Regulatory updates, compliance guidance, and typology analysis for financial crime professionals.
Compliance Program GovernanceThe Office of the Comptroller of the Currency (OCC) and the U.S. Federal Reserve Board (FRB) issued a cease-and-desist order against American Express National Bank on October 8, assessing a $350 milli
Compliance Program GovernanceA fraudster calls your card services line with a stolen card. Your agent asks for the last four digits of the Social Security number and the card s expiration date. The caller provides both correctly,
Compliance Program GovernanceCompliance teams are inundated with vendor pitches promising AI-powered transformation. You re told your transaction monitoring will catch every scheme, your alert volumes will plummet, and your false
Compliance Program GovernanceThe Financial Intelligence Analysis Unit (FIAU) has released its AML/CFT Supervisory Plan for 2026-2027, and the message is clear: documented controls aren t enough. The plan emphasizes effective impl
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Compliance Program GovernanceWhat Changed Payments now operate without human intervention. Software initiates transactions based on pre-set conditions, such as subscription renewals or inventory restocks. These programmatic payme
Compliance Program GovernanceThe European Commission s proposed Anti-Money Laundering Authority (AMLA) will fundamentally change how certain financial institutions experience AML/CFT oversight. For the first time, an EU-level sup
Compliance Program GovernanceYour compliance dashboard shows 100% AML training completion. Every employee passed the quiz. You ve got the certificates filed and the audit trail documented. But when a relationship manager receives
Compliance Program GovernanceThe EU s Anti-Money Laundering Authority (AMLA) won t start operations until 2025, but the push for harmonization is already changing how you ll report suspicious transactions. The real question is wh
Compliance Program GovernanceYour crypto compliance program might pass a document review and still fail the next regulatory examination. By 2026, state regulators won t just ask, Do you have policies? They ll demand, Show me how
Compliance Program GovernanceThe Question at Hand You file hundreds of Suspicious Activity Reports (SARs) each year. They re compliant, timely, and checked by your QA process. But here s the uncomfortable question: does law enfor
Compliance Program GovernanceYou ve built your AML/CFT framework, documented your policies, and filed your SARs on time. But regulators are increasingly asking: Did any of it actually stop money laundering? This isn t about follo
Compliance Program GovernanceWhen FinCEN released its Notice of Proposed Rulemaking in April 2026, it sparked widespread confusion in compliance departments. The shift from compliance-focused to effectiveness-focused AML/CFT prog
Compliance Program GovernanceYou ve registered for Section 314(b) , checked the compliance box, and moved on. But if you re treating it as a one-off investigative tool instead of a continuous intelligence capability, you re missi
Compliance Program GovernanceRegulatory change is relentless. Financial institutions track updates from numerous regulators across multiple jurisdictions, each issuing guidance, rules, and enforcement actions that demand immediat
Compliance Program GovernanceThe Challenge Financial crime crosses institutional boundaries. Fraudsters exploit multiple banks, payment platforms, and jurisdictions, knowing each institution only sees part of their activity. You
Compliance Program GovernanceThe Challenge Your fraud team flags a customer for unusual card activity. Meanwhile, your AML team sees transaction patterns that don t quite meet the thresholds for filing a Suspicious Activity Repor
Compliance Program GovernanceYou re about to deploy an AI model that scores transaction risk, triages alerts, or flags network patterns. Before you proceed, your board, regulator, and audit committee will ask: can you explain wha
