FlowSentry | AI AML & Transaction Monitoring

AML · KYC · SCREENING · COMPLIANCE · FRAUD

FlowSentry — AI-Powered AML Transaction Monitoring, KYC, Compliance and Fraud Detection

FlowSentry brings customer onboarding, sanctions and PEP screening, transaction monitoring, fraud detection, case investigation and regulatory reporting into one platform. AI assists with analysis and drafting, while authorised people retain responsibility for decisions and regulated actions.

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Banks | SACCOs & MFIs | Digital Lenders | PSPs & Fintechs | Brokers

Sentry Agent — Alert Workspace

Mule fan-in · 6 agentsHigh priority

Structuring pattern · 3 branchesMedium

Sanctions list match · reviewHigh priority

Rapid fund movement · walletMedium

Illustrative interface concept using synthetic data, not a live product screenshot.

32built-in detection scenarios

9AI assistants

0regulated decisions delegated to AI

<8 wkstypical kick-off to go-live*

1 motrial on your own data

*Indicative timeline based on current delivery experience; actual implementation time depends on data sources, integration scope and institution readiness. Figures are illustrative product metrics, not independently audited results.

CORE CAPABILITIES

KYC, Screening and Compliance — Done in One Place

KYC & Customer Onboarding

Create a unified customer profile and support customer due diligence from onboarding through the customer lifecycle.

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Customer profiles and identity checks.
KYC onboarding journeys.
Beneficial ownership across relevant ownership layers.
Customer risk ratings and enhanced due diligence.
Recorded reasons and additional approval for KYC changes.

Sanctions & PEP Screening

Screen customers and transactions against relevant sanctions, politically exposed person and institution-maintained lists.

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UN and OFAC lists, applicable Kenyan designations, PEPs and institution-maintained lists.
Screening at onboarding and during relevant transactions.
Rescreening when lists change.
Plain-English explanations of potential matches.
Analyst review and documented resolution.

Transaction Monitoring & Compliance

Identify suspicious transaction patterns, investigate alerts, manage cases and prepare regulatory reporting.

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Transaction monitoring and configurable detection scenarios.
Fraud and mule-account detection.
Case management and evidence preservation.
Suspicious Transaction Reports (STRs), Suspicious Activity Reports (SARs) and Currency Transaction Reports (CTRs), as applicable.
goAML reporting readiness checks and authorised human approval.
Audit trails and maker-checker controls.

CHALLENGES & SOLUTIONS

East African Money Moves at Mobile-Money Speed. Compliance Teams Are Still Accountable.

What You Face Every Day How FlowSentry Helps

Mule wallets collect money from many senders and cash out through agents.Detection scenarios for mule fan-in, rapid movement and related suspicious patterns.

Multiple small inbound transfers landing in one wallet, followed by rapid agent cash-out, is a recognised money-laundering and fraud pattern that is hard to catch manually across thousands of daily transactions.

FlowSentry’s mule-detection scenarios correlate fan-in, timing and cash-out behaviour across accounts, agents and channels, surfacing the pattern as a prioritised alert for investigation rather than relying on a human spotting it after the fact.

Transactions are split below reporting thresholds across days, branches or agents.Configurable structuring and cash-intensive transaction scenarios.

Structuring — deliberately breaking a larger transaction into smaller ones to stay under reporting thresholds — is difficult to see when each individual transaction looks unremarkable on its own.

FlowSentry’s structuring and cash-intensive-activity scenarios aggregate related transactions across time, branches and agents, and can be tuned to an institution’s own thresholds and typical customer behaviour.

Analysts face noisy alerts and fragmented evidence.Explainable alerts, case context, evidence organisation and AI-assisted triage.

When every alert requires manually pulling account history, prior alerts and screening results from different systems, investigation time balloons and genuine risk can get lost in the backlog.

FlowSentry shows the rule, thresholds and relevant history behind every alert, with case evidence organised in one place, and AI assistance that can help draft an initial triage summary for the analyst to review and refine.

Regulatory reports contain errors or missing information.Reporting-readiness checks and structured preparation before authorised submission.

A rejected or incomplete suspicious transaction report can cost an institution days of rework and delay a filing that was already time-sensitive.

FlowSentry runs a readiness check against a report’s structure and required fields before it reaches the MLRO, so gaps can be fixed in the data rather than discovered after submission.

Supervisors need evidence of who decided what, and why.Maker-checker controls, named accountability and tamper-evident audit trails, where supported by the implemented product.

Examiners routinely ask who made a given decision, on what evidence, and whether it can be reproduced — a hard question to answer from scattered spreadsheets and e-mail threads.

Where configured, FlowSentry supports named maker-and-checker approval on regulated actions and an audit trail intended to be tamper-evident, so a decision and its supporting evidence can be traced back to the people responsible for it.

Institutions need to protect personal and financial data.Configurable deployment and data-handling controls, confirmed during scoping.

Customer data is personal data under the Data Protection Act, 2019, and institutions are rightly cautious about how it is processed, including by AI.

FlowSentry supports configurable deployment models, including options for in-country or self-hosted infrastructure. The specific data-handling, data-residency and AI-processing configuration available depends on the deployment option an institution selects, and should be confirmed with Fabtech during scoping rather than assumed from general product marketing.

WHY ACT NOW

Why Act Now

Regulatory Expectations

Kenyan and regional regulators expect reporting institutions to run effective, risk-based AML/CFT controls: screening, monitoring, investigation and accurate, timely regulatory reporting, backed by documented decisions.

Personal & Institutional Accountability

Boards, MLROs and senior management are increasingly expected to show traceable decisions, documented investigations and governance that a supervisor can examine — not just a policy document on a shelf.

Expanding Risk Exposure

Banks, SACCOs, digital lenders, PSPs, fintechs and other relevant institutions are each potential entry points for financial crime, and increasingly need monitoring and reporting capability appropriate to their own size, activity and regulatory obligations.

FlowSentry supports an institution’s compliance programme; it does not replace an institution’s own legal obligations, regulatory relationships or professional judgement. Confirm current statutory thresholds, penalties and regulatory status with your legal counsel and official regulator publications.

FULL FEATURE SET

Everything Your Compliance Team Needs, in One Platform

FlowSentry is anti-money laundering software and transaction monitoring software that brings monitoring, investigation, screening, customer risk management, analytics and regulatory reporting together with shared roles and auditability — AML compliance software built for financial crime risk management.

Real-Time Monitoring & Rule Studio

Detection scenarios, configurable thresholds, rule testing and controlled rule approval.

Details

A visual rule studio lets compliance teams configure and test detection scenarios and thresholds before they go live, with approval controls so new or changed rules are reviewed rather than deployed unilaterally.

Fraud & Mule Detection

Detection of mule fan-in, rapid movement, card-testing patterns and transaction velocity anomalies.

Details

Purpose-built scenarios target patterns common to mobile-money and digital-lending fraud, including mule-account fan-in, unusually rapid fund movement, card-testing behaviour and velocity bursts across a customer’s accounts.

Alerts That Explain Themselves

Alert context, rule explanations, threshold comparisons and relevant transaction history.

Details

Every alert shows the rule that fired, how the actual figures compared to the configured threshold, and the relevant transaction history, so an analyst does not have to reconstruct the context from scratch.

Sentry Agent Investigator AI

AI-assisted investigation summaries and cited case-memo drafting for human review.

Details

The Sentry Agent can assemble relevant evidence and draft an initial, cited case memo for a flagged alert. The analyst reviews, edits and makes the final determination — the draft is a starting point, not a decision.

Case Management & Link Analysis

Case tracking, evidence management, service-level monitoring and relationships among relevant customers, accounts and counterparties.

Details

Cases carry their supporting evidence, SLA status and a visual map of related customers, accounts and counterparties, helping an investigator see the wider picture around a single alert.

Sanctions & PEP Screening

Screening against relevant sanctions, PEP and institution-maintained lists, with match explanations and review workflows.

Details

Screening runs at onboarding, on relevant transactions and on list updates, with a plain-English explanation of why a record was flagged as a potential match, and a workflow for an analyst to review and resolve it.

Compliance Reporting

Structured reporting registers, deadlines, report preparation and readiness checks for authorised review.

Details

STR, SAR and CTR registers track deadlines and status, with a readiness check that flags missing or inconsistent information before a report reaches the MLRO for authorised review and submission.

Customer Risk Rating

Explainable customer risk scores, enhanced due diligence workflows and risk assessment support.

Details

Risk scores are built from a defined, explainable set of factors rather than a black box, with workflow support for enhanced due diligence when a customer’s rating crosses a configured threshold.

KYC & Customer Onboarding

Customer profiles, onboarding workflows, due diligence and controlled customer-record updates.

Details

A single customer profile carries onboarding and due-diligence information through the relationship, with changes to KYC data requiring a recorded reason and a second person’s approval.

Dashboards & Analytics

Monitoring dashboards, reporting and analytical drill-downs.

Details

Role-based dashboards give MLROs and compliance teams a current view of alert volumes, case status and reporting deadlines, with drill-down into the underlying detail.

Statement Analysis AI

Analysis of transaction statements against relevant monitoring rules, subject to supported formats and configured functionality.

Details

A customer statement can be checked against an institution’s live rules without first loading it into core records — useful at onboarding or credit review — subject to the statement formats supported in a given deployment.

Ask Sentry Copilot AI

Natural-language assistance that provides source-grounded answers from available information, subject to permissions and implemented capabilities.

Details

Users can ask questions in plain language and receive answers drawn from the information they are permitted to see within the platform. The copilot is an assistant for finding and explaining information, not a decision-maker.

AI & GOVERNANCE

AI That Assists. People Who Decide.

AI can assist with supported tasks such as alert triage, investigation drafting, summaries, match explanations and report preparation. Regulated decisions — closing an alert, filing a report, approving a change, activating a rule — remain with authorised personnel.

Human Accountability

Details

AI-generated recommendations, summaries and draft narratives are intended for review. They require sign-off by authorised personnel before any regulated action is taken on the basis of them.

Traceability

Details

Where configured, FlowSentry can record AI-assisted activity alongside the related case or decision, to support internal review and supervisory examination of how a conclusion was reached.

Data Protection

Details

FlowSentry supports configurable data-handling controls for personal and transaction data. The specific safeguards and AI-processing configuration — including deployment location and any data minimisation applied before AI calls — depend on the deployment option selected by the institution, and should be confirmed during scoping.

Administrative Control

Details

Administrative settings can govern how AI features are made available within the platform. The specific controls available — including the ability to restrict or disable individual AI assistants — depend on the implemented deployment and should be confirmed with Fabtech.

MARKET

Built for Your Institution

Banks

Core banking and ISO 20022 integration, role-based access and a board-ready evidence trail.

Configured for full-service compliance programmes, with support for multiple defined roles and reporting suited to board and examiner review, subject to the modules and integrations an institution selects.

SACCOs & MFIs

SACCO AML compliance software that starts from file imports, with explainable risk ratings that don’t require a data-science team to run.

Institutions without an in-house integration team can begin with governed file imports rather than a full systems-integration project, scaling up as needs grow.

Digital Lenders

Mobile-money-aware scenarios and onboarding checks suited to digital lending risk.

Detection scenarios and onboarding checks are built with mobile-money and digital-lending patterns in mind, including mule and velocity-based activity, where the relevant integration is in place.

PSPs & Fintechs

API-first integration with signed requests, a test mode and real-time screening.

A signed API with a validate-only test mode supports integration into a PSP or fintech’s existing stack, with alerts and reports able to flow back out through a read API and webhooks, where implemented.

Brokers

Securities-specific detection patterns and beneficial-ownership onboarding.

Detection patterns relevant to securities activity, together with beneficial-ownership onboarding, support brokers and capital-markets intermediaries, subject to the specific integration configured for the institution.

DEPLOYMENT

Connect Once, Safely.

Deployment Options

Cloud-hosted or on-premises deployment, to the extent currently supported for a given institution’s requirements. The right option depends on an institution’s own infrastructure, regulatory and data-residency preferences.

Integration

A signed API with a test mode, governed file imports, and connectors such as M-Pesa Daraja, ISO 20022 or FIX drop copy where applicable to the institution, with alerts and reports able to flow out through signed webhooks where implemented.

Implementation Journey

A staged path from discovery through to a controlled go-live, designed to keep each institution’s compliance team informed and in control throughout.

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Discovery

Assess source systems, data and integration scope with the institution’s team.

Secure Integration

Connect and map each data source securely.

Validation

Validate payloads and reconcile a dry run to control totals.

Go-Live

Controlled go-live and handover to the institution’s operations team, after a second administrator approves.

Fabtech’s current delivery experience points to implementation in under eight weeks for a typical scope; this is an indicative estimate rather than a guaranteed timeline, and actual duration depends on data readiness, integration complexity and the institution’s own approval processes.

HOW IT WORKS

One Platform, From Data In to Proof Out

Detect

Monitor transactions in real time and identify potentially suspicious patterns against configured scenarios.

Investigate

Review alerts, customer context and supporting evidence. AI can assist with investigation drafting where supported.

Report

Prepare structured regulatory reports, with a readiness check, for authorised MLRO review and submission.

Prove

Maintain appropriate evidence, traceability and records of authorised decisions for examiner review.

FAQ

Frequently Asked Questions

Common questions from banks, SACCOs, digital lenders, PSPs, fintechs and brokers evaluating AML transaction monitoring software.

What is AML transaction monitoring software?

AML transaction monitoring software continuously screens customer transactions against known money-laundering and fraud patterns, flagging suspicious activity for investigation and regulatory reporting. FlowSentry is Fabtech’s AI-assisted transaction monitoring platform for banks, SACCOs, digital lenders, PSPs, fintechs and brokers.

How does FlowSentry detect suspicious transactions?

FlowSentry runs configurable detection scenarios in real time, covering patterns such as mule-account fan-in, rapid fund movement, structuring and velocity anomalies. Each alert shows the rule, thresholds and relevant transaction history behind it.

Which financial institutions can use FlowSentry?

FlowSentry is built for banks, SACCOs and microfinance institutions, digital lenders, payment service providers, fintechs and brokers across Kenya and East Africa.

Can FlowSentry monitor mobile money transactions?

Yes. FlowSentry includes detection scenarios and onboarding checks built with mobile-money and digital-lending patterns in mind, including mule and velocity-based activity, with connectors such as M-Pesa Daraja supported where the relevant integration is in place.

Does FlowSentry support sanctions and PEP screening?

Yes. FlowSentry screens customers and transactions against relevant sanctions, politically exposed person and institution-maintained lists at onboarding, on relevant transactions and on list updates, with plain-English match explanations for analyst review.

Can FlowSentry assist with suspicious transaction reporting and goAML workflows?

FlowSentry supports STR, SAR and CTR report preparation with a readiness check before a report reaches the MLRO, and goAML reporting readiness checks ahead of authorised human submission.

How does FlowSentry use AI during investigations?

The Sentry Agent can assemble relevant evidence and draft an initial, cited case memo for a flagged alert. AI assists with triage, summaries and drafting; an authorised analyst always reviews, edits and makes the final determination.

Can financial institutions retain control over sensitive customer data?

FlowSentry supports configurable deployment models, including options for in-country or self-hosted infrastructure. The specific data-handling and data-residency configuration depends on the deployment option an institution selects and should be confirmed with Fabtech during scoping.

How does FlowSentry integrate with existing banking and payment systems?

FlowSentry supports a signed API with a test mode, governed file imports, and connectors such as M-Pesa Daraja, ISO 20022 or FIX drop copy where applicable to the institution, with alerts and reports able to flow out through signed webhooks where implemented.

How can an institution request a demonstration or pilot?

Institutions can request a FlowSentry demo or discuss a pilot by contacting Fabtech Solutions directly through the form on this page, by phone, or by email.

FlowSentry by Fabtech Solutions is AML transaction monitoring software, anti-money laundering software and AML compliance software for financial crime risk management — built for banks, SACCOs, digital lenders, PSPs, fintechs and brokers across Kenya and East Africa. Explore related document intelligence and audit-trail tooling via Papyrus, or talk to an Enterprise Technology expert about your institution’s compliance requirements.

Built by Fabtech, for Africa’s Financial Institutions

See FlowSentry in Action

See how an alert can move from a suspicious transaction pattern through investigation and reporting preparation, using a demonstration tailored to your institution.

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sales@fabtechkenya.com · +254 703 041 798 · Eden Square, Block 1, 7th Floor, Westlands, Nairobi