Ravi Lahoti joins as our AML consulting partner. Learn more
We are proud to welcome Ravi Lahoti, former Principal Officer & Head of AML, HDFC Bank, as our consulting partner for AML. Check out more
When 95% of AML Alerts Are Noise, Real Crime Wins
The Challenge
India's UPI network now clears over 640 million transactions daily — and legacy rule-based AML engines were never built for this. Tier-1 banks are drowning in false positives, with some institutions flagging suspicious rates above 95%. The deeper crisis is structural: compliance analysts spend up to 85% of their time manually reconciling data across fragmented systems, leaving almost no bandwidth to investigate actual financial crime. The alert has become the bottleneck.
The Impact
When AML operations are modernised, the numbers speak for themselves: false positives drop by half, reconciliation effort falls by 65%, and alert turnaround improves by 50%. Analysts shift from data gathering to genuine investigation. And critically — SAR ratio integrity holds. Efficiency and compliance quality are not a trade-off. They move together.