AML, fraud and sanctions in one platform
Fewer false positives.SARs drafted in minutes.
Noctula checks every payment for fraud, money laundering and sanctions risk, shows your analysts exactly why it was flagged, and drafts the report for them to approve.
Instant payment, new beneficiary
4,850.00 EUR
- Beneficiary received from 11 unrelated senders in 48 hours+18
- Funds forwarded abroad within 20 minutes+16
- Remote access tool active during the session+14
- Same device used by 2 other customers+12
Five AI analysts, one human decision
Each case is prepared by specialist analysts
Fraud Analyst
Is this the real customer?
Sanctions Analyst
Is anyone involved sanctioned?
AML Analyst
Where is the money really going?
KYC Analyst
Is the customer who they say they are?
SAR Filing Analyst
What do we tell the regulator?
Why this payment was stopped, on one screen
Sample case, fictional data
Instant payment of 4,850 EUR to a new beneficiary
Risk score
87 / 100
Signals that raised the score
Points added to the 0 to 100 score
- Device 26
- Session 15
- 1st hop 30
- 2nd hop 16
- Total 87
The analyst workspace
Investigate, connect and report in one place
Payments waiting for a decision, riskiest first
Sample dataSample Freight Co. B, International wire, 410,000 EUR
Counterparty is indirectly owned by a sanctioned company
96 / 100BlockSample Payments Co. C, Instant transfer, 92,400 EUR
Many small transfers in 15 minutes, just under reporting limits
78 / 100Needs reviewSample Retail Co. D, Domestic transfer, 4,150 EUR
Matches the customer's usual behaviour
8 / 100Cleared
Noctula vs. legacy AML and point fraud tools
| What your team needs | Noctula | Point fraud toolse.g. SEON, Featurespace | AML suitese.g. Napier |
|---|---|---|---|
| Fraud, AML and sanctions in one case | One case, one score, one audit trail | Fraud first; AML case work often lives elsewhere | AML first; real-time fraud signals come from another tool |
| Device and session telemetry in AML investigations | Feeds the same network graph as payments | Strong signals, used mainly for fraud decisions | Usually not collected |
| 1st and 2nd hop mule network in the case view | Built into every alert | Varies by product | Varies by product |
| AI agents that draft the SAR narrative | Five specialist agents, human sign-off on every filing | Not the focus | Varies; check what is drafted versus summarised |
| Personal data redacted before any AI model reads it | Just-in-time, in memory | Ask the vendor | Ask the vendor |
| goAML and MASAK XML filing drafts | Schema-validated drafts for MLRO approval | Not the focus | goAML common; MASAK less so |
| Private cloud or dedicated VPC deployment | Standard option | Mostly shared SaaS | Commonly offered |
Other columns describe the typical approach of each tool category, based on public product information as of October 2026. Packages differ by vendor and contract, so confirm details with each vendor. SEON, Featurespace and Napier are trademarks of their respective owners; Noctula is not affiliated with them.
Trust and governance
Safe to try, ready for your regulator
Try it next to your current system
Run Noctula on past or live transactions alongside the controls you already have. Payments are not affected while you compare results.
Built for regulatory examination
Rules, typologies and investigation steps follow EU AMLR and AMLD6, UK FCA, MASAK and goAML standards, so every decision can be explained to an examiner.
See compliance coverageYour data stays yours
- Runs in a single-tenant cloud or your own network
- Encrypted at rest and in transit
- Hardware-key sign-in and audit logs that cannot be edited
