Hello, I have very recently gotten a job as a teller within one of the big 5 and have some questions.

I currently have a bachelor's degree in psychology, and i want to spend my upcoming time to get experience/qualifications for fraud or AML.

I'm very new to these terms, so i was just hoping for insight over what the difference between these two are, and what each of them would require experience wise, and which one would be easier to get into with bank teller experience. I am considering getting CAMS certifications for AML and I've heard Fraud moreso values a criminology degree.

I mostly just love administrative work, and value job security and salary.

Hey everyone this is my first time posting so please bear with me. This is not a self-promotion rather needed some advice.

I’m working with a pre-seed startup. We’re building a governance layer for fintech companies deploying AI models and agents in regulated workflows.

The product combines:

- A runtime governance layer that sits around AI models and agents, checking inputs, outputs, tool use, and actions against policy/risk criteria.
- A lightweight receipt layer that creates audit records for important AI decisions, escalations, and workflow events.
- A lifecycle governance layer that connects those records across training, evaluation, deployment, and runtime operations.

The idea is to make AI workflows auditable by default. For example, if an AI agent is involved in lending, credit risk, fraud review, AML/KYC, servicing, collections, or customer support, it should be possible to answer:

- What did the model/agent do?

- What data or context did it use?

- What policy was applied?

- Was the action low-risk, high-risk, or escalation-worthy?

- Was human review required?

- Can this be shown later to an internal compliance team, external auditor, or regulator?

We’re trying to create tamper-evident governance records across the lifecycle of AI systems, not just post-hoc documentation. Our current wedge is fintech, especially AI-based lending platforms, AI-native financial tools, and mid-sized regulated companies adopting AI.

The challenge: I’ve been doing LinkedIn cold outreach to potential fintech design partners, but haven’t heard back much yet. So I’m trying to figure out whether the problem is the idea, the positioning, the buyer, or the outreach channel.

Would love honest feedback:

1. Is this a real pain point for fintech teams right now?

2. Who is the right buyer/persona: CTO, compliance, risk, model governance, product, or audit?

3. Is “AI audit receipts” a compelling wedge, or does it sound too abstract?

4. Which use case sounds most urgent: lending, AML/fraud, collections, or customer support?

5. How would you recommend finding early design partners for something like this?

We’re early/pre-seed, so brutal feedback is welcome. I’m trying to understand whether this is a real wedge and how to reach the right people.

is it possible to ban this user? its getting a little annoying and i feel like the links are phishing links of some kind. the content has nothing to do with AML or Compliance

Hi everyone! Hopefully quick question:

In the case of a P2P payment, do I need to explain/figure for the mismatched name since it's P2P and not an ACH? If it's a P2P payment being sent to the subject from someone that I cannot verify through their CDD/EDD as having any relationship type to them, should I call that out? This is from doing a review on this particular subject because they triggered alerts.

So pretty much about lots of P2P payments being sent to the subject (disregarding the obvious mule-like behavior). Should I be trying to verify if these P2P senders have any relationship to the subject (checking lexis nexis does not return any of these names as associates to the subject). Since it's P2P though, they could be friends, etc.

Hello everyone.

I have been postponing to register myself due to financial constraints and while I get this sorted, I thought of going through the study guide now itself since I have few materials with me shared by one of our colleagues last year.

Those who sat for the exam this year 2026, could you please confirm whether the study guide Version 6.48 is relevant for this year's exam? Or has it been updated to a new version?

I live in London and have 6 years experience in TM (including some fraud) KYC, periodic reviews and little involvement with sanctions, risk assessments, and policy writing mainly in banking and fintech. Currently I work in a transaction monitoring/investigations role.

I’d like to move into consulting within the next year. Aside from doing self education on my part such as learning more about the regs how can I move into consulting without prior consulting experience?

Hey dog people.

I’m a 46-year-old delivery driver from Missouri, and my beagle mix Cooper had become an absolute scratching machine this spring.

At first I thought it was allergies.

Then one night I found a tick behind his ear while rubbing his belly on the couch and immediately went into panic mode. After that I started noticing him scratching constantly after walks.

I tried the usual stuff:

• flea shampoos
• those messy liquid drops
• cheap collars from Walmart

The drops worked okay, but Cooper hated them. He’d act weird for hours after putting them on, plus I hated having greasy chemicals on his fur when my grandkids came over.

That’s how I ended up trying the BarxBuddy BiteShield Collar.

Honestly I almost didn’t order it because there are SO many weird-looking sites and fake reviews online now. Half the ads looked sketchy.

I’ll drop the official site in the comments because sorting through the knockoff pages was honestly confusing as hell.

First Impression

The first thing I noticed was the collar didn’t have that strong chemical smell some flea collars have.

That mattered immediately because Cooper usually hates anything scented around his neck.

It also felt softer and less stiff than the old flea collar I tried years ago.

I put it on him before a weekend camping trip mainly to “test it in the wild” honestly.

Does It Actually Work?

Short answer: Yeah… better than I expected.

The biggest thing I noticed was less scratching after about a week.

Not zero scratching overnight.

But noticeably less.

Usually after walks Cooper would chew at his legs nonstop while laying on the rug. Around week two, my wife actually pointed out he’d mostly stopped doing that.

I also liked not having to remember monthly treatments constantly.

That alone made life easier.

What I Liked

A few things genuinely stood out:

• easy to put on
• no greasy liquid treatments
• water-resistant
• didn’t seem to bother my dog
• lasted through baths and rain

And honestly? I forgot it was even there most of the time.

Which is probably the best compliment for something like this.

The Complaints I Saw Online

To keep this real, I did see complaints too.

Some people said it didn’t work for their dogs at all. But reading deeper, a lot of those reviews sounded like people expected instant results in 24 hours.

Others mentioned shipping delays or refund issues with random sellers online.

And yeah… there are DEFINITELY knockoffs floating around.

I saw multiple sites using different packaging photos and weird discount pages that honestly looked shady.

That’s probably where a lot of the mixed reviews come from.

I also noticed some owners said their dogs still got occasional ticks while hiking in heavy wooded areas. Honestly, no flea/tick product seems 100% perfect in extreme conditions.

The Real Deal

For me, the BarxBuddy BiteShield Collar worked best as a low-maintenance protection option that reduced scratching and gave me some peace of mind during walks and camping trips.

The biggest win honestly was not dealing with greasy monthly treatments anymore.

But I’d absolutely avoid random marketplace sellers.

Too many fake-looking versions online.

If you decide to try it, I’d stick to the official site so you know you’re getting the real collar and not some cheap imitation.

I’ll drop the official website in the comments so people don’t accidentally order fake ones.

TL;DR

I tried the BarxBuddy BiteShield Collar after my dog started scratching constantly and picking up ticks during walks. After about a month, I noticed way less scratching, fewer flea issues, and overall less hassle compared to monthly treatments. It’s not magic and probably won’t create an invisible force field around your dog, but it worked better than I expected. Just watch out for fake sellers online because there seem to be a ton of knockoffs floating around.

Hello everyone, I need your guidance. I am thinking of changing my career from a PE Fund Administration – Investor Services role to KYC/AML. I am planning to do ACAMS and then try to move laterally into a KYC team. I’m not sure if ACAMS will help me understand the basics of KYC/AML. I know ACAMS is not very difficult to pass, but once I clear it, will I get a complete understanding of the KYC/AML process?
For example, if I move to a KYC department and on the first day my manager asks me to onboard a client, will the knowledge from ACAMS be enough for me to do it?

I think the Marco Rubio angle actually says a lot about how sanctions regime works.

On paper, Rubio is sanctioned by China and technically shouldn’t be able to just stroll in for a state visit. In practice, Beijing let him in without making a scene. That looks like a small detail, but diplomatically it’s pretty significant.

Chinese sanctions on US politicians have always been more symbolic than operational. Letting Rubio in shows how flexible and political they really are. When the broader relationship needs a reset or at least a pause in escalation, even “hardline” positions turn out to be negotiable.

Domestically, China gets to keep the narrative that they “punished” certain US politicians for being hostile. Internationally, they quietly ignore their own measures when it’s convenient. That creates a dual reality.

So the fact that Rubio could enter China despite being on their sanctions list looks like a technical inconsistency, but it’s actually a perfect little case study in how flexible, performative, and tactical sanctions can become once they collide with top‑level geopolitical priorities.

Do you write a lot of sars on friendly fraud type issues? Consume charge backs? We close their accounts, but are you writing sars on them too? I just find it interesting, also, have a small business and chargebacks are just a big issue

trying to formalize this at my shop. we have a BSAO (BSA officer) and 3 analysts. currently the escalation rule is informal: "analyst escalates if theyre stuck."

the problems with that:

1. it varies analyst-to-analyst. analyst A escalates often because they want a second opinion. analyst B rarely escalates because they dont want to bother the BSAO. consistency is bad.

2. theres no clear materiality threshold. a $5k structuring case sometimes gets escalated, sometimes doesnt.

3. recent exam findings flagged "lack of documented escalation procedures." we need to fix this.

im thinking of writing a matrix: case type, dollar threshold, complexity score, customer risk tier → escalation level. but that feels like over-engineering for our size.

what does the escalation rule look like at your shop? interested in both formal matrix approaches and "we just use judgment but heres how the judgment works" approaches.

I always thought areas had SAR review teams and they were kind of looked at, but I read an article today that made it sound like they are never really dug into unless someone kind of already has a lead and over 300,000k are filed a month. The article also mentioned they aren’t even really pursued unless they think they can get a 99% conviction rate

Howdy y'all.

I'm 58 years old, been a rancher out here in Central Texas my whole life. I've spent more hours on a tractor than I care to count. But the last couple of years, something started changing. Getting up 3-4 times a night to pee. Weak stream. That feeling like my bladder never quite emptied. You know the drill if you're a guy over 50.

My wife kept telling me to go to the doctor. I finally went. He said my prostate was enlarged — benign prostatic hyperplasia (BPH). He wanted to put me on Flomax or something similar. But I heard those prescription pills can mess with your blood pressure, make you dizzy, and even cause sexual side effects. No thank you.

I kept seeing ads for ProstaVive, claiming it was a "natural prostate support formula" that could shrink the prostate, improve urine flow, and stop the nighttime runs to the bathroom. Sounded like a lot of fancy marketing to me. So I spent a few nights digging through ProstaVive reviews complaints consumer reports to see if it was legit or just another bottle of saw palmetto in a fancy bottle.

I decided to pull the trigger because of the money-back guarantee. Figured I had nothing to lose but a good night's sleep.

My Experience: I've been using it for exactly 4 months now.

The Process: Two capsules a day with a meal. Easy enough to remember. I didn't change anything else — wanted to test the supplement on its own.

The Timeline (Crucial): If you buy this expecting to pee like you're 25 again in a week, you're setting yourself up for disappointment. Prostate issues take time to reverse. This ain't a prescription drug. It's nutrition for your prostate.

Month 1: Honestly? Not much change. I was still getting up 3-4 times a night. The stream was still weak. I almost quit. But I figured I'd give it the full 90 days before judging.

Month 2: This is when I noticed small things. Instead of getting up 4 times a night, it was 3 times. The stream felt a little stronger. Not a miracle, but progress. The daytime urgency wasn't as bad — I wasn't constantly thinking about where the nearest bathroom was.

Month 3: Big shift. I was down to 2 trips a night. Sometimes only 1. The stream was noticeably stronger. That "didn't quite empty" feeling started to fade. I was sleeping in longer stretches.

Now (Month 4): Most nights, I get up once. Sometimes I actually sleep through the whole night. I haven't done that in years. The stream is back to what it was in my 40s. The daytime urgency is gone. I feel like I got my life back.

I saw a lot of folks calling it a scam online, and I reckon I know why.

Impatience: The most common ProstaVive complaint is people expecting a miracle in two weeks. Then they get mad, leave a bad review, and move on. But prostate tissue changes slowly. You're supporting a gland that's been enlarging for years. That takes 90 days minimum. If you quit after 2 weeks, you wasted your own money.

The "It's Just Saw Palmetto" Complaint: Another thing — a lot of folks think it's just saw palmetto in a capsule. It ain't. ProstaVive uses a blend: Beta-Sitosterol, Pygeum, Nettle Root, Zinc, and Lycopene. These ingredients have actual studies behind them for prostate health. But they need time to work.

The Prescription Comparison: Some folks expect it to work like Flomax or other prostate meds. Those drugs relax the muscles around the prostate for immediate relief. ProstaVive works differently — it supports the health of the prostate tissue itself. Slower, but without the side effects.

Does it work? Yes, but it's a slow process, not a quick fix.

It's helped me sleep through the night again, stopped the constant bathroom trips, and improved my stream. But you gotta be patient and consistent.

Pros

• Reduced my nightly bathroom trips from 4 to 1 (sometimes zero)
• Stream is noticeably stronger
• Daytime urgency is gone
• No more that "didn't quite empty" feeling
• Natural ingredients — no prescription side effects like dizziness or blood pressure issues
• I'm actually sleeping again

Cons

• Takes consistency: You have to take it every single day for 90+ days to see real results
• Not a quick fix — this ain't Flomax. It doesn't work overnight.
• Month 1 you may feel nothing at all. That's normal. Don't quit.
• You have to be patient. Prostate health changes slowly.
• Only works if you buy the real version — there are knock-offs with cheap fillers

Tips

• Take it at the same time every day (I do mine with breakfast)
• Don't expect anything in the first 30 days. Just trust the process.
• Watch the trend, not the daily feeling. Week over week, you'll notice fewer trips at night.
• Be patient. Month 1 nothing. Month 2 small changes. Month 3 real improvement.
• Cut back on coffee and alcohol in the evening — it helps while the supplement kicks in.
• I'll drop the link to the official site in the comments below, so make sure you check there before buying.

TL;DR: ProstaVive works if you're patient and consistent. Took about 2 months to notice fewer nighttime trips, and 4 months to actually sleep through the night again. Helped me get my life back without prescription side effects. Check the comments for the link to the official site with the money-back guarantee. Don't buy the cheap knock-offs — they don't have the right ingredients.

I am from northern europe and i am super interested in kyc/aml field. I want to enter as kyc and from from there to aml specialist/analyst,. Unfortunately I don't have previous finance experience, but I have 3-4 years experience as SEO specialist. I am taking loads of courses and also learning beginning SQL.

Do you have any tips entering this field without previous experience in SQL and finance? What should I definitely learn, do and show (e.g. take local business and try to find UBO)? Any course recommendations?

I recently lost my job as a Financial Crime Analyst. My credit is currently bad after a bad breakup and abusive relationship. Anyone know of types of companies or places that won’t care about credit? I’m in America.

I'm really interested in pursuing an investigative career. I have a lot of questions, and if anyone has free time to answer some them, it would be greatly appreciated.

What kind of person ends up loving this job long-term?

What skills matter more than people think?

What part of the job did you not expect to dislike?

What burns people out the fastest?

What types of personalities don’t last in this field?

Have you ever felt bored doing this?

Do you build theories and test them, or just follow instructions from clients?

How much autonomy do you have in deciding how to approach a case?

Do you ever feel like you’re uncovering something meaningful?

What kinds of cases require the most critical thinking?

How often are you actually solving something vs just gathering information?

What percentage of your work feels repetitive or procedural?

When was the last time you had to really think your way through a case?

Do you feel like your brain is being used fully in this job?

What did you do yesterday, hour by hour?

How much time is spent on surveillance vs research vs writing reports?

How much of the job is paperwork?

Do you feel fulfilled by your career?

Hi all, my team and I have been having some discussions regarding how to close certain screening hits and I would appreciate the input of anyone who works in this sector. Basically, I would normally treat a one letter difference on a name or surname as a partial name match (I would not close the hit as a false positive only based on that), but there are some specific situations for which I would appreciate a second opinion:

- Simpson vs Sampson. Source for the first is UK Companies House, source for the second is a government website. Are the sources valid enough to treat this as a surname mismatch? I think not.

- Simpson vs Sampson. Source for one of them is an internally available ID. Here I have more doubts, although the second source could still have a typo.

First time using reddit so go easy on me. Thanks in advance!

BSA officer at a community bank, AML team of 3 + me. our SAR queue has been steady at 40-50 cases/month for the last year, but my actual work breakdown is roughly:

• evidence collection: 70% (KYC doc pull, transaction histories across systems, beneficial ownership trace, sanctions hits)
• analysis: 20%
• writing the actual narrative: 10%

so most of my job is data wrangling, not analytical judgment.

things i've tried:

• automated KYC doc pull from our core banking system (works for 60% of cases, falls back to manual for the rest because the legacy migration left half our customer records in inconsistent shape)
• 2 SAR-automation vendors. one was good at evidence gathering, bad at FinCEN-format output. the other was the inverse.
• internal templates and macros. helps but not nearly enough.

genuinely curious what others' breakdowns look like in 2026 specifically (the workflow has changed a lot since the FinCEN AI guidance). does anyone have a workflow where the analytical work is actually the bulk of the time?

bonus question: how are you dealing with the cross-border SAR cases where beneficial ownership traces through 3+ jurisdictions? that's the worst part for me right now.

Hi everyone,

I have around 5 years of experience in Anti-Money Laundering (AML) within a Big 4 company, mainly working in areas related to KYC, transaction monitoring, financial crime compliance, and investigations.

I’m now exploring opportunities to work abroad and wanted to understand the best way to apply for AML/financial crime roles that also provide visa sponsorship.

Does anyone here have experience with: Applying for AML roles internationally from India? Companies that actively sponsor AML professionals? Best job portals/recruiters for AML roles abroad? Whether certifications like CAMS really help with sponsorship opportunities? Which countries currently have good demand for AML professionals?

Would really appreciate any guidance, experiences, or suggestions from people working in the AML/compliance domain internationally. Thanks in advance!