ARCA Monitor

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What ARCA Monitor is

ARCA Monitor is a paid cloud AML and compliance platform for banks, money services businesses, remittance providers, and fintechs. It combines KYC, transaction monitoring, screening, case management, and regulatory reporting. Monitoring accepts real-time and batch data, configurable rules, natural-language rule authoring, and machine-learning behavioral analytics. Screening checks sanctions, politically exposed persons, and adverse media against more than 15 global lists, with fuzzy and phonetic matching and FATF jurisdiction risk scoring. KYC workflows include risk-based onboarding, identity document verification, enhanced due diligence, and continuous monitoring. Noah is a compliance copilot with more than 20 specialized tools, cited answers, WebSocket streaming, and support for OpenAI, Anthropic, or local models. Filing features cover FinCEN BSA SAR/CTR and goAML submission or deadline tracking. APIs, bulk files, REST APIs, and webhooks support ingestion. Security includes tenant isolation, encrypted PII, MFA options, device trust, and audit trails. Enterprise pricing is tailored and not listed.

Who it suits

It suits regulated financial organizations needing KYC, monitoring, screening, investigations, and regulatory reporting in one cloud platform. API and bulk-file ingestion support technical compliance teams.

What it does well

Real-time and batch monitoring
Screening across 15+ global lists
KYC and continuous monitoring workflows
Regulatory filing support
Traceable, explainable risk decisions

What to know first

No free plan
Documentation has sections coming soon
Transaction quotas count ingested payments

Plans

Plan	Billed and limits	Price
Enterprise	Plans are billed monthly today; Enterprise pricing is tailored to transaction volume, number of workspaces and compliance requirements. · Contact sales for a quote	On request

As arcamonitor.app lists them, read 30 Sept 2026. The maker's own page has the final word.

Verdict

ARCA Monitor covers broad AML operations, from onboarding and screening through investigations and filings. Its free trial requires no credit card, while enterprise costs depend on transaction volume, workspaces, and compliance requirements.

Facts from ARCA Monitor's own pages

AI copilot: Noah is a LangGraph-based compliance copilot with 20+ specialized tools, cited answers, WebSocket streaming and support for OpenAI, Anthropic or local models. · arcamonitor.app, 30 Sept 2026
Auditability: The maker says automated risk decisions are traceable and explainable, with audit trails and SHAP/LIME explainability. · arcamonitor.app, 30 Sept 2026
Documentation status: The documentation page lists API, ingestion, webhook and configuration guides, while marking several sections as “Content coming soon.” · arcamonitor.app, 30 Sept 2026
Integrations: The product supports API and bulk-file transaction ingestion; its fintech solution describes REST APIs and webhooks. · arcamonitor.app, 30 Sept 2026
Intended users: The product is described as built for banks, MSBs, remittance providers and fintechs. · arcamonitor.app, 30 Sept 2026
KYC: KYC workflows include risk-based onboarding, identity document verification, enhanced due diligence and continuous monitoring. · arcamonitor.app, 30 Sept 2026
Pricing and trial: Plans apply per workspace, are billed monthly today, and paid plans include a free trial with no credit card required; the page does not state the trial duration. · arcamonitor.app, 30 Sept 2026
Pricing limits: Each ingested payment or transfer counts once toward transaction quota; re-screening, alerts and generated reports do not consume additional quota. · arcamonitor.app, 30 Sept 2026
Purpose: ARCA Monitor combines KYC, transaction monitoring, screening, case management and regulatory reporting in one AML and compliance platform. · arcamonitor.app, 30 Sept 2026
Regulatory filing: The platform describes FinCEN BSA SAR/CTR and goAML filing, with submission or deadline tracking. · arcamonitor.app, 30 Sept 2026
Screening: Screening covers sanctions, PEP and adverse media against 15+ global lists, with fuzzy and phonetic matching and FATF jurisdiction risk scoring. · arcamonitor.app, 30 Sept 2026
Security: The platform describes schema-level tenant isolation, AES-256 column-level PII encryption, GDPR data-subject rights, JWT, TOTP MFA, WebAuthn/FIDO2 and device trust. · arcamonitor.app, 30 Sept 2026
Transaction monitoring: Its monitoring engine handles real-time and batch ingestion, configurable rules, natural-language rule authoring and ML behavioral analytics. · arcamonitor.app, 30 Sept 2026

Where ARCA Monitor stands on Freedom251

AML Compliance Software#3 of 26