Automated AML Checks for Client Onboarding & Monitoring

The costs and complexity of AML compliance checks are rising. Financial Services firms are allocating increasing budgets and manual resources to validate their customers but their processes can still fall short of increasingly stringent rules on global compliance standards.

Despite all the additional effort expended, manual and paper-based AML and compliance checks often result in dissatisfied customer, slow on-boarding and lost opportunities, as well as a negative impact on operational efficiency. In a competitive market customer/client onboarding processes need to be fast, straightforward and as automated as possible.

At NorthRow we work with a number of leading Financial Services firms to automate their AML, KYC and IDV checks, streamlining the customer onboarding process via a single, easily integrated API, improving the customer experience, whilst reducing costs.

Automated AML Compliance via Single API


Streamlined Client Onboarding

Clients expect a seamless onboarding experience, and the first touch point is crucial in setting the expectation for the rest of the customer journey. Onboarding a new client represents the best time to mitigate your business risk or to detect and manage potentially risky accounts before they become problematic.

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NorthRow Offers Real-Time AML Checks

With access to one of the largest databases of information available from multiple data sources, NorthRow’s technology can perform comprehensive AML, KYC and IDV checks on People, Companies and ID documents in real-time, giving you actionable data, before you onboard your clients.


NorthRow offers comprehensive coverage of global AML risk data sources including sanction lists (such as OFAC, UN, HMT, EU, DFAT, and many more), law enforcement data and trusted commercial suppliers from around the world.

We can also help you with compliance in the areas of the EU Directives, anti-money laundering, FATCA, and general reputation risk management and business partner due diligence.

Our detailed, reliable data from trusted commercial suppliers also helps you minimise reputational damage and risk exposure.



  • We can validate the details of over 250 million companies in real-time, from over 100 countries

  • We can validate identity documents from over 200 Countries. Types of Identity documents include: Driver License, National ID, Passport, Permit Data Global address verification of over 100 countries

  • Global PEP & Sanction registers with over 65 Billion data records - including to all sanctions Lists, Including OFAC, EU.

  • Screening against the death register to help reduce your risk of fraud

  • Run KYC/AML checks on company Ultimate Beneficial Owners (UBO) and Directors in minutes Ongoing monitoring for changes in Beneficial Owners or Directors in a company

  • A Single API or SaaS application means NorthRow can seamlessly integrate into your existing systems

Ongoing Beneficial Owner Monitoring

It is not enough to perform comprehensive AML checks during the initial client sign-up phase. To ensure you remain compliant with AML regulations, you must continually monitor your clients for any changes in company structure, Beneficial Ownership or Directorships.


NorthRow's AML platform will continually monitor your customers for changes and you will be alerted in real-time as to those changes, helping to ensure you remain compliant. 

Learn more about NorthRow’s Beneficial Ownership monitoring service below.

How Does Our Software Work?

In a complex regulatory environment an AML solution that is flexible, comprehensive, and that provides user control over rules and thresholds, is vital. NorthRow offers a range of flexible options including a SaaS application and a Single API.

Depending on your client onboarding workflow, you can choose the option that will best serve your business needs, or you can choose a hybrid option of both on-site and SaaS solutions. 


NorthRow’s Sinlge API: NorthRow’s single API can integrate easily with your existing online forms, and can check a variety of international ID documents including; Passports, Biometric Residence Permits (BRPs), Visas and National ID cards.

SaaS Application: NorthRow provides a SaaS App in addition to its Single API. Compliance teams can use the application to review checks, to download PDF reports and to add notes for audit & case management. All data is secure and user account access requires two-factor authentication ensuring security giving the client peace of mind.




Key Clients Include

Case Studies

Modulr Finance Case Study

NorthRow provides Modulr Finance with automated AML, KYC and KYB checks via a single, easily integrated, helping to streamline client onboarding.

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CashFlows Case Study

NorthRow provides CashFlows with an automated AML, KYC, KYB and IDV checks via a single API interface, helping to streamline client onboarding, improve efficiencies and increase revenue.

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"After looking into various identity verification providers we have chosen NorthRow because it has the combined KYB and KYC capability we are looking for, whilst also being the best fit commercially and culturally. With NorthRow we are able to automate our checking processes and we are alerted to any changes in our customers’ status, which is critical to ensuring we fulfill our regulatory obligations and make the customer onboarding process reliable and faster."
Martin Threakall, CTO - Modulr