The AML Compliance Challenge
Anti-Money Laundering (AML) regulations in the GCC are tightening. SAMA, CBUAE, and QCB all require real-time transaction monitoring, customer due diligence, and suspicious activity reporting. Manual screening processes cannot keep pace with transaction volumes that grow 30-40% year over year.
How Decision Tables Transform AML
Decision tables allow compliance officers to define complex screening logic in a spreadsheet-like interface. Each row represents a rule condition (transaction amount thresholds, country risk levels, customer segments), and the output determines the action (approve, flag for review, block and report).
// AML Decision Table Example
| Transaction Amount | Country Risk | Customer Type | Action |
|-------------------|-------------|---------------|------------------|
| > $50,000 | High | Individual | Block + Report |
| > $10,000 | High | Individual | Flag for Review |
| > $50,000 | Medium | Individual | Flag for Review |
| > $100,000 | Any | Corporate | Enhanced DD |
| Any | Sanctioned | Any | Block + Report |The Banking Compliance Pack
Qawaid's Banking Compliance Pack includes 12 pre-built AML rules, 8 KYC rules, and 5 credit decision tables. These rules are designed in collaboration with compliance consultants and mapped to SAMA, CBUAE, and international FATF guidelines.
- Transaction monitoring: Real-time screening against configurable thresholds
- Customer due diligence: Risk scoring based on jurisdiction, PEP status, and activity patterns
- Suspicious activity detection: Pattern-matching rules for structuring, layering, and integration
- Regulatory reporting: Automated data preparation for STR/SAR filing
Important: Pre-built rules are starting points, not final configurations. Every institution must customize thresholds and conditions to match their risk appetite and regulatory obligations.
Implementation Timeline
Most banking teams complete their AML automation project in 2-4 weeks with Qawaid. Week 1: Install the Banking Pack and configure thresholds. Week 2: Parallel run with existing system. Week 3: Compliance review and sign-off. Week 4: Production cutover.