Agentic AI for Financial Crime Compliance
September 16, 2025 Β· Declared Dead Β· π arXiv.org
"No code URL or promise found in abstract"
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Authors
Henrik Axelsen, Valdemar Licht, Jan Damsgaard
arXiv ID
2509.13137
Category
cs.AI: Artificial Intelligence
Cross-listed
cs.HC,
cs.MA
Citations
1
Venue
arXiv.org
Last Checked
4 months ago
Abstract
The cost and complexity of financial crime compliance (FCC) continue to rise, often without measurable improvements in effectiveness. While AI offers potential, most solutions remain opaque and poorly aligned with regulatory expectations. This paper presents the design and deployment of an agentic AI system for FCC in digitally native financial platforms. Developed through an Action Design Research (ADR) process with a fintech firm and regulatory stakeholders, the system automates onboarding, monitoring, investigation, and reporting, emphasizing explainability, traceability, and compliance-by-design. Using artifact-centric modeling, it assigns clearly bounded roles to autonomous agents and enables task-specific model routing and audit logging. The contribution includes a reference architecture, a real-world prototype, and insights into how Agentic AI can reconfigure FCC workflows under regulatory constraints. Our findings extend IS literature on AI-enabled compliance by demonstrating how automation, when embedded within accountable governance structures, can support transparency and institutional trust in high-stakes, regulated environments.
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