Description

Intelligence-Led and Technology-Driven Anti-Money Laundering: Centralisation, Data, and Regulatory Oversight

Anti-money laundering (AML) regulation has evolved into one of the most expansive and intrusive compliance regimes within global financial governance. Over the past three decades, AML frameworks have undergone continuous legislative expansion, institutional reform, and technological enhancement, particularly within advanced financial centres such as the United Kingdom. Yet, despite this sustained regulatory intensification, large-scale money laundering remains endemic within the City of London and its interconnected offshore jurisdictions. As demonstrated in Benjamin’s doctoral research, the persistence of illicit financial flows is not indicative of regulatory absence, but rather of systemic structural weaknesses embedded within contemporary AML architectures