AML frameworks fail when they sit beside the business rather than inside it. We build AML and counter-terrorist financing systems that connect governance, KYC, KYB, monitoring, escalation and reporting into one operating rhythm. Each is calibrated to FATF, MASAK and overseas supervisor expectations, as well as organisations’ unique operating models and risk profiles. Decisions are consistent and well-documented, withstanding commercial pressure and regulatory review.
STG Partners establishes proportionate, risk-based AML programmes which define clear roles, thresholds and decision paths, creating consistency across onboarding, ongoing monitoring, issue management and governance. The result is an AML system that supports confident decision-making, maintains regulatory credibility and operates reliably as the organisation grows.
Our work on KYC and KYB focuses on practical decisionmaking and documentation. We design onboarding and periodic review processes that distinguish between customer segments and risk levels, define what constitutes sufficient identification and verification and then set out enhanced due diligence paths for higherrisk relationships. This includes analysing beneficial ownership, sourceoffunds and sourceofwealth, screening for sanctions and negative media, plus establishing clear rules for escalating or declining relationships.
We help clients understand and respond to moneylaundering and terroristfinancing typologies relevant to their business. Drawing on FATF, MASAK and market examples, we translate typologies into concrete red flags, monitoring scenarios and case studies that frontline teams can recognise. We structure how alerts are generated, triaged and investigated, plus how transaction trails are reconstructed and documented so that our clients’ decisions to close, escalate or report are defensible and repeatable.
Our support for transaction monitoring and investigation covers both design and practice. We help calibrate rules and thresholds tailored to each client’s risk profile, plus define narratives and evidential standards for case files. If suspicion arises, we advise on setting out transaction histories along with analysing counterparties and patterns. Where needed, we work with forensic and analytics tools so that complex payment chains and layering structures can be traced and explained in manner which is acceptable to regulators and auditors.
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