Built for the operations that carry the obligation
Sentrix is the same decisioning, screening, case and audit platform across regulated payments — configured to the risk each operator actually carries. These are representative scenarios, not named customers.
Payment service providers
Merchant onboarding & transaction monitoring
Operator PSP risk & onboarding teams
A PSP onboards merchants at volume and must screen each business and its beneficial owners, then monitor settlement flows for the life of the relationship. Manual review does not scale, and a missed sanctions or high-risk-MCC signal is a regulatory and card-scheme problem.
How Sentrix fits
- ▸ Score merchant applications at onboarding with KYB and beneficial-owner risk signals in the decisioning engine
- ▸ Screen the business and owners against sanctions, PEP and adverse-media lists, opening a case on any hit
- ▸ Monitor settlement patterns against rules for velocity, geography and MCC risk, re-screening as lists change
- ▸ Give the risk team one queue for the alerts that need a human, with a full reason trail per decision
Electronic money institutions
AML operations for wallets & accounts
Operator EMI compliance & MLRO function
An EMI issues accounts and wallets and carries direct AML obligations under its licence. It needs consistent CDD at onboarding, ongoing monitoring of account activity, and a clean path from alert to suspicious-activity report that an examiner can follow.
How Sentrix fits
- ▸ Encode CDD and risk-rating logic as versioned rules the compliance team owns and tunes
- ▸ Run ongoing monitoring so a customer who cleared onboarding is re-screened as their risk and the lists change
- ▸ Carry alerts through triage, investigation and disposition in the case console, escalating to the MLRO
- ▸ Hand the MLRO an append-only evidence trail for the SAR/STR decision — the filing stays with the EMI
Acquirers
Acquiring risk & portfolio monitoring
Operator Acquirer credit & risk operations
An acquirer carries the downstream risk of every merchant it boards — transaction laundering, excessive chargebacks, prohibited verticals. Risk signals arrive from many directions and need to resolve into consistent, defensible actions across a large portfolio.
How Sentrix fits
- ▸ Decision merchant risk at boarding and on review cycles with rules for prohibited verticals and exposure
- ▸ Surface chargeback, velocity and geography anomalies as alerts routed into the case queue
- ▸ Keep a per-merchant history of decisions, overrides and dispositions for scheme and internal audit
- ▸ Apply the same explainable policy across the portfolio, with thresholds tuned to the acquirer's appetite
Card-scheme compliance
Evidence for scheme compliance programmes
Operator Compliance & scheme-relations teams
Card-scheme integrity programmes expect a documented, repeatable process for identifying and actioning risky activity — and evidence that it runs. Ad-hoc spreadsheets do not satisfy a programme review.
How Sentrix fits
- ▸ Run a documented rules-and-cases process rather than ad-hoc review, with every action attributed
- ▸ Produce an append-only record of what was flagged, who actioned it and why, ready for a programme review
- ▸ Tune thresholds and rules as scheme expectations evolve, with versioning that shows what changed and when
- ▸ Export examiner- and programme-ready evidence from the audit trail
Cross-border payments
Corridor & counterparty risk
Operator Cross-border & correspondent operations
Cross-border flows cross multiple sanctions regimes and correspondent relationships. A single payment may touch several jurisdictions, and screening has to reflect corridor-specific risk without stopping legitimate volume.
How Sentrix fits
- ▸ Screen originators, beneficiaries and counterparties against multiple sanctions and watchlist regimes
- ▸ Apply corridor- and geography-specific rules so risk appetite can differ by route
- ▸ Auto-clear low-risk flows straight through while routing genuine hits to a human for review
- ▸ Keep a defensible record of every cross-border decision for correspondent and regulator scrutiny
See it against your own flow
Book a briefing and we'll walk your risk, compliance and engineering teams through the platform mapped to your operation.
Scenarios are illustrative of how regulated payments teams operate and do not describe named customers. In the evaluation environment, screening and decisions are simulated; live use runs under an Order Form with production providers connected. Sentrix is a technology vendor, not a licensed financial institution — regulatory accountability for onboarding, monitoring and reporting remains with the customer.