by Jyotsna Bucktowar | Nov 10, 2025
The paper argues that AML/CFT programs urgently need modernization: instead of wasting resources on rigid, low-value compliance tasks, financial institutions should adopt an intelligence‑led, risk‑based framework that centers on open‑source intelligence to detect real...
by AdrianaAMLP | Oct 27, 2025
This position paper highlights that spoofed calls and messages enable large-scale social-engineering and payment fraud, resulting in hundreds of millions of euros in annual losses across Europe. Europol calls for harmonised technical standards, enhanced cooperation...
by Jyotsna Bucktowar | Oct 27, 2025
The paper argues that while compliance teams have embraced automation and data tools, they still face challenges of excessive data, time constraints, and fragmented systems. It proposes Agentic AI as the next evolution—AI systems capable of reasoning, collaborating,...
by Jyotsna Bucktowar | Oct 27, 2025
The paper advocates for digital client lifecycle management (CLM) and event-driven eKYC to replace periodic reviews, enabling continuous oversight, automated risk triggers, and dynamic data updates. Success, however, depends on addressing legacy infrastructure and...
by Jyotsna Bucktowar | Oct 27, 2025
The paper highlights how increasingly fragmented AML and CTF regulations across jurisdictions undermine effectiveness and innovation. It calls for a global shift from box-ticking compliance to an intelligence-led, outcome-focused approach that prioritises...
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