WinScan

Winscan is a UAE AML/KYC platform for onboarding, identity verification, sanctions screening, risk scoring, monitoring, and goAML reporting.

The complete AML & KYC platform built specifically for the UAE regulatory landscape.

Developed by Winnow Management and Tax Consultant LLC, Winscan unifies onboarding, identity verification, sanctions and PEP screening, continuous monitoring, risk scoring, and goAML reporting into a single multi-tenant application. Winscan replaces fragmented compliance workflows—spreadsheets, manual screening, and scattered documents—with one platform that takes your customers from first contact to fully onboarded and audit-ready.

Purpose-built for Designated Non-Financial Businesses and Professions (DNFBPs), financial institutions, and insurers to remain strictly compliant under UAE Central Bank, SCA, Ministry of Economy (MoE), and FIU regimes.

KEY COMPLIANCE FEATURES:

• 3-TIER RISK-BASED DUE DILIGENCE Structure your onboarding into clear, compliant tracks:

1. Simplified Due Diligence (SDD): A streamlined path for verified low-risk customers.
2. Customer Due Diligence (CDD): Baseline collection including source of funds, purpose of relationship, occupation, and address.
3. Enhanced Due Diligence (EDD): Deep checks for high-risk profiles requiring PEP/RCA status verification, adverse media screening, and senior management sign-off.

• TRIPLE-METHOD IDENTITY CAPTURE & AI OCR Accelerate front-line workflows and minimize manual entry errors. Collect data via:

• Physical Emirates ID Smart-Card Reader: Government-verified identity data in under a second using the desktop Winscan EID Bridge app.
• Advanced AI Document OCR: Snap a photo of an ID, passport, trade license, or corporate certificate. Winscan automatically extracts fields, matches faces, and auto-fills profiles.
• Guided Manual Input: Safe, stage-based manual profiles.

• GLOBAL SANCTIONS & PEP WATCHLISTS Screen individuals and corporate entities instantly against comprehensive global databases: OFAC SDN, UN Sanctions, UAE Local Terrorist List, EU Consolidated List, HM Treasury, PEP & RCA networks, and Adverse Media. Adjust match sensitivity (50–100) to safely manage false positives.

• 24/7 AUTOMATED ONGOING MONITORING Risk does not stop at onboarding. Winscan automatically re-screens your entire enrolled customer database every single night at 23:00 GST (Dubai Time). Receive direct email alerts the exact moment a match changes or a score fluctuates—without consuming additional screening credits.

• AUTOMATED MULTI-CRITERIA RISK SCORING Turn your internal policies into a defensible number. Winscan calculates real-time risk scores using configurable categories like nationality, customer type, source of funds, and industry. Country risk maps stay continuously synced with global gray/blacklists.

• 3-CLICK goAML & DPMSR REPORTING Designed specifically for Dealers of Precious Metals & Stones (DPMS) and regulated entities. Link your onboarded individual or corporate records to draft, edit, and generate regulator-ready goAML XML reports (including DPMSR suspicious activity disclosures) directly inside the app.

• UBO & COMPLEX CORPORATE STRUCTURES Map out intricate multi-level corporate shareholder hierarchies. Track ultimate beneficial owners (UBOs) and watch risk factors automatically cascade up from the beneficial owners directly to the parent entity.

• ROLE-BASED ACCESS & SECURE AUDIT TRAILS Enforce true segregation of duties between your compliance team:

• Admin: Full organizational master controls and methodology governance.
• MLRO (Money Laundering Reporting Officer): Screening reviews, manual overrides, and EDD approvals.
• Front Line Associate: Restricted, front-end customer onboarding.

Every sensitive action captures a secure audit trail recording the user, role, timestamp, IP address, and mandatory analyst remarks, keeping your firm fully prepared for regulatory inspections.

Onboard faster, screen smarter, and protect your business from financial crime. Download Winscan today.