Industries · Banking and insurance
Fewer holdups and an AML assessment that stands up to audit.
Fewer holdups of customers at branches and ATMs: reinforce the few points that concentrate the risk, with a geographic assessment your compliance officer can defend.
A geographic assessment your compliance officer can defend before the auditor
Geographic AML risk by branch: incidents, criminal-group presence and final level, with the source for each data point
| Branch | Incidents | Group presence | Level | Action |
|---|---|---|---|---|
| S-014Border municipality, north | Confirmed | Enhanced due diligence | ||
| S-022Industrial corridor, Bajío | Confirmed | Enhanced due diligence | ||
| S-031Port municipality, Pacific | Probable | Quarterly monitoring | ||
| S-007Metro area, center | Possible | Quarterly monitoring | ||
| S-045Mid-size city, southeast | No evidence | Standard | ||
| S-003Tourist municipality, south | No evidence | Standard |
Incidents and level on a 1-to-5 scale. Each presence level carries its public source.
Example with sample data
What hits you most
1 · Branches and ATMs
The few points that concentrate the risk
Every branch and ATM with its risk by hour, compared against the rest of the network, to reinforce where holdups really happen.
2 · Data science
Where should your ATMs be?
For one bank we computed each ATM’s risk by 400 m² hexagon; crossed with its profitability, it says which to move, reinforce or open.
Each ATM’s risk and profitability, on one chart
Every dot is an ATM: further right, more risk; higher up, more profitable
↑ ProfitabilityRisk →
Example with sample data
3 · Staff in the field
Collectors and claims adjusters who come back safe
The lowest-risk route to every visit, tracking with their phone and an assistance button someone answers.
4 · AML and regulatory risk
Your geographic assessment, with the designated groups
The geographic focus your AML framework requires: presence of cartels designated as terrorist organizations and the OFAC list by municipality, for customers, branches and agents.
5 · Political risk
The financial rules that are coming
Bills in state gazettes and the DOF (Mexico’s federal register), CNBV rules and changes of government that alter how you operate in each state.
To get started
Fewer holdups and an AML assessment that stands up to audit.
Customer stories
Most-used modules
- Crime ScienceSpend on security only where and when the risk is.
- People protectionYour people in the field press a button and someone answers within minutes.
- Route riskLeave when there are no thefts or blockades.
- AlertsChange the plan before the blockade stops you.
- Regulatory RiskKnow whether your operation touches a designated group before the authorities do.
- Political RiskYour full exposure to government, before the rules change.
Compliance
- Risk-based assessment with a geographic focus for AML
- ISO 27001, NDA and anti-corruption letter as supplier requirements
Frequently asked questions
What does Aleph do for branches and ATMs?
The risk of every branch and ATM by hour and day, compared against the network, to allocate guards, cameras and schedules; and the cross of risk with profitability per ATM.
And for claims adjusters, collectors and executives in the field?
Parvada: lowest-risk route, phone tracking and a panic button answered by Centro or by your own center, as a bank with a nationwide network does.
Does it work for the geographic AML assessment?
Yes. Risk analysis by municipality and by branch, with the source of every figure, for the risk matrix that anti-money-laundering regulation requires.