What is transaction monitoring?
Transaction monitoring is the ongoing review of payments, transfers, and related activity to find unusual patterns—structuring, rapid movement of funds, or counterparties that were not risky at onboarding.
Real-time decisions vs monitoring
A real-time fraud API decides ALLOW, REVIEW, or BLOCK on the event in front of you. Transaction monitoring looks across many events: velocity over days, networks of counterparties, and changes after the account was opened. Most regulated products need both.
How Naiza contributes
Naiza evaluates each product event as it happens and can screen payment counterparties through the AML API. That is event-level monitoring with an audit identifier. It is not a full case-management suite for SAR filing; your operations tooling still owns the case file.
When batch still matters
Overnight re-screening of the book, watchlist delta files, and investigator queues are often batch jobs. Pair them with real-time holds on the payment path. See the real-time vs batch comparison for the split.
Frequently asked questions
Short answers written so search and answer engines can cite them.
What is transaction monitoring in AML?
It is ongoing surveillance of customer transactions to detect unusual activity that may indicate money laundering or fraud.
Is real-time event scoring the same as TM?
It is part of TM. Classic TM also includes cross-event patterns and periodic reviews. Use both if you move funds at scale.
How do I start with Naiza?
Instrument payment and transfer events, add counterparty screening where money leaves the platform, and store event and screening ids on the transfer record.