aml arena united against fINANCIAL CRIME

• Networking & Breakfast

• Welcome to AML Arena 2025

• The new criminal playbook
• From compliance to intelligence
• Future operating models"

• How terrorist financing differs from money laundering – and why it requires unique responses
• New typologies: online fundraising, abuse of fintech/payment platforms, and crypto wallets
• Indicators of terrorist financing in customer behavior and transactions
• Practical steps for integrating CTF into AML risk frameworks without overburdening operations

• Implementing new compliance frameworks: Best practices
• When and how to escalate from CDD to EDD — and how to document that decision
• Real-world challenges: complex ownership structures, high-risk jurisdictions, crypto exposure
• The role of data enrichment and external sources in verifying and monitoring customers
• Using technology to streamline onboarding and ongoing due diligence without increasing friction
• Risk-based approaches: tailoring CDD efforts to different customer segments and business models

• The latest on UBO registries in the EU and globally
• Verification challenges and red flags
• How criminals hide behind complex ownership structures
• Integrating UBO data into onboarding and monitoring

• The latest global regulatory changes and their impact on financial institutions
• Key takeaways from the EU AML Package and Corporate Transparency Act
• The role of regulators in shaping financial crime prevention

• Navigating complex and evolving EU regulatory requirements (e.g. AMLD, PSD2/3, and e-money directives)
• Balancing user experience with strong CDD/KYC processes
• The challenges of staying aligned with local AML rules across markets
• Lessons for fintechs and platforms entering regulated financial services"

• What makes a strong compliance culture stick
• Empowering employees across departments
• Avoiding checkbox mentality in AML practices
• Leadership’s role in setting the tone and accountability

• How digitalization of society is transforming transaction monitoring and risk assessments
• The emerging role of AI and behavioural analytics in prioritizing high-risk alerts and reducing noise
• Real-time monitoring is coming - how will it impact AML for banks and financial institutions

• Modernizing AML and Monitoring to Detect Crypto Exposure in Traditional Currency Flows
• Uncovering Hidden Crypto Risks in Conventional Financial Systems
• Why Financial Institutions Must Evolve Compliance to Address Crypto-Driven Risks

A session on the evolution of contextual monitoring and its pivotal role in helping financial institutions and government agencies combat sanctions circumvention, particularly in the aftermath of the Russia-Ukraine conflict. The session will explore how financial institutions can move beyond traditional rule-based and simple watch list matching approaches, which often fall short against sophisticated evasion tactics including complex ownership structures, trade-based money laundering and indirect transaction pathways. By harnessing contextual monitoring, driven by entity resolution and graph analytics, organisations can achieve a comprehensive understanding of customer and counterparty behavior, uncover hidden relationships and detect circumvention risk signals that would otherwise remain obscured. This approach empowers compliance teams to operate with greater agility and precision amid fast-changing global sanctions landscapes.

• OLAF’s role in cross-border investigations and fraud prevention in EU
• The vision for collaboration between OLAF, AMLA, FIUs, and national authorities
• Barriers to effective intelligence sharing — and how to overcome them
• How financial institutions can engage and contribute to the EU-wide AML and financial crime prevention effort
• Preparing for AMLA: What enforcement and intelligence alignment will require in practice

• How public-private partnerships enhance financial crime investigations
• Strengthening cross-border cooperation to disrupt illicit networks
• The role of data-sharing initiatives in AML efforts & how to safely share data across institutions
• What holds back intelligence sharing in practice
• Data Privacy & Compliance in AML Investigations

• How gambling operators are used to launder money
• Detecting fraud in the laundering lifecycle → match-fixing, detection, collaboration across sectors
• Emerging threats (crypto-funded gambling platforms)

• Recap of the day’s most important insights
• The changing face of regulation
• The emerging risks in AML and CTF
• Practical steps banks should be taking on AI in the next 12 months