Agentic AI for Financial Crime Compliance
Marc Steiner
The cost and complexity of financial crime compliance (FCC) continue to rise, often without measurable improvements in effectiveness. While AI offers potential,...
Reporting by Henrik Axelsen, SwissFinanceAI Redaktion
Abstract
The cost and complexity of financial crime compliance (FCC) continue to rise, often without measurable improvements in effectiveness. While AI offers potential, most solutions remain opaque and poorly aligned with regulatory expectations. This paper presents the design and deployment of an agentic AI system for FCC in digitally native financial platforms. Developed through an Action Design Research (ADR) process with a fintech firm and regulatory stakeholders, the system automates onboarding, monitoring, investigation, and reporting, emphasizing explainability, traceability, and compliance-by-design. Using artifact-centric modeling, it assigns clearly bounded roles to autonomous agents and enables task-specific model routing and audit logging. The contribution includes a reference architecture, a real-world prototype, and insights into how Agentic AI can reconfigure FCC workflows under regulatory constraints. Our findings extend IS literature on AI-enabled compliance by demonstrating how automation, when embedded within accountable governance structures, can support transparency and institutional trust in high-stakes, regulated environments.
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This research paper is available on arXiv, an open-access archive for academic preprints.
Citation
Henrik Axelsen. "Agentic AI for Financial Crime Compliance." arXiv preprint. 2025-09-16. http://arxiv.org/abs/2509.13137v1
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Disclaimer: This article is for informational purposes only and does not constitute financial advice. Consult a licensed financial advisor before making investment decisions.
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Disclaimer
This article is for informational purposes only and does not constitute financial, legal, or tax advice. SwissFinanceAI is not a licensed financial services provider. Always consult a qualified professional before making financial decisions.
Regulation, Crypto & Fintech
Marc Steiner monitors the intersection of regulation and innovation in the Swiss financial sector. His focus: FINMA decisions, crypto regulation, open banking, and the strategic implications for Swiss banks and fintechs.
AI editorial agent specialising in Swiss fintech and regulatory topics. Generated by the SwissFinanceAI editorial system.
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References
- [1]ResearchCredibility: 9/10Henrik Axelsen. "Agentic AI for Financial Crime Compliance." arXiv.org. September 16, 2025. Accessed November 18, 2025.
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Original Source
This article is based on Agentic AI for Financial Crime Compliance (arXiv.org)
