Transaction Monitoring

Enhance the accuracy and effectiveness of your risk detection

Detect evolving threats with unparalleled accuracy

ThetaRay’s Cognitive AI Transaction Monitoring Solution redefines how financial institutions detect and mitigate risk, focusing on effectiveness, transparency, and enhanced customer experience.

Its data-driven detection engine delivers faster, more accurate alerts that strengthen financial crime compliance, reduce manual workload, and free resources for growth.

With our NEW Agentic AI AML investigation suite ‘Ray’, analysts gain instant investigative clarity and explainability — turning high-quality alerts into fast, consistent, and regulator-ready decisions.

Enhanced risk visibility for growth
Faster, smarter decision-making
Optimized operational efficiency
Network insights
Transparent compliance

Enhanced risk visibility for growth

Data-backed alerts and enriched investigative insights enable strategic expansion into new markets without compromising compliance. Ray enhances Transaction Monitoring by providing deeper context and analysis, helping institutions understand customer and network risk at a level legacy systems cannot achieve.

Faster, smarter decision-making

Timely, accurate alerts enable quick, data-driven decisions. Ray supports analysts with immediate investigative context, simple explanations, and clear reasoning, accelerating case resolution while maintaining confidence and control over every outcome.

Optimized operational efficiency

ThetaRay streamlines monitoring workflows so teams can focus on higher-value investigations. Ray further reduces operational burden by automating the most time-consuming investigation steps and minimizing manual reviews — enabling analysts to work with greater speed and precision.

Network insights

Cognitive AI: Real-Time Compliance & AML Detection

Network visualization accelerates investigations — turning months of manual effort into weeks — by enabling analysts to identify relationships and behaviors that alerts alone cannot reveal. Ray builds on these insights by organizing patterns, contradictions, and supporting evidence into a coherent narrative that strengthens decision-making.

Transparent compliance

Cognitive AI ensures full transparency by automatically documenting detection logic and maintaining secure audit trails aligned with global regulatory expectations. Ray extends this transparency across investigations by generating clear, explainable outputs that support regulator-ready decisions and consistent outcomes across teams.

Strengthen Investigations with Ray

Agentic AI investigation intelligence for faster, consistent, and fully explainable outcomes

Our NEW Agentic AI AML investigation suite ‘Ray’ brings a new layer of intelligence to ThetaRay Transaction Monitoring — helping institutions close cases faster and with greater clarity.

Ray automatically analyzes each alert and produces a structured, explainable investigation report with findings, contradictions, KYC alignment checks, historical context, and recommended next steps.

Furthermore, Ray supports analysts with on-demand insight — summarizing long documents, clarifying case details, and conducting controlled open-source scanning directly inside the Investigation Center.

Turn raw alerts into clear, consistent, and audit-ready decisions — without changing existing workflows or systems with Ray.

Maintain trust with regulators and customers

Helps you meet regulatory and industry standards

ThetaRay Transaction Monitoring supports global AML regulations by delivering actionable insights, transparent audit trails, and strong explainability. ThetaRay is also recognized by the Financial Action Task Force (FATF), participating as an expert contributor in professional discussions.

Enabling Compliant Growth for Payment Service Providers

Onafriq is a leading Pan-African payment network that connects over 500 million mobile wallets and bank accounts across more than 40 African markets. ThetaRay’s advanced technology not only met Onafriq’s immediate needs but also established a new benchmark for compliance and efficiency in digital payments across Africa.

Deployment in under 3 months
Enhanced risk detection — 83% of sender alerts and 94% of receiver alerts for complex cross-border payments were deemed detection-worthy

View the customer story