RegTech AML solutions are technology-driven tools that use automation, data analytics, and advanced screening methods to help financial institutions comply with anti-money laundering (AML) regulations.
These solutions allow firms to streamline compliance operations, reduce manual inefficiencies, and improve accuracy when detecting suspicious or prohibited activity.
Regulators such as the Financial Action Task Force (FATF) encourage the use of technology to strengthen AML frameworks and prevent financial crime, by promoting innovation in analytics, data pooling, and automation.
How Do RegTech AML Solutions Work?
RegTech AML solutions work by integrating directly into customer onboarding, payment flows, and compliance monitoring systems. They use rules, risk models, and AI to automatically flag suspicious behaviour while reducing false positives.
Core capabilities include:
Customer screening to detect sanctioned or high-risk individuals
Payment screening to block prohibited transfers in real time
Transaction monitoring to identify unusual activity patterns
Alert adjudication to resolve compliance alerts consistently and efficiently
The UK Financial Conduct Authority (FCA) has emphasised that technology-led solutions are essential for effective detection, monitoring, and disruption of financial crime.
What Are The Benefits Of RegTech AML Solutions?
Adopting RegTech AML solutions offers multiple advantages for financial institutions:
Efficiency: Automating manual tasks reduces compliance costs and improves speed.
Accuracy: Advanced matching techniques lower false positives and improve detection.
Scalability: Cloud-native systems handle growing transaction volumes.
Auditability: Every decision is documented for regulatory review.
Regulatory alignment: Tools keep pace with global AML standards.
The Bank for International Settlements (BIS) has noted that digital innovation in compliance improves resilience and reduces inefficiencies.
Which RegTech AML Solutions Do We Provide?
At Facctum, we provide modular RegTech AML solutions designed to address every stage of compliance:
Customer Screening
Screening customers against sanctions, politically exposed persons (PEPs), and adverse media lists to detect high-risk individuals before onboarding.
Watchlist Management
Maintaining up-to-date global watchlists and risk lists, ensuring accurate data and reducing false positives.
Payment Screening
Checking real-time payments against sanctions lists to block prohibited transactions instantly.
Transaction Monitoring
Analysing transactions in real time to detect unusual patterns that may indicate financial crime.
Alert Adjudication
Providing structured workflows to investigate, resolve, and escalate compliance alerts.
Know Your Business
Helping institutions verify and monitor corporate entities to detect hidden risks.
What Is The Future Of RegTech AML Solutions?
The role of RegTech AML solutions is expanding as regulators increase their expectations for real-time, technology-driven compliance.
Future developments include:
AI and machine learning for more accurate detection of complex risks
Graph-based analytics to uncover hidden relationships between entities
Cross-border interoperability to harmonise compliance across multiple jurisdictions
Continuous monitoring replacing periodic checks with real-time oversight
Strengthen Your Compliance With RegTech AML Solutions
Financial institutions face growing regulatory pressures, and manual processes are no longer sufficient. Our Customer Screening, Payment Screening, Transaction Monitoring, and Alert Adjudication solutions provide the technology and automation needed to stay compliant, reduce costs, and improve detection accuracy.
Contact Us Today To Implement Scalable RegTech AML Solutions
