AI KYC and AML for freelance and fractional MLROs

Freelance MLRO software is a category that didn’t exist 5 years ago. The buyers did. Credentialed compliance officers running portfolios of regulated entities as outsourced MLROs, fractional compliance leads, solo consultants serving funds, family offices, and corporate service providers. What hasn’t existed is a tool built for them. Enterprise compliance platforms are priced and architected for in-house teams of 20 or more. The DIY alternative — spreadsheets, email threads, a folder of PDFs per client — is not a defensible MLRO program. Tarth is built for the gap in the middle: a serious compliance tool that scales a credentialed individual to firm-level capacity.

If you’re an MLRO managing 5 ADGM entities, 2 DIFC family offices, and a Cayman fund administrator on the side, your job is not to build infrastructure. Your job is to make defensible compliance decisions, document them, and respond to regulator queries when they come. Tarth is the engine that makes that economically possible at solo-practitioner scale.

The freelance MLRO economic reality

The outsourced MLRO market in the UAE, Singapore, and the Caribbean has grown as smaller licensed entities — emerging managers, single-family offices, fintech startups under Innovation Licenses — concluded that hiring a full-time compliance head doesn’t fit their P&L. They need an MLRO of record. They need someone to file STRs and answer regulator questions. They need the work to actually get done. Outsourced and fractional MLROs solved that demand on the supply side.

The economics work for the licensed entity. They often don’t work for the MLRO. The unit economics of running a compliance program manually — collecting documents, screening clients, drafting CRAs, filing STRs, monitoring sanctions changes — break down past 3 or 4 client entities. The work scales linearly with the number of clients you take on. Your fees don’t. Most freelance MLROs hit a ceiling around 5–8 entities, beyond which quality slips, deadlines slip, or the practitioner burns out.

Tarth is the leverage that breaks the ceiling. Each screening completes in around 10 minutes. CRAs generate automatically with cited evidence. Continuous Monitoring runs without you watching it. The marginal effort to add a new client entity is configuration time, not infrastructure-build time. A freelance MLRO using Tarth can credibly carry 12–15 entities at the quality level that used to cap them at 5.

How Tarth works for an MLRO portfolio

• Multiple entities, one workspace. Tarth’s data model lets you run separate Groups inside a single tenant — one Group per client entity. Each Group has its own configurations, its own client list, and its own audit trail. Switch between entities without logging into a different tool.
• Configurable screening per entity. Each client entity has a different risk appetite, a different jurisdictional context, and a different module mix. Tarth’s per-Group configurations let you set the IDV mode (live scan, upload, or either), the Net Worth Qualification threshold, and the module toggles for each entity independently. Pre-shipped templates (“Light”, “Enhanced”, “Enhanced + Net Wealth”) give you a starting point and stay editable.
• CRA and CAF output every time. Every screening produces two structured exports: the Customer Risk Assessment (the reasoned risk decision with cited evidence) and the Customer Acceptance File (the supporting documentation pack). Both are inspection-ready before the regulator asks.
• Continuous Monitoring as a binary toggle. Activate Continuous Monitoring on the screenings that need it. Tarth re-screens against PEP and sanctions lists and surfaces material changes by email and in the bell notifications. You don’t need to remember to refresh anything.
• Inline cited sources. Every public-domain finding in the CRA links back to the original source. Click through and read the article, the sanctions list entry, or the regulatory filing. Your judgment is yours; the evidence trail does the work of justifying it.

What Tarth ships today — and what’s coming next

You’ll be the one explaining to a regulator what the tooling does. Tarth is honest about both what’s live and what’s coming.

Live in Tarth 1.0: a deep individual-subject onboarding tool. KYC, PEP and sanctions screening, adverse media, source of wealth, proof of address, identity verification, net worth qualification, classification, and continuous monitoring on individual subjects, with a CRA and CAF per individual.

Coming next on our roadmap: institutional KYB. Entity-level onboarding, beneficial ownership graphs, and multi-layer corporate structure mapping. If your portfolio is entity-heavy, plan for 1.0 to handle the natural persons inside each structure (UBOs, signatories, trustees, settlors, protectors, directors) one at a time. The entity layer is what we’re building next.

What this looks like compared to your current setup

Frequently asked questions

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