> ## 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

# SCT11 - Compliance Management

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

## Overview

This capability provides 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       |
| **Documentation Management** | Compliance document storage     |

## KYC/AML Features

| Feature                   | Description                         |
| ------------------------- | ----------------------------------- |
| **Identity Verification** | Document and biometric verification |
| **Sanctions Screening**   | Global sanctions list checking      |
| **PEP Screening**         | Politically Exposed Person checks   |
| **Adverse Media**         | Negative news monitoring            |
| **Ongoing Monitoring**    | Continuous customer monitoring      |

## Configuration Options

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

## Compliance Workflow

```mermaid theme={null}
flowchart TD
    A[Customer Onboarding] --> B[Identity Verification]
    B --> C[Document Collection]
    C --> D[Sanctions Screening]
    D --> E[Risk Assessment]
    E --> F{Approved?}
    
    F -->|Yes| G[Account Active]
    F -->|No| H[Manual Review]
    H --> I{Decision}
    I -->|Approve| G
    I -->|Reject| J[Application Rejected]
    
    G --> K[Ongoing Monitoring]
    K --> L[Periodic Review]
    L --> G
```

## Regulatory Coverage

| Regulation            | Coverage                               |
| --------------------- | -------------------------------------- |
| **GDPR**              | Data protection and privacy            |
| **PSD2**              | Payment services directive             |
| **AML5/6**            | Anti-money laundering directives       |
| **FATF**              | Financial action task force guidelines |
| **Local Regulations** | Country-specific requirements          |

## Reporting Capabilities

| Report Type            | Description                         |
| ---------------------- | ----------------------------------- |
| **SAR**                | Suspicious Activity Reports         |
| **CTR**                | Currency Transaction Reports        |
| **STR**                | Suspicious Transaction Reports      |
| **Regulatory Returns** | Periodic regulatory submissions     |
| **Audit Reports**      | Internal and external audit support |

## Integration with Other Capabilities

| Capability                   | Integration                 |
| ---------------------------- | --------------------------- |
| **SCT01/02 - Channels**      | KYC flows in onboarding     |
| **SCT03 - Country**          | Country-specific compliance |
| **SCT04 - Payments**         | Transaction screening       |
| **SCT06 - Decision Support** | Compliance dashboards       |

## Subscription Tier Availability

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