AML Compliance & Financial Crime Risk Management for Insurers
Manage financial crime risk across customers, policies, premiums and claims with connected screening, risk assessment, monitoring and investigation capabilities.
Manage financial crime risk across customers, policies, premiums and claims with connected screening, risk assessment, monitoring and investigation capabilities.
Insurance Challenges
Insurers must manage evolving financial crime and compliance risks across complex customer relationships, premium payments, policies and claims.
Growing claims volumes and complex fraud typologies make suspicious activity harder to identify and investigate.
Insurance products can be misused for money laundering through unusual, high-value or complex premium payments.
Insurers need effective screening to identify potential exposure to sanctioned, high-risk or politically exposed individuals and entities.
Evolving AML and financial crime obligations require consistent risk assessments, monitoring and well-documented compliance processes.
From customer onboarding to policy servicing and ongoing monitoring, ZIGRAM helps connect financial crime risk intelligence across the insurance lifecycle.
Screen customers and relevant parties against sanctions, PEP and adverse media data.
Assess customer and policyholder risk using configurable factors, intelligence and risk models.
Monitor relevant transactions and activity to identify unusual patterns and potential financial crime risks.
Investigate alerts with connected customer, transaction and external risk intelligence.
Continuously monitor customers and relevant parties as new risk information emerges.
From customer onboarding to policy servicing and ongoing monitoring, ZIGRAM helps connect financial crime risk intelligence across the insurance lifecycle.
Screen customers and relevant parties against sanctions, PEP and adverse media data.
Assess customer and policyholder risk using configurable factors, intelligence and risk models.
Monitor relevant transactions and activity to identify unusual patterns and potential financial crime risks.
Investigate alerts with connected customer, transaction and external risk intelligence.
Continuously monitor customers and relevant parties as new risk information emerges.
Build connected compliance operations that help manage financial crime and fraud risks while supporting efficient customer and policyholder experiences.
Screen customers and relevant entities against global sanctions, PEP and adverse media data.
Connect customer, policy, payment and external risk intelligence to support better-informed decisions.
Bring relevant intelligence and risk context together to help teams investigate alerts efficiently.
Improve alert quality and help teams focus on higher-priority risks requiring further review.
Manage growing customer, policy and transaction volumes without proportionally increasing manual compliance effort.
Maintain clearer records, workflows and decision trails to support internal reviews and regulatory requirements.
We leverage our proprietary Integrated RegTech Stack to offer the Risk Application Ecosystem to customers across the world, to help manage risks and compliance driven use cases
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Manage customer risk and financial crime exposure across policies, premium payments and long-term customer relationships.
Support scalable screening, risk management and investigation workflows across large policyholder bases.
Manage financial crime and compliance risks across diverse customers, products and insurance transactions.
Screen relevant entities and manage risk across complex relationships, counterparties and high- value transactions.
Key questions on customer screening, premium monitoring, claims risk, and financial crime compliance across the insurance lifecycle.
Insurance products can be used to place and layer funds, particularly single-premium or investment-linked life policies that can be surrendered early for clean proceeds. Insurers also carry sanctions exposure through policyholders, beneficiaries and counterparties, alongside claims fraud that grows harder to spot as volumes rise.
By applying a risk-based programme across the policy lifecycle: screening at onboarding, a documented customer risk assessment, monitoring of premiums, surrenders and claims, and periodic review of higher-risk relationships. Keeping those steps in one connected workflow makes risk decisions consistent and leaves a defensible audit trail.
Yes. Screening can cover policyholders, beneficiaries, intermediaries and corporate counterparties against sanctions, PEP, watchlist and adverse media data, both at onboarding and as an ongoing re-screen when those lists change or a policy is amended.
Monitoring rules can flag patterns associated with laundering through insurance: unusually high premiums relative to the customer's profile, payments from unrelated third parties, overpayment followed by refund requests, and early surrender shortly after a policy is written. Flagged activity is routed for review with the customer context attached.
ZIGRAM connects screening, customer risk assessment, activity monitoring and investigation in a single workflow backed by global risk intelligence, so insurers can manage risk across policies, premiums and claims with clear records supporting internal reviews and regulatory requirements.
Discover how ZIGRAM helps insurers manage financial crime risk with connected screening, risk assessment, monitoring and investigation capabilities
AML Screening & Risk Intelligence
Customer & Policyholder Risk Rating
Transaction Monitoring & Investigation
Fraud & Financial Crime Risk Management
Ongoing Monitoring & Regulatory Compliance Fill out the form and our team will connect with you
Our team will reach out within the next 8 hours. If this request is time sensitive, please email us at sales@zigram.tech.
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