凯捷：2025反洗钱交易监控体系现代化转型研究报告（英文版）（23页）.pdf

1、Transaction Monitoring ProgramModernizingAnti-Money LaunderingAt a time when financial crime is growing in scale and sophistication,traditional rule-based Anti-Money Laundering(AML)Transaction Monitoring(TM)programs are no longer sufficient.Despite significant investments,financial institutions cont

2、inue to face high false positives,operational inefficiencies,and regulatory risks.The need for transformation is urgent.This research explores how financial institutions can modernize their AML TM systems to meet the demands of todays complex financial landscape.Drawing on insights from a 2025 surve

3、y of 50 Tier 1 banks across global markets,the report outlines a clear path forwardfrom legacy systems to AI/ML-powered,adaptive monitoring frameworks.The report introduces a four-stage maturity model for AML TM modernization and highlights the role of advanced technologies such as AI,machine learni

4、ng,robotic process automation,and graph analytics.It also addresses the operational,data,and regulatory challenges that institutions must overcome to scale these innovations effectively.At Capgemini,we believe that the future of AML lies in intelligent,integrated,and explainable systems that not onl

5、y detect financial crime but also adapt in real time to emerging threats.With the right strategy,technology,and partnerships,financial institutions can build resilient compliance frameworks that are both efficient and future-ready.Modernizing AML Transaction MonitoringFrom Reactive Compliance to Pro

6、active IntelligenceThe fight against financial crime is entering a new eraone that demands agility,intelligence,and collaboration.As this report outlines,legacy rule-based AML Transaction Monitoring programs are no longer sufficient to detect and deter increasingly complex laundering schemes.Financi