How AI enhances the detection of atypical behavior in fraud and money laundering:

Today, most transaction monitoring systems still rely on essentially static approaches. They trigger alerts as soon as a threshold is crossed or a known scenario materializes.

But with fraud and money laundering techniques evolving rapidly, this approach has its limitations. It often picks up weak signals too late and overloads teams with a high volume of false positives.

Artificial intelligence opens up a new perspective: the ability to analyze transactional behavior in detail to identify subtle deviations, detect emerging patterns, and ultimately anticipate rather than simply observe.

This is not just a matter of adding another tool to the compliance officer's arsenal. It is an evolution that transforms our ability to control risk, engage with regulators on a more robust basis, and allocate our resources where they are really needed.

During this conference, we will see how these technologies can be integrated into existing systems, in a pragmatic and progressive manner, to enhance the detection of atypical behavior.

Philippe Heydarian is the founder of Onebird, a consulting firm specializing in assisting fintech companies and banking groups with their financial crime prevention measures. A graduate of the École nationale d'administration (ENA), his experience combines strategic consulting, operational management, and in-depth knowledge of regulatory expectations. He also works on experimenting with artificial intelligence models applied to fraud and money laundering detection, in collaboration with organizations specializing in fundamental AI research.

Arnaud Schwartz is CEO and co-founder of Marble, a real-time fraud and compliance management solution. A graduate of ESSEC Business School, he previously served as Chief Operating Officer at Shine. His career combines operational expertise, product vision, and the ability to deploy technological solutions for compliance and fraud risk management.