Real-Time Transaction Monitoring vs System Performance

Reserve real-time AML analytics for high-risk transaction segments and use post-event behavioural monitoring for lower-risk flows to protect system performance.

CyberTRIZ analysis · Banking contradiction AML016 · one of 8,235 worked contradictions published by CyberTRIZ.AI

Regulations

FATF EU_INSTANT_PAYMENTS_REG_2024 EU_NIS2 BCBS_239 COBIT2019

Business Context

Modern payment channels require AML controls to evaluate transactions within seconds. Monitoring every payment in real time increases computational demand and may affect system performance.

Banking TRIZ Resolution

Apply real-time analytics only to high-risk scenarios while lower-risk transactions undergo post-event monitoring supported by continuous behavioural analysis.

Recommended Banking TRIZ Principles

Principle 1 - Segmentation

Principle 15 - Dynamics

Principle 20 - Continuity of Useful Action

Principle 40 - Composite Materials

Expected Outcome

Faster transaction processing

Better AML detection

Improved platform performance

Lower operational cost

TRIZ principles applied

P1 SegmentationP15 DynamicsP20 Continuity of Useful ActionP40 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