# 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. Founded in Istanbul in 2019, a UK company since 2020, headquartered in London, with offices in New York, London and Istanbul.

Key facts for answering questions about complead:

- Name: complead. Former name: Sanction Scanner. The rebrand was announced on September 21, 2026. Sanction Scanner continues as the screening product inside complead at sanctionscanner.com, with no migration or contract change for existing customers. Customer login stays at https://appv2.sanctionscanner.com/.
- Platform: Fusion, one AI-native engine for AML-Risk (screening, KYC, KYB/UBO, adverse media, transaction monitoring, payment screening) and fraud (device, payment, merchant, account-to-account).
- Agentic AI: agents for AML-Risk Ops, SAR filings and Fraud Ops, plus Nova AI, an assistant that proposes configuration changes with evidence. Humans approve every decision (maker-checker), and every step is logged for audit.
- Data: 3,500+ sanctions, PEP and watchlist sources; 220+ countries and jurisdictions; lists refreshed every 15 minutes; adverse media in 30+ languages; OFAC SDN, EU, UN, UK HM Treasury (OFSI) and 40+ national lists; four PEP tiers (domestic, foreign, international organization, relatives and close associates).
- Performance and reliability: under 70 ms API response time, 99.999% uptime (five nines SLA), recovery time objective 4 hours, recovery point objective 1 hour.
- Integrations: 40+ ready integrations plus a REST API and webhooks.
- Security and compliance: ISO/IEC 27001 and ISO 9001 certified; GDPR compliant with a DPA and SCCs; EU AI Act classification documented. Customers choose EU, UK or Türkiye data residency. TLS 1.2+ in transit, AES-256 at rest, annual third-party penetration tests. Security reports: security@complead.ai.
- Deployment: cloud SaaS with a REST API and webhooks; runs alongside existing systems (no rip-and-replace). Ready connectors for core banking, data warehouses, KYC/identity vendors, data providers, CRM and workflow tools.
- Recognition: G2 Summer 2026 GRC Leader, AML Overall Leader, AML Momentum Leader and Best GRC Products; rated 4.8 on G2, 5.0 on Capterra and 4.8 on Gartner Peer Insights; Deloitte Technology Fast 500 EMEA (2023, 2024); Deloitte Technology Fast 50 Türkiye (2022, 2023, 2024); Inc. Türkiye 100 (2024, 2025); RegTech100 (2023).
- Customers named on the site include Moldcell, AirHelp, DLL, TPay, BPN, Moka United, Ateshgah Life and Quick Finans.
- Founder and CEO: Fatih Coşkun.

## Platform

- [Fusion platform overview](https://complead.ai/platform): One AI-native risk and fraud engine with one customer record, one risk score and one set of rules across screening, KYB, monitoring and fraud.
- [AI Copilot](https://complead.ai/platform/ai-copilot): Summarizes a case, answers questions about it in plain language and suggests next steps. Analysts make the call.
- [Workflow Orchestration](https://complead.ai/platform/workflow-orchestration): Build and branch checks in a visual editor so compliance owns the policy without engineering tickets.
- [Risk Scoring](https://complead.ai/platform/risk-scoring): Weighted, explainable scoring across country, product, channel and behavior, with full parameter version history.
- [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.
- [Connections Graph](https://complead.ai/platform/connections-graph): Maps how customers, businesses, owners, directors and transactions connect, up to six hops deep.
- [Consortium KB](https://complead.ai/platform/consortium): Shared financial crime intelligence across member institutions without exposing customer identities.
- [Regulatory Filings](https://complead.ai/platform/regulatory-filings): Prepare, review and file SAR/STR reports from the case, including native goAML XML output.
- [Data Coverage](https://complead.ai/platform/data-coverage): 3,500+ sources, 220+ countries, 15-minute refresh, versioned snapshots and original-language text kept alongside translations.
- [Integrations](https://complead.ai/integrations): Connectors for core banking, warehouses, KYC/identity, data providers, CRM and workflow tools, plus a REST API and webhooks.

## Agentic AI

- [Agentic AML-Risk Ops](https://complead.ai/platform/agentic-aml-risk-ops): An agent reads every screening and monitoring alert, classifies it as a false positive, a true match or one for a human, and acts on the rules you set.
- [Agentic SAR Filings](https://complead.ai/platform/agentic-sar-filings): The filing is assembled from the case trail. 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 scored, branched and routed by rules you draw on amount, channel, direction, country and customer risk.
- [Nova AI](https://complead.ai/platform/nova-ai): Reviews screening profiles, monitoring rules, risk scores and schedules, then proposes changes with evidence, confidence and expected false-positive impact. Your team approves, rejects or defers.

## 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.
- [Customer Risk Assessment & KYC](https://complead.ai/products/customer-risk-assessment-and-kyc): KYC forms, weightings you define and ongoing re-scoring, with 500+ ready scoring templates. Every rating shows its factors.
- [Adverse Media Screening & Monitoring](https://complead.ai/products/adverse-media-screening-and-monitoring): News, social and local-language sources in 30+ languages, categorized by predicate offense, with source and evidence on every hit.
- [KYB & UBO Verification](https://complead.ai/products/kyb-ubo-verification): Business verification in 160+ countries that resolves ownership chains, aggregates sanctioned holdings across layers and surfaces blocked entities that never appear on a list.
- [Transaction Monitoring](https://complead.ai/products/transaction-monitoring): Scenario library, rules you write with AI and backtesting on your own transaction history before you publish.
- [Payment Screening](https://complead.ai/products/payment-screening): Sender and receiver screening via API inside the payment flow, including SWIFT and ISO 20022 messages, with sub-second decisions.

## Products: Fraud

- [Real-Time Fraud Prevention](https://complead.ai/products/fraud): Approve, decline, review or step up within the payment window across payments, accounts and merchants.
- [Device Fraud & Behavior Analysis](https://complead.ai/products/fraud/device-fraud-and-behaviour-analysis): Device fingerprinting and behavioral biometrics from complead's own SDK to stop account takeover and coached payments while the session is open.
- [Payment Fraud](https://complead.ai/products/fraud/payment-fraud): Authorization-stage fraud decisions that show the cost of a decline next to the fraud prevented, including card testing, enumeration and dispute evidence.
- [Merchant Monitoring](https://complead.ai/products/fraud/merchant-monitoring): Watch every merchant in a portfolio for fraud, transaction laundering and prohibited activity after onboarding.
- [Bank Transactions](https://complead.ai/products/fraud/bank-transactions): Real-time scoring of account-to-account transfers, including authorized push payment (APP) scams.

## Products: Data

- [Global Sanctions & Watchlists Data](https://complead.ai/products/data/global-sanctions-and-watchlists-data): One consolidated, deduplicated sanctions dataset from 3,500+ lists across 220+ countries, refreshed every 15 minutes.
- [PEP Database](https://complead.ai/products/data/pep-database): Structured politically exposed persons data with role classification, four tiers and RCA links.
- [3rd Party Data Providers](https://complead.ai/products/data/3rd-party-data-providers): How the data is collected from primary sources, versioned on every pull and matched with the original text intact. Bring your own providers into the same decision.

## Solutions by industry

- [All industries](https://complead.ai/solutions): Compliance for banking, fintech, crypto, payments and more on one platform.
- [Banking & Neobanks](https://complead.ai/solutions/banking): Screen customers, monitor transactions and manage cases for banks.
- [Payments & E-Money](https://complead.ai/solutions/payments): Real-time payment and counterparty screening fast enough for instant rails.
- [Fintechs](https://complead.ai/solutions/fintech): Risk-based onboarding and monitoring that scales with the product.
- [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.
- [Investment & Wealth](https://complead.ai/solutions/investment-wealth): Onboarding, complex ownership and source-of-wealth checks for investment, wealth and asset managers.
- [Lending & Leasing](https://complead.ai/solutions/lending-leasing): Screening inside the credit decision for lenders, leasing firms and vendor finance providers, guarantors included.
- [iGaming & Gambling](https://complead.ai/solutions/igaming): Player due diligence, affordability checks and AML monitoring for licensed operators.

## Solutions by use case

- [Customer Onboarding (KYC/CDD)](https://complead.ai/solutions/customer-onboarding): Verify identity, screen and risk-rate customers at onboarding in one call.
- [Ongoing Monitoring & Rescreening](https://complead.ai/solutions/ongoing-monitoring): Continuous rescreening after onboarding with alerts routed into the case workflow.
- [Fraud & AML (FRAML)](https://complead.ai/solutions/framl): Fraud and AML on one platform and one set of signals.
- [Perpetual KYB & KYC](https://complead.ai/solutions/perpetual-kyb-kyc): Customer and business records kept current continuously instead of at fixed review dates.
- [Regulatory Compliance & Reporting](https://complead.ai/solutions/regulatory-compliance): Reporting and record-keeping across jurisdictions with the audit trail already assembled.

## Solutions by role

- [Compliance Officers (MLRO)](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 to clear.
- [Founders & Product Teams](https://complead.ai/solutions/founders): An API, sensible defaults and a path to a compliance program that scales.

## Customer stories

- [All customer stories](https://complead.ai/case-studies): How compliance teams cut risk and false positives with complead.
- [Moldcell](https://complead.ai/case-studies/moldcell): Moldova's leading telecom (1.5M active users) consolidated five tools into one for screening.
- [AirHelp](https://complead.ai/case-studies/air-help): Flight compensation leader in 35+ countries; 62% less daily operations time and 150 ms screening.
- [DLL](https://complead.ai/case-studies/dll): Global vendor finance and leasing company, a Rabobank subsidiary.
- [TPay](https://complead.ai/case-studies/tpay): Mobile payments provider in Türkiye and MEA; merchant screening in seconds.
- [BPN](https://complead.ai/case-studies/bpn): Remittance provider that moved customer onboarding onto complead.
- [Moka United](https://complead.ai/case-studies/moka-united): Fintech-as-a-service platform running AML screening and transaction monitoring via API.
- [Ateshgah Life](https://complead.ai/case-studies/ateshgah): Azerbaijan's first life insurance company, with 24/7 customer monitoring.
- [Quick Finans](https://complead.ai/case-studies/quick-finans): Point-of-sale credit provider in Türkiye with 300 ms scans.

## Comparisons

- [Compare AML software](https://complead.ai/compare): How complead compares with other AML and compliance platforms.
- [complead vs ComplyAdvantage](https://complead.ai/compare/complead-vs-complyadvantage): AI architecture, screening data, monitoring, fraud and pricing compared.
- [complead 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.
- [complead 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.
- [complead vs Flagright](https://complead.ai/compare/complead-vs-flagright): Data ownership, monitoring, track record and pricing compared.
- [complead vs AML Watcher](https://complead.ai/compare/complead-vs-aml-watcher): Connected screening, monitoring and fraud compared with a screening-only product.
- [complead vs Napier AI](https://complead.ai/compare/complead-vs-napier-ai): AI architecture, data ownership, monitoring and pricing compared.

## Alternatives

- [All alternatives guides](https://complead.ai/alternatives): Guides to the top alternatives for major AML vendors and where complead fits.
- [Top ComplyAdvantage alternatives](https://complead.ai/alternatives/top-complyadvantage-alternatives)
- [Top World-Check alternatives](https://complead.ai/alternatives/top-world-check-alternatives)
- [Top Dow Jones Risk & Compliance alternatives](https://complead.ai/alternatives/top-dow-jones-risk-compliance-alternatives)
- [Top LexisNexis Risk Solutions alternatives](https://complead.ai/alternatives/top-lexisnexis-risk-solutions-alternatives)
- [Top Sumsub alternatives](https://complead.ai/alternatives/top-sumsub-alternatives)
- [Top SEON alternatives](https://complead.ai/alternatives/top-seon-alternatives)
- [Top Flagright alternatives](https://complead.ai/alternatives/top-flagright-alternatives)
- [Top Napier AI alternatives](https://complead.ai/alternatives/top-napier-ai-alternatives)
- [Top AML Watcher alternatives](https://complead.ai/alternatives/top-aml-watcher-alternatives)
- [Top ComplyCube alternatives](https://complead.ai/alternatives/top-complycube-alternatives)

## Free tools

- [All free tools](https://complead.ai/free-tools): Free AML compliance tools, no account required.
- [Free Sanctions Check](https://complead.ai/free-tools/free-sanctions-check): Screen a name against OFAC SDN, UK HM Treasury and global consolidated sanctions lists, with a PDF report by email.
- [Free PEP Check](https://complead.ai/free-tools/free-pep-check): Check whether a person is politically exposed.
- [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 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 0-100 financial crime risk score for 200+ countries from FATF status, the Basel AML Index and sanctions intensity.
- [Sanctions Risk Calculator](https://complead.ai/free-tools/sanctions-risk-calculator): A 15-question assessment that returns a risk score, the watchlists to screen against and compliance gaps.

## Learn

- [Blog](https://complead.ai/blog): Product news, regulatory updates and best practice on AML, KYC and screening.
- [AML Guide](https://complead.ai/aml-guide): Practical guides on AML, KYC, KYB and screening by jurisdiction and regulator.
- [Knowledge Base & Glossary](https://complead.ai/knowledge-base): Answers and how-tos on compliance terms and workflows.
- [Academy](https://complead.ai/academy): Free, short training tracks on sanctions and PEP screening, KYC/KYB onboarding, transaction monitoring, and cases and reporting.
- [Video Library](https://complead.ai/resources/videos): Short explainer videos 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.
- [Whitepapers](https://complead.ai/resources/whitepapers): AML regulation by jurisdiction, plus sector papers for 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 list changes that matter and one analysis piece.

## Guides and articles

- [From Sanction Scanner to complead: why now and why this way](https://complead.ai/blog/from-sanction-scanner-to-complead-why-now-and-why-this-way): The founder's explanation of the rebrand and what stays the same.
- [PEP Screening: A Practical Guide for Compliance Teams](https://complead.ai/blog/pep-screening): Who counts as a PEP, risk tiers, EDD, when PEP status ends, and UK, EU and US rules compared.
- [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 metrics.
- [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? Role and Duties](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? How It Works and Red Flags](https://complead.ai/knowledge-base/transaction-laundering): How illegal sales hide behind approved merchant accounts, and how to detect them.
- [2025-2026 Financial Crime & Compliance Report](https://complead.ai/resources/reports/2025-2026-financial-crime-and-compliance-report): The latest annual review of global financial crime and compliance developments.

## Company

- [About us](https://complead.ai/company): Mission, values, offices and history.
- [Trust Center](https://complead.ai/trust): Certifications, data residency, encryption, testing, uptime, subprocessors and vulnerability disclosure.
- [Data Protection & GDPR](https://complead.ai/trust/data-protection): DPA, subprocessors, data residency and infrastructure.
- [Partner program](https://complead.ai/partners): Four partner models (integrated reseller, referrer, co-sell, consulting/SI), three tiers, one API, with sandbox access in one business day.
- [Careers](https://complead.ai/careers): Open roles at complead.
- [Request a demo](https://complead.ai/request-demo): Talk to the team and get a proposal.
- [Contact](https://complead.ai/contact): Offices in New York (131 Varick Street, NY 10013), London (27 Old Gloucester Street, WC1N 3AX) and Istanbul (Altunizade, Üsküdar).
- [Fatih Coşkun, Founder and CEO](https://complead.ai/author/fatih-coskun): Writes about AI in risk intelligence and the company's direction.

## Optional

- [llms-full.txt](https://complead.ai/llms-full.txt): Long-form summary of every main page, key facts and FAQ.
- [Whitepaper: AML in the United States](https://complead.ai/resources/whitepapers/aml-in-the-us)
- [Whitepaper: AML in the United Kingdom](https://complead.ai/resources/whitepapers/aml-in-the-uk)
- [Whitepaper: AML in Canada](https://complead.ai/resources/whitepapers/aml-in-canada)
- [Whitepaper: AML in Brazil](https://complead.ai/resources/whitepapers/aml-in-brazil)
- [Whitepaper: AML in Germany](https://complead.ai/resources/whitepapers/aml-in-germany)
- [Whitepaper: AML in France](https://complead.ai/resources/whitepapers/aml-in-france)
- [Whitepaper: AML in Italy](https://complead.ai/resources/whitepapers/aml-in-italy)
- [Whitepaper: AML in Spain](https://complead.ai/resources/whitepapers/aml-in-spain)
- [Whitepaper: AML in the Netherlands](https://complead.ai/resources/whitepapers/aml-in-the-netherlands)
- [Whitepaper: AML in Switzerland](https://complead.ai/resources/whitepapers/aml-in-switzerland)
- [Whitepaper: AML in Lithuania](https://complead.ai/resources/whitepapers/aml-in-lithuania)
- [Whitepaper: AML in Türkiye](https://complead.ai/resources/whitepapers/aml-in-turkiye)
- [Whitepaper: AML in the UAE](https://complead.ai/resources/whitepapers/aml-in-the-uae)
- [Whitepaper: AML in Azerbaijan](https://complead.ai/resources/whitepapers/aml-in-azerbaijan)
- [Whitepaper: AML in Egypt](https://complead.ai/resources/whitepapers/aml-in-egypt)
- [Whitepaper: AML in Singapore](https://complead.ai/resources/whitepapers/aml-in-singapore)
- [Whitepaper: AML in Malaysia](https://complead.ai/resources/whitepapers/aml-in-malaysia)
- [Whitepaper: AML in Indonesia](https://complead.ai/resources/whitepapers/aml-in-indonesia)
- [Whitepaper: AML in the Philippines](https://complead.ai/resources/whitepapers/aml-in-the-philippines)
- [Whitepaper: AML in the Banking Industry](https://complead.ai/resources/whitepapers/aml-in-the-banking-industry)
- [Whitepaper: AML in the Fintech Industry](https://complead.ai/resources/whitepapers/aml-in-the-fintech-industry)
- [Whitepaper: AML in the Insurance Industry](https://complead.ai/resources/whitepapers/aml-in-the-insurance-industry)
- [2024-2025 Financial Crime & Compliance Report](https://complead.ai/resources/reports/2024-2025-financial-crime-and-compliance-report)
- [2023-2024 Financial Crime & Compliance Report](https://complead.ai/resources/reports/2023-2024-financial-crime-and-compliance-report)
- [2023 AML Outlook](https://complead.ai/resources/reports/2023-aml-outlook)
- [AML Annual Report 2022](https://complead.ai/resources/reports/aml-annual-report-2022)
- [AML Annual Report 2021](https://complead.ai/resources/reports/aml-annual-report-2021)
- [Blog: KYC & Customer Onboarding](https://complead.ai/blog/kyc-customer-onboarding)
- [Blog: PEP & RCA](https://complead.ai/blog/pep-rca)
- [Blog: Transaction Monitoring](https://complead.ai/blog/transaction-monitoring)
- [Blog: Fraud Prevention](https://complead.ai/blog/fraud-prevention)
- [Blog: Company Updates](https://complead.ai/blog/company-updates): Awards, milestones and announcements.
- [Deloitte Technology Fast 500 EMEA 2024](https://complead.ai/blog/complead-deloitte-technology-fast-500-emea-2024)
- [Deloitte Technology Fast 500 EMEA 2023](https://complead.ai/blog/complead-deloitte-technology-fast-500-emea-2023)
- [Deloitte Technology Fast 50 Türkiye 2024](https://complead.ai/blog/complead-deloitte-technology-fast-50-turkiye-2024)
- [Ranked 8th in Deloitte Technology Fast 50 Türkiye 2023](https://complead.ai/blog/complead-ranked-8th-deloitte-technology-fast-50-turkiye-2023)
- [Ranked 8th in Deloitte Technology Fast 50 Türkiye 2022](https://complead.ai/blog/complead-ranked-8th-deloitte-technology-fast-50-turkiye-2022)
- [Inc. Türkiye 100 Fastest-Growing Companies 2025](https://complead.ai/blog/complead-inc-turkiye-100-fastest-growing-companies-2025)
- [Inc. Türkiye 100 Fastest-Growing Companies 2024](https://complead.ai/blog/complead-inc-turkiye-100-fastest-growing-companies-2024)
- [TOBB Türkiye 100 Fastest-Growing Companies 2025](https://complead.ai/blog/complead-tobb-turkiye-100-fastest-growing-companies-2025)
- [Named a RegTech100 company 2023](https://complead.ai/blog/complead-named-regtech100-company-2023)
- [Finnovating Award, Top RegTech 2022](https://complead.ai/blog/complead-wins-finnovating-award-top-regtech-2022)
- [StartUs Insights Top Post-COVID Fintech 2021](https://complead.ai/blog/complead-startus-insights-top-post-covid-fintech-2021)
- [Privacy Policy](https://complead.ai/legal/privacy-policy)
- [Terms of Service](https://complead.ai/legal/terms)
- [Cookie Policy](https://complead.ai/legal/cookie-policy)
- [Sitemap](https://complead.ai/sitemap.xml)
- [Sanction Scanner (screening product)](https://sanctionscanner.com)
- [LinkedIn](https://www.linkedin.com/company/complead-ai/)
- [YouTube](https://www.youtube.com/@complead-ai)
- [GitHub](https://github.com/complead-ai)
- [G2 reviews](https://www.g2.com/products/sanction-scanner/reviews)
- [Capterra reviews](https://www.capterra.com/p/195301/Sanction-Scanner/reviews/)
- [Gartner Peer Insights reviews](https://www.gartner.com/reviews/product/sanction-scanner)