An IT solution which ensures the monitoring of transactions and customer behaviour using current and backward information on customers and transactions performed at the disposal of financial institution.

The financial institution should ensure the monitoring of customers and their transactions on a permanent basis. This includes a careful monitoring of transactions to ascertain whether they correspond to the information at the disposal of the institution on the customer's economic or personal activity and comply with the level of money laundering and terrorism and proliferation financing risks initially identified and assigned to the customer, as well as to identify suspicious transactions.

This IT solution may provide the result of customer daily transactions monitoring by generating system alerts and special reports in cases where there are characteristics of suspicious transactions or increased risk and/or deviations from the customer's business profile (e.g., exceeding transaction limits, changing geography or economic activity).

In addition, the systems for transaction and customer behaviour monitoring may provide for the possibility of creating draft reports for submission to the responsible authorities.