AML compliance software: compliant and audit-ready by design
Compliance often runs on spreadsheets, scattered tools and manual handoffs, until an audit or a new regulation exposes the gaps.
Harmoney is the AML compliance platform that replaces that patchwork: screening, due diligence and monitoring in one flow, with a full audit trail behind every decision. It is built regulation-first, so a change like the AMLR in 2027 is an update, not a rebuild.
Conforme et prêt pour l'audit dès la conception
La plupart des dispositifs de conformité sont assemblés outil par outil, puis rafistolés dès qu'une réglementation ou un audit révèle une faille. Harmoney est construit dans l'autre sens : la réglementation et l'auditabilité sont au cœur du produit, de sorte qu'être conforme et prêt pour l'audit est l'état par défaut, et non un projet à lancer avant chaque contrôle.
Built for the AMLR, ready for what comes next
The AMLR is the immediate test. From July 2027 it replaces fragmented national rules with one EU rulebook, and for the first time firms face:
- Harmonised AML standards across the EU
- Stricter, more dynamic customer due diligence (CDD)
- Shorter assessment cycles with more frequent reviews
- Direct oversight from the new Anti-Money Laundering Authority (AMLA)
- Higher expectations for data quality, audit trails, and cross-border reporting
The part that breaks under the AMLR is the patchwork: spreadsheets, scattered tools, and manual handoffs. Because Harmoney is built regulation-first, the AMLR arrives as an update, and you adapt by configuration, not a rebuild. The same holds for whatever regulation follows. For the detail, see our blog on whether you are really ready for the AMLR.
One platform, configured not coded
Harmoney orchestrates the whole AML compliance process in one flow, and you configure it as regulations change, without custom code or IT projects.
End-to-end AML orchestration
Screening, risk scoring, ongoing monitoring and case management run in one flow. Start with screening, then add full lifecycle management when you need it.
Screening, risk scoring and UBO built in
Sanctions, PEP, embargo and adverse-media screening, document validation, UBO register retrieval and dynamic risk scoring run inside the same workflow. One customer, one risk picture, from onboarding through monitoring.
AI does the work, you make the calls
The AI orchestrator cuts false positives by up to 90 percent, so your team spends its time on the alerts that matter, not the noise. Human-in-the-loop workflows keep the decisions, and the accountability, with your people.
Built regulation-first
Regulation shaped every layer of the platform: GDPR, DORA, AMLR. Prepared, not retrofitted.
One API, full integration
Screening providers, data enrichment tools, UBO registers and internal systems connect through one gateway. Change a provider or a workflow by configuration, not redevelopment, and avoid vendor lock-in.
Case management and reporting in one place
Alerts, investigations, decisions and evidence sit in one case view. Reporting comes out of the workflow, not a separate scramble at quarter-end.
Built for regulated firms across Europe and beyond
Banks, insurers, wealth and asset managers, investment funds, leasing providers and professional firms run AML compliance on Harmoney. The platform adapts to your risk model, your data sources, and your regulator through configuration, not custom builds.
80+ institutions run compliance on Harmoney
Leading banks, insurers and financial institutions rely on Harmoney to streamline compliance, cut costs, and stay ahead of financial crime with complete peace of mind.
Discover how our clients use Harmoney to make compliance smarter and easier.
"Harmoney is a strategic partner within our onboarding process. Every insurance company needs to be compliant. We are convinced that with Harmoney we have a partner by our side who makes the job easier."
See Harmoney in action
Book a demo and we'll show you how firms like yours are preparing for AMLR without adding headcount or complexity.