Compliance Costs vs Financial Crime Prevention
Allocate AML compliance spend by documented risk tier—customer, product, geography—rather than uniform control application.
CyberTRIZ analysis · Regulatory contradiction R140 · one of 8,235 worked contradictions published by CyberTRIZ.AI
Regulations
Contradiction
Resolution
Allocate compliance resources according to customer, product, and geographic risk rather than applying identical controls everywhere.
Evidence
AML Risk Assessment
Compliance Budget
Risk Reports
Kpis
High-risk customers reviewed
AML programme effectiveness
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 allocatioFATF-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 busineFATF-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