Continuous Compliance vs Business Agility

Build configurable, parameter-driven AML platforms so regulatory rule changes are deployed as business-configuration updates, maintaining continuous FATF compliance without full redevelopment cycles.

CyberTRIZ analysis · Banking contradiction AML024 · one of 8,235 worked contradictions published by CyberTRIZ.AI

Regulations

FATF EU_SANCTIONS COBIT2019 COBIT_DESIGN_GUIDE EU_NIS2

Business Context

AML regulations evolve frequently, requiring financial institutions to update controls, policies, screening rules, and monitoring scenarios without disrupting business operations.

Banking TRIZ Resolution

Implement configurable AML platforms where regulatory changes are introduced through business rules and parameter updates instead of extensive software redevelopment.

Recommended Banking TRIZ Principles

Principle 15 - Dynamics

Principle 24 - Intermediary

Principle 35 - Parameter Changes

Principle 40 - Composite Materials

Expected Outcome

Faster regulatory adaptation

Lower implementation cost

Improved compliance

Greater operational flexibility

TRIZ principles applied

P15 DynamicsP24 IntermediaryP35 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