Solutions
Every AML pain point, solved end to end
From onboarding to regulatory filing, see how each ThetaRay solution replaces a manual, rules-heavy process with AI that detects more, investigates faster and documents every decision.
Trusted by global financial institutions
Capability map
From today's pain points to measurable outcomes
Each solution pairs an AI-native Theta detection engine with a Ray agent, and runs on its own or on top of the systems you already use.
KYC onboarding
Smart onboarding
How ThetaRay solves it: Plug-and-play APIs screen new customers and return a documented risk decision at onboarding, so low- and medium-risk profiles clear instantly.
Today's pain points
- Manual checks slow every new customer
- Inconsistent risk decisions across teams
- Good customers drop off before approval
Business value
- Faster, lower-friction onboarding
- Consistent, documented decisions
- Analyst time kept for high-risk cases
Sanctions and watchlist screening
Sanctions screening
How ThetaRay solves it: Contextual screening combines names with entity, behavior and network context to separate true matches from noise, with every decision explained.
Today's pain points
- Static, name-only matching
- High false positive volumes
- Little context to clear a hit
Business value
- Fewer false positives
- Faster hit resolution
- Defensible, auditable decisions
Real-time transaction screening
Payments screening
How ThetaRay solves it: AI screens every payment in real time and releases clean transactions automatically, while Ray investigates the hits that remain.
Today's pain points
- Payments held for manual review
- False positives slow straight-through processing
- Real-time rails leave no time to investigate
Business value
- More straight-through payments
- Faster release of held transactions
- Lower operational cost per payment
AML transaction monitoring
AML transaction monitoring
How ThetaRay solves it: Ensemble machine learning, unsupervised and semi-supervised, detects known and unknown risk across customers, counterparties and networks.
Today's pain points
- Rules-heavy monitoring with high false positives
- Alert backlogs and analyst fatigue
- Blind spots for new typologies
Business value
- Fewer false positives
- Higher detection of complex risk
- Analysts focused on real risk
Continuous KYC and customer risk rating
Perpetual KYC
How ThetaRay solves it: Customer risk updates as customers actually behave. Ray Score refreshes profiles, triggers enhanced due diligence on behavior and documents every step.
Today's pain points
- Periodic, calendar-driven reviews
- Static risk scores that go stale
- Manual, inconsistent documentation
Business value
- Risk-aligned review effort
- Fewer periodic reviews
- Always-current customer risk
AML case management
Case management
How ThetaRay solves it: A single investigation center brings alerts, evidence, workflow and decisions together, with every action recorded for audit.
Today's pain points
- Fragmented tools and manual handoffs
- Limited visibility into case status
- Evidence spread across inboxes
Business value
- Shorter case cycle times
- Lower backlog
- Full visibility for managers
AI agents for AML investigations
Agentic investigations
How ThetaRay solves it: AI agents investigate alerts end to end: they gather evidence, analyze it, draft the narrative and recommend a decision, with a full audit trail and a human in control.
Today's pain points
- Time-consuming manual research
- Data scattered across systems
- Inconsistent narratives and decisions
Business value
- Faster investigations
- Higher analyst productivity
- Consistent, audit-ready quality
SAR and STR filing
Automated regulatory reporting
How ThetaRay solves it: SAR and STR filings are pre-filled from the case and aligned to FinCEN, FINTRAC, goAML, COAF, UIF and TRACFIN standards, so findings flow straight from case to submission.
Today's pain points
- Manual SAR and STR preparation
- Data re-keyed from case to report
- Filing delays and quality issues
Business value
- Faster, on-time filing
- Fewer errors and rework
- Consistent report quality
Find the right starting point
Tell us where alerts pile up or decisions stall, and we will show you the solution that fits.