Real Time Transaction Monitoring

High-Risk Transactions in Real-Time

Detect and block suspicious transactions instantly with FOCAL’s ML-powered real-time monitoring. Ensure compliance and full risk coverage, even at peak transaction volumes.

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Challenges

Challenges We Solve

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Stringent monitoring requirements for high-risk cases.
Regulators increasingly demand extensive monitoring of sanctioned entities, terrorism‑financing flags, and large‑value transfers, to comply with evolving AML/CTF regulations.
High Transaction Volumes Overwhelm Legacy Systems.
Surging real-time transaction volumes tend to cripple legacy batch-only systems, causing missed alerts, backlogs, and heightened risk exposure.
High Stakes of Missed Alerts.
A single failure to catch a suspicious transfer can lead to multi-million-dollar fines, sanctions exposure, and reputational damage.
How FOCAL facilitates this use case

Empower Compliance Teams with Real-Time Intelligence

FOCAL’s real-time transaction monitoring enables you to detect and act on AML risks instantly, leveraging dynamic rules and machine learning models.

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Tailored Rules for High-Risk Transactions

Build custom rules to flag high-value transfers, sanctioned entities, or unusual patterns, ensuring immediate action against money laundering.

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Customize and Tune Rules Instantly

  • Use FOCAL’s powerful no-code rule builder to adjust thresholds or add new conditions to the rules.
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  • With the built-in rule simulator, you can evaluate rule performance, fine-tune thresholds, and minimize false positives before going live.
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Real-time Detection of Suspicious Transactions

  • Leverage tailored rules and ML-powered screening capabilities of FOCAL to analyze every transaction in real time.
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  • Instantly flag suspicious activities involving sanctioned entities, high-risk jurisdictions, or other risk indicators.
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Real-time Decision Making

  • Instantly block transactions linked to sanctioned entities or high-risk profiles.
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  • Alternatively, hold transactions for manual review, escalating to Level 2 investigations when necessary.
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Investigation and Reporting

  • When suspicious activity is detected, FOCAL generates an alert which flows automatically into the centralized case manager, where a case is created.
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  • FOCAL’s built-in Agentic AI streamlines investigations by providing customer activity summaries, detailed case context, and recommended actions. The Agentic AI’s analysis comes with complete explain ability providing transparency in decision making.
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  • Based on this analysis, the Agentic AI provides case disposition recommendations. Low risk or duplicate cases can be auto disposed. Medium or high-risk cases can be flagged for continued monitoring or customer blocking. The Agentic AI can also auto‑generate an SAR report for regulatory reporting.
Benefits

Safeguard Transaction with AI-Powered Real-Time Monitoring

Detect Suspicious Activity Instantly
Identify and prevent laundering attempts in real time, with dynamic rules and advanced AI screening, even at peak transaction volumes.
Ensure Regulatory Compliance
Prevent sanctions violations and jurisdictional risks by acting instantly on PEPs, watchlists, or high-risk scenarios.
Handle Peak Loads with Precision
Process millions of transactions in real time with high accuracy and availability with FOCAL’s scalable architecture.
Advantages

Why Businesses Choose FOCAL Transaction Monitoring?

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

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Experts in Financial Crime Compliance in KSA and the MENA Region.
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Industry-leading next-gen technology to futureproof your compliance operations.
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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.
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Agentic AI that transforms your compliance by identifying risks, automating investigations, and streamlining regulatory reporting. 

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Extensive Professional Services, act as an extension of your team, handling setup, rule optimization and custom enhancements. 
Industries

Industries We Protect

Our solutions are tailored to address 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

  • What kind of support does FOCAL provide for implementing real-time transaction monitoring?

    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.

    • Stop Financial Crimes as They Occur

    Enhance security and compliance with real-time monitoring of suspicious activities.

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