What is Napier AI ?
Napier AI is a London-based compliance technology company specializing in AI-powered anti-money laundering (AML) and financial crime risk management solutions. Founded in 2015, Napier AI offers an end-to-end intelligent compliance platform designed to transform compliance from a legal obligation into a competitive advantage. Its flagship platform, Napier AI Continuum, integrates advanced AI and machine learning technologies to provide real-time transaction monitoring, client screening, and perpetual client risk assessment. The platform supports over 100 built-in AML typologies and features a no-code rule builder, enabling compliance teams to efficiently detect and respond to suspicious activities. With flexible deployment options, including plug-and-play and API integrations, Napier AI serves a global clientele across banking, payments, and wealth management sectors. In February 2025, the company secured a majority growth investment from Marlin Equity Partners to further enhance its research and development efforts and expand its global presence .
Feature Table
| Feature | Details |
|---|---|
| Name | Napier AI |
| Core Use | Anti-money laundering (AML) compliance automation |
| Industry Focus | Banking, Fintech, Insurance, Wealth Management, Crypto |
| AI Capabilities | AI Advisor, Fuzzy Matching, Risk Scoring, Machine Learning Typologies |
| Key Features | Client Screening, Transaction Monitoring, Risk Assessment, API Integration |
| Platform Integration | Custom APIs, Plug-and-Play setup, Enterprise-level customization |
| User Experience | Real-time alerts, No-code rule builder, Sandbox for testing |
| Setup Time | Plug-and-Play: Instant; Enterprise: Requires tailored onboarding |
| Security | SOC 2 compliance, Explainable AI, Full audit trails |
Who Should Use Napier AI?
Compliance teams at banks, fintechs, and payment providers
Financial institutions handling high transaction volumes or cross-border payments
Crypto companies seeking real-time AML screening
Firms under regulatory pressure (FATF, FinCEN, AMLD)
Organizations seeking to minimize false positives and improve alert accuracy
How to Use Napier AI (Step-by-Step)
Select Your Deployment Model
Choose between Plug-and-Play, API Integration, or a fully customizable Enterprise platform.Client Onboarding + Screening
Screen new and existing clients in real-time using fuzzy name matching against sanctions, PEP, and adverse media lists.Enable Transaction Screening
Monitor transactions in real-time or batch mode. Use AI insights to flag suspicious behavior or blocked entities.Activate Transaction Monitoring
Use over 100 prebuilt AML typologies or build your own with the no-code rule builder to catch anomalies or fraud patterns.Implement Perpetual Client Risk Assessment
Continuously update client risk profiles based on new activity or external changes (e.g., media hits, geography).Fine-Tune and Test in Sandbox
Safely test rule changes in a sandbox environment before deployment.
Pricing Plans
| Plan | Description | Ideal For |
|---|---|---|
| Custom | Tailored to institution size, features needed, and volume handled | Medium to large enterprises |
| Plug-and-Play | Pre-configured setup for rapid AML deployment | Smaller fintechs, early-stage |
Note: Pricing details are not publicly available. Contact Napier AI for a customized quote.
Free vs Paid Comparison
| Feature | Free Trial | Paid Plan |
|---|---|---|
| Client Screening | Limited access | Full access |
| Transaction Monitoring | ✗ | ✓ |
| No-Code Rule Builder | ✗ | ✓ |
| Perpetual Risk Assessment | ✗ | ✓ |
| Sandbox Testing | ✗ | ✓ |
| Dedicated Support | Basic | Priority or dedicated manager |
Capabilities
Fuzzy name matching across sanctions, PEP, and media sources
AI Advisor to automatically discount irrelevant alerts
100+ machine-learning-driven AML typologies
No-code rule building and sandbox environment
Real-time client risk scoring
Compliance with FATF, AMLD, FinCEN, and global regulations
Full audit trail and explainable AI outputs
Evolution Timeline
| Year | Milestone |
|---|---|
| 2015 | Napier founded with a focus on intelligent AML compliance |
| 2020 | Launch of AI-driven transaction monitoring and screening modules |
| 2022 | Perpetual Client Risk Assessment and sandbox added |
| 2023 | Plug-and-Play and API models released |
| 2024 | Expanded global regulatory coverage, enhanced AI Advisor functionality |
| 2025 | Added explainable AI engine + advanced fuzzy matching in 10+ languages |
Pros and Cons
| ✅ Pros | ❌ Cons |
|---|---|
| AI-driven alert reduction + fuzzy matching reduces false positives | May require technical onboarding for full enterprise setup |
| Supports global regulatory frameworks (FATF, AMLD, FinCEN) | Pricing may be too high for early-stage startups |
| Perpetual risk assessment improves client visibility over time | Complex organizations may need dedicated integration resources |
| No-code rule builder + sandbox simplifies testing and customization | Some modules only available on paid or enterprise plans |
| Flexible deployment options (API, Enterprise, Plug-and-Play) | Not suitable for teams seeking a lightweight or free tool |
Summary for Target Users
✅ Banks, neobanks, and payment institutions under strict AML compliance
✅ Fintechs needing fast deployment with full screening capabilities
✅ Large enterprises requiring explainable AI and full audit logs
✅ Compliance teams that want to automate and scale their workflows
✅ Institutions operating across multiple jurisdictions
Official Resources
Conclusion
Napier AI is a modern, AI-first AML platform built to help financial institutions detect, investigate, and prevent financial crimes in real-time. With its combination of fuzzy name matching, perpetual risk monitoring, and customizable workflows, it offers unmatched flexibility and intelligence for compliance teams. It’s ideal for regulated entities that need to move fast, reduce false alerts, and meet global regulatory requirements with confidence. For teams that take AML seriously, Napier is a future-ready compliance solution.