Detect high-risk links across people and businesses

spektr’s AI-native platform is designed for complete transparency, not opacity. While many AI systems operate as black boxes, spektr ensures that every AI-driven decision can be fully reviewed, explained, and controlled by your team. Its modular architecture allows human oversight and intervention at any stage, following ISO 42001 best practices for human-in-the-loop governance. Each AI-generated record, report, and risk decision includes full data provenance and lineage, clearly citing the underlying sources and showing the reasoning path and confidence level. This means your compliance team retains full visibility across onboarding, monitoring, and review cycles, with all AI logic traceable to its origin. During continuous monitoring, when real-time alerts or off-cycle risk changes occur, the platform highlights both the flagged data points and the decision context— ensuring transparency, accountability, and regulator-ready auditability throughout every compliance layer.

Uncover indirect links spektr’s Network Discovery AI helps institutions manage indirect liability and exposure to hidden third-party affiliations by mapping complex corporate and individual relationships across structured and unstructured data sources. The AI automatically detects connections between entities such as shared addresses, directors, or ownership ties that might indicate indirect control, financial dependency, or exposure to sanctioned or high-risk actors. By doing so, it reveals networks where your institution could face reputational or compliance risks even without a direct transaction link.

‍Conflating layered ownership During screening, the system cross-references UBOs and PEPs across global watchlists, financial records, and media sources to surface indirect associations that could otherwise remain concealed within layered ownership structures. When AI screens uncover potential third-party liability indicators, such as links to fraud networks, shell companies, or politically exposed entities, these are automatically flagged for human review, making oversight continuous and risk assessments more defensible.

Enterprise data has to be processed by the cloud because spektr’s AI tools run on our own proprietary platform and not as wrappers around other third-party databases, which is how we manage to integrate connection graphs and cross-relational mapping. Nonetheless, spektr prioritizes data security and control, allowing your institution to limit data access strictly via the least-privilege principle. If needed, compliance checks or case management can be run selectively on limited cases or clients, giving your team granular control. Additionally, the platform’s AI tools are modular and plug-and-play, so you can easily customize and adapt the AI functionality to meet evolving internal policies or regulatory demands while maintaining secure data governance and compliance.