> ## Documentation Index
> Fetch the complete documentation index at: https://docs.finhub.cloud/llms.txt
> Use this file to discover all available pages before exploring further.

# SCT11 - Compliance Management

> Tools and features to ensure regulatory compliance across operations via API

# SCT11 - Compliance Management

Tools and features to ensure regulatory compliance across operations, including KYC/AML workflows, transaction monitoring, and regulatory reporting through the API.

## Overview

This capability provides API access to comprehensive compliance management tools to help your platform meet regulatory requirements across all markets you operate in.

## Features

| Feature                    | Description                     |
| -------------------------- | ------------------------------- |
| **KYC/AML Workflows**      | Customer verification processes |
| **Regulatory Reporting**   | Automated regulatory reports    |
| **Transaction Monitoring** | Real-time transaction screening |
| **Audit Trail**            | Complete activity logging       |
| **Sanctions Screening**    | Global sanctions list checking  |

## Configuration Options

| Level        | Features                 | Automation                      |
| ------------ | ------------------------ | ------------------------------- |
| **Basic**    | Essential compliance     | Manual workflows                |
| **Standard** | Comprehensive management | Semi-automated                  |
| **Advanced** | Full automation          | Regulatory updates auto-applied |

## API Usage

### Initiate KYC Verification

```bash theme={null}
POST /api/v1/verification/kyc
Content-Type: application/json
Authorization: Bearer {access_token}

{
  "customer_id": "cust_123456",
  "verification_level": "STANDARD",
  "documents": [
    {"type": "PASSPORT", "document_id": "doc_abc123"},
    {"type": "PROOF_OF_ADDRESS", "document_id": "doc_def456"}
  ]
}
```

**Response:**

```json theme={null}
{
  "verification_id": "ver_xyz789",
  "customer_id": "cust_123456",
  "status": "IN_PROGRESS",
  "checks": [
    {"type": "IDENTITY", "status": "PENDING"},
    {"type": "SANCTIONS", "status": "PASSED"},
    {"type": "PEP", "status": "PASSED"}
  ]
}
```

### Screen Transaction

```bash theme={null}
POST /api/v1/compliance/screen
Content-Type: application/json
Authorization: Bearer {access_token}

{
  "transaction_id": "txn_abc123",
  "amount": 5000.00,
  "currency": "EUR",
  "sender": {"name": "John Doe", "country": "DE"},
  "recipient": {"name": "Jane Smith", "country": "GB"}
}
```

**Response:**

```json theme={null}
{
  "screening_id": "scr_123456",
  "result": "PASSED",
  "risk_score": 15,
  "checks_performed": [
    {"type": "SANCTIONS", "result": "CLEAR"},
    {"type": "PEP", "result": "CLEAR"},
    {"type": "ADVERSE_MEDIA", "result": "CLEAR"}
  ]
}
```

### Get Compliance Report

```bash theme={null}
GET /api/v1/compliance/reports/sar?period=2024-01
Authorization: Bearer {access_token}
```

**Response:**

```json theme={null}
{
  "report_type": "SAR",
  "period": "2024-01",
  "total_alerts": 45,
  "filed_reports": 3,
  "pending_review": 12,
  "dismissed": 30
}
```

## Verification Levels

| Level        | Checks Included                  |
| ------------ | -------------------------------- |
| **BASIC**    | Identity verification            |
| **STANDARD** | Identity + Address + Sanctions   |
| **ENHANCED** | Standard + Source of Funds + PEP |

## Webhook Events

```json theme={null}
{
  "event": "verification.completed",
  "verification_id": "ver_xyz789",
  "customer_id": "cust_123456",
  "result": "APPROVED",
  "timestamp": "2024-01-15T10:30:00Z"
}
```

## Integration with Other Capabilities

| Capability                   | Integration                       |
| ---------------------------- | --------------------------------- |
| **SCT03 - Country**          | Country-specific compliance rules |
| **SCT04 - Payments**         | Transaction screening             |
| **SCT06 - Decision Support** | Compliance dashboards             |

## Related API Reference

<Card title="Verification APIs" icon="shield-check" href="/baas/api/reference/verification-compliance/index">
  View detailed compliance API specifications
</Card>

## Subscription Tier Availability

| Tier         | Configuration Level |
| ------------ | ------------------- |
| Starter      | Basic               |
| Professional | Standard            |
| Enterprise   | Advanced            |
| Custom       | Configurable        |