> ## Documentation Index
> Fetch the complete documentation index at: https://docs.rc.cleverhub.co/llms.txt
> Use this file to discover all available pages before exploring further.

# Anti-Money Laundering (AML) & Counter-Terrorism Financing (CTF)

> How Hello Clever detects and prevents money laundering and terrorism financing through real-time monitoring, our Flagright partnership, and regulatory reporting.

Hello Clever is committed to a secure, compliant platform that protects against money laundering, terrorism financing, and other financial crimes. Our **Anti-Money Laundering (AML)** and **Counter-Terrorism Financing (CTF)** measures ensure every transaction adheres to local and international regulatory standards. Combining advanced technology, monitoring tools, and a partnership with **Flagright**, we take a proactive approach to detecting and preventing suspicious activity.

<Note>
  Our AML/CTF framework is multi-layered, combining rule-based and machine learning models with comprehensive KYC checks and rigorous risk-assessment policies so only verified individuals and businesses can transact.
</Note>

***

## Our commitment

<CardGroup cols={2}>
  <Card title="Monitoring and detection" icon="magnifying-glass-chart">
    We continuously monitor transactions for suspicious activity, with technology that detects high-risk transactions in real time.
  </Card>

  <Card title="User verification" icon="id-card">
    Comprehensive Know Your Customer (KYC) checks ensure only verified individuals and businesses can transact on the platform.
  </Card>

  <Card title="Risk assessment and policies" icon="clipboard-check">
    Rigorous risk-assessment policies and protocols mean we take appropriate action whenever unusual patterns are detected.
  </Card>
</CardGroup>

***

## How we monitor transactions

Hello Clever monitors every transaction in real time, applying advanced algorithms and compliance rules to detect patterns associated with money laundering or terrorism financing.

<CardGroup cols={2}>
  <Card title="Rule-based detection" icon="filter">
    Pre-defined rules automatically flag high-risk criteria, such as large transfers, unusual patterns, or interactions with high-risk geolocations.
  </Card>

  <Card title="Machine learning detection" icon="brain-circuit">
    Machine learning identifies subtle, evolving patterns that traditional rule-based systems may miss.
  </Card>

  <Card title="Automated alerts" icon="bell">
    Suspicious transactions generate automated alerts, reviewed by our compliance team for investigation and potential escalation.
  </Card>
</CardGroup>

### Enhanced security with Flagright

We partner with [Flagright](https://flagright.com), a leader in AML compliance and transaction monitoring, whose tools integrate seamlessly with our platform.

<CardGroup cols={2}>
  <Card title="Sophisticated pattern recognition" icon="chart-network">
    Flagright helps identify complex patterns, spotting emerging and sophisticated schemes beyond basic detection.
  </Card>

  <Card title="Real-time threat intelligence" icon="shield-halved">
    Up-to-date intelligence on financial crime trends keeps us proactive in adjusting monitoring rules.
  </Card>

  <Card title="Customisable AML rules" icon="sliders">
    We create and modify AML rules based on current threat intelligence for a flexible, adaptable approach to compliance.
  </Card>
</CardGroup>

***

## Reporting and compliance actions

Hello Clever takes immediate, responsible action whenever suspicious activity is identified, in line with regulatory requirements.

<CardGroup cols={2}>
  <Card title="Escalation and investigation" icon="magnifying-glass">
    Unusual activity triggers a thorough investigation, and anything potentially linked to financial crime is flagged and escalated internally.
  </Card>

  <Card title="Suspicious Matter Reports" icon="file-shield">
    When activity meets regulatory criteria, we file Suspicious Matter Reports (SMRs) with AUSTRAC, Australia’s financial intelligence authority, and cooperate fully with any subsequent investigation.
  </Card>

  <Card title="Regular compliance audits" icon="clipboard-check">
    Regular internal and third-party audits assess our systems and practices against global and regional regulations.
  </Card>
</CardGroup>

<Warning>
  Hello Clever is required by law to report suspicious activity to regulators without disclosing that a report has been made. If your account is under review, you may not receive any notification while that review is ongoing.
</Warning>

<Tip>
  Strong AML/CTF practices protect user accounts from association with suspicious activity, build trust that transactions are safe and legitimate, and mitigate financial crime risks across the platform.
</Tip>

***

## Learn more

For more about our AML/CTF practices or to discuss specific compliance concerns, reach out to our support team. We’re here to keep Hello Clever a secure and compliant environment for all users.


## Related topics

- [Hello Clever Platform Overview](/platform-overview/overview.md)
- [Clever Connect vs. a Standard Account](/platform-overview/clever-concepts/clever-connect-vs-standard.md)
- [Settlement Service: Flexible Fund Access](/services/settlement.md)