Financial Crime Prevention vs Digital Innovation
Integrate AML requirements at the earliest design stage of digital products so financial crime controls are built in, not bolted on after launch.
CyberTRIZ analysis · Regulatory contradiction R150 · one of 8,235 worked contradictions published by CyberTRIZ.AI
Regulations
Contradiction
Resolution
Embed AML requirements into product design, digital onboarding, AI-driven monitoring, and governance reviews from the earliest stages of development.
Evidence
Product Risk Assessments
AML Approval Records
Governance Reviews
Kpis
Products completing AML review
AML findings after launch
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