Global AML Standards vs Local Regulations

Build a single global AML framework with jurisdiction-specific configurable modules to satisfy both FATF standards and local regulatory obligations simultaneously.

CyberTRIZ analysis · Banking contradiction AML009 · one of 8,235 worked contradictions published by CyberTRIZ.AI

Regulations

FATF EU_GDPR EU_SANCTIONS BE_NBB_GOVERNANCE_MANUAL_2022 BCBS_239

Business Context

International banks operate under FATF recommendations while simultaneously complying with country-specific AML regulations, reporting obligations, and supervisory expectations.

Banking TRIZ Resolution

Maintain a global AML framework supported by configurable local compliance modules that automatically adapt screening rules, reporting requirements, and regulatory workflows.

Recommended Banking TRIZ Principles

Principle 3 - Local Quality

Principle 15 - Dynamics

Principle 33 - Homogeneity

Principle 40 - Composite Materials

Expected Outcome

Consistent AML governance

Better regulatory compliance

Easier international operations

Reduced implementation effort

TRIZ principles applied

P3 Local QualityP15 DynamicsP33 HomogeneityP40 Composite Materials

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