Behavioural and pattern detection enable organisations to identify unusual or suspicious activity by analysing how customers, entities, and transactions behave over time. Rather than relying solely on static rules or isolated events, this capability focuses on patterns, trends, and deviations that may indicate evolving financial crime risk.

Within the Facctum platform, behavioural and pattern detection support solutions such as Customer Screening, Payment Screening, and Transaction Monitoring, helping compliance teams surface risk that may not be visible through single-point checks.

Why Behavioural And Pattern Detection Is Needed

Financial crime activity often emerges through changes in behaviour rather than obvious rule breaches. Sudden shifts in transaction frequency, unusual routing patterns, or changes in customer behaviour can signal elevated risk that static screening may miss.

Behavioural and pattern detection address this challenge by monitoring activity over time and highlighting deviations that warrant closer review.

How Behavioural And Pattern Detection Works

Behavioural and pattern detection work by analysing activity across defined time windows and comparing behaviour against expected patterns or historical baselines. Signals may include transaction velocity, value changes, geographic movement, or relationship dynamics.

When anomalies or suspicious patterns are detected, they can influence risk scores, trigger alerts, or prompt further investigation.

What Makes Facctum’s Approach Different

Facctum’s behavioural and pattern detection are designed to complement existing screening and monitoring controls. Detection logic is configurable and explainable, allowing organisations to understand why behaviour is flagged and adjust sensitivity as needed.

This approach supports effective monitoring without introducing opaque or uncontrolled analytics.

Where Behavioural And Pattern Detection Are Used

Behavioural and pattern detection are applied in scenarios such as:

• Transaction monitoring and behavioural analysis

• Ongoing customer risk assessment

• Detection of unusual payment activity

• Identification of emerging financial crime typologies

These use cases benefit from earlier visibility into evolving risk.

How Behavioural And Pattern Detection Fit Into The Platform

Behavioural and pattern detection integrate with other platform capabilities such as dynamic risk scoring, continuous screening, probability-based decisioning, and case prioritisation. Detected patterns can inform downstream alerts and risk assessments.

This integration ensures that behavioural insights contribute meaningfully to compliance workflows.

Identify Emerging Risk Through Behavioural Insight

Discover how behavioural and pattern detection can enhance risk visibility and early detection, speak with the Facctum team to see how this capability integrates into your compliance monitoring operations.