Who is actually involved?
Client A is the buyer. Person B represents it. Company information and the representative’s authority concern different roles in the same deal.
Explore people and rolesAML/CFT platform · Slovakia and Czechia
Deals and payments
The amount is only part of the story.
Who is paying, for what, and how does it relate to the client? AMLUM is designed to connect a payment with the deal and its circumstances. This supports client review; it does not predict whether a partner will pay.
Illustrative story
Change perspective. See the context.
Client A is buying equipment for its premises. Person B represents it. Payment is planned in cash. Explore this illustrative deal from three perspectives.
In focus: the buyer and the person representing it.
In focus: equipment for the premises explains the business purpose.
In focus: the cash payment and its context.
One transactionThree perspectives
PeopleClient A · representative B
BusinessEquipment for the premises
PaymentPayment in cash
What is the business purpose?
The equipment is intended for the client’s premises. This purpose gives the payment business context; relevant evidence helps support that explanation.
Connect facts and evidenceWhat does the payment tell you?
The planned cash payment raises questions about source of funds and the required process, depending on the circumstances. It does not predict whether the client will pay.
How AML risk is assessedPeople, purpose and payment together show what to ask next in an AML review.
The transaction itself
A payment needs an explanation alongside it.
The same amount can involve a different purpose or participant. Where relevant, you also need to understand the source of funds and connection to the client.
AMLUM is designed to keep those circumstances with the deal. Information about funds does not establish creditworthiness or guarantee future payment.
In depthOne payment. More than one question.
Illustrative case
One payment. More than one question.
A cash transaction needs the client, purpose and circumstances alongside it. Specific obligations depend on the country, activity and transaction value.
Illustrative example
Illustration · Client A’s transaction and payment
Information for assessing the transaction
The example records the transaction’s purpose, parties and payment method. These are inputs for further assessment.
- Client
- Client A
The client being assessed
Known information - Transaction
- Purpose and parties recorded
Linked to the business relationship
Known information - Payment
- Cash payment
Value and circumstances inform the assessment
Known information - Supporting material
- A payment attachment is optional
The relevance and usability of the information matter
Context
What this means
The record gives the assessment its context; it does not determine the risk conclusion on its own.
The payment needs further explanation
The client and payment method are known, but the payment’s economic connection to the transaction has not yet been substantiated. That gap needs to stay visible.
- Client
- Client A
The client being assessed
Known information - Transaction
- Purpose and parties recorded
Linked to the business relationship
Known information - Payment
- Economic connection not substantiated
Further relevant explanation is needed
Missing information - Supporting material
- No attachment added
An optional file does not replace assessment of the facts
Context
What this means
The methodology and circumstances determine what information and action are needed. Missing information does not imply low risk.
Highlighted fields show what changed from the previous state.
A workflow illustration with no real client data, numerical score or legal verdict.
In depthYou know the client. What has changed since?
Ongoing review
You know the client. What has changed since?
A different representative may call for a fresh check. Compare the earlier position with the change to see what needs another look.
Illustrative example
Illustrative timeline · a change of authorised representative
What does the change mean for the case?
The example records a new person acting for the client. The original supporting material remains part of the history.
- Earlier position
- Documented business relationshipKnown information
- Change
- A different person acts for the clientKnown information
- Open question
- Is the new authority substantiated?Missing information
- Follow-up
- Identify the required verification and responsible personContext
What this means
New information prompts review; it does not automatically approve the change.
Keep the evidence and the reason for the next action
Supporting material is added for the change. An authorised person assesses whether it can be relied on and records its implications for the case.
- Earlier position
- Original supporting material in the historyKnown information
- Change
- New evidence of authority to actKnown information
- Open question
- Assess the scope and current validity of the authorityContext
- Follow-up
- Record the reason, responsible person and next actionContext
What this means
The history should explain what changed and how it was addressed.
Highlighted fields show what changed from the previous state.
This does not promise continuous database monitoring. Sources and how changes are obtained will be confirmed against verified scope.
What still matters when reviewing a payment
Does every payment require a file attachment?
In the described design, attaching a file to a payment is optional. The need to substantiate a particular fact depends on the case and applicable workflow. A file does not establish the truth of its contents, and uploading it does not imply automated reading or classification.
What if evidence or a source is unavailable?
Unavailability must remain distinct from a negative screening result. An authorised person needs to know what is missing and what the rules and circumstances require next. A condition requiring a particular action must not disappear into an aggregate assessment.
Start with a deal typical of your business.
Describe a type of deal or payment method. We will use a model to connect its participants, purpose and evidence without real client information.
Arrange an introduction