ClickCease
case study
Banking

UK DIGITAL BANK ACCELERATES TRANSACTION SCREENING BY MOVING FROM BUILD TO BUY

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Summary

A leading UK digital bank, known for its ethical and customer centric approach to banking, identified the need to modernise its transaction screening capabilities to keep pace with rapid growth and evolving regulatory expectations. Under significant time pressure, the bank partnered with Napier AI to replace a self-built transaction screening system with a scalable, real-time solution. The new platform was deployed in just six weeks, enabling the bank to strengthen financial crime controls while maintaining a frictionless customer experience.

Challenge

A recently granted banking license, rapid growth and increasing transaction volumes exposed limitations in the bank’s self-built transaction screening process. Regulatory scrutiny and heightened expectations around anti-money laundering controls created urgency to address these gaps quickly and decisively.

The organisation needed a robust transaction screening solution that could be implemented at speed, scale with future growth, and reduce false positives – without increasing operational complexity or compromising customer experience.

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Solution

Napier AI delivered a cloud native, real-time transaction screening solution designed to handle high transaction volumes while improving accuracy and efficiency. The platform was deployed as a managed service and integrated directly with the bank’s core systems via API.

The solution enabled real-time screening against sanctions lists, supported by advanced matching technology to reduce unnecessary alerts. A configurable, no code sandbox environment allowed compliance teams to fine tune rules safely and continuously, ensuring the system could evolve alongside regulatory requirements and business growth.

Despite the tight timeline, the solution was successfully implemented and live within six weeks, delivering immediate compliance and risk mitigation benefits.

Results

✓ Go-live in 6 weeks
The bank achieved full go-live within six weeks, significantly reducing regulatory risk and demonstrating swift remediation under regulatory scrutiny.
✓ Improved financial crime controls
All transactions are now screened in real-time, strengthening detection of suspicious activity and improving overall compliance effectiveness.
✓ Operational efficiency
Enhanced matching accuracy and configurable rules reduced false positives, allowing compliance teams to focus on higher-risk activity without increasing headcount.
✓ Scalable foundation for growth
The solution provides a future-proof platform capable of supporting increased transaction volumes, new products, and potential expansion into additional services.