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Risk-Based AML in the Age of AI
Compliance is broken. False positives overwhelm teams, innovation outpaces controls, and firms are still punished for frameworks that look good on paper but fail in practice.
Beyond False Positives is a definitive guide for leaders who refuse to choose between growth and compliance.
Drawing on over two decades of real-world experience across legal, risk and financial crime, Bisi Giwa shows how to redesign AML and compliance for a world shaped by AI, fintech, Web3 and accelerating regulation. This book moves beyond theory to show how risk-based, intelligence-led compliance actually works in practice.
◆ Replace fear-based compliance with a practical, data-driven Risk-Based Approach
◆ Reduce false positives while improving detection and regulatory outcomes
◆ Embed compliance into risk appetite, governance and daily decision-making
◆ Design AI-enabled AML frameworks that are explainable, auditable and scalable
◆ Strengthen operational resilience and protect critical services under stress
◆ Turn compliance from a cost centre into a strategic and commercial advantage
This book is not about ticking boxes. It is about building living compliance systems that adapt in real time, align with business strategy and earn regulator trust.
Written for compliance leaders, MLROs, risk managers, fintech founders, board members and regulators, Beyond False Positives provides playbooks, frameworks and reality checks that reflect how modern firms actually operate. If you are ready to move beyond static policies, manual controls and defensive compliance, this book shows you how to build AML that protects customers, enables innovation and supports sustainable growth.
Written for
Compliance leaders MLROs Risk managers Fintech founders Board members Regulators
About the Author
Bisi Giwa is a financial crime prevention expert with over two decades of experience across legal, risk and financial crime, and the driving force behind Kharis & Knoble. Her work focuses on helping organisations replace fear-based compliance with practical, risk-based frameworks that protect customers, satisfy regulators and support growth.
From the Page to Practice
The thinking in Beyond False Positives shapes how Kharis & Knoble works with clients. We help organisations turn its principles into frameworks, controls and outcomes.
Designing proportionate, risk-based AML and financial crime frameworks grounded in your business model and risk appetite.
Reducing false positives and improving the effectiveness of transaction monitoring, screening and customer risk management.
Helping firms adopt AI in AML with the governance, explainability and oversight regulators expect.
Coming Soon
Fighting Financial Crime in the Digital Age
A practical guide to financial crime prevention for Africa's fast growing digital financial ecosystem. Register your interest and be the first to know when it is released.
Register Your InterestCompliance is not a barrier. It is the key to sustainable business success.
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