H3M Analytics

𝗝𝗼𝗶𝗻 𝗢𝘂𝗿 𝟮𝟬𝟮𝟱 𝗔𝗠𝗟 & 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 𝗪𝗲𝗯𝗶𝗻𝗮𝗿 𝗦𝗲𝗿𝗶𝗲𝘀! We’re excited to announce a brand-new series of 12 webinars covering the most critical topics in the AML and Compliance field. Each of the 6 topics is offered on two different dates—one for the Americas and one for EMEA—so you can choose the session that fits your schedule. Webinar Lineup & Registration Links (All sessions occur on Tuesdays.) 𝗞𝗬𝗖 𝗜𝗻𝗻𝗼𝘃𝗮𝘁𝗶𝗼𝗻 & 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 Americas: Jan 21, 2025 (12:00–1:00 PM EST) Register Here: https://lnkd.in/eXnwrpw4 EMEA: Jan 28, 2025 (3:00–4:00 PM CET) Register Here: https://lnkd.in/eqGZsBzb 𝗔𝗠𝗟 𝗦𝗰𝗲𝗻𝗮𝗿𝗶𝗼 𝗙𝘂𝗻𝗱𝗮𝗺𝗲𝗻𝘁𝗮𝗹𝘀 Americas: Feb 4, 2025 (12:00–1:00 PM EST) Register Here: https://lnkd.in/eRZCrUeG EMEA: Feb 11, 2025 (3:00–4:00 PM CET) Register Here: https://lnkd.in/esMHTWHC 𝗔𝗱𝘃𝗮𝗻𝗰𝗲𝗱 𝗦𝗮𝗻𝗰𝘁𝗶𝗼𝗻𝘀 𝗦𝗰𝗿𝗲𝗲𝗻𝗶𝗻𝗴 Americas: Feb 18, 2025 (12:00–1:00 PM EST) Register Here: https://lnkd.in/e9WUutCZ EMEA: Feb 25, 2025 (3:00–4:00 PM CET) Register Here: https://lnkd.in/e9Urpq9C 𝗘𝗺𝗲𝗿𝗴𝗶𝗻𝗴 𝗧𝗲𝗰𝗵𝗻𝗼𝗹𝗼𝗴𝗶𝗲𝘀 𝗶𝗻 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 Americas: Mar 4, 2025 (12:00–1:00 PM EST) Register Here: https://lnkd.in/euUtEhF7 EMEA: Mar 11, 2025 (3:00–4:00 PM CET) Register Here: https://lnkd.in/e9TJV2jM 𝗠𝗮𝗰𝗵𝗶𝗻𝗲 𝗟𝗲𝗮𝗿𝗻𝗶𝗻𝗴 𝗳𝗼𝗿 𝗔𝗠𝗟 Americas: Mar 18, 2025 ( 12:00–1:00 PM EST) Register Here: https://lnkd.in/epFAhUcT EMEA: Mar 25, 2025 (3:00–4:00 PM CET) Register Here: https://lnkd.in/eV2My4NR 𝗡𝗲𝘁𝘄𝗼𝗿𝗸 𝗔𝗻𝗮𝗹𝘆𝘀𝗶𝘀 𝗳𝗼𝗿 𝗔𝗠𝗟 Americas: Apr 8, 2025 (12:00–1:00 PM EDT) Register Here: https://lnkd.in/eneadJka EMEA: Apr 15, 2025 (3:00–4:00 PM CEST) Register Here: https://lnkd.in/eQjCEg_K Each webinar covers the latest industry insights, regulatory updates, and practical implementation strategies. From KYC scoring and AML detection scenarios to Advanced Sanctions Screening and Network Analysis, we’ll equip you with actionable knowledge to strengthen your compliance program. Secure your seat now and take advantage of these deep-dive sessions to stay ahead in the constantly evolving landscape of financial crime prevention. Looking forward to your participation! #AML #Compliance #FinancialCrime #KYC #Sanctions #MachineLearning #NetworkAnalysis #AI

🚨 𝗕𝗹𝗼𝗰𝗸 𝗜𝗻𝗰. 𝗶𝗻 𝗧𝗮𝗹𝗸𝘀 𝘄𝗶𝘁𝗵 𝗡𝗬 𝗥𝗲𝗴𝘂𝗹𝗮𝘁𝗼𝗿𝘀 𝗢𝘃𝗲𝗿 𝗔𝗠𝗟 & 𝗕𝗶𝘁𝗰𝗼𝗶𝗻 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 🚨 Jack Dorsey’s Block Inc. is negotiating with the New York State Department of Financial Services (NYDFS) to settle allegations related to its Anti-Money Laundering (AML) and Bitcoin programs. In a recent SEC filing (Feb. 24), Block confirmed ongoing discussions with NYDFS over Bank Secrecy Act (BSA) compliance and other regulatory matters. While settlement terms were proposed in January, no specific details have been disclosed. Block has acknowledged a financial liability related to the matter but stated that it is not material to its 2024 financials. 🔎 𝗞𝗲𝘆 𝗧𝗮𝗸𝗲𝗮𝘄𝗮𝘆𝘀: ✅ Regulatory scrutiny on crypto and fintech compliance is intensifying. ✅ Block is actively working toward a negotiated resolution with NYDFS. ✅ AML and Bitcoin-related compliance remain high-priority areas for financial regulators. 💬 What are your thoughts on the increasing regulatory oversight in fintech and crypto? #AML #Fintech #CryptoRegulation #Bitcoin #Compliance https://lnkd.in/dQfuMcff

🚨 𝗖𝗼𝗿𝗿𝘂𝗽𝘁𝗶𝗼𝗻, 𝗧𝗮𝘅 𝗘𝘃𝗮𝘀𝗶𝗼𝗻 & 𝗠𝗼𝗻𝗲𝘆 𝗟𝗮𝘂𝗻𝗱𝗲𝗿𝗶𝗻𝗴: 𝗧𝗵𝗲 𝗥𝗲𝗮𝗹 𝗧𝗵𝗿𝗲𝗮𝘁 𝘁𝗼 𝗣𝗮𝗸𝗶𝘀𝘁𝗮𝗻’𝘀 𝗘𝗰𝗼𝗻𝗼𝗺𝘆 🚨 "Pakistan is going through a critical phase"—a statement we've heard for decades. But what is truly preventing progress? 🔹 𝗧𝗵𝗲 𝗥𝗼𝗼𝘁 𝗖𝗮𝘂𝘀𝗲: Pakistan’s economic instability is deeply tied to corruption, particularly tax evasion and money laundering. These financial crimes drain billions from government revenues, forcing reliance on IMF loans while depriving citizens of healthcare, education, and infrastructure. 🔹 𝗞𝗲𝘆 𝗖𝗵𝗮𝗹𝗹𝗲𝗻𝗴𝗲𝘀 & 𝗧𝗵𝗲𝗶𝗿 𝗜𝗺𝗽𝗮𝗰𝘁: ✔️ Falling Tax-to-GDP Ratio → Weakens public spending, increases external debt. ✔️ Money Laundering & Informal Economy → Destabilizes markets, reduces foreign investment. ✔️ Public Distrust & FATF Grey Listing → Weak AML controls lead to reduced trade and investor confidence. 🔹 𝗠𝗮𝗷𝗼𝗿 𝗘𝗻𝗮𝗯𝗹𝗲𝗿𝘀 𝗼𝗳 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗖𝗿𝗶𝗺𝗲: ⚠️ Hawala & Hundi: Informal money transfer systems bypass regulatory controls. ⚠️ Real Estate Manipulation: Benami properties & under-invoicing enable tax evasion and money laundering. ⚠️ Trade-Based Laundering: Smuggling, under-invoicing, and over-invoicing further weaken financial integrity. ⚠️ Political Exploitation: The Panama Papers exposed how PEPs and bureaucrats hid illicit wealth offshore. 🔹 𝗧𝗵𝗲 𝗪𝗮𝘆 𝗙𝗼𝗿𝘄𝗮𝗿𝗱: 📌 Expand the tax net to include non-tax-paying businesses & individuals. 📌 Strengthen AML enforcement with real consequences for financial criminals. 📌 Close legal loopholes in banking, real estate, and trade regulations. 📌 Restore investor confidence by aligning with global anti-corruption standards. 💡 Pakistan must act now! Addressing tax evasion and money laundering is the only way to secure long-term economic stability and global financial credibility. #Pakistan #Corruption #TaxEvasion #MoneyLaundering #AML #FinancialCrime #EconomicStability #Governance #H3M #H3MAnalytics https://lnkd.in/dxUcRcR6

🚀 𝗔𝗱𝘃𝗮𝗻𝗰𝗲𝗺𝗲𝗻𝘁𝘀 𝗶𝗻 𝗗𝗲𝗲𝗽 𝗟𝗲𝗮𝗿𝗻𝗶𝗻𝗴 𝗳𝗼𝗿 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗙𝗿𝗮𝘂𝗱 𝗗𝗲𝘁𝗲𝗰𝘁𝗶𝗼𝗻 🚀 A recent systematic review analyzes 57 studies (2019-2024) on deep learning (DL) techniques for financial fraud detection, covering areas like credit card fraud, insurance claims, and financial audits. 🔹 𝗞𝗲𝘆 𝗙𝗶𝗻𝗱𝗶𝗻𝗴𝘀: ✔️ Top-performing DL models: CNNs, LSTMs, and Transformers show high accuracy in fraud detection. ✔️ Performance Metrics: Evaluations focus on precision, recall, F1-score, and AUC-ROC. ✔️ Emerging Trends: Advancements in feature engineering, data preprocessing, and automation are transforming fraud detection. 🔹 𝗖𝗵𝗮𝗹𝗹𝗲𝗻𝗴𝗲𝘀 & 𝗢𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝗶𝗲𝘀: ⚠️ Imbalanced datasets and model interpretability remain key obstacles. 🔐 Privacy concerns drive interest in blockchain integration and privacy-preserving techniques like Principal Component Analysis (PCA). 🔹 𝗪𝗵𝘆 𝗜𝘁 𝗠𝗮𝘁𝘁𝗲𝗿𝘀: As fraud tactics evolve, AI-driven financial fraud detection is becoming more accurate, automated, and secure. This review offers critical insights for researchers and industry leaders aiming to enhance fraud prevention strategies. 📌 𝗗𝗟 𝗶𝗻 𝗳𝗿𝗮𝘂𝗱 𝗱𝗲𝘁𝗲𝗰𝘁𝗶𝗼𝗻 𝗶𝘀 𝗲𝘃𝗼𝗹𝘃𝗶𝗻𝗴—𝗮𝗿𝗲 𝘆𝗼𝘂 𝗹𝗲𝘃𝗲𝗿𝗮𝗴𝗶𝗻𝗴 𝘁𝗵𝗲 𝗹𝗮𝘁𝗲𝘀𝘁 𝗮𝗱𝘃𝗮𝗻𝗰𝗲𝗺𝗲𝗻𝘁𝘀? #DeepLearning #FraudDetection #AI #FinancialCrime #MachineLearning #FinTech #CyberSecurity https://lnkd.in/dH4iQax8

🚨 𝗙𝗼𝗿𝗺𝗲𝗿 𝗖𝗵𝗶𝗻𝗲𝘀𝗲 𝗟𝗲𝗴𝗶𝘀𝗹𝗮𝘁𝗼𝗿 𝗦𝗲𝗻𝘁𝗲𝗻𝗰𝗲𝗱 𝘁𝗼 𝗦𝘂𝘀𝗽𝗲𝗻𝗱𝗲𝗱 𝗗𝗲𝗮𝘁𝗵 𝗣𝗲𝗻𝗮𝗹𝘁𝘆 𝗳𝗼𝗿 𝗖𝗼𝗿𝗿𝘂𝗽𝘁𝗶𝗼𝗻 🚨 China’s anti-corruption drive has led to a severe sentence for Liu Handong, a former senior legislator in Jiangsu province, who was convicted of bribery, abuse of power, and illegal land-use transactions. 🔹 The Verdict: Liu received a suspended death sentence, meaning it will be commuted to life imprisonment after two years under Chinese law. 🔹 Massive Corruption Scheme: Over 24 years (1999-2023), Liu accepted 245 million yuan ($33.8M) in bribes, abusing his power to facilitate illegal land transfers and exempt beneficiaries from taxes, causing significant financial losses to the state. 🔹 Illicit Gains: He helped co-conspirators make $7.5M in illegal profits through unlawful land reselling. 🔹 Confession & Leniency: The court acknowledged his cooperation, confession, and return of stolen funds, leading to a reduced but strict sentence. 🔹 Political Fallout: Liu was expelled from the Communist Party after the CCDI launched an investigation into his "serious violations of discipline and law." This case underscores China’s zero-tolerance policy on corruption and the harsh consequences for high-ranking officials who exploit their positions. #AntiCorruption #China #FinancialCrime #Bribery #Governance #Compliance #Leadership https://lnkd.in/gwk79PfV

In our latest blog post, “Virtual IBAN: Case Study, Risks, Regulations & AML/CTF Future,” our Product Manager Alpgiray Koçal delves into the rapidly evolving world of Virtual IBANs—highlighting how they streamline payments, reduce overhead, and consolidate multi-currency transactions. However, their very flexibility can also make them fertile ground for money laundering and terrorist financing risks. https://lnkd.in/ezVuyAEp Key Insights: • Why Virtual IBANs pose new AML/CTF vulnerabilities—especially around KYC/KYB • How global regulatory bodies like the EBA are responding • The role of AI and machine learning in detecting suspicious transactions • A detailed case study examining how vIBANs can be misused in an alleged illegal betting network #VirtualIBAN #FinTech #AML #CTF #RegTech #AI #FinancialCrime #Compliance

🔎 𝗨.𝗦. 𝗝𝘂𝗱𝗴𝗲 𝗟𝗶𝗳𝘁𝘀 𝗕𝗹𝗼𝗰𝗸 𝗼𝗻 𝗖𝗼𝗿𝗽𝗼𝗿𝗮𝘁𝗲 𝗧𝗿𝗮𝗻𝘀𝗽𝗮𝗿𝗲𝗻𝗰𝘆 𝗔𝗰𝘁 𝗘𝗻𝗳𝗼𝗿𝗰𝗲𝗺𝗲𝗻𝘁 ⚖️💼 A Texas federal judge has lifted his earlier ruling that blocked the enforcement of the Corporate Transparency Act (CTA), a law requiring millions of U.S. business entities to disclose their beneficial owners to the Financial Crimes Enforcement Network (FinCEN) to combat money laundering and financial crime. 📌 𝗞𝗲𝘆 𝗣𝗼𝗶𝗻𝘁𝘀: ✔️ Judge Jeremy Kernodle previously ruled CTA unconstitutional 🏛️, arguing it overreached federal power by regulating state-formed private companies. ✔️ The law is now back in effect while the U.S. Department of Justice appeals the ruling ⚖️. ✔️ The U.S. Supreme Court previously paused a similar ruling that declared CTA unconstitutional. ✔️ FinCEN will extend the reporting deadline by 30 days 📆 to reassess reporting requirements. ✔️ Conservative plaintiffs oppose the ruling's reversal, arguing the law should remain paused until further judicial review. CTA’s enforcement marks a significant step in enhancing corporate transparency but also raises constitutional and regulatory concerns. The final decision on its legality will likely rest with higher courts. #AML #CorporateTransparency #MoneyLaundering #FinCEN #CTA #FinancialCrime #Regulation #Compliance #LegalDebate #H3MAnalytics https://lnkd.in/dg-FgYzn

Webinar Duyurusu: “AML Senaryo Tasarımı” Finansal suçlarla mücadelede yenilikçi senaryo tasarımı ve yapay zeka çözümleri mercek altında! Bu ücretsiz ve etkileşimli webinarda; Finansal kuruluşların risk iştahına ve gelişen suç tipolojilerine uygun senaryolar geliştirerek AML/CTF süreçlerini güçlendirmeyi, Yapay zeka destekli veri analiziyle dinamik AML senaryoları simüle etmeyi, Uyarı hacmi ile tespit kalitesini veri bazlı eşik değerleri aracılığıyla dengelemeyi, Yaşam döngüsü yönetimi kapsamında senaryo tasarımından uygulanmasına kadar tüm süreci etkin yönetmeyi, Mevcut AML senaryolarını yeni teknolojilerle entegre ederek sistemin adaptasyonunu sağlamayı, ele alacağız. Tarih: 6 Mart 2025 (Perşembe) Saat: 16:00 – 17:00 (İstanbul Zaman Dilimi) Dil: Türkçe Risk bazlı senaryo tasarımına dair en iyi uygulamaları öğrenmek, operasyonel verimliliği artıran yapay zeka yöntemlerini keşfetmek ve dinamik AML stratejilerinizde bir adım öne geçmek için hemen kayıt olun.

🔎 𝗠𝗮𝘀𝘀𝗶𝘃𝗲 𝗠𝗼𝗻𝗲𝘆 𝗟𝗮𝘂𝗻𝗱𝗲𝗿𝗶𝗻𝗴 & 𝗜𝗹𝗹𝗲𝗴𝗮𝗹 𝗕𝗲𝘁𝘁𝗶𝗻𝗴 𝗡𝗲𝘁𝘄𝗼𝗿𝗸 𝗘𝘅𝗽𝗼𝘀𝗲𝗱 💰🎰 An illegal online betting network allegedly run by Halil Falyalı, a murdered Turkish-Cypriot businessman, laundered millions through Malta, the Balkans, and Cyprus using cryptocurrency and mule accounts. Reports link €1.3 billion in transactions to the network since 2018. 📌 𝗞𝗲𝘆 𝗙𝗶𝗻𝗱𝗶𝗻𝗴𝘀: ✔️ Malta used as a base 🇲🇹 – Easy company setup, crypto transactions, and lax banking controls facilitated money laundering. ✔️ Complex laundering structure 🔄💸 – Thousands of accounts, cash smuggling, and crypto conversions masked illicit funds. ✔️ Government investigation ongoing – Turkish authorities seized €40 million and linked multiple individuals to the network. ✔️ Fast-moving operations ⚡ – Sites blacklisted in Turkey, Cyprus, and Latvia were immediately replaced with new domains. Authorities continue to unravel the scale of financial crime and cross-border corruption linked to online gambling. The case highlights urgent AML enforcement challenges and the growing risks of crypto-based money laundering. #AML #MoneyLaundering #FinancialCrime #IllegalGambling #CryptoFraud #Malta #Turkey #CrossBorderCrime #Regulation #FraudPrevention #H3MAnalytics https://lnkd.in/dQFpHJ6d

🔎 𝗘𝗰𝗼𝗻𝗼𝗺𝗶𝗰 𝗖𝗿𝗶𝗺𝗲, 𝗖𝗼𝗿𝗿𝘂𝗽𝘁𝗶𝗼𝗻, 𝗮𝗻𝗱 𝘁𝗵𝗲 𝗨𝗞’𝘀 𝗥𝗲𝘀𝗽𝗼𝗻𝘀𝗲 💰⚖️ Corruption and financial crime remain a global threat, with London’s financial hub increasingly scrutinized as a center for money laundering. Claims that 40% of the world’s dirty money flows through the UK and its crown dependencies highlight the urgent need for stronger AML (Anti-Money Laundering) measures. 🔍 The 41st Cambridge International Symposium on Economic Crime brought together over 1,800 experts to discuss the identification, interdiction, and management of suspect assets. 📌 𝗞𝗲𝘆 𝗧𝗮𝗸𝗲𝗮𝘄𝗮𝘆𝘀: ✔️ Financial crime enforcement remains weak – Regulatory bodies lack sufficient resources and commitment. ✔️ London’s role as a financial hub is under question – More active engagement is seen from jurisdictions like Singapore. ✔️ New legislative measures are in place – The 2023 Economic Crime and Corporate Transparency Act marks a step in the right direction. ✔️ The abolition of Action Fraud and the creation of a new fraud reporting system – Long-overdue reforms are finally being implemented. ✔️ Tech-driven financial crimes are rising – Criminals leverage AI and digital services to stay ahead of regulations. ⚠️ There is no single solution, but fighting fraud, corruption, and economic crime requires continuous innovation, commitment, and resources. The effectiveness of the new government in tackling these challenges remains uncertain, but transparency, strong enforcement, and public-private collaboration are essential in combating financial crime. 🔐📈 #AML #FinancialCrime #Corruption #FraudPrevention #EconomicCrime #MoneyLaundering #Regulation #Governance #Transparency #Compliance  #H3MAnalytics https://lnkd.in/dA79MSXx