FRAUD PREVENTION & AML COMPLIANCE
management, business intelligence( BI), audit trails and testing environments to support long-term resilience.
Ultimately, organisations should choose a platform that unifies data, decisions and governance across their entire customer journey, empowering them to prevent more financial crime with less friction and lower operational cost.
NOTO aligns directly with these principles, helping institutions turn this EFM playbook into measurable, day-to-day results.
Q. WHICH EMERGING FINANCIAL CRIME TRENDS ARE TRADITIONAL PREVENTION METHODS FAILING TO ADDRESS?
» The financial crime landscape is evolving faster than traditional prevention methods can keep up, and several emerging trends are exposing the limitations of legacy systems.
The most significant shift is happening upstream in the customer journey. With the rise of instant and accountto-account payments, fraudsters are moving earlier, using social engineering, beneficiary manipulation and authorised push payment( APP) scams to trick customers long before a transaction even occurs.
Conventional rule engines, focused solely on transactional signals, simply cannot capture intent, behavioural anomalies or cross-journey risk.
Another fast-growing threat is the proliferation of mule networks and synthetic identities.
These actors behave“ cleanly” for months before activation, making them nearly invisible to static rules or siloed monitoring tools. Traditional systems that treat each account, transaction or channel in isolation cannot identify the relational patterns that expose co-ordinated fraud.
Fragmented architectures inside most financial institutions compound these challenges.
Fraud and AML teams still operate on separate systems, each with its own data pipelines, case management tools and decision logic. This fragmentation leads to duplicate integrations, blind spots, conflicting decisions and high operational costs, all of which slow response times at a time when speed is critical.
This is the problem NOTO set out to solve. We built a single EFM platform that ingests data once, unifies fraud and AML decisioning and applies rules, graph analytics, network intelligence and machine learning across the entire customer journey.
Native entity resolution surfaces mule networks and counter-party risk, policy-as-code enables rapid iteration, and shared data and workflows break down organisational silos.
Our clients see measurable uplifts including fewer false positives, faster detection of mule activity, reduced manual reviews, higher legitimate approval rates and dramatically lower vendor and data centre costs.
NOTO was built for today’ s world: instant, interconnected, adversarial and rapidly evolving.
100 February 2026