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Know when you're out of compliance. And what to fix.
LioraEngine checks your policies, registers and live data against the rules. When something breaks, it tells your compliance officer why, and what to fix. In plain words, cited to the clause.
For FIAU-supervised gaming, payment and e-money firms
Inputs
Policies & procedures
PDFDOCX
Manual §6.3Source of wealth at €2,000
Onboarding §3.1Source of wealth at €5,000edited
MLRO Proc. §2.4MLRO: Head of Compliance
Registers & records
XLSXCSV
Key functionsMLRO: Head of AMLupdated
Risk assessment2026 edition✓
Rules & guidance
AMLRFIAUMGA
AMLRIdentify beneficial owners✓
AMLRRefresh customer data by riskno procedure
Data & streams
SQLLAKEKINESIS
Payments DB214 players over €2,000
KYC store37 with no source of wealth
KinesisAML alerts streamlive
LioraEngine
- 1Read
- 2Cross-check
- 3Explain
Output: your compliance officer
Liorayour compliance assistant
Direct messageJohn, MLRO
09:14 · Onboarding Procedure edited
Inconsistency · High
Hi John. I've found an inconsistency after this morning's edit. Onboarding now asks for source of wealth at €5,000, but your AML Manual says €2,000.
Hi John. I've found an inconsistency after this morning's edit. Onboarding now asks for source of wealth at €5,000, but your AML Manual says €2,000.
Onboarding §3.1Manual §6.3
Ah. What should I do?
I'd keep €2,000, it's the stricter rule. Here's what I suggest:
- Update Onboarding §3.1 to €2,000.
- Re-check players onboarded since 09:14.
- Ping me when it's done and I'll re-check both.
Logged to evidence pack · 09:15
11:02 · Key function register updated
Out of date · Medium
Morning John. Quick one: the register now lists the Head of AML as MLRO, but your MLRO Procedures still name the Head of Compliance.
Morning John. Quick one: the register now lists the Head of AML as MLRO, but your MLRO Procedures still name the Head of Compliance.
Register: MLROMLRO Proc. §2.4
Does that really matter?
It does. Staff would send suspicious activity reports to the wrong person. Two quick fixes:
- Update MLRO Procedures §2.4.
- Let the team know who the MLRO is now.
Logged to evidence pack · 11:03
Rule check · EU AMLR, July 2027
Missing procedure · High
John, a heads-up for 2027. The new AML Regulation expects customer data to be refreshed on a schedule set by risk. None of your documents sets one yet.
John, a heads-up for 2027. The new AML Regulation expects customer data to be refreshed on a schedule set by risk. None of your documents sets one yet.
AMLR: due diligenceno matching procedure
Can you explain that simply?
Sure. Riskier customers need checking more often. You just need to write down how often. I'd suggest:
- Add a review schedule to your CDD procedure.
- Name an owner for it.
- Book the first review cycle.
Logged to evidence pack
Daily check · Payments DB + KYC store
Not followed in practice · High
Hi John. I checked last month's deposits against your AML Manual. 214 players crossed €2,000, and 37 of them have no source of wealth on file.
Hi John. I checked last month's deposits against your AML Manual. 214 players crossed €2,000, and 37 of them have no source of wealth on file.
Manual §6.3Payments DBKYC store
That's not good. What now?
I've listed the 37 for you. I'd suggest:
- Ask them for source of wealth this week.
- Flag them for enhanced monitoring until it's in.
- Check why onboarding missed them.
Logged to evidence pack
Illustrative example, not client data. Live alerts are on the roadmap. Today, LioraEngine starts with a five-day audit.
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How it starts
A five-day audit. One fixed price.
-
Day 0You hand over the set
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Days 1 to 4LioraEngine reads. A person checks.
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Day 5Severity-rated report
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+ 45 minPlain-words walkthrough
PDF, Word, spreadsheets, scans
Every finding cited
You keep the report
Why now
Examiners don't ask if policies exist. They test if you follow them.
Two documents disagree
Staff follow one
The examiner samples the gap
Finding, fine, remediation
Malta's FIAU keeps repeating it: robust manuals, inconsistently applied.
Financial Conduct Authority
Nationwide
£44M
Dec 2025 · Due diligence out of date
Starling
£29M
Oct 2024 · Screening and onboarding failures
Monzo
£21M
Jul 2025 · 34,000+ high-risk sign-ups
FCA press releases, 2 Oct 2024, 8 Jul 2025, 12 Dec 2025
EU AML Regulation
Gaming, payment and e-money firms
10 July2027
The date it applies.
One evidence pack
Three readers.
Your verified findingscited, severity-rated, dated
RegulatorAt examination
AuditorAt review
Bank or PSPAt due diligence
The roadmap
From annual sample to a compliance assistant.
Available now
Documentation auditEvery issue found in five days. Cited.
Next
Change alertsEdit a document. Liora tells you what broke.
Next
Practice checkYour data tested against your procedures.
Later
Rule watchNew rules checked against your procedures.
Trust by design
No black box.
Cited to the exact clause
Every finding reviewed by a person
PII redacted before any model call
Every model call logged and costed
Self-hosted engine
Your MLRO decides what changes