Financial institutions are spending more on AML compliance than ever and getting less effective at stopping financial crime. Siloed, disconnected systems create detection gaps that sophisticated criminals exploit, while investigators waste up to 95% of their time chasing false positives instead of real threats. At the same time, regulators are raising the bar on SAR filing speed, coverage, and auditability. Penalties for falling short are growing sharper every cycle. The institutions that continue relying on legacy, rule-based AML programs aren’t just inefficient; they’re increasingly exposed.