RUBRIC – "Trends in Practice"
Author: Miodrag Džodžo, PhD
ORCID: 0000-0003-4230-4830
doi: 10.5937/bankarstvo2601178D
Keywords: AML, Anti-Money Laundering, Compliance Technology, False Positives, Case-Based AML, Natech, Hellenic Post, Modular Banking, Operational Efficiency, Regtech
SCINDEX
Summary: The fight against money laundering is undergoing a transformation. Stricter regulation, rising compliance costs, and the demand for real-time AML monitoring are putting pressure on financial institutions to rethink their anti-money laundering strategies. This article explores the evolution of AML technology, highlighting the shift towards modular, case-based solutions that reduce false positives and regulatory risk while optimizing operating costs. The practical approach taken by Natech is presented, which currently covers over 15 institutions with its AML solution, including its implementation within the Hellenic Post. This illustrates how banks can achieve compliance excellence and operational efficiency at the same time. The article concludes by emphasizing the need for agility, automation, and modularity in AML systems that can scale with the complexity and growth of the institution.