Probability-based decisioning enables compliance teams to move beyond rigid pass or fail logic by applying probabilistic scoring to screening and monitoring outcomes. Rather than treating all matches equally, this approach supports more nuanced, risk-aligned decisions across customers, payments, and transactions.

Within the Facctum platform, probability-based decisioning supports solutions such as Customer Screening, Payment Screening, and Transaction Monitoring, helping organisations balance regulatory coverage with operational efficiency.

Why Probability-Based Decisioning Is Needed

Traditional compliance systems often rely on binary rules that trigger alerts whenever predefined thresholds are met. While effective for coverage, this approach can generate excessive false positives and limit the ability to differentiate risk levels.

Probability-based decisioning addresses this challenge by assigning likelihood scores to screening and monitoring outcomes. This enables more informed decisions, better prioritisation, and improved alignment with risk-based compliance principles.

How Probability-Based Decisioning Works

Probability-based decisioning works by evaluating multiple signals such as match strength, contextual data, and historical patterns to calculate a probability score. These scores indicate the relative likelihood that an alert or activity represents genuine risk.

Decision logic can then use these probabilities to trigger different actions, such as escalation, review, or automated handling, while maintaining transparency and control.

What Makes Facctum’s Approach Different

Facctum’s probability-based decisioning is designed to be transparent and configurable. Probability scores are derived from explainable inputs and can be tuned to align with organisational policy and regulatory expectations.

This approach allows firms to improve decision quality without introducing opaque models or losing control over outcomes.

Where Probability-Based Decisioning Is Used

Probability-based decisioning is applied in scenarios such as:

• Sanctions and watchlist screening

• Customer onboarding and periodic review

• Payment and transaction screening

• Alert prioritisation and escalation workflows

These use cases benefit from more granular risk differentiation.

How Probability-Based Decisioning Fits Into The Platform

Probability-based decisioning integrates with other platform capabilities such as fuzzy matching and scoring, AI-assisted alert adjudication, case prioritisation, and audit logging. It can be applied selectively across workflows depending on risk appetite and regulatory requirements.

This modular design allows organisations to adopt probabilistic logic without disrupting existing compliance processes.

Make Risk-Based Decisions With Confidence

Learn how probability-based decisioning can improve compliance outcomes and operational efficiency, speak with the Facctum team to see how this capability integrates into your screening and monitoring workflows.