HOW WELL DO YOU CONTROL YOUR TRADE FINANCE RISKS?
Strengthening Trade-Based Money Laundering Controls
A comprehensive, structured, risk-based approach to monitoring international trade transactions.
Trade finance remains one of the most vulnerable channels to illicit financial flows. Criminal networks exploit trade complexity through mispricing, falsified documents, routing manipulations, and shell companies.
A key observation today is that TBML controls are often fragmented, spread across multiple tools for screening, document analysis, and vessel tracking. This fragmentation makes it difficult for compliance teams to maintain a unified view of trade risk
Reis™ TBML helps financial institutions detect and manage TBML risks across the entire trade lifecycle by analyzing essential components of each transaction such as actors, goods, routes, values, and documentation.
Why Strengthen TBML Controls?
Traditional trade monitoring approaches are often limited by manual processes and fragmented information. Institutions face growing pressure due to:
- Lack of information about goods and prices
- High documentation volume
- Cross-border value movements
- Rising regulatory expectations
- Evolving evasion techniques
Reis™ TBML provides a structured and consistent approach to assessing risks throughout the transaction lifecycle.
Core Capabilities of Reis™ TBML
1. Transaction Risk Assessment
Reis™ TBML evaluates each transaction using multiple risk dimensions including:
- Goods characteristics
- Roles and profiles of actors
- Involved countries, vessels and routes
- Declared values and Incoterms
- Document coherence
Suspicious discrepancies or unusual patterns are flagged early to support decision-making.
2. Lifecycle-Based Monitoring
Trade transactions evolve with the availability of new documents and details. Reis™ TBML supports this reality by:
- Accepting progressive updates
- Replacing outdated information automatically
- Recalculating the risk score when needed
- This ensures continuous accuracy throughout the lifecycle.
3. Document Verification & Consistency Checks
Reis™ TBML reviews key documents such as:
- Commercial invoices
- Bills of lading
- Packing lists
- Transportation and customs documentation
It detects inconsistencies including unusual values, mismatches in descriptions, duplicated data, or conflicts between submitted documents.
4. Route and Corridor Evaluation
The module assesses:
- Origin, destination, and transit countries
- Trade corridors and routing patterns
- Exposure to geopolitical risks
- Sanctions or embargo relevance
Suspicious or high-risk routing behaviors are automatically highlighted.