Infocredit Group
Brief · Mastercard

AML Account Risk for Issuers: Solution Brief

Card issuers face a growing challenge: roughly $500 billion of the estimated $2 trillion laundered globally each year moves through card-based transactions. Traditional AML monitoring was built for account and payment flows, not for the velocity, scale and pattern complexity of card transactions. This brief explains how Mastercard AML Account Risk augments issuer AML programmes by monitoring approved authorisation transactions across the Mastercard Network, profiling them with machine learning across 14 high-risk parameters, and returning aggregated PAN-level risk scores. It covers the five-step workflow — monitor, profile, score, flag and retrieve — and shows how issuers can use date-range analysis, enriched notifications, API feedback and feedback history to improve detection accuracy and build an audit-ready compliance process. Delivered and supported by Infocredit Group as a strategic Mastercard partner.

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What you will learn

  • How AML Account Risk monitors approved Mastercard transactions across brands, segments, products and channels
  • The 14 high-risk parameters and machine-learning models used to identify laundering patterns
  • How PAN-level aggregated scoring incorporates daily, weekly and monthly activity
  • How threshold-based flagging and enriched notifications accelerate investigation
  • How API feedback loops and searchable history improve accuracy and audit readiness

Who this is for

Issuers and card programme managers
AML and financial crime compliance teams
Risk and fraud decisioning functions
Regulators and internal audit reviewing card AML controls

Topics covered

AML Account RiskCard-based money launderingPAN-level risk scoringIssuer AMLMastercard network intelligenceAI-driven AML detection

Frequently asked questions

What is AML Account Risk?
AML Account Risk is a Mastercard service that helps issuers detect potential money laundering on card accounts by monitoring approved transactions across the Mastercard Network and scoring risk at the PAN level using machine learning.
Who is it for?
It is designed for card issuers and payment programme managers that need to strengthen AML detection, reduce false positives and improve investigation efficiency on card accounts.
How does it integrate with ComplianceSuite?
Alerts, PAN-level risk scores and supporting transaction indicators can be ingested into ComplianceSuite to correlate with customer KYC/KYB data, prioritise investigations and manage the full audit trail in one place.
Is the brief free?
Yes. Enter your work email and we will send you the solution brief, plus an optional follow-up from our financial crime team.

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