AML API
An AML API is a programmatic interface through which a business submits customer data for sanctions, PEP and adverse-media screening and receives structured results, enabling screening to run inside its own onboarding and monitoring systems.
Why it matters
Embedding screening in the onboarding flow means risk is assessed before an account is opened, not afterwards in a batch.
How it works
- Send verified name, date of birth and nationality.
- Receive candidate matches with scores and source details.
- Apply configurable thresholds and actions (pass, refer, reject).
- Subscribe to monitoring events via webhooks.
Common challenges
- Handling ambiguous matches consistently.
- Multilingual and transliterated names.
- Maintaining an audit trail across systems.
How IDWise supports this
IDWise addresses this within the Continuous Trust Platform through the following modules, configured per market, product line and risk tier.
Frequently asked questions
What data does an AML API need?
At minimum a name; date of birth and nationality materially reduce false positives.
Can screening be embedded in a KYC journey?
Yes; platforms run screening as a step in the verification journey with results feeding the decision.
Are results auditable?
Every screening result and disposition should be recorded with timestamps and reviewer identity.
Related terms
Talk to an IDWise specialist about your markets, regulators and risk controls.