Cross-border and FX monitoring
Preserve original and settlement amounts, apply corridor and country context, and investigate risk across currencies, payment rails, fees, reversals, and refunds.
Read the guideRemllo WatchTower
Monitor financial activity, detect risk, and act in real time.
WatchTower helps banks, fintechs, payment platforms, and digital asset businesses monitor transactions, screen counterparties, investigate alerts, and preserve the evidence behind every decision.
Product overview
From transaction activity to documented resolution
Bring ingestion, monitoring controls, alert review, case evidence, and reporting preparation into one traceable workflow.
Monitor
Apply rules, screening, behavioural signals, and cross-border context.
Decide
Allow, review, block, or request a step-up check where supported.
Resolve
Investigations, decisions, and filing evidence stay connected.
Flexible deployment
Monitor alongside the flow or return decisions where supported.
Use live API ingestion for supported decisioning integrations, or monitor asynchronously through adapters and batch uploads.
Allow, review, block, or challenge responses for supported inline integrations
API, adapter, and CSV ingestion options
Rules and screening controls applied to each eligible event
Decision and rule history preserved for review
POST /transactions
decisionALLOW
POST /transactions
decisionCHALLENGE
next stepidentity verification
POST /transactions
decisionBLOCK
rulestructuring_suspected
WatchTower capabilities
One view from transaction signal to resolution.
Give risk teams the live activity, decision context, and case evidence they need without moving between disconnected tools.
Live monitoring
See transaction activity as it happens.
Stream events through the API, evaluate activity against rules and customer context, and return an allow, review, block, or challenge response where inline decisioning is supported.
Real-time decisions
Allow, review, block, or challenge
Customer context
Transactions and behaviour
Controls and decisions
Tune detection without guessing.
Start with built-in AML and fraud typologies, add your own rules, and dry-run changes before production.
Rule preview
High value + new device
Transaction amountAbove threshold
Device relationshipFirst seen
Customer risk scoreElevated
Recommended decisionREVIEW
Investigations and reporting
Carry the case through to evidence.
Assign alerts, track SLAs, document the decision, and prepare reporting from the same case record.
Case CASE-2048
Unusual transfer sequence
Evidence
12 records
Filing readiness
Ready
Built for complex money movement
More context for every risk decision
Apply the controls that fit your business, from local transfers to cross-border payments and digital asset activity.
Dynamic friction
Pause suspicious but recoverable transactions for a step-up check, then continue automatically or route the result to an analyst based on your policy.
Read the guideSanctions and wallet screening
Screen people, businesses, beneficiaries, and supported crypto wallet addresses against the official sources enabled for your organization.
Read the guideGoverned watchlist operations
Use versioned official sources, tenant-specific lists, allowlists, and rescreening workflows while keeping source evidence connected to each match.
Read the guideAdverse media private preview
Approved deployments can surface media findings from configured sources so analysts can verify the evidence and record a disposition.
Read the guideBehaviour and network evidence
Connect velocity, device, beneficiary, location, and relationship signals as analyst evidence. Network signals remain advisory until validated for an organization policy.
Read the guideTune monitoring controls without rebuilding the workflow
Start with built-in AML and fraud controls, add tenant-specific rules, and dry-run changes before activation.
Built-in AML and fraud controls
Tenant-specific monitoring rules
Dry-run before activation
Rule changes preserved in audit history
// Threshold Breach Rule
ifamount>1000000
// Velocity Rule
iftx_count>10in"1 hour"
Customer risk score78 / 100
password.reset09:41
device.changed09:43
beneficiary.added09:44
Transfer ₦2,400,000REVIEW
Customer intelligence
Review the customer context, not only the transaction
Connect transactions and behavioural events to one customer profile, so activity such as a password reset followed by a large transfer reads as one risk story.
Customer-level profiles and monitoring context
Transactions linked to customers, accounts, devices, and beneficiaries where provided
Behavioural events such as logins, device changes, profile updates, and new beneficiaries
Rules that combine transaction and behavioural signals
AI that assists the analyst, not replaces the decision
Use AI assistance where enabled while keeping controls, activation, and final investigation outcomes under team review.
01
Draft rules in plain language
Where enabled, describe the behaviour to monitor, review the drafted rule, and dry-run it before activation.
02
Behavioural context for review
Use baseline and event signals to prioritize review. These signals support analysts and do not autonomously block activity.
03
Governed activation
Dry-run control changes and preserve who changed what before a rule reaches production monitoring.
From transaction to operational resolution
1
Ingest
Send eligible events through the API, an adapter, or a batch upload.
2
Evaluate
Apply active rules and screening controls to the available event context.
3
Alert
Create alerts with the transactions and signals that triggered review.
4
Investigate
Assign cases, preserve evidence, and document the analyst decision.
5
Report
Export case evidence or prepare goAML-ready XML when required.
Regulatory reporting
From closed case to goAML-ready XML
Run readiness checks, generate XML from captured case evidence, and preserve filing versions and status. Your team remains responsible for final review and submission.
Readiness checks surface missing reporting fields
goAML XML generated from captured case evidence
Filing versions preserved with status tracking
Workflow support for goAML-style regulatory reporting
Case #2481 closedEvidence complete
Filing readiness check2 fields missing → captured
goAML XML generatedv3 preserved
Filing statusReady for review
Alerts
Investigating
Resolved
Built for high-stakes risk operations
Give analysts one place to review alerts, collaborate on cases, and preserve the final decision.
Assign cases to team members
Track status with Kanban-style workflows
Keep everything documented in one place
Controls your security team can verify
In compliance software, trust is specifics, not adjectives.
Sensitive fields protected
Selected sensitive customer fields use authenticated encryption at rest, with access restricted by service and operator permissions.
Reviewable audit history
Rule changes, case actions, and decisions are preserved in the audit history.
Role-based access
Analysts, reviewers, and admins each see and do only what their role allows.
Hardened API access
Machine-to-machine ingestion uses hashed API keys with optional IP allowlisting.
Customer fit
Where WatchTower fits
Built for financial businesses that need to understand money movement before and after a transaction is completed.
Banks and microfinance institutions
Monitor account and transfer activity while keeping AML investigations and reporting evidence connected.
Typical fit
- Account and transfer monitoring
- AML case operations
- goAML-ready evidence
Fintechs, payments, and mobile money
Apply monitoring and fraud controls to high-volume payment activity, with inline responses where supported.
Typical fit
- Real-time risk decisions
- Customer-level signals
- Fraud and AML controls
Lenders and digital credit providers
Monitor disbursements, repayments, and borrower activity for abuse and account takeover signals.
Typical fit
- Disbursement monitoring
- Behavioural risk signals
- Investigation workflows
Cross-border payments and remittance
Monitor currencies, corridors, beneficiaries, payment purposes, sanctions exposure, reversals, and settlement activity.
Typical fit
- Multi-currency and FX context
- Corridor and sanctions controls
- Step-up verification
Digital asset and wallet platforms
Connect fiat and crypto activity while screening supported wallet addresses and investigating high-risk transfers.
Typical fit
- Wallet address screening
- On-ramp and off-ramp monitoring
- Case evidence
Core banking and payment infrastructure
Give the institutions on your platform isolated monitoring, decisioning, and investigation workflows through one integration model.
Typical fit
- Tenant isolation
- Inline or monitored deployment
- Signed callbacks and reconciliation
Bring monitoring, investigations, and reporting into one workflow
See how WatchTower can fit your ingestion model, monitoring controls, case operations, and reporting process.
WatchTower works alongside Remllo Compliance and Remllo Identity, connecting transaction monitoring, AML monitoring, regulatory compliance, and identity verification in one ecosystem.
Related solutions: Transaction Monitoring, AML Transaction Monitoring, Transaction Monitoring, Fraud Detection.
Product FAQ
Common questions about Remllo WatchTower
Understand how WatchTower fits into transaction monitoring, AML investigations, fraud controls, and regulatory reporting workflows.
Remllo WatchTower gives banks, fintechs, lenders, payment companies, and other transaction-led financial institutions infrastructure for real-time transaction monitoring, AML review workflows, fraud detection, and alert investigation.
Yes. WatchTower is designed to handle anti-money laundering monitoring and fraud detection in the same risk operations environment so teams can investigate with shared context.
Yes. WatchTower supports real-time event ingestion and alerting. For supported inline integrations, a response can inform an allow, review, block, or challenge decision. Other deployments can monitor activity alongside the transaction flow.
It combines rules, behavioural context, and workflow automation, with AI-assisted rule drafting where enabled. Analysts remain responsible for reviewing controls and investigation outcomes.