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Financial Crime Mitigation

A single product family for fast compliance, protection and time to value.

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Comprehensive financial crime mitigation solutions for AML, fraud detection, and compliance

Temenos’ award-winning Financial Crime Mitigation product family enables banks and financial institutions to avoid regulatory fines, detect fraud and mitigate reputational risks whilst improving throughput and optimizing costs in line with your risk-based approach.

Industry leading levels of detection accuracy and false positives

Industry leading false positive levels are achieved via sophisticated algorithms, smart contextual whitelists and robotic process automation, designed to dramatically reduce overheads and costs. Banks report double their hit evaluation efficiency (a 250% increase while head count is up only 30%). Efficiency is further enhanced through a proven combination of algorithms, rules and AI.

Outstanding performance and resilience

Vertical and horizontal scalability or SaaS-based scaling ensures Temenos FCM delivers a strong performance together with high availability, whether on-premise, cloud or SaaS. Trusted for its speed and resilience, the solution handles high transaction volumes and throughput and is relied upon by small financial institutions and large banks alike.

Proven behavioral analytics, algorithms and AI combination

Based on key metrics such as income, spending patterns, and transaction types, a unique financial fingerprint or “DNA” is created for each customer. Combined with pre-built typologies and self-learning algorithms, it enables financial institutions to distinguish between usual and unusual behavior.

Enterprise-wide solution

For all financial crime mitigation needs spanning watchlist screening, KYC, AML and fraud prevention, Temenos FCM provides a complete solution. Using a risk-based approach, it monitors transactions for continual risk assessment, enabling you to allocate your resources more effectively and focus efforts where they are needed most.

Flexible and configurable

FCM is a flexible and configurable solution designed for institutions of all sizes. It can be deployed on-premise, in the cloud, or as SaaS, minimizing implantation effort while maximizing efficiency. With highly configurable business rules, it supports region-specific requirements and integrates easily with any core banking system.

Easy to deploy, supporting gradual adoption and migration

Based on pre-built models that can be tailored to each bank or financial institution’s risk-based approach, FCM enables rapid implementation with minimal disruption, as well as the option to install only those components needed. The phased implementation also allows gradual adoption and migration at any level. Additional specialist advisory services are available through Temenos Professional Services, offering guidance on risk-based approaches to AML, sanctions and KYC best practices.

Enhanced user productivity with workflow management

Configurable workflow management designed to reduce the total cost of ownership by providing highly efficient processes for case management, alert management, and report builder. This fully flexible solution meets the operational demands of any financial institution.

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Temenos FCM AI Agent

Agentic AI helps to simplify complex processes by performing automated tasks without human intervention. Our first pre-integrated product is Temenos FCM AI Agent, a proven AI-enhanced compliance engine, enabling you to significantly reduce false positives when screening against global and domestic watchlists in real time. The screening alerts are automatically evaluated using sophisticated algorithms that mimic human operators, improving accuracy and efficiency.

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Advanced solutions for financial crime detection and compliance

Explore how Temenos FCM can help you efficiently combat financial crime, ensuring faster onboarding and fewer false positives while enhancing operational productivity.

Key features of Financial Crime Mitigation

Temenos FCM leverages advanced algorithms and automation to detect, prevent, and manage fraudulent activities in real time. With comprehensive tools for anti-money laundering, watchlist screening, and enhanced customer due diligence, we help financial institutions minimize risks and support compliance.

Suspicious activity detection

Algorithms and peer comparisons detect and block fraudulent transactions in real time.

Anti-money laundering

Offering customer monitoring, real-time detection, and peer-based risk comparison.

Watchlist screening

Advanced algorithms and automation to reduce false positives and screening costs.

Know your customer plus

Standardize risk calculations and enhance KYC with customizable, dynamic, and advanced assessments.

Real results

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We can now offer a full digital spectrum of order execution, and discretionary asset management advisory services, completely through the platform, with compliance checks built-in. Transactions that were previously being done manually, or semi-manually, are now automated and can be performed by our clients and relationship managers. That has created a strong competitive advantage for the bank.

Spyros Loizou
Group Head of International IT, Eurobank Cyprus

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Itau’s international Private Bank selected a technology platform that will enrich the customer experience, reduce time to market for new products, generate efficiencies and reinforce the segments’ digital strategy.

Carlos Constantini
Chief Executive Officer of U.S. and Head of International Private Banking, Banco Itau

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As the implementation timeframe was so short, Temenos’ packaged software... was vital to our plan.

Said Adren
General Manager, BMCE Bank of Africa

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