Muster Treuhand AG
AML file
Beispiel Holding AG
- Relationship opened
- 22.09.2026
- Responsible officer
- Anna Keller
- Identification complete
- 29.09.2026
- Last screening
- 05.10.2026, 84 sources
- Risk class
- increased
Sign-off
AML officer
Management
KYC and AML software for fiduciaries, asset managers and other financial intermediaries
Your client identifies online. You review and sign the file.
The client fills in the forms and holds their ID and face up to the camera. The system checks them against more than 80 sanctions, PEP and other lists and suggests a risk level. You decide and print the file for the folder.
Early bird: 10% off for the first year. You pay nothing up front.
- More than 80 lists and databases
- Data kept in Switzerland
- Set up in one day
Developed in Switzerland, built on more than ten years of work as AML officers in financial firms and banks.
- Liveness
- MRZ read
- Holograms checked
Filed 08.10.2026
- years of work as AML officers in financial firms and banks
- 10+
- types of checks
- 18
- lists and databases
- 80+
- minutes from the first link to sign-off, standard client with no PEP link
- ~20
- clients identifying at the same time, per firm
- 100+
Onboarding a new client
You send the client a link and sign the file at the end. Every step in between is logged and becomes its own page in the file.
- 01
Details from the client
The client receives a personal link and enters company data, Form A or K, the purpose of the relationship and the origin of funds. Before submitting they see everything once more. Where something is missing you add it with a reason and a source; the original entry stays visible.
AMLA Art. 3–4
- 02
Online identification
ID document, MRZ data and a face match. The client tilts the passport or ID card as shown on screen; the system picks two security features at random and checks them. Identification by bank transfer is the alternative.
FINMA Circ. 2016/7
- 03
Screening against the lists
More than 80 sanctions, PEP, debarment and wanted lists. Possible matches go into a queue. You decide whether it is the same person, and the system records your decision and the list version.
AMLA Art. 6
- 04
Controlling persons and risk
The ownership chain down to the natural person, with levels and shares. Risk classification follows your criteria; increased and high risk go to management for approval.
AMLA Art. 4 and 6
- 05
Ongoing monitoring
New list versions are checked against every client daily. Commercial register changes and periodic reviews that fall due appear as tasks, not surprises.
AMLA Art. 6
- 06
A file for the folder
The complete AML file as A4 to print or as a PDF: cover sheet with sign-off and signatures, every section, version and checksum on each page. If anything changes afterwards, the system shows that the paper copy is out of date.
AMLA Art. 7
What you get
On the left, what FINMA Circular 2016/7, the AMLA and the SRO rules ask for. On the right, what we added from our own practice.
What the rules ask for
- Online identification: ID document, security features, liveness check, face match
- Establishing the beneficial owner (Form A or K)
- Purpose of the business relationship and source of funds
- Screening against sanctions and PEP lists
- Risk rating of the business relationship
- A complete file your SRO can audit, kept for ten years
What we added
- The client fills in the forms and checks everything before sending
- Every day all clients are checked against the latest list versions
- Four-eyes sign-off and separate roles for staff, AML officer and auditor
- Request missing documents by e-mail and file them with the client
- Shared notes on every client, with history
- A log of every action that cannot be deleted
- A4 printing with the version on every page. The system shows when the paper copy is out of date
The system supports your due diligence duties under the AMLA and the checks of FINMA Circular 2016/7. You or your AML officer make the decision in each case.
18 checks in three groups
Identification8
- Reading the ID document
- Check digits in the machine-readable zone (MRZ)
- Security features when the ID is tilted
- Liveness check
- Matching the face with the ID photo
- Checking the image file is genuine
- Proof of address
- Identification by bank transfer
Screening8
- Sanctions lists
- Politically exposed persons (PEP)
- Debarment lists
- Wanted lists
- Offshore leaks
- Commercial register changes
- LEI register
- Adverse media
Assessment2
- Chain to the beneficial owner
- Risk rating by your criteria
How you can use it
You can add
- External AML officer
- To join an SRO you need to name a person responsible for AML. If you don't want to hire one, we take on the role externally and bill by the hour. Your team does the data entry in the system; we review and sign off.
- Training for your team
- We show your staff what to do with every client, and why. After that your team handles the data entry on its own.
- Help joining an SRO
- We guide you through the application: documents, internal rules and naming the person responsible for AML.
Software, AML officer, training and SRO membership from one provider
- Your team works to a clear routine and knows what to do with every client.
- You don't have to hire anyone extra. If you need an AML officer, you get one from us.
- If you want, you can later move everything to your own server and carry on with your trained team.
No autopilot
The system makes suggestions. You make the decisions: every match, every risk level, every sign-off. It does not replace your internal rules or your SRO's audit, and you file reports to MROS yourself. What goes away is the searching, keeping lists up to date and putting the file together.
Early bird: 10% off for the first year
We are starting with a few firms and set up each environment together with you. Firms that sign up now pay 10% less in the first year and have a say in the next features. You pay nothing up front: for now we only take your details. The more we know about your firm, the better we can set up the pilot.
Place reserved. We will get back to you by email.
Questions
What does it cost?
As a subscription you pay a fixed monthly price, no matter how many staff use it. On your own server you pay a fixed yearly licence fee. Pilot firms get 10% off the first year. You pay nothing up front.
Where is the data kept?
In Switzerland: with the subscription on servers in Switzerland, with your own installation on your server. Every firm has its own environment; there is no shared database.
How long does the setup take?
One working day, for the subscription and for your own server. After that you can invite your first clients.
Do I need my own AML officer?
To join an SRO you have to name a person responsible for AML. If you don't want to hire one, we take on the role externally and bill by the hour.
Do you help with joining an SRO?
Yes. We help with the documents, the internal rules and naming the person responsible for AML.
Does the system replace the SRO audit?
No. It supports your due diligence duties under the AMLA and the checks of FINMA Circular 2016/7 for online identification. Responsibility stays with your firm.
Can I print the files?
Yes, in full on A4 or as a PDF. Every page shows the version, page number and checksum. The system records which version is in the folder and shows when it is out of date.
Who is behind the system?
It was developed in Switzerland, based on more than ten years of work as AML officers in financial firms and banks.