Articles, interviews and company updates
Insights, product updates, and guides on AML, compliance, and the future of financial crime prevention.
From Alerts to Investigations: What Banks Should Expect From an AML Platform
AML platforms should do more than just generate alerts; they must facilitate structured, contextual investigations. By focusing on workflow, banks can move from signal to decision with greater consistency, clarity, and control while reducing operational friction and audit risk.
Reducero AB chooses Pingwire to support the next stage of its AML and compliance operations
Reducero AB has selected Pingwire to streamline its AML and compliance operations. As Reducero prepares to become a credit market company by 2026, Pingwire will provide a unified platform for KYC, screening, onboarding, risk management, and transaction monitoring.
Scaling compliance without turning AML into a growth bottleneck
Learn how AML compliance software helps financial companies scale monitoring, reviews, auditability, and onboarding without creating bottlenecks.
How audit-ready AML operations reduce friction before expansion
See how AML audit readiness helps compliance teams reduce friction before market, product, or partnership expansion.
Real-Time Transaction Monitoring for AML Teams
Pingwire helps financial crime teams connect real-time transaction monitoring with risk scoring, alert context, case workflow and human review across fast-moving payment flows.
AML Platform Evaluation Checklist for Payment Companies
Use this practical checklist to evaluate AML platforms for transaction monitoring, investigations, audit readiness, and operational control.
How Real-Time Transaction Monitoring Strengthens an AML Platform
Learn how real-time transaction monitoring strengthens an AML platform by connecting transaction risk signals, alert prioritisation, investigation workflows, and human review.
AML Platform for European Banks, Payment Companies and Fintechs
Evaluate Pingwire’s AML platform for connected transaction monitoring, screening, customer risk, case handling and evidence-ready financial crime operations.
Payment Services Fraud in Sweden: What the Swedish Financial Supervisory Authority's Latest Data Shows
New data from the Swedish Financial Supervisory Authority (FI) shows reported fraud rose to SEK 905 million in H2 2025. While incidents are increasing, a smaller rise in actual losses suggests that payment service providers are becoming more effective at stopping suspicious transactions.
Money Laundering Reporting Officer (MLRO)
An MLRO oversees an organization's AML reporting and financial crime detection. This guide covers the role's importance, jurisdiction-specific duties, and how they act as a liaison with regulatory authorities to protect the business and financial system.
Payment Threat Intelligence Integration With Transaction Monitoring Systems: A Practical Guide for EU/UK Fintechs
This guide explores the necessity of integrating payment threat intelligence (PTI) with transaction monitoring systems (TMS) for EU/UK fintechs. It highlights how unified context reduces fragmentation, improves fraud and AML detection, and ensures regulatory compliance.
The Gold Courier Who Didn’t Know He Was a Criminal
An 81-year-old woman lost gold worth 1.6M SEK in a sophisticated investment scam. This case highlights how criminal networks use physical gold and unsuspecting couriers to move value outside the traditional banking system, bypassing standard AML triggers through layering and structuring.
PEP screening: requirements, scope changes, and how to operationalize it
PEP screening is more than just matching names; it requires a risk-based approach to identify Politically Exposed Persons and their Close Associates (RCAs). This guide explores FATF standards, evolving regulatory scopes, and how to build a documented, defensible compliance environment.
AML platform with built-in case management: what compliance teams should look for
An effective AML platform must offer more than alerts; it requires a built-in case management system that ensures auditable workflows, evidence retention, and regulatory compliance. Evaluate platforms based on their ability to create a complete investigative record without manual data entry.
AML Transaction Monitoring in the EU: A 2026 Guide for Compliance Teams
This comprehensive 2026 guide explores AML transaction monitoring systems, explaining how modern financial institutions can detect suspicious activity, unify data silos, and improve operational efficiency while meeting strict regulatory requirements.
Pingwire compliance update: smarter controls for faster, cleaner compliance operations
Pingwire’s latest update introduces advanced compliance controls, including product-level KYC, datapoint conflict rules, and enhanced transaction monitoring. These features help fintech and payments teams reduce false positives, improve status visibility, and scale operations with precision.
Suspicious Activity Reporting in Europe: What Financial Entities Need to Know
A guide to suspicious activity reporting (SAR/STR) for European obliged entities. This post explains the thresholds for suspicion, the role of Financial Intelligence Units (FIUs), and the evolving EU AML framework, including the new AMLR and AMLA regulations.
Flying Money: From Tang-era remittances to modern underground finance
Flying money traces the evolution of informal value transfer systems (IVTS) from Tang-era China to modern finance. This post explores how trust-based networks move value across borders without direct bank transfers, highlighting both legitimate uses and the compliance risks they pose today.
Best Transaction Monitoring Platforms 2026: A Practical Guide for Compliance Teams
Explore the essential capabilities of modern transaction monitoring for 2026. This guide covers flexible rule configuration, behavioral detection, and why clear audit trails are vital for regulatory confidence. Discover why Pingwire is the top choice for compliance teams today.
Pingwire Signs Trygga Group as They Build Toward a Banking License
Trygga Group, a leading Swedish loan comparison platform, has selected Pingwire to provide full compliance infrastructure as they apply for a banking license. Pingwire will provide KYC, CDD, sanctions screening, and transaction monitoring to support their growth into a regulated bank.
Sweden’s criminal economy is at least SEK 350 billion a year. Yet only ~SEK 340 million was clawed back via confiscations, damages, and fines
Sweden's criminal economy has reached SEK 350 billion annually, yet only SEK 340 million was recovered. With economic crime now dominating court convictions, businesses face a heightened risk of exploitation, requiring a shift toward data-driven, proactive AML and risk management strategies.
Sweden’s Quiet Counterforce to Money Laundering
Sweden is stepping up AML through FINUC, where police, authorities and banks share intelligence to disrupt laundering flows and recover assets.
INTERPOL Global Financial Fraud Threat Assessment 2026: An Increasingly Sophisticated Global Threat from Financial Fraud
The INTERPOL 2026 assessment highlights financial fraud as a complex, polycriminal threat interwoven with cybercrime and human trafficking. Driven by AI-enabled automation and organized networks, fraud is now a standardized global industry requiring integrated defense strategies.
Sweden: Financial Crime Has Become the Main Criminal Market, and Companies Are Often the Vehicle
Financial crime has become the dominant criminal market in Sweden, with companies systematically used to move money, hide ownership, and create false business activity. Public reports from Swedish police, cross-agency assessments, and Interpol put the criminal economy at around SEK 350 billion per year, making it a direct risk for compliance, governance, and market integrity.
Types of Fraud: A Practical Guide for Compliance, Risk, and Payments Teams
This practical guide breaks down the essential taxonomy of fraud, including identity theft, account takeover (ATO), and payment card fraud. It provides definitions, warning signs, and prevention steps specifically for compliance, risk, and payments professionals.
Sanction Screening Tools: What They Do, What to Evaluate, and How to Choose the Right Fit
Sanctions screening tools are vital for AML compliance, helping firms identify risks during onboarding and transactions. This guide explores how to evaluate match logic, improve operational efficiency, and choose a tool that balances regulatory defense with a seamless customer experience.
AML fines: why they happen, what regulators expect, and how to reduce risk
AML fines signal control failures beyond financial loss, impacting growth and reputation. This guide explores why regulators issue penalties, common control weaknesses in KYC and transaction monitoring, and how fintechs can improve traceability and audit readiness to reduce risk.
Fraud prevention in banking: a practical guide to strategies, controls, and technology
This guide explores a multi-layered framework for fraud prevention in banking, covering ATO, APP scams, and synthetic identity fraud. It emphasizes the need for defensible AI, real-time insights, and an operating model that balances customer experience with regulatory compliance.
Transaction Monitoring Alerts: What Compliance Leaders Actually Need to Know
Transaction monitoring alerts are the backbone of AML and CFT frameworks. This guide explores how compliance leaders can bridge the gap between high alert volumes and genuine risk, focusing on operational efficiency, regulatory confidence, and the challenge of false positives.
Why Is Transaction Monitoring Important?
Transaction monitoring is the cornerstone of AML compliance, allowing financial institutions to detect suspicious activity and prevent financial crime. This post explores its regulatory importance, operational requirements, and global standards like FATF and the Bank Secrecy Act.
Customer Due Diligence Software: A Practical Guide for Compliance and Business Leaders
Scalable customer due diligence (CDD) is vital for fintechs and banks. Manual processes and fragmented tools create risk and inefficiency. This guide helps compliance leaders evaluate CDD software to automate verification, manage EDD, and ensure defensible regulatory decision-making.
KYC Transaction Monitoring: Connecting Customer Identity to Ongoing Detection
Disconnected compliance tools lead to false positives and audit gaps. KYC transaction monitoring solves this by linking customer identity and risk profiles directly to ongoing detection, ensuring that monitoring intensity aligns with real-time risk assessments.
The Future of SaaS and AI: Interview with Carl Ringqvist
Carl Ringqvist, Head of Data & AI at Pingwire, discusses the evolving role of coders and the future of SaaS. While AI doubles productivity, Carl argues that human abstract thinking remains essential for navigating complex systems and unverifiable problems in the AI era.
6th AML Directive: Complete Guide to EU’s Latest Anti-Money Laundering Framework
The article details how the EU’s 6th Anti-Money Laundering Directive (6AMLD) strengthens legal liability, harmonizes offences, enhances beneficial ownership transparency and cross-border cooperation, and mandates stricter compliance measures for entities and authorities across EU member states.
Client Due Diligence Software: How to Evaluate, Implement, and Get Audit-Ready
Evaluate and implement client due diligence (CDD) software to automate risk scoring, identity verification, and sanctions screening. This guide helps compliance teams select the right tools to stay audit-ready and manage complex client portfolios without increasing headcount.
AML Screening: What It Is, Why It Matters, and How to Get It Right
AML screening is a vital compliance process used to identify financial crime risks by checking individuals against sanctions, PEP, and adverse media lists. This guide covers how to implement effective screening workflows to meet KYC obligations and reduce operational friction.
AI in Compliance: Navigating 2026's Regulatory Landscape
AI has become a practical compliance tool in 2026, helping teams track regulatory changes, automate monitoring, cut false positives by up to 50 percent, and generate audit-ready documentation across finance and beyond. The article explains what AI does well today, where risks like bias and governance remain, and how to start with focused pilots, clear guardrails, and standards-aligned models that regulators can trust.
Mastering Identity Theft Risk Assessment
Protect your identity with a structured risk matrix. Prioritize threats, enhance security, and align with EU standards for better financial crime prevention.
The main limitations to your organization's current approach to financial crime detection
Discover 10 critical gaps in financial crime detection crippling AML teams: sanctions screening failures, rigid rules, siloed data & more.
Transaction Monitoring in AML: A Guide for Modern Compliance Teams
Unlock the secrets of effective AML transaction monitoring: detect risks, reduce false positives, and streamline compliance with our expert guide!
Art Money Laundering, A Compliance Guide for Risk Leaders
Uncover art money laundering risks: vulnerabilities, techniques, red flags & practical AML controls. Essential compliance guide for finance, fintech & risk leaders.
Example of Insider Trading: Scenarios + Real Cases
Discover clear insider trading examples: earnings misses, mergers, tipping, shadow trading & more. MNPI rules, real cases (Martha Stewart), penalties, prevention tips. Stay compliant!
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Politically Exposed Person (PEP): Definition, Risk, and AML Due Diligence Guide
Master PEPs in AML/KYC: Definition, categories, risks & practical due diligence guide. Screen effectively, apply EDD, monitor – build audit-ready controls & avoid fines.
AML Transaction Monitoring: A Complete Guide for Compliance Leaders
Everything you need to know about AML transaction monitoring—rules, alerts, false positives, and staying audit-ready at scale.
Mastering AI Financial Fraud Detection
Master AI financial fraud detection: real-time ML, graph analysis & agentic AI cut false positives 70%, lift high-risk detection 30%.
AI-Driven Transaction Monitoring for 2026
Explore AI-powered transaction monitoring strategies to combat money laundering in 2026.
Financial Data Breaches in Finance: Analyzing the Risks
The article explains why financial services face rising, costly data breaches driven by AI, real-time payments, and third-party risk, and shows how integrated, automated defenses using continuous monitoring, Zero Trust principles, and AI-driven detection reduce impact, speed response, and protect trust.
Fraud Management Solution - A complete guide
Discover a practical guide to choosing and implementing a robust fraud management solution that protects assets, enhances compliance, and scales efficiently.
Innovative Fraud Management for Financial Institutions
Fraud is accelerating through generative AI, instant payments, synthetic identities, and digital assets, and the article explains how banks can respond with a modern fraud management solution that combines real-time data, behavioral and graph analytics, transparent AI, and strong governance to cut losses, reduce false positives, and protect customer experience.
Pingwire partners with Finansfabriken to secure lending and factoring for growing Swedish fintech
Pingwire + Finansfabriken: Corporate Loan & Invoice Compliance
Compliance Is Not a Cost Center, A CEO Perspective
An interview with our CEO on scaling trust, using AI responsibly, and helping banks fight financial crime without slowing growth.
Pingwire Appoints Bo Liljefors as Chief Product Officer to Accelerate AML Innovation
Pingwire appoints Bo Liljefors to revolutionize compliance with agentic AI and no-code tools, turning regulatory demands into a strategic edge.
Mastering KYC Technology: A Beginner's Guide
Unlock streamlined KYC processes with our how-to guide on leveraging technology for compliance. Perfect for beginners in financial sectors.
Transforming AML Compliance with AI Insights
Discover how AI is revolutionizing AML compliance for banks and payment firms, ensuring efficiency and risk mitigation.
Analyzing Strategies for Combatting Financial Data Breaches
Financial data breaches are business crises driven by weak identity controls, flat networks, and third-party exposure. This post shows how to reduce breach probability and impact using proven controls aligned with NIST CSF and ISO 27001, and how to prove results with metrics leaders trust.
Underground Banking: Complete Guide to Informal Value Transfer Systems
You learn how informal value transfer systems like hawala, hundi, and fei ch’ien move money outside regulated channels and why they matter for AML work. The guide gives you clear indicators, risks, and detection strategies to help you identify underground banking activity.
Customer Risk Assessment: Assessing Money Laundering and Terrorist Financing Risks in Client Relationships
You see how customer risk assessments help you allocate controls, set monitoring levels, and meet regulatory expectations without slowing customer onboarding. The guide shows you how to score risk factors, document decisions, and keep your model auditable as regulations evolve.
Money Laundering Steps: The Money Laundering Process Explained: Placement, Layering, and Integration
AML software guide for financial institutions. Learn key features, compliance requirements, and how modern solutions reduce risk and strengthen detection.
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Prevention of Money Laundering: How to Build Effective AML Programs
Learn how effective AML programs combine strong KYC, continuous monitoring, and risk based controls to limit laundering attempts that move an estimated 1.6 trillion dollars each year, according to the UNODC. You also see why advanced analytics and platforms like Pingwire help you lower false positives, strengthen detection, and build a prevention culture that meets global regulatory standards.
Last-Mile ISO 20022: What Your Institution Must Do Before December 2026
Financial institutions must migrate fully from the legacy SWIFT MT messaging standard to the structured ISO 20022 MX format by November 22, 2026, missing the deadline means they risk cross-border payment failures and regulatory non-compliance. The article gives a practical 12-month checklist including system upgrades, data enrichment (like Legal Entity Identifiers and Purpose Codes), testing protocols, and team training to ensure a smooth transition and continued payment flow under the new standard.
How Authorities Are Implementing Stringent KYC Requirements and Transaction Monitoring: Impact on Financial Institutions
Explore the rising trend of stringent KYC requirements and transaction monitoring. Understand the implications for businesses and stay compliant. Read more.
Understanding Stablecoins: A Guide to Their Role in Crypto Markets in 2026
The post explains how stablecoins act as a vital bridge between traditional finance and crypto markets by providing a stable digital currency that supports trading, cross-border payments and business operations under evolving global regulation.
Top Strategies for Effective Anti Money Laundering Compliance
Effective AML compliance depends on strong KYC, CDD, and SAR systems supported by advanced technology like AI and analytics. These tools help financial institutions detect, monitor, and report suspicious activity faster, reducing risk and ensuring global regulatory alignment.
Understanding Layering, Smurfing, and Phantom Transactions in Money Laundering
Money laundering often uses layering, smurfing, and phantom transactions to disguise illegal funds through complex transfers, structured deposits, and fake business activity. Financial institutions combat these tactics with strict KYC rules, advanced detection tools, and continuous monitoring to protect the financial system.
How to Make the AML Department More Effective: An In-Depth Approach for Financial Institutions
The article explains how financial institutions can transform AML departments from compliance-driven units into risk-based, data-informed programs that reduce money laundering threats, improve detection accuracy, and optimize operational efficiency through better technology, training, and performance measurement.
Incident Reporting for AML Systems: Ensuring Compliance and Effective Risk Management
Financial institutions need automated, AI-enabled incident reporting to meet strict global regulations and timelines, reduce operational risk and costly fines, and shift from reactive to predictive compliance.
How to Ensure Compliance Under Regulation EU 2023 1113: Complete Implementation Guide
The article provides a detailed implementation roadmap to help financial and crypto service providers comply with EU Regulation 2023/1113 by establishing robust policies, real-time monitoring, wallet verification procedures, and reporting mechanisms before its December 2024 effective date.
EU Sanctions List: Complete Guide to Understanding and Using the European Union’s Consolidated Financial Sanctions Database
The article explains how to use the EU’s consolidated financial sanctions database for compliance, covering list structure, access methods, integration strategies, screening rules, and best practices to avoid common pitfalls.
AML Software: A Comprehensive Guide to Anti-Money Laundering Solutions for Financial Institution
The article offers a thorough guide to choosing, deploying, and optimizing AML software—explaining key features, vendor evaluation, implementation steps, and performance metrics to help financial institutions strengthen detection, reduce false positives, and maintain compliance.
AML Technology: Complete Guide to Anti-Money Laundering Solutions in 2025
This article is a forward-looking guide on AML technology in 2025, detailing core categories (transaction monitoring, KYC, case management, sanctions screening), integration strategies, vendor selection, implementation steps, performance metrics, and emerging trends to help institutions build efficient, risk-based compliance systems.
Effective PEP and Sanctions Screening: A Quick Guide to Streamline Your AML Compliance
Discover why PEP and sanctions screening are crucial for effective compliance management. Learn how to safeguard your organization. Read the article now.
Money Laundering Reporting: Complete Guide to Suspicious Activity Reports and Compliance UK Guide
Learn the key money laundering reporting requirements and ensure compliance. Stay informed and safeguard your organization. Read the full guide now.
Enhanced Due Diligence (EDD): Complete Guide to High-Risk Customer Screening
Learn how EDD helps financial institutions screen high-risk customers, stay compliant, and prevent financial crime with risk-based checks, continuous monitoring, and smarter automation.
Transaction Monitoring: A Complete Guide to Financial Crime Detection and AML Compliance
Discover how financial institutions detect suspicious activity and stay AML-compliant. This guide covers key concepts, AI vs. rule-based systems, step-by-step implementation, and common pitfalls—helping teams cut false positives and prevent financial crime effectively.
The Role of AI in Money Laundering Detection
Explore how AI enhances money laundering detection with innovative techniques and insights. Read the article to understand its impact on financial security.