About MSAASPRO

Protecting Financial Institutions
from Financial Crime Risk

MSAASPRO is a complete AML/CFT compliance platform delivering enterprise-grade sanctions screening, PEP detection, and structured Customer Risk Profiling — purpose-built for regulated financial sector.

50+
Sanctions & PEP Databases
24/7
Automated Portfolio Monitoring
100%
SBP BPRD Circular Aligned
3
Tier Approval Workflow

We Help Organisations
Manage Compliance Risk

Whether building a new business relationship or transacting with existing customers, partners, or counterparties — you need to protect your reputation. MSAASPRO starts where KYC starts.

MSAASPRO is developed and managed by RMS Techknowledgy, a registered technology company operating in Pakistan's InsurTech, FinTech, Risk and Payments space. We do "business with purpose" — solving compliance and operational risk gaps with the help of technology.

Our constant vigilance, data analytics, and system enhancements enable compliance officers to make precise, defensible decisions at every stage of the customer lifecycle.

Regulatory Alignment
SBP BPRD Circular No. 2 / 2012 FATF 40 Recommendations AML Act 2010 FMU Pakistan NACTA Basel Committee
MSAASPRO is fully aligned with Pakistan's regulatory framework for AML/CFT compliance — from SBP's mandatory Customer Risk Profiling requirements to FATF's risk-based approach for financial institutions.
Screening Databases Covered
PEP UKHMT OFAC UNSC NACTA FIA Red Book DFAT Interpol NAB EU Watchlist

Two Core Compliance Modules

MSAASPRO covers the complete AML/CFT lifecycle — from real-time sanctions screening to structured risk-based customer due diligence.

AML / CFT Sanctions Screening

Instantly screen customers, entities and counterparties against global and local sanctions databases with configurable match modes. Supports individual, batch, and continuous 24/7 portfolio monitoring.

  • Single customer screening — instant result with full match detail
  • Batch screening — upload and screen entire portfolios at once
  • 3 search modes: Contain, Exact, Unique (CNIC/NIN only)
  • Configurable scan scope — PEP only, Sanction only, or ALL
  • Auto-generated alert IDs with full alert management workflow
  • Internal watchlist management per organisation
  • Email notifications on batch completion and new alerts

Customer Risk Profiling (CRP)

Structured customer risk scoring per SBP BPRD Circular No. 2 of 2012 Annexure-A matrix — assign LOW, MEDIUM, or HIGH risk ratings with full compliance workflow, CDD decisions and auto-scheduled reviews.

  • Annexure-A: Customer, Geography, Product, Channel scoring (max 100)
  • Multi-party: Applicant, Co-Applicant, and Guarantor per BP#
  • Configurable LOV values and risk thresholds per organisation
  • SDD / CDD / EDD decision with FATF-aligned review frequencies
  • 3-tier workflow: Officer → Reviewer → Approver with audit trail
  • KYC, Periodic Monitoring and Risk Category Excel reports for SBP
  • Overdue review alerts and automated email notifications
New Feature

24/7 Automated
Portfolio Monitoring

MSAASPRO's Celery-powered background screening task continuously monitors your enrolled customers around the clock — so you are immediately alerted when a new sanctions match or PEP link appears, without manual intervention.

No more waiting for a periodic batch run. Matches are detected within hours of occurrence, CRP portfolio alerts are raised automatically, and compliance officers can review and take action directly from the CRP customer detail page.

24/7 Continuous Screening Flow

Automated Celery background task runs every 6 hours — no manual trigger needed.

1
Customer Enrolled in Portfolio

Officer ticks "Enrol in 24/7 Monitoring" on the CRP Add Customer form. A cust_portfolio record is created with status 24MONITOR / PENDING.

2
Celery Task Screens Every 6 Hours

The portfolio_screening_task picks up customers not checked in 24+ hours and screens exact-match against PEP + all 10 sanctions databases simultaneously.

3
Alert Raised on Match

An alert_master record is created in the AML system. A CRPPortfolioAlert bridge record links it to the CRP customer profile. Compliance team notified by email instantly.

4
Officer Reviews & Takes Action

Review directly in MSAASPRO: Clear (false positive), Monitor, EDD escalation, Re-assessment, Block customer, or file STR — all with full audit trail.

5
Auto-Reset & Next Cycle

Clean results reset the 24-hour window. Customers with open unresolved alerts are skipped automatically — no duplicate alert flooding.

Automated CDD / EDD Workflow

MSAASPRO automates the structured due diligence process from customer onboarding through to periodic review — with no manual calculation or spreadsheet dependency.

Simplified DD (SDD)

For very low-risk customers meeting specific criteria — reduced ongoing monitoring frequency with documented justification. Score 0–30 on Annexure-A.

Review every 24 months

Standard CDD

Standard Customer Due Diligence applied to medium-risk customers. Complete identity verification, source of funds assessment, and structured risk scoring. Score 31–65 on Annexure-A.

Review every 12 months

Enhanced DD (EDD)

Mandatory for HIGH risk customers, PEPs, sanctioned individuals, and portfolio alert escalations. Senior management sign-off required. Score 66–100 on Annexure-A.

Review every 3–6 months
What MSAASPRO Automates for You
Risk Score Calculation
Live Annexure-A scoring as officer fills the form
Review Date Auto-Set
Next review due calculated on approval — no manual entry
Overdue Alerts
Daily Celery task emails compliance team for overdue reviews
SBP Reports
One-click KYC, Periodic Monitoring and Risk Category Excel export
MSAASPRO compliance screening

Robust Screening.
Calibrated for Accuracy.

Regulators are raising the bar — not just requiring sanctions screening compliance but scrutinising the quality of screening programmes. No true match should ever be missed.

MSAASPRO deploys a federated query approach — searching across all databases simultaneously with configurable match modes, ensuring complete coverage without alert fatigue from false positives.

Three Precision Match Modes

Contain — broad search for name fragments. Exact — precise full name or CNIC match. Unique — CNIC/NIN only for highest confidence.

Federated Multi-Database Search

All 50+ databases queried in a single operation — PEP, all sanctions lists, internal watchlist — with results consolidated into one structured alert.

Complete Alert Audit Trail

Every alert decision — assigned, reviewed, closed — recorded with user, timestamp and reason. Ready for regulatory inspection at any time.

MSAASPRO in use

Complex Filtering.
Simple for Your Team.

Behind a clean, role-based interface sits sophisticated filtering technology monitoring data quality across all global sanctions sources — updated as regulators publish changes.

MSAASPRO can operate as a standalone compliance platform or integrate alongside your existing technology infrastructure — serving banks, microfinance institutions, DFIs, and NBFIs.

Banks Microfinance DFIs NBFIs Payments Remittances

Ready to Strengthen Your Compliance Programme?

Join financial institutions using MSAASPRO to meet regulatory requirements, automate their CDD/EDD workflow, and protect against financial crime.

Access MSAASPRO Contact RMS Techknowledgy