Customer & Entity Risk Assessment

Adaptive, Risk-based Customer Due Diligence

Tailor transaction monitoring policies to your customer’s risk profile to implement a risk-based AML compliance.

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Challenges

Challenges We Solve

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Uniform and Siloed Monitoring
Without incorporating customer risk dynamically, high-risk entities may undergo the same level of transaction checks as low-risk customers, leaving critical threats under-scrutinized.
Inaccurate and delayed risk profiles
Critical alerts and SARs aren’t fed back into risk scores, causing high-risk customers to remain under-monitored.
Fragmented Workflows
Disconnected risk and transaction systems require manual handoffs , slow down response, and reduce the effectiveness of both monitoring and due diligence.
How FOCAL facilitates this use case

Integrated Risk Scoring and Transaction Monitoring

FOCAL ties customer risk and transaction monitoring in a continuous feedback loop, ensuring enhanced scrutiny and accurate risk scoring.

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Comprehensive Customer Data Gathering & Identity Verification

  • FOCAL seamlessly ingests data related to client identity, business activities, ownership structure, and source of funds to build a comprehensive customer profile.
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  • The platform verifies identities against trusted databases for a full, accurate profile.
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Dynamic Risk Scoring & Sanctions Screening

Using configurable factors, FOCAL calculates a real-time risk score for each customer and cross-references them against global watchlists to flag PEPs, sanctions, and adverse media.

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Risk-based Transaction Monitoring

  • Transaction activity is evaluated continuously with tailored rules and AI/ML anomaly models.
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  • High-risk customers automatically trigger deeper inspections, while low-risk profiles follow baseline checks.
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360-Degree Compliance Review

  • Investigators see each alert alongside the customer’s current risk score and transaction behavior.
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  • The compliance team can then quickly validate the transactions and act on truly suspicious cases.
Benefits

Optimized Transaction Monitoring with Integrated Risk Scoring

Dynamic Customer Risk Profiling 
Continuously update risk scores as customer data and transaction behavior evolve, ensuring up-to-date Customer Due Diligence (CDD) decisions.
Improved Operational Efficiency
Streamline your compliance processes with built-in workflow automations and process alerts without requiring additional resources.
Risk-Based Monitoring
Align transaction checks to each customer’s risk level, enhancing security for higher-risk profiles and minimizing false alarms for lower-risk ones.
Advantages

Why Businesses Choose FOCAL for Customer and Entity Risk Assessment?

Our solutions are tailored to meet your industry’s unique challenges.

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Experts in Financial Crime Compliance in KSA and the GCC Region.
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Customizable rules engine for tailored customer risk scores to match your business needs.
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Agentic AI that transforms your compliance by identifying risks, automating investigations, and SAR reporting.
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Extensive Professional Services that act as an extension of your team, handling setup, rule optimization, and custom enhancements.

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Financial Crime Intelligence, a unified, real-time decisioning tool that helps you detect sophisticated financial crime risks, accelerate investigations and make informed decisions.
Industries

Industries We Protect

Our solutions are tailored to meet your industry’s unique challenges.

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Banks & Financial Services
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Fintech
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Capital Markets
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Financing & Lending
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Insurance
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Buy Now, Pay Later
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Governments & Public Services
Testimonials

Real Results from Real Teams

Hear how FOCAL is helping compliance teams work faster and reduce risk.

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Fair to say that FOCAL’s sanction screening solution is straightforward, reliable, and always available. Not to mention FOCAL’s professional and friendly account managers and subject-matter experts who guided us through the entire process.

Hashem Sbeitan
Risk & Fraud Director

FOCAL has proven to be an invaluable asset for us, resulting in more than 87% reduction in our onboarding time and enhancing our operational efficiency. This has allowed us to easily onboard new customers and grow confidently.

Ali Alshamrany
Risk & Fraud Director

FOCAL allows us to be compliant quickly. We use FOCAL to automate the screening of our customers with relative ease. FOCAL’s ever-evolving offerings never fail to surprise us, and it gives us confidence in the product’s ability to keep up with rising expectations of both regulators and customers.

Hussein Hejles
Director of Compliance
FAQ’s

Frequently Asked Questions

  • How can institutions customize FOCAL’s risk assessment and monitoring rules?

    Institutions can configure the risk weightage for each field in the customer Due Diligence product to meet their business requirements and configure rules in Transaction Monitoring to trigger automated cases and alerts. This ensures targeted and effective monitoring and risk assessment.

  • What kind of support does FOCAL provide for implementing customer and entity risk assessment?

    FOCAL offers comprehensive support, including deployment assistance, system audits, ongoing training programs, and access to expert resources to ensure smooth implementation and optimal performance. FOCAL also provides an extensive Professional Services where our experts provide end-to-end support for deployment, tuning and assessment, reporting and customized AML solutions.

  • What support does FOCAL Professional Services provide for transaction monitoring?

    FOCAL Professional Services offers end-to-end support to ensure your AML system performs at its best. This includes seamless deployment, pre- and post-live performance analysis, tuning of rules and thresholds, and system audits to identify vulnerabilities. Experts provide tailored solutions, including custom rule-based and machine learning models to detect anomalies. The team also supports AML compliance reporting and KPI tracking, helping you maintain robust, efficient, and fully auditable compliance operations.

  • How can I integrate FOCAL’s Transaction Monitoring Solution with our existing systems?

    Integration is seamless with FOCAL’s easy-to-use API, allowing you to connect the solution to your existing systems quickly and efficiently. For more information, refer to the integration guide

  • What reporting capabilities does FOCAL’s Transaction Monitoring Solution offer?

    FOCAL provides detailed reporting capabilities, including automated SAR/STR generation from confirmed cases, detailed case exports for audit and regulatory needs, and dashboards & analytics.

  • How does FOCAL’s solution handle data privacy and security?

    FOCAL ensures data privacy and security through encryption, access controls, compliance with data protection regulations, and the safeguarding of sensitive information. All data at rest and in transit is secured using industry-standard encryption protocols and technologies, ensuring that sensitive information remains unreadable to unauthorized parties.

  • How can we customize transaction monitoring rules to fit our specific needs?

    FOCAL’s solution allows for the customization of transaction monitoring rules using a flexible rules engine, enabling you to tailor the system to your specific risk profiles and business requirements through a no-code interface. Additionally, you can leverage FOCAL Professional Services for tailored rule customization, threshold tuning, and control enhancements, ensuring a strong and reliable AML compliance framework.

  • How does FOCAL’s solution support regulatory compliance?

    FOCAL’s solution supports regulatory compliance by continuously monitoring transactions, generating alerts for suspicious activities, and providing detailed reports, SARs, and analytics to meet local and international regulatory requirements.

    • Implement a Risk-based Transaction Monitoring with FOCAL

    Streamline your transaction monitoring based on a dynamic customer risk for more efficient AML controls.

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