Cross-Border Remittance Company — Case Study | Fintegrity

A Cross-Border Remittance Company

Corridor-specific AML obligations meant the same transaction could carry very different risk depending on the sending and receiving country. The compliance team maintained risk logic in spreadsheets that were manually updated whenever a corridor's regulatory profile changed, and updates routinely lagged behind the change itself by weeks.

Fintegrity modeled corridor risk as configurable rule sets rather than static spreadsheet logic, so updating the risk profile for a specific sending or receiving corridor is a configuration change, not a code change or a manual spreadsheet edit. Rules can weigh corridor, transaction size, and customer risk profile together in a single real-time decision.

Sanctions and PEP screening across both sides of a cross-border transaction were orchestrated through the existing screening vendor, with results incorporated into the same decision rather than checked separately for sender and receiver.

Case management gives the compliance team a single queue for all FLAGGED and HELD_FOR_REVIEW transactions, regardless of corridor, with the specific rule and risk factors that triggered the flag attached to each case.