##### Celent x Hawk Report

### Trends in Fraud & AML Convergence at US Mid-Market Banks & Credit Unions

A comprehensive overview of how mid-market banks and credit unions in the United States are perceiving and approaching the convergence of fraud and AML

[Download my copy](https://insights.hawk.ai/lp-framl-us-report-25-q2#bottompageform)

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## More than half of US mid-market banks and credit unions see the **practical and economic value of a FRAML approach** and have already **taken steps in the direction of fraud and AML convergence**

**60%**

Have implemented **some degree of integration** between fraud and AML processes

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**77%**

Expect to **save over $1M within the first 5 years of convergence**, and over a third of responders expect the savings to exceed $5M

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**53%**

Have merged at least some of their technology/systems

## Why is a FRAML approach becoming necessary?

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## Pros of adopting a FRAML approach

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# Learn about the current state of FRAML in US mid-market banks and credit unions

[Get the Trends](https://insights.hawk.ai/lp-framl-us-report-25-q2#bottompageform)

## Despite growing interest, most **financial institutions struggle with consolidating their fraud and AML efforts**, the main challenges being:

**Siloed data & fragmented insight**

30% of banks report difficulties in consolidating their data

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**Bolting fraud & AML systems together**

37% of banks are challenged with integrating their separate AML and fraud systems

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**Integrating real-time & batch processes**

43% of banks are challenged with unifying the mechanics of AML and Fraud

**Building a compelling business case**

83% of responders struggle with proving the business value of a FRAML approach

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## In order for mid-market financial institutions to reap the benefits of fraud and AML convergence, they need **a solution built to enable a true FRAML approach**

#### The Unsustainable Way

- Siloed data storing and processing
- Fragmented insights that are hard to interpret
- Limited investigator clarity and black-box alerting based on partial information
- Lack of agility and lag in adapting to regulatory changes
- Operational inefficiencies and inefficient distribution of resources across teams

#### The Hawk Way

- Shared data, used across use cases
- Consolidated insights for faster, informed decisions
- White-box, explainable AI for quick, substantiated decision-making
- Agile and versatile system, with real-time, on-demand, and batch optionality
- Optimized, consolidated resources across fraud and AML teams

**3-5x**

**Higher Precision**

**70%**

**False Positive Reduction**

**$1-5M**

**Estimated cost savings in the first 5 years**

### Address risks at speed

​Hawk blocks suspicious transactions in true real-time (200ms), allowing you to optimize rule coverage with self-serve rule configuration and sandbox testing.

### Strengthen defenses without adding complexity

​Sharpen threat detection and slash false positives with AI. The clarity of the explanations simplifies investigations and significantly improves decision-making.

### Streamline Operations

Reduce maintenance and accelerate investigations with a single, consolidated system.