The FRAML Convergence: Unifying Fraud and AML Monitoring

Shufti October 20, 2026 7 minute read

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What the session covers

Fraud and AML were built as two functions with two clocks. Fraud stops a loss in seconds. AML reports to the state and works retrospectively.

Instant settlement closed the gap between them. The account that received a scam payment is a fraud case and a laundering case at the same moment, on the same customer record, in two systems that do not talk to each other.

Shufti and AML Certification Centre host a 60-minute practitioner panel on where the signal is lost between onboarding, authentication and ongoing monitoring, what the regulatory floor already requires, and how firms are bringing fraud and AML together across systems and teams.

Four Self-Assessment Questions

The hour closes on four questions you can put to your own fraud and AML teams the next morning.

How do you link a transaction back to the customer you verified at onboarding, and where does that link break?

Do your fraud and AML teams work from one typology list or two?

Can an examiner follow a single record from alert to filing, whoever worked the case?

When a typology shifts, how long does it take you to change a rule and test it, and who signs it off?

Why does this matter?

Instant settlement has narrowed the window retrospective monitoring relied on

Instant settlement removed the overnight window that retrospective monitoring was built around.

Important risk signals can get lost across the customer lifecycle

A fraud signal caught at onboarding rarely reaches the analyst reviewing the same account three weeks later.

Regulatory expectations increasingly require stronger coordination

Verification of Payee has been mandatory for euro area PSPs since 9 October 2025, the UK has made both ends of a payment liable, and the AMLR applies from 10 July 2027. None of these land inside one function.

Disconnected systems increase the pressure on investigation teams

When a typology shifts, changing the detection logic takes an engineering cycle the fraud does not wait for.

Reserve your spot

Time15:00 CET

Date28th October 2026

Event FormatVirtual

Certifications

Independently audited and certified for enterprise-grade security and data protection.

Frequently Asked Questions

What does the session covers?

Five parts across the hour. Why running fraud and AML separately has stopped working, how APP fraud behaves on an instant payment rail, the technical requirements for bringing the two together, how firms are structuring a unified risk team, and ten minutes of live questions.

How do I get the certificate of attendance?

Join at least 80 per cent of the live hour and complete the feedback form afterwards. AML Certification Centre issues the certificate.

Which regulations will the panel cover?

Verification of Payee, mandatory for euro area PSPs since 9 October 2025. The UK reimbursement rules that made both ends of a payment liable, and the evaluation the Payment Systems Regulator published in July 2026. The AMLR, which applies from 10 July 2027. PSD3 and the PSR were politically agreed in November 2025 and the final texts endorsed in April 2026, and neither applies yet, so the panel treats them as a planning item.

Is there a cost to attend?

No. The session is free, and so is the certificate.

What time is the session where I am?

15:00 CET, which is 14:00 GMT, 16:00 EEST and 09:00 ET. The session runs 60 minutes including live questions.