Stay compliant, with the checks done for you for accounting practices
Global sanctions screening, dynamic risk scoring, beneficial owner tracking, and complete audit trail. Compliant with UIFAND, SEPBLAC, and international regulations.
AML/KYC Compliance Capabilities
Complete features for managing sanctions, risk, and regulatory obligations
Global sanctions screening
Screening against international sanctions lists (OFAC SDN, EU CFSP, UN 1267, UK OFSI, OpenSanctions). Name normalization (NFKD, diacritic stripping), fuzzy matching for non-Latin scripts, alias tracking, and birth-date screening. Each result is categorized as Clear, Potential Match, or Match and flagged for your review—BLURI never blocks a client on its own.
Automatic risk scoring
Computes a risk score (0–100) and level (Low, Medium, High, Critical) from a weighted formula across 5 categories: Customer Profile (25%), Geography (20%), Product/Service (15%), Transaction Behavior (20%), PEP/Sanctions (20%). Includes statistical z-score anomaly detection and trend analysis.
Beneficial owner & UBO tracking
Register beneficial owners with 25% ownership threshold, control type classification (Ownership, Management, De Facto), Politically Exposed Person (PEP) flagging, document verification, expiry dates, and verification status. 10-year retention with soft-delete.
Annual KYC forms & questionnaires
Automatic KYC form generation per client per year. Customizable fields per firm with conditional display rules. Status tracking (Pending, Completed, Expired, Archived). Token-based access links for client questionnaires. Digital signature capability and PDF generation.
Continuous re-screening
Ongoing monitoring against updated sanctions lists. Detection of new matches and status changes. Automatic alerts when new risks detected. Last-seen timestamps and regime/program tracking.
Complete audit trail & logging
Full log of all KYC changes by user. Change type tracking (Created, Updated, Reviewed, Approved, Rejected), field-level history with before/after values, user role snapshot, IP address, user agent. 10-year retention, severity classification (Info, Warning, Critical).
UIFAND & SAR/SEPBLAC reporting
Create Suspicious Activity Reports (SAR/DOS) with full workflow (Draft, Review, Submitted, Withdrawn). Suspicious indicator tracking, facts narrative, detected amounts, supporting documents. SEPBLAC reference assignment and submission tracking.
Customized risk configuration
Firm-specific risk model weights (sum to 1.0), threshold configuration (Critical ≥70, High ≥50, Medium ≥25, Low). Custom risk factors, high-risk country/sector lists, version control with change history, automatic recalculation for all clients.
How AML/KYC Compliance Works in BLURI
Complete process from onboarding through ongoing monitoring
- 1
1. Onboarding & initial KYC
Client registration, beneficial owner data collection. Annual KYC form generation with client portal access. Digital signature capture and documented data snapshots.
- 2
2. Sanctions screening
Automatic comparison of client and beneficial owners against four global sanctions lists (OFAC, EU, UN, UK). Name normalization and fuzzy matching for non-Latin scripts. Results categorized as Clear, Match, or Potential.
- 3
3. Automatic risk scoring
Compute 0–100 risk scores from a weighted formula across 5 categories. Behavioral metrics with statistical z-score anomaly detection. Assigns a risk level (Low/Medium/High/Critical) with automatic recommendations.
- 4
4. Continuous re-screening
Permanent monitoring against updated lists. Detection of new matches and status changes. Automatic alerts to compliance team when new risks detected.
- 5
5. Audit & reporting
Complete trail of all KYC changes at field level. UIFAND and SAR/SEPBLAC report generation. 10-year retention with soft-delete and complete timestamps for inspection.
- 6
6. Review & approval
Approval workflow for KYC forms. Risk score and recommendation review. Documentation of approvals/rejections with audit reasons.
Global protection against international sanctions
Access to four major sanctions lists with continuous updates. Name normalization with diacritics and non-Latin matching to reduce false negatives.
- OFAC, EU CFSP, UN 1267, UK OFSI lists integrated
- NFKD normalization and automatic diacritic stripping
- Fuzzy matching for non-Latin scripts
- Alias and birth date tracking
Automatic, customizable risk scoring
Computes 0–100 risk scores from a weighted formula across 5 dimensions. Statistical behavioral anomaly detection and trend analysis for existing clients.
- Weighted categories: Profile, Geography, Product, Behavior, PEP/Sanctions
- Behavioral metrics: daily activity, z-score, trend analysis
- Risk levels: Low, Medium, High, Critical
- Automatic recommendations and next review scheduling
Complete beneficial owner and UBO management
Structured registry of beneficial owners with ownership percentages, control classification, and document verification. Specialized Politically Exposed Person tracking.
- Legal 25% ownership threshold
- Control classification (Ownership, Management, De Facto)
- PEP flag with category and position
- Document verification and expiry dates
Dynamic KYC forms and questionnaires
Automatic annual form generation that expires at 1-year mark. Customizable fields with conditional rules and secure token-based client access.
- Annual forms with mandatory 1-year expiration
- Customizable fields per firm and conditional rules
- Token-based questionnaire links for clients
- Digital signatures, generated PDFs, data snapshots
BLURI vs. Manual Processes
| Manual processes | BLURI AML/KYC | |
|---|---|---|
| Sanctions screening | Manual searches in OFAC/EU/UN lists, prone to errors, no fuzzy matching | Automated screening of 4 global lists, NFKD normalization, fuzzy matching for non-Latin scripts |
| Risk scoring | Qualitative assessment, inconsistent, no behavioral metrics | 0–100 score from a weighted formula across 5 categories, behavioral metrics, statistical z-score anomaly detection |
| Risk monitoring | No re-screening, new risks detected only at next onboarding | Continuous re-screening, automatic alerts for sanctions changes or behavior anomalies |
| KYC forms | Printed PDFs, slow response, difficult version tracking | Digital portal with token-based links, status tracking, automatic 1-year expiration |
| Audit trail | Paperwork documentation, difficult to trace changes, inconsistent retention | Field-level complete trail, timestamps, IP, user agent, 10-year retention |
| Regulatory reporting | Manual data compilation, risk of inconsistencies, high preparation time | Automatic SAR/DOS generation, SEPBLAC references, UIFAND compliance, PDF export |
BLURI enables us to comply with the entire regulatory framework automatically, reducing risk and eliminating hours of manual work.
Frequently Asked Questions About AML/KYC
BLURI integrates the four primary lists: OFAC SDN (USA), EU CFSP (European Union), UN 1267 (United Nations), and UK OFSI (United Kingdom). All are regularly updated with last-seen timestamps.
BLURI normalizes names using NFKD (Compatibility Decomposition) with automatic diacritic removal and lowercase conversion. This enables matching on non-Latin names (Arabic, Cyrillic, etc.) without depending on exact spelling.
The legal threshold is 25% (Law 14/2017 Andorra). BLURI registers beneficial owners with ownership above 25%, classified by control type (Ownership, Management, De Facto) with document verification.
Yes, KYC forms are generated annually and expire exactly at the 1-year mark (UIFAND requirement). BLURI sends alerts and offers automatic new form generation to the client via portal.
BLURI uses 5 weighted categories: Customer Profile (25%), Geography (20%), Product/Service (15%), Transaction Behavior (20%), PEP/Sanctions (20%). Behavioral metrics include daily activity, std-dev, z-score, and trend analysis. Final score is 0-100 with levels: Low (<25), Medium (25-50), High (50-70), Critical (≥70).
Yes, continuous re-screening monitors clients against updated lists. When a new match or sanctions status change is detected, BLURI generates automatic alerts to your compliance team.
BLURI retains all KYC/AML data for 10 years (UIFAND requirement) with soft-delete. Complete audit trail including field-level changes, timestamps, and user agent is preserved for inspection.
BLURI includes Suspicious Activity Report (SAR/DOS) workflow with status tracking (Draft, Review, Submitted). Register suspicious indicators, facts narrative, detected amounts, supporting documents, and generate PDF for SEPBLAC/UIFAND submission.
Start AML/KYC compliance today
Automate screening, scoring, and complete audit trails. Comply with UIFAND, SEPBLAC, and international regulations.
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