The core of the report addresses a paradox: while artificial intelligence provides criminals with the tools to automate fraud and launder money at a scale previously unimaginable, it also provides the only viable defense mechanism for the institutions tasked with stopping them. The findings suggest that the most successful compliance programs in Europe have moved past the "procurement phase" of AI—where software is simply bought and installed—into a "design phase," where AI is woven into the very fabric of risk management strategy....