From reactive compliance to proactive intelligence

As financial crime becomes more sophisticated, legacy rule-based Anti-Money Laundering (AML) systems can no longer keep up with the complexities of today’s risk environment and emerging technology trends in the era of GenAI. Recognizing the need for key insights and actionable intelligence, we delve into an Everest Group report supported by Capgemini to transform compliance. This report draws on a comprehensive 2025 survey of 50 Tier 1 banks and financial institutions across North America, Europe, the UK, APAC, and Australia. The participating institutions represent a balanced mix of global investment, commercial, and retail banks. For organizations ready to transform compliance from a reactive cost center into a proactive, strategic advantage, this report offers an adaptable transaction monitoring framework empowering executives with strategic advantages.

The research makes a compelling case for why traditional approaches are falling short, and shows how advanced technologies and automation are fundamentally reshaping the future of financial crime detection and regulatory resiliency. These innovations deliver not only improved detection accuracy and operational efficiency, but also the real-time adaptability required to respond to emerging threats – essential for sustaining regulatory compliance and competitive differentiation utilized for redesigning traditional business processes and improving customer experience.

The adaptable transaction monitoring (TM) framework introduces a four-stage maturity model and a practical six-step transformation roadmap to guide institutions from fragmented, manual compliance processes to intelligent, scalable, and resilient operations.

  • Breaking down data silos: amongst the evolving landscape of technologies and product vendors, integrating data across the enterprise is critical for holistic risk assessment and more effective compliance strategies.
  • Embracing advanced technologies: tools like graph analytics, GenAI, and agentic AI are highlighted as transformative ways to reduce false positives – streamlining investigations, early detection, and process automation.
  • Strategic partnerships: building future-ready AML frameworks requires collaboration both within and beyond the organization, helping firms foster resilience and agility in managing regulatory compliance, data and technology transformation.

Leverage these insights as a strategic blueprint for future-proofing your organization against financial crime, ensuring regulatory readiness, unlocking operational efficiencies, and embracing the new era of transformation with technology advancements to drive long-term value and improving customer experience.

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