TrustAML
Designed to Support Compliance with Nepal's AML Law & Regulator Directives · FATF-Aligned · goAML Compatible · Built Around Your AML/CFT Policy & Procedure

End-to-End AML/CFT Compliance — Built for all Reporting Entities

With more than a decade of hands-on AML/CFT experience, deep regulatory domain knowledge, and a team of banking and IT experts who've sat on both sides of the compliance desk, Datum Systems takes the worry out of AML/CFT compliance — so your team can focus on the business, not the paperwork. Our TrustAML suite gives reporting entities a single, auditable platform for CDD, screening, monitoring, and regulatory reporting.

Request a Demo Explore Products

Why Reporting Entities Choose TrustAML

  • ● Full Risk-Based Approach per FATF guidance
  • ● Sanctions, PEP, negative & watch-list screening
  • ● Real-time and batch transaction monitoring
  • ● Native goAML reporting for FIU-Nepal
  • ● Configurable to institution size and core banking system
The TrustAML Effect

From Manual, Reactive Compliance to a Resilient, Regulator-Ready Institution

Every reporting entity sits somewhere on this curve. TrustAML's risk-based engine is built to move you from high, unmanaged exposure to measurable, demonstrable compliance resilience.

At a Glance
After TrustAML Unified, risk-based compliance Risk Exposure ↓ Compliance Resilience ↑ 2.1 9.4 7.8 3.2 Before TrustAML Manual, siloed compliance Risk Exposure ↑ Compliance Resilience ↓
Impact Dashboard
BEFORE TRUSTAML 7.8 RISK INDEX 3.2 RESILIENCE
Manual ReviewsSiloed DataReactive Alerts
1 Screening & KYC 2 Risk Profiling 3 Monitoring 4 Reporting 4 Pillars. 1 Engine.
AFTER TRUSTAML 2.1 RISK INDEX 9.4 RESILIENCE
Automated ScoringUnified Compliance 360°Real-Time Monitoring
The Complete Picture

One Platform, Four Pillars — End-to-End AML/CFT Coverage

TrustAML is built around the four pillars every AML/CFT programme must implement.

1 2 3 4
TrustAML4 Pillars
1. Customer Identification & Acceptance
2. Customer Risk Profiling
3. Transaction Monitoring & Case Management
4. Go-AML Reporting
Pillar 1

Customer Identification & Acceptance

  • Sanctions, PEP, watch-list and adverse-media screening at onboarding and on every list update, with full maker-checker disposition.
  • Complete KYC/KYM capture — identity, citizenship, linked accounts and documents — with biometric enrolment and risk-based periodic review.
  • Enhanced Customer Due Diligence (ECDD) for high-risk and PEP files, with mandatory source-of-funds and source-of-wealth verification.
Customer Identification and Acceptance Module Features →
Pillar 2

Customer Risk Profiling

  • FATF Risk-Based Approach scoring across customer, product, service, geography, and delivery channel.
  • Configurable Risk Value Setup, with on-demand review and scheduled quarterly batch re-profiling.
  • Compliance 360 investigation view — behavioural, network, geographic and typology intelligence in one profile per customer.
Customer Risk Profiling Features →
Pillar 3

Transaction Monitoring & Case Management

  • Configurable rule engine covering occupation deviation, structuring, layering, high-risk-country and other named scenarios.
  • Every rule and threshold change goes through Initiator → Central Approver sign-off with an immutable audit log.
  • Compliance 360 doubles as the case workbench for investigating, evidencing and disposing of every alert.
Transaction Monitoring and Case Work Bench →
Pillar 4

Go-AML Reporting

  • STR/SAR registration for natural or legal subjects — whether or not they are your own client — with full grounds-of-suspicion narrative.
  • Reports generated to the FIU-Nepal goAML schema, filed under strict need-to-know access to prevent tipping-off.
  • STR Comprehensive and TTR reports give the Compliance Officer one consolidated, regulator-ready view of every filed case.
Go-AML Reporting Features →
15+
Years Serving Nepal's Financial Sector
9
Sector-Specific TrustAML Editions
100%
FATF Risk-Based Approach Alignment
goAML
Native FIU-Nepal Reporting Compatibility
What We Do

One Platform Across the Full AML/CFT Lifecycle

TrustAML covers the complete AML/CFT ecosystem so compliance officers, regulators, and law enforcement can rely on one consistent, evidence-based record — from onboarding to suspicious transaction reporting.

KYC

Know Your Customer & CDD/EDD

Risk-based customer due diligence with mandatory and enhanced fields, biometric verification, and document workflows integrated with core banking.

Know Your Customer & CDD/EDD

  • Digital onboarding with e-KYC, document and biometric liveness verification
  • Risk-based CDD with tiered mandatory field sets by customer risk band
  • Enhanced Due Diligence (EDD) workflow for high-risk, PEP and cross-border customers
  • Beneficial Ownership (UBO) identification and corporate structure mapping
  • Source of Funds / Source of Wealth capture and verification triggers
  • Periodic and event-driven KYC review scheduling
  • Maker-checker-approver segregation of duties on every KYC decision
  • Core banking (CBS) integration for a single customer view
  • Document management with expiry tracking and auto-reminders
  • Full audit trail of every KYC change, approval and override
See full module page →
SC

Screening

Dynamic screening against sanctions, PEP, adverse media, and internal watch lists at onboarding and on every list update.

Screening

  • Real-time sanctions, PEP and adverse-media screening at onboarding
  • Continuous batch re-screening on every watchlist update
  • Fuzzy-matching and phonetic algorithms to reduce false negatives
  • Configurable match-scoring thresholds by risk appetite
  • Multi-list coverage: UN, OFAC, EU, UK HMT and Nepal-specific lists
  • Screening of related parties — directors, UBOs, guardians, joint holders
  • Alert disposition workflow with reason-coded closure
  • False-positive reduction via whitelisting and historical learning
  • Transaction-level screening on wires and beneficiaries
  • Full screening audit log for regulator inspection
See full module page →
RP

Risk Profiling

Scientific, risk-based scoring across customer, product, geography, and delivery channel — with on-demand and scheduled batch profiling.

Risk Profiling

  • Multi-factor composite scoring — customer, product, geography, channel
  • FATF Risk-Based Approach aligned scoring methodology
  • Configurable Risk Value Setup and weighting per institution policy
  • Automatic Low/Medium/High risk banding with calibrated thresholds
  • Scheduled batch re-profiling plus on-demand ad-hoc scoring
  • National Risk Assessment (NRA) factor alignment
  • Automatic high-risk routing into the ECDD workflow
  • Manual override with mandatory justification and approval
  • Risk trend and portfolio-level distribution reporting
  • Full audit trail on every scoring change and override
See full module page →
TM

Transaction Monitoring

Real-time and periodic monitoring against customer profile and predefined scenarios, with alert escalation workflows.

Transaction Monitoring

  • Configurable rule engine with parameterised thresholds
  • 56 named STR/TTR monitoring scenarios — structuring, layering, rapid movement and more
  • Real-time and batch/periodic monitoring modes
  • Behaviour-based anomaly detection against customer risk profile
  • Alert scoring and prioritisation for analyst triage
  • Initiator → Central Approver rule governance with audit log
  • Transaction white-list and watch-list handling
  • Occupation-wise and special-customer dynamic thresholds
  • Alert-to-case escalation workflow
  • Full rule change history and version control
See full module page →
RG

Regulatory Reporting

Threshold, suspicious transaction, and management reports — fully compatible with goAML for FIU-Nepal submission.

Regulatory Reporting

  • Automatic STR/SAR/TTR report generation from concurred alerts
  • Native goAML XML schema compliant with FIU-Nepal
  • Mandatory grounds-of-suspicion narrative capture
  • Predicate offence and report indicator tagging
  • One-click "Generate & Submit to FIU" workflow
  • Threshold Transaction Report (TTR) automation
  • Management information reports for board and regulator
  • Filing history and acknowledgement tracking
  • Need-to-know access controls to prevent tipping-off
  • Report download and archive by flag type and date range
See full module page →
360

Compliance 360 Investigation View

A single consolidated profile — behavioural, network, geographic, and typology intelligence — for verifying alerts and building the case file.

Compliance 360 Investigation View

  • Single consolidated 360° customer profile for every alert
  • Behavioural, network, geographic and typology intelligence in one view
  • Linked-account and related-party network visualisation
  • Previous case history and disposition trail per customer
  • Evidence collection and document attachment per case
  • Turnover and transaction pattern analytics
  • KYC gap flagging within the investigation view
  • Case escalation and multi-level approval workflow
  • Bulk override and bulk case creation for related alerts
  • Full case audit trail from flag to disposition
See full module page →
CS

Consulting

AML/CFT advisory (Trust Consult) — policy, governance, and regulatory-readiness support for reporting entities and their compliance teams.

Consulting

  • AML/CFT policy and procedure design, and gap assessment
  • Independent review of governance and controls against NRB directives
  • FATF Risk-Based Approach readiness and NRA alignment review
  • Regulatory-readiness support ahead of NRB inspection
  • Institutional risk assessment — inherent and residual risk
  • Target Operating Model and Compliance Officer function design
  • Remediation planning and implementation roadmaps
  • Independent AML/CFT audit and control-testing support
  • Governance framework and board-reporting design
  • Ongoing regulatory-change advisory
See full module page →
TR

Training

Structured training programmes, from onboarding staff to specialist compliance officers, to build institutional AML/CFT capability.

Training

  • Structured curriculum from onboarding staff to specialist Compliance Officer level
  • AML/CFT landscape modules — FATF, APG, MONEYVAL, Nepal's institutional framework
  • Role-based tracks for branch staff, compliance officers and senior management
  • Scenario-based and case-study driven learning
  • Sector-specific programmes — banks, cooperatives, insurance, securities
  • Regulatory-update briefings tied to NRB Directives changes
  • Assessment and certification tracking per employee
  • Red-flag identification and STR-writing workshops
  • Train-the-trainer programmes for institutional capability building
  • Annual refresher and compliance-culture programmes
See full module page →
DC

Data Cleansing and Validation

Profiling, deduplication, and validation of core banking, KYC, and transaction data before it feeds screening, monitoring, and risk scoring — so downstream AML decisions are only as good as the data behind them.

Data Cleansing and Validation

  • Automated profiling of core banking, KYC and transaction data
  • Deduplication of customer records across branches and systems
  • Standardisation of names, addresses and identifiers
  • Data completeness and mandatory-field validation
  • Cross-field consistency and format validation
  • Legacy data migration cleansing and reconciliation
  • Data quality scorecards and exception reporting
  • Golden-record / single customer view creation
  • Pre-screening and pre-scoring data readiness checks
  • Ongoing data quality monitoring and remediation workflow
See full module page →
Sectors We Serve

Purpose-Built Editions of TrustAML

A single core engine, configured for the regulatory obligations of each reporting entity type.

Core TrustAML for Class A commercial banks, Class B development banks, and Class C finance companies.

TrustAML-Hire Purchase for hire purchase and leasing finance companies.

TrustAML-Cooperative for savings and credit cooperatives.

TrustAML-Casino for gaming sector compliance obligations.

TrustAML-Securities for brokerage and capital market intermediaries.

TrustAML-Insurance for life and non-life insurers.

TrustAML-Remittance for cross-border remittance service providers and money transfer operators.

TrustAML-Transfer for domestic fund transfer operators.

TrustAML-Gold for the gold and bullion trading sector.

TrustAML-RealEstate for AML/CFT compliance specific to real estate transactions.

Ready to Strengthen Your AML/CFT Compliance?

Speak with our team about TrustAML, Trust Consult advisory, or compliance training programmes.

Contact Us