Geographic risk intelligence for AML and fraud
One API returns zip-code-level risk scores, enrichment for phone, IP, bank and legal entity data, and the geographic mismatches that point to fraud — across 41,000+ US zip codes.
Three products. One API.
Start with AML risk scoring, add enrichment for the data you already collect, and layer on analytics that catch what single-field checks miss.
GeoAML
Eight ML-driven risk factors — HIDTA, HIFCA, GTO, Southwest Border, drug trafficking, industry risk, international nexus and TBML — combined into one composite score for every US zip code.
Explore GeoAMLGeoEnrich
Turn a zip code, phone number, IP address, routing number or business name into context: geography, demographics, bank details, legal entity records and alternative data such as gang territory.
Explore GeoEnrichGeoAnalytics
Compare address, phone, IP, counterparty and bank to surface mismatches, and score fraud signals like elder abuse risk and banking outside of jurisdiction — with weights you control.
Explore GeoAnalyticsKnow Your Geography
Send a transaction or an entity. Get enriched risk intelligence back in real time. Behind each response is the KYG pipeline:
Collect
1B+ data points from government, financial and proprietary sources.
Normalize and aggregate
Standardized across country, state, CBSA, county and zip code layers.
Feature selection
Predictive features chosen and transformed for the models.
Machine learning
Models for drug trafficking, industry risk and anomaly detection.
Risk indicators
Tiered scores returned by API or delivered as data files.
{
"transactionId": "91c29-0ad201-ajh19-01lsl-01lsa",
"transactionType": "ZELLE",
"mainEntityName": "ABC Atlantic Partners",
"mainZipCd": "79922",
"mainPhoneAreaCd": "718",
"ipAddress": "17.172.224.47",
"amount": 8718.12,
"counterPartyZipCd": "10001",
"counterPartyRoutingNumber": "211672609"
}
{
"mainZipEnriched": {
"mainZipIsHIDTA": true,
"mainZipIsHIFCA": true,
"mainZipMilesFromSWB": 1,
"mainZipDrugTraffickingRiskLevel": 2,
"mainZipGeographicAMLRiskScore": 35,
"mainZipElderlyCategory": "4-Hgh"
},
"geoAnalytics": {
"mainZipToPhoneStateMatch": false,
"mainZipToIPDistance": 959,
"mainPhoneToIPDistance": 2561,
"counterPartyToFIStateCdMatch": false
},
"counterPartyBranchesEnriched": {
"counterPartyBranchesClosestDistanceMiles": 1974.36
}
}
Built for the full financial crime lifecycle
From onboarding to transaction monitoring to investigations.
CDD and risk rating
Enrich customer profiles at onboarding with zip-level AML risk scores and demographic risk factors.
Transaction monitoring
Feed geographic risk scores and cross-attribute mismatches into your TMS rules and models.
Banking outside of jurisdiction
Detect when a counterparty banks far from their stated address using branch proximity analysis.
Elder abuse risk
Flag incoming payments to zip codes with high concentrations of residents 62 and older.
Fraud and scam classification
Tag cases with an authorized / unauthorized fraud taxonomy and scam subcategories.
New location risk
Evaluate geographic risk before opening a branch or entering a new market.
What changes on day one
Geographic enrichment replaces manual analyst lookups and binary county-level flags.
Zip-code granularity instead of binary flags
Five-tier ML risk scores at the zip-code level replace county-wide HIDTA designations, so a quiet suburb is no longer scored like a trafficking corridor.
Real-time enrichment
One API call returns risk scores, enrichment and mismatch checks, cutting onboarding research from weeks to minutes.
Ready to enrich your risk data?
Book a demo or go straight to the API documentation.