Equals Money Masters Maritime Risk with Windward

Equals Money leveraged Windward’s Maritime AI™ Risk & Compliance solution to confidently enter the maritime and yachting industries – sectors known for strict regulatory demands. This partnership enabled Equals Money to streamline client onboarding, significantly strengthen compliance processes, and accelerate business growth, thereby facilitating their expansion into new sectors. 

About Equals Money

Equals Money simplifies global payments and expense management for businesses operating in heavily regulated markets. As part of the Equals Group, the company prioritizes seamless financial operations, rigorous compliance, and strategic growth.

Entering a Complex Market with Confidence

When Equals Money identified a growth opportunity in the maritime and yachting industries — markets defined by opacity, evolving sanctions, and compliance risk — it faced immediate challenges:

• Limited insight into vessel ownership and activity
• Inability to efficiently screen and monitor vessels and clients at scale
• Heavy manual processes for onboarding and post-onboarding monitoring
• Difficulty adapting to dynamic international regulatory frameworks

Standard compliance tools weren’t built for maritime risk. Equals Money needed a partner that could offer domain expertise and automation.

Solution: Windward’s Maritime AI™ Risk & Compliance

Equals Money selected Windward’s platform to power its entry into these complex sectors. Windward’s AI-driven system enables full-spectrum vessel risk management, from onboarding to continuous monitoring.

Arte Bunkering also provided front-office personnel with direct access to Windward’s compliance indicators, empowering proactive engagement, superior customer service, and quicker, better-informed pre-fixture decisions.

Key capabilities included:

• Immediate screening of vessels and ownership structures
• Real-time alerts and risk insights, powered by Gen AI
• Automated monitoring to flag red flags post-onboarding
• On-site training & support, thanks to proximity between offices

“Without Windward, targeting this industry would not have been feasible for us.”
— Chet Rajput, Head of Complex Client Oversight Operations, Equals Money

Immediate Impact & Strong ROI

Windward’s solution didn’t just enable entry into a new vertical — it transformed compliance into a business enabler.

Tangible results:

• ~50% ROI in the maritime and yachting sectors
• Faster onboarding, unlocking client access and revenue sooner
• Robust compliance infrastructure, reducing exposure to regulatory risk
• Streamlined operations, replacing hours of manual work with automation

“Windward has dramatically strengthened our AML framework, allowing us to confidently manage risk and compliance.” 

Clear Business Advantages

Operational Efficiency
Windward reduced the burden on compliance teams by automating vessel screening and tracking workflows.

Stronger Compliance
With real-time alerts and actionable intelligence, Equals Money ensured adherence to fast-moving sanctions and regulatory updates.

Strategic Growth
Windward’s platform empowered Equals Money to access and scale within high-value client segments that were previously out of reach.

“Collaborating with Windward is easy. The constant communication and dedicated support staff have been invaluable. Having their offices nearby allows for frequent training and system updates, which ensures our team stays ahead.”

Looking Ahead

Equals Money continues to deepen its partnership with Windward, using the platform as a foundation to drive further innovation in compliance and expand into adjacent high-risk sectors. With Windward’s expert team and intelligent tools, Equals Money is positioned for continued success.

Experience Windward in Action