Strong Financial Crime Controls vs Customer Satisfaction

Segment customers by assessed risk so enhanced AML controls concentrate on high-risk profiles while low-risk customers receive frictionless, compliant journeys.

CyberTRIZ analysis · Banking contradiction AML015 · one of 8,235 worked contradictions published by CyberTRIZ.AI

Regulations

FATF EU_GDPR EU_SANCTIONS BE_NBB_GOVERNANCE_MANUAL_2022 ISO_10002

Business Context

AML controls protect the financial system but may delay onboarding, payments, investigations, and account reviews, creating frustration for legitimate customers.

Banking TRIZ Resolution

Differentiate customer journeys according to assessed risk. Low-risk customers receive streamlined processes, while enhanced controls focus on genuinely higher-risk activity.

Recommended Banking TRIZ Principles

Principle 1 - Segmentation

Principle 15 - Dynamics

Principle 35 - Parameter Changes

Principle 40 - Composite Materials

Expected Outcome

Better customer experience

Stronger AML controls

Lower operational cost

Improved regulatory confidence

TRIZ principles applied

P1 SegmentationP15 DynamicsP35 Parameter ChangesP40 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