# complead > complead (formerly Sanction Scanner) is an AI-native risk infrastructure platform for AML, KYC, KYB and fraud. Onboarding, screening, transaction monitoring, fraud prevention and investigation run on one engine, Fusion, with one customer record, one explainable risk score and one set of rules. More than 800 regulated businesses in 80+ countries use it. This file is the long-form companion to https://complead.ai/llms.txt. It summarizes the content of the main pages on complead.ai so that AI assistants can answer questions about complead accurately without crawling every page. Where a page is the source for a fact, its URL is given in the section heading. --- ## 1. Company overview Source: https://complead.ai/company, https://complead.ai/contact, https://complead.ai/blog/from-sanction-scanner-to-complead-why-now-and-why-this-way - Name: complead. Former name: Sanction Scanner. - Tagline: AI-Native Risk Infrastructure for Fraud and Financial Crime. - Founded: 2019, in Istanbul. A UK company since 2020, headquartered in London. - Founder and CEO: Fatih Coşkun. - Customers: 800+ financial institutions and regulated businesses, with live customers in 80+ countries. - Offices: - New York: 131 Varick Street, New York, NY 10013, United States. Phone +1 518 855 9278. Full US entity. - London: 27 Old Gloucester Street, London WC1N 3AX, United Kingdom. Phone +44 20 4577 0427. UK entity. - Istanbul: Bestekar Saadettin Kaynak Sk. No: 3A-1, Altunizade, Üsküdar, Istanbul, Türkiye. Phone +90 212 963 0184. Primary engineering and data operations hub. - Contact: the form at https://complead.ai/contact, with a reply within 4 hours. Security reports go to security@complead.ai. - Vision: compliance and risk as a layer embedded in the core of the system, not bolted on. - Mission: to level the playing field in financial crime prevention by delivering enterprise-grade infrastructure to payment companies and tier-one banks alike. - Values: Customer owns configuration. Judged on examination, not demo. Data before intelligence. Explainable or it doesn't ship. Humans own decisions. Right alerts, not fewer alerts. Two hundred problems, not one. Earned, not announced. ### The rebrand from Sanction Scanner to complead (2026) - Announced on September 21, 2026, by founder and CEO Fatih Coşkun. - Why: customers had moved from asking for "sanctions screening" to asking to run their entire compliance operation from one place. The old name described one product and had become narrower than the company. - What stays the same: Sanction Scanner continues as the screening product inside complead at sanctionscanner.com. There is no disruption, no migration and no contract change for existing customers. - Customer login stays at https://appv2.sanctionscanner.com/. - Primary domain: complead.ai. ### Key numbers - 800+ customers in 80+ countries - 3,500+ sanctions, PEP and watchlist sources - 220+ countries and jurisdictions covered - 15-minute list refresh interval - 30+ languages for adverse media - 1,500+ fraud and monitoring rules - Under 70 ms API response time - 99.999% uptime (five nines SLA) - 40+ ready integrations - 77% of alerts auto-cleared by AI agents - 5x faster rule management ### Recognition - G2 Summer 2026: GRC Leader, AML Overall Leader, AML Momentum Leader, Best GRC Products. - Ratings: 5.0 on Gartner Peer Insights, 5.0 on Capterra, 4.8 on G2. - Deloitte Technology Fast 500 EMEA: 2023 and 2024 (2024: ranked 486th with 363% growth). - Deloitte Technology Fast 50 Türkiye: 2022 (8th), 2023 (8th), 2024. - Inc. Türkiye 100 fastest-growing companies: 2024 and 2025. - TOBB Türkiye 100 fastest-growing companies: 2025. - RegTech100: 2023. - Finnovating Award, Top RegTech: 2022. - StartUs Insights Top Post-COVID Fintech: 2021. --- ## 2. Fusion platform Source: https://complead.ai/platform Fusion is one AI-native risk and fraud engine. It gives each customer one record, one risk score and one set of rules across screening, KYB, transaction monitoring and fraud, so a signal found in one module informs the others. It runs as cloud SaaS alongside existing systems (no rip-and-replace), with a REST API and webhooks. Platform capabilities: - AI Copilot (https://complead.ai/platform/ai-copilot): Summarizes a case, answers questions about it in plain language and suggests what to do next. Analysts make the decision. - Workflow Orchestration (https://complead.ai/platform/workflow-orchestration): Build and branch checks in a visual editor. Compliance owns the policy instead of filing an engineering ticket every time it changes. Automates triage, assignment and the clearing of benign patterns. - Risk Scoring (https://complead.ai/platform/risk-scoring): Weighted scoring across four dimensions (country, product, channel and behavior). When someone asks why a customer scored 82, the answer is on the screen. Every parameter change is versioned. - Rules Engine (https://complead.ai/platform/rules-engine): Build, test and ship detection rules yourself and replay them against real history before they go live, so a new scenario does not wait for a release cycle. - Connections Graph (https://complead.ai/platform/connections-graph): Shows how customers, businesses, owners, directors and transactions connect, with path detection up to six hops. - Consortium KB (https://complead.ai/platform/consortium): See what other institutions already learned about a name or pattern without exposing any customer identities. - Regulatory Filings (https://complead.ai/platform/regulatory-filings): Prepare, review and file SAR/STR reports from the same place you investigate, with native goAML XML output, no re-keying from the case and every submission logged and retained. - Data Coverage (https://complead.ai/platform/data-coverage): See section 6. - Integrations (https://complead.ai/integrations): See section 7. --- ## 3. Agentic AI Source: https://complead.ai/platform Agents work the queue alongside analysts: they open the alert, pull the evidence together and draft the filing, and every step is recorded for audit. Humans approve decisions (maker-checker). - Agentic AML-Risk Ops (https://complead.ai/platform/agentic-aml-risk-ops): An agent reads every screening and monitoring alert, decides whether it is a false positive, a true match or one for a human, and then acts according to the rules you set. Rules use 43 condition fields, 11 operators and 13 actions. - Agentic SAR Filings (https://complead.ai/platform/agentic-sar-filings): The filing is assembled from the case trail rather than retyped from it. The agent drafts, a human signs, and the evidence pack comes with it. - Agentic Fraud Ops (https://complead.ai/platform/agentic-fraud-ops): Transaction alerts are scored, branched and routed by rules you draw yourself, using amount, channel, direction, country and customer risk as fields. - Nova AI (https://complead.ai/platform/nova-ai): An assistant that reviews screening profiles, monitoring rules, customer risk scores and monitoring schedules, then proposes changes with the supporting records, a confidence score and the expected false-positive impact. It accepts plain-language requests, works only on the customer's own data, and every suggestion opens as a draft that the team approves, rejects or defers. Rejections feed back so the same proposal is not repeated. --- ## 4. Products: AML-Risk ### Client Screening & Ongoing Monitoring https://complead.ai/products/client-screening-and-ongoing-monitoring Real-time sanctions, PEP and watchlist checks at onboarding, plus ongoing monitoring with one explainable risk score. Covers 3,500+ sources in 220+ countries, refreshed every 15 minutes. ### Customer Risk Assessment & KYC https://complead.ai/products/customer-risk-assessment-and-kyc Customer risk assessment with KYC forms, weightings you define and ongoing re-scoring. Every rating shows the factors behind it (for example geography, product, PEP status, channel and source of funds). 500+ ready customer scoring templates. ### Adverse Media Screening & Monitoring https://complead.ai/products/adverse-media-screening-and-monitoring Adverse media screening across news, social media and local-language sources, with relevance rules you define. Hits are categorized by predicate offense rather than sentiment, and every hit carries its source, category and evidence. 30+ languages, 300,000+ articles crawled daily, 190+ countries. ### KYB & UBO Verification https://complead.ai/products/kyb-ubo-verification Business verification that resolves ownership up and down the chain, aggregates sanctioned holdings across layers and surfaces entities that are blocked without ever appearing on a list. Company checks in 160+ countries; corporate onboarding reduced from 4 hours to 12 minutes; owner screening refreshed every 15 minutes. ### Transaction Monitoring https://complead.ai/products/transaction-monitoring A scenario library, rules you write yourself with AI, and backtesting on your own transaction history so you see what a rule would have caught before you publish it. An e-money customer cut alert volume by 52% and raised confirmed cases by 30%. 40 ms p95 latency. ### Payment Screening https://complead.ai/products/payment-screening Automated sender and receiver screening via API against sanctions, watchlists and PEP data, inside the payment flow. Supports SWIFT and ISO 20022 messages, with a sub-second decision (62 ms median). --- ## 5. Products: Fraud ### Real-Time Fraud Prevention https://complead.ai/products/fraud Real-time fraud prevention across payments, accounts and merchants. Approve, decline, review or step up within the payment window, on detection logic shared across institutions. 40 ms p95 latency. ### Device Fraud & Behavior Analysis https://complead.ai/products/fraud/device-fraud-and-behaviour-analysis Device fingerprinting and behavioral biometrics on every session from complead's own SDK. Catches account takeover and coached payments while the session is still open, even when the password is correct, with no friction for real users. A neobank customer cut takeover losses by 68%. ### Payment Fraud https://complead.ai/products/fraud/payment-fraud Authorization-stage fraud decisions that show the cost of a decline on the same screen as the fraud it prevented. Covers card testing, enumeration and dispute evidence. Reported results: approval rate up 2.1 points and fraud losses down 18%. ### Merchant Monitoring https://complead.ai/products/fraud/merchant-monitoring Watches every merchant in a portfolio for fraud, transaction laundering and prohibited activity after onboarding, so a merchant that turns bad is caught before the losses build up. ### Bank Transactions https://complead.ai/products/fraud/bank-transactions Scores account-to-account transfers for fraud in real time, including authorized push payment (APP) scams, so a customer sending money to a fraudster is warned before the transfer completes. --- ## 6. Data Source: https://complead.ai/platform/data-coverage - 3,500+ sanctions, PEP and watchlist sources, 220+ countries, 15-minute refresh interval. - Sanctions regimes: OFAC (including SDN), EU, UN, UK HM Treasury (OFSI) and 40+ national lists. - PEP data in four tiers: domestic, foreign, international organization, and relatives and close associates (RCA). - Adverse media in 30+ languages, categorized by predicate offense. - Internal and custom lists supported. - Every pull gets a dated version identifier; changes are tracked as deltas so only real differences trigger alerts; all snapshots are retained for historical audit. - Every match keeps the list name, version date and source text. Original-language text is kept alongside translations. Data products: - Global Sanctions & Watchlists Data (https://complead.ai/products/data/global-sanctions-and-watchlists-data): One consolidated sanctions dataset, deduplicated, structured and updated continuously. - PEP Database (https://complead.ai/products/data/pep-database): Structured politically exposed persons data with role classification, RCA links and country coverage. - 3rd Party Data Providers (https://complead.ai/products/data/3rd-party-data-providers): How data is collected from primary sources, versioned on every pull and matched with the original text intact. Customers can bring their own providers (for example LexisNexis, Dow Jones, LSEG Refinitiv, Moody's) into the same decision. --- ## 7. Integrations and API Source: https://complead.ai/integrations complead plugs into core banking, CRM and case management tools. Where there is no connector, the API covers it. 40+ ready integrations, a single REST API covering screening, monitoring, cases and data, and webhooks for event-driven delivery of risk alerts and decisions. - Core banking: Fimple, Temenos, Finastra, Mambu, Thought Machine, Oracle FLEXCUBE, Intertech. - Data warehouse and ingestion: Snowflake, Google BigQuery, Databricks, Amazon S3, Apache Kafka, PostgreSQL, SQL Server. - KYC and identity: Sumsub, Veriff, Onfido, Persona, Socure, Jumio, iDenfy. - Workflow and communications: Microsoft Dynamics 365, Zendesk, Slack, Microsoft Teams, Jira. - Data and watchlists: LexisNexis, Dow Jones, LSEG Refinitiv, Moody's. - CRM and business systems: HubSpot, Salesforce, SAP. --- ## 8. Security, privacy and trust Source: https://complead.ai/trust, https://complead.ai/trust/data-protection - Certifications: ISO/IEC 27001 (information security, annual surveillance audits) and ISO 9001 (quality management). - GDPR: compliant; DPA available with standard contractual clauses (SCCs). - EU AI Act: classification documented. - Data residency: customers choose EU, UK or Türkiye. Data does not leave the selected region, for processing or for backup. - Encryption: TLS 1.2 and above in transit, AES-256 at rest, keys held in a dedicated key service and rotated on a fixed schedule. - Testing: annual third-party penetration tests; custom customer penetration tests against a dedicated environment; static analysis and dependency scanning in the pipeline. - Availability: 99.999% uptime (five nines SLA); recovery time objective 4 hours; recovery point objective 1 hour. A public status page keeps the full incident history. - Subprocessors: named register in the DPA; 30 days' notice before a new subprocessor is activated. - NDA documents are shared within 1 business day after a mutual NDA is signed. - Vulnerability disclosure: security@complead.ai. A person replies within 1 business day and stays on the thread until the finding is closed. --- ## 9. Solutions by industry - Banking & Neobanks (https://complead.ai/solutions/banking): Screen customers, monitor transactions and manage cases on one platform. New designations reach the queue within 15 minutes. - Payments & E-Money (https://complead.ai/solutions/payments): Real-time payment and counterparty screening with sub-second decisions that do not hold up settlement, built for instant rails. - Fintechs (https://complead.ai/solutions/fintech): Fast, risk-based onboarding and monitoring for fintechs that need to scale without adding risk. - Crypto & Digital Assets (https://complead.ai/solutions/crypto): Wallet screening across 30+ chains, on-chain monitoring and Travel Rule compliance. - Insurance (https://complead.ai/solutions/insurance): Screening, risk rating and fraud detection covering policyholders, beneficiaries and claims in one workflow. - Investment & Wealth (https://complead.ai/solutions/investment-wealth): Onboarding, screening and monitoring for investment, wealth and asset managers, including complex ownership and source-of-wealth checks. Periodic review effort down 48%. - Lending & Leasing (https://complead.ai/solutions/lending-leasing): Onboarding checks, ownership verification and ongoing monitoring inside the credit decision, with guarantors in scope. - iGaming & Gambling (https://complead.ai/solutions/igaming): Player due diligence, affordability checks and AML monitoring for licensed gaming operators, with rescreening of active players every 15 minutes. ## 10. Solutions by use case - Customer Onboarding, KYC and CDD (https://complead.ai/solutions/customer-onboarding): Verify identity, screen against sanctions and PEP lists and risk-rate customers at onboarding in one call. - Ongoing Monitoring & Rescreening (https://complead.ai/solutions/ongoing-monitoring): Keep customers screened after onboarding with continuous rescreening and alerts routed straight into the case workflow. A telecom customer cut manual review hours by 72% and integrated in one day. - Fraud & AML, FRAML (https://complead.ai/solutions/framl): Fraud and AML on one platform and one set of signals, so a pattern caught by fraud strengthens the AML case. Duplicated investigations down 44%. - Perpetual KYB & KYC (https://complead.ai/solutions/perpetual-kyb-kyc): Customer and business records kept current continuously rather than at fixed review dates. - Regulatory Compliance & Reporting (https://complead.ai/solutions/regulatory-compliance): Reporting and record-keeping across jurisdictions, with the audit trail and evidence already assembled when the regulator asks. ## 11. Solutions by role - Compliance Officers and MLROs (https://complead.ai/solutions/compliance-officers): Policy you control, evidence you can produce and reporting that stands up to review. - FinCrime Analysts (https://complead.ai/solutions/fincrime-analysts): One case view, evidence already gathered and fewer false positives. Alerts after resolution down 66%. - Founders & Product Teams (https://complead.ai/solutions/founders): An API, sensible defaults and a path to a compliance program that scales. First live call in 15 minutes, one endpoint. --- ## 12. Customer stories Source: https://complead.ai/case-studies - Moldcell (https://complead.ai/case-studies/moldcell): Moldova's leading telecom, serving 1.5M active users, consolidated five tools into one and screens around 100,000 transactions. - AirHelp (https://complead.ai/case-studies/air-help): The global leader in flight compensation, active in 35+ countries with 2.2M+ passengers paid. 62% less daily operations time and 150 ms screening. - DLL (https://complead.ai/case-studies/dll): A global vendor finance and leasing company and a Rabobank subsidiary. - TPay (https://complead.ai/case-studies/tpay): Payguru, Türkiye's first licensed mobile payment provider, acquired by TPAY MOBILE in 2020. Merchant screening in seconds across Türkiye and MEA. - BPN (https://complead.ai/case-studies/bpn): A remittance provider that moved customer onboarding onto complead so reviewers focus on real risk instead of false positives. - Moka United (https://complead.ai/case-studies/moka-united): A fintech-as-a-service platform running AML screening and transaction monitoring through the API, with case management and safelists in one place. - Ateshgah Life (https://complead.ai/case-studies/ateshgah): Azerbaijan's first life insurance company (Baku, 1998), screening its customers with 24/7 monitoring. - Quick Finans (https://complead.ai/case-studies/quick-finans): A Maher Holding company that offers credit at the point of sale, with 300 ms scans. Other brands shown on the site include NN Group, BMW, APMEX, Unity, Candex, Generali, Hometap, Loomis, MultiBank Group, Stellantis, UNOPS, Voodoo and Zurich. --- ## 13. How complead compares Source: https://complead.ai/compare - vs ComplyAdvantage (https://complead.ai/compare/complead-vs-complyadvantage): One shared entity graph in production for years, compared with a unified platform launched recently. - vs Dow Jones Risk & Compliance (https://complead.ai/compare/complead-vs-dow-jones-risk-compliance): An AI-native AML platform compared with a licensed compliance data business. - vs Refinitiv World-Check, LSEG (https://complead.ai/compare/complead-vs-refinitiv-world-check-lseg): A unified platform compared with a long-established screening database that clients embed themselves. - vs Flagright (https://complead.ai/compare/complead-vs-flagright): Own screening database and years in production with 800+ clients, compared with a younger vendor relying on public watchlists. - vs AML Watcher (https://complead.ai/compare/complead-vs-aml-watcher): Connected screening, monitoring, fraud and risk, compared with a low-cost, screening-only product. - vs Napier AI (https://complead.ai/compare/complead-vs-napier-ai): One AI engine plus its own data, compared with a monitoring and case management core that relies on third-party data. Alternatives guides (https://complead.ai/alternatives) cover ComplyAdvantage, World-Check, Dow Jones Risk & Compliance, LexisNexis Risk Solutions, Sumsub, SEON, Flagright, Napier AI, AML Watcher and ComplyCube. --- ## 14. Free tools Source: https://complead.ai/free-tools. No account required. - Free Sanctions Check (https://complead.ai/free-tools/free-sanctions-check): Screen any name against OFAC SDN, UK HM Treasury and global consolidated sanctions lists and get a PDF report by email. - Free PEP Check (https://complead.ai/free-tools/free-pep-check): Check politically exposed person status. - Free Adverse Media Check (https://complead.ai/free-tools/free-adverse-media-check): Search negative news coverage on a person or company. - Free Crypto Wallet Risk Check (https://complead.ai/free-tools/free-crypto-wallet-risk-check): Screen a wallet address (for example BTC or ETH) against OFAC, UN and EU sanctions and ransomware threat intelligence. - Free SWIFT/BIC Checker (https://complead.ai/free-tools/free-swift-bic-checker): Verify a SWIFT or BIC code. - AML Country Risk Index (https://complead.ai/free-tools/aml-country-risk-index): A single 0-100 financial crime risk score for 200+ countries, built from FATF status, the Basel AML Index and sanctions intensity. - Sanctions Risk Calculator (https://complead.ai/free-tools/sanctions-risk-calculator): 15 questions in about 3 minutes return a calibrated risk score, the watchlists you must screen against (from 60+) and your compliance gaps. --- ## 15. Learning resources - Blog (https://complead.ai/blog): Product news, regulatory updates and best practice. Categories: KYC & Customer Onboarding, PEP & RCA, Transaction Monitoring, Fraud Prevention, Company Updates. - AML Guide (https://complead.ai/aml-guide): Jurisdiction guides by regulator, including Germany (BaFin), France (ACPR), Spain (SEPBLAC), the Netherlands (DNB), Ireland (CBI), Türkiye (MASAK), Portugal (Banco de Portugal), the UK (FCA), Jersey (JFSC), the UAE (CBUAE), Saudi Arabia (SAMA), Nigeria (CBN), the US (FinCEN/OFAC), Canada (FINTRAC), Brazil (BCB), Singapore (MAS), Australia (AUSTRAC), Japan (FSA) and Hong Kong (HKMA). - Knowledge Base & Glossary (https://complead.ai/knowledge-base): Answers and how-tos on compliance terms and workflows. - Academy (https://complead.ai/academy): Free training, no account required, lessons under 10 minutes, written by compliance analysts and reviewed by MLROs. Tracks: Sanctions and PEP Screening (6 lessons), KYC and KYB Onboarding (7), Transaction Monitoring (8), Cases and Reporting (5). - Video Library (https://complead.ai/resources/videos): Short explainers on AML, KYC and sanctions screening, plus customer stories. - Reports (https://complead.ai/resources/reports): Original annual research on financial crime and compliance, published every year since 2020. Latest: the 2025-2026 Financial Crime & Compliance Report. - Whitepapers (https://complead.ai/resources/whitepapers): One paper per jurisdiction (19 jurisdictions across Europe, Türkiye, the Americas, the Middle East and Africa, and Asia-Pacific) plus sector papers on banking, fintech and insurance. - Webinars & Events (https://complead.ai/events): Live and on-demand webinars on AML, KYC and financial crime compliance. - Newsletter (https://complead.ai/resources/newsletter): One email every Thursday with the list changes that matter and one analysis piece. Featured guides: - PEP Screening: A Practical Guide for Compliance Teams (https://complead.ai/blog/pep-screening): Who counts as a PEP, how to tier risk, when EDD applies, when PEP status ends and how UK, EU and US rules compare. - AML Transaction Monitoring: A Practical Guide (https://complead.ai/blog/aml-transaction-monitoring): From data and rules to alerts and SAR filing, plus scenario design, threshold tuning and model governance. - Fraud Detection and Prevention for Financial Institutions (https://complead.ai/blog/fraud-detection-and-prevention): Detection layers, fraud types, monitoring rules, FRAML convergence and the metrics that matter. - KYC Requirements by Country: 15 Markets Compared (https://complead.ai/blog/kyc-requirements-by-country): Regulators, national ID rails, beneficial ownership thresholds, eKYC acceptance and data localization. - What Is an AML Compliance Officer? (https://complead.ai/knowledge-base/aml-compliance-officer): The role, selection criteria and expectations under EBA guidelines and the EU AML Regulation. - What Is Transaction Laundering? (https://complead.ai/knowledge-base/transaction-laundering): How illegal sales hide behind an approved merchant account, red flags, detection and prevention. --- ## 16. Partners and careers - Partner program (https://complead.ai/partners): Embed financial crime detection in what you already sell. Four partner models (integrated reseller, referrer, co-sell, consulting and systems integrator, including marketplace), three tiers, one engine and one API. Commercial terms are published on the page. Sandbox access in 1 business day; median 2 weeks to first live integration. - Careers (https://complead.ai/careers): Open roles at complead. - Request a demo (https://complead.ai/request-demo). --- ## 17. Frequently asked questions Is complead the same company as Sanction Scanner? Yes. Sanction Scanner rebranded as complead in September 2026. Sanction Scanner continues as the screening product inside complead, and existing customers keep their contracts and access with no migration. What does complead do? complead is an AI-native platform for AML, KYC, KYB and fraud. It covers sanctions, PEP and adverse media screening, customer risk assessment, business and UBO verification, transaction monitoring, payment screening, real-time fraud prevention, case management and regulatory filings on one engine. Who uses complead? 800+ banks, neobanks, payment and e-money firms, fintechs, crypto businesses, insurers, investment and wealth managers, lenders and leasing firms, and iGaming operators in 80+ countries. Which sanctions lists does complead cover? 3,500+ sanctions, PEP and watchlist sources across 220+ countries, including OFAC SDN, EU, UN, UK HM Treasury (OFSI) and 40+ national lists, refreshed every 15 minutes. Is complead's AI explainable? Yes. Every risk score shows the factors behind it, every agent step is logged for audit, and humans approve decisions. Nova AI proposals come with evidence, a confidence score and the expected false-positive impact. Where is customer data stored? Customers choose EU, UK or Türkiye data residency, and data does not leave the selected region for processing or backup. Does complead integrate with existing systems? Yes. 40+ ready integrations across core banking, data warehouses, KYC and identity vendors, data providers, CRM and workflow tools, plus a REST API and webhooks. It runs alongside existing systems without rip-and-replace. Can I try complead for free? The free tools at https://complead.ai/free-tools (sanctions, PEP, adverse media and crypto wallet checks, SWIFT/BIC checker, country risk index and risk calculator) need no account. For the full platform, request a demo at https://complead.ai/request-demo.