Suspicious Transaction Monitoring

Detect AML Risks with Precision

Uncover suspicious activities early with an AML platform that leverages dynamic rules with advanced ML models for unmatched accuracy.

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Challenges

Challenges We Solve

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Sophisticated money laundering techniques
Conventional systems struggle to detect complex, multi‑stage laundering schemes, such as coordinated cross‑channel layering and mule networks, which split and route funds to evade static thresholds and siloed rule sets.
Staying Ahead of Evolving Regulations
AML/CTF regulations across the MENA region and globally are evolving rapidly with frequent new requirements and guidelines. Manual rule updates and static systems can’t keep pace, leading to compliance gaps.
High volume and low-quality alerts
Compliance teams are often overwhelmed by a flood of false positives. Traditional systems lack the precision to distinguish genuinely suspicious activity from normal customer behavior, driving up costs, slowing investigation and increasing risk.
How FOCAL facilitates this use case

Accurate and Efficient Transaction Monitoring with FOCAL

Powered by AI anomaly detection, behavioral risk modeling, and powerful rules engine, FOCAL detects suspicious activities with precision.

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Depicting AI-native platform

Activate Pre-configured Rules Library

Activate FOCAL’s pre-configured rule library, mapped to local AML/CFT standards, to ensure compliance from Day 1.

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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.
Depicting AI-native platform

Detect anomalies and suspicious transactions

  • Leverage advanced behavior risk models and ML-based anomaly detection to analyze transactions.
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  • Instantly flag suspicious patterns, from large dormant account activity to high-risk jurisdiction transfers or structuring.
Depicting AI-native platform

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 explainability 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.
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  • The Agentic AI can also auto‑generate an SAR report for regulatory reporting.
Benefits

AI-Powered Transaction Monitoring for Complete Risk Coverage

Proactive Financial Crime Detection
Detect complex money laundering techniques with precision using advanced AI/ML anomaly detection and behavioral risk models.
False Positives Reduction
Minimize noise and enable your compliance team to focus on material risk through a combination of supervised learning, anomaly detection, and behavioral risk models.
Improved Operational Efficiency
Streamline your compliance processes with built-in workflow automations and process alerts without requiring additional resources.
Comprehensive AML Compliance
Leverage a built-in rules library aligned with regional and global AML standards, ensuring compliance from day one.
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

  • 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.

  • Does FOCAL use AI agents to support AML investigations?

    FOCAL features an integrated Agentic AI that automates alert triaging, disposition, and auto closures. The Agentic AI can auto-generate Suspicious Activity Reports (SARs), making investigations faster, more consistent, and less manual.

  • 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.

  • What kind of support and training does FOCAL provide for implementation?

    FOCAL offers comprehensive support and training, including pre- and post-deployment assistance, system audits, and ongoing training programs to ensure smooth implementation through a service called Professional Services for AML Compliance.

  • 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.

    • Ensure End-to-End AML Compliance with FOCAL

    Stay ahead of evolving regulations with advanced ML models and next-gen technology.

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