AML & Financial Crime Compliance Policy
Last Updated: April 1, 2026
1. Purpose
TransactBridge is committed to maintaining the highest standards of integrity, transparency, and regulatory compliance in the provision of its payment infrastructure and related services.
This Anti-Money Laundering (AML) and Financial Crime Compliance Policy outline the principles and controls implemented by TransactBridge to prevent its services from being used for:
- money laundering
- terrorist financing
- fraud
- sanctions violations
- other financial crimes
TransactBridge aims to maintain a robust compliance framework aligned with global regulatory expectations and industry best practices.
2. Scope
This Policy applies to:
- Merchants using the TransactBridge platform
- Customers and end users interacting with the platform
- Employees, contractors, and representatives of TransactBridge
- Third-party partners and service providers where applicable
All parties interacting with TransactBridge are expected to comply with applicable financial crime laws and regulations
3. Compliance Framework
TransactBridge implements a risk-based compliance framework designed to identify, assess, and mitigate financial crime risks associated with payment processing and related services.
The framework includes controls relating to:
- Customer due diligence
- merchant onboarding verification
- transaction monitoring
- fraud detection systems
- sanctions screening
- regulatory reporting obligations
These controls are designed to comply with applicable financial crime prevention regulations in jurisdictions where TransactBridge operates.
4. Customer and Merchant Due Diligence
TransactBridge conducts appropriate Know Your Customer (KYC) and Know Your Business (KYB) checks as part of its merchant onboarding and account verification processes.
These procedures may include:
- identity verification of individuals
- verification of business registration and ownership
- review of beneficial ownership structures
- screening against sanctions lists and watchlists
- evaluation of business models and risk profiles
Additional enhanced due diligence may be applied to higher-risk merchants or transactions.
5. Transaction Monitoring
TransactBridge maintains systems and processes designed to monitor transactions for potential suspicious activity.
Monitoring mechanisms may include:
- automated fraud detection systems
- behavioral analysis of transactions
- monitoring for unusual payment patterns
- risk scoring of transactions
- detection of potential transaction laundering
Transactions identified as potentially suspicious may be reviewed by appropriate risk or compliance personnel.
6. Sanctions Compliance
TransactBridge is committed to complying with applicable economic sanctions laws and regulations.
Transactions may be screened against relevant sanctions lists, including those issued by authorities such as:
- the U.S. Office of Foreign Assets Control (OFAC)
- the European Union sanctions lists
- the United Kingdom sanctions regime
- other relevant international regulatory authorities
TransactBridge reserves the right to block, suspend, or refuse transactions involving sanctioned individuals, entities, or jurisdictions.
7. Fraud Prevention
TransactBridge maintains risk management and fraud prevention mechanisms designed to protect merchants, customers, and financial partners.
These mechanisms may include:
- fraud detection tools
- identity verification checks
- transaction pattern monitoring
- payment authentication measures
- chargeback risk monitoring
Where fraud risks are identified, TransactBridge may take actions such as restricting accounts, reviewing transactions, or suspending services.
8. Suspicious Activity Reporting
Where required by applicable laws or regulations, TransactBridge may report suspicious activity to appropriate regulatory or law enforcement authorities.
Such reporting may occur without prior notice to the affected merchant or user where legally required.
TransactBridge may also cooperate with regulatory authorities, financial institutions, and law enforcement agencies in investigations related to financial crime.
9. Record Keeping
TransactBridge maintains records relating to compliance activities, including:
- merchant verification records
- transaction monitoring data
- compliance reviews and investigations
Such records may be retained for periods required by applicable laws, regulations, or financial partner obligations.
10. Account Restrictions and Enforcement
If TransactBridge determines that an account or transaction may involve financial crime risks, TransactBridge may take appropriate action including:
- temporarily suspending transactions
- restricting account access
- conducting compliance investigations
- freezing funds where required by law
- terminating services
These measures may be taken to comply with legal obligations, regulatory requirements, or risk management policies.
11. Employee Training and Awareness
TransactBridge promotes internal awareness of financial crime risks and may implement training programs designed to help relevant personnel identify and respond to potential money laundering or fraud risks.
Employees involved in risk, compliance, and operational roles may receive training related to:
- AML obligations
- fraud detection
- suspicious activity identification
- regulatory reporting requirements
12. Cooperation with Financial Institutions
TransactBridge works with banking partners, payment networks, and financial institutions to ensure compliance with financial crime prevention obligations.
This may include information sharing where permitted or required under applicable law.
13. Policy Updates
TransactBridge may update this AML & Financial Crime Compliance Policy from time to time to reflect:
- regulatory developments
- changes in financial crime risks
- updates to internal compliance frameworks
- operational or technological improvements
The most recent version will be published on the TransactBridge website with an updated “Last Updated” date.
14. Contact Information
For questions regarding this policy or compliance matters, please contact: