Compliance-Aware Architecture
Chudovo designs AML platforms around the regulatory scope applicable to the client's jurisdictions and business model, with the audit, data retention, and access control model built into the architecture.
Chudovo applies an AI-assisted development approach to AML projects, with the tools supporting work on integration code, front-end applications, and analytics layers under senior engineer review.
Explainable and Auditable Detection
Chudovo builds detection logic — both rule-based and AI-driven — with explainability and auditability at the core, so analysts can defend every alert and every risk score to internal audit and regulators.
Data-Provider-Agnostic Integration
Chudovo designs the integration layer so that screening data providers, transaction sources, and reporting endpoints can be swapped or extended without re-architecting the platform.
Transaction structuring below reporting thresholds
Rapid movement of funds across accounts
Unusual transaction frequency for a customer profile
Sudden changes in customer transaction behavior
Payments involving high-risk jurisdictions
Dormant account reactivation followed by significant activity
Circular money movement between related entities
Multiple accounts connected to a single beneficial owner
Transactions inconsistent with the customer's stated profile
Unusual cross-border payment patterns
Chudovo develops anti-money laundering software to help institutions create controls for the relevant regulatory frameworks that govern the way they operate. Regulatory frameworks will vary according to jurisdiction, licenses held, and product categories – all of which are established during the discovery process.
Chudovo develops FATF-compliant software for jurisdictions. It is the responsibility of the institution to be certified and compliant with the relevant regulations.
Timelines depend on scope, regulatory environment, and the integration landscape. The ranges below are typical for AML projects that Chudovo delivers.
| Project Phase | Typical Timeline |
| Discovery and Regulatory Scope | Two to four weeks |
| Architecture and Proof of Concept | Three to six weeks |
| Focused AML MVP | Three to six months |
| Enterprise AML Platform | Six to twelve months, or longer for complex deployments |
| Data Migration and Parallel Validation | Depends on data volume and legacy system complexity |
For enterprise deployments, Chudovo builds in a shadow-mode phase where the new platform operates in parallel with the existing system and the compliance team compares results before full cutover.
Role-based access control
Multi-factor authentication
Encryption in transit and at rest
Immutable audit logs
Segregation of duties
Data masking for sensitive fields
Configurable data retention policies
Secure API access
Monitoring of privileged administrator actions
AML projects range from focused MVPs for early-stage institutions and RegTech startups through enterprise platforms for banks with high transaction volumes and multi-jurisdiction operations.
| MVP | Enterprise Platform |
| Batch transaction monitoring | Real-time monitoring at scale |
| Predefined detection rules | Configurable rules engine |
| Basic customer risk score | Dynamic multi-factor risk scoring |
| Alert list | Full case management |
| Manual watchlist upload | Automated data-provider integrations |
| Basic reporting | SAR and STR workflows |
| Limited user roles | Granular access with segregation of duties |
| Single business unit | Multi-entity and multi-jurisdiction support |
| Standard audit log | Full decision lineage |
| Single-server processing | Event-driven distributed architecture |
Transaction volume that needs to be processed by the platform
Requirement of real-time monitoring or batch monitoring
Number of scenarios for detection
Requirements for KYC, PEP, and sanctions screening
Number of data sources from third parties to be integrated
Integrations required with core banking systems and payments
Complexity of case management
Requirements for SAR and STR reporting
Number of jurisdictions to be supported
AI and ML capabilities
Explainability and governance of models
Historical data migration requirement
Security and audit requirements
Deployment options in cloud and on-premises
Availability and disaster recovery requirements
Modernization vs new development
Off-the-shelf AML platforms work for many institutions, but some organizations reach a point where the platform’s constraints limit their compliance program or business model. The comparison below shows what changes when an institution moves from off-the-shelf to custom.
| Off-the-Shelf | Custom AML Software |
| Standard workflows | Organization-specific workflows |
| Limited rule configuration | Custom detection logic |
| Vendor-defined integrations | Integration with existing infrastructure |
| Recurring licensing costs | Ownership of the developed solution |
| Restricted data model | Custom transaction and entity models |
| Vendor release schedule | Independent product roadmap |
| Possible vendor lock-in | Greater architectural control |
Custom development in AML often means a hybrid approach — building custom transaction monitoring or case management layers while integrating licensed sanctions, PEP, adverse media, and identity data providers. Chudovo scopes each project against the client’s real needs and existing vendor relationships.
Enterprise AML Background and Expertise
The microservices architecture, streaming events, and real-time data processing techniques used by enterprise AML can be found at Chudovo. We know how to distinguish between an AML software solution and a demo of it.
Engineering that Is Conscious of the Regulations
We build applications that comply with the audit, access control, and data lineage requirements that are demanded in the process of AML compliance and auditing.
Part of a Wider FinTech Software Practice
This is part of the FinTech software service offered by Chudovo, which involves banking software development, payment platforms, and many more financial software domains.
Long-Term Support and Regulatory Evolution
As regulations become more stringent, the typology changes, and the data providers are replaced over time. Chudovo offers maintenance and support services for AML platforms.
