A new global study led by Datos Insights and commissioned by SAS explores how financial institutions are bringing fraud and anti-money laundering (AML) closer together – and what’s standing in the way.
Based on responses from 165 banking leaders around the world, the research looks at the state of fraud and AML convergence (FRAML) today, what’s driving change and where institutions are investing to get a more complete view of financial crime risk.
Obstacles to greater fraud and AML alignment
88% of respondents say organizational silos and separate reporting lines are the primary or major barrier to alignment between fraud and AML.
73% say technology limitations are the primary or major barrier.
How significant a barrier is each of the following to greater alignment between fraud and AML? Respondents reporting ‘Primary’ or ‘Major’ barrier
Source: Datos Insights Survey of 165 fraud and AML Compliance executives at global FIs on FRAML convergence Q3 2026
Which consequences has your institution experienced because fraud and AML operate separately or are not fully aligned? Select all that apply
Source: Datos Insights Survey of 165 fraud and AML Compliance executives at global FIs on FRAML convergence Q3 2026
Disconnected approaches have real consequences
86% of respondents report missed connections between fraud and money laundering.
81% of respondents report duplicate alerts or cases.
Fraud and AML functions are moving closer. But is it enough?
Model risk management or model governance remains the most siloed area for fraud and AML functions at 39%.
Customer data profiles are the most integrated at 62%.
For each of the following, how integrated are your fraud and AML functions today?
Source: Datos Insights Survey of 165 fraud and AML Compliance executives at global FIs on FRAML convergence Q3 2026
Disconnected approaches have real consequences
Explore the findings, challenges and priorities shaping the convergence of fraud and AML – and what they could mean for the future of financial crime prevention.
Continue exploring FRAML
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