Fintechs operate at the intersection of innovation and regulation, where agility and compliance must move in sync. Facctum’s cloud-based AML compliance software enables fintechs to manage financial crime risks in real time, supporting global growth and regulatory confidence. Built for scale, explainability, and speed, the platform delivers modern AML controls that fit dynamic digital ecosystems.

Why Fintechs Are Turning to Cloud-Based AML Solutions

Fintechs face unique compliance challenges as they expand into new markets, onboard customers rapidly, and process high transaction volumes. Cloud-native AML systems offer the flexibility and speed that on-premise systems can’t match. They provide always-on performance, instant updates, and explainable governance aligned with the FATF Recommendations and EU AML Regulation. Cloud delivery also supports continuous compliance improvement while minimising operational overhead.

Common AML Challenges in Fintech

Fintechs must demonstrate robust financial crime controls while preserving seamless digital experiences. Legacy tools and manual processes often limit their ability to scale effectively.

Rapid Customer Growth

Fast onboarding cycles increase risk exposure if screening systems can’t keep up. Cloud AML platforms scale elastically to maintain real-time performance under load.

Regulatory Complexity

Fintechs often operate across multiple jurisdictions with diverse AML requirements. Cloud-based systems simplify oversight through standardised, centrally governed frameworks.

Fragmented Data Sources

Multiple APIs and partner integrations can create inconsistent data quality. Cloud delivery unifies screening logic and data governance to ensure accuracy and traceability.

False Positives and Alert Fatigue

AI-driven matching in cloud AML solutions helps fintechs reduce alert noise while maintaining high detection sensitivity.

How Facctum Delivers Cloud AML for Fintechs

Facctum’s modular platform combines precision, explainability, and automation to help fintechs comply with global AML obligations without sacrificing speed or customer experience.

Watchlist Management

Centralise sanctions, PEP, and regulatory lists with real-time updates and transparent version control. See Watchlist Management.

Customer Screening

Perform fast, multilingual screening for individuals and businesses, using AI-enhanced matching to improve precision and explainability. Learn more about Customer Screening.

Payment Screening

Enable seamless real-time transaction screening across card, wallet, and bank payment channels. Cloud elasticity ensures consistent performance during traffic spikes. Explore Payment Screening.

Alert Adjudication

Streamline investigation workflows, automate low-risk decisions, and capture full reasoning trails for regulators. Discover Alert Adjudication.

Why Fintechs Prefer Cloud AML Platforms

Cloud AML platforms offer fintechs the scalability and transparency needed to operate confidently across borders and payment channels.

Speed

Real-time screening ensures instant transaction approvals without interrupting customer journeys.

Accuracy

Contextual matching algorithms identify true risks while reducing false positives, improving analyst productivity.

Explainability

Each decision includes reasoning fields and data evidence, supporting transparent governance.

Scalability

Elastic infrastructure supports rapid market expansion and integration with new partners and APIs.

Cloud AML Use Cases for Fintechs

Cloud-based AML supports core fintech workflows, helping start-ups and scaleups maintain compliant growth.

Instant Payment Screening

Screen digital wallet, card, and API-driven transactions in milliseconds to maintain compliance and customer trust.

Continuous List Updates

Automate global list updates so screening decisions always reflect the latest regulatory data.

Unified Risk Oversight

Connect customer, transaction, and partner screening in one platform to enable end-to-end AML visibility.

Automated Alert Resolution

Apply intelligent automation to handle repetitive alerts, improving investigation speed and audit readiness.

Governance and Regulatory Alignment

Fintechs need to show regulators consistent, explainable AML controls. Facctum’s cloud delivery model supports full auditability and alignment with global frameworks including the FCA Financial Crime Guide and EBA Risk Factor Guidelines. Built-in reasoning fields and data provenance enhance credibility with auditors and supervisors.

Core Features of Cloud AML for Fintechs

Each module is designed for flexibility, performance, and regulatory confidence.

Advanced Matching

AI-powered name and entity matching supports multilingual, cross-border data for high accuracy.

Configurable Rules Engine

Adapt screening thresholds, list priorities, and policies per market or product line with versioned control.

Continuous Optimisation

Machine learning improves detection logic over time using feedback from analyst actions.

Central Oversight Dashboard

Track screening activity, list changes, and alert trends across all fintech channels in real time.

Trusted by Leading Fintechs

Facctum’s cloud-based AML software helps fintechs balance speed, innovation, and compliance. From Neobanks to digital wallets and payment gateways, fintechs use Facctum’s cloud platform to scale safely while demonstrating robust AML controls. Cloud-native deployment ensures fast updates, simplified integration, and regulator-ready transparency.