The FCA's MLR 2017 (Money Laundering Regulations) requires documented KYC for every customer. FlowAI delivers APPROVE/ESCALATE/REJECT decisions in under 3 seconds, runs UK and OFAC sanctions checks, and produces the audit trail FCA supervisors expect — without a compliance analyst on every case.
MLR 2017 Regulation 28 requires customer due diligence (CDD) for all customers. The Joint Money Laundering Steering Group (JMLSG) guidance specifies what good looks like. FlowAI's risk scoring is structured around JMLSG's risk-based approach — standard CDD for low-risk, enhanced CDD triggers for high-risk indicators.
MLR 2017 requires beneficial ownership verification for corporate customers. FlowAI's UBO extraction identifies ultimate beneficial owners from submitted corporate documents and flags discrepancies against Companies House PSC (Persons of Significant Control) data. No manual company registry lookups.
Post-Brexit, UK maintains its own sanctions regime (OFSI/FCDO) separate from EU lists. UK fintechs with US exposure also need OFAC. FlowAI screens against UK, EU, UN, and OFAC in a single call. UKGC (Gambling Commission) regulated fintechs can add PEP screening for enhanced CDD.
Run a UK applicant scenario — passport/driving licence document type, OFSI + OFAC screening, MLR 2017-aligned risk scoring.
Pick a scenario. Hit run. See exactly what the agent decides — and why.
| Provider | Cost per review | Monthly cost (25K) | Annual cost |
|---|---|---|---|
| Manual compliance analyst | £8–15 (~$10–19) | $250,000–475,000 | $3.0M–5.7M |
| Onfido | $3.50–6.00 | $87,500–150,000 | $1.05M–1.8M |
| Jumio | $3.00–5.00 | $75,000–125,000 | $900K–1.5M |
| Veriff | $2.00–4.00 | $50,000–100,000 | $600K–1.2M |
| Persona | $2.00–4.00 | $50,000–100,000 | $600K–1.2M |
| Sardine | $1.50–3.00 | $37,500–75,000 | $450K–900K |
| FlowAI Starter | $0.020 | $499/mo flat | $5,988 |
At 25K reviews/month, FlowAI is 99%+ cheaper than UK-standard compliance tooling.
Yes. MLR 2017 Regulation 40 requires firms to keep CDD records for at least 5 years. FlowAI stores every triage event with a unique case_id, timestamp, decision, risk score, factors, and document reference. This log is exportable on demand — formatted for FCA section 165 information requests.
Since Brexit, the UK maintains its own Consolidated List of Financial Sanctions Targets (via OFSI/FCDO). This is separate from the EU list. FlowAI screens against UK, EU, UN, and OFAC — so UK fintechs with EU passporting exposure or US operations get all four in a single call. No separate integration per list.
Yes. When FlowAI returns ESCALATE, the response payload includes the specific risk factors that triggered it — PEP indicators, high-risk jurisdiction flags, adverse media signals, or document anomalies. Your compliance team gets a structured brief, not a raw document pile. EDD interviews and source-of-funds requests can be targeted rather than blanket.
Founding 10 locks $249/mo. Start in the sandbox today — no credit card.
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