Fintech-First AML Compliance

Q: Can Facctum support real-time onboarding and payment screening?

Yes. Facctum is designed for real-time screening workflows across customer onboarding and transaction flows, enabling fintechs to assess risk at the point of activity without relying solely on batch processing.

Q: Is Facctum suitable for high-growth fintechs and neobanks?

Yes. Facctum is built to scale with growing customer bases and transaction volumes, supporting multi-product environments and evolving regulatory requirements.

Q: Can we screen against internal risk lists as well as sanctions lists?

Yes. Facctum supports internal watchlists alongside global sanctions, PEP, and adverse media data through a single governed data layer.

Q: Does Facctum reduce false positives?

Facctum applies probabilistic scoring, configurable filters, and data normalisation to help reduce noise and prioritise higher-risk matches without sacrificing regulatory coverage.

Q: Can Facctum integrate into our existing fintech platform?

Yes. Facctum follows an API-first architecture, allowing screening, monitoring, and alerting capabilities to be integrated directly into fintech platforms and workflows.

Modern fintechs must screen customers and payments in real time without slowing growth. Facctum helps fintech teams screen against sanctions, PEP, and risk lists while supporting fast onboarding, instant payments, and cross-border expansion.

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Explore Our Compliance Suite

Smart, scalable tools built to strengthen AML, screening, and monitoring across financial institutions.

Customer Screening

Screen customers and counterparties in real time with accurate risk profiling built for fast, compliant onboarding workflows.

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Watchlist Management

Centralise, govern, and enrich sanctions, PEP, and adverse media lists to improve screening accuracy and reduce false positives.

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Payment Screening

Screen payment parties and transaction data against sanctions, PEPs, and watchlists to identify financial crime risk.

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Transaction Monitoring

Continuously monitor transaction streams to identify suspicious behaviour patterns and flag real risks in real time.

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Alert Adjudication

Standardise and accelerate alert investigations with explainable AI scoring that reduces manual effort and false positives.

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Watchlist Management

Centralise, govern, and enrich sanctions, PEP, and adverse media lists to improve screening accuracy and reduce false positives.

Learn More

Customer Screening

Screen customers and counterparties in real time with accurate risk profiling built for fast, compliant onboarding workflows.

Learn More

Payment Screening

Screen payment parties and transaction data against sanctions, PEPs, and watchlists to identify financial crime risk.

Learn More

Transaction Monitoring

Continuously monitor transaction streams to identify suspicious behaviour patterns and flag real risks in real time.

Learn More

Alert Adjudication

Standardise and accelerate alert investigations with explainable AI scoring that reduces manual effort and false positives.

Learn More

Watchlist Management

Centralise, govern, and enrich sanctions, PEP, and adverse media lists to improve screening accuracy and reduce false positives.

Learn More

Customer Screening

Screen customers and counterparties in real time with accurate risk profiling built for fast, compliant onboarding workflows.

Learn More

Payment Screening

Screen payment parties and transaction data against sanctions, PEPs, and watchlists to identify financial crime risk.

Learn More

Transaction Monitoring

Continuously monitor transaction streams to identify suspicious behaviour patterns and flag real risks in real time.

Learn More

Alert Adjudication

Standardise and accelerate alert investigations with explainable AI scoring that reduces manual effort and false positives.

Learn More

Why Compliance Pressure Is Increasing for Fintechs

Fintechs operate at high speed, across borders, and under growing regulatory scrutiny. Legacy screening tools struggle to keep up with real-time flows, rapid customer growth, and evolving AML requirements.

High Alert Volumes

High false-positive rates create friction for customers and overload lean compliance teams.

Rapid Customer Onboarding

Fast onboarding increases risk exposure if screening systems cannot operate in real time.

Real-Time Payment Pressure

Batch-based screening cannot keep up with instant payment rails and embedded finance flows.

Regulatory Expansion

As fintechs enter new markets, they must adapt quickly to new sanctions regimes and regulatory expectations.

How Facctum Helps Fintechs Scale Compliance Without Slowing Growth

Facctum prepares and governs compliance data so fintech teams can screen customers and payments in real time, reduce false positives, and stay regulator-ready as volumes and jurisdictions expand, without disrupting onboarding or transaction flows.

Ingest Customer and Transaction Data

Facctum ingests onboarding data, customer profiles, and transaction events from fintech platforms and payment systems, supporting both real-time and batch inputs.

Normalise and Enrich Records

Incoming data is standardised into consistent, structured formats and enriched with identity attributes and risk indicators to improve downstream screening accuracy.

Deduplicate and Resolve Entities

Duplicate records and fragmented identities are consolidated into unified profiles, reducing noise and preventing repeat alerts across onboarding and transaction flows.

Apply Real-Time Screening

Customers and payments are screened instantly against sanctions, PEP, adverse media, and internal risk lists at the point of activity.

Score and Filter Results

Probabilistic scoring and configurable filters are applied to screening outcomes to prioritise higher-risk matches and reduce false positives.

Generate Review-Ready Alerts

Structured alerts are created with full data context, helping analysts understand why a match triggered and what risk factors are present.

Route and Prioritise Cases

Alerts are triaged and prioritised based on risk level, customer type, and operational rules to prevent backlogs and focus analyst effort.

Maintain Audit-Ready Records

All screening decisions, data changes, and adjudication actions are logged to support regulatory review, internal governance, and ongoing compliance assurance.

Why Fintech Teams Choose Facctum

Facctum is designed to support high-growth fintech environments by improving screening efficiency, reducing manual review load, and maintaining regulatory readiness as volumes scale.

Fast Screening

Facctum delivers real-time screening results in under 80 milliseconds. Whether you’re processing SWIFT, SEPA Instant, or ISO 20022 transactions, payments stay compliant without slowing down. Explore Payment Screening to see how our technology keeps every transaction moving.

Always On, Always Compliant

With 99.9% uptime, Facctum keeps your AML operations running without interruption, even during peak volumes or system changes. Your compliance team can focus on decisions, not downtime. Learn more in Alert Adjudication about how we keep workflows live and audit-ready.

Sanctions Updates Within Minutes

Our platform refreshes regulatory watchlists in under 5 minutes, so you’re always screening against the latest data. No more lag between updates and checks, only timely, accurate alerts. See how FacctList automates sanctions and list management across global jurisdictions.

Scales With You - 5 Million+ Records

Facctum already handles over 5 million watchlist records for banks and neobanks worldwide. From sanctions, PEPs and internal lists, our platform grows as your compliance needs grow. Discover FacctView for seamless customer and counterparty screening at any scale.

Designed for Modern Fintech Platforms

Facctum integrates into fintech stacks and compliance workflows to support onboarding, screening, monitoring, and alert resolution across high-volume, multi-product environments.

Ready to Scale Compliance Without Slowing Growth?

Facctum helps fintech teams screen customers and payments in real time while maintaining audit-ready compliance workflows as volumes and jurisdictions expand.

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Fintech Compliance FAQs

Answers to common questions about real-time screening, scalability, and regulatory readiness for fintech platforms.

Can Facctum support real-time onboarding and payment screening?

Is Facctum suitable for high-growth fintechs and neobanks?

Can we screen against internal risk lists as well as sanctions lists?

Does Facctum reduce false positives?

Can Facctum integrate into our existing fintech platform?