Rapid Regulatory Change vs Operational Stability

Separate regulatory logic into configurable rule engines so AML updates become parameter changes rather than disruptive technology implementations.

CyberTRIZ analysis · Banking contradiction AML037 · one of 8,235 worked contradictions published by CyberTRIZ.AI

Regulations

FATF EU_SANCTIONS BE_NBB_GOVERNANCE_MANUAL_2022 COBIT2019 ISO_31010

Business Context

AML regulations evolve continuously as new financial crime typologies emerge. Banks must update monitoring scenarios, reporting rules, sanctions controls, and internal policies without disrupting ongoing operations.

Banking TRIZ Resolution

Separate regulatory logic from application code using configurable rule engines. Regulatory updates become business-rule changes rather than major technology implementations.

Recommended Banking TRIZ Principles

Principle 15 - Dynamics

Principle 24 - Intermediary

Principle 35 - Parameter Changes

Principle 40 - Composite Materials

Expected Outcome

Faster regulatory implementation

Lower operational disruption

Better compliance

Reduced technology costs

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