Tayel Mohamed
Tayel's Compliance AI12+ Years AML Expertise
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13 Specialized AI Agents • Built on Compliance Logic • Ex-MLRO Validated

The AI Agents Library

Each agent replicates a professional compliance role with documented decision logic, FATF-aligned typologies, mandatory human escalation protocols, and complete regulatory mapping to AMLD6, MiCA, and MENA requirements.

Chief Compliance Officer (CCO) Agent
Strategic Governance & Oversight

Purpose

Provides strategic compliance leadership, framework development, and board-level oversight

Core Responsibilities

  • Compliance framework design and implementation
  • Board and senior management reporting
  • Strategic risk assessment and mitigation
  • Regulatory relationship management
  • Compliance culture development
  • High-risk case escalation review

Best-Practice Tasks

  • Quarterly board compliance reports
  • Annual compliance program assessment
  • Enterprise risk appetite definition
  • Regulatory exam preparation and response
  • Policy approval and sign-off
  • Whistleblower investigation oversight

Inter-Agent Collaboration

  • Oversees all other agents and approves major decisions
  • Receives escalations from MLRO for critical SAR filings
  • Reviews Risk Agent assessments for strategic adjustments
  • Coordinates with Regulatory Intelligence for framework updates

Problems Solved

Lack of strategic compliance directionBoard-level compliance visibility gapsRegulatory relationship challengesEnterprise-wide risk governance

Regulatory Coverage

EU AMLD6, MiCA, EBA Guidelines, FATF Recommendations, MENA Central Bank Requirements

AML Officer / MLRO Agent
Money Laundering Reporting & Investigation

Purpose

Manages suspicious activity handling, SAR/STR filing, case investigation, and escalation protocols

Core Responsibilities

  • Suspicious Activity Report (SAR/STR) filing
  • Alert investigation and case management
  • Enhanced Due Diligence (EDD) oversight
  • FIU and regulator liaison
  • Case escalation decision-making
  • Suspicious pattern identification

Best-Practice Tasks

  • SAR/STR preparation and submission
  • Alert triage and prioritization
  • Complex case investigation
  • EDD approval for high-risk customers
  • Regulatory inquiry responses
  • Typology analysis and pattern recognition

Inter-Agent Collaboration

  • Receives alerts from Transaction Monitoring Agent
  • Escalates critical cases to CCO Agent
  • Requests additional checks from KYC/KYB Agents
  • Coordinates with Audit Agent for documentation

Problems Solved

SAR filing delays and quality issuesInconsistent alert investigationMissed suspicious activity patternsRegulatory reporting gaps

Regulatory Coverage

FATF Recommendation 20, EU 5th & 6th AML Directives, FinCEN SAR Requirements, UAE AML Laws

KYC Agent
Individual Customer Verification

Purpose

Performs identity verification, document review, fraud detection, and individual customer risk grading

Core Responsibilities

  • Identity document verification (passport, ID, driver license)
  • Liveness and biometric checks
  • Address verification
  • Fraud and synthetic identity detection
  • Customer risk scoring
  • Continuous identity monitoring

Best-Practice Tasks

  • Document authenticity validation
  • OCR data extraction and verification
  • Watchlist screening (sanctions, PEPs, adverse media)
  • Risk grade assignment (low/medium/high)
  • Identity change detection
  • Periodic KYC refresh

Inter-Agent Collaboration

  • Passes verified profiles to Risk Assessment Agent
  • Triggers Sanctions Agent for screening
  • Provides data to Transaction Monitoring Agent
  • Escalates fraud cases to MLRO Agent

Problems Solved

Identity fraud and synthetic identitiesDocument forgery detectionManual review bottlenecksInconsistent risk grading

Regulatory Coverage

AMLD6, GDPR, MiCA KYC Requirements, UAE KYC Guidelines, UK FCA JMLSG Guidance

KYB Agent
Corporate Customer Verification

Purpose

Verifies corporate structures, identifies Ultimate Beneficial Owners (UBOs), performs entity screening

Core Responsibilities

  • Corporate registry verification
  • Ultimate Beneficial Owner (UBO) identification
  • Ownership structure analysis
  • Corporate document verification
  • Business activity validation
  • Shell company detection

Best-Practice Tasks

  • Articles of incorporation review
  • Shareholder registry analysis
  • UBO chain mapping (25%+ ownership)
  • Business license verification
  • Corporate sanctions screening
  • Adverse media checks on entities

Inter-Agent Collaboration

  • Coordinates with KYC Agent for UBO individual verification
  • Triggers Sanctions Agent for entity screening
  • Provides corporate risk data to Risk Agent
  • Escalates complex structures to CCO Agent

Problems Solved

Hidden ownership structuresShell company identificationComplex UBO chainsCorporate fraud detection

Regulatory Coverage

EU 5th & 6th AMLD, MiCA, UAE UBO Regulations, UK PSC Register, FATF Recommendation 24

Transaction Monitoring Agent
Real-Time Transaction Surveillance

Purpose

Detects suspicious patterns using ML and rule-based systems, generates alerts, prioritizes cases

Core Responsibilities

  • Rule-based transaction monitoring
  • Machine learning anomaly detection
  • Velocity and threshold monitoring
  • Cross-border transaction analysis
  • Behavioral pattern analysis
  • Alert generation and scoring

Best-Practice Tasks

  • Structuring and smurfing detection
  • Rapid movement of funds identification
  • Unusual transaction pattern flagging
  • Customer behavior deviation analysis
  • Alert scoring and prioritization
  • False positive reduction

Inter-Agent Collaboration

  • Sends prioritized alerts to MLRO Agent
  • Uses risk scores from Risk Assessment Agent
  • Receives customer profiles from KYC/KYB Agents
  • Provides data to Reporting Agent for dashboards

Problems Solved

Undetected money laundering schemesAlert fatigue from false positivesManual transaction review overloadDelayed suspicious activity detection

Regulatory Coverage

FATF Recommendation 10 & 16, EU Travel Rule, FinCEN 314(a), MiCA Transaction Monitoring

Sanctions & PEP Screening Agent
Sanctions & PEP Detection

Purpose

Screens customers against global sanctions lists, PEP databases, and adverse media

Core Responsibilities

  • Global sanctions list screening (OFAC, UN, EU, UK)
  • Politically Exposed Person (PEP) identification
  • Adverse media monitoring
  • False positive management
  • Continuous screening
  • Hit resolution and escalation

Best-Practice Tasks

  • Real-time screening at onboarding
  • Ongoing customer rescreening
  • Fuzzy matching and name variant analysis
  • PEP classification (domestic, foreign, international)
  • Adverse media sentiment analysis
  • Hit investigation and documentation

Inter-Agent Collaboration

  • Triggered by KYC and KYB Agents during onboarding
  • Escalates true hits to MLRO Agent
  • Updates customer risk via Risk Assessment Agent
  • Provides screening data to Audit Agent

Problems Solved

Sanctions violations and penaltiesUndetected PEP relationshipsAdverse media exposureFalse positive screening overload

Regulatory Coverage

OFAC Sanctions, EU Sanctions Regulations, UN Security Council Lists, FATF Recommendation 12

Risk Assessment Agent
Enterprise Risk Modeling

Purpose

Conducts business-wide risk assessment, customer risk modeling, product/geographic risk analysis

Core Responsibilities

  • Business-Wide Risk Assessment (BWRA)
  • Customer risk scoring models
  • Product risk classification
  • Geographic risk evaluation
  • Channel risk assessment
  • Risk appetite monitoring

Best-Practice Tasks

  • Customer risk score calculation (inherent + residual)
  • Risk matrix development and maintenance
  • Risk appetite threshold setting
  • Scenario-based risk modeling
  • Risk heat map generation
  • Periodic risk reassessment

Inter-Agent Collaboration

  • Receives customer data from KYC/KYB Agents
  • Provides risk scores to Transaction Monitoring Agent
  • Escalates high-risk assessments to CCO Agent
  • Coordinates with Regulatory Intelligence for risk updates

Problems Solved

Inconsistent risk scoringLack of enterprise risk visibilityProduct/geography risk blindspotsRegulatory risk appetite misalignment

Regulatory Coverage

EBA Risk Assessment Guidelines, FATF Risk-Based Approach, Basel AML Risk Management

Regulatory Intelligence Agent
Global Regulatory Monitoring

Purpose

Tracks regulatory changes globally and updates workflows, policies, and risk models accordingly

Core Responsibilities

  • Global regulatory update monitoring
  • Requirement impact analysis
  • Workflow adaptation triggers
  • Policy update recommendations
  • Compliance calendar management
  • Regulatory horizon scanning

Best-Practice Tasks

  • Daily regulatory feed monitoring (EU, MENA, US, APAC)
  • Regulatory change impact assessment
  • Automatic workflow parameter updates
  • Policy revision triggers
  • Compliance deadline tracking
  • Regulatory trend analysis

Inter-Agent Collaboration

  • Updates Policy Agent with regulatory changes
  • Informs CCO Agent of strategic regulatory shifts
  • Triggers Risk Agent for risk model adjustments
  • Coordinates with Training Agent for staff updates

Problems Solved

Missed regulatory deadlinesOutdated compliance proceduresRegulatory change blindspotsManual regulatory tracking burden

Regulatory Coverage

Monitors all jurisdictions: EU, UK, US, MENA, APAC regulatory bodies

Training & Awareness Agent
Staff Training & Compliance Culture

Purpose

Creates training modules, tracks completions, maintains awareness programs, monitors staff performance

Core Responsibilities

  • AML/KYC training program development
  • Staff assessment and testing
  • Compliance awareness campaigns
  • Training completion tracking
  • Performance analytics
  • Regulatory training updates

Best-Practice Tasks

  • Role-based training module creation
  • Annual AML certification programs
  • Phishing and fraud awareness training
  • New hire onboarding compliance modules
  • Training effectiveness measurement
  • Compliance culture surveys

Inter-Agent Collaboration

  • Receives regulatory updates from Regulatory Intelligence Agent
  • Reports training metrics to CCO Agent
  • Coordinates with Policy Agent for procedure training
  • Provides data to Reporting Agent for dashboards

Problems Solved

Staff compliance knowledge gapsTraining completion tracking challengesInconsistent training qualityRegulatory training requirement gaps

Regulatory Coverage

AMLD6 Training Requirements, MiCA Staff Competency, EBA Training Guidelines

Policy & Procedure Agent
Policy Documentation Management

Purpose

Drafts, maintains, and updates all compliance policies and procedural documentation with version control and governance standards

Core Responsibilities

  • AML/CTF Policy development and maintenance
  • Customer Due Diligence (CDD/EDD) Program documentation
  • Transaction Monitoring Rules and procedural guides
  • Sanctions & PEP Screening Policy
  • Data Retention & Privacy Policy (GDPR-compliant)
  • Outsourcing and Third-Party Risk Management Policy
  • SAR/STR Filing Procedures and templates
  • Governance and approval workflow documentation

Best-Practice Tasks

  • Policy drafting with regulatory requirement mapping (AMLD6, FATF, MiCA)
  • Annual policy review and update cycles with change logs
  • Template creation for CDD/EDD, SAR narratives, risk assessments
  • Version control and document governance (numbering, dating, approvals)
  • Policy approval workflow management with sign-off tracking
  • Regulatory language validation and terminology consistency
  • Policy distribution, acknowledgment tracking, and attestation management
  • Standard Operating Procedure (SOP) documentation for operational teams

Inter-Agent Collaboration

  • Receives regulatory update triggers from Regulatory Intelligence Agent for policy revisions
  • Submits draft and updated policies to CCO Agent for final approval and sign-off
  • Provides complete policy documentation to Audit Agent for regulatory exams
  • Coordinates with Training Agent to develop policy-based training modules
  • Supplies procedural documentation to QA Agent for quality standard validation

Problems Solved

Outdated or non-compliant policies exposing regulatory riskInconsistent policy language and terminology across documentsPolicy version control issues and lack of change trackingMissing documentation during regulatory exams and auditsPolicy distribution gaps and acknowledgment tracking failuresRegulatory requirement mapping and compliance gap identification

Regulatory Coverage

All applicable regulations requiring written policies: AMLD6, MiCA, FATF Recommendations, GDPR, MENA Central Bank AML Rules, EBA/ESMA/EIOPA Guidelines

Quality Assurance (QA) Agent
Decision Quality Control

Purpose

Reviews agent decisions, flags inconsistencies, ensures compliance quality standards

Core Responsibilities

  • Agent decision review and validation
  • Quality control sampling
  • Inconsistency detection
  • Process adherence monitoring
  • Error pattern identification
  • Quality metrics reporting

Best-Practice Tasks

  • Random decision sampling (5-10%)
  • Alert handling quality review
  • Risk scoring validation
  • SAR quality assessment
  • False positive analysis
  • Quality improvement recommendations

Inter-Agent Collaboration

  • Reviews outputs from all operational agents
  • Escalates quality issues to CCO Agent
  • Provides feedback loops to improve agent performance
  • Coordinates with Audit Agent for documentation

Problems Solved

Inconsistent compliance decisionsQuality blind spots in automationRegulatory quality standard gapsAgent performance issues

Regulatory Coverage

EBA Quality Assurance Guidelines, Internal Audit Standards, Basel Compliance Quality

Audit Agent
Audit Trail & Documentation

Purpose

Creates comprehensive audit trails, maintains logs, prepares audit documentation

Core Responsibilities

  • Audit trail generation for all decisions
  • Log maintenance and archival
  • Regulatory audit preparation
  • Evidence documentation
  • Audit report generation
  • Data retention compliance

Best-Practice Tasks

  • Decision log creation with timestamps
  • Agent action tracking
  • Audit-ready documentation packages
  • Regulatory exam evidence preparation
  • Retention policy enforcement
  • Audit finding remediation tracking

Inter-Agent Collaboration

  • Logs actions from all agents
  • Provides audit packages to CCO Agent
  • Coordinates with QA Agent for quality documentation
  • Supports Policy Agent with evidence of compliance

Problems Solved

Missing audit trails for regulatory examsDocumentation gaps during auditsData retention violationsInability to demonstrate compliance

Regulatory Coverage

GDPR Data Retention, AMLD6 Record-Keeping, MiCA Audit Requirements, MENA Documentation Rules

Reporting & Dashboard Agent
Management & Regulatory Reporting

Purpose

Creates dashboards, KPI reports, regulatory submissions, and thematic risk analysis

Core Responsibilities

  • Management dashboard creation
  • KPI and metrics reporting
  • Regulatory report generation
  • Thematic risk analysis
  • Trend visualization
  • Executive reporting

Best-Practice Tasks

  • Real-time compliance dashboards
  • Monthly management reports
  • Quarterly regulatory submissions
  • Alert statistics and trends
  • Risk exposure reporting
  • SAR filing metrics

Inter-Agent Collaboration

  • Aggregates data from all agents
  • Provides executive reports to CCO Agent
  • Supports MLRO Agent with case statistics
  • Coordinates with Audit Agent for report archival

Problems Solved

Lack of compliance visibility for managementManual report preparation burdenRegulatory reporting delaysInability to identify compliance trends

Regulatory Coverage

EBA Reporting Requirements, MiCA Periodic Reporting, MENA Regulatory Submissions

Professional Documentation Standards

Every agent produces audit-ready documentation using standardized templates, regulatory language validation, and version control—ensuring consistency and compliance quality across all written materials

Template Library (30+ Templates)
Standardized forms and templates for all compliance operations
CDD/EDD Forms

Customer Due Diligence and Enhanced Due Diligence forms with mandatory fields, data validation, and risk scoring integration

SAR/STR Narrative Templates

Structured templates for Suspicious Activity Reports with FATF-aligned typologies and regulatory language standards

Risk Assessment Matrices

Customer, product, geographic, and channel risk scoring models with documented methodologies

Internal Control Checklists

Quality assurance checklists for KYC review, alert investigation, EDD approval, and SAR filing

Training & Attestation Forms

Training completion logs, policy acknowledgment forms, and staff attestation tracking

Document Governance Framework
Version control, approval workflows, and audit-ready documentation
Version Control & Change Logs

All policies and templates include version numbering, effective dates, change history, and revision tracking

Approval Workflow Management

Documented approval chains with sign-off tracking, responsible parties, and governance oversight

Regulatory Language Validation

Consistent terminology enforcement, compliance style guides, and regulatory tone validation

Policy Acknowledgment Tracking

Staff policy review tracking, digital attestation management, and acknowledgment evidence retention

Audit-Ready Documentation Packages

Pre-assembled documentation sets for regulatory exams with cross-references and evidence indexes

Agent Education & Continuous Learning

Every agent is continuously trained with real-world typologies, expert contributions, and jurisdictional updates

Expert-Driven Fine-Tuning

Compliance officers, ex-MLROs, and AML investigators from 40+ jurisdictions contribute insights that directly improve agent decision-making:

  • Typology contributions: Real-world laundering schemes, emerging patterns, regional variations
  • Red flag indicators: Jurisdiction-specific suspicious behavior, local enforcement priorities
  • Case examples: De-identified investigations, SAR narratives, regulatory exam findings
  • Risk logic validation: Ex-MLRO review of agent reasoning, decision tree refinement
Cross-Border Intelligence Sharing

The Global AML Intelligence Network enables agents to learn from patterns across jurisdictions:

  • Pattern migration: Detect typologies moving from one region to another (e.g., crypto mixing schemes)
  • Regulatory harmonization: Understand how different jurisdictions interpret FATF recommendations
  • Enforcement trends: Learn from regulatory actions and fines in other countries
  • Emerging threats: Early warning system for new laundering methods before they become widespread
AI Systems Design

Agent Architecture & Reasoning Systems

Every agent designed with context handling, document ingestion, risk scoring, fact-checking, escalation triggers, and compliance validation built-in

Agent Capabilities & Design

Each agent built with specialized capabilities aligned to its compliance role, ensuring consistent performance and regulatory alignment.

  • Context Handling: Maintains conversation history and case context across interactions
  • Document Ingestion: Processes PDFs, images, structured data with OCR and NLP
  • Risk Scoring: Applies documented risk models with transparent score calculation
  • Fact-Checking: Validates information against authoritative sources and registries
  • Escalation Triggers: Automatic routing of high-risk cases to human compliance officers
  • Compliance Validation: Built-in checks ensuring outputs align with current regulations
Inter-Agent Communication Protocol

Structured communication ensures agents share information securely, validate each other's work, and escalate appropriately.

  • Message Bus Architecture: Asynchronous agent communication with queue management
  • Decision Handoffs: Structured data formats for passing case information between agents
  • Validation Requests: Agents can request second opinions from QA and specialist agents
  • Challenge Mechanism: Agents can challenge decisions and request re-analysis
  • Escalation Routing: Automatic escalation to MLRO/CCO when confidence thresholds not met
  • Audit Logging: All inter-agent communications logged for regulatory audit trails
Regulatory Workflow Mapping Into AI Logic
Real AML/CTF obligations converted into explicit AI rules ensuring regulatory compliance
Deterministic Regulatory Logic
  • CDD/EDD Steps: Mandatory document checklist enforcement per AMLD6
  • Screening Processes: Zero false negatives on exact sanctions matches
  • SAR Decision Trees: FATF typology-based automatic trigger thresholds
  • Risk Banding: Transparent score calculation following documented models
Human Oversight Integration
  • SAR Filing: MLRO must review and approve all SARs before submission
  • High-Risk Onboarding: CCO approval required for PEP and high-risk entities
  • Policy Changes: Human compliance officer final authority on all policy updates
  • Exception Handling: Edge cases automatically routed to senior compliance staff