# AML

This topic describes Rebilly Anti-Money Laundering (AML) features.

KYC and AML features are available as add-ons to your Rebilly account.
To activate, [contact Rebilly](/support/).
The KYC and AML features may be used together or separately.

Anti-Money Laundering (AML) checks are automated processes that scan customer information against AML lists as each new customer or lead is added, or when their information is changed.
When customer information matches data in an AML list, a hit is returned.
Completed AML checks contain one or multiple AML hits, where each hit is a record returned from the check.

You must manually verify these checks and mark them as a false positive or confirm that the customer has failed the AML check.

## How AML works

1. [Configure AML confidence level settings](/docs/settings/aml#configure-aml-confidence-level-settings).
For each scenario, set the degree of confidence to assign when a matching country, mismatching country, or no country is detected.
2. [Configure match priority settings for AML sources](/docs/settings/aml#configure-aml-match-priority-settings).
For each source, set the priority level for when very strong, strong, medium, and weak matches of customer information are found.
3. Automated AML checks scan customer information against Rebilly AML sources as each new customer or lead is added, or when their information is changed.
4. [Manually review AML checks](/docs/data-tables/manage-aml#review-customer-aml-checks) to confirm result matches or mark false positives.
A known false positive is suppressed from future alerts for a 1-year period.
For more information, see [Review customer AML checks](/docs/data-tables/manage-aml#review-customer-aml-checks).
5. [View completed customer AML checks](/docs/data-tables/manage-customer-compliance#view-completed-customer-aml-checks) to see the results of completed AML checks that are associated with a particular customer.


## Features

This section describes AML features and how to use them.

### Review AML checks

To review, accept, and reject customer AML checks, see [Manage AML](/docs/data-tables/manage-aml).
To view completed AML checks that are associated with a particular customer, see [View completed customer AML checks](/docs/data-tables/manage-customer-compliance#view-completed-customer-aml-checks).

### AML settings

To configure the level of confidence for customer Anti-Money Laundering (AML) check scenarios, see [AML confidence level settings](/docs/settings/aml#configure-aml-confidence-level-settings).
To configure match priority levels settings for Anti-Money Laundering (AML) sources, see [AML match priority settings](/docs/settings/aml#configure-aml-match-priority-settings).

### AML lists

AML sanctions, [Politically Exposed Person (PEP)](/docs/glossary#politically-exposed-person-pep) lists, and adverse media lists are used to check customer-provided information against lists published by governments and proprietary lists compiled by Rebilly.

#### List sources

The following AML list sources are assessed during an AML check.
These lists are updated daily.
If you would like to add another list, [contact Rebilly](https://www.rebilly.com/support/).

- [US OFAC](/docs/glossary#office-of-foreign-assets-control-ofac)
- UN sanctions
- EU sanctions
- US CIA
- Wikidata
- Proprietary


### Types of AML checks

The following check types are performed during an AML check.
If you would like to add another type of AML check, [contact Rebilly](https://www.rebilly.com/support/).

- [Politically Exposed Person (PEP)](/docs/glossary#politically-exposed-person-pep)
- Sanctions
- State-Owned Enterprises
- Adverse Media


### Fuzzy matching

Rebilly uses fuzzy matching algorithms including: partial match, double metaphone for name-based fuzzy searching, sounds-like (Soundex algorithm), and typos (Levenshtein algorithm) to identify possible matches.
Rebilly also uses a combination of other tactics, including custom relevancy and matching algorithms, to increase accuracy and confidence as much as possible.

### AML check inheritance

When an AML check results one or more hits, the result of an earlier check may be used instead of creating a new pending review.
This reuse is called AML check inheritance or propagation.

Inheritance applies only the status of the earlier check, such as `confirmed` or `false positive`.
The new check still records current hits and links to the source check.

Inheritance occurs only when the current check produces the exact same set of AML hits as an earlier check that has already been reviewed and is not `pending` or `no-match`.
The reason recorded on the new check specifies why the earlier result was reused.
To view AML inherited matches reports, see [AML inherited matches reports](/docs/reports/aml-reports#view-inherited-matches-reports).

#### Reasons for inheritance

- **Customer data exactly matched a previous check on the same customer:** The same customer already had an AML check with the same hits, and that check was already reviewed.
The result of the earlier check is reused so the same hits do not need to be reviewed again.
- **Customer identity exactly matched a check on another customer:** The customer is treated as the same natural person as another customer, for example, the same person record in Rebilly.
The other customer has an AML check with the same hits that was already reviewed.
The result is reused for the current customer.
- **Customer primary phone number exactly matched a check on another customer:** The customer shares the same primary phone number on the primary address as another customer.
The other customer has an AML check with the same hits that was already reviewed.
The result is reused for the current customer.
- **Customer data exactly matched a previous check on the same customer vs related-customer propagation:** For a given check, the result is inherited either from the same customer’s previous check or from a related customer’s check, but not both.
When both are available, the result from the same customer’s previous check is used.


### Activate continuous monitoring

If you would like to activate continuous AML monitoring, [contact Rebilly](https://www.rebilly.com/support/).