All financial-crime functions connected by intelligence.

Sophkos supports risk-based onboarding for natural persons, companies, funds, trusts, SPVs, foundations, public entities and complex groups. The platform captures identity data, documents, ownership, expected activity, source-of-funds information, source-of-wealth evidence, geographies, counterparties, payment purpose and delivery-channel risk.

• Document AI for identity, registry, constitutional and ownership documents
• Adaptive journeys based on customer type, jurisdiction, structure and risk profile
• Low-confidence and high-risk extraction routed to human review
• Expected activity captured at onboarding and reused for monitoring
• Enhanced due diligence workflows for complex relationships
• Periodic and event-driven refresh for perpetual KYC/KYB

Sophkos builds a live ownership and control map across companies, trusts, funds, nominees, SPVs, partnerships, public entities and cross-border groups. The engine supports direct and indirect ownership calculation, voting rights, control by other means, trust roles and senior managing official fallback logic.

• Corporate hierarchy extraction and validation
• Beneficial ownership threshold configuration by jurisdiction
• Multi-layer ownership graph with direct and indirect calculations
• Trust, fund, nominee and SPV relationship handling
• Director, shareholder and controller monitoring
• Change detection for ownership, management, geography and risk

Sophkos uses AI to help analysts identify, link and evaluate lawful open-source and licensed intelligence. It supports due diligence, adverse media review, litigation intelligence, hidden relationship discovery, asset-tracing support, sanctions-risk context, corporate-network analysis and investigation triage.

• Entity resolution across names, addresses, companies and identifiers
• Source-linked summaries with visible provenance
• Adverse indicator extraction from media and public records
• Relationship mapping between persons, entities, assets, transactions
• Confidence scoring and human validation
• OSINT workspaces for regulated and investigative teams

Sophkos screens not only the direct customer, but beneficial owners, controllers, directors, signatories, related entities, counterparties and ownership paths. Screening can be triggered by onboarding, list updates, ownership changes, new transactions, counterparty events or investigation findings.

• Sanctions, PEP, adverse-risk and internal watchlist screening
• Ownership-and-control logic for indirect exposure
• Batch and real-time screening modes
• Rescreening on source updates and relationship changes
• Explainable match review and disposition
• Alert routing by severity, source, role and exposure path

Sophkos monitors transactions against the customer's declared profile, ownership structure, expected behaviour, counterparties, corridors, currencies, velocity, purpose and historical activity. It combines scenario rules, behavioural analytics, graph patterns, anomaly detection and catastrophe-theory-based risk modelling.

• Real-time and batch transaction monitoring
• Expected-versus-actual behaviour comparison
• Counterparty, corridor, currency and velocity analytics
• Graph-based relationship and flow analysis
• Typology detection: structuring, layering, pass-through, nesting, mule activity, APP fraud
• Backtesting, threshold governance and scenario tuning

Fraud and AML risks rarely remain separate in real operations. Sophkos links identity risk, business risk, transaction behaviour, device signals, OSINT, counterparty exposure and network patterns to support joined-up detection of financial-crime typologies.

• APP fraud, mule-account and synthetic-identity indicators
• Internal and external fraud monitoring
• Device, account and behavioural anomalies
• Payment-purpose inconsistencies
• Sudden changes in counterparties, volume, geography or timing
• Network-level risk clusters and repeat-pattern detection

Sophkos gives analysts and investigators a single place to review profiles, ownership graphs, transactions, OSINT results, screening hits, evidence, decisions and prior case history. The workspace is entity-centric, not alert-centric, allowing teams to investigate the person, business, network and behaviour together.

• Unified queue across onboarding, KYB, sanctions, PEP, AML, fraud and OSINT
• Entity-centric case view
• Network visualisation for ownership, counterparties and risk connections
• AI-assisted case summaries and missing-evidence prompts
• Analyst notes, tasking, QA, escalation and maker-checker workflows
• Explicit human approval for final decisions

Sophkos supports report preparation, review, approval and post-filing monitoring. The platform helps generate report narratives from case evidence, assemble supporting material, manage FIU requests and preserve the full decision trail.

• SAR/STR templates by jurisdiction
• MLRO and senior-approval workflows
• Evidence-bundle generation
• FIU request and correspondence management
• Tipping-off controls and restricted-access case handling
• Post-report monitoring and retention

Sophkos supports policy-as-code, scenario governance, model governance, automated control testing, audit packs, board reporting, MLRO dashboards, QA sampling, outsourcing evidence and retention controls.

• Versioned policies, rules, thresholds and models
• Scenario testing, backtesting and change approvals
• Model validation, drift monitoring and override tracking
• Immutable audit logs and decision history
• Legal holds, retention schedules and redaction controls
• MI for compliance, risk, audit and board reporting