ARCA Monitor is a cloud AML and compliance platform for banks, money services businesses, remittance providers and fintechs. It combines KYC, transaction monitoring, screening, case management and regulatory reporting. Monitoring accepts real-time and batch transaction data, configurable rules, natural-language rule authoring and machine-learning behavioral analytics. Screening checks sanctions, politically exposed people and adverse media against more than 15 global lists, with fuzzy and phonetic matching plus FATF jurisdiction risk scoring. KYC workflows cover risk-based onboarding, identity-document verification, enhanced due diligence and continuous monitoring. Noah is a compliance copilot with more than 20 specialized tools, cited answers, WebSocket streaming and support for OpenAI, Anthropic or local models. Filing support includes FinCEN BSA SAR/CTR and goAML submission or deadline tracking. APIs, bulk files and webhooks support ingestion. Security includes tenant isolation, encrypted PII, GDPR rights, MFA, device trust and audit trails. Paid plans are billed monthly per workspace, with a free trial and no credit card required.
Who it is for
ARCA Monitor suits banks, money services businesses, remittance providers and fintechs needing combined AML and compliance workflows. Its API, web access and cloud deployment support teams handling regulated transaction data.
What is good
- Combines KYC, monitoring, screening and reporting
- Real-time and batch transaction ingestion
- Screening covers 15+ global lists
- AI copilot supports multiple model providers
- Traceable risk decisions with audit trails
What to know first
- No free plan
- Enterprise pricing requires a sales quote
- Documentation marks several sections coming soon
- Each payment or transfer counts toward quota
Verdict
ARCA Monitor brings core AML operations into one cloud platform, with broad monitoring, screening, KYC and filing functions. Buyers should account for paid-only access, workspace billing and transaction-based quotas.
ARCA Monitor plans and pricing
All plansCompared on AML compliance software
- Free plan
- No
- Customer risk assessment
- Yes
- Transaction monitoring
- Yes
- Case management
- Yes
- Regulatory reporting
- Yes
- Deployment
- cloud
- Audit trail
- Yes
