Customer Transparency vs Investigation Confidentiality

Provide customers with process-status updates that satisfy transparency expectations while withholding detection criteria protected by FATF tipping-off prohibitions.

CyberTRIZ analysis · Banking contradiction AML020 · one of 8,235 worked contradictions published by CyberTRIZ.AI

Regulations

FATF EU_GDPR ISO_10002 EU_SANCTIONS NIST_PRIVACY_FRAMEWORK

Business Context

Customers expect explanations when transactions are delayed or accounts are reviewed, but disclosing investigative methods could compromise ongoing AML investigations.

Banking TRIZ Resolution

Provide transparent status updates and customer guidance without revealing investigative criteria, detection models, or regulatory reporting activities.

Recommended Banking TRIZ Principles

Principle 2 - Taking Out

Principle 24 - Intermediary

Principle 39 - Inert Atmosphere

Principle 40 - Composite Materials

Expected Outcome

Better customer communication

Protected investigations

Higher customer trust

Stronger financial crime controls

TRIZ principles applied

P2 Taking OutP24 IntermediaryP39 Inert AtmosphereP40 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