel-account behavior surface as it happens, not in next month's batch run.

Entity resolution & network graph

Sentinel links customers, counterparties, devices, and beneficial owners into one graph, so a ring laundering through twelve shell accounts reads as a single connected case instead of twelve unrelated alerts.

Explainable on every alert

Each score unrolls into the exact rules, features, and transactions that triggered it — in plain language an examiner can read. No proprietary scoring you can't defend in a model-validation review.

Sanctions & watchlist screening

Screen parties against OFAC, UN, EU, and HM Treasury lists with fuzzy matching tuned to cut false hits, plus PEP and adverse-media coverage refreshed continuously, not quarterly.

Crypto & on-chain tracing

Trace funds across chains, flag exposure to mixers, darknet markets, and sanctioned wallets, and tie an on-chain address back to the fiat account that cashed it out — in the same case file.

Tune rules without a vendor ticket

Adjust thresholds, write new typology rules, and backtest them against a year of your own history in the console — see the alert volume and hit rate before you ship a single change to production.

What changes on the compliance floor in the first quarter.

94%
Of legacy false positives cleared after tuning
4.2x
More true SARs filed per investigator
8 min
Median alert-to-disposition, down from days
100%
Of decisions carry an examiner-ready audit trail
From alert to filing

Case management thatfiles the report for you.

An alert is only the beginning. Sentinel carries it all the way to a SAR your regulator accepts and an audit trail that survives the exam — without your analysts copy-pasting between five screens and a Word template.

One case, every signal

Transactions, KYC profile, prior alerts, linked entities, and analyst notes assembled into a single timeline the moment an alert escalates.

Auto-drafted SARs & STRs

Sentinel pre-fills the narrative, parties, and transaction schedule, then files electronically to FinCEN, FINTRAC, or goAML in the right schema.

Maker-checker workflow

Built-in segregation of duties — investigate, review, approve — with every decision and reason captured for the audit file.

Examiner-ready audit log

Immutable record of who saw what, why each alert was dispositioned, and how every rule was tuned — exportable for your next regulatory exam.

Typology coverage

The laundering plays your ledger should already know.

Money rarely launders in one obvious move — it hides in the shape of activity across accounts, time, and jurisdictions. Sentinel ships detection for the typologies regulators expect you to catch, each tuned to your customers instead of a generic rulebook.

Placement

Structuring & smurfing

Cash broken into sub-threshold deposits across accounts, branches, and days is reassembled into one pattern and scored as a single coordinated attempt.

Layering

Funnel accounts

Many originators paying into one beneficiary across regions — the classic mule signature — surface as a connected network, not scattered low-value alerts.

Integration

Trade-based laundering

Over- and under-invoicing, phantom shipments, and round-tripping between related entities flagged where value and goods stop reconciling.

Pass-through

Rapid movement of funds

Money in and out within hours, leaving a near-zero balance, is caught as pass-through behavior even when each leg looks individually clean.

Screening

Sanctions & PEP exposure

Counterparties matching watchlists, sanctioned wallets, or politically exposed persons are screened on every transaction, not only at onboarding.

On-chain

Crypto off-ramping

Funds arriving from mixers or high-risk exchanges and cashed out to fiat are traced across the chain and tied to the account that received them.

From the compliance floor

MLROs sleep better when the audit trail writes itself.

Our old system fired four thousand alerts a month and maybe forty mattered. Sentinel cut the noise by ninety-four percent and the alerts that land are real. My investigators finally work cases instead of clearing junk.

A
Adaeze Obi
MLRO, Harborline Bank

The regulator asked us to defend a scoring decision from eight months ago. We pulled up the alert, the exact rules that fired, and the analyst's reasoning in under a minute. That conversation used to take us two weeks.

D
Daniel Reyes
Head of Financial Crime, Cedarpay

We'd been quoted three quarters to integrate our last platform. Sentinel was scoring live transactions on our ledger inside two weeks, and SARs that took an analyst a full day now draft themselves before lunch.

M
Mei-Ling Chow
VP Compliance, Vela Remit
Pricing

Priced on monitored accounts. No per-alert tax.

Charging per alert punishes you for tuning out noise. Sentinel bills for the accounts you monitor, so cleaning up false positives lowers your workload, never your bill.

Growth

For fintechs and credit unions standing up real monitoring.

$1,900/mo
  • Up to 25,000 monitored accounts
  • Real-time scoring for cards & ACH
  • Sanctions & PEP screening
  • Case management & SAR e-filing
  • Standard typology library
  • Email & chat support
Most popular

Scale

For banks and processors that need full coverage and tuning control.

$6,500/mo
  • Up to 250,000 monitored accounts
  • Wires, crypto & on-chain tracing
  • Entity resolution & network graph
  • Custom rules + backtesting console
  • Maker-checker workflow & audit log
  • Dedicated onboarding engineer

Enterprise

For regulated, multi-entity, multi-jurisdiction institutions.

Custom
  • Unlimited monitored accounts
  • On-prem or private-cloud deploy
  • Model validation & governance pack
  • FINTRAC / goAML / multi-regime filing
  • SSO, SCIM & data residency
  • Named financial-crime advisor & SLA

Straight answers for compliance teams.

How long does it take to go live?

Sentinel connects to your core ledger or payments rails through a streaming feed or batch file, so most teams are scoring live transactions within two to four weeks — not the nine-to-twelve-month integration legacy vendors quote. We map your existing customers, risk segments, and historical activity during onboarding so the engine has a baseline from day one.

Will this just add to our alert backlog?

The opposite. Behavioral scoring and entity resolution collapse related signals into one case and suppress the static-threshold noise that legacy systems generate. Customers typically clear 85 to 94 percent of their old false positives after tuning, while catching more genuinely suspicious activity.

Can we defend Sentinel's decisions in a regulatory exam?

Yes — explainability is the core of the product. Every alert exposes the exact rules, features, and transactions that produced its score in plain language, every disposition is logged with the analyst's reasoning, and the model ships with validation documentation for your governance and model-risk reviews.

Which regulatory regimes do you support?

Sentinel files SARs to FinCEN, STRs to FINTRAC, and reports through goAML, with typologies aligned to FATF recommendations and screening against OFAC, UN, EU, and HM Treasury lists. Multi-entity institutions can run jurisdiction-specific rules and reporting from one platform.

Does it replace our case-management and KYC tools, or sit alongside them?

Either. Sentinel ships a full case manager, but it also writes back to ServiceNow, Jira, and the major case platforms over API, and ingests KYC and customer risk ratings from your existing onboarding stack so scoring reflects the profile you already hold.

How do you handle crypto and on-chain activity?

Sentinel traces funds across major chains, flags exposure to mixers, darknet markets, and sanctioned addresses, and links an on-chain wallet back to the fiat account it funds or cashes out to — so crypto and traditional flows sit in the same case file instead of two disconnected tools.

Is our customer and transaction data secure?

Sentinel is SOC 2 Type II and ISO 27001 certified, encrypts data in transit and at rest, supports data residency by region, and offers on-prem or private-cloud deployment for institutions that require their data to never leave their own perimeter.

Bring a week of your owntransactions. Watch it work.

We'll score a slice of your real history live — and show you the false positives it clears, the network it surfaces, and the SAR it drafts before you've finished your coffee. No nine-month integration to see the difference.