Why Technology Alone Is Not Enough

Advanced monitoring systems generate alerts, but humans decide how to act on them. Regulators frequently cite failures caused by:

• Poor judgement
• Inconsistent escalation
• Weak oversight
• Inadequate training

These are capability gaps, not software failures.

The Importance of Practitioner Judgement

Financial crime roles require nuanced decision-making under pressure. Analysts and investigators must assess incomplete information, identify risk patterns, and justify outcomes.

Training must focus on real-world scenarios, not just policies.

Building Role-Specific Capability

Effective financial crime frameworks develop skills by role:

• Analysts: alert analysis and typology recognition
• Investigators: evidence evaluation and reporting
• Managers: quality assurance and escalation decisions
• Leaders: governance and risk appetite oversight

Targeted learning improves consistency and confidence.

Producing Evidence Regulators Expect

Modern regulators expect proof of effectiveness. Strong programmes generate:

• Decision rationales
• Consistent documentation
• Performance metrics
• Clear audit trails

This turns training into a measurable control.

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