Scoreplex Blog
Research, product updates, and practical insights on enhanced due diligence, compliance workflows, and AI-assisted business reviews.
Enhanced Due Diligence (EDD) for Crypto 2026: FATF Travel Rule, VASPs, and AI Compliance
Enhanced Due Diligence (EDD) for crypto is mandatory for Virtual Asset Service Providers (VASPs) under FATF Recommendation 15 and national AML frameworks: it requires enhanced identity verification, beneficial ownership mapping, source-of-funds analysis, Travel Rule data exchange, and ongoing transaction monitoring for high-risk counterparties. EDD triggers in crypto include unhosted wallets, high-risk jurisdiction exposure, PEP-linked addresses, mixer or tumbler activity, and complex nested
Scoreplex
May 1, 2026
Enhanced Due Diligence (EDD) regulatory requirements: EU AMLD6, UK MLRs, and US BSA — comparison by jurisdiction
Enhanced due diligence requirements differ significantly across the EU, UK, and US — even though all three regimes build on the same FATF Recommendation 10 baseline. Under EU AMLD6, EDD is a rule-based obligation triggered by defined high-risk categories; UK MLRs apply a similar structure but diverge on PEP scope and supervisory architecture post-Brexit; the US BSA relies on a risk-based approach under the FinCEN CDD Final Rule, with no prescriptive trigger list. For compliance teams operating a
Scoreplex
April 30, 2026
How Long Does Enhanced Due Diligence (EDD) Take? Manual vs AI Timelines Explained (2026)
Manual Enhanced Due Diligence (EDD) takes 30–240 minutes per case, with full corporate onboarding requiring 51 hours of analyst time end-to-end. AI-powered Enhanced Due Diligence (EDD) reduces per-case time to 5–30 minutes. The biggest time drivers are adverse media screening (up to 90% noise), manual document validation, and cross-jurisdiction registry checks. Enhanced Due Diligence (EDD) timeline is one of the most misunderstood metrics in compliance operations. Ask ten compliance officers ho
Scoreplex
April 29, 2026
Cross-Border Enhanced Due Diligence (EDD): Challenges and AI Solutions (2026)
Cross-border Enhanced Due Diligence (EDD) requires registry access across 140+ jurisdictions, handling documents in 200+ languages, reconciling conflicting sanctions lists, and mapping beneficial ownership through multi-layer offshore structures. Manual cross-border Enhanced Due Diligence (EDD) takes 3–10x longer than domestic cases. AI-native platforms consolidate sources and translate documents automatically. Why Cross-Border Enhanced Due Diligence (EDD) Is Harder Than Domestic Reviews Cros
Scoreplex
April 28, 2026
False Positives in Enhanced Due Diligence (EDD) Screening: How AI Reduces Adverse Media Noise by 85%
Quick Answer Manual adverse media searches for Enhanced Due Diligence (EDD) return up to 90% false positives: name collisions, duplicated syndications, and outdated allegations generate hundreds or thousands of irrelevant hits per company. AI-powered Enhanced Due Diligence (EDD) agents reduce adverse media false positives by 85% by clustering results into events, deduplicating syndicated copies, and ranking findings by compliance relevance — so analysts review risk, not noise. Adverse media scr
Scoreplex
April 22, 2026
Enhanced Due Diligence (EDD) Documentation Requirements 2026: What Regulators Check During Audits
Enhanced Due Diligence (EDD) documentation requirements include: enhanced identity verification records, source-of-funds and source-of-wealth evidence, UBO structure charts with supporting documents, sanctions and PEP screening logs, adverse media review records with source links, senior management approval records, and ongoing monitoring schedules with periodic review dates. All records must be complete, traceable, and retrievable on demand — regulators do not accept incomplete files or undate
Scoreplex
April 21, 2026
Manual vs AI Enhanced Due Diligence (EDD): Time, Cost, and Accuracy — Side-by-Side Comparison
AI-automated Enhanced Due Diligence (EDD) takes 5–30 minutes per case. Manual reviews of the same scope run 30–240 minutes, cost $10–80 per case, and produce adverse media results with up to 90% false positives. AI reduces per-case cost to $2–5, cuts false positives by up to 85%, and generates a structured audit trail — in a single case file. Why the manual Enhanced Due Diligence (EDD) model is breaking 83% of KYB and Enhanced Due Diligence (EDD) processes are still conducted manually. Accord
Scoreplex
April 20, 2026
When Is Enhanced Due Diligence (EDD) Required? 8 EDD Triggers
Last updated: April 2026 Enhanced Due Diligence (EDD) is required when a customer, relationship, or transaction presents elevated AML/CFT risk that standard CDD cannot mitigate. The eight mandatory triggers are: PEPs and their associates, high-risk jurisdictions, complex ownership structures, correspondent banking, high-risk industries (crypto, gambling, real estate), unusual transaction patterns, operational exposure to high-risk geographies, and adverse media signals. Each trigger is grounded
Scoreplex
April 17, 2026
Top-10 AI Enhanced Due Diligence (EDD) Agents, Software, Solutions and Products 2026
Enhanced due diligence tools help compliance teams investigate higher-risk business relationships through company verification, beneficial ownership analysis, sanctions and PEP screening, adverse media research, document review, and audit-ready reporting. The best EDD software in 2026 falls into three broad groups: AI-led workflow platforms, investigation-focused due diligence tools, and enterprise risk intelligence stacks. This article compares 10 products across those models to show which ones
Scoreplex
April 16, 2026
Enhanced Due Diligence (EDD) Cost Breakdown: What Manual Reviews Actually Cost vs AI Automation (2026)
A manual Enhanced Due Diligence (EDD) review costs between $10 and $80 per case — and that figure only captures direct analyst time. Factor in tool overhead, RFI loops, senior sign-off, and the revenue lost while a client waits 20 to 90 days to onboard, and the real cost of a single case is substantially higher. AI-native Enhanced Due Diligence (EDD) automation brings the per-case cost down to $2–$5, with processing time dropping from 30–240 minutes to 5–30 minutes per case. Financial institutio
Scoreplex
April 15, 2026
Enhanced Due Diligence (EDD) vs Customer Due Diligence (CDD): Key Differences Explained
Customer Due Diligence, or CDD, is the baseline level of due diligence used to identify a customer, verify key facts, understand the business relationship, and assess standard risk. Enhanced Due Diligence, or EDD, is the deeper review applied when the risk is higher. That higher risk may come from a complex ownership structure, a high-risk jurisdiction, politically exposed persons, adverse media, sanctions exposure, unusual business activity, or weak transparency around the customer. The differ
Scoreplex
April 13, 2026
Enhanced Due Diligence (EDD): Complete Guide for Compliance Teams
Enhanced Due Diligence (EDD) is a deeper, risk-based review used when a customer, business relationship, ownership structure, or transaction pattern presents elevated risk. For compliance teams, EDD usually means more evidence, more verification steps, closer scrutiny of ownership and source of funds, and stronger documentation to support a defensible decision. In practice, EDD becomes critical in exactly the cases where standard workflows start to break down: high-risk customers, complex corpo
Scoreplex
April 10, 2026
How AI Agents Are Eliminating Delays and Saving Millions in Enhanced Due Diligence (EDD)
AI agents improve enhanced due diligence by automating entity resolution, sanctions and adverse media screening, document analysis, and draft report generation. In practice, they cut analyst time most where EDD is repetitive, cross-border, and evidence-heavy, while final judgment still stays with human compliance teams. The Growing Bottleneck in Enhanced Due Diligence (EDD) Enhanced Due Diligence (EDD) has become a critical yet slow and costly process for banks, fintechs, and investment firms
Scoreplex
April 8, 2026
Scoreplex AI Enrichment for Compliance
Scoreplex AI Enrichment adds source-backed company and people data beyond registries directly into the KYB workflow. Each enriched datapoint is labeled, reviewable, linked to sources, and can be confirmed or rejected by the analyst. What AI Enrichment Adds to the KYB Workflow AI Enrichment for KYB helps compliance teams move beyond registry data by adding external, verifiable context inside the KYB workflow. Scoreplex starts with a structured registry baseline, then expands the case with addi
Scoreplex
March 30, 2026
AI Enrichment for KYB: How to Go Beyond Registry Data in Company Research
AI Enrichment is a Scoreplex capability that expands KYB research beyond registry data by using deep-search research models and OSINT techniques to uncover broader company context from public sources. Registry data is still the starting point for most KYB workflows, but it rarely tells the whole story. Official records can confirm that a company exists, show its registration details, and sometimes reveal part of its ownership structure. What they usually do not provide is the broader context th
Scoreplex
March 25, 2026
What Is an Enhanced Due Diligence (EDD) AI Agent?
Transforming Compliance with AI‑Powered Risk Intelligence Financial crime, regulatory pressure, and globalized business relationships have dramatically increased the importance of Enhanced Due Diligence (EDD). Traditional manual investigations are no longer sufficient for modern compliance teams that must evaluate thousands of counterparties, vendors, investors, and corporate clients. An Enhanced Due Diligence (EDD) AI agent is an automated intelligence system designed to conduct deep risk ana
Scoreplex
March 19, 2026
Business Analysis AI Agent by Scoreplex
Company analysis in KYB is still a manual investigation disguised as a process. Teams jump between registries, websites, and internal tools, trying to piece together a coherent picture of a business before they can even start risk assessment. This slows down onboarding, increases operational cost, and creates blind spots. When analysis takes hours or days, compliance becomes a bottleneck for growth, not a safeguard. Scoreplex Business Analysis AI Agent automates this step end-to-end. It collec
Scoreplex
March 17, 2026
AI Business Verification: Corporate Analysis for KYB
Why Company Analysis Is the First Step of KYB Know Your Business verification begins long before sanctions screening or adverse media checks. The first task in any corporate due diligence process is understanding the company itself. Compliance teams must confirm that a legal entity exists, determine what the company actually does, identify who controls it, and assess whether its activities present regulatory risks. Many financial institutions are now exploring AI-driven tools to accelerate the
Scoreplex
March 16, 2026
Top 10 AI Compliance Trends in 2026
AI Is Reshaping Compliance Financial institutions are entering a new phase of regulatory technology where artificial intelligence is becoming a core component of compliance operations. Rising regulatory pressure, expanding global sanctions regimes, and increasingly complex corporate structures have pushed compliance teams to their operational limits. As a result, organizations are actively exploring AI compliance systems that can automate investigations, risk monitoring, and regulatory workflow
Scoreplex
March 11, 2026
What Is a Compliance AI Agent?
Architecture, Use Cases, and the Future of AI-Driven Compliance Automation Financial institutions operate in one of the most complex regulatory environments in the global economy. Anti-money laundering rules, sanctions regimes, beneficial ownership transparency laws, and cross-border compliance obligations continue to expand every year. At the same time, businesses expect faster onboarding, digital customer journeys, and real-time access to financial services. This tension creates one of the
Scoreplex
March 5, 2026
Top-10 Compliance AI Agents, Software, and Products 2026
Compliance operations have shifted from a regulatory requirement to an operational constraint. For fintech platforms, banks, crypto exchanges, marketplaces, and cross-border operators, onboarding customers, reviewing alerts, conducting due diligence, and documenting decisions often stall in repetitive data gathering, screening analysis, ownership tracing, and case reporting. As volumes grow, the constraint becomes structural rather than procedural. We have previously examined how AI compliance
Scoreplex
March 2, 2026
AI Compliance Agent Builder for KYB and KYC Automation
The Scoreplex AI Agent Builder is a configurable AI compliance agent framework designed for KYB automation, KYC screening, and automated due diligence workflows. Most compliance teams operate under clearly defined internal policies. Risk classifications, escalation thresholds, documentation standards, and reporting structures are formalized and approved. However, many compliance software solutions rely on predefined workflows and fixed scoring logic. Customization is often limited. When intern
Scoreplex
February 24, 2026
Top-5 KYB Failures: What Went Wrong and What to Fix
From 2023 to 2025, global enforcement actions tied to AML, KYC, sanctions, and customer due diligence totaled approximately $6.6 billion in 2023, $4.6 billion in 2024, and $3.8 billion in 2025. The aggregate numbers fluctuated, yet the supervisory approach became more structural. Authorities relied increasingly on criminal resolutions, independent compliance monitors, remediation programs, and growth limitations. Financial penalties were only one part of the outcome; operational constraints and
Scoreplex
February 23, 2026
Whitepaper: AI in Compliance Operations: How AI Agents Reduce KYB Bottlenecks and Manual Work
AI agents reduce KYB bottlenecks by converting web presence signals, documents, and adverse media into structured, evidence-linked, audit-ready case files, cutting manual workload and improving decision consistency.
Scoreplex
February 4, 2026