From 30 minutes to 5 minutes per anti-money-laundering file

Project Overview

Who uses Complicheck?

Complicheck is Flowkify's anti-money-laundering agent. It's used today by accounting firms across Belgium, from small practices to firms with more than a hundred employees.

Every firm is subject to the Belgian anti-money-laundering law. That means: doing client due diligence for every client, mapping out the ultimate beneficial owners, checking for sanctions, politically exposed persons and negative press, and keeping it all properly documented in the file.

In practice, staff do this by hand. They click through the company registry (KBO), pull up the UBO register, google the client and its directors, and then type up a report themselves. That takes time. And it means every employee produces a slightly different kind of report, which makes quality reviews harder.

The challenge

The question we kept hearing in conversations with firms went something like this:

"How do we keep our anti-money-laundering files fully in order, without half an hour of research going into every client, and without everyone writing it up differently?"

Anti-money-laundering tools exist, but they're often just forms to fill in. The research and the writing still fell to the employee. That's where we wanted to start.

Project Delivery

The approach

We didn't start with the technology, we started with the process. We mapped out the full anti-money-laundering workflow as it runs at a firm today, then tested every step with the people who actually carry it out: AMLCOs, partners and senior consultants.

From there we ran feedback rounds on the working tool. Firms got free reports to run real files through, and we built their feedback in. That's how the UBO register, extra sources, and a clearer distinction between high risk and non-acceptance ended up in the tool. Those rounds are still ongoing.

What we built

Complicheck is an AI agent with a fixed, controlled sequence. The agent can do its own research, but it can't decide on its own to skip a step. Every finding has to be traceable back to a source.

1 · Company registry agent and ownership tree

Mapping out the structure of the company.

• You enter a single company number.
• The agent validates it against the company registry right away.
• It builds the full ownership tree of directors and linked companies.

The benefit: within seconds you see which entities belong in the file, including companies you wouldn't have found yourself.

2 · UBO agent

Pulling the ultimate beneficial owners from the UBO register.

• You upload the PDF from the FPS UBO register.
• The agent reads the beneficial owners out of the document.
• You confirm the list before the research starts.

The benefit: no retyping, and a human keeps the final say over who ends up in the report.

3 · Six parallel researchers

The real research work, done at the same time instead of one after another. Each researcher has one job:

• entity and activity
• ownership structure
• sanctions and politically exposed persons
• negative press
• financial profile
• sector risk

They search live. There's no copy of a sanctions list sitting in our system that only gets updated once a month. The agent queries the sources at the moment you run the check: KBO, the UBO register, CompanyWeb, OpenSanctions, OFAC, the EU sanctions list, FATF, the National Bank of Belgium and the CFI, plus an open search for each entity.

The benefit: your report shows today's situation, not the state at the last sync.

4 · Report agent

Turning it all into a document for the file.

• The findings are pulled together, filtered and given a risk level.
• A separate agent checks that every statement is backed by a source.
• You get a Word document in your inbox, in Dutch.

The report includes a risk table with four categories (client, country, service and transaction), a final conclusion, all source references, and screenshots as evidence.

The benefit: you can drop the report straight into the client file and pull it back out for a quality review.

5 · Live dashboard and file archive

You follow the agent's eight steps live on screen, with running counts of searches, sources and AI calls. You can close the tab: the agent keeps running in the background. Every report stays saved per client in your file overview.

The benefit: you get an audit trail without lifting a finger.

Results

A full check that takes about half an hour by hand is a matter of a few minutes with Complicheck. A senior consultant at one firm using it estimates the gain at roughly 30 minutes down to 5 minutes per file, without the report being any less thorough. A partner at another firm points mainly to the standardization: everyone on the team now knows exactly what belongs in an anti-money-laundering file.

Firms are also finding uses we hadn't foreseen ourselves, like screening an entire client portfolio in bulk when they take it over from another firm.

Complicheck keeps growing based on feedback from the firms using it. Flowkify continues to support those firms as an AI partner, with the anti-money-laundering agent as a first step toward a broader, automated client process.

Want to see what an AI agent can do for your anti-money-laundering files? Get started at complicheck.be with two free reports, no credit card needed. Or get in touch with Flowkify for an AI scan tailored to your firm.