Ongoing Risk Scoring and Alerts

Risk Scoring that Evolves with Customer Behavior

FOCAL continuously evaluates customer risk across KYC data, behavioral patterns, product use, and geography, providing accurate risk profile at every stage of the customer lifecycle.

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Challenges

Challenges We Solve

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Customer risk ratings not evolving with changing customer behavior
Static risk scoring models fail to capture subsequent changes in customer behavior, beneficial ownership, or transactional activity, leaving institutions exposed to undetected high-risk relationships.
Delayed detection of risk changes undermines compliance
Without automated, event-driven re-scoring tied to KYC data updates, transactional behavior, and adverse media, material shifts in customer risk can go unnoticed, leading to regulatory breaches.
Operational strain in maintaining ongoing due diligence
CDD/ODD processes are often fragmented across systems, with limited automation. Investigators rely heavily on manual reviews and periodic refresh cycles, creating inefficiencies and blind spots.
How FOCAL facilitates this use case

Real-time risk monitoring with instant, actionable alerts

FOCAL gives your team the power to spot risk changes the moment they happen, so you can act faster, stay compliant, and stay ahead of threats.

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Depicting AI-native platform

Ingest customer data updates

  • Instantly detect changes in KYC, CDD, transactions, sanctions, PEPs, adverse media and other risk data.
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  • Automatic enrichment of customer profile to ensure it always reflect the latest information.
Depicting AI-native platform

Recalculate risk scores in real time

  • Apply dynamic models on updated data and recalculate customer risk score in real-time.
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  • Ensure scores reflect both institution-specific risk appetite and regulatory thresholds.
Depicting AI-native platform

Trigger Risk-Based Alerts

  • Generate alerts only when defined thresholds are crossed, reducing noise.
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  • Route alerts directly into case management for efficient investigator action.
Benefits

Elevate compliance and control with continuous risk visibility

Accurate, Up-to-Date Risk Profiles
Automatically update customer risk scores in real time as KYC, transactional, or behavioral data changes, ensuring every decision is based on the most current customer risk profile.
Enhanced Operational Efficiency with Risk-Based Alerts
By only triggering alerts when defined thresholds are crossed, FOCAL reduces noise and false positives, allowing investigators to focus on material risks that truly require attention.

Improved regulatory compliance
Continuous customer due diligence with real-time risk scoring ensures institutions always stay ahead of ongoing monitoring obligations under AML regulations with a risk-based compliance framework.
Advantages

Why Businesses Choose FOCAL

Designed to meet the highest regulatory standards.

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Keep customer risk scores accurate and current with continuous monitoring.
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Early detection of changes in customer risk profile with real-time monitoring.
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Enable compliance team to manage growing customer volumes without increasing headcount with built-in automations.

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Complete regulatory compliance with continuous risk scoring.
Industries

Industries We Protect

Designed to meet the highest regulatory standards.

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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 often is the risk score updated?

    FOCAL updates scores continuously as new data becomes available, or risk factors evolve.

  • What kind of risk changes trigger alerts?

    Alerts are triggered by significant changes in customer behavior, location, structure, or external risk exposure.

  • Can scores be pushed into my case management tool?

    Yes. FOCAL integrates with your existing workflows and tools, pushing updated scores directly to relevant cases.

    • Get accurate customer risk profile at all times

    Continuously evaluate and update customer risk profiles, detecting shifts in risk levels instantly, enabling your compliance team to respond quickly.

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