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Fraud & Financial Crime

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Fraud & Financial Crime

Fraud and financial crime require banks to detect suspicious activity, assess risk, investigate cases, and intervene when action can still change the outcome. AI creates an opportunity to identify emerging threats earlier, improve real-time fraud decisions, and focus investigative capacity where it matters most.

1 Nov 2024 fraud financial crime
IBM Z and Real-Time AML: The Onward-Hop Opportunity

Brief  ·  13 min read

IBM Z and Real-Time AML: The Onward-Hop Opportunity

Why mule-account dispersal creates a transaction-time decision that conventional AML monitoring cannot address alone.

17 Sep 2026 AI Strategy AML
The Language of Money: Why Transaction Models Are a Genuine Breakthrough, Not Just AI Hype

Article  ·  6 min read

The Language of Money: Why Transaction Models Are a Genuine Breakthrough, Not Just AI Hype

Transaction models apply the architecture behind large language models to money movement, learning the grammar of legitimate financial behaviour so that fraud stands out as a grammatical error. This article explains why the approach genuinely improves on gradient-boosted trees and RNNs, why embeddings are the underrated output, and how institutions can capture the benefits without network-scale data.

7 Jul 2026 Transaction Models Fraud Prevention
AML Monitoring: The Difference Between Filing More SARs and Finding More Crime

Retail Banking  ·  7 min read

AML Monitoring: The Difference Between Filing More SARs and Finding More Crime

AML transaction monitoring at most large banks generates alert volumes that analysts cannot meaningfully investigate. The result is not a cautious programme that catches most money laundering. It is a high-volume programme that catches a fraction of it while consuming enormous operational resources on alerts that are not suspicious. The distinction between alert volume and detection quality is the one worth making.

12 May 2026 AML Financial Crime
APAC Banks Pay $4.59 Per Dollar Lost Without AI Detection

insights  ·  7 min read

APAC Banks Pay $4.59 Per Dollar Lost Without AI Detection

APAC financial institutions spend $4.59 for every $1 lost to fraud. Regional AML penalties surged 266% in H1 2024. The 2023 Singapore money laundering case has shifted every major AP regulator from consultation to enforcement. Three pressures are converging on APAC banks simultaneously — and all three are backed by primary evidence.

12 May 2026 banking AI
Four Criteria That Reveal Which AI Decisions to Fix First

insights  ·  7 min read

Four Criteria That Reveal Which AI Decisions to Fix First

Most AP banks are targeting AI at the wrong decisions. The ones that identify the right decisions are still failing for three consistent reasons. And the sequence in which to act is not obvious — which is why a structured prioritisation framework matters more in APAC than in any other region.

12 May 2026 banking AI
Targeting AI at High-Consequence Decisions Delivers the Largest Returns

insights  ·  7 min read

Targeting AI at High-Consequence Decisions Delivers the Largest Returns

High volume does not mean high value. Most AI roadmaps in financial services are sequenced backwards — and even institutions that identify the right decisions to target are repeating the same three failure patterns that have killed the majority of AI programmes in the industry.

12 May 2026 banking AI
The $61 Billion Compliance Problem That AI Can Solve

insights  ·  7 min read

The $61 Billion Compliance Problem That AI Can Solve

Compliance cost crisis, enforcement escalation, and fair lending exposure are converging on North American banks at the same time. Each one alone would justify a fundamental redesign of how institutions make decisions. Acting together, they compress the timeline for action in ways that are now measurable in months, not years.

12 May 2026 banking AI
The EU AI Act Applies to Models Already in Production

insights  ·  8 min read

The EU AI Act Applies to Models Already in Production

Regulatory acceleration driven by the EU AI Act, compounding AML compliance costs, and competitive disruption from digital-first banks are converging on EMEA institutions at the same time. The August 2026 deadline for high-risk AI compliance is twelve weeks away. Most banks are not ready.

12 May 2026 banking AI
Where EU Compliance Requirements and AI Value Creation Converge

insights  ·  8 min read

Where EU Compliance Requirements and AI Value Creation Converge

High volume does not mean high value. Most AI roadmaps in EMEA financial services are sequenced backwards — and even institutions that identify the right decisions to target are repeating the same three failure patterns that have killed the majority of AI programmes across every market.

12 May 2026 banking AI