Fuzzy and phonetic matching
Name resolution across transliteration variants, patronymics, corporate suffixes and reversed name order, with a tunable score threshold per risk appetite.
CFoncier Checker
Our in-house AML and CFT verification platform — screening subjects against international sanctions, PEP and adverse-media sources, with continuous monitoring and an audit-ready record of every decision.
Compliance built as software, not as paperwork
Financial crime controls fail most often not because a list was missing, but because the work around the list was manual: spreadsheets of names, screenshots of search results, and decisions that cannot be reconstructed months later. CFoncier Checker is our response to that problem — a single system in which a subject is captured once, screened against every relevant international source, and carried through review, decision and ongoing monitoring without leaving an evidential gap.
The platform is being developed for our own compliance function, against the standards we are held to: risk-based customer due diligence, beneficial-ownership transparency, sanctions ownership and control tests, and the ability to reproduce any historical screening result exactly as it stood on the day it was run.
It is deliberately not an automated decision engine. The system finds, scores and evidences; a named reviewer decides. That separation is what makes the output defensible in front of a regulator, a correspondent bank or a counterparty's own compliance team.
Inside the application
A representation of the screening console: subject record, live match panel and the alert queue that drives analyst review.
CFoncier Checker — Screening Console
v0.9 · build 2418Subject record
Norvik Maritime Holding Ltd
- Type
- Legal entity
- Registration
- HE 418 992 · Cyprus
- Incorporated
- 14 March 2016
- UBO chain
- 3 layers · 2 jurisdictions
- Product
- Secured facility
Composite risk
92High
Jurisdiction70
Ownership opacity88
Sector exposure64
Adverse media41
Screening result
12 sources · 0.4sOFAC SDNMatch — ownership ≥ 50%Confirmed
EU ConsolidatedMatch — indirect controlConfirmed
UK OFSINo matchClear
UN ConsolidatedNo matchClear
PEP registryMatch — RCA of directorReview
Adverse media3 articles · sanctions evasionReview
Alert queue
| ID | Subject | Typology | Score | Status |
|---|---|---|---|---|
| ALR-4192 | Norvik Maritime Holding Ltd | Sanctions — ownership | 92 | Escalated |
| ALR-4188 | A. Kovalenko | PEP — close associate | 74 | In review |
| ALR-4181 | Delta Agro Trading FZE | Adverse media — fraud | 61 | In review |
| ALR-4176 | M/V Silver Crest | Vessel — port call pattern | 55 | Discounted |
| ALR-4170 | Hensel & Partner GmbH | Name match — low confidence | 38 | Cleared |
Illustrative interface — data shown is fictitious
Core capabilities
Entity resolution
Natural persons, legal entities, vessels and aircraft are resolved into a single subject record with aliases, dates of birth, registration numbers and known addresses.
Ownership and control
Ultimate beneficial ownership is traced through layered structures, with automatic application of aggregate ownership tests for indirect sanctions exposure.
Continuous monitoring
Onboarded subjects are re-screened whenever a source list changes, so a new designation surfaces as an alert rather than waiting for periodic review.
Risk scoring
Jurisdiction, sector, product, delivery channel and ownership factors combine into a weighted score that drives the required level of due diligence.
Audit trail
Every hit, discount, escalation and approval is recorded with user, timestamp, list version and written rationale, producing an examinable decision file.
International sources screened
Coverage is organised by publisher rather than by vendor feed, so that the provenance and version of every match can be evidenced independently.
UN Security Council Consolidated List
Sanctions and asset-freeze designations
OFAC SDN and Consolidated Non-SDN
United States designations and sectoral programmes
EU Consolidated Financial Sanctions
Restrictive measures across member states
UK OFSI Consolidated List
United Kingdom financial sanctions targets
National and regional regimes
Switzerland, Canada, Australia, Japan and others
PEP and RCA registries
Politically exposed persons, relatives and close associates
Regulatory and enforcement notices
Debarment, disqualification and warning lists
Adverse media corpus
Structured negative-news classification by risk typology
The screening lifecycle
01
Intake
Subject data is captured manually, by bulk upload or through the API, and normalised into a canonical record.
02
Screen
The record is matched against every enabled list, with each source version pinned for reproducibility.
03
Review
Alerts are triaged in a four-eyes queue; analysts confirm or discount matches with a mandatory rationale.
04
Decide
The case is cleared, escalated to enhanced due diligence, or refused, with the outcome bound to the risk score.
05
Monitor
Cleared subjects enter continuous monitoring; list changes reopen the case automatically.
06
Report
Case files, management information and regulator-facing extracts are produced on demand.
Controls by design
Reproducible screening
Each screening run is stamped with the exact version of every list used. A result obtained a year ago can be reproduced exactly as it stood on that date.
Segregation of duties
Analyst, reviewer and approver roles are distinct. No single user can raise, discount and close a high-risk alert alone.
Data minimisation
Only fields required for screening are retained, with configurable retention periods and jurisdiction-aware storage.
No silent overrides
Threshold changes, list deactivations and whitelist entries are themselves logged events requiring approval and rationale.
Questions
- Is CFoncier Checker available to third parties?
- Not yet. The platform is being built for our own compliance function first. Once it is proven internally, access will be extended to selected counterparties and partners.
- Does the system make compliance decisions?
- No. It surfaces, scores and evidences risk. Every discount, escalation and refusal is made by a named human reviewer and recorded as such.
- How often are the lists refreshed?
- Source lists are polled continuously and ingested as soon as a publisher issues an update, with the version recorded against every affected case.
- Can it integrate with existing onboarding systems?
- Yes. Screening is exposed as a documented API so that subject creation, re-screening and case status can be driven from an upstream onboarding or CRM system.
Register interest in CFoncier Checker
Institutions wishing to be considered for early access, or to discuss integration with an existing onboarding stack, are welcome to contact us. Our analytical platform is described on the CFoncier Analytics page.
CFoncier Checker is a proprietary system under development. Nothing on this page constitutes an offer of software, a warranty of regulatory compliance, or legal advice. Screening tools support, but do not replace, an institution's own obligations under applicable AML and CFT law.