ACTICO: compliance, credit decisions and asset administration

Capital Market Compliance includes MAID, the Market and Insider Dealing Detection application. It monitors client, employee and proprietary activity, including transactions through third-party banks, against configurable scenarios. Examples include wash trades, front-running and matched-order patterns. Alerts feed case workflows; related functions cover watch and restricted lists, insider lists, employee declarations and pre-clearance.[2]

First combines investment accounting, portfolio administration and reporting. Its order-management workflow connects order capture and status to execution information and portfolio accounting, with market data and pre-trade limit checks. It supports multiple accounting standards and links subsidiary investment records to general-ledger processes. The optional Companion adds AI assistance within the application.[8]

FinXN receives and validates fund information, including TPT and EET formats, and makes it available for downstream use. It supports conversion into First and configurable recursive look-through across fund holdings. The purpose is to improve the completeness and traceability of fund data used for reporting and investment processes.[9]

KYC maintains electronic customer profiles, beneficial-owner information and relationships between entities. Initial and continuing risk classifications support onboarding and subsequent review, with configurable rules and interfaces into the onboarding process. The profiles combine customer information with sanctions and PEP checks.[18]

The AML product adds customer, product, transaction, country and distribution-channel risk factors, with manual adjustment where required. It records changes in an audit trail and supports suspicious-activity data preparation and XML export for upload through goAML. Preparing this file is a distinct step from the institution’s decision to report and its submission to the FIU.[19]

Decision Automation exposes Java, REST and SOAP interfaces and supports batch operation. A central repository manages model versions and collaboration; deployment and execution records help trace which decision logic ran. This is a configurable decision service: the customer still supplies the policies, data connections and release process appropriate to its business.[6]

Customer Screening imports sanctions and information lists, including material from LexisNexis, LSEG and Dow Jones, alongside institution-specific lists. Configuration can use name variants, dates of birth and country data. Whitelisting suppresses previously reviewed hits until relevant data changes, while simulation helps tune screening before moving configurations into production. List-content rights and the selected data feeds should be defined in the implementation scope.[4]

The credit platform’s Credit Bureau Gateway connects external data providers. Teams can test revised policy models against historical applications before activation. The combination of recorded automated decisions and manual approval history is relevant when explaining why an application followed a particular lending path.[5]

First documents REST, SFTP and S3 interfaces and an Excel add-in. These interfaces connect investment data and reporting workflows; the reviewed material does not establish a prebuilt connection to every broker platform or general ledger. Source schemas, reconciliation and update frequency belong in the agreed integration design.[8]

Asset-administration modules can be combined or purchased individually. Its business-process service adds operational work to software and infrastructure. The quote should distinguish modules, environments, data feeds and the services supplied.[7]

The First and Flextax cloud service describes encryption in transit and at rest, backups, planned maintenance and continuous infrastructure monitoring. The chosen provider and location therefore depend on the service ordered. These published arrangements should be matched to the specific application, recovery commitments and exit provisions in the customer’s contract.[10]

Credit implementation includes configuration and testing of policy rules, approval routes and incoming applications. Screening implementation also needs risk-sensitive thresholds and review procedures. Each configuration should be checked against representative customer data before the firm relies on its resulting decisions. ACTICO’s pages describe the relevant configuration tools without giving a universal completion schedule.[5][4]

Asset Administration publishes separate support numbers for First, FinRP, Flextax and FinXN, alongside a help portal, ticket system and download area. These product-specific routes are more precise than the corporate switchboard. The public support page does not provide one response-time commitment covering the whole ACTICO range.[12]

Decision Management’s pricing page distinguishes standard ticket support for on-premises Starter from SaaS support. It displays 24/7 support and 99.5% standard availability for SaaS, with negotiable terms. That published package information should not be extended automatically to other ACTICO services.[11]

ACTICO Academy provides self-paced Decision Management and Compliance courses, including exercises and role-oriented learning. Registration supplies credentials. The page currently marks Credit Risk Platform training and some certification programmes as coming soon, so course availability should be checked for the purchased product.[13]

MAID is marketed for capital-market surveillance and related employee-dealing controls. A firm must still configure monitoring for its products, venues, activities and jurisdiction, investigate alerts and take the required actions. Software support for market-abuse controls does not itself establish the firm’s regulatory permissions or prove that every relevant trading pattern is covered.[2]

The Asset Administration overview reports ISO 27001 certification and ISAE 3402 Type 1 and Type 2 assurance. It also discusses DORA-related contractual arrangements. These statements relate to the described operating context; the relevant certificate or report scope, covered service and contractual duties need to be assessed for the actual deployment.[7]

The legal imprint identifies ACTICO GmbH in Friedrichshafen, Germany, registered at Ulm under HRB 731152. The contact page lists European offices and regional companies ACTICO Corp. in Chicago and ACTICO Pte. Ltd. in Singapore. The entity named in an order determines the customer’s supplier.[15][14]

ACTICO announced a majority investment from Keensight Capital in March 2025, with Bregal remaining invested. Its September 2026 announcement describes the business as backed by Keensight and confirms that it joined forces with Axe Finance. The corporate relationship is separate from any commercial partnership with a client or technology supplier.[16][17]

Axe Finance adds the Axe Credit Portal, an end-to-end credit-management platform covering origination, servicing and collections across multiple lending segments. The announcement describes both hosted and SaaS delivery.[17]

Former FACT products now sit within ACTICO’s Asset Administration business.[7]

ACTICO’s historical lineage includes a 2015 management buyout of Bosch Financial Software. It subsequently acquired the Visual Rules software rights from Bosch Software Innovations in December 2019, with ownership transferring at the start of 2020. This is a software lineage, not ownership of the wider Bosch group.[20]

Operator

ACTICO GmbH

Service scope

Compliance, credit decisions, decision automation and investment administration.

Customer types

Banks; Insurers; Investment institutions; Financial services providers

Delivery

SaaS; On premises; API; Managed service

Pricing publication

Public and quoted pricing

Headquarters

Friedrichshafen, Germany

Platforms

MAID; Customer Screening; Credit Risk Platform; Decision Management Platform; First; FinRP; Flextax; FinXN; Axe Credit Portal

Integrations

Java API; REST; SOAP; Batch; SFTP; S3; Credit Bureau Gateway

Pricing scope

Decision Management publishes a Starter amount; other packages use custom pricing.

Implementation

Configuration and integration vary across compliance, credit, decision and asset-administration products.

Support

Corporate contact, product support routes and self-paced Academy training.

Permissions and regulatory scope

Software and operational services supporting institutional compliance and investment processes.

Provider metadata checked 21 Oct 2026Source 1Source 13Source 7Source 17Source 5Source 6Source 8Source 15Source 2Source 11Source 4

ACTICO’s September 2026 compliance update describes AI agents assisting with research, analysis and documentation, including adverse-media investigation and FIU-reporting preparation. The firm says compliance specialists retain final decisions and can select the language model and its hosting location. These are workflow and governance features; the public description does not establish that an agent independently authorises transactions or submits every regulatory report.[3]