AML program
- Risk-based KYC/KYB with tiered thresholds
- Sanctions & PEP screening (OFAC, EU, UN, UK)
- Ongoing transaction monitoring with typologies
- SARs filed via UAE FIU where applicable
- MLRO oversight and quarterly board reporting
AML & Anti-Fraud
Compliance is a feature, not an afterthought
Delta Pay operates a layered compliance stack: sanctions screening, PEP checks, behavioural analytics, real-time fraud scoring and human review. Every merchant is monitored continuously — not just at onboarding.
Anti-fraud program
- Real-time device fingerprinting & velocity checks
- 3-D Secure 2.2 with exemption engine
- Chargeback dispute automation (RDR/CDRN/Ethoca)
- ML risk scoring tuned per merchant vertical
- Human review queue for edge cases within 4h