Real-Time AML for Neobanks

Q: Can Facctum support real-time customer onboarding?

Yes. Facctum is designed for real-time screening workflows that allow neobanks to assess customer risk at the point of onboarding without relying solely on batch processing.

Q: Is Facctum suitable for fast-growing digital banks?

Yes. Facctum is built to scale with growing customer bases and transaction volumes, supporting fully digital operating models 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 digital banking platform?

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

Facctum helps neobanks screen customers and transactions in real time while maintaining audit-ready compliance workflows across jurisdictions.

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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 Neobanks

Neobanks operate fully digital, high-growth business models and face rising regulatory scrutiny, expanding sanctions obligations, and increasing customer and transaction volumes. Legacy screening tools struggle to keep up with real-time onboarding and evolving AML requirements.

Rapid Customer Growth

Fast onboarding volumes increase operational strain and risk exposure if screening systems cannot operate in real time.

Cross-Border Expansion

Entering new markets introduces additional sanctions regimes and regulatory complexity.

Real-Time Transaction Flows

Instant payments and card transactions require screening decisions to be made without introducing processing delays.

Regulatory Accountability

Neobanks must maintain explainable screening decisions and audit-ready records to satisfy regulators and banking partners.

How Facctum Helps Neobanks Scale Compliance Without Slowing Growth

Facctum prepares and governs compliance data so neobanks can screen customers and transactions in real time, reduce false positives, and stay regulator-ready as customer volumes and jurisdictions expand.

Ingest Customer and Transaction Data

Facctum ingests onboarding data, customer profiles, and transaction events from neobank platforms and payment systems.

Normalise and Structure Records

Incoming data is standardised into consistent formats to support accurate customer and counterparty screening.

Deduplicate and Resolve Identities

Duplicate customer records and fragmented identities are consolidated to reduce noise and repeat alerts.

Apply Real-Time Screening

Customers and transactions 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 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 customer or transaction was flagged.

Route and Prioritise Cases

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

Maintain Audit-Ready Records

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

Why Neobanks Choose Facctum

Facctum is designed to support high-growth digital banks by improving screening efficiency, reducing manual review load, and maintaining regulatory readiness as customer bases 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 Digital Banking Platforms

Facctum integrates into neobank stacks and compliance workflows to support onboarding, screening, monitoring, and alert resolution across high-volume digital banking environments.