AML, fraud and regulatory reporting

Every report complete, checked and on time.

TraxionRight connects to your core banking system, watches every transaction for fraud and money laundering, and prepares the reports you owe the AMLC, the CIC, the BSP and the CDA. Your compliance officer reviews and signs off. We do the rest.

Book a demo Get sandbox access

Built and run by Traxion, home of Traxion Pay, a BSP-supervised e-money issuer and operator of payment systems. We file these reports ourselves.

Covered transaction reportBatch 2026-10-02 · ready for review

Transactions: 1,284
Passed: 1,281
To review: 3

PassedRequired fields complete1,284 / 1,284
PassedAmounts reconcile to the general ledger₱0.00 gap
ReviewCustomer ID expired before transaction date2
ReviewName close to a watchlist entry1
PassedFiled within the reporting window3 days left

Waiting for compliance officer sign-offAudit trail on

Example screen with sample data.

Built for Rural and thrift banks Cooperatives Microfinance institutions Lending and financing companies E-money issuers and fintechs

Modules

Take the modules you need. Add more when you are ready.

Every module runs on the same connection to your data, so the second one takes days to switch on, not months.

TR-AML

TraxionRight AML

AMLC

Monitors every transaction against your AML rules, screens customers against sanctions and watchlists, and prepares covered and suspicious transaction reports for your compliance officer to approve.

What you get

Rule-based monitoring you can tune without code
Name screening at onboarding and on every list update
Case files with notes, evidence and decisions
Covered and suspicious transaction reports, ready to file

TR-FRAUD

TraxionRight Fraud

Real timeAPI

Scores each transaction as it happens and tells your system to allow it, hold it for review, or stop it. Built for wallets, online banking and loan disbursements.

What you get

A decision in milliseconds, with the reasons behind it
Checks for account takeover, OTP abuse, mule accounts and unusual cash-outs
Velocity and amount limits per customer and per channel
A review queue for held transactions

TR-CREDIT

TraxionRight Credit

CIC

Builds your regular credit data submission to the Credit Information Corporation from your loan records, and catches the errors that get files rejected before you upload.

What you get

Submission file built from your loan and borrower data
Field and format checks before upload
A record of every file sent and every correction made

TR-BSP

TraxionRight BSP Reports

BSP

Maps your chart of accounts once, then prepares your regular BSP reports every period, with checks that the numbers tie back to your books.

What you get

Report lines mapped to your general ledger
Tie-out checks between reports and your trial balance
A filing calendar with reminders before each deadline

TR-COOP

TraxionRight Coop Reports

CDA

Prepares the periodic and annual reports cooperatives submit to the Cooperative Development Authority, from the same data you use to run the coop.

What you get

Membership, loan and financial schedules prepared for you
Checks for missing or inconsistent figures
One place for every report you have filed

TR-INCIDENT

TraxionRight Incident

BSPNPC

Logs security and privacy incidents the moment they are found, starts the regulator notification clock, and keeps the evidence together for the report.

What you get

Incident log with severity, owner and timeline
Notification deadlines tracked from the time of discovery
Draft notices for your officer to complete and send

TR-WATCH

TraxionRight Watch

BSPAMLCCDABIRSECNPC

A plain-language digest of new circulars and issuances, with a short note on what each one means for an institution like yours and what to do next.

What you get

Weekly digest of new issuances
Impact notes for your type of institution
New deadlines added to your filing calendar

How it works

Your data in, finished reports out, a person in charge.

Connect

We link to your core system once, with read-only access, and map your accounts, customers and transactions.

Watch

Transactions are screened and scored as they arrive. Anything unusual opens a case for your team.

Prepare and check

Reports are built on schedule and checked against the rules and your books before anyone sees them.

Approve and file

Your compliance officer reviews, signs off and files. Every step is recorded for your auditors.

Connections

Works with the system you already have.

No need to change your core. Pick the connection that suits your setup.

OneCore

Ready-made connection for institutions on Traxion's core banking system.

OpenFinance

Ready-made connection for banks and coops on the OpenFinance platform.

Database link

A read-only connection to your existing core banking database.

File upload

Scheduled CSV exports from older systems, picked up and checked automatically.

API

Send transactions to us in real time. Required for Fraud decisions.

Sandbox

Test it on sample data before you sign anything.

Your developers get a sandbox with the same API as production, loaded with a sample rural bank, coop and lending company.

Sandbox keys in one day. Separate from live keys, and they never touch real money or real customers.
Sample data you can reset. Customers, loans and a few months of transactions, including cases that should be flagged.
Signed requests. Every call carries a key, a timestamp, a one-time nonce and a signature. Retries are recognized, so nothing is counted twice.
Full API reference. An OpenAPI file your team can load into their own tools.

Score a transaction in the sandbox

# Ask TraxionRight Fraud for a decision
curl https://sandbox.traxionright.com/v1/fraud/score \
  -H "X-TR-Key: trk_test_..." \
  -H "X-TR-Timestamp: 1791100800" \
  -H "X-TR-Nonce: 9c41e07a2b5d4f18" \
  -H "X-TR-Signature: v1=..." \
  -H "Idempotency-Key: 7f3c-0412" \
  -d '{"external_id":"TX-88120","account_id":"ACC-1042",
       "type":"cash_out","amount_centavos":4950000,
       "channel":"agent","occurred_at":"2026-10-02T14:05:00+08:00"}'

# Response
{
  "decision": "review",
  "score": 72,
  "reasons": ["cash_out_after_new_cash_in", "amount_above_customer_norm"]
}

Safeguards

Your data, your officer, your decision.

A person approves every filing

TraxionRight prepares and checks. Nothing goes to a regulator without your compliance officer's sign-off.

Separate and encrypted

Each institution's data sits in its own encrypted space. Your data is never mixed with another client's.

Read-only access

Our connections read from your systems. They cannot post, change or delete anything in your core.

Everything on record

Every rule change, case decision and file sent is logged with who did it and when, in a record that cannot be edited.

Protected API

Signed requests, short-lived timestamps and per-client limits keep the API from being abused or replayed.

Data Privacy Act ready

Personal data is handled under the Data Privacy Act, with access limited to the people who need it.

Pricing

Priced for rural banks and coops, not the top ten banks.

A monthly subscription per module, plus a one-time setup to connect and map your data. Ask us for a quote based on your size.

Setup

Connection to your core, data mapping and a test run on your own data.

One time

Modules

AML, Fraud, Credit, BSP Reports, Coop Reports, Incident and Watch. Take one or all.

Monthly

Compliance as a Service

Add our compliance team for AML programs, policy kits and data privacy support.

Optional

With OneCore or OpenFinance

Already on a Traxion platform? Your connection is ready on day one.

Bundle

Talk to us

See TraxionRight on your own reports.

Tell us what you file and how often. We will show you each step on sample data and send you a quote.

txnhelp@traxiontech.net

Phone

(02) 8254-3643