Using AI in AML, Safely: A Practical Blueprint

From pilots to production

AI can reduce false positives and accelerate investigations, but only with tight governance.
This blueprint covers safe adoption that examiners can understand.

Governance anchors

  • Use‑case inventory: classify ML vs. GenAI vs. rules.
  • Model cards: document data sources, features, risks, KPIs.
  • Human‑in‑the‑loop: retain accountable decisions for SAR filing.
  • Drift monitoring: alert on population and performance shifts.
  • Privacy by design: avoid sending PII to external LLMs.

Quick wins

  • GenAI for narrative drafts using case metadata (never raw PII).
  • Entity resolution models to cut duplicate alerts.
  • Risk‑based alert triage using historical outcomes.

Examiner‑ready: link every AI control to an existing policy requirement, keep
challenge models, and log overrides with reasons.

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