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Enabling Real-Time Payments with Embedded AML Compliance
A systemically important European bank implemented real-time AML screening to launch instant payments securely, ensuring regulatory compliance while delivering faster, resilient transaction processing at scale.
Client
- Client
Challenge- Solution
- Impact
Client
The client is a large, systemically important bank operating in Southern Europe. Serving millions of retail and corporate customers, the bank plays a critical role in national and cross-border payments. With a strong regulatory mandate and increasing customer expectations for instant transactions, the bank needed to modernize its payments and compliance capabilities while ensuring operational resilience and regulatory confidence.
Challenge
The bank was preparing to launch instant payments as part of a regulatory-driven market shift toward real-time money movement. While this promised faster customer transactions and improved competitiveness, it exposed a significant gap in the bank’s existing technology landscape. The legacy anti–money laundering (AML) screening platform was designed for batch-based processing and was not capable of handling real-time transaction screening.
Without real-time AML controls, the bank faced heightened regulatory risk, potential transaction delays, and reputational exposure. Any compromise on compliance could lead to financial penalties, customer distrust, and operational disruption. At the same time, the bank was working against a fixed regulatory deadline for instant payments go-live, leaving no room for delays or system instability.
Without real-time AML controls, the bank faced heightened regulatory risk, potential transaction delays, and reputational exposure. Any compromise on compliance could lead to financial penalties, customer distrust, and operational disruption. At the same time, the bank was working against a fixed regulatory deadline for instant payments go-live, leaving no room for delays or system instability.
Solution
The bank partnered with BCT to design and implement a real-time payments and compliance solution that aligned regulatory requirements with business agility. Using Temenos technology, BCT enabled real-time transaction screening and seamlessly integrated it with the bank’s existing AML platform.
The solution was delivered through a process-led approach, beginning with detailed business and technology workshops to define requirements and operating models. BCT worked closely with the bank to design an architecture that allowed real-time AML checks without disrupting existing compliance processes. The implementation was executed in parallel with the instant payments upgrade, ensuring both initiatives progressed without dependency risk.
Key elements of the solution included real-time screening integration, alignment with regulatory payment systems, and robust testing to ensure performance, accuracy, and resilience at scale.
The solution was delivered through a process-led approach, beginning with detailed business and technology workshops to define requirements and operating models. BCT worked closely with the bank to design an architecture that allowed real-time AML checks without disrupting existing compliance processes. The implementation was executed in parallel with the instant payments upgrade, ensuring both initiatives progressed without dependency risk.
Key elements of the solution included real-time screening integration, alignment with regulatory payment systems, and robust testing to ensure performance, accuracy, and resilience at scale.
Impact
The implementation enabled the bank to launch instant payments with full regulatory confidence, transforming a compliance challenge into a strategic advantage. By embedding real-time AML screening into the payments flow, the bank ensured that speed did not come at the cost of risk control.
From a business perspective, the solution reduced regulatory exposure, protected the bank’s reputation, and strengthened trust with customers and regulators alike. The bank gained the ability to process high volumes of instant transactions securely, supporting customer experience improvements and future digital growth.
The scalable technology foundation also positioned the bank for ongoing innovation, enabling faster adoption of new payment services, open banking initiatives, and future regulatory changes—delivering long-term value well beyond the initial compliance mandate.
From a business perspective, the solution reduced regulatory exposure, protected the bank’s reputation, and strengthened trust with customers and regulators alike. The bank gained the ability to process high volumes of instant transactions securely, supporting customer experience improvements and future digital growth.
The scalable technology foundation also positioned the bank for ongoing innovation, enabling faster adoption of new payment services, open banking initiatives, and future regulatory changes—delivering long-term value well beyond the initial compliance mandate.
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