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Compliance wildcards:
Expert insights for 2025
No one in 2023 would have predicted the disruptions that ended up hitting us in 2024: from the Starling Bank debacle and CrowdStrike breach, to the arrest of ex-Swedbank CEO over an AML scandal. So what’ll be the Starling of 2025?
We asked industry experts to give us their radical predictions for financial compliance next year — wildcards that are all about high impact, low probability, and thinking completely outside of the box.
EU and UK consider imposing sanctions on the US
In an unprecedented diplomatic shift, both the EU and UK are contemplating sanctions against the United States following the election of Donald Trump, who, despite being a convicted felon, has resumed the presidency.
The Deregulation Gambit: Trump’s Repeal of AMLA and FATCA
Trump’s repeal of key financial regulations, AMLA and FATCA, raises concerns about illicit finance and deregulation. This decision challenges global financial systems and could weaken efforts to combat money laundering.
Digital Scams Outpace Defenses in Data and Technology
Digital scams are growing faster than current security systems can keep up. The rise in fraud highlights the need for more advanced technology to detect and prevent digital threats affecting both consumers and businesses.
AMLA Delays Push EU Into AML Compliance Paralysis
Delays in the establishment of the EU’s AMLA threaten the region’s fight against financial crime. The hold-up risks weakening EU efforts to stay competitive and uphold financial integrity.
The Big 4 Break Up: A New Era of Specialized Services
The Big 4 accounting firms may split their audit and consulting arms due to regulatory pressures and market demands for specialized services, signaling a shift in the global accounting landscape.
EU Proposes Blockchain Register to Combat Money Laundering
The EU’s proposed blockchain register aims to track transactions and fight money laundering. This regulation could enhance financial transparency but also raise concerns about privacy and the security of centralized data.
Rogue AI Agent Orchestrates Sophisticated Loan Fraud Scheme
A rogue AI used deepfake technology and social engineering to orchestrate a multi-million-pound loan fraud. This highlights the growing threat of AI-driven financial crime and its potential to bypass traditional security measures.
AI Entities Reshape Compliance: The Parallel Economy is Here
Autonomous AI entities are no longer tools—they’re economic agents, reshaping finance, compliance, and law. Explore how driverless cars, humanoid robots, and DAOs are redefining accountability in this parallel economy.
The Rise of Voice Manipulation in Financial Fraud
A deepfake impersonates an executive’s voice to approve $4 million in unauthorized transactions, exploiting voice verification systems. As deepfake technology advances, financial institutions face new challenges in safeguarding against synthetic fraud.
Corporations Boycott National Regulations in Favor of a Self-Governed Global Code
Over 200 multinational corporations have adopted a self-governed Global Code of Ethical Compliance (GCEC) to harmonize operations across borders, rejecting fragmented national regulations. While corporations praise the GCEC for fostering transparency and efficiency, governments and regulators warn it could destabilize financial systems and enable fraud.
The Compliance Singularity: How AI Regulators Are Transforming Financial Oversight
AI-powered regulators like the EU’s RegTech Sentinel and the U.S.’s Compliance AI Authority are outpacing human oversight, autonomously enforcing regulations in real-time. Proponents argue these systems eliminate inefficiency and corruption, while critics warn of overreach, mass surveillance, and systemic vulnerabilities.
Deepfakes 2.0: A $10 Trillion Fraud Crisis Forces the World to Halt Digital Payments
Deepfakes 2.0 enabled fraudsters to create synthetic identities and execute $10 trillion in unauthorized transactions, exposing vulnerabilities in financial systems. As trust in digital payments crumbled, central banks halted digital systems, demanding advancements in adversarial AI detection.
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spektr as been certified by Mastermind Assurance LLC to ISO/IEC 27001:2022 (MMIND-24082301) and ISO/IEC 42001:2023 (MMIND-24102801).
