Kartula screens the companies you administer against the sanctions lists every night, follows each structure layer by layer, and keeps your due diligence current — so a change is an alert, not a surprise in an inspection.
Luxembourg's obliged entities manage some of the most complex ownership structures in Europe — and both the CSSF and the AED expect that complexity to be monitored, not filed and forgotten.
SOPARFIs, SICAVs, holding cascades — the beneficial owner sits several layers deep, and any layer can change. Monitoring the whole chain by hand is where things slip.
Whether you answer to the CSSF or the AED, the expectation is ongoing due diligence and a clean, evidenced trail. Kartula is built around exactly that.
You likely pay enterprise prices for a screening database. Kartula screens the public sanctions lists directly and adds what pure screening tools leave to you: following the company itself — its filings, its ownership links, its financial health.
Reviews reopen on a change in the chain and on a risk cadence, each written to an append-only trail — the ongoing-diligence posture AMLR makes the default from 2027.
A new sanctions designation becomes a typed alert the night it is published; new annual accounts update the financial-health grade and trend. Register publications switch on as LBR access is put in place.
Sanctions · accounts · GLEIFEvery company and party on file matched against the EU, UN, US, UK, Swiss and Canadian lists — fuzzy-matched, with a human review queue. PEP screening runs on a licensed source, priced separately.
EU · UN · US · UK · CH · CAReviews reopen themselves when a material change lands, and on a risk-tiered cadence otherwise. The queue tells you who needs looking at today.
Event-driven · risk-tieredA clean, sourced due-diligence report on any company — ownership links, a financial-health grade from the filed accounts, declared vs registry, screening and risk signals — export as PDF.
Ownership · financials · riskRun a due-diligence case with standard measures and an EDD block for high risk, record the decision, and assemble a goAML-format report as a draft — you complete it and file.
CDD/EDD · goAML draftWhat the client declares, compared with the published records — alongside FATF high-risk jurisdictions, shell-company indicators and financial trends.
Discrepancy · FATF · trendsYou add the companies you're responsible for. Kartula does the watching.
Official sources are pulled on their own schedule — the sanctions lists nightly, accounts as they are published — and stored with a content hash, so nothing is processed twice.
Each record is compared to the last version. Real differences become typed, deduplicated change events.
Companies and the parties on file are matched against the sanctions lists, and PEP lists where licensed — candidates surfaced for review, never auto-decided.
What matters reaches you — in a daily digest, a signed webhook, or a review that's now due — with the source and the audit trail attached.
EU hosting, an append-only audit trail, strict tenant isolation, hashed credentials and data minimisation aren't features we bolt on. They're how Kartula is built — because your data is your clients' data, and your regulator will ask.
Every action recorded and never rewritten — a correction is appended, not edited in.
Data and sub-processors stay in the EU. No transfers you didn't sign off.
You control your client data; we process it under a DPA signed before any of it goes in. Isolated per tenant.
Detection, matching and risk are deterministic. Where AI is added, it drafts at the edges — labelled, and reviewed by a person.
For banks and the largest obliged entities, Kartula installs entirely inside your own infrastructure — same product, and we never see your production data.
From an independent fiduciaire to a bank, there's a plan that fits. Every plan includes nightly sanctions screening, the audit trail, and the choice of our EU cloud or your own infrastructure.
Indicative pricing for the pilot; register access passed through at cost. Full plans confirmed at launch. Compare plans →
A 30-minute demo on real companies — no obligation, no data from you required.