Continuous Monitoring vs Operational Cost

Tier monitoring intensity by customer risk rating so technology and investigator spend concentrates where regulatory obligation and exposure are greatest.

CyberTRIZ analysis · Banking contradiction AML006 · one of 8,235 worked contradictions published by CyberTRIZ.AI

Regulations

FATF BCBS_239 COBIT2019 ISO_31010

Business Context

Financial institutions are expected to monitor customer activity continuously throughout the entire business relationship. However, monitoring millions of customers generates significant operational and technology costs.

Banking TRIZ Resolution

Monitoring should be risk-driven rather than uniform. High-risk customers receive continuous enhanced monitoring, while lower-risk customers follow proportionate review cycles supported by automated analytics.

Recommended Banking TRIZ Principles

Principle 1 - Segmentation

Principle 15 - Dynamics

Principle 23 - Feedback

Principle 35 - Parameter Changes

Expected Outcome

Lower monitoring costs

Better allocation of investigators

Improved AML effectiveness

Stronger regulatory compliance

TRIZ principles applied

P1 SegmentationP15 DynamicsP23 FeedbackP35 Parameter Changes

Controls that address this (13)

FATF-AML-001 - Implement Risk-Based AML/CFT Approachoperational · critical priority · Implement a risk-based approach to AML/CFT covering: national risk assessment awareness, institutional risk assessment, risk-based allocatio FATF-CDD-001 - Implement FATF-Standard Customer Due Diligenceoperational · critical priority · Apply CDD measures to all customers: identify and verify customer identity, identify beneficial owners, understand the purpose of the busine FATF-R1-001 - Institutional AML/CFT Risk Assessmentgovernance · critical priority · Conduct a comprehensive institutional AML/CFT risk assessment covering: products and services, customer types, delivery channels, and geogra