AML for insurance carriers & agencies
Onboard policyholders, agents, and brokers with documented due diligence. Screen beneficiaries and claimants, monitor premiums and payouts for unusual patterns, and build defensible case files — from life and annuity products to commercial lines.
Life, health, and property & casualty insurers, MGAs, agencies, and broker-dealers with AML programs — especially products with investment, cash-value, or high-value payout characteristics.
Complii is an AML operations layer — it does not replace policy administration, claims adjudication, or actuarial systems. Integrate via API with your core insurance platform.
Regulatory landscape
Typical obligations by jurisdiction and how Complii supports your program. Requirements vary — validate with your compliance counsel.
| Jurisdiction | Typical obligation | How Complii helps |
|---|---|---|
| United States | FinCEN/BSA and state DOI AML programs for covered insurance products | Risk-based CDD, screening, TM on premiums and payouts, case evidence |
| United States | OFAC sanctions on policyholders, beneficiaries, and payees | Sanctions/PEP screening with match review and rescreening |
| EU / UK | AMLD insurance sector — CDD, ongoing monitoring, PEP | Tiered KYC, adverse media, TM alerts, exportable audit trail |
| LATAM | Insurance supervisor AML rules and FIU reporting evidence | Screening, customer risk, cases with premium and claims context |
| Global | FATF insurance sector guidance — agents, brokers, and third-party payers | Agent/broker onboarding, UCID-linked parties, document validation |
Typical compliance workflow
Onboard
Capture policyholder, agent, and broker KYC with tiered document requirements by product line and risk tier.
Screen
Screen policyholders, beneficiaries, claimants, agents, and related parties against sanctions and PEP lists.
Monitor
Monitor premium payments, refunds, surrenders, and claims payouts for structuring, third-party payers, and velocity.
Investigate
Escalate unusual premium or claims activity to cases with evidence for compliance officer and regulator review.
Complii modules for this sector
Customers & onboarding
Policyholder, agent, and broker profiles with tiered KYC.
Identity verification
Remote ID and biometric capture for digital policy sales.
Screening & watchlists
Sanctions and PEP screening on parties and payees.
Risk & policy
Product- and customer-level risk scoring with methodology governance.
Transaction monitoring
Premium, refund, and claims payout scenarios with explainable alerts.
Corporate Intelligence
KYB for commercial policyholders, MGAs, and reinsurance counterparties.
Adverse media
Media monitoring on high-value policyholders and brokers.
Document intelligence
Application and policy document validation with requirement trees.
Cases & investigations
Claims and premium alert disposition with linked evidence.
Audit & compliance
Immutable audit trail for state exams and internal review.
Without integrated AML tooling
- Policy admin, screening, and claims review in disconnected systems
- Beneficiary changes screened manually or not at all
- Third-party premium payers missed until audit
- No unified view of agent, policyholder, and payout risk
With Complii
- One identity graph from policy sale through claims payout
- Automatic rescreening on beneficiary and payee changes
- TM flags third-party payers and unusual premium patterns in real time
- Cases link screening hits, transactions, and analyst disposition for exams
Ready to see Complii for your sector?
Build a quote with the modules your compliance program needs, or talk to our team about your regulatory context.