The blind spots, the typologies, and what effective monitoring programs do differently.
Nine alerts in ten from legacy transaction monitoring systems in Latin America go nowhere. The analysts chasing them are the same people responsible for catching the real fraudsters, and US$160 billion a year in laundering keeps moving while they do.
Compliance budgets across the region kept rising for 97% of institutions, and effectiveness, per the Basel AML Index, stayed below the global average. Real-time rails like Pix and SPEI move money in seconds while batch compliance processes run hours behind. A user who cleared every check at onboarding can spend months cycling funds through a mule network before a static rule catches up, if at all.
Learn how LATAM-specific transaction monitoring challenges can be addressed reliably—with both Sumsub and Intexus paving the way with the right tools for the job.
What you'll learn:
- Why LATAM creates monitoring challenges that generic global tools aren't built for, from hybrid cash-digital economies to mobile-first fraud patterns found nowhere else in the world
- Where the operational failures actually live: legacy alert fatigue, disconnected KYC and Transaction Monitoring, and the architectural race conditions that real-time rails expose
- What regional typologies look like in practice: mule networks, digital smurfing, synthetic identity fraud, first-party scams, and crypto layering, each with the behavioral tells that rules-based systems may miss
- What mature monitoring programs do differently, and a maturity model institutions can use to assess where they sit today
- Two anonymized case studies with metrics: one on slashing alert fatigue, one on dismantling a cross-border mule network in real time
This report is for:
CCOs, MLROs, heads of financial crime and fraud, and risk and product directors at banks, fintechs, crypto platforms, and wallet ecosystems operating in or expanding into Latin American markets.
