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Today at Matrix, I partner with financial institutions to strengthen Financial Crime…
Artículos de Jessica
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Why financial institutions based in Africa should have robust compliance systems in place
Why financial institutions based in Africa should have robust compliance systems in place
Alfred Pobi, Key Account Manager at Accuity, presented on the challenges facing African banks and the importance of…
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What will 2017 hold for the world of payments?
What will 2017 hold for the world of payments?
Few would argue that the payments sector suffered or enjoyed – depending on the perspective – extreme levels of…
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Jessica Esteves, CAMS ha compartido estoFraud. Identity. Authentication. 3 teams, 3 systems, 3 views of the same customer. That was the message I heard most at #FeedzaiFusion, which Matrix was proud to co-sponsor. SEB, ABN AMRO and Lloyds are clear on where they want to be: one customer-risk view, one detection engine across every channel, with AML and fraud side by side. It's the conversation I'm having with banks across Europe right now: moving from silos to centralised processes and data, with AI on top to manage it all. The technology exists. The hard part is getting there: data mapping, operating model and people. That's where transformations succeed or stall. Get in touch Where is your organisation on that path? #FinancialCrime #FraudPrevention #AML #AI #Feedzai Matrix USA & Feedzai
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Jessica Esteves, CAMS ha compartido estoThe APP fraud wave! Nuno Sebastião set the tone at #FeedzaiFusion: an avalanche of APP fraud is heading our way, we can't afford to lose momentum and need to leverage AI to be able to respond to those attacks. 3 takeaways I'm bringing back to Madrid: 1️⃣ Fraud isn't a fraud-department problem. It's a whole-bank problem. 2️⃣ Identity and authentication are where trust starts. 3️⃣ Scammers target psychology, not systems. Our defences need to understand the customer too. AI makes detection faster. Joined-up teams make it work. Thank you #Feedzai for a sharp day and thanks to #MatrixUSA for co-sponsoring the event and allowing the teams to connect and discuss how we can make our joint customers' journey even better 👏 #APPFraud #FraudPrevention #FinancialCrime #AI
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Jessica Esteves, CAMS ha compartido estoA special day for all the Compliance Officers out there!Jessica Esteves, CAMS ha compartido estoToday is National Compliance Officer’s Day. For over two decades we've worked closely with compliance officers in financial institutions. We've seen the role grow more complex as regulations evolve and financial crime continues to change. Compliance teams help organizations manage risk, meet regulatory requirements, and uphold the integrity of the financial system. We recognize and thank the professionals whose expertise, judgment, and dedication help strengthen the financial system every day.
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Jessica Esteves, CAMS ha compartido estoFeedzai Fusion started strong! 🚀 Nuno Sebastião set the tone: 68% of banks are already using or piloting agentic AI. But a new era only begins when technology, adoption and trust align. We're building AI together and learning to trust it. As AI advances, so will AI-driven fraud, which is exactly why Feedzai is focused on staying ahead of it. That means making sure the technology works and fixing it fast when it doesn't. Proud that Matrix is partnering with Feedzai to help protect our clients against this evolving threat. #FeedzaiFusion #AI #FraudPrevention #FinancialCrime
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Jessica Esteves, CAMS ha compartido estoFraudsters operate on a global level — so do we. Matrix USA and Feedzai keep connecting across continents: Lisbon, São Paulo, Madrid, New York and now London. Same partnership, same mission, different city each time. I'll be at Feedzai Fusion London on September 23rd at Frameless, Marble Arch, joining banking, fintech and industry leaders for a day on customer-centric risk, human-focused operations and emerging fraud trends. Keynote from Tim Peake, plus voices from SEB, UK Finance and Monzo. Subscribe and come find me there — let's talk fraud, collaboration and what's next. You can check out the full agenda and secure your spot (link below). Pictures: Febraban Tech Brazil, Sao Paulo Nuno Moura Pires & Maria Carolina Rezemini Martins #FeedzaiFusion #FinancialCrime #FraudPrevention Link to event: https://lnkd.in/eNA4dm2a
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Jessica Esteves, CAMS ha compartido estoGreat milestone for the team! 🙌 Real-Time Rail is going to raise the bar on payment security expectations across Canada, and having RiskOps + Feedzai IQ Score embedded from day one with Peoples Group is exactly the kind of proactive move the market needs. Proud to see Matrix USA driving this integration — collaboration like this is what "safer money" actually looks like in practice.Jessica Esteves, CAMS ha compartido estoWe’re proud to partner with Peoples Group! 🙌 53% of Canadians say fraud concerns affect their shopping habits, and as Canada’s Real-Time Rail arrives later this year, bringing 24/7 instant payments to everyone, ensuring complete trust in payments is urgent. Peoples Group delivers critical infrastructure for Canada’s fintech and banking sectors, and we’re excited to bring our RiskOps suite – including the newly launched Feedzai IQ Score – into their core transaction framework. In addition, our close partner, Matrix USA, is managing the integration seamlessly, showing yet again how true collaboration between organizations is the way forward to secure always-on payment environments, prevent financial crime, and ultimately build a world of safer money 🌍 Read the full press release here: https://okt.to/jFuxpI #FinTech #FintechNews
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Jessica Esteves, CAMS ha compartido estoJessica Esteves, CAMS ha compartido estoLayering and the movement of funds across multiple accounts have long been used to conceal illicit activity. Today, #AI has amplified this risk, enabling transactions to be distributed across thousands of accounts, wallets, and borders at unprecedented speed. In this video, Amit Kabra shares perspective on building #FinancialCrime programs that are proactive, effective, and defensible.
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Jessica Esteves, CAMS ha compartido estoA trend we're seeing at Matrix USA across the industry right now that's worth talking about. 👇 AML, KYC, Fraud, and Case Management vendors are increasingly pushing their clients to make a move ... whether that's migrating from on-prem to the cloud, or upgrading to the latest version of their platform as older versions get sunset. It's happening across the board and it's creating some real decision points for banks and financial institutions of all sizes. The reality is, not every institution is in the same place. And not every institution is ready or willing to make a transformational leap overnight. Here's how we see it: ☁️ Moving to the Cloud The pros are real . scalability, reduced infrastructure burden, faster updates, and vendor-managed maintenance. But so are the challenges. Data residency concerns, integration complexity, retraining staff, and the sheer cost and timeline of migration are not small things. This is a major undertaking and needs to be treated like one. ⬆️ Upgrading to the Latest Version Staying on-prem but moving to a current version can be a smart middle ground for institutions not ready for the cloud. You get the benefit of continued vendor support, new functionality, and regulatory defensibility ; without the full cloud migration lift. Still a significant project, but often more manageable. 🔒 Staying Where You Are Some banks simply aren't ready to move , and that's okay. Many vendors will allow institutions to remain on older versions… for a price. Extended support agreements exist, and for some institutions the cost of staying put is far less disruptive than the cost of change. This is a legitimate strategy, not just kicking the can. The key is making the right decision for YOUR institution — not just the one the vendor is pushing. Here's where Matrix USA comes in. We are proud partners with many of the leading AML, KYC, Fraud, and Case Management vendors in the space. That means we can have an honest, vendor-neutral conversation with you about your options. What makes sense for your environment, your budget, and your timeline without an agenda to push you in any one direction. Whether you need support staying on your current platform, managing a version upgrade, or taking on a full cloud migration — we've done it across dozens of institutions and hundreds of projects. We know these platforms inside and out and we know how to help you make the right call. Facing one of these decisions? Let's talk. 👇 #AML #KYC #Fraud #CaseManagement #Compliance #CloudMigration #FinancialCrimes #BSA #Fintech #RiskManagement #BankTech
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Jessica Esteves, CAMS ha compartido estoWe're hiring a Regional Sales Director in London - territories (UK, Nordics, CEE) Link below, but here's the gist: 🎯 Hunter profile — you bring in the business, then manage the relationship. 🧠 You know AML, FCC, KYC, Fraud and AI systems — because we implement, test, and upgrade this stuff, and position our partner software vendors strategically when appropriate for the client. 💼 Bonus points if you know Fircosoft, SAS, ThetaRay, Nice Actimize, Feedzai, Oracle and the like. 🌍 English is a must. Another European language or Arabic is a big plus. The territory is huge, the opportunities endless — so you'll need to be strategic, focused, independent, and driven. Interested? Get in touch. Great opportunity, great people.Jessica Esteves, CAMS ha compartido estoWe’re hiring a Regional Sales Director! We’re growing across Europe and looking for a sales leader who knows financial services and is passionate about opening doors and building relationships with the region’s leading financial institutions. You’ll be joining a top 10 global integrator, working with banks, fintechs and payments companies to tackle some of their biggest challenges across financial crime, fraud, risk, AI and cybersecurity. 📍 UK or EU 🔗 Someone in your network might be looking for this opportunity so please share. If it's you apply here: https://loom.ly/cQkL4EE
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Ginny Follen thank you for all the hard work you guys put in there.
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Jessica Esteves, CAMS ha recomendado estoJessica Esteves, CAMS ha recomendado estoThe compliance officers role is changing. And my hot take is, that this might be one of the biggest changes happening in compliance right now. The traditional model was straight forward: Know the regulation. Interpret the requirements. Design the controls. Create a framework. Monitor compliance. Report the problems. But as (financial) criminals scale their operations with AI, companies can't simply sit and watch. The environment is far messier: You might need to understand: -Data and analytics -How data shapes the output and results -Digital products -Automation/Model risk/Geopolitical risk/cyber-enabled financial crime. And now, how AI can actually add an additional layer of risk to conduct financial crime. And at the same time, how AI can HELP to prevent it. But can the compliance officer explain the current technology well enough to challenge it? The compliance officer of the future is increasingly becoming a translator between regulation and technology, risk and business and data and decisions. And that significantly changes the skills we need to develop. Knowing how to apply all of this in a technology-driven world is becoming a key skill. #AMLTraining #ComplianceTraining #FinancialCrimeCompliance #AMLTransformation
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Jessica Esteves, CAMS ha reaccionado a estoJessica Esteves, CAMS ha reaccionado a estoI was honoured to deliver a session on “The Psychology of Conflict in Compliance” during MFxt Compliance Roundtable. Conflict in #compliance is often treated as a question of communication style. The more relevant issue is what happens to judgement when disagreement becomes consequential. De Dreu and Weingart’s distinction between task conflict and relationship conflict is useful here. A disagreement may begin around evidence, #regulatory interpretation, #control effectiveness or #risk acceptance. The dynamic changes once competence, #authority, status or professional identity become implicated. A challenge to a programme may then be experienced not only as a challenge to the programme, but also to those who designed, sponsored or defended it. A different regulatory interpretation may be perceived as a challenge to professional credibility. Barry Staw’s work helps explain why these situations become difficult. Once time, money, reputation or executive sponsorship have been invested in a decision, people may become more likely to defend it even when new evidence suggests reconsideration. The relevance to compliance is immediate: a programme repeatedly reported as “on track”, a strategic customer already approved, a control framework that absorbed significant investment, or a regulatory position already communicated. Changing course may then also mean acknowledging that an earlier assumption was wrong or that previous assurances were too optimistic. Threat-rigidity theory adds another dimension. Under perceived threat, information processing can narrow and familiar responses can gain weight. A serious regulatory finding or approaching deadline should increase openness to scrutiny, yet the same conditions can also increase defensiveness and attachment to existing positions. Amy Edmondson’s work on psychological safety is equally relevant: “We may have assessed this incorrectly.” “The evidence does not support closure.” “We should revisit what we have already communicated.” If the perceived professional or reputational cost of saying those things is too high, silence can easily be mistaken for alignment. Power asymmetry complicates the picture further. Hierarchy, expertise, commercial influence, access to decision-makers and regulatory accountability are rarely concentrated in the same place. The person with the strongest technical understanding may not hold the formal #authority to decide, while the decision-maker may depend on information controlled elsewhere. Van Kleef’s work shows how emotional expression influences reciprocal behaviour. Defensiveness can produce stronger challenge; stronger challenge can reinforce defensiveness, even when the underlying regulatory facts have not changed. Taken together, #ConflictManagement in compliance is ultimately about protecting decision quality through better decision architecture. That is where #BehaviouralScience becomes genuinely useful to compliance. #riskculture
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Jessica Esteves, CAMS ha recomendado estoJessica Esteves, CAMS ha recomendado estoToday, 29 September, the UK’s expanded sanctions measures against Iran enter into force. The scope is worth examining beyond the immediate Iran exposure. The new measures introduce financial restrictions covering loans and credit, investment, banking relationships and market access, insurance and dealings in Iranian sovereign bonds. Trade restrictions are also extended across several economically significant areas, including energy-related goods and technology, gold and precious metals, maritime goods and technology, natural gas, oil and petroleum products, petrochemicals and sectoral software. Importantly, parts of the framework extend beyond direct exports to supply and delivery, technology transfers, ancillary services and certain indirect or third-country activity. Shipping and aviation controls are also strengthened, including powers relating to specified ships, port access and related services, alongside restrictions on Iranian cargo aircraft. From a financial-crime and sanctions governance perspective, the breadth of the measures is significant. A single transaction may now require analysis across several dimensions simultaneously: • the counterparties and ownership structure; • the underlying goods, technology or services; • financing, insurance and banking arrangements; • shipping and transport; • third-country intermediaries; and • the economic purpose and end-use of the transaction. That creates a different control challenge from conventional name screening. Screening remains necessary, but measures structured around sectors, services, financing, vessels, indirect activity and end-use require institutions to connect sanctions controls with customer due diligence, transaction monitoring, trade data, payment information and escalation frameworks. For international groups, another issue is consistency. Where different legal entities, business lines and jurisdictions touch the same transaction, the effectiveness of the sanctions framework depends on whether they are working from a sufficiently consistent understanding of the exposure — and whether responsibility for stopping or escalating the activity is clear. The relevant question is whether the operating model can identify a prohibited or restricted economic activity when the risk is distributed across the customer, transaction, product, geography and supply chain. The measures entering into force today provide a useful example of why that distinction matters. #Sanctions #FinancialCrime #FCC #Compliance #AML #TradeCompliance #RiskManagement https://lnkd.in/e6D6kXux
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Jessica Esteves, CAMS ha recomendado estoJessica Esteves, CAMS ha recomendado estoThetaRay has landed in Miami! 🌴 Connect with Brad Levy, Garima Chaudhary, and Adelaide de Saint Etienne to discover how our native AI turns financial crime compliance into a engine for business growth. In town? Message us to meet up! 📅 Monday, Sep 28 – Tuesday, Sep 29 📍 Sibos - Miami Beach Convention Center
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Jessica Esteves, CAMS ha recomendado estoJessica Esteves, CAMS ha recomendado estoLast week, Matrix USA attended the Dataiku Succeed in NYC! What a great event full of updates, knowledge sharing, meetings and new opportunities. The AI world is changing so rapidly and it was a great opportunity to catch up with leaders from so many industries. Asaf Adri and Gil Rozen demonstrated our Alteryx to Dataiku "machine" and many other technological initiatives while Idan Keret Shir Ben-Shushan and myself help a lot of conversation with the audience that came to learn about Matrix USA professional services in the US and globally. (oh...and Jorge Veron came to visit). Thanks Caroline Leonard Moises Bentolila Elizabeth Taye Mohler Ashwin Murali Kineret MullerNichole Lawler and many more!
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Jessica Esteves, CAMS ha recomendado estoJessica Esteves, CAMS ha recomendado estoFeedzai Is Moving Agentic AI Directly Into the Fraud Investigation Workflow Feedzai has launched Farol, an AI agent embedded within RiskOps Studio that can analyse fraud rules, summarise investigations, answer platform questions and draft Suspicious Activity Reports without requiring risk teams to move sensitive data into a separate AI tool. Farol launches with four skills: Risk Strategy, Investigations, Knowledge and SAR Drafting. Feedzai says its Investigations capability reduced alert-handling time by 20%, while SAR drafts can be produced up to 12 times faster — company-reported results for which the underlying test sample and methodology have not yet been disclosed. The approach is already being used by SEB, where Fraud Prevention Business Owner Justinas Rekus says a single interface for data retrieval, insights and rule recommendations changes how fraud strategies can be refined. The launch builds on Feedzai’s wider expansion through institutions including Novobanco, Dock and IT Smart Systems. The bigger question is how much authority financial institutions will ultimately give AI agents. Farol currently focuses on analysis, recommendations and drafting rather than independently filing regulatory reports, keeping human review, validation and auditability in the process. As banks experiment with agentic AI, governance may prove just as important as the speed gains. Learn more 👇 https://lnkd.in/e2WQbTkQ #Feedzai #Farol #SEB #RiskOps #AgenticAI #ArtificialIntelligence #FraudPrevention #FinancialCrime #AML #SAR #BankingTechnology #RegTech #Fintech #FinanceFeeds
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