ACTICO Customer Screening

Compliance professionals need to make critical decisions: Is a hit resulting from the matching of customer data with sanctions, PEP, or adverse media lists a genuine risk — or just a false positive? 

What compliance teams need is software that works quickly, precisely, and with the right level of caution: not too strict, to avoid unnecessary disruptions, and not too lenient, to ensure the organisation remains on solid legal ground. 

ACTICO Customer Screening strikes that balance. It helps institutions meet regulatory due diligence obligations reliably, while also enabling them to work efficiently and cost-effectively. 

In most cases, false positives can be significantly reduced once the screening logic is tailored to the specific risk profile and operational needs of the bank or insurance company. This is achieved, for example, by using pre-filters that exclude irrelevant entries from the screening lists right from the start. It is also helpful to reflect the institution’s individual risk classification, allowing the system to apply different thresholds or rules depending on the defined risk level. 

ACTICO Customer Screening supports both ongoing monitoring—for regular reviews of the customer base—and event-driven screening, such as during onboarding processes. 

The software checks for name similarities, aliases, alternate spellings, dates of birth, and country information (such as nationality or country of residence). When potential matches are found, they are flagged as hits. These hits are then reviewed and documented in a dedicated case management system. 

An intelligent whitelisting function ensures that already reviewed cases are not repeatedly flagged—unless relevant changes occur either in the customer data or in the screening lists. 

ACTICO Customer Screening offers a screening simulation feature that provides statistical insights to help fine-tune the configuration — without affecting productive data. Once optimised, the final configuration can be transferred to the live system. 

In addition, the solution leverages machine learning to automatically close identified false positives and avoid time-consuming manual reviews. 

Fuzzy matching refers to approximate or non-exact matching — meaning that hits can still be found even when names are spelled incorrectly or differently.  

ACTICO Customer Screening uses highly precise fuzzy matching to ensure that all relevant information is considered for every customer, at any time. The software connects to all relevant systems and databases — such as onboarding platforms or core banking systems — to maintain full visibility across the customer base.  

It also stays up to date automatically by regularly importing the latest versions of sanctions lists, PEP lists, and adverse media data. This ensures that all screenings are performed using the most current information.  

And because ACTICO’s software is context-aware, it can detect attempts to bypass screening — such as by using alternative spellings or aliases. Even when fraudsters try to trick the system, ACTICO Customer Screening is ready.