How Viena sąskaita Reduced Manual Workload and Strengthened AML Controls with AMLYZE

Viena saskaita

How “Viena sąskaita” Reduced Manual Workload and Strengthened AML Controls with AMLYZE

Learn how “Viena sąskaita” automated its AML/CFT workflows, reduced false positives, and improved real-time customer risk detection with AMLYZE.

Industry: Consumer Payments – Licensed Payment Institution

Use Case Type: Implementation of AML/CFT compliance modules

Modules Used: Customer Screening, Customer Risk Assessment, AML Investigations, Transaction Monitoring (planned)

About “Viena sąskaita”

“Viena sąskaita” is a licensed financial services provider supervised by the Bank of Lithuania. Its platform enables customers to consolidate and pay all utility and household bills with a single click. More than 230,000 active users rely on the service every month, generating over one million payments monthly.

Although payments are typically low-value, the platform’s scale creates a complex AML environment. Monitoring behavioral patterns, unusual payment dynamics, and customer risk factors is essential to ensure compliance and prevent misuse of the platform for illicit purposes.

Challenge

Managing high volumes of small but frequent transactions presented a unique AML/CFT challenge. While individual payments were low-risk, the patterns behind them were not.

Potential risks included:

  • Attempts to disguise illicit transfers as legitimate utility payments

  • Out-of-pattern behavior, such as unusually high amounts for typical bills

  • Payments initiated from high-risk or sanctioned jurisdictions

  • Sudden changes in customer payment habits or service providers

Aušra Čiuplienė, CEO of “Viena sąskaita”, explains:

Even though individual payments are small, criminals could still try to use our platform as an intermediary. With more than a million monthly transactions, manually detecting anomalies became impossible.

Ausra Ciupliene Viena Saskaita
Aušra Čiuplienė, CEO of “Viena sąskaita”

As the customer base grew rapidly, the AML team struggled with:

  • Excessive manual work

  • Limited ability to detect customer behavior changes

  • Difficulty evaluating risk factors such as geography, payment frequency, and historical activity

Their existing processes lacked the level of automation needed to efficiently screen customers and assess risks in real time, especially as transaction volumes continued to grow.

This modernization need motivated “Viena sąskaita” to look for a more efficient AML/CFT solution.

Why AMLYZE

“Viena sąskaita” chose AMLYZE for its flexibility, reliability, and ability to adapt to a nontraditional payments model.

Unlike many AML tools built for traditional banking flows, AMLYZE understood the complexities of high-frequency, low-value consumer payments.

We chose AMLYZE because they truly understood our business model. The platform is flexible and adaptable – something very few providers offer. AMLYZE didn’t just deliver a tool; they helped us optimize our risk management approach.
– Aušra Čiuplienė, CEO, “Viena sąskaita”

Key reasons behind the decision:

  • Ability to adapt rules and assessments to Viena sąskaita’s unique patterns

  • Reliable compliance with Bank of Lithuania standards

  • Strategic partnership, not just technical implementation

  • Expert guidance on improving internal AML processes

Implementation

“Viena sąskaita” implemented two core AMLYZE modules:

1. Customer Screening

  • Real-time screening of every customer against sanctions and watchlists

  • Automated alert generation that significantly reduces manual checks

  • Continuous monitoring with instant notifications for new risks

2. Customer Risk Assessment

  • Evaluation of customer risk profiles based on behavior, geography, and payment patterns

  • Dynamic risk adjustments when customer behavior changes

  • Automated scoring that helps the AML team prioritize real risks

Additional implementation benefits included:

  • Smooth integration with internal systems

  • Dramatically reduced manual data processing

  • Clear, navigable interface for both new and experienced staff

  • Ongoing support from the AMLYZE Client Solutions team

Laura Barauskienė, AML Compliance Officer, “Viena sąskaita”, highlights:

AMLYZE’s platform is very intuitive. Even new team members quickly feel confident using it. Automatic data import reduces errors and saves time.

Results

Operational Efficiency

  • Manual work significantly reduced

  • AML specialists can focus on in-depth case analysis

  • Lower operational risk and fewer human errors

Enhanced Alert Quality

  • Substantial decrease in false positives

  • Real-time alerts allow immediate action on meaningful risks

  • Improved visibility into behavioral changes

Strengthened Compliance

  • Full alignment with evolving regulatory expectations

  • More proactive approach to identifying risk

  • Better internal AML governance and controls

Impact according to Laura Barauskienė, AML Compliance Officer, “Viena sąskaita”:

After implementing AMLYZE, our manual workload and false positives decreased significantly. Automated processes allow us to identify real risks faster and reduce operational risks.

Partnership & Support

AMLYZE’s partnership-driven approach was a key differentiator:

  • Clear communication and continuous improvement

  • Always-available support team

  • Strategic advice on AML/CFT risk optimization

AMLYZE is a modern, reliable platform that ensures high AML/CFT compliance and smooth operational processing. It protects us from risks that arise when choosing an unreliable AML solution.
– Aušra Čiuplienė, CEO, “Viena sąskaita”

In One Sentence

AMLYZE helped “Viena sąskaita” automate AML processes, reduce false positives, and enhance customer risk detection – ensuring compliance and efficiency at scale.

👉 Discover how AMLYZE can strengthen your AML/CFT controls – Get a demo

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