Watchlist Management
AI-Driven Alert Judgement and Decision Support for Banks
AI-Driven Alert Judgement and Decision Support for Banks
AI-Driven Alert Judgement and Decision Support for Banks
Banks face continuous pressure to assess large volumes of AML and sanctions alerts with accuracy, consistency, and clear documentation. Traditional manual reviews can introduce delays, uneven decision quality, and operational risk. AI-driven alert decision support enhances the way banks analyse, investigate, and close alerts. It provides contextual insights, guided recommendations, and automated evidence handling. Facctum helps banks combine human expertise with explainable AI to raise decision quality without compromising regulatory expectations.
Why Banks Need AI-Enhanced Alert Decisioning
Why Banks Need AI-Enhanced Alert Decisioning
Why Banks Need AI-Enhanced Alert Decisioning
Global supervisory bodies expect banks to demonstrate effective, risk-based control frameworks supported by reliable evidence. Standards from organisations such as the FATF methodology for AML effectiveness and the FATF mutual evaluation procedures highlight the need for clear justification, traceability, and sound decisioning. AI-driven tools assist banks by providing structured analysis, reducing noise, and strengthening documentation during investigations, all while keeping humans firmly in control.
Global supervisory bodies expect banks to demonstrate effective, risk-based control frameworks supported by reliable evidence. Standards from organisations such as the FATF methodology for AML effectiveness and the FATF mutual evaluation procedures highlight the need for clear justification, traceability, and sound decisioning. AI-driven tools assist banks by providing structured analysis, reducing noise, and strengthening documentation during investigations, all while keeping humans firmly in control.
Global supervisory bodies expect banks to demonstrate effective, risk-based control frameworks supported by reliable evidence. Standards from organisations such as the FATF methodology for AML effectiveness and the FATF mutual evaluation procedures highlight the need for clear justification, traceability, and sound decisioning. AI-driven tools assist banks by providing structured analysis, reducing noise, and strengthening documentation during investigations, all while keeping humans firmly in control.
Operational Challenges for Bank Alert Investigators
Operational Challenges for Bank Alert Investigators
Operational Challenges for Bank Alert Investigators
Banks need to balance speed with quality as they manage growing alert volumes.
Banks need to balance speed with quality as they manage growing alert volumes.
Banks need to balance speed with quality as they manage growing alert volumes.
Banks need to balance speed with quality as they manage growing alert volumes.
High Alert Volumes and Limited Analyst Time
Investigators handle large daily queues from screening and monitoring tools. AI can surface priority risks and reduce time spent gathering information.
High Alert Volumes and Limited Analyst Time
Investigators handle large daily queues from screening and monitoring tools. AI can surface priority risks and reduce time spent gathering information.
High Alert Volumes and Limited Analyst Time
Investigators handle large daily queues from screening and monitoring tools. AI can surface priority risks and reduce time spent gathering information.
High Alert Volumes and Limited Analyst Time
Investigators handle large daily queues from screening and monitoring tools. AI can surface priority risks and reduce time spent gathering information.
Data Fragmentation Across Systems
Customer data, transaction history, match records, and external context often live in separate systems. Analysts must manually assemble information before making decisions.
Data Fragmentation Across Systems
Customer data, transaction history, match records, and external context often live in separate systems. Analysts must manually assemble information before making decisions.
Data Fragmentation Across Systems
Customer data, transaction history, match records, and external context often live in separate systems. Analysts must manually assemble information before making decisions.
Data Fragmentation Across Systems
Customer data, transaction history, match records, and external context often live in separate systems. Analysts must manually assemble information before making decisions.
Inconsistent Investigations and Documentation
Variation in analyst experience can lead to inconsistent alert handling. AI-driven guidance helps promote standardised and well supported outcomes.
Inconsistent Investigations and Documentation
Variation in analyst experience can lead to inconsistent alert handling. AI-driven guidance helps promote standardised and well supported outcomes.
Inconsistent Investigations and Documentation
Variation in analyst experience can lead to inconsistent alert handling. AI-driven guidance helps promote standardised and well supported outcomes.
Inconsistent Investigations and Documentation
Variation in analyst experience can lead to inconsistent alert handling. AI-driven guidance helps promote standardised and well supported outcomes.
Increasing Regulatory Scrutiny
Increasing Regulatory Scrutiny
Increasing Regulatory Scrutiny
Increasing Regulatory Scrutiny
Auditors and supervisors require clear reasoning, timelines, and supporting evidence. Banks need tools that capture analysis steps and decision paths reliably.
Auditors and supervisors require clear reasoning, timelines, and supporting evidence. Banks need tools that capture analysis steps and decision paths reliably.
Auditors and supervisors require clear reasoning, timelines, and supporting evidence. Banks need tools that capture analysis steps and decision paths reliably.
How Facctum Supports AI-Driven Alert Judgement
How Facctum Supports AI-Driven Alert Judgement
How Facctum Supports AI-Driven Alert Judgement
Facctum integrates AI-driven insights into a governed adjudication and workflow environment.
Facctum integrates AI-driven insights into a governed adjudication and workflow environment.
Facctum integrates AI-driven insights into a governed adjudication and workflow environment.
Watchlist Management
Watchlist Management
Watchlist Management
Accurate sanctions and PEP lists reduce noise at source. Banks manage list quality, versioning, and stewardship with FacctList, Watchlist Management, ensuring AI-driven analysis begins with reliable data.
Accurate sanctions and PEP lists reduce noise at source. Banks manage list quality, versioning, and stewardship with FacctList, Watchlist Management, ensuring AI-driven analysis begins with reliable data.
Accurate sanctions and PEP lists reduce noise at source. Banks manage list quality, versioning, and stewardship with FacctList, Watchlist Management, ensuring AI-driven analysis begins with reliable data.
Screening
Screening
Screening
AI-enhanced decision support benefits from high quality upstream screening. FacctView, Customer Screening supports clear reasoning trails for onboarding and periodic review, while FacctShield, Payment Screening provides real-time transaction checks that feed consistent data into the AI layer.
AI-enhanced decision support benefits from high quality upstream screening. FacctView, Customer Screening supports clear reasoning trails for onboarding and periodic review, while FacctShield, Payment Screening provides real-time transaction checks that feed consistent data into the AI layer.
AI-enhanced decision support benefits from high quality upstream screening. FacctView, Customer Screening supports clear reasoning trails for onboarding and periodic review, while FacctShield, Payment Screening provides real-time transaction checks that feed consistent data into the AI layer.
Transaction Monitoring
Transaction Monitoring
Transaction Monitoring
Behavioural detection from FacctGuard, Transaction Monitoring enriches AI-driven insights by adding context such as patterns, thresholds, and customer behaviour.
Behavioural detection from FacctGuard, Transaction Monitoring enriches AI-driven insights by adding context such as patterns, thresholds, and customer behaviour.
Behavioural detection from FacctGuard, Transaction Monitoring enriches AI-driven insights by adding context such as patterns, thresholds, and customer behaviour.
Alert Adjudication
Alert Adjudication
Alert Adjudication
The core adjudication environment uses Alert Adjudication to standardise outcomes. AI-driven guidance provides analysts with context, indicators, and suggested reasoning paths while maintaining explainability and full human oversight.
The core adjudication environment uses Alert Adjudication to standardise outcomes. AI-driven guidance provides analysts with context, indicators, and suggested reasoning paths while maintaining explainability and full human oversight.
The core adjudication environment uses Alert Adjudication to standardise outcomes. AI-driven guidance provides analysts with context, indicators, and suggested reasoning paths while maintaining explainability and full human oversight.
Why Banks Choose Facctum for AI-Driven Decision Support
Why Banks Choose Facctum for AI-Driven Decision Support
Why Banks Choose Facctum for AI-Driven Decision Support
Banks adopt AI-driven decision support to balance speed, accuracy, and regulatory alignment.
Banks adopt AI-driven decision support to balance speed, accuracy, and regulatory alignment.
Banks adopt AI-driven decision support to balance speed, accuracy, and regulatory alignment.
Banks adopt AI-driven decision support to balance speed, accuracy, and regulatory alignment.
Guided, Explainable Decisions
AI assists investigators with context-aware cues, pattern recognition, and suggested reasoning. Analysts remain in control while benefiting from structured guidance.
Guided, Explainable Decisions
AI assists investigators with context-aware cues, pattern recognition, and suggested reasoning. Analysts remain in control while benefiting from structured guidance.
Guided, Explainable Decisions
AI assists investigators with context-aware cues, pattern recognition, and suggested reasoning. Analysts remain in control while benefiting from structured guidance.
Guided, Explainable Decisions
AI assists investigators with context-aware cues, pattern recognition, and suggested reasoning. Analysts remain in control while benefiting from structured guidance.
Scalable, Cloud Ready Infrastructure
Scalable, Cloud Ready Infrastructure
Facctum’s cloud architecture supports large-scale alert volumes. AI-driven insights can be applied consistently across global teams and multiple product lines.
Scalable, Cloud Ready Infrastructure
Facctum’s cloud architecture supports large-scale alert volumes. AI-driven insights can be applied consistently across global teams and multiple product lines.
Scalable, Cloud Ready Infrastructure
Facctum’s cloud architecture supports large-scale alert volumes. AI-driven insights can be applied consistently across global teams and multiple product lines.
Scalable, Cloud Ready Infrastructure
Facctum’s cloud architecture supports large-scale alert volumes. AI-driven insights can be applied consistently across global teams and multiple product lines.
Strong Alignment with Regulatory Expectations
Expectations from bodies such as the Financial Conduct Authority and the Bank of England prudential supervision framework emphasise governance, auditability, and clear documentation. Facctum supports these requirements with versioning, reasoning trails, and explainable AI logic.
Strong Alignment with Regulatory Expectations
Expectations from bodies such as the Financial Conduct Authority and the Bank of England prudential supervision framework emphasise governance, auditability, and clear documentation. Facctum supports these requirements with versioning, reasoning trails, and explainable AI logic.
Strong Alignment with Regulatory Expectations
Expectations from bodies such as the Financial Conduct Authority and the Bank of England prudential supervision framework emphasise governance, auditability, and clear documentation. Facctum supports these requirements with versioning, reasoning trails, and explainable AI logic.
Strong Alignment with Regulatory Expectations
Expectations from bodies such as the Financial Conduct Authority and the Bank of England prudential supervision framework emphasise governance, auditability, and clear documentation. Facctum supports these requirements with versioning, reasoning trails, and explainable AI logic.
Integrated Ecosystem for AML Controls
Integrated Ecosystem for AML Controls
AI-driven decision support is embedded across list management, screening, monitoring, and adjudication. Banks gain a unified, consistent operating model rather than disconnected tools.
Integrated Ecosystem for AML Controls
AI-driven decision support is embedded across list management, screening, monitoring, and adjudication. Banks gain a unified, consistent operating model rather than disconnected tools.
Integrated Ecosystem for AML Controls
AI-driven decision support is embedded across list management, screening, monitoring, and adjudication. Banks gain a unified, consistent operating model rather than disconnected tools.
Integrated Ecosystem for AML Controls
AI-driven decision support is embedded across list management, screening, monitoring, and adjudication. Banks gain a unified, consistent operating model rather than disconnected tools.
Use Cases Tailored to Banks
Use Cases Tailored to Banks
Use Cases Tailored to Banks
Banks apply AI-enhanced decision support across key areas of AML alert handling.
Banks apply AI-enhanced decision support across key areas of AML alert handling.
Banks apply AI-enhanced decision support across key areas of AML alert handling.
Sanctions and Watchlist Alert Review
Sanctions and Watchlist Alert Review
Sanctions and Watchlist Alert Review
AI highlights key match indicators, historical patterns, and supporting data to help investigators assess sanctions and PEP alerts more efficiently.
Transaction Monitoring Scenarios
Transaction Monitoring Scenarios
Transaction Monitoring Scenarios
Behavioural alerts are enriched with contextual signals, customer history, and relevant patterns that support deeper investigation.
High Risk Customer Oversight
High Risk Customer Oversight
High Risk Customer Oversight
AI helps identify recurring behaviours, trigger patterns, and risk escalation moments, supporting enhanced due diligence processes.
Quality Assurance and Oversight
Quality Assurance and Oversight
Quality Assurance and Oversight
Second line teams use AI-driven insights to identify inconsistent decision paths, training needs, and potential policy adjustments.
Core Capabilities for AI-Driven Decisioning at Scale
Core Capabilities for AI-Driven Decisioning at Scale
Core Capabilities for AI-Driven Decisioning at Scale
AI-driven alert judgement requires strong governance, data quality, and explainability.
AI-driven alert judgement requires strong governance, data quality, and explainability.
AI-driven alert judgement requires strong governance, data quality, and explainability.
Contextual Guidance and Risk Indicators
Contextual Guidance and Risk Indicators
Contextual Guidance and Risk Indicators
AI surfaces relevant signals, match details, and behavioural cues to support faster, more accurate alert resolution.
Automated Evidence Collection
Automated Evidence Collection
Automated Evidence Collection
Supporting data from multiple systems can be collected automatically, reducing manual effort and improving documentation quality.
Supporting data from multiple systems can be collected automatically, reducing manual effort and improving documentation quality.
Supporting data from multiple systems can be collected automatically, reducing manual effort and improving documentation quality.
Explainable AI and Transparent Logic
Explainable AI and Transparent Logic
Explainable AI and Transparent Logic
Every AI output is backed by clear reasoning that investigators can review and challenge, ensuring decisions remain accountable.
Every AI output is backed by clear reasoning that investigators can review and challenge, ensuring decisions remain accountable.
Every AI output is backed by clear reasoning that investigators can review and challenge, ensuring decisions remain accountable.
Audit Trails, Governance, and Policy Management
Audit Trails, Governance, and Policy Management
Audit Trails, Governance, and Policy Management
All decision steps and AI-generated recommendations are logged. Configuration and policy updates are controlled centrally to maintain governance.
All decision steps and AI-generated recommendations are logged. Configuration and policy updates are controlled centrally to maintain governance.
All decision steps and AI-generated recommendations are logged. Configuration and policy updates are controlled centrally to maintain governance.
AI-Driven Alert Judgement FAQs for Banks
AI-Driven Alert Judgement FAQs for Banks
AI-Driven Alert Judgement FAQs for Banks
AI-Driven Alert Judgement FAQs for Banks
AI-Driven Alert Judgement FAQs for Banks
The solution brings together automation, accuracy, and explainability to deliver operational and regulatory confidence.
The solution brings together automation, accuracy, and explainability to deliver operational and regulatory confidence.
The solution brings together automation, accuracy, and explainability to deliver operational and regulatory confidence.
The solution brings together automation, accuracy, and explainability to deliver operational and regulatory confidence.
The solution brings together automation, accuracy, and explainability to deliver operational and regulatory confidence.
How Do Banks Balance AI Support with Human Control?
How Does AI Help Reduce False Positives?
What External Expectations Shape AI-Driven Decisioning?
How Do Banks Improve AI Accuracy Over Time?
How Can Institutions Measure Their Resilience Readiness?
How Do Banks Balance AI Support with Human Control?
How Does AI Help Reduce False Positives?
What External Expectations Shape AI-Driven Decisioning?
How Do Banks Improve AI Accuracy Over Time?
How Can Institutions Measure Their Resilience Readiness?
How Do Banks Balance AI Support with Human Control?
How Does AI Help Reduce False Positives?
What External Expectations Shape AI-Driven Decisioning?
How Do Banks Improve AI Accuracy Over Time?
How Can Institutions Measure Their Resilience Readiness?
How Do Banks Balance AI Support with Human Control?
How Does AI Help Reduce False Positives?
What External Expectations Shape AI-Driven Decisioning?
How Do Banks Improve AI Accuracy Over Time?
How Can Institutions Measure Their Resilience Readiness?
How Do Banks Balance AI Support with Human Control?
How Does AI Help Reduce False Positives?
What External Expectations Shape AI-Driven Decisioning?
How Do Banks Improve AI Accuracy Over Time?
How Can Institutions Measure Their Resilience Readiness?
How Do Banks Balance AI Support with Human Control?
How Does AI Help Reduce False Positives?
What External Expectations Shape AI-Driven Decisioning?
How Do Banks Improve AI Accuracy Over Time?
How Can Institutions Measure Their Resilience Readiness?
Ready to Enhance Alert Decisioning with AI?
Facctum helps banks modernise alert investigations with AI-driven judgement tools that strengthen decision quality, speed, and governance. Build confidence across teams, auditors, and supervisors with transparent, data-driven insights.
Request a Demo
Ready to Enhance Alert Decisioning with AI?
Facctum helps banks modernise alert investigations with AI-driven judgement tools that strengthen decision quality, speed, and governance. Build confidence across teams, auditors, and supervisors with transparent, data-driven insights.
Request a Demo
Ready to Enhance Alert Decisioning with AI?
Facctum helps banks modernise alert investigations with AI-driven judgement tools that strengthen decision quality, speed, and governance. Build confidence across teams, auditors, and supervisors with transparent, data-driven insights.
Request a Demo
Ready to Enhance Alert Decisioning with AI?
Facctum helps banks modernise alert investigations with AI-driven judgement tools that strengthen decision quality, speed, and governance. Build confidence across teams, auditors, and supervisors with transparent, data-driven insights.
Request a Demo
Ready to Enhance Alert Decisioning with AI?
Facctum helps banks modernise alert investigations with AI-driven judgement tools that strengthen decision quality, speed, and governance. Build confidence across teams, auditors, and supervisors with transparent, data-driven insights.
Request a Demo
Ready to Enhance Alert Decisioning with AI?
Facctum helps banks modernise alert investigations with AI-driven judgement tools that strengthen decision quality, speed, and governance. Build confidence across teams, auditors, and supervisors with transparent, data-driven insights.
Request a Demo
Protect against compliance failings, and transact with confidence.
Book a demo to find out more.
Protect against compliance failings, and transact with confidence.
Book a demo to find out more.
Protect against compliance failings, and transact with confidence.
Book a demo to find out more.
Protect against compliance failings, and transact with confidence.
Book a demo to find out more.
Protect against compliance failings, and transact with confidence.
Book a demo to find out more.
Protect against compliance failings, and transact with confidence.
Book a demo to find out more.
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© Facctum 2025
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© Facctum 2025
Solutions
Industries
© Facctum 2025