Transaction Layer

AML-AI

Active

Score individual transactions for AML risk and detect patterns across 90 days of customer history. Automatically flags structuring, hawala, layering and 4 more typologies. Determines FINTRAC, goAML and SAMA reporting obligations.

Endpoint

POST/api/aml/scan

Reporting thresholds

Jurisdiction	Threshold	Regulator	Report type
CA 🇨🇦	`$10,000 CAD`	FINTRAC	LCTR / STR
AE 🇦🇪	`AED 55,000`	CBUAE	goAML STR
SA 🇸🇦	`SAR 60,000`	SAMA	SAR

Risk score

Score ranges from 0 to 950. Structuring detection triggered by pattern analysis adds up to 500 points on top of the single transaction score.

Score range	Risk level	Recommended action
`0 – 249`	Low	Process automatically
`250 – 499`	Medium	Monitor, no action required
`500 – 749`	High	Flag for compliance review
`750 – 950`	Critical	Block and escalate immediately

Request parameters

Parameter	Type	Required	Description
`transaction_id`	string	Yes	Your unique reference for this transaction.
`customer_id`	string	Yes	Your internal customer reference. Used to fetch 90-day transaction history for pattern detection.
`jurisdiction`	string	Yes	One of: CA (Canada), AE (UAE), SA (KSA). Determines reporting thresholds and rules.
`amount`	number	Yes	Transaction amount in the specified currency.
`currency`	string	Yes	ISO 4217 currency code. CA=CAD, AE=AED, SA=SAR.
`transaction_type`	string	Yes	One of: deposit, withdrawal, transfer, payment, wire, crypto.
`counterparty_name`	string	No	Name of the counterparty (sender or recipient).
`counterparty_country`	string	No	2-letter ISO country code of counterparty. Used for high-risk geography detection.
`description`	string	No	Transaction description or purpose.

Response fields

Parameter	Type	Required	Description
`data.risk_score`	integer	Yes	Combined risk score 0–950. Industry standard scale.
`data.single_tx_score`	integer	Yes	Score from single transaction analysis only.
`data.pattern_score`	integer	Yes	Additional score from 90-day pattern detection.
`data.risk_level`	string	Yes	low, medium, high, or critical.
`data.status`	string	Yes	approved, rejected, or review_required.
`data.typologies_detected`	array	Yes	List of AML typologies found: structuring, threshold_avoidance, velocity_anomaly, round_tripping, layering, amount_clustering, high_risk_geography.
`data.patterns_detected`	array	Yes	Patterns found across transaction history.
`data.fintrac_reportable`	boolean	Yes	True if transaction must be reported to FINTRAC (CA only).
`data.goaml_reportable`	boolean	Yes	True if transaction must be reported via goAML (AE only).
`data.sama_reportable`	boolean	Yes	True if transaction must be reported to SAMA (SA only).
`data.history_analyzed`	object	Yes	Context: transactions (count), days (90), patterns_found (count).
`data.ai_recommendation`	string	Yes	Plain-English assessment with recommended action.

Code example

curl -X POST \
  https://shield.kodexa.systems/api/aml/scan \
  -H "Content-Type: application/json" \
  -d '{
    "transaction_id": "TXN-2026-001",
    "customer_id": "CUST-CA-042",
    "jurisdiction": "CA",
    "amount": 9500,
    "currency": "CAD",
    "transaction_type": "transfer",
    "counterparty_name": "John Smith",
    "counterparty_country": "CA"
  }'

Example response

json

{
  "success": true,
  "data": {
    "risk_score": 750,
    "single_tx_score": 250,
    "pattern_score": 500,
    "risk_level": "high",
    "status": "review_required",
    "typologies_detected": [
      "structuring",
      "threshold_avoidance"
    ],
    "patterns_detected": [
      "structuring",
      "threshold_avoidance"
    ],
    "fintrac_reportable": true,
    "goaml_reportable": false,
    "sama_reportable": false,
    "history_analyzed": {
      "transactions": 5,
      "days": 90,
      "patterns_found": 2
    },
    "ai_recommendation": "Transaction of $9,500 CAD is $500 below the FINTRAC $10,000 reporting threshold. Combined with 4 similar transactions in the past 7 days totaling $47,500 — classic structuring pattern. File FINTRAC STR immediately.",
    "compliance_flags": [...],
    "requires_human_review": true,
    "request_id": "aml_1716000000_xyz789",
    "created_at": "2026-05-22T04:00:00.000Z"
  },
  "processing_time_ms": 11234,
  "jurisdiction": "CA",
  "plugin": "aml"
}