Neobanks redefine how customers interact with financial services; fast, digital, and global. Yet, the pace of innovation brings new compliance challenges. Facctum’s cloud-based AML compliance software gives Neobanks the agility to detect financial crime risks in real time while maintaining the transparency and control regulators demand. Designed for high-speed digital environments, the platform combines scalability, accuracy, and explainability in one unified system.

Why Neobanks Are Moving to Cloud-Based AML Platforms

Neobanks manage high volumes of transactions and rapid customer growth across multiple jurisdictions. Cloud-based AML systems deliver the responsiveness and flexibility required to maintain compliance without slowing down digital operations. They enable real-time monitoring, instant list updates, and versioned governance consistent with global standards like the FATF Recommendations and the EU AML Regulation. Cloud delivery ensures Neobanks can scale globally while retaining consistent control and auditability.

Key AML Challenges Facing Neobanks

As digital-first institutions, Neobanks must integrate compliance seamlessly into user journeys while handling continuous data and transaction flows.

Rapid Scaling and Onboarding

Neobanks onboard thousands of users daily. Cloud AML platforms process these checks instantly, preventing backlogs and maintaining customer satisfaction.

Cross-Border Operations

Operating across multiple markets introduces diverse AML rules. Cloud-native systems simplify governance by centralising policy management and localising configurations.

High Data Velocity

Real-time payments and continuous customer interactions create data surges. Cloud architectures handle this throughput without compromising screening accuracy.

False Positives and Manual Reviews

Advanced AI-driven matching and reasoning features reduce noise and help compliance teams focus on genuine risks.

How Facctum Enables Cloud AML for Neobanks

Facctum’s modular, cloud-native platform gives Neobanks the speed and intelligence required to maintain compliant growth. Each module integrates seamlessly with digital banking systems through APIs, ensuring fast deployment and minimal disruption.

Watchlist Management

Centralise global sanctions, PEP, and regulatory lists. Automated ingestion and real-time propagation keep screening consistent across channels. Explore Watchlist Management.

Customer Screening

Perform instant customer checks with AI-enhanced, context-aware matching for multilingual and multicultural data. Learn more about Customer Screening.

Payment Screening

Monitor payments in real time across card, instant, and cross-border channels with cloud elasticity to handle transaction peaks. See Payment Screening.

Alert Adjudication

Automate repetitive tasks, standardise decision-making, and log transparent reasoning for every disposition. Discover Alert Adjudication.

Why Neobanks Choose Cloud AML Solutions

Cloud-based AML systems align with the neobank operating model—fast, digital, and data-driven. They deliver security, scalability, and transparency in one environment.

Speed

Real-time screening integrates seamlessly with instant payment systems and digital onboarding.

Accuracy

Machine learning enhances name matching and reduces false positives, improving efficiency and customer experience.

Explainability

Each decision includes logic, data context, and policy versioning, ensuring full transparency for audits.

Scalability

Elastic infrastructure supports global expansion and new product rollouts without re-engineering systems.

Cloud AML Use Cases for Neobanks

Cloud AML solutions support Neobanks throughout the customer lifecycle—from account creation to transaction monitoring.

Instant Customer Screening

Validate customers instantly at signup to maintain a frictionless onboarding experience.

Cross-Market Compliance Consistency

Apply unified AML frameworks with configurable thresholds per region, ensuring local compliance and global governance.

Real-Time Transaction Screening

Keep pace with high-speed payment systems while ensuring compliance with FATF and EU AMLR standards.

Automated Alert Handling

Reduce manual workload by applying intelligent automation for low-risk alerts while preserving explainable oversight.

Governance and Compliance Confidence

Neobanks must demonstrate to regulators that cloud infrastructure supports effective, transparent AML operations. Facctum’s platform aligns with the FCA’s Financial Crime Guide and the EBA’s ML/TF Risk Factor Guidelines. Built-in reasoning codes, audit trails, and policy versioning simplify evidence submission and supervision.

Core Capabilities of Cloud AML for Neobanks

Facctum’s technology ensures digital-first compliance remains fast, explainable, and scalable.

AI-Driven Matching

Contextual algorithms enhance multilingual accuracy and cross-border entity resolution.

Configurable Policies

Adapt thresholds, lists, and rules to new markets while maintaining central oversight and control.

Continuous Learning

Analyst feedback continuously improves detection logic for better long-term accuracy.

Unified Oversight

Real-time dashboards visualise list updates, alert volumes, and resolution metrics for full transparency.

Trusted by Digital-First Banks

Facctum’s cloud-based AML software powers compliance for Neobanks and digital challengers worldwide. These institutions rely on the platform to maintain regulatory trust, prevent financial crime, and operate confidently across multiple jurisdictions. As regulatory convergence accelerates under the EU AML package, cloud delivery helps Neobanks achieve sustainable compliance maturity.