AML transaction monitoring software reviews customer and account activity to find patterns that may indicate money laundering, then routes what it finds to an investigator. It covers the whole path: ingesting payments and the customer data around them, scoring activity against rules and models, raising an alert with enough context to work, and producing the suspicious activity report if the investigation supports one. Banks and fintechs run it because the Bank Secrecy Act requires a risk-based program, and examiners expect to see that the rules and models behind it are owned, documented and tested.