Broad Monitoring Coverage vs Investigator Capacity

Apply risk-based alert prioritisation aligned with FATF's risk-based approach to concentrate investigator capacity on the highest-value financial crime leads.

CyberTRIZ analysis · Banking contradiction AML023 · one of 8,235 worked contradictions published by CyberTRIZ.AI

Regulations

FATF BCBS_239 COBIT2019 EU_AI_ACT FAIR_RISK

Business Context

Monitoring more scenarios increases the likelihood of detecting financial crime but also generates investigation volumes beyond available operational capacity.

Banking TRIZ Resolution

Use intelligent alert prioritization based on customer risk, transaction value, behavioural anomalies, and historical investigation outcomes to maximize investigative impact.

Recommended Banking TRIZ Principles

Principle 1 - Segmentation

Principle 15 - Dynamics

Principle 23 - Feedback

Principle 35 - Parameter Changes

Expected Outcome

Better workload management

Higher-value investigations

Improved detection rates

Lower investigation backlog

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