In 2025, Moody’s published its “AML in 2025” report, which takes an in-depth look at how technology, global regulatory changes, and the growing complexity of financial crime are transforming the fight against money laundering. We reviewed this report and identified key takeaways that are crucial for banks, fintech companies, and everyone working in financial compliance.
Artificial Intelligence as the Core of Modern AML Strategies
Moody’s notes that artificial intelligence has moved beyond being an “experimental option” for compliance departments, it has become their central pillar. The reason is clear: the volume of transactions and the speed of capital movement have reached a point where manual reviews and outdated filters are no longer sufficient.
Machine learning algorithms can process billions of transactions, detect unusual links between counterparties, analyze client behavior, and instantly flag suspicious changes. At the same time, AI ethics and transparency are in the spotlight: regulators increasingly require algorithms to be explainable and auditable. The era of “black box” systems is ending, financial institutions must be able to clearly demonstrate why a system made a particular decision.
Takeaway: in 2025, the competitiveness of a bank or fintech project will directly depend on how effectively AI is integrated into AML processes and how transparently it operates.
Perpetual KYC and Real-Time Monitoring
Another key trend is the shift from periodic customer data updates to perpetual KYC is continuous monitoring. In the past, customer profiles were reviewed every one to three years; now updates are ongoing.
This is essential because a client’s risk profile can change within days: a new job, starting a business, or large transactions. The faster an organization can detect these changes, the better its chances of preventing incidents instead of reacting after the fact.
Moody’s emphasizes that implementing perpetual KYC requires not just technology, but also a transformation of internal processes. Integrating data sources, building automated response workflows, and preparing teams to operate in a state of constant readiness.
Global Regulation: Convergence of Standards and New Risk Zones
The Moody’s report reviews regional AML requirements and highlights a clear trend toward the convergence of standards.
- EU: 6AMLD strengthens requirements for beneficial ownership transparency and cross-border coordination.
- UK: Focus on cryptocurrency regulation and sanctions lists.
- US: Expansion of the Corporate Transparency Act and greater control over ultimate beneficial owners.
- APAC (Australia, Singapore, Japan): Alignment with FATF standards, with increased attention to DeFi and cross-border transactions.
Cross-border transactions remain the highest-risk area. Ignoring international requirements can result not only in fines but also in a complete suspension of operations.
Moody’s underscores that AML in 2025 is no longer a “regulatory checkbox” but a full-fledged component of competitive strategy, combining technology, legal expertise, and proactive risk management. The leaders will be those who implement AI and perpetual KYC while maintaining transparency and compliance with international standards.
At Ruta, we build secure, scalable fintech platforms with built-in AML and KYC automation — from real-time screening and perpetual KYC to risk intelligence and blockchain monitoring. Our solutions help financial institutions meet global standards, boost efficiency, and stay ahead of emerging threats. Let’s work together to strengthen your compliance framework and future-proof your business. Contact us today to start the conversation.
