Alluvial provides a cloud‑native platform that automates AML and KYC workflows for banks, credit unions, fintechs, and payment processors. It ingests transaction and customer data, applies a configurable rule engine and machine‑learning risk models, and delivers real‑time alerts with integrated case‑management and audit‑ready logs. Continuous regulatory updates are delivered via API to keep rule sets aligned with global standards.
Funding
$4.3M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Financial institutions must continuously satisfy a growing set of AML, KYC, and sanctions regulations across multiple jurisdictions. Manual compliance processes are error‑prone, time‑intensive, and generate high operational risk. Delayed or inaccurate reporting can lead to costly fines and reputational damage.
Solution
Alluvial delivers a cloud‑native compliance platform that automates end‑to‑end AML and KYC workflows for regulated entities. The system ingests transaction streams and customer data, applies a configurable rule engine and machine‑learning risk models, and generates real‑time alerts for suspicious activity. Integrated case‑management tools enable investigators to triage, document, and resolve alerts within a single interface, while audit‑ready logs capture every decision for regulator review. Continuous regulatory updates are delivered via an API, ensuring that rule sets stay aligned with global standards without manual re‑coding. The platform also provides secure, API‑driven data exchange with core banking, payment processors, and third‑party data providers, allowing institutions to embed compliance checks directly into existing transaction pipelines.
Target Audience
Primary customers are banks, credit unions, fintech platforms, and payment processors that must meet AML/KYC obligations across multiple jurisdictions while maintaining operational efficiency.
Features
- Scalable, event‑driven ingestion engine that processes millions of transactions per day with sub‑second latency
- Configurable rule engine combined with supervised ML models for dynamic risk scoring and anomaly detection
- End‑to‑end case management workflow, including task assignment, evidence attachment, and resolution tracking
- Automated regulatory rule feed covering FATF, EU AMLD, US FinCEN, and other major regimes, refreshed weekly via REST API
- FHIR‑compatible and ISO 20022‑compliant data interfaces for seamless integration with core banking and payment systems
- Full audit trail with immutable, tamper‑evident logs stored in a HIPAA‑ and GDPR‑compliant cloud environment
- Role‑based access control and multi‑factor authentication to enforce least‑privilege security policies
- Self‑service dashboard with KPI visualizations, heat‑maps of risk exposure, and regulatory reporting templates