What Facctum does

Facctum (legal entity Facctum Solutions Limited) is a London-headquartered RegTech company founded in 2021 that builds an AI-powered, cloud-native compliance screening platform for anti-money laundering (AML), sanctions, and financial crime compliance. The platform unifies watchlist management, customer screening (FacctView), payment screening (FacctGuard), transaction monitoring, alert adjudication, and Know Your Business (KYB) into a single workflow, ingesting data from third-party intelligence providers (Dow Jones, Moody's, LexisNexis, Refinitiv, LSEG World-Check On Demand) and processing over 5 million watchlist records per client environment with sub-80ms screening latency and 5-minute ingestion windows from regulatory publication to screenable profile.

The technology stack combines fuzzy matching (edit distance, phonetic, token-based, context-aware), graph-based entity resolution, NLP-driven extraction of unstructured regulatory text, and AI auto-tuning of screening thresholds that learn from prior adjudications. The platform is deployed across AWS, Microsoft Azure, and Google Cloud in 30+ regions for data sovereignty, and holds ISO/IEC 27001:2022, ISO 27017, ISO 27018, SOC 2 Type II, GDPR/UK GDPR, and EU DORA certifications. FacctList is the on-demand screening dashboard fronting the underlying engine.

Facctum sells primarily through direct enterprise sales with 'Request a Demo' CTAs and multi-stakeholder deals involving compliance, technology, and procurement, supplemented by a channel partner program with data intelligence providers, hyperscalers, and knowledge partners. Target customers are banks, financial institutions, fintechs, neobanks, and payment service providers, with newer expansion into insurance/wealth management, e-commerce, digital platforms, crypto exchanges, and capital markets. The company is led by Founder & CEO KK Gupta (36 years at Barclays Bank and Citigroup) alongside a full CXO bench, has 100+ employees across five global locations, and operates as an independent, privately held company with no disclosed external funding rounds.

Name

Facctum

Legal name

Facctum Solutions Limited

Website

https://facctum.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Facctum is a London-based RegTech firm, founded in 2021, that sells an AI-powered, cloud-native AML and sanctions screening platform to banks, fintechs, neobanks, and payment service providers, unifying watchlist management, customer screening, payment screening, and alert adjudication with sub-80ms latency.

Ownership category

akta.pro rank

Product category

AML and Sanctions Compliance Software

NAICS

Investigation and Personal Background Check Services (561611), Activities Related to Credit Intermediation (5223)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Sanctions, PEP & Watchlist Screening (name matching, adverse media) (FSAGAFAD)

akta.pro secondary industries

AML/CTF Transaction Monitoring & Case Management (FSAGAFAC), Sanctions/PEP/Adverse Media Screening for Payment Risk (FSAMALAJ), IT Governance, Risk & Compliance (IT GRC) Platforms (HDAEALAK)

Keywords

• Sanctions screening
• AML compliance
• Watchlist management
• Payment screening
• Customer screening

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations

Revenue model

1. SaaS Platform Subscription: Cloud-native compliance screening platform delivered as a subscription service. Clients manage over 5 million watchlist records on the platform. The platform supports multiple deployment options with data sovereignty across 30+ regions worldwide.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Facctum provides an AI-powered, cloud-native AML and sanctions screening platform for financial institutions. The platform unifies watchlist management, customer screening, payment screening, alert adjudication, and transaction monitoring in a single workflow, delivering real-time screening results in under 80 milliseconds and updating sanctions data within 5 minutes. It is offered as a SaaS subscription targeting banks, fintechs, neobanks, and payment service providers globally.

Product overview

Facctum offers a unified AI-powered screening platform for AML, sanctions, and financial crime compliance. The Facctum Screening Platform integrates multiple modules including FacctList (AML screening dashboard), FacctView (customer screening/KYC), FacctGuard (transaction monitoring), Watchlist Management, Customer Screening, Payment Screening, Alert Adjudication, Transaction Monitoring, and Know Your Business (KYB). The platform is cloud-native, processes over 5 million watchlist records, delivers screening results in under 80 milliseconds, and updates sanctions data within 5 minutes. The architecture combines real-time screening engines, automated watchlist updates, configurable screening profiles, and integrated adjudication workflows to provide enterprise-scale compliance operations with 99.9% uptime.

Differentiator

Problem solved

Functional benefit

Brands

• FacctList: On-demand screening platform providing real-time risk intelligence for sanctions, PEPs, adverse media, and enforcement actions screening.
• FacctGuard
• FacctView
• FacctBot

Products and services

• FacctList
• FacctView Customer screening platform for KYC and ongoing due diligence. Provides real-time screening for customer onboarding and continuous monitoring throughout the customer lifecycle, enabling instant verification against sanctions lists and risk databases for banks, fintechs, and PSPs.
• FacctGuard Transaction monitoring and payment screening solution enabling real-time detection of suspicious activity for AML and financial compliance. Screens payment transactions instantly to prevent sanctioned entities from accessing financial systems, with support for SWIFT, SEPA Instant, and ISO 20022 payment messages.
• Watchlist Management Simplifies ingestion, reconciliation, and enrichment of millions of data profiles from diverse sources. Unifies fragmented data streams into a powerful dataset optimized for accuracy, compliance, and seamless integration into screening workflows. Supports centralized watchlist control and structured distribution.
• Customer Screening End-to-end customer screening for onboarding and ongoing monitoring. Compares customer data against sanctions lists, PEP databases, and adverse media with configurable screening profiles and thresholds for accurate risk assessment.
• Payment Screening Real-time screening of payment transactions against sanctions and watchlists. Supports SWIFT, SEPA Instant, and ISO 20022 payment messages with sub-80ms screening speeds to ensure compliance without disrupting payment workflows.
• Alert Adjudication Structured investigation workflows for reviewing and resolving screening alerts. Provides probability scoring, AI-assisted investigation filters, and audit trails to help investigators prioritize high-risk cases and maintain consistent decision documentation.
• Transaction Monitoring Continuous monitoring of transaction patterns to detect suspicious activity and maintain compliance with AML regulations. Supports real-time analytics and integrates with screening workflows for comprehensive financial crime detection.
• Know Your Business (KYB) Business verification and due diligence solution for assessing corporate customers, beneficial ownership, and entity relationships to support AML compliance requirements.
• Facctum Screening Platform AI-powered end-to-end compliance platform integrating watchlist management, customer screening, payment screening, alert adjudication, and transaction monitoring into a unified cloud-native architecture. Processes millions of records per second with real-time screening capabilities and automated compliance workflows.

Quantifiable outcome

• Real-time screening results delivered in under 80 milliseconds
• +4 more outcomes

Named customers4 records

Segments8 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability7 records

Feature9 records

Partnerships

Eight partnerships are on record, tiered core.

• LSEG (London Stock Exchange Group)coreStrategic or Co-development Partner · 12 November 2025LSEG and Facctum partnered to deliver World-Check On Demand risk intelligence solution through Facctum's FacctList platform. The solution provides real-time access to financial crime data including sanctions, PEPs, adverse media, and enforcement actions. Integration through APIs enables instant, continuously updated data for financial institutions' compliance workflows.
• Dow JonescoreTechnology or IntegrationData Intelligence Partner collaborating with Facctum to shape the future of compliance through smarter, data-driven screening solutions.
• Moody's (穆迪)coreTechnology or IntegrationData Intelligence Partner providing risk data and analytics capabilities integrated into Facctum's compliance screening platform.
• LexisNexis Risk Management SolutionscoreTechnology or IntegrationData Intelligence Partner contributing knowledge and data intelligence to power Facctum's screening solutions.
• RefinitivcoreTechnology or IntegrationData Intelligence Partner providing financial and risk data integrated into Facctum's watchlist management and screening workflows.
• AWS (Amazon Web Services)coreTechnology or IntegrationAdvanced Technology Partner providing cloud infrastructure enabling Facctum's cloud-native platform with global data sovereignty across 30+ regions.
• Microsoft AzurecoreTechnology or IntegrationAdvanced Technology Partner providing cloud platform capabilities for Facctum's scalable screening infrastructure.
• Google CloudcoreTechnology or IntegrationAdvanced Technology Partner contributing cloud infrastructure capabilities to Facctum's multi-region deployment options.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Featurespace: AI-native fraud and AML transaction monitoring vendor serving banks and payments providers. Comparable on AI/ML-led financial crime detection and on serving PSPs and challenger banks, though Featurespace's core differentiator is behavioral analytics rather than the watchlist/sanctions screening focus of Facctum.
• ThetaRay: AI-based transaction monitoring and sanctions screening platform for banks and payment providers, with particular strength in cross-border payments and correspondent banking. Comparable on AI/AML positioning and emerging-market payments focus, but differs in emphasis on transaction monitoring over sanctions screening.

Broad incumbents

• NICE Actimize: Largest enterprise AML and financial crime compliance vendor, serving global Tier 1 banks with sanctions screening, transaction monitoring, and case management. Directly competes with Facctum across the same buyer (compliance officers at large FIs) and same core workflow (sanctions/PEP screening), but as a broad portfolio incumbent rather than an AI-native specialist.
• Dow Jones Risk & Compliance: Major sanctions/PEP data provider and risk-and-compliance workflow vendor serving global banks. Listed as a Facctum data partner, Dow Jones also offers end-to-end screening products that overlap with Facctum's, creating the same partner-competitor tension as with LSEG.
• Oracle Financial Crime and Compliance: Enterprise AML, KYC, and sanctions screening suite embedded in Oracle's broader financial services platform, widely deployed at large global banks. Competes with Facctum at the same enterprise buyers but as part of a much broader incumbent suite with deep existing integration.
• LSEG (World-Check / Risk Intelligence): World-Check is the dominant sanctions/PEP/adverse media data feed, and LSEG has been expanding into workflow and screening layers. Facctum both partners with LSEG (announced Nov 2025 for World-Check On Demand integration) and competes with its risk-intelligence workflow ambitions — making LSEG both a key ally and a structural competitor.
• SAS Anti-Money Laundering: Established enterprise AML and sanctions compliance platform widely deployed at large global banks. Overlaps directly with Facctum on sanctions screening and transaction monitoring but offers a much broader analytical suite within a long-tenured incumbent vendor.

Direct peers

• Silent Eight: AI-driven name and transaction screening platform for sanctions, PEP, and adverse media, serving global banks and fintechs. Closely comparable on the AI-powered screening workflow (FacctList vs. Silent Eight's screening engine) and target customer base (Tier 1/2 banks, fintechs).
• ComplyAdvantage: AI-native AML and sanctions screening platform targeting banks, fintechs, and payment providers with proprietary data and real-time screening. Closest direct competitor to Facctum by product scope (sanctions/PEP/adverse media screening, transaction monitoring) and target segments (banks, fintechs, neobanks, PSPs).
• Napier AI: UK-headquartered AML compliance platform offering transaction monitoring, customer screening, and sanctions screening via an AI-enhanced platform. Directly comparable on geography (London), customer base (banks, fintechs, PSPs), and product (real-time AML/sanctions screening with AI/ML).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/facctum

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Facctum