AI-Driven Compliance Intelligence for BFSI Institutions
Regulatory obligations in Singapore and Malaysia's banking and financial services sector are growing in volume, specificity, and enforcement intensity. Monetary Authority of Singapore, Bank Negara Malaysia and other global regulators expect institutions not just to comply, but to demonstrate systematic, evidence-backed compliance, and the cost of falling short has never been higher.
Sciente composes AI and data solutions for Governance, Risk & Compliance (GRC) and Financial Crime Compliance (FCC). Our compositions - the Signal suite - are built around specific regulatory mandates, delivered as defined-scope engagements, and designed to sit alongside your existing platforms. No displacement. Protecting your investment.
That's why we invite you to explore what a Signal composition could mean for your institution.
Sciente composes AI and data solutions for Governance, Risk & Compliance (GRC) and Financial Crime Compliance (FCC). Our compositions - the Signal suite - are built around specific regulatory mandates, delivered as defined-scope engagements, and designed to sit alongside your existing platforms. No displacement. Protecting your investment.
That's why we invite you to explore what a Signal composition could mean for your institution.
Our Signal Compositions: Bridging Regulatory Depth and AI Delivery
Sciente is a Singapore-headquartered data and AI consulting firm with 19 years of BFSI technology delivery experience. Our GRC and Financial Crime Compliance practice is built to fill the structural gap in the market.
We compose AI and data solutions anchored to specific regulatory mandates - MAS Notice 626, MAS Notice 658, BNM AML/CFT Policy, FATF Recommendation 24, and deliver them as defined-scope engagements that expand into recurring managed service relationships. Our technology stack — Dataiku, Denodo, Anthropic Claude, Neo4j, AWS for MAS-aligned cloud infrastructure, is chosen for auditability, explainability, and regulatory defensibility. Every composition is designed to produce evidence that holds up under supervisory examination.
We are also deliberate about what we commit to. We enter with a focused engagement and expand based on demonstrated results. If Sciente is not the right partner for your specific situation, we will tell you that directly.
We compose AI and data solutions anchored to specific regulatory mandates - MAS Notice 626, MAS Notice 658, BNM AML/CFT Policy, FATF Recommendation 24, and deliver them as defined-scope engagements that expand into recurring managed service relationships. Our technology stack — Dataiku, Denodo, Anthropic Claude, Neo4j, AWS for MAS-aligned cloud infrastructure, is chosen for auditability, explainability, and regulatory defensibility. Every composition is designed to produce evidence that holds up under supervisory examination.
We are also deliberate about what we commit to. We enter with a focused engagement and expand based on demonstrated results. If Sciente is not the right partner for your specific situation, we will tell you that directly.
AML Signal - Financial Crime Compliance Transformation
Anti-Money Laundering (AML) detection systems in most institutions generate alert volumes that overwhelm compliance teams, with false positive rates that direct analyst effort away from genuine financial crime risk. Investigators spend the majority of their time closing alerts they did not need to open, while the risk that matters waits in the queue.
AML Signal is a composed solution that reduces alert noise, prioritises investigative effort, and produces auditable outcomes aligned with MAS Notice 626 for AML/CFT controls and transaction monitoring. It deploys alongside your existing transaction monitoring platform - Actimize, Oracle Mantas, or equivalent - without displacing it. From prioritising the alerts that matter to producing audit-ready evidence for regulatory examination, every outcome is built in from day one.
AML Signal expands naturally into UBO Signal for beneficial ownership and perpetual KYC, giving institutions a connected financial crime intelligence capability built on a single trusted data foundation.
AML Signal is a composed solution that reduces alert noise, prioritises investigative effort, and produces auditable outcomes aligned with MAS Notice 626 for AML/CFT controls and transaction monitoring. It deploys alongside your existing transaction monitoring platform - Actimize, Oracle Mantas, or equivalent - without displacing it. From prioritising the alerts that matter to producing audit-ready evidence for regulatory examination, every outcome is built in from day one.
AML Signal expands naturally into UBO Signal for beneficial ownership and perpetual KYC, giving institutions a connected financial crime intelligence capability built on a single trusted data foundation.
UBO Signal — Ultimate Beneficial Ownership and Perpetual KYC
Knowing who ultimately owns and controls a corporate customer is a fundamental obligation under MAS Notice 626 and BNM AML/CFT requirements, and one of the hardest to fulfil in practice. Multi-layer corporate structures, nominee arrangements, and cross-border holding chains are designed to be difficult to trace. Manual processes were not built for the structures that exist today.
UBO Signal is a composed solution that resolves beneficial ownership across complex corporate structures, delivering a complete and continuously updated ownership picture that manual tracing cannot produce. Every chain is screened, every material registry change is flagged, and every finding is grounded in citeable source documentation, making output examination-ready from the outset. Built to meet MAS Notice 626 obligations for UBO identification and the ongoing accuracy of CDD records, FATF Recommendation 24 on beneficial ownership transparency, and BNM AML/CFT and TFS for FIs for Malaysian institutions.
UBO Signal is deployable as a standalone solution or as an intelligence module within AML Signal — no displacement of your existing CDD platform investment required.
UBO Signal is a composed solution that resolves beneficial ownership across complex corporate structures, delivering a complete and continuously updated ownership picture that manual tracing cannot produce. Every chain is screened, every material registry change is flagged, and every finding is grounded in citeable source documentation, making output examination-ready from the outset. Built to meet MAS Notice 626 obligations for UBO identification and the ongoing accuracy of CDD records, FATF Recommendation 24 on beneficial ownership transparency, and BNM AML/CFT and TFS for FIs for Malaysian institutions.
UBO Signal is deployable as a standalone solution or as an intelligence module within AML Signal — no displacement of your existing CDD platform investment required.
Control Signal - AI-Powered Control Testing as a Service
Control testing across most banks remains annual, sample-based, and heavily manual. Compliance and internal audit teams spend months producing testing evidence that covers a fraction of the control population - leaving significant gaps that examiners increasingly identify during supervisory reviews.
Control Signal is a composed solution that replaces periodic manual reviews with continuous, AI-assisted testing across control domains, producing defensible, examiner-ready evidence for internal audit and regulatory oversight. Control Signal is delivered as a modular service - domain by domain, starting where risk and urgency are highest - with each module generating reusable testing IP and building the business case for the next.
Control Signal is GRC platform-agnostic and integrates alongside MetricStream, ServiceNow GRC, AuditBoard, and equivalent platforms without requiring displacement. Coverage domains include AML controls, operational risk, credit risk controls, and conduct risk, with the framework extending to any area where systematic control evidence is required.
Control Signal is a composed solution that replaces periodic manual reviews with continuous, AI-assisted testing across control domains, producing defensible, examiner-ready evidence for internal audit and regulatory oversight. Control Signal is delivered as a modular service - domain by domain, starting where risk and urgency are highest - with each module generating reusable testing IP and building the business case for the next.
Control Signal is GRC platform-agnostic and integrates alongside MetricStream, ServiceNow GRC, AuditBoard, and equivalent platforms without requiring displacement. Coverage domains include AML controls, operational risk, credit risk controls, and conduct risk, with the framework extending to any area where systematic control evidence is required.
Financial Statement Risk Engine (FSRE)
Regulators have small teams monitoring thousands of listed companies. Banks lend against financials they cannot continuously verify. Institutional investors hold positions in entities they cannot systematically watch. The common structural problem is the same: sophisticated financial frauds - related-party manipulation, circular trading, hidden ownership networks - slip through until a collapse occurs.
FSRE is an AI-powered surveillance engine that analyses public filings and corporate disclosures at scale, surfaces entities with elevated risk profiles, and produces evidence-backed findings ready for supervisory action or investigation. Every finding is grounded in a citeable source, a specific disclosure, a registry record, a regulatory filing, making output examination-ready and investigation-ready from the outset. The engine moves institutions from reactive, random sampling to systematic, full-coverage surveillance.
From random sampling to systematic surveillance, FSRE addresses need across market regulators and central banks, trade finance and corporate lending, asset managers and institutional investors, external audit firms, M&A due diligence, sovereign and pension fund portfolio oversight, stock exchanges and listing sponsors, tax authorities, and forensic investigations — anywhere that financial statement integrity and hidden ownership carry material risk.
FSRE is an AI-powered surveillance engine that analyses public filings and corporate disclosures at scale, surfaces entities with elevated risk profiles, and produces evidence-backed findings ready for supervisory action or investigation. Every finding is grounded in a citeable source, a specific disclosure, a registry record, a regulatory filing, making output examination-ready and investigation-ready from the outset. The engine moves institutions from reactive, random sampling to systematic, full-coverage surveillance.
From random sampling to systematic surveillance, FSRE addresses need across market regulators and central banks, trade finance and corporate lending, asset managers and institutional investors, external audit firms, M&A due diligence, sovereign and pension fund portfolio oversight, stock exchanges and listing sponsors, tax authorities, and forensic investigations — anywhere that financial statement integrity and hidden ownership carry material risk.
What makes us different
We occupy a distinct position: deep MAS, BNM and global regulatory domain knowledge, combined with the AI and data engineering capability, and supported by our award-winning talent services division, to build and operate solutions that are actually delivered.
Our Sciente
Everything we do flows from three commitments: delight our clients, grow responsibly, and serve our community. That is the Sciente Way — and it guides every engagement, every decision, and every relationship we build.
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