A community for risk/compliance and anti financial crime officers to learn and grow together. You will find content with various topics to help fulfill this ambition.
The EU has delisted Usmanov and Fridman, the US has issuedGeneral License 135 on Russian diesel, the EU has agreed its largest sanctions package yet, and OFAC has targeted the International Criminal Court.
Joining me is Ian Bolton, Founder and CEO ofSanctions SOS, a Visiting Research Fellow at King's College London, and a former British diplomat and HSBC UK sanctions manager.
8 Jun 2026
Transaction Monitoring Framework for Financial Institutions
A system isn't a framework — and most institutions don't realize the difference until a regulator points it out.In this episode, guest host Marika Torsdotter sits down with Francisco Mainez, a transaction monitoring leader with deep experience across global financial institutions and fintechs, to unpack what separates a real transaction monitoring framework from the software underneath it — and where institutions most often get it wrong. We cover what good looks like, why data remains the unsolved problem of 2026, how training has quietly become the second elephant in the room, and what the shift from rules-based detection toward more advanced analytics actually demands of governance.
A few things that stuck with me from this conversation:
→ A system is the technology. A framework is everything around it — typology library, governance, data, documentation. Buying one without building the other is the most common failure pattern in the industry.
→ Data is the toothache nobody fixes. Institutions keep buying new systems instead, because data work is harder, slower, and less visible. But you cannot monitor anything if you don't have the data to do it.
→ Training is the second elephant. Even the most advanced system will produce false positives in front of an investigator who doesn't know what to do with them.
As Francisco puts it: "Whatever you sweat in training, you won't bleed in battle."Whether you work in AML, compliance, fraud, or financial crime more broadly — if your institution runs transaction monitoring, this conversation is for you.
16 Apr 2026
Beyond ChatGPT: The AI Arsenal Compliance Has Been Ignoring
In this episode, guest host Marika Torsdotter sits down with AI and financial crime compliance expert Aneta Klosek to cut through the noise around AI and reveal what most compliance professionals are still missing.While the industry fixates on large language models like ChatGPT, Aneta argues there's a whole ecosystem of AI algorithms quietly powering or failing to power the fight against financial crime. The conversation breaks down three concrete use cases:* Gradient Boosting — the workhorse inside most transaction monitoring systems, learning from historical patterns to prioritize alerts and reduce false positives far beyond what static rule-based systems can achieve.* K-Means Clustering — an unsupervised learning technique that segments customers by behavior, not just category. A $50,000 transfer that looks normal for a corporate treasury cluster is a massive red flag for a retail student cluster. Context is everything.* Word Embeddings — the technology that bridges unstructured text and risk intelligence. From recognizing that "Muhammad Al-Hassan" and "M. Al-Hassan" are the same person, to understanding that "cleared of fraud" and "charged with fraud" carry opposite risk signals this model brings semantic intelligence to name screening and adverse media.Aneta closes with a hard truth: the biggest gap in the industry isn't technology it's the skill gap between technical teams and compliance officers, and the dangerous tendency to treat AI as a pilot project rather than a core business strategy. Meanwhile, criminals face none of those constraints.Bottom line: Stop treating AI as a side project. Start with your data. Build from clarity, not hype.
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