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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The National Bank of Ukraine (NBU) has amended the plan of on-site inspections on financial monitoring, compliance with currency and sanctions legislation for 2024, the regulator’s website reports.
Lombard Finance PE with the participation of ITM Market LLC and I-Company LLC was excluded from the plan of on-site inspections due to the revocation of the license to operate and Inter-Realty PE and Company was included.
According to the plan, on-site inspections of banks are scheduled for 2024: in the first quarter – JSC CB PrivatBank, JSC RVS Bank, in the second quarter – JSC OTP Bank, JSC Bank Credit Dnipro, in the third quarter – JSC Crystalbank, JSC JSB Radabank, in the fourth quarter – PJSC Bank Vostok.
Non-banking institutions: in the first quarter – FC Mont Blanc Finance LLC, FC Wei For Pei LLC, in the second quarter – Lombard Doncredit LLC Inter Realty and Company, OTP Leasing LLC, in the third quarter – Nadezhda Insurance Company, NovaPay LLC, in the fourth quarter – Credit Union, Avance Credit LLC, Ultra Alliance Insurance Company.
The report emphasizes that the plan of on-site inspections was drawn up on the basis of a risk-oriented approach, including taking into account the results of the risk assessment of banks and non-bank institutions.
