Download this report to understand why fraud and AML silos are collapsing in 2026, how instant payments and mule-driven crime exploit the time gap between teams, and what a unified FRAML risk architecture looks like in practice.

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What you’ll learn

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• Why instant rails turn the “two-clock” model into structural loss
• How mule accounts force shared ownership across fraud and AML
• Where the silo tax shows up as missed interdiction and higher workload
• What unified risk decisioning looks like per session and per transfer
• How effectiveness-focused regulation is raising the bar on outcomes

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FRAML is not an org chart exercise. It is a time alignment requirement. This report explains how banks fuse identity, device, behavior, and network signals into one decision loop that can intervene before funds leave the controllable perimeter.