Automated AML Systems, False Positives, and the Risk of Institutional Disproportion: A Structural Assessment for the U.S. Financial System
This report examines the evolution of Anti-Money Laundering (AML) systems in the United States, tracing the transition from manual controls to algorithmic methods and the resulting systemic risks. It focuses on the issue of false positives, which leads to “defensive compliance,” information overload for regulators, and a shift in institutional proportionality within the financial architecture
Citation Rules
- Mandatory source attribution. When using ARGA Observatory materials, the full name must be cited.
- Date and version indication. For analytical reports, the year of publication is mandatory.
- Link to the original. Electronic materials must be accompanied by an active link to the official website.
- Context preservation. Citations must not be shortened or altered in a way that distorts the original meaning.
- Note on adaptation. If the text is abridged or translated, state: "adapted from ARGA Observatory report".
- No commercial use without written permission from the organization.
- Data accuracy preservation. Charts and tables must be reproduced without changes.