at Financial Technnology Year
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ACI Smart Payments from ACI Worldwide
Includes integrated payment processing with real-time monitoring for transaction anomalies, enhancing compliance and sanction screening capabilities across various payment channels.
Product analysis by function
Sanctions Screening Software for Treasury Compliance
Applications that check payment beneficiaries and financial counterparties against global sanctions lists to ensure compliance with international regulations.
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Sanctions List Coverage
(6 Yes /6 Known /10 Possible features)
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Global List Support Supports major international sanctions lists like OFAC, EU, UN, HMT, and others. |
Marketing and product documentation indicate support for screening against OFAC, EU, UN, HMT and other global lists. | |
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Custom List Upload Allows organizations to upload and screen against their own internal or third-party lists. |
ACI Smart Payments documentation references capability to upload and screen custom or internal watchlists. | |
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List Update Frequency Frequency at which sanctions lists are refreshed and updated. |
No information available | |
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Watchlist Expansion Ability to expand coverage to PEP, adverse media, and other watchlists. |
Product supports PEP, adverse media, and expanded watchlists, according to official datasheet. | |
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Historical List Archiving Retains and allows screening against historical versions of sanction lists. |
No information available | |
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Automated List Synchronization Automatically pulls updates from official sources without manual intervention. |
Reference to automated updates from official sources; sync is a key feature in product documentation. | |
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List Version Tracking Ability to track and report the version of lists used for each screening. |
No information available | |
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Geographical Coverage Number of countries’ sanctions lists supported. |
No information available | |
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Language Support for Lists Supports lists in multiple languages for global compliance. |
ACI supports multiple languages to enable global compliance requirements, per documentation. | |
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API-Accessible Watchlist Management APIs available for automated management and querying of watchlists. |
API documentation references endpoints for watchlist management. |
Screening Capabilities
(8 Yes /8 Known /10 Possible features)
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Real-Time Screening Screens payments and counterparties instantly as transactions occur. |
Notes specify real-time screening of payments and counterparties. | |
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Batch Screening Supports bulk screening of large numbers of transactions or counterparties. |
The product supports both real-time and batch processing, suitable for treasury environments. | |
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Name Matching Algorithm Quality Uses fuzzy logic, phonetic matching, and other methods to minimize false negatives/positives. |
Mentions use of fuzzy, phonetics-based matching for minimizing false positives/negatives. | |
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Screening Speed The average time taken to screen a transaction or party. |
No information available | |
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Unicode and Diacritic Support Handles names with various alphabets and non-Latin characters. |
Indicated Unicode and non-Latin character support; required for international payments. | |
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Alias & AKAs Detection Identifies matches to aliases and also-known-as (AKA) entries. |
No information available | |
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Multi-Field Screening Screening uses multiple data fields (name, address, date of birth, account number, etc.). |
Screens against multiple fields (e.g. name, address, date of birth) is mentioned in product brochure. | |
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Tolerance Configuration Adjustable thresholds for matching sensitivity. |
Sensitivity thresholds are configurable, as described in rule-setting capabilities. | |
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Partial Match Detection Detects partial matches for name permutations. |
Partial and fuzzy match detection is highlighted to address complex name permutations. | |
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AI/ML-Driven Screening Incorporates artificial intelligence/machine learning to improve screening accuracy. |
Product leverages AI/ML for reducing false positives and improving match relevance. |
Integration & Connectivity
(7 Yes /7 Known /10 Possible features)
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API Integration Supports integration with ERP/TMS/other fintech systems through APIs. |
Integrates with APIs for ERPs, treasury management, and banking systems. | |
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Real-Time Data Sync Keeps entity/master data aligned with source systems in real time. |
Syncs master/entity data in real time with payment sources, per technical overview. | |
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File-Based Integration Supports secure file exchange (e.g., SFTP) for batch processes. |
Supports secure file exchange (SFTP, etc) for bulk or batch screening. | |
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Plug-ins for Treasury Management Systems Direct connectors for commonly used TMS solutions. |
No information available | |
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Event-Driven Triggers Supports screening initiated by workflow/business events. |
No information available | |
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Cloud Deployment Option Available as SaaS/cloud solution for remote/global access. |
Product available as a cloud (SaaS) solution; emphasized in ACI’s product strategy. | |
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On-Premises Deployment Option Available for on-site hosting to support data sovereignty or policy preferences. |
On-premise deployment possible, to accommodate customers with data sovereignty needs. | |
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Support for Webhooks Can send notifications or data pushes on screening events. |
No information available | |
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Enterprise SSO Support Allows single sign-on authentication with corporate credentials. |
Enterprise SSO and identity management integration is a common requirement met. | |
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Mobile Access Allows users to manage and review matches from mobile devices. |
Solution's mobile access via browser and/or dedicated app is referenced in ACI’s feature set. |
Compliance Management & Workflow
(5 Yes /5 Known /10 Possible features)
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Case Management Comprehensive management of hits, investigations, and resolutions. |
Case management is a documented module for alerts and investigations. | |
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Alert Prioritization Automated risk scoring and prioritization of alerts. |
Automatic alert prioritization via risk scoring is described in product literature. | |
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Bulk Case Processing Approve, reject, or escalate multiple alerts at once. |
No information available | |
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Audit Trail Detailed records of all actions taken and user interactions. |
Comprehensive audit trails are part of compliance features. | |
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Evidence Attachment Attach supporting documents directly to screening cases. |
Supports attaching evidentiary documents to case files. | |
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Case Escalation Workflow Automated escalation rules for high-priority or unresolved cases. |
No information available | |
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Decision Justification Capture Ability to record the compliance officer’s reasoning for each action. |
No information available | |
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Task Assignment and Collaboration Assign cases and collaborate between team members. |
No information available | |
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Automated False Positive Suppression Identifies and suppresses recurring known false positives. |
Features to detect and suppress known false positives are mentioned in ACI’s compliance material. | |
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Workflow Customization Configurable workflows to match corporate policy or regulatory requirements. |
No information available |
Reporting & Analytics
(6 Yes /6 Known /10 Possible features)
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Regulatory Reports Built-in reports tailored for external regulatory submission. |
No information available | |
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Custom Report Builder Create custom analytical or operational reports. |
Users can create custom reports for insight and monitoring, per platform documentation. | |
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Hit Rate Statistics Monitors the proportion of screened entities or transactions generating alerts. |
Reports include hit rate and alert statistics; feature is standard for compliance dashboards. | |
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Alert Processing Times Tracks the time taken from alert creation to resolution. |
Reporting functionality includes time to process/resolve alerts. | |
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Export Functionality Export data and reports to Excel, PDF, CSV, etc. |
Exports to Excel, PDF, CSV available from reporting dashboard. | |
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Regulatory Change Impact Analytics Assesses potential impact of watchlist or regulation updates. |
No information available | |
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Audit Log Exports Downloadable logs for external/internal auditing. |
No information available | |
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KPI Dashboards Key compliance indicators visualized in dashboards. |
KPI dashboards displaying compliance and screening metrics indicated in marketing literature. | |
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User Activity Reporting Detailed tracking and reporting on user actions. |
Tracks and reports on user actions (auditing and compliance needs). | |
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Automated Scheduled Reports Ability to schedule and automatically distribute reports. |
No information available |
User Experience & Accessibility
(5 Yes /5 Known /10 Possible features)
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Intuitive User Interface Modern and user-friendly web interface. |
Described as having an intuitive, modern UI in product marketing materials. | |
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Multi-Language Support User interfaces available in multiple languages. |
UI is available in several major languages for a global user base. | |
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Role-Based Access Controls User permissions governed by roles and responsibilities. |
Supports role-based access controls with distinct permissions. | |
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Accessibility Standards Compliance Meets accessibility standards (e.g., WCAG). |
No information available | |
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Personalized Dashboards Customizable dashboards based on user or role. |
No information available | |
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Contextual Help and Support Tools On-screen help, tooltips, and tutorials. |
No information available | |
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Keyboard Shortcuts Efficiency features such as keyboard navigation. |
No information available | |
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User Preference Settings Save and recall user preferences for interface and workflows. |
No information available | |
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Mobile Responsiveness UI designed for usability on mobile and tablet devices. |
Design mentions suitability for desktop and mobile browser environments. | |
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Bulk Actions on UI Ability to process multiple alerts or cases from the user interface. |
Bulk action processing from the UI is supported for alert and case management. |
Security & Data Protection
(9 Yes /9 Known /10 Possible features)
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End-to-End Encryption Data is encrypted during transfer and at rest. |
End-to-end encryption (in transit and at rest) mentioned in technical security docs. | |
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Multi-Factor Authentication Strong authentication options for system access. |
Two-factor/multi-factor authentication support described in security features. | |
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Data Masking Sensitive fields can be masked from non-authorized users. |
Data masking of sensitive information is a built-in compliance capability. | |
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Granular Access Controls Fine-grained permissions to restrict data and function access. |
Fine-grained user permissions are available for different corporate roles. | |
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Audit Logging Records and retains all user activities for review and investigation. |
Comprehensive audit logging ensures compliance and traceability. | |
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GDPR/CCPA Compliance Support Helps organization comply with data protection regulations. |
Helps customers meet GDPR and CCPA by supporting data minimization and compliance reporting. | |
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Data Retention Policies Configurable settings to define retention and purging of data. |
Configurable data retention policies are available in admin settings. | |
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Vulnerability Management Regular security testing and patch management. |
Periodic vulnerability scanning and patch management referenced in security documentation. | |
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Secure APIs All integrations use secure, authenticated API protocols. |
Product's API specifications outline support for OAuth2 and other secure protocols. | |
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Incident Response Support Features to assist with detecting and managing security breaches. |
No information available |
Scalability & Performance
(5 Yes /5 Known /10 Possible features)
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Concurrent User Support Maximum number of users supported at the same time. |
No information available | |
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Transaction Processing Capacity Number of transactions that can be processed per hour. |
No information available | |
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Response Time SLA Service level agreement for maximum allowed response times. |
No information available | |
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Dynamic Resource Allocation System can auto-scale resources based on demand. |
Scalable infrastructure with elastic architecture manages load/demand. | |
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High Availability Architecture Designed for minimal downtime disruptions. |
High-availability and fault tolerance cited; minimal downtime is guaranteed. | |
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Load Balancing Distributes screening workloads across multiple servers/nodes. |
Load balancing is a standard architectural component. | |
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Geographically Redundant Hosting Options for hosting in multiple global data centers. |
ACI offers global, geographically redundant cloud hosting options. | |
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Disaster Recovery Capabilities Automated failover and data recovery features. |
Disaster recovery with automated failover outlined in solution’s technical paper. | |
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Elastic Licensing License model supports easy scaling up/down. |
No information available | |
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Zero Downtime Upgrades Software updates do not require service interruptions. |
No information available |
Regulatory Compliance & Audit
(2 Yes /2 Known /10 Possible features)
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Audit Readiness Built-in capabilities for supporting internal and external audits. |
Built-in audit support for compliance teams and external auditors described in feature overview. | |
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Regulatory Certification/Assurance Compliance with industry standards (e.g., ISO 27001, SOC 2). |
ACI is compliant with ISO 27001, SOC 2, and other certifications as detailed in compliance materials. | |
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Configurable Retention Policy Set, control, and audit retention of records as required. |
No information available | |
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Evidence Preservation Ensures all steps, investigations, and outcomes are preserved for audits. |
No information available | |
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Automated Compliance Checks Regular checks and diagnostics to ensure ongoing compliance. |
No information available | |
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Change Management Logging Documents and stores all system configuration changes. |
No information available | |
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Regulatory Change Notifications Proactive warnings on changes in regulatory watchlists or standards. |
No information available | |
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Support for Regulatory Inquiries Tools to facilitate responses to regulatory agency queries. |
No information available | |
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Legal Hold Functionality Ability to prevent data deletion due to impending investigations. |
No information available | |
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Policy & Procedure Documentation Storage Store and manage related compliance documentation. |
No information available |
Support, Maintenance & Vendor Services
(8 Yes /8 Known /10 Possible features)
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24/7 Technical Support Access to around-the-clock technical help. |
24/7 technical support and global service desks are featured in ACI support documentation. | |
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Dedicated Account Manager Named representative for customer relationship management. |
Dedicated account manager option available for enterprise contracts. | |
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User Training & Onboarding Systematic onboarding and periodic product training. |
Training/onboarding programs offered and documented on ACI's training portal. | |
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Comprehensive Documentation User guides, technical specs, FAQs, and release notes. |
Comprehensive documentation, guides, and FAQs are available for customers. | |
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Regular Feature Updates Frequent enhancement and patch cycles. |
Frequent updates and improvements noted in release notes and customer communications. | |
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Community/User Forum Online community and peer support. |
No information available | |
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Implementation Support Assistance with software deployment and integration. |
Implementation support and project management offerings are part of onboarding services. | |
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Custom Feature Requests Process for requesting bespoke enhancements. |
No information available | |
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Multilingual Support Support offered in multiple languages. |
Support and onboarding available in multiple languages per global service model. | |
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Service Level Agreements (SLAs) Clear commitments for service performance and bug fixes. |
SLAs including performance, uptime, and response time are a standard aspect of ACI contracts. |
Cost & Licensing Flexibility
(8 Yes /8 Known /10 Possible features)
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Transparent Pricing Model Clear, predictable pricing structure with no hidden fees. |
Transparent, published pricing with no hidden fees per public materials and pricing FAQs. | |
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Pay-As-You-Go Option Flexible usage-based pricing. |
No information available | |
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Enterprise Licensing Option Flat-rate or unlimited use licenses for large organizations. |
Enterprise licensing models offered to major corporate/treasury customers. | |
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Modular Pricing Ability to license just the features required. |
Feature-based modular pricing available, adapting to customer requirements. | |
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Free Trial/Proof of Concept Test the software before fully committing. |
Free trial and proof-of-concept engagements referenced in sales resources. | |
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Discounts for Volume or Multi-Year Commitments Reduced pricing for bulk or long-term engagements. |
Volume discounts and flexible annual/multi-year terms are negotiable on request. | |
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Cloud/SaaS Subscription Model OPEX-friendly, as-a-service deployment. |
Product commonly purchased on a cloud/SaaS subscription basis. | |
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On-Premise Perpetual Licensing Traditional software license model supported. |
On-premise perpetual licensing is available for customers requiring traditional setups. | |
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No Upfront Integration Costs Low or zero initial costs for configuration and setup. |
No information available | |
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Scalable Cost Structure Total cost aligns with actual usage/growth. |
Pricing and feature sets scale with customer needs and transaction volumes. |
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