Financial monitoring is transforming from a formal regulatory obligation into a full-fledged business function, and manual AML processes create operational and reputational risks for companies, while automation allows embedding risk management into the digital business architecture, according to Oksana Gubina, CEO of AML.point.
According to her assessment, the growth in transaction volumes, increasing complexity of financial products and strengthening regulatory requirements increase the risks of using fragmented systems and so-called “Excel-AML”, increasing dependence on the human factor and the likelihood of errors.
Gubina notes that automation in AML should not mean speeding up individual checks, but rather integrating financial monitoring into core systems and building a unified customer profile that allows a shift to proactive, data-driven risk management.
She also pointed to a shift from a product-centric to a client-centric approach in AML, as risk is linked to the profile and behavior of a client who may be using multiple products at the same time.
According to the author, customer-centric financial monitoring is scheduled to be discussed in more detail on February 18, 2026 at IFC Bankir’s Banking Forum: DIGITAL TRENDS 2026 conference, where she will be a speaker.
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