FlowSentry Transaction Monitoring
FlowSentry watches every transaction so your compliance team can focus on the ones that matter — with an AI investigator that does the first 80% of every case, and the audit trail to prove it.
Built for banks, SACCOs, microfinance institutions, digital lenders, payment service providers and fintechs — across Kenya and Africa.
Understanding AML Transaction Monitoring
An AML transaction monitoring solution continuously screens every transaction — deposits, transfers, mobile money, loans — against known money-laundering patterns, flagging suspicious activity for investigation and mandatory regulatory reporting.
Watch
Every transaction is screened in real time as it happens.
Compare
Checked against known typologies: structuring, rapid fund movement, sanctioned parties.
Alert
Matches are routed to a human investigator for review.
Report
Confirmed suspicious activity is filed with the regulator (FRC goAML).
Legal & Regulatory
Monitoring and reporting are mandatory under POCAMLA — not optional, and actively examined.
Reputational
Being linked to laundering — even unwittingly — damages trust with customers, partners and correspondent banks.
Systemic
Every institution is a potential entry point for criminal proceeds; weak controls are the loopholes criminals seek out.
The Cost of Non-Compliance Under POCAMLA
Kenya’s regulators are enforcing AML obligations more aggressively than ever — and the penalties are personal, not just corporate.
Maximum administrative penalty per offence under the 2025 POCAMLA Amendment Act.
Of the monetary instrument’s value — the maximum fine for money laundering itself, up from 10%.
Suspension or revocation — CBK can act under the Banking Act, independent of POCAMLA fines.
Directors and senior management face personal criminal liability for non-compliance.
KES 385 Million — A Real Enforcement Action
In 2020, five major Kenyan banks — KCB, Equity, Co-operative Bank, Standard Chartered Kenya, and Diamond Trust Bank — were collectively fined for failing to escalate and report suspicious activity their own systems had already flagged, tied to the NYS scandal.
The takeaway: compliance technology costs a fraction of enforcement. FlowSentry exists to close exactly this gap — ensuring flagged activity is investigated, escalated, and filed, never buried in a queue.
Figures reflect the AML/CTF (Amendment) Act 2025; consult legal counsel for current statutory thresholds.
Compliance in Kenya Has Outgrown Its Tools
Four structural gaps define the current AML technology landscape below Tier-1.
Regulatory Pressure Has Never Been Higher
FATF grey-listing (Feb 2024), CBK’s Digital Credit Provider Regulations (500+ lenders), and mandatory FRC goAML reporting now reach SACCOs, insurers, and DNFBPs.
Enterprise Platforms Price Out Everyone Below Tier-1
NICE Actimize, Oracle FCCM/SAS, and Quantexa carry costs and 12–18 month implementations out of reach for SACCOs, digital lenders, and mid-market banks.
Most “AI” Tools Aren’t Actually AI-Powered
Bolted-on ML scores or chat copilots still leave analysts manually gathering evidence and writing narratives — where most compliance cost actually goes.
Global Vendors Treat Mobile Money as an Afterthought
M-Pesa, Airtel Money, agent networks and digital lending are Africa’s real transaction fabric — rarely native to platforms built for card-and-wire economies.
Introducing FlowSentry
An AI-native, enterprise Anti-Money Laundering and Transaction Monitoring platform built specifically for the institutions global vendors overlook: banks, SACCOs, microfinance institutions, digital lenders, PSPs, and fintechs across Kenya and Africa. It combines a real-time rules and scenario engine, industry-standard customer risk rating, sanctions/PEP/adverse-media screening, intelligent case management, and regulator-native goAML reporting — with a genuinely differentiated agentic AI layer that triages alerts, assembles evidence, and drafts investigation narratives under human-in-the-loop governance.
Real-Time Monitoring
Agentic AI Investigator
Screening & Risk Rating
Regulator-Native Reporting
Why FlowSentry Wins
Agentic AI Investigation, Not Just AI Scoring
The Sentry Agent performs the full triage loop — gather, correlate, reason, document, recommend — with mandatory human approval and a complete audit trail.
Mobile-Money-Native
Out-of-the-box typologies and connectors for M-Pesa, Airtel Money, agent networks, wallets, and digital lending.
Regulator-Native Reporting
Native goAML XML for Kenya’s FRC (and UG/TZ/GH/RW FIUs), CTR automation, CBK returns, and a read-only regulator portal.
Data Residency by Design
A model-routing layer keeps PII inside the institution’s borders — cloud AI is an opt-in accelerator, never a dependency.
Deploy in Weeks, Not Quarters
Configuration-first architecture and a ready scenario library deliver full implementation in ~16 weeks vs. 12–18 months for Tier-1 vendors.
Analytics Included
Embedded dashboards, pivot analytics, and regulatory reporting — no separate BI licence, no per-seat tax for auditors.
Solving Everyday Problems
How FlowSentry answers the compliance challenges Kenyan institutions face every day.
Catching Mobile-Money Laundering Patterns Global Tools Miss
Problem: M-Pesa/Airtel structuring, split cash-in, agent float abuse, and SIM-swap draining slip through card/wire-era rules engines.
FlowSentry: 25+ pre-built scenarios purpose-built for mobile money and digital lending, evaluated in real time at up to 1,000 TPS.
Drowning in False Positives with Too Few Analysts
Problem: Every alert requires an analyst to manually pull account history, prior alerts, and screening results before investigating.
FlowSentry: The Sentry Agent auto-assembles evidence and produces an Investigation Memo with a recommended disposition — cutting triage time up to 70%.
STR Preparation Taking Days, Delaying Filings
Problem: Drafting a suspicious transaction report by hand is slow, inconsistent, and pulls senior staff off higher-value work.
FlowSentry: The AI STR Drafter generates a goAML-ready narrative from case evidence; MLRO reviews and signs in as little as 30 minutes.
Manual Sanctions and PEP Screening Creates Gaps
Problem: Checking customers against UN/OFAC/EU/UK/POTA lists by hand is slow; counterparties in transactions are rarely screened.
FlowSentry: Automated fuzzy/phonetic matching screens at onboarding, on list updates, periodically, and in-flight — with an explainable match score.
Risk Ratings That Don’t Reflect Real Customer Behaviour
Problem: Static, spreadsheet-based scoring rarely updates on behaviour, screening status, or profile changes.
FlowSentry: A five-factor Customer Risk Rating model re-scores dynamically and auto-triggers Enhanced Due Diligence for high-risk customers.
No Affordable Path to goAML and CBK-Ready Reporting
Problem: Dedicated FIU reporting infrastructure is typically out of reach outside Tier-1 banks, forcing manual submissions.
FlowSentry: Native goAML STR/CTR XML generation, statutory registers, and auto-generated board packs — included, no add-on licence.
No Clear, Real-Time Picture of Compliance Programme Health
Problem: MLROs and executives rely on manually assembled spreadsheets, updated infrequently and prone to error.
FlowSentry: Role-based dashboards plus self-service pivot analytics over 100M+ rows and a live scenario-to-regulation coverage map.
Concerns About Sending Customer Data Outside Kenya
Problem: Institutions are cautious about cloud AI routing PII through external servers, given Data Protection Act obligations.
FlowSentry: A policy-driven AI model router pseudonymizes PII before external calls; deployments can pin entirely to a zero-egress AI tier.
The Complete AML Lifecycle, One Platform
From data ingestion to real-time detection, AI investigation, regulatory filing and administration.
Integration & Data Ingestion
- Real-time & batch ingestion APIs
- M-Pesa Daraja, Airtel, ISO 8583/20022, SWIFT connectors
- Visual Mapping Studio & egress webhooks
Real-Time Monitoring Engine
- Real-time + batch dual-path evaluation
- Stateful aggregation windows, up to 1,000 TPS per node
- Full event & typology coverage
Rule & Scenario Studio
- Visual, no-code rule builder
- Simulation & backtesting before activation
- 25+ pre-built, tunable scenarios & maker-checker governance
Customer Risk Rating
- Five-factor weighted scoring model
- Dynamic, event-driven re-scoring
- Automated EDD workflow & enterprise-wide risk assessment
Screening & Watchlists
- UN, OFAC, EU, UK, POTA lists + custom lists
- Explainable fuzzy/phonetic matching
- Onboarding, periodic & in-flight screening; PEP & adverse-media
Identity, Security & Audit
- SSO, MFA, passkeys, step-up auth
- RBAC with segregation of duties
- Hash-chained audit trail, AES-256 encryption, DPA 2019 toolkit
AI Intelligence Layer
- Sentry Agent — autonomous L1 investigator
- ML alert scoring & false-positive reduction
- Natural-language rule authoring (EN/Swahili); STR Drafter & Ask FlowSentry copilot
Case Management
- Prioritised, routed alert queue
- Customer-360 & link-analysis canvas
- Configurable workflow with SLA tracking & immutable evidence vault
Regulatory Reporting
- Native goAML STR/SAR/CTR generation
- CTR automation with maker-checker release
- Statutory registers & auto-generated board packs
Analytics & Dashboards
- Role-based dashboard workspaces
- Self-service pivot analytics, 100M+ rows
- Admin-defined KPIs & scheduled PDF/Excel distribution
Administration
- Multi-tenant configuration console
- Reference data & country-risk tables
- Notification templates & health/operations console
Entity Resolution & Network
- Deterministic + probabilistic identity matching
- Party-account-device-counterparty graph & interactive link-analysis canvas
- Community detection feeds rules & AI
Meet the Sentry Agent
An autonomous AI investigator that does the first 80% of every case — under complete human control.
1. Gather
Pulls customer-360, transaction history, prior alerts, screening results, and linked entities.
2. Correlate
Cross-references peer baselines and network relationships for context.
3. Reason
Assesses typology fit and evidence strength against known patterns.
4. Document
Produces an evidence-cited Investigation Memo, plain and audit-ready.
5. Recommend
Suggests close / monitor / escalate — a human always approves.
Every AI action — every prompt, tool call, and recommendation — is logged for regulator examination. Nothing above a configurable risk band ever auto-closes or auto-files without human sign-off.
Measured Impact
FlowSentry is built to pay for itself quickly — through faster investigations, fewer wasted analyst-hours, and lower total cost of ownership.
False-positive reduction vs. rules-only monitoring, within 6 months.
Reduction in Level-1 triage time per alert with Sentry Agent memos.
From case to MLRO-ready STR draft.
Typical full implementation, vs. 12–18 months for Tier-1 platforms.
A Fraction of the Cost of Tier-1 Platforms
NICE Actimize, Oracle FCCM/SAS, and Quantexa are priced and architected for the largest banks. FlowSentry delivers the same core capability — monitoring, risk rating, screening, case management, and regulator-native reporting — plus a genuinely agentic AI layer, in a platform designed to be affordable and operable by SACCOs, microfinance institutions, digital lenders, and mid-market banks.
Where the Return Comes From
Analyst Time Recovered
Automating evidence-gathering and first-draft narratives frees senior staff for judgement calls, not data assembly — covering growing volume without proportional headcount growth.
Lower Total Cost of Ownership
Configuration-first design and a pre-built scenario/connector library mean weeks-not-months deployment, plus embedded analytics remove the need for a separate BI licence.
Reduced Regulatory & Reputational Exposure
A defensible, evidenced compliance programme is no longer discretionary — the cost of a supervisory finding typically dwarfs the cost of the platform that prevents it.
Fewer Missed & Delayed Filings
Native, schema-validated goAML generation and automated CTR aggregation reduce the operational risk of manual, spreadsheet-driven reporting.
Room to Scale Without Re-Platforming
The same platform serves a single-branch SACCO or a multi-country bank — with a regional roadmap covering Uganda, Tanzania, Ghana, and Rwanda.
Who FlowSentry Is Built For
Designed to serve the full spectrum of Kenyan reporting institutions under POCAMLA — broad, underserved, and regulatorily compelled to buy.
Commercial Banks, Microfinance Banks
On-premise or private cloud; full module set; HA cluster.
SACCOs (Deposit-Taking), Digital Lenders / DCPs
SaaS or single-server on-prem; core modules + mobile-money pack.
PSPs, Remittance, Fintech Platforms, E-Money Issuers
SaaS, API-first ingestion.
Insurers, Capital Markets, DNFBPs
Law firms, real estate, casinos — SaaS; screening + CTR/STR-centric configuration.
Also built for regional growth: native goAML profiles on the roadmap for Uganda’s FIA, Tanzania’s FIU, Ghana’s FIC, and Rwanda’s FIC support institutions expanding beyond Kenya.
Start the Conversation
Fabtech Solutions Limited is an Enterprise Technology company founded in 2012 and based in Nairobi, Kenya — with a portfolio spanning document management, queue management, grant management, safeguarding, and now AML/transaction monitoring, deployed across Kenya, Ghana, and the NGO and financial sectors.
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See the Sentry Agent triage a real alert end-to-end, from evidence gathering to investigation memo.
Run a Pilot
Ingest a sample of your own transaction data and see real alerts fire against the 25+ scenario pack within days.
Get a Tailored Proposal
Fabtech scopes module selection, deployment model, and pricing to your institution’s tier and obligations.