How Wallter Cut Transaction Latency by 84% with AMLYZE
Learn how Wallter enhanced AML monitoring performance, improved transaction reliability, and introduced retrospective screening with AMLYZE.
Industry: Fintech – Electronic Money Institution (Cross-border Payments)
Use Case Type: Implementation of AML/CFT compliance modules
Modules used: Transaction Monitoring, Payment Screening, AML Investigations
About Wallter
Wallter UAB is a Lithuanian-licensed Electronic Money Institution (EMI) authorized by the Bank of Lithuania.
Founded in 2017 and licensed in 2018, the company provides international payment and financial services to corporate clients, including business accounts, corporate cards, SEPA and SWIFT transfers, and other essential financial tools. Wallter stands out for its agility, technological innovation, and focus on fast, secure payments – where speed and compliance are both critical to customer trust.
Challenge
Handling growing volumes of SEPA Instant payments means every millisecond counts. Delayed compliance checks can lead to time-outs, rejected transactions, and dissatisfied customers.
Before implementing AMLYZE, Wallter’s former AML provider struggled with long response times, often exceeding 11 seconds, causing time-outs and lower transaction success rates.
At the same time, Wallter’s compliance team faced the challenge of limited retrospective monitoring capabilities, which constrained their ability to detect and review complex historical risk patterns that are difficult to identify in real time.
We needed a system that could handle SEPA Instant transactions in real time without delays – and at the same time, help us build a more robust retrospective monitoring capability.
– Mihai Lescae, Chief Executive Officer, Wallter
Why AMLYZE
Wallter chose AMLYZE for its ultra-fast performance, strong compliance engine, and developer-friendly integration.
Working with AMLYZE was simple. That is the key word… simple. They are a good example of how a well-documented API can make the difference between working hard and working smart. This, together with the support of a team that knows what it means to be ‘available,’ gives us a great example of what it means to be professional.
– Itshak Amir, VP R&D, Wallter
From AMLYZE’s perspective, the collaboration showcased how fintech-driven innovation can align with regulatory robustness.
With Wallter, we combined our focus on compliance requirements and rule performance analysis with their fast fintech-driven payment flows to strike a balance between regulatory obligations and practical effectiveness. This resulted in a streamlined, low-latency monitoring system with retrospective screening capabilities, enhancing both the speed and depth of AML oversight.
– Eglė Kontautaitė, Head of Client Solutions, AMLYZE
Implementation
Wallter implemented AMLYZE full module of transactions monitoring – to power both real-time and retrospective compliance processes.
Real-Time Transaction Monitoring:
- Speed and Reliability: AMLYZE was integrated into Wallter’s production system for SEPA Instant payments.
- Response Time: Reduced by 84% compared to the previous provider.
- Impact: Time-out rejections caused by slow responses have been eliminated.
Retrospective AML Screening:
- New Capabilities: Before AMLYZE, Wallter’s retrospective monitoring rules lacked advanced capabilities, relying instead on a simplified, behaviour-based approach. AMLYZE introduced a far more sophisticated and dynamic rule framework that enhanced detection precision and adaptability.
- Setup: Following the rule performance analysis, the AMLYZE team helped adjust and refine over 20 rules, optimizing thresholds and maximizing the effectiveness of suspicious pattern detection.
- Knowledge Transfer: The AMLYZE team conducted comprehensive training sessions, guiding the Wallter team on how to navigate and use the platform effectively, while simultaneously transferring in-depth knowledge on how rule performance analyses were conducted and how the insights informed the recommended adjustments, enabling the team to independently optimize rules in the future.
AMLYZE’s habit of recording and sharing all sessions makes onboarding smooth and efficient. Our teams can catch up easily – something we couldn’t do with our previous provider.
– Wallter Compliance Team
Results
| Metric | Former Provider (Last 3 Months) | Improvement (Post-AMLYZE Implementation) |
|---|---|---|
| Average SEPA Instant Response Time | 11.2 s | -84% latency |
| Rejection Rate | 14% | -50% |
| Successful Transaction Rate | 86% | +7 pp |
Additionally, AMLYZE enabled Wallter’s team to deploy 20 standard and 2 custom retrospective monitoring rules, supported by in-depth calibration training and post-implementation support.
Key Outcomes:
- 84 % reduction in transaction latency
- 50 % reduction in rejection rate
- 7 pp increase in successful transactions
- Full implementation of retrospective screening, enhancing historical AML/CFT analysis.
Partnership and Support
Wallter highlights AMLYZE’s availability, clear documentation, and expert support as key differentiators.
The difference was visible from day one. AMLYZE’s support team is highly professional – always available, well-prepared, and fast to act. Their documentation and training made implementation straightforward.
– Itshak Amir, VP R&D, Wallter
From AMLYZE’s side, Eglė Kontautaitė adds:
Working with Wallter allowed us to deploy a high-velocity monitoring framework tailor-made for fast payments, integrating both preventive (real-time) and detective (retrospective) solutions seamlessly into their compliance workflow. This represents the agile balance EMIs need today between regulatory requirements and user experience: rapid and precise detection of suspicious patterns, without slowing down legitimate transactions. Achieving this level of effectiveness is possible only when a financial institution collaborates closely with its vendor to design solutions aligned with its specific business model and risk profile.
– Eglė Kontautaitė, Head of Client Solutions, AMLYZE
In One Sentence
AMLYZE empowered Wallter to cut transaction latency by 84%, halve rejection rates, and elevate compliance – through a fast, reliable, and partnership-driven platform.
Discover how AMLYZE can cut transaction latency in your institution – Request a demo
