Regulatory Change Delivery
Regulatory change arrives as legal text, but it has to become ownership, controls, data, reporting and evidence inside the business.
Risk & Compliance
Financial Crime, AML & Transaction Monitoring
Most false positives in financial-crime monitoring start upstream, in the data.
Overview
Financial-crime compliance becomes expensive when the control estate fires on noise. Screening and monitoring systems that produce high false positives consume investigator time, slow customers down and still leave real risk hard to see.
Capmark helps institutions design and remediate AML, KYC, sanctions and transaction-monitoring programmes. We focus on the drivers of cost and risk: entity data, customer risk rating, scenario tuning, sanctions screening, case management, investigation quality and evidence.
Our team includes people who have delivered financial-crime programmes inside major institutions and supported the examinations, remediation plans and evidence packs that test them.
What we do
We rebuild customer risk assessment, due diligence, ongoing KYC and customer-file standards so the risk rating is supported by evidence and drives the right monitoring. Remediation books are prioritised by risk and run to closure with traceable decisions.
We recalibrate sanctions screening and transaction-monitoring scenarios against outcome data: what alerted, what converted, what was escalated and what real risk looked like. Alert reduction is applied only where detection is tested and preserved.
We align fraud detection and AML monitoring where the same customer, account and transaction data can support both. Scam, mule, laundering and suspicious-payment activity are investigated as one picture rather than separate queues.
We rebuild the investigations operating model: triage, capacity, procedures, QA, suspicious-activity reporting and management information. Throughput improves without lowering the quality of investigation decisions.
We fix the upstream data defects that drive false positives: unresolved entities, stale customer records, poor identifiers, weak lineage and fields never designed for screening or monitoring. Tuning only works when the alert reflects real activity.
We scope and deliver historical reviews with clear population, period, methodology, sampling, QA and closure evidence. Where a regulator, independent expert or monitor is involved, the evidence pack is built as delivery proceeds.
What to expect
A Senior Practitioner leads from day one. The first weeks assess the programme, the data feeding it, the findings against it and where investigator time is being consumed.
We then design the target state, tune the systems, repair the data, rebuild procedures, retrain teams and evidence each change as it is delivered.
Engagements range from current-state assessment and tuning review to full AML, sanctions, transaction-monitoring, lookback or remediation delivery.
Sequenced through current-state assessment, target design, then delivery and evidence.
01
Assess
Establish the current state, the constraints, the risks and the value at stake.
02
Define
Shape the target model and the business case with the executives who own the outcome.
03
Mobilise
Stand up the team, the plan and the governance around the outcome.
04
Implement
Design, build and test the change, with the business alongside.
05
Sustain
Cutover, hypercare and handover, so the business runs it under its own control.
The same five stages on every engagement, led by senior practitioners end to end. How we work
Client result
Proven in the work, not the pitch.
Asset & Wealth Management · Financial Crime
Financial-crime controls rebuilt for the world's largest alternative asset manager
The World's Largest Alternative Asset Manager · Financial Crime Transformation
The firm partnered with us to convert regulatory findings on AML control deficiencies into a resilient financial-crime framework: customer risk assessment, screening, enhanced due diligence and AI-assisted alert reduction, remediated to completion under independent scrutiny.
- 5
- Interlocking initiatives directed
- AI/ML
- Screening false positives reduced
- 2 clouds
- Azure and AWS delivery
- Evidenced
- To independent monitors
Read the case study
Insights
Related thinking.
Get in touch
Talk to a Partner about Financial Crime, AML & Transaction Monitoring.
Tell us what needs to change and where the pressure or risk is showing.