Money20/20 trust, fraud, and compliance shifts: what teams should watch

TL;DR: Modernising dollar infrastructure, fraud in emerging markets, AML standards, data silos, Web3 compliance, BNPL risk, and the rising role of AI in payments were discussed in a Money20/20 USA podcast featuring operators from Standard Chartered, EBANX, ACAMS, Adyen, and Nubank, according to SumSub. The practical takeaway is that trust, identity, and financial-crime controls now have to move in step with growth.

NHIMG editorial — based on content published by Sumsub: When Growth Meets Guardrails at Money20/20 Part 2

Questions worth separating out

Q: How should financial institutions align fraud, AML, and IAM controls?

A: They should align them around the same identity and transaction evidence, then define shared escalation thresholds and ownership.

Q: Why do data silos weaken fraud and compliance programmes?

A: Data silos weaken these programmes because suspicious behaviour is usually distributed across onboarding, device, payment, and case-management systems.

Q: How can teams use AI in payments without losing control?

A: Teams should treat AI as a governed decision layer, not a shortcut around review.

Practitioner guidance

• Map trust decisions across the customer lifecycle Identify where onboarding, payment authorisation, fraud review, and AML escalation each make independent decisions about the same customer or transaction.
• Break down identity and transaction data silos Create a shared investigation view that links identity attributes, device signals, payment events, and case outcomes.
• Demand auditability for AI-assisted controls Require logged decision paths, clear escalation criteria, and reviewable evidence when AI contributes to fraud scoring or compliance triage.

What's in the full article

Sumsub's full podcast covers the operational detail this post intentionally leaves for the source:

• Operator-level discussion of modernising dollar infrastructure and the trust controls that support it.
• Practical perspectives on fraud in emerging markets, BNPL risk, and Web3 compliance from multiple practitioners.
• Direct commentary on how data silos affect AML standards and financial-crime response in real environments.
• Recorded discussion of AI's growing role in global payments and what that means for day-to-day risk operations.

👉 Listen to Sumsub's podcast on fraud, AML, and trust at Money20/20 →

Money20/20 trust, fraud, and compliance shifts: what teams should watch?

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