Catch suspicious activity the moment it happens.
Clear Data Transaction Monitoring screens every payment in real time against Sanctions; AML and fraud typologies, scoring each transaction the moment it is initiated. Low-risk activity flows through untouched; genuine risk is held or blocked with evidence and a full audit trail, so your team acts on what matters instead of drowning in noise.
Payment volumes are growing. Fraud is faster and regulatory expectations are rising. Your investigation team isn't scaling at the same rate.
Transaction Monitoring runs on ISO 20022 payment rails with 90+ configurable rules and 270+ fraud and money-laundering typologies, layered with behavioural, device and network signals. It scores transactions in sub-second time, holds or blocks suspicious payments before they settle, and opens a case file your team can act on. It works in real time, around the clock, across borders.
Fraud moves faster than your batch reviews.
If your monitoring still runs on overnight batches and rigid thresholds, fraud has often cleared before an alert is even raised. Static rules flood investigators with false alerts while new typologies slip through. Backlogs grow, suspicious activity reports are filed late, and every new payment scheme or market you enter multiplies the load.
Detection built for real-time payments.
Real-time scoring
Every transaction is scored the moment it is initiated. Scoring uses amount, counterparty, geography, history and behaviour, not a single static rule. Suspicious payments can be held or blocked before they settle.
Explainable alerts
Every alert shows which rules and signals fired and why, with a transparent score. No black boxes, so investigators and regulators can see how each decision was reached.
Tune to your risk appetite
90+ rules and 270+ typologies you can switch on, weight and threshold by product, channel, customer segment or jurisdiction. You stay in control of what triggers a hold.
Data security by design
Monitoring runs inside your own environment. Transaction data stays on your network and is never shared with external services. A design principle, not an option.
Built for ISO 20022 rails
Native to modern payment messaging and ready for instant-payment schemes, so detection keeps pace with real-time settlement. No third-party bolt-ons.
Behavioural, device and network signals
Beyond rules, Clear Data layers behavioural profiling, device intelligence and network analysis to catch money mules, account takeover and coordinated fraud that rules alone miss.
Questions about AI-powered alert triage.
Clear Data scores every transaction as it is initiated, combining configurable rules, 270+ typologies and behavioural, device and network signals. Low-risk payments pass through automatically, suspicious ones are held or blocked and packaged into a case with a full evidence trail for investigators.
Yes. Every alert records which rules and signals fired, the evidence considered and the score. There are no black boxes, so compliance teams and regulators have full visibility into how each decision was made.
Yes. You can switch typologies on or off and set thresholds by product, channel, risk tier, customer segment or jurisdiction, and roll changes out progressively as confidence grows. You stay in control of what triggers a hold.
No. Monitoring runs inside your own environment. Transaction data stays on your network and is never shared with external services. This is a fundamental design principle, not an optional configuration.
Detection is built to meet model risk management requirements, with test data sampled from real transactions and stratified by market and channel, plus tuning and back-testing so you can show the system behaves robustly across scenarios.
Is your monitoring keeping up with real-time payments?
Book a complimentary Monitoring Diagnostic, a 30-minute review where a Clear Data specialist assesses your transaction monitoring coverage, false-positive rates and readiness for instant payments, and benchmarks against EU best practice.