30–40%Less compliance review time
CashDirector reports that clustered profiles and fewer false positives help its compliance officers review cases faster.
Industries / Embedded Finance
AML and Sanctions Screening Software for Embedded Finance
Screen customers, partners, accounts, beneficiaries, transactions, and counterparties inside embedded financial products with API-first checks, ongoing monitoring, and audit-ready evidence.
Review queue4 reviews
HighPotential sanctions matchNeeds review
MedPEP review neededAssigned
LowKnown false-positive checkSaved view
Screening decisionIn review
Match reviewPotential match
Source evidence attachedRationale addedCompliance escalation
Audit evidence5 actions recorded
Screening, review, note, escalation, and outcome.
CustomersSignup and account checks
PartnersProgram and platform review
TransactionsPayment and beneficiary screening
EvidenceCases, rationale, audit trail
Embedded finance operations
Built for financial products delivered through platforms and partners
Embedded finance teams need screening that fits product flows while giving compliance, operations, and partner teams a clear decision record. Checklynx helps screen customers, businesses, partners, beneficiaries, identifiers, transactions, and counterparties at the moments risk enters the product.
Screen inside product flows
Run checks during signup, account activation, partner onboarding, beneficiary setup, limit changes, and transaction events through API-first workflows.
Review partners and counterparties
Screen platforms, program partners, merchants, customers, directors, UBOs, vendors, beneficiaries, payout recipients, and counterparties.
Keep partner decisions explainable
Preserve source evidence, analyst rationale, notes, escalation history, decisions, timestamps, and case activity for internal, sponsor, bank, and audit questions.
Screening journey
From embedded product event to documented decision
A platform signup, partner onboarding event, customer activation, account update, transaction trigger, beneficiary change, monitoring hit, or manual escalation becomes structured review work with source context and decision evidence attached.
| Stage | Screening context | Business outcome |
|---|---|---|
| Partner onboarding | Platform, program partner, merchant, company, director, UBO, country, sanctions, PEP, adverse media, or watchlist context | Partner exposure is checked before launch or activation. |
| Customer activation | Individual, business, identifier, account party, country, product context, and watchlist result | Risk is checked before access to financial features. |
| Transaction or payout event | Sender, receiver, beneficiary, payout recipient, payment reference, counterparty, and country context | Potential exposure can be reviewed before value moves. |
| Monitoring update | New sanctions listing, PEP change, adverse media event, or watchlist update | Approved customers, partners, and counterparties stay visible after onboarding. |
| Decision recorded | Case owner, rationale, source evidence, timestamps, escalation, and final outcome | The business can explain who decided what and why. |
Review efficiency
Keep embedded finance review work connected to the product
Embedded finance screening should support fast platform experiences while giving compliance teams usable evidence. Checklynx keeps API checks, transaction context, monitoring hits, case notes, and partner decisions tied to the profile and event.
Product signup hit
Review sanctions, PEP, adverse media, and watchlist context with customer, business, identifier, and product details.
Partner review
Screen platforms, merchants, program partners, vendors, directors, UBOs, and country exposure before activation or refresh.
Transaction review
Check beneficiaries, payout recipients, payment references, counterparties, and transaction context before release.
Known false positive
Reuse prior decisions where appropriate so the same non-risk hit does not create repeated manual work.
| Trigger | Handoff | Business outcome |
|---|---|---|
| Potential sanctions hit | Case review with source context | Analysts can decide before account activation, partner approval, or payment release. |
| Partner refresh | Batch or monitoring run | Program and platform risk stays current after onboarding. |
| Beneficiary update | Counterparty screening | Product teams can review exposure before value moves. |
| Sponsor or audit request | Case evidence and immutable audit trail | Compliance can explain the decision record. |
Keep sponsor, partner, and product screening on one decision trail
Apply controls at the partner and product events that matter, while keeping the final review and evidence governed by the organisation's approved model.
01Real-time screening API
Embed checks in partner onboarding, activation, beneficiary, and payment events.
Explore 02Transaction screeningScreen payment parties and supported identifiers when value moves through the product.
Explore 03Ongoing monitoringBring relevant post-onboarding changes back to the review workflow.
Explore 04Audit trail and evidenceKeep requests, results, reviewer outcomes, and handoffs traceable.
ExploreSee how embedded-finance screening stays connected to the product
01Partner and customer context
Use supplied platform, programme, customer, and related-party data.
02Product event
03Authorised reviewRun the approved check at activation, beneficiary, payment, or refresh events.
Route candidates into controlled case work with the source context attached.
04Evidence and monitoringKeep decisions connected and return relevant changes for review.
Measured impact in regulated screening review
30–40%Read the CashDirector case study →
20%Less time spent on monthly reviews
Shopware connects retained false-positive decisions, customer screening and ongoing monitoring.
What should embedded finance companies screen?
Embedded finance teams commonly screen customers, business accounts, platforms, merchants, program partners, directors, UBOs, vendors, beneficiaries, payout recipients, counterparties, identifiers, transaction context.
When should embedded finance screening happen?
Screening can happen during partner onboarding, customer signup, account activation, beneficiary setup, payment initiation, payout release, periodic review, manual escalation, and ongoing monitoring updates.
Can screening be embedded into product workflows?
Yes. Checklynx supports real-time API checks, transaction screening, ongoing monitoring, case management, and audit evidence for product-led onboarding and financial workflows.
Does every embedded finance company have the same AML obligations?
No. Obligations depend on jurisdiction, licensing, sponsor-bank model, regulated activities, and product design. Checklynx supports screening and evidence workflows, while legal obligations remain business-specific.
What is embedded-finance screening software?
It connects configured screening controls to supplied partner, platform, customer, account, beneficiary, payment-party, and product-event data within an embedded financial workflow. The sponsor, provider, and programme parties retain responsibility for their own legal and operational decisions.
Who owns the decision in an embedded-finance screening workflow?
The answer depends on the programme and contractual control model. Checklynx can preserve the request, result, case activity, reviewer rationale, and outcome, but it does not determine the sponsor's, platform's, or regulated entity's legal responsibility.