Rethinking AML for Real-Time Payments

Anti-Money Laundering (AML) , Finance & Banking , Fraud Management & Cybercrime Rethinking AML for Real-Time Payments Datos Insights' Serpil Hall on Using Predictive AML Tools to Support Compliance Suparna Goswami (gsuparna) • March 18, 2026     Credit Eligible Get Permission Serpil Hall, strategic advisor, Datos Insights Instant payments are reshaping financial crime controls as speed and the irreversibility of transactions strain anti-money laundering compliance models. While many assume real-time AML means faster transaction reviews, this approach can increase risk and hurt customer service, said Serpil Hall, strategic advisor at Datos Insights. See Also: Build a Zero Trust Roadmap for FinServ Real-time AML requires deeper changes across data, decisioning and operations, she said. "Real-time AML requires automated decision-making, behavioral analytics and continuous risk scoring. It also requires closer alignment between fraud and AML teams," Hall said. Excessive rules often increase false positives, which strain AML teams and disrupt legitimate transactions. Instant payments are requiring AML programs to move from retrospective checks of transactions to predictive risk management across the customer life cycle. Strong onboarding, identity verification and life cycle risk assessment now carry more weight than isolated transaction screening, she said. In this video interview with Information Security Media Group, Hall also discussed: Why predictive risk assessment is replacing post-transaction reviews; The impact of false positives on real-time payment flows; Why AML must focus on earlier risk decisions, not faster reviews. Hall supports global financial institutions, payments providers and technology firms with research driven insights and strategic guidance. Her work focuses on strengthening fraud defenses through data-led strategies, advanced behavioral analytics and modern fraud technology architectures.