At a time when financial fraud is taking on new forms and growing with digitalization, Topaz , one of the largest technology companies specializing in digital financial solutions in the world and part of the Stefanini group, announces a strategic advance in the fight against money laundering: the reformulation of trace , its compliance and anti-money laundering (AML) platform, now powered by artificial intelligence.
Over the past two years, Topaz has undergone a profound transformation of its tool. What was previously a system based on fixed rules, manually configured by analysts, now operates with machine learning algorithms capable of automatically identifying atypical patterns of financial behavior with much greater accuracy and agility.
"Integrating AI into trace represents a game-changer for the financial sector," says Jorge Iglesias, CEO of Topaz. "It's not generative AI, but rather a technology that continuously learns from human decisions to generate increasingly intelligent and relevant alerts."
Previously, a compliance analyst had to, for example, manually configure a rule to notify COAF if a client transferred more than R$10,000 to a legal account. This model, while functional, generated a high number of false positives, with alerts for legitimate transactions, overwhelming teams and reducing the effectiveness of analysis, making it difficult to prioritize truly suspicious cases.
Now, with AI, the system learns from each customer's historical behavior and automatically identifies deviations. If an account holder who has never made transfers over R$10,000 to companies starts doing so, the trace detects the pattern change and generates an intelligent alert, without the need for prior configuration by an analyst.
Furthermore, the system learns from feedback from human decisions: if a transaction is deemed safe, Trace adjusts its criteria to avoid similar alerts in the future. The result is a significant reduction in false positives and greater operational efficiency for financial institutions.
"We're talking about a new generation of AML solutions that combine technology, regulatory expertise, and continuous intelligence. In an increasingly complex and challenging landscape, such as that of digital gambling and transactions, it's crucial to have tools that evolve alongside financial crime," reinforces the Topaz executive.
trace enhancement is part of Topaz's strategy to provide the financial market and regulatory agencies with robust and adaptable tools to more effectively combat financial crimes. Operating in over 25 countries, the company continues to invest heavily in innovation applied to the financial sector, focusing on security, compliance, and digital transformation.
