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Buyer's Guide

Choosing AML software in Pakistan? Ask these 12 questions.

Most vendors were built for other markets. These checks show whether a system fits Pakistan's lists, names and examiners.

The checklist

Twelve checks. One shortlist.

Ask every vendor the same questions. Ask for evidence, not slides.

  1. 01

    Does it cover Pakistan's own lists?

    Global vendors start with OFAC, UN and EU. Pakistani examiners start with NACTA, SROs and FIA.

    FPM AML-CHECK: NACTA Schedule I and IV, UNSC, federal and provincial SROs, FIA Redbooks, police lists and proscribed associates, plus global sanctions.

  2. 02

    How fast do new listings reach you?

    A name notified this morning should be screened today, not next week.

    FPM AML-CHECK: SROs and notifications every 3 hours from 09:00 to 21:00. UN, NACTA, OFAC, UK, EU and UAE lists every 24 hours.

  3. 03

    Are domestic PEPs included, with family and associates?

    Imported PEP data is thin on Pakistani office holders and their relatives.

    FPM AML-CHECK: Nine categories of domestic PEPs, current and former, with family and associates. Historical records since year 2000.

  4. 04

    Does it handle Pakistani name variations?

    Muhammad has a dozen spellings. Exact matching misses real hits.

    FPM AML-CHECK: Name variation matching that treats Muhammad, Mohammad and Muhammed as one name.

  5. 05

    Can it clear false hits with local identifiers?

    Without father's name and CNIC, analysts drown in common names.

    FPM AML-CHECK: Father's name, date of birth and CNIC confirm or clear a hit before it reaches your queue. Cleared matches stay whitelisted.

  6. 06

    Does it rescreen your book when lists change?

    Onboarding screening alone misses customers listed after they joined.

    FPM AML-CHECK: Delta screening runs each list change against your whole customer base and sends new matches to your queue.

  7. 07

    Where is your data hosted?

    Customer data leaving Pakistan raises regulatory and confidentiality questions.

    FPM AML-CHECK: SaaS from FPM's own cloud facility in Pakistan.

  8. 08

    What will an examiner see?

    Inspections ask who decided, when and why.

    FPM AML-CHECK: Every query, result and decision on record with the reviewer's name, and exportable reports.

  9. 09

    Is the risk model yours and explainable?

    A black-box score does not survive inspection.

    FPM AML-CHECK: Configurable factors and weights mapped to the National Risk Assessment. Every score shows its reasons.

  10. 10

    Is monitoring built for local typologies?

    Generic rules flood the queue and miss local patterns.

    FPM AML-CHECK: 137 rules in eight families, with thresholds you change without code, and goAML-ready case files.

  11. 11

    Can you test it before you buy?

    A demo shows what the vendor chooses. A sandbox shows what the API does.

    FPM AML-CHECK: Sandbox credentials are published. No sign-up, same endpoints as production.

  12. 12

    Who answers when something breaks?

    Support in another time zone slows every incident and every inspection.

    FPM AML-CHECK: Karachi-based compliance and engineering team, reachable on WhatsApp and phone.

At a glance

The 12 checks, answered.

QuestionFPM AML-CHECK
Does it cover Pakistan's own lists?NACTA Schedule I and IV, UNSC, federal and provincial SROs, FIA Redbooks, police lists and proscribed associates, plus global sanctions.
How fast do new listings reach you?SROs and notifications every 3 hours from 09:00 to 21:00. UN, NACTA, OFAC, UK, EU and UAE lists every 24 hours.
Are domestic PEPs included, with family and associates?Nine categories of domestic PEPs, current and former, with family and associates. Historical records since year 2000.
Does it handle Pakistani name variations?Name variation matching that treats Muhammad, Mohammad and Muhammed as one name.
Can it clear false hits with local identifiers?Father's name, date of birth and CNIC confirm or clear a hit before it reaches your queue. Cleared matches stay whitelisted.
Does it rescreen your book when lists change?Delta screening runs each list change against your whole customer base and sends new matches to your queue.
Where is your data hosted?SaaS from FPM's own cloud facility in Pakistan.
What will an examiner see?Every query, result and decision on record with the reviewer's name, and exportable reports.
Is the risk model yours and explainable?Configurable factors and weights mapped to the National Risk Assessment. Every score shows its reasons.
Is monitoring built for local typologies?137 rules in eight families, with thresholds you change without code, and goAML-ready case files.
Can you test it before you buy?Sandbox credentials are published. No sign-up, same endpoints as production.
Who answers when something breaks?Karachi-based compliance and engineering team, reachable on WhatsApp and phone.

Put us through the checklist.

Open the sandbox, or send us a sample file and see your own results.

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