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Multi Agent AML/KYC Compliance
Verification for Fintech

Finance – Regulatory Compliance in Fintech

Problem Description

Fintech companies operate in a tightly regulated space, requiring strict adherence to AML/KYC standards. Verifying customer identities, screening for suspicious activities, and ensuring compliance with regulatory mandates is a time-intensive and error-prone task when done manually. Automating this process using a network of AI agents coordinated through Syncloop APIs enables high accuracy, scalability, and auditability—ideal for handling large volumes of compliance operations efficiently.

How It Works

This template leverages five specialized AI agents running in a multi-agent environment using Syncloop. Each agent handles a distinct part of the AML/KYC process—ranging from document analysis to regulatory referencing and risk evaluation. The agents communicate through Syncloop APIs, allowing each to contribute insights and data toward the generation of a final compliance report.

Who Can Use This

  • Compliance teams at fintech firms
  • RegTech developers
  • Risk management consultants
  • Internal auditors
  • AI engineers in fintech

Benefits

  • Compliance teams at fintech firms
  • RegTech developers
  • Risk management consultants
  • Internal auditors
  • AI engineers in fintech

Agents Required

Agent Name: Manager Agent
Role & Capabilities:Oversees entire compliance flow. Initiates inspections, assigns tasks, tracks progress, finalizes the process.
Agent Name: KYC Compliance Specialist Agent
Role & Capabilities:Validates KYC/CIP documentation. Reviews identity proof, matches against OFAC watchlists, checks SAR logs.
Agent Name: Risk Analyst Agent
Role & Capabilities:Identifies risk factors and red flags. Uses transaction history and behavioral patterns to generate risk scores.
Agent Name: Knowledge Specialist Agent
Role & Capabilities: Supplies latest legal standards and rules. Queries BSA, OFAC, and FinCEN databases.
Agent Name:Reporting Agent
Role & Capabilities:Compiles outputs into a final audit report. Gathers agent data, synthesizes recommendations, exports report.

Tool v/s Agent Name

Tool Agent Name
Inspection Manager Tool Manager Agent
KYC Validation Tool KYC Compliance Specialist
Risk Engine Tool Risk Analyst Agent
Regulation Fetch Tool Knowledge Specialist Agent
Compliance Report Tool Reporting Agent

Syncloop API Usage

API Endpoint Method Input Parameters Output Format Agent Name
/initiate/inspection POST {"entity": "ABC Bank", "requestor": "User123"} {"inspectionId": "INSP-001"} Manager Agent
/assign/agent POST {"inspectionId": "INSP-001", "agent": "KYC Specialist"} {"status": "Assigned"} Manager Agent
/upload/document POST {"inspectionId": "INSP-001", "documentType": "KYC Form", "fileId": "file1234"} {"status": "Uploaded"} KYC Compliance Specialist
/analyze/risk POST {"inspectionId": "INSP-001", "customerId": "CUST001"} {"riskRating": "High", "notes": [...]} Risk Analyst Agent
/reference/regulations GET {"topic": "OFAC Sanctions"} {"regulations": [...]} Knowledge Specialist
/report/compile POST {"inspectionId": "INSP-001", "include": ["risk", "kyc", "recommendations"]} {"reportUrl": "https://..."} Reporting Agent
/finalize/inspection PUT {"inspectionId": "INSP-001", "status": "Completed"} {"confirmation": "Success"} Manager Agent

Flow Summary

  1. User submits an inspection initiation request.
  2. Manager Agent generates an inspection ID and assigns other agents using Syncloop APIs.
  3. KYC Compliance Specialist processes uploaded documents like KYC forms and SARs.
  4. Risk Analyst runs transaction analysis to flag anomalies.
  5. Knowledge Specialist references current regulations and provides guidance.
  6. Reporting Agent collects outputs from the other agents and compiles a report.
  7. Manager Agent finalizes the process and shares the outcome.

Optional Enhancements

  • OCR Agent to extract data from scanned PDFs.
  • Sanctions API Integration for real-time blacklists.
  • Feedback Learning Agent to improve outcomes from regulatory feedback.
  • Compliance Dashboard with live report stats.

Ideal KPIs to Measure Success

  • Audit Completion Time: Reduced from days to hours.
  • Compliance Accuracy: >95% match with actual regulations.
  • False Positives: <3%.
  • Risk Detection Accuracy: >90%.
  • User Satisfaction: >4.5/5
  • Automation Rate: 85%+ of tasks auto-completed
Deploy This Template

Get started with this template in your Syncloop workspace and customize it to your needs.

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Key Benefits
  • Automated Screening

    Validates user data against sanctions, PEP, and watchlists.

  • Risk Scoring

    Evaluates user profiles with dynamic multi-agent logic.

  • Compliance Audits

    Maintains detailed logs for regulatory traceability.

  • Real-Time Alerts

    Flags suspicious activity instantly for review.

  • Scalable

    Handles KYC for thousands of users in parallel.

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