Close 3× More AML Cases. Zero Data Leaves Your Building.
OpsOwl AI is the investigation platform built for compliance teams at NBFCs, fintech lenders, and commercial banks — where data sovereignty is non-negotiable, regulators audit your evidence trail, and every missed deadline is a finding.
The Problem
Manual AML operations are an examination waiting to happen
Regulators in India, UAE, and EU are raising the bar on what "adequate AML controls" looks like. Spreadsheets and email threads no longer pass scrutiny.
No defensible investigation trail
Cases tracked in spreadsheets and email. When FIU-IND or CBUAE examiners arrive, you cannot produce a time-stamped, tamper-proof record of who investigated, what was found, and who approved the decision. That gap is a finding.
Analysts write reports, not investigations
Your highest-value compliance staff spend the majority of their time drafting STR/SAR narratives — re-entering the same case data into regulator portals by hand. That is the work a machine should be doing.
Deadline risk with no early warning
PMLA mandates STR filing within 7 days. UAE FIU requires same-day escalation for TF cases. Without automated SLA tracking, the first sign you've missed a deadline is the regulator's letter — not a dashboard alert.
Regulatory pressure is accelerating. The EU's Anti-Money Laundering Regulation (AMLR 2024) entered into force in July 2024. RBI's updated AML guidelines (2023) explicitly require documented, time-stamped investigation records. The window to upgrade from spreadsheet-based compliance is closing.
Data Sovereignty
Why on-premise isn't optional for regulated institutions
Cloud AML tools put your customer PII in a vendor's data center. Regulators — and your CISO — have questions about that. On-premise eliminates the question entirely.
Your regulator audits your custody
RBI IT Security Guidelines, CBUAE IT Governance Framework, and MAS TRM all require documented control over customer financial data. A SaaS vendor's SOC 2 report is not a substitute for demonstrating custody. On-premise means the data is inside your audit scope — not a third party's.
No vendor outage = no compliance risk
If your cloud AML tool has unplanned maintenance on the day a high-risk alert triggers, who owns the SLA breach? On-premise means your AML capacity is as available as your own infrastructure. You control the uptime, not your vendor.
Your air-gapped network. Your rules.
Core banking stays on-premises. Transaction data stays on-premises. Your AML investigation platform should too. OpsOwl deploys on your private network — no firewall exceptions, no data egress, no perimeter risk.
Platform Capabilities
Every tool your compliance team needs. Nothing they don't.
Every feature is production-ready, regulation-verified, and deployed entirely on your own infrastructure. No feature flags. No add-on modules. No per-user overages.
End-to-End Case Management
CoreFull investigation lifecycle with per-jurisdiction SLA rules, breach alerts before deadlines pass, and maker-checker approval workflows. No case falls through the cracks — and no deadline is silently missed.
AI Copilot with Mandatory Human Review
AIAI drafts STR/SAR narratives, case summaries, and action items from your case data. Every AI output requires a human reviewer to approve before it can be saved or filed. EU AI Act Art. 14 compliant by design — not configuration.
Maker-Checker STR/SAR Filing
goAML XML (UAE · EU · Australia · Saudi Arabia), FINnet 2.0 (India · FIU-IND), and NCA SARs Online (UK). Dual-approval before any report leaves the system. No single analyst can file a report unilaterally.
Tamper-Evident Hash-Chain Audit Trail
Every action is cryptographically chained. No entry can be modified or deleted without breaking the chain — and the break is detectable. The defensible audit trail regulators expect, built into every case from day one.
Sanctions Screening
Screens against UN Security Council, OFAC SDN, and EU Consolidated lists using fuzzy name matching at a configurable similarity threshold. Auto-triggered on every subject create and update — no manual step required.
UBO Verification with Closure Gate
Record and verify Ultimate Beneficial Owners at a configurable threshold (default 25%, per EU AMLA 2024 Art. 42). Cases with unverified UBO records cannot be closed — the gate is enforced at the API level.
RBAC with Separation of Duties
Five roles: Super Admin, Admin, Manager, Analyst, and Viewer. No analyst can investigate and approve their own case. Separation of duties is enforced in the workflow — not an honour system that depends on manual discipline.
Investigation Playbooks
Pre-built task templates auto-applied on case creation by case type (Trade Finance, Account Takeover, PEP, etc.). Consistent investigation methodology across your team — every time, without training overhead.
GDPR DSAR & EU AI Act Compliance
EU30-day DSAR deadline tracking with countdown badges, subject pseudonymisation with full erasure audit trail, and an AI Act conformity checklist with CSV export for regulatory submission. EU-deployable from day one.
Also included — no add-on required
How We Compare
OpsOwl AI vs. the alternative
Most compliance teams are choosing between a generic SaaS tool or maintaining the status quo. Neither is built for the regulatory environment you operate in.
| Requirement | OpsOwl AI | Enterprise SaaS | Spreadsheets |
|---|---|---|---|
| Data stays on your servers | ~ | ||
| Tamper-evident, regulator-ready audit trail | ~ | ||
| Jurisdiction-correct STR/SAR auto-export | ~ | ||
| SLA deadline enforcement (pre-breach alerts) | ~ | ||
| Maker-checker approval workflow | ~ | ||
| AI-assisted narrative with mandatory human gate | ~ | ||
| Air-gap / offline deployment option | ~ | ||
| RBI / MAS / CBUAE IT guideline alignment | ~ | ||
| Go live in under 5 days |
✓ = fully supported · ~ = partially or vendor-dependent · ✗ = not available
How It Works
From alert to filed report — without manual re-entry
Ingest & Triage
Alerts flow in and are auto-triaged by risk rules. Bulk-triage up to 100 alerts at once. Assigned to the right analyst with the SLA clock started immediately — no manual dispatch.
Investigate with AI
AI Copilot drafts case summaries, transaction analysis, and STR/SAR narratives from your case data. Every AI output goes through a mandatory human review gate — nothing is auto-filed.
File & Seal
STR/SAR exported in the correct jurisdiction format — goAML, FINnet 2.0, AUSTRAC SMR, or NCA SARs Online. Maker-checker approval required. Audit trail sealed and cryptographically immutable.
Operational Impact
Measurable gains from day one
Structured investigation workflows, AI-assisted drafting, and automated compliance controls deliver outcomes that compliance leaders and CFOs can measure.
Reduction in narrative drafting time
AI Copilot generates a complete STR/SAR first draft from case data in under 2 minutes. Analysts review and approve — not write from scratch. What took 3–4 hours now takes under 45 minutes.
Faster case-to-closure cycle
Investigation playbooks auto-assign tasks on case creation. SLA clocks start immediately. Structured workflows eliminate the coordination overhead of ad-hoc, spreadsheet-driven investigation.
Less manual regulatory reporting effort
goAML XML, FINnet 2.0, AUSTRAC SMR, and NCA SARs generated automatically from case data. Analysts no longer manually re-enter information into regulator portals.
Audit-ready at all times
Tamper-evident hash-chain logs every action — who did what, when, and why. No more scrambling when examiners arrive. Every case is examination-ready from the moment it opens.
Missed filing deadlines
Per-jurisdiction SLA rules fire breach alerts before deadlines pass — not after. From India's 7-day PMLA window to UAE's same-day TF escalation, no deadline is silently missed.
More cases per analyst
By eliminating manual narrative writing, portal re-entry, and coordination overhead, the same analyst headcount handles significantly higher case volumes without sacrificing investigation quality.
Based on structured workflow design. These outcomes are derived from the efficiency gains embedded in OpsOwl AI's architecture — AI-assisted drafting, automated playbooks, jurisdiction-correct auto-export, and SLA enforcement. Actual results vary by team size, case complexity, and existing process maturity.
Jurisdiction Coverage
Built for each market. Not a generic template.
Every jurisdiction ships with the correct regulator labels, reporting formats, currency thresholds, filing deadlines, and ID document types — pre-configured, not customised at your expense.
| Jurisdiction | FIU | Report Format | Regulatory Framework |
|---|---|---|---|
🇮🇳India | FIU-IND | FINnet 2.0 XML | PMLA 2002 · RBI AML Master Directions |
🇦🇪UAE | UAE FIU | goAML XML | Federal Law No. 20/2018 · CBUAE AML Guidelines |
🇪🇺EU — 27 Member States | Per-country FIU | goAML XML | EU AMLR 2024 · AMLD6 · GDPR · EU AI Act |
🇬🇧United Kingdom | NCA UKFIU | NCA SARs Online | POCA 2002 s.330 · MLR 2017 · UK GDPR |
🇦🇺Australia | AUSTRAC | SMR XML | AML/CTF Act 2006 · DFAT Consolidated List |
🇸🇦Saudi Arabia | SAFIU | goAML XML | AML Law 2017 · SAMA AML/CFT Rules |
EU AMLR 2024 Ready — All 27 Member States
OpsOwl AI ships with pre-built presets for every EU member state — including Sweden (Finanspolisen / FIPO, SEK), Netherlands (FIU-NL), Germany (FIU-DE), France (Tracfin), Greece (Hellenic FIU), and more. UBO 25% threshold gate, GDPR DSAR workflow, and EU AI Act conformity checklist are all included.
Built for any FATF member jurisdiction
OpsOwl AI's architecture means every new jurisdiction is a configuration preset — not a rebuild. New markets are typically deployable within weeks.
Need a jurisdiction not listed? Contact us — new markets are typically deployable within weeks.
On-Premise Deployment
Your data never leaves your network
OpsOwl AI is deployed entirely within your own data center or private cloud. No SaaS. No shared infrastructure. No customer PII in a vendor cloud. Deploy via Docker Compose — your servers, your keys, your control.
- 100% on-premises — deploy on your own servers via Docker Compose. Zero cloud dependency, zero data egress.
- Air-gap bundle — pre-packaged offline installer for environments with no internet access (core banking networks, regulated data centers, government institutions).
- Offline JWT license — RS256-signed license works with zero connection to any external license server. No call-home, ever.
- AES-256 encryption at rest — all stored data encrypted at the storage layer. Encryption keys never leave your environment.
- SIEM/SOAR webhook integration — push audit events to your existing security stack (Splunk, QRadar, Microsoft Sentinel) without any data leaving your perimeter.
- Enterprise session controls — per-user session limits, API key management, account lockout, and password history enforcement. Configurable to your internal IT security policy.
AI Copilot
AI that assists — not decides
Every AI output requires a human to review and approve before it is used. This is not a configurable option — it is enforced at the API level. EU AI Act Art. 14 compliant by architecture, not by policy.
Ask
Human review requiredNatural language questions about any case — transactions, subjects, timeline, linked entities. Answers cite the specific source data from within the case, not generic model knowledge.
Summarise
Human review requiredAuto-generate a structured case summary from notes, documents, and linked transactions. Saves 30–60 minutes on every complex case. Analyst reviews before the summary is saved.
Generate STR/SAR Narrative
Human review requiredDraft a full STR/SAR narrative in regulatory language — pre-populated with case facts, linked transactions, and subject details. Analysts review, edit, and approve. No narrative is filed without sign-off.
Extract Action Items
Human review requiredParse case notes and automatically surface investigation tasks, follow-up actions, and missing evidence. Keeps investigations on track without a manager having to manually read every note.
Autonomous Investigation Agent
Human review requiredRun multi-step investigation workflows — gather linked transactions, screen entities against sanctions lists, build a timeline. Every step is logged in full. Human sign-off required before any result is used.
AI Act Compliance Dashboard
EU AI Act ReadyReal-time conformity checklist: AI decisions logged with model version and provider, human review rate, explainability citations. CSV export for direct submission to regulators.
Mandatory human review gate — enforced at the API level: No AI output — summary, narrative, action item, or agent result — can be saved, used, or filed without a human reviewer explicitly approving it. This constraint cannot be bypassed by role or configuration. It is the architecture.
What Happens After You Request a Demo
From first call to first STR filed — in under a week
We don't run generic walkthroughs. Every demo is pre-configured for your jurisdiction. And if it's a fit, we help you go live — not just sign a contract.
45-minute live demo
Pre-configured for your jurisdiction — India, UAE, EU, UK, or Australia. You see exactly what your analysts and managers will use every day. No slides. No generic screenshots.
Explore in your environment
We ship a Docker Compose bundle you deploy on a laptop or VM you already have. Your team explores it with real workflows. No commitment, no vendor access to your infrastructure.
Go live on your servers
We support your IT team through installation, user setup, jurisdiction configuration, and first STR filing. Most institutions have their first live case within the first week of deployment.
Ready to see OpsOwl AI configured for your jurisdiction?
Tell us your jurisdiction and team size. We'll show you exactly what your compliance team will use — pre-populated with the right regulator, reporting format, and SLA rules. No generic demo. No sales pitch deck.
Email us directly at demo@opsowlai.com — we respond within one business day.