Truly Continuous Risk Surveillance–Without the Noise

Smart Monitoring

 

In an era where regulatory expectations demand perpetual KYC, traditional periodic reviews simply don’t cut it. Financial crime evolves by the hour — and your monitoring program should too.

Vital4’s Smart Monitoring is a real-time surveillance engine designed to track changes in sanctions, adverse media, and politically exposed persons (PEPs). Unlike legacy batch tools, it only alerts you when something has changed — a new record, or a meaningful update to an existing one — so Fintechs can focus on what matters, not dig through irrelevant alerts.

 

Sanctions & Watchlists

Stay compliant with evolving regulatory regimes. We continuously ingest data from over 6,000 global sources including OFAC, UN, EU, and HMT, alerting you only when new risks arise.

Adverse Media

Get immediate notification when individuals or entities in your database appear in high-risk media coverage. Our AI-powered classification system surfaces only relevant news events.

Politically Exposed Persons (PEPs)

Track real-time changes to PEP status including appointments, elections, and legal actions. Smart Monitoring keeps your PEP data current, automatically and continuously.

The Vital4 Advantage

  • Only alerting on new or changed records to eliminate unnecessary reviews
  • Fully customizable alerting based on your organization’s unique risk thresholds
  • Real-time data ingestion from primary global sources—no third-party lag
  • Audit-ready trail for all alerts and actions
  • Deployable via API, UI, or batch for any workflow

Who Benefits from Vital4 Smart Monitoring?

Our smart monitoring software allows entities and companies — across the industries of Fintech, Fraud & AML Operations, GRC & Orchestration Platforms, Corporations and Third-Party Risk Teams — to monitor red flags and stay compliant with real-time surveillance.

  • Reduce operational burden while staying aligned with AML regulations
  • Detect risk escalations in real-time instead of relying on static reviews
  • Minimize false positives and manual triage efforts

  • Link sanctions or adverse media events to suspicious behavioral patterns
  • Use Smart Monitoring as a signal to enhance transaction or account monitoring
  • Trigger case reviews based on real-time risk elevation

  • Embed Smart Monitoring into your broader compliance solution stack
  • Offer real-time alerting as a value-added feature to clients
  • Leverage white-label options for rapid deployment

  • Monitor suppliers, vendors, and partners across borders
  • Integrate into existing due diligence workflows to support ESG or reputational risk programs
  • Customize alerting by risk category, geography, or business unit

Smart Monitoring in Action

Whether monitoring 1,000 entities or 1 million, our platform scales effortlessly. Clients see a drastic reduction in noise and review hours while improving responsiveness to real threats.

Key outcomes include:

  • Up to 99% reduction in false positives
  • Streamlined compliance documentation and audit response
  • Improved coordination between AML, fraud, and third-party risk teams

Why It Matters

Regulators across jurisdictions are intensifying scrutiny around ongoing due diligence, particularly for high-risk customers and third parties. At the same time, compliance teams are stretched thin, and false positives remain a massive time drain.

Smart Monitoring was built to break that cycle. With real-time data ingestion, proprietary AI-driven filtering, and customizable alerting thresholds based on your risk appetite, it delivers actionable intelligence, not alert fatigue.

Always-On Risk Intelligence—Only When It Matters

With Vital4 Smart Monitoring, you can trust that your system is always working—but only calls your attention when it really needs to. Less noise. More confidence. 

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Insights from Vital4​

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