Cloud deployment has become the fastest path for banks to strengthen AML controls while reducing operational overhead. Facctum’s cloud-based AML compliance software delivers high-speed screening, elastic scale, and transparent governance so compliance teams can meet regulatory expectations without slowing customer journeys or payments. Built for enterprise security and resilience, the platform supports global banks and digital-first challengers with consistent performance across regions.

Why Cloud-Based AML Is Transforming Banking Compliance

Cloud-native AML platforms give banks access to continuously updated models, global list data, and performance at scale. Instead of maintaining on-premise systems that are costly to upgrade, cloud delivery accelerates deployment, standardises controls, and supports real-time workloads. International standards such as the FATF Recommendations emphasise risk-based, effective measures, and regulators in the EU continue to harmonise rules through the new EU AML package and AML Regulation. Cloud delivery helps banks align with these expectations by enabling agility, transparency, and rapid iteration.

Key Challenges With Legacy AML Setups

Banks still operating legacy, on-premise tooling face rising costs and uneven performance as data volumes grow and typologies evolve. A move to cloud-based AML solves structural bottlenecks while keeping controls explainable and auditable.

Scalability Limits

Fixed infrastructure struggles with peak volumes and cross-border demands. Cloud platforms provide elastic capacity so screening stays fast during onboarding surges and payment spikes.

Slow Change Management

Upgrades and model refreshes are lengthy in legacy environments. Cloud delivery enables continuous updates so screening logic tracks regulatory change and list updates without delay.

Fragmented Data Handling

Disparate systems make it hard to maintain a single source of truth for sanctions, PEPs, and adverse media. Cloud architectures centralise list management and propagate changes instantly across services.

Operational Overhead

Maintaining hardware, patching, and version control consumes resources. Cloud services reduce total cost of ownership and free teams to focus on oversight and effectiveness.

How Facctum Delivers Cloud-Based AML for Banks

Facctum integrates AI-enabled screening, list management, and alert decisioning in a secure cloud architecture. Each capability is modular and API-first so banks can adopt what they need, then expand across regions and business lines.

Watchlist Management

Centralise and maintain sanctions, PEP, and regulatory lists with automated ingestion, data quality controls, and versioned governance. Updates propagate in real time to downstream screening services. Learn more about Watchlist Management.

Customer Screening

Screen new and existing customers against global lists with high-precision matching that handles multilingual names and data variations. Explainable outputs and audit trails help teams evidence risk-based decisions. Explore Customer Screening.

Payment Screening

Apply real-time payment and transaction screening across SEPA, SWIFT, and ISO 20022 workloads with minimal latency. Cloud elasticity keeps performance steady during peak settlement windows. See Payment Screening.

Alert Adjudication

Automate low-risk dispositions and standardise investigations with decision intelligence, reasoning fields, and review workflows. Version-controlled policies make audits straightforward. Discover Alert Adjudication.

Why Banks Choose Cloud Delivery for AML

Cloud-based AML delivers measurable performance gains with the governance controls regulators expect. Public guidance like the FCA’s recent Financial Crime Guide updates and OFAC’s Framework for Compliance Commitments underline the need for clear systems, controls, and records. Cloud deployment helps banks show how policies translate into consistent, explainable outcomes.

Speed

Real-time screening and parallel processing maintain instant payments and fast onboarding without degradation.

Accuracy

Advanced matching reduces false positives by aligning context such as language, geography, and entity type, which improves analyst productivity.

Explainability

Every alert carries reasoning codes, data references, and decision paths so teams can justify outcomes to internal audit and supervisors.

Scalability

Elastic resources support regional rollouts, new products, and regulatory change without disruptive replatforming.

Cloud AML Use Cases for Banks

Banks use cloud-based AML to raise control effectiveness while cutting operational effort, all within a regulator-ready framework.

Rapid List Update Propagation

When sanctions change, central list updates flow instantly to customer and payment screening, reducing exposure windows and manual rework.

Cross-Region Consistency

Global teams operate one standard, versioned screening policy with local configurations for thresholds, lists, and languages.

Real-Time Screening at Scale

High-volume retail and corporate flows are screened in milliseconds, keeping customer experience smooth during busy periods.

Faster Alert Closure

Analysts receive enriched, explainable alerts with consistent decision fields, which shortens investigation time and improves MI quality.

Delivering Value Across the Compliance Lifecycle

A unified, cloud-first architecture connects watchlist management, customer screening, payment screening, and alert adjudication so banks can manage risk from onboarding through ongoing activity. Central governance and version control keep policies aligned with standards such as the FATF Recommendations and the EU’s harmonised AML rules set out in the EU AML package.

Key Features of Facctum’s Cloud AML Platform

The platform combines intelligence, automation, and oversight to help banks detect risk accurately and document decisions clearly.

Context-Aware Matching

Algorithms account for spelling, transliteration, and linguistic nuances to improve precision across scripts and alphabets.

Risk Scoring and Prioritisation

Confidence scoring and policy rules route alerts to the right workflow so teams focus on the highest-risk items first.

Continuous Optimisation

Feedback and adjudication outcomes feed model and rule improvements so performance increases over time.

Explainable Decision Framework

Each alert includes reasoning fields, evidence links, and versioned policy references to support audit and supervisory reviews.

Built for Modern Compliance Teams

Compliance leaders need clarity, control, and resilience. Facctum’s cloud platform is designed to meet these needs across banking environments.

• Explainable – Decisions include transparent logic and evidence

• Auditable – Policies, lists, and models are version-controlled and exportable

• Scalable – Cloud infrastructure adapts to high-volume, multi-jurisdictional workloads

• Secure – Enterprise-grade security and governance protect sensitive data

Trusted by Banks Worldwide

Facctum supports AML operations at global, regional, and digital-first banks. Teams use our platform to reduce false positives, keep pace with regulatory change, and maintain trust with supervisors.

 Recent EU developments, including adoption of the AML package by the Council in May 2024, highlight the importance of harmonised, effective controls that cloud delivery helps banks achieve. See the Council’s announcement on the new rules here.

Cloud AML FAQs for Banks

How does cloud deployment improve AML effectiveness?

Cloud delivery accelerates updates, centralises list management, and provides elastic compute so screening remains fast and accurate at scale.

Is cloud-based AML acceptable to regulators?

Yes. Supervisory expectations focus on effectiveness, governance, and records. Public guidance like the FCA’s Financial Crime Guide updates and OFAC’s compliance framework emphasise documented controls and accountability, which cloud delivery supports.

Can cloud-based screening reduce false positives?

Yes. Context-aware matching and continuous optimisation reduce noise while preserving sensitivity to true risk, which improves analyst efficiency.

How does the platform support multi-jurisdiction operations?

Versioned policies, local configurations, and centrally managed lists keep controls consistent while enabling regional adjustments.