Real-time AML vs batch screening
Real-time AML screening returns a result during onboarding or a payment so you can allow, review, or hold before the account is live. Batch screening re-checks a file of customers or counterparties on a schedule, usually after watchlists change.
| Dimension | Real-time | Batch | Where Naiza fits |
|---|---|---|---|
| When to use | Onboarding, payout, money about to move | Watchlist deltas and back-book refresh | Real-time screening and automatic re-screening on list updates |
| Window | During the user or payment wait | On a schedule after lists change | Synchronous screening during onboarding or payment |
| Failure mode | Timeout without a fail-closed plan | Overnight file missing a 14:00 payout | Live screening before the next product action |
What real-time should own
Customer activation, payout creation, and high-value transfers. If the user is waiting, you need a synchronous AUTO_CLEAR, REVIEW, or CONFIRMED outcome and an identifier to store. Timeouts need a documented fail-closed or fail-open policy.
What batch should own
Watchlist delta re-screening, back-book reviews, and investigator throughput. Batch is the right tool when the customer is already onboarded and you are catching list updates—not when money is about to move.
When Naiza is the better fit
Naiza combines real-time screening at onboarding and payment with ongoing re-screening on watchlist updates. Screening identifiers connect new matches to customer records and investigation cases. Use real-time checks where the next product action depends on the result.
Frequently asked questions
Answers about screening, risk signals, and Naiza integration.
Is real-time AML screening required at onboarding?
Real-time screening gives the onboarding flow a result before account activation. Route AUTO_CLEAR, REVIEW, or CONFIRMED into the next product step and retain the screening identifier.
Can we only run nightly batch screening?
Nightly jobs miss the payment that happened at 14:00. Use batch for refresh, not as the only control on money movement.
How does Naiza handle list updates?
Naiza refreshes watchlist sources and supports automatic re-screening on list updates. Keep stable customer identifiers so new matches connect to the customer and investigation record; use real-time checks for new onboarding and counterparties.