getfocal Review, Pricing & Features

FOCAL is Mozn's AI-powered AML compliance and fraud prevention platform for banks and fintechs, covering customer screening, transaction monitoring, and…

Category: Security
Pricing: custom
Verified: Not yet
Last updated: August 7, 2026

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FOCAL is a financial crime prevention platform built by Mozn, a RegTech company headquartered in Riyadh, Saudi Arabia with an additional office in Dubai, UAE. The platform is aimed at financial institutions, banks, and payment companies that need to meet AML/CFT and fraud-prevention regulatory requirements across Saudi Arabia, the UAE, Qatar, Kuwait, and the broader Middle East.

FOCAL's platform spans four main product areas: Customer Due Diligence (customer risk scoring and screening), AML Compliance (real-time transaction screening, transaction monitoring, a customizable rules library, a no-code dynamic rule builder, and a rule simulator for testing rules before go-live), Enterprise Fraud Management (behavioral biometrics/behavioral monitoring, device intelligence, and transaction fraud detection), and Financial Crime Intelligence, a unified investigations and reporting workspace. Newer "Agentic AI" capabilities are marketed to automate alert triage, investigation workflows, and SAR (Suspicious Activity Report) generation, and the platform is described as processing millions of transactions per second on a microservices architecture.

FOCAL has been named an IDC Innovator in Middle East RegTech and a Forrester "Notable Vendor" in Financial Crime Management, and is ISO 27001 certified. A published case study cites an 87% reduction in customer onboarding time for one client, and named customers include Aseel and Moyasar. Pricing is not published; prospective customers go through a demo/sales process.

Key Features

Customer Risk Scoring — Scores customers at onboarding and ongoing review based on risk factors relevant to AML/CFT compliance.
Customer Screening — Screens customers against sanctions, PEP, and watchlists as part of onboarding due diligence.
Real-Time Transaction Screening — Screens transactions in real time against AML/sanctions rules before they complete.
Transaction Monitoring with Dynamic Rule Builder — A customizable rules library plus a no-code dynamic rule builder and rule simulator to create, test, and tune AML detection rules without engineering support.
Behavioral Biometrics & Monitoring — Behavior-driven fraud defense that profiles user behavior across sessions to flag anomalies in real time.
Device Intelligence — Assesses device-level risk signals as part of fraud decisioning.
Transaction Fraud Detection — AI-driven fraud decisioning on payment transactions to catch fraud in real time.
Agentic AI Investigations & Automated SAR Reporting — Automates alert triage, investigation workflows, and generation of Suspicious Activity Reports (SARs) using agentic AI.

Pros & Cons

Pros

Covers customer due diligence, AML transaction monitoring, and enterprise fraud detection in a single platform instead of separate point tools
No-code dynamic rule builder and rule simulator let compliance teams adjust and test detection rules without engineering involvement
Agentic AI features aim to automate alert triage, investigations, and SAR report generation, reducing manual compliance workload
Recognized by IDC (Middle East RegTech Innovator) and Forrester (Notable Vendor, Financial Crime Management), and is ISO 27001 certified

Cons

Pricing isn't published anywhere on the site, so buyers must go through a sales/demo process to get a quote
Marketing and case studies focus specifically on Saudi Arabia, UAE, Qatar, and Kuwait, so fit for institutions outside the Middle East regulatory landscape is unclear from public materials
Newer agentic-AI investigation and auto-SAR features are prominently marketed but backed by limited public case-study evidence of real-world scale

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