Resources
Sharing ideas and best practices around financial crime detection and risk management
White Papers
AMLA: Preparing for the New Era of EU Supervision
The creation of the European Anti-Money Laundering Authority (AMLA) marks one of the most significant regulatory shifts in recent history. Designed to unify oversight and raise compliance standards across all EU member states, AMLA will transform how financial institutions manage financial crime risk. This whitepaper, AMLA: Preparing for the New Era of EU Supervision, explains […]
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Smarter Compliance for Fintech Growth – Part Two
Building on the case for smarter compliance, Part 2 shifts from the “why” to the “how.” It explores advanced implementation models, governance best practices, and scaling approaches that allow fintechs to thrive under intensifying AML and FCC expectations. With AI at the detection layer, fintechs can turn compliance from a regulatory burden into a growth […]
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Smarter Compliance for Fintech Growth – Part One
U.S. fintechs have become key players in the financial ecosystem, but rapid innovation now comes with tougher scrutiny. Regulators such as FinCEN, the OCC, and state agencies are applying bank-grade AML and FCC oversight, holding fintechs accountable to the same standards as traditional institutions. Enforcement actions against Block (Cash App), Wise US, and OKX highlight […]
Read more
A Turning Point in EU Anti–Money Laundering Regulation
The EU AML Package marks the biggest shift in decades, introducing AMLA, the directly applicable AMLR, and stricter UBO verification. Financial institutions now face harmonized rules, faster reporting deadlines, and tougher oversight—making AI-driven compliance essential to stay resilient and audit-ready
Read more
Preparing for a New Era of AML Oversight
Global regulators are tightening AML standards, pushing financial institutions to move beyond outdated, rule-based systems. Discover how AI-driven compliance can reduce risk, cut costs, and keep you audit-ready in this new era of oversight.
Read more
Building Trust Through Explainability in Screening: A Model Risk Management Perspective
Discover why explainability is now a compliance must-have. This whitepaper reveals how financial institutions can meet rising regulatory demands with transparent, adjustable, and audit-ready screening—turning trust into a competitive advantage.
Read more
From Bottlenecks to Breakthroughs: Optimizing AML/CFT Compliance with Cognitive AI — Without Ripping-and-Replacing
U.S. banks are stuck between rising regulatory expectations and outdated systems. This whitepaper reveals a smarter path forward: how Cognitive AI can optimize AML compliance without the cost or disruption of ripping and replacing existing infrastructure. Learn how to reduce false positives, improve SAR quality, and achieve regulatory-grade explainability—fast.
Read more
How PSPs Can Future-Proof Screening with Operationally Intelligent Technology
The EBA’s new sanctions screening guidelines are shaking up how EU-regulated institutions manage compliance. Static rules and siloed systems are out—dynamic, auditable, AI-powered platforms are in. With the 2025 deadline fast approaching, this whitepaper offers a strategic playbook for PSPs, banks, and fintechs to not only meet regulatory expectations but turn them into a competitive […]
Read more
2025 Customer Due Diligence Guide – Smarter CDD with Cognitive AI
Traditional Customer Due Diligence (CDD) methods struggle to keep pace with today’s fast-moving regulatory and risk landscape. Manual processes are not only slow and error-prone, but also leave institutions exposed to outdated data and missed red flags. Cognitive AI offers a smarter, scalable alternative—automating CDD updates, learning from human input, and continuously adapting to evolving […]
Read more
Transforming AML Compliance with AI. From rule-based to risk-based approach
Smarter Risk, Stronger Growth Traditional rule-based monitoring is broken—overwhelmed by false positives, blind to emerging threats, and too rigid to keep up. This whitepaper reveals why leading institutions are replacing rules with risk, turning compliance into a growth engine. What’s Inside This Whitepaper?Discover how AI-powered transaction monitoring enables institutions to: • Reduce false […]
Read more
Identifying and Avoiding Blind Spots in Screening Systems
Compliance gaps in AML screening can escalate fast—triggering fines, bottlenecks, and reputational damage.With regulatory scrutiny at an all-time high, financial institutions must move beyond static systems. Proactive watchlist screening and rigorous testing are essential to stay ahead of emerging risks. What You’ll Gain From This GuideThis playbook gives compliance teams a clear framework to […]
Read more
Optimizing Compliance Excellence
In today’s fast-moving financial landscape, compliance failures in AML screening can lead to serious consequences – regulatory penalties, operational bottlenecks, and reputational damage. As financial institutions face mounting pressure from regulators, the need for reliable, intelligent screening systems and continuous testing has never been greater. What’s Inside This Whitepaper? This expert guide outlines a […]
Read more
eBook
The ThetaRay U.S. Banking & Fintech Trust Report 2025
The ThetaRay U.S. Banking & Fintech Trust Report 2025 is a research report that examines how consumers perceive financial crime risk and its impact on brand loyalty and trust. The report finds that 84% of consumers would switch banks if theirs were linked to financial crimes, and 87% would actively warn friends and family. It […]
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Explainable AI as the Future of AML Compliance
Legacy AML tools and black-box AI can’t keep up with today’s regulatory scrutiny or sophisticated financial crime. This eBook shows how Explainable AI transforms compliance—delivering transparent, auditable decisions that reduce false positives, speed up investigations, and build regulator trust. You’ll learn: • Why explainability is now a regulatory requirement• How XAI cuts alert […]
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AI: The Future of Financial Crime Detection
In an era of real-time payments and AI-savvy criminals, legacy compliance systems can’t keep up. This eBook explores why financial institutions must evolve from outdated rule-based tools to AI-driven compliance strategies that detect emerging threats, reduce false positives, and scale with business needs. You’ll learn how AI enables smarter transaction monitoring, faster onboarding, and more […]
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Whitepapers
AMLA: Preparing for the New Era of EU Supervision
The creation of the European Anti-Money Laundering Authority (AMLA) marks one of the most significant regulatory shifts in recent history. Designed to unify oversight and raise compliance standards across all EU member states, AMLA will transform how financial institutions manage financial crime risk. This whitepaper, AMLA: Preparing for the New Era of EU Supervision, explains […]
Read more
Smarter Compliance for Fintech Growth – Part Two
Building on the case for smarter compliance, Part 2 shifts from the “why” to the “how.” It explores advanced implementation models, governance best practices, and scaling approaches that allow fintechs to thrive under intensifying AML and FCC expectations. With AI at the detection layer, fintechs can turn compliance from a regulatory burden into a growth […]
Read more
Smarter Compliance for Fintech Growth – Part One
U.S. fintechs have become key players in the financial ecosystem, but rapid innovation now comes with tougher scrutiny. Regulators such as FinCEN, the OCC, and state agencies are applying bank-grade AML and FCC oversight, holding fintechs accountable to the same standards as traditional institutions. Enforcement actions against Block (Cash App), Wise US, and OKX highlight […]
Read more
A Turning Point in EU Anti–Money Laundering Regulation
The EU AML Package marks the biggest shift in decades, introducing AMLA, the directly applicable AMLR, and stricter UBO verification. Financial institutions now face harmonized rules, faster reporting deadlines, and tougher oversight—making AI-driven compliance essential to stay resilient and audit-ready
Read more
Preparing for a New Era of AML Oversight
Global regulators are tightening AML standards, pushing financial institutions to move beyond outdated, rule-based systems. Discover how AI-driven compliance can reduce risk, cut costs, and keep you audit-ready in this new era of oversight.
Read more
Building Trust Through Explainability in Screening: A Model Risk Management Perspective
Discover why explainability is now a compliance must-have. This whitepaper reveals how financial institutions can meet rising regulatory demands with transparent, adjustable, and audit-ready screening—turning trust into a competitive advantage.
Read more
From Bottlenecks to Breakthroughs: Optimizing AML/CFT Compliance with Cognitive AI — Without Ripping-and-Replacing
U.S. banks are stuck between rising regulatory expectations and outdated systems. This whitepaper reveals a smarter path forward: how Cognitive AI can optimize AML compliance without the cost or disruption of ripping and replacing existing infrastructure. Learn how to reduce false positives, improve SAR quality, and achieve regulatory-grade explainability—fast.
Read more
How PSPs Can Future-Proof Screening with Operationally Intelligent Technology
The EBA’s new sanctions screening guidelines are shaking up how EU-regulated institutions manage compliance. Static rules and siloed systems are out—dynamic, auditable, AI-powered platforms are in. With the 2025 deadline fast approaching, this whitepaper offers a strategic playbook for PSPs, banks, and fintechs to not only meet regulatory expectations but turn them into a competitive […]
Read more
2025 Customer Due Diligence Guide – Smarter CDD with Cognitive AI
Traditional Customer Due Diligence (CDD) methods struggle to keep pace with today’s fast-moving regulatory and risk landscape. Manual processes are not only slow and error-prone, but also leave institutions exposed to outdated data and missed red flags. Cognitive AI offers a smarter, scalable alternative—automating CDD updates, learning from human input, and continuously adapting to evolving […]
Read more
Transforming AML Compliance with AI. From rule-based to risk-based approach
Smarter Risk, Stronger Growth Traditional rule-based monitoring is broken—overwhelmed by false positives, blind to emerging threats, and too rigid to keep up. This whitepaper reveals why leading institutions are replacing rules with risk, turning compliance into a growth engine. What’s Inside This Whitepaper?Discover how AI-powered transaction monitoring enables institutions to: • Reduce false […]
Read more
Identifying and Avoiding Blind Spots in Screening Systems
Compliance gaps in AML screening can escalate fast—triggering fines, bottlenecks, and reputational damage.With regulatory scrutiny at an all-time high, financial institutions must move beyond static systems. Proactive watchlist screening and rigorous testing are essential to stay ahead of emerging risks. What You’ll Gain From This GuideThis playbook gives compliance teams a clear framework to […]
Read more
Optimizing Compliance Excellence
In today’s fast-moving financial landscape, compliance failures in AML screening can lead to serious consequences – regulatory penalties, operational bottlenecks, and reputational damage. As financial institutions face mounting pressure from regulators, the need for reliable, intelligent screening systems and continuous testing has never been greater. What’s Inside This Whitepaper? This expert guide outlines a […]
Read more
Infographics
What is PS24/17?
On 29 November 2024, the UK FCA released Policy Statement PS24/17, reshaping its Financial Crime Guide. The new approach insists fintechs balance financial inclusion with effective AML and CTF controls. No more blanket de-risking or black-box AI – firms must adopt proportionate, explainable, and well-governed systems. Thin-file and underserved customers cannot be excluded by default. […]
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Your Legacy System Is Costing You More Than You Think
Legacy compliance systems are putting U.S. banks at risk – operationally, financially, and reputationally. This infographic breaks down how false positives, rising costs, and outdated assumptions are holding banks back, and how ThetaRay’s Cognitive AI enables smarter alert prioritization, seamless integration, and scalable growth without disruption.
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Cognitive AI for Smarter Customer Onboarding
Legacy onboarding methods are slowing financial institutions down – exposing them to compliance gaps, money laundering risks, and customer frustration.This infographic shows how manual reviews and static rules fall short, and how ThetaRay’s Cognitive AI delivers real-time risk insights, faster approvals, and scalable growth without sacrificing compliance.
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Fact Sheets
One-pager
Webinars
Spayce and ThetaRay Webinar: Scaling Transaction Monitoring Operations
Scaling transaction monitoring as your fintech grows is no small feat, especially under mounting regulatory and investor scrutiny. In this 15-minute session, you’ll hear firsthand how Space Payments tackled this challenge using Cognitive AI, cutting false positives by 95% while keeping compliance lean and agile.
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Shift4 and ThetaRay Webinar: Cognitive AI in Transaction Monitoring
Is the lack of risk visibility in your organization preventing you from making informed decisions? This is for you! Gain actionable insights that can help you transform your transaction monitoring. Learn how Cognitive AI optimizes risk detection, accelerating investigations for faster, more effective and efficient results. Watch now.
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Product Videos
How Shift4 Increased Productive Alerts by 70%
Is the lack of risk visibility in your organization preventing you from making informed decisions? This is for you! Gain actionable insights that can help you transform your transaction monitoring. Discover how Cognitive AI enhances risk detection, streamlining investigations for faster, more effective, and efficient outcomes. Watch now.
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ThetaTalk
ThetaTalk Episode 6: How Generative AI is Changing AML and Compliance
How is Generative AI transforming the fight against financial crime? In this episode of ThetaTalk, Nitzan Solomon, SVP, Global Head of Product at ThetaRay, sits down with Tyler Pichach, Head of Banking Strategy, Worldwide Financial Services at Microsoft, for a powerful conversation on the future of AML and financial crime compliance. Learn how AI-powered innovation is redefining transaction monitoring, investigation workflows, and regulatory […]
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Cognitive AI
With compliance challenges increasing, is your financial crime detection strategy keeping pace? Join David Segev, Chief Scientist at ThetaRay, and Moran Wilf, Manager of Regulatory Affairs, as they explore how Cognitive AI is reshaping financial crime compliance. In this episode, they break down why traditional rule-based and conventional AI systems fall short—and how […]
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Case Studies
How AirPak Reduced Enhanced Due Diligence by 60% with ThetaRay’s Cognitive AI Customer Risk Assessment
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Clicksendnow uncovers major money laundering schemes
By implementing ThetaRay, Clicksendnow strengthened its ability to detect and report suspicious activity while ensuring compliance with the Reserve Bank of South Africa’s regulations.
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PMI leverages AI for better risk management
PMI Americas, a leading cross-border payments provider in Latin America, transformed its compliance operations by implementing ThetaRay’s AI-powered transaction monitoring. Facing challenges with legacy systems, false positives, and complex regulatory demands, PMI now detects risk in real time, reduces operational strain, and confidently scales into new markets—all while maintaining the highest standards of AML compliance.
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Clear.Bank reduces investigation times to minutes
ClearBank leverages ThetaRay for advanced AML solutions
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ThetaRay’s AI helps Onafriq shape future of payments in Africa
Onafriq boosts payment trust with ThetaRay AI compliance
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Novatti Group expands with ThetaRay AI-powered AML
Novatti Group expands with ThetaRay AI-powered AML
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Travelex partners with ThetaRay for high-speed monitoring
Travelex partners with ThetaRay for high-speed monitoring
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Testimonials
Clear.Bank reduces investigation times from months to minutes with AI
Clear.Bank scales globally with AI-driven complianceDiscover how ClearBank achieved 10x growth without compliance bottlenecks. In this short video, their leadership shares how ThetaRay’s AI-powered transaction monitoring delivers stronger risk coverage, fewer false positives, and faster investigations—enabling secure, scalable growth.
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Novatti Group opens new markets with ThetaRay AI-powered AML
Novatti Group’s Evangelia Pefkou shares how the company scaled from $500K to $2B in revenue and why manual risk management was no longer viable. By partnering with ThetaRay and implementing its AI-driven platform, Novatti strengthened its ability to detect financial crime and expand into 16 new high-risk jurisdictions with confidence.
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Travelex Bank Testimonial
In Brazil’s strict regulatory environment, Travelex Bank needed a powerful AML solution to scale safely. By implementing ThetaRay’s AI-powered platform, Travelex now screens 30,000 clients per minute, reduced false positives dramatically, and achieved rapid integration—all while supporting 30-40% business growth.
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Payoneer Testimonial with Micheal Sheehy, Chief Compliance Officer
Payoneer’s Chief Compliance Officer, Micheal Sheehy, shares why agility is essential when operating in 190+ countries. By partnering with ThetaRay, Payoneer leverages AI-powered transaction monitoring to detect financial crime, adapt faster to evolving risks, and support global growth without compromising compliance or customer experience.