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:where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n1kx3xly.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><section class=\"nx-hero\" data-layout=\"ledger\" aria-labelledby=\"nx-title-1\"><div class=\"nx-container\"><div class=\"nx-theme-toggle\" role=\"group\" aria-label=\"Appearance of this page\" hidden><button type=\"button\" data-mode=\"light\" aria-pressed=\"false\">Light<\/button><button type=\"button\" data-mode=\"dark\" aria-pressed=\"false\">Dark<\/button><button type=\"button\" data-mode=\"auto\" aria-pressed=\"true\">Auto<\/button><\/div><div class=\"nx-folio\" aria-label=\"Document reference\"><strong>A-P08 \u00b7 INDEX \u00b7 topics<\/strong>GRA dossier \u00b7 service level R0<\/div><div class=\"nx-hero-grid\"><div class=\"nx-hero-text\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">GRA<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Financial Crime and Fraud Risk<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">In development<\/span><\/div><div class=\"nx-accent-row\"><span class=\"nx-accent-rule\" aria-hidden=\"true\"><\/span><span>Financial Crime and Fraud Risk \u00b7 Topics<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Topics<\/h1><p class=\"nx-tagline\">Topics at Financial Crime and Fraud Risk: the pages in this section are listed below, each with its own scope and status.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/payments-fraud\/\">Open Payments fraud <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/\">Back to Financial Crime and Fraud Risk<\/a><\/div><\/div><div class=\"nx-hero-panel\"><div class=\"nx-register\" data-variant=\"ledger\"><div class=\"nx-register-head\"><span class=\"nx-eyebrow\"><strong>Financial Crime and Fraud Risk<\/strong><\/span><span class=\"nx-eyebrow\">Register<\/span><\/div><ol class=\"nx-register-rows\"><li><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/payments-fraud\/\"><span class=\"nx-register-n\">01<\/span><span class=\"nx-register-k\">Topic<\/span><span class=\"nx-register-v\">Payments fraud<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/identity-fraud\/\"><span class=\"nx-register-n\">02<\/span><span class=\"nx-register-k\">Topic<\/span><span class=\"nx-register-v\">Identity fraud<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/money-laundering-risk\/\"><span class=\"nx-register-n\">03<\/span><span class=\"nx-register-k\">Topic<\/span><span class=\"nx-register-v\">Money laundering risk<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/suspicious-activity-controls\/\"><span class=\"nx-register-n\">04<\/span><span class=\"nx-register-k\">Topic<\/span><span class=\"nx-register-v\">Suspicious activity controls<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/consumer-scams\/\"><span class=\"nx-register-n\">05<\/span><span class=\"nx-register-k\">Topic<\/span><span class=\"nx-register-v\">Consumer scams<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/financial-sanctions-risk\/\"><span class=\"nx-register-n\">06<\/span><span class=\"nx-register-k\">Topic<\/span><span class=\"nx-register-v\">Financial sanctions risk<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/cyber-enabled-financial-crime\/\"><span class=\"nx-register-n\">07<\/span><span class=\"nx-register-k\">Topic<\/span><span class=\"nx-register-v\">Cyber enabled financial crime<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/financial-crime-data-rights\/\"><span class=\"nx-register-n\">08<\/span><span class=\"nx-register-k\">Topic<\/span><span class=\"nx-register-v\">Financial crime data rights<\/span><\/a><\/li><\/ol><p class=\"nx-register-foot\">GRA \u00b7 In development \u00b7 service level R0<\/p><\/div><\/div><\/div><\/div><\/section> <nav class=\"nx-index-strip\" data-nx-spy=\"true\" aria-label=\"On this page\"><div class=\"nx-container\"><a href=\"#nx-sec-brief-answer\"><span>01<\/span>The short answer<\/a><a href=\"#nx-sec-about-this-section\"><span>02<\/span>Topics at Financial Crime and Fraud\u2026<\/a><a href=\"#nx-sec-pg-nx-gra-a-p08-tp\"><span>03<\/span>Financial Crime and Fraud Risk\u2026<\/a><a href=\"#nx-sec-terms\"><span>04<\/span>Terms used on this page<\/a><a href=\"#nx-sec-pg-sources\"><span>05<\/span>Where this page's references lead<\/a><a href=\"#nx-s-7-sec\"><span>06<\/span>Pages in Topics<\/a><\/div><\/nav> <section id=\"nx-sec-brief-answer\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">In brief<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">The short answer.<\/h2><p class=\"nx-lede\">The Financial Crime and Fraud Risk topics are the eight subject dossiers of its field, among them payments fraud, identity fraud and money laundering risk. Each dossier sets out how the risk develops, what is measured and in which units, the public sources and their licences, the methods, who decides and the limits of the evidence.<\/p><\/div><\/div><\/section><section id=\"nx-sec-about-this-section\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" data-variant=\"stack\" aria-labelledby=\"nx-s-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">About this section<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Topics at Financial Crime and Fraud Risk.<\/h2><p class=\"nx-lede\">GRA is a nonprofit business league for the financial services industry. It does not lend, underwrite, rate, invest, advise on or arrange transactions, and readiness work is not approval.<\/p><\/div><\/div><\/section><section id=\"nx-sec-pg-nx-gra-a-p08-tp\" class=\"nx-section\" data-hue=\"project\" data-variant=\"stack\" aria-labelledby=\"nx-s-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Topic map<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Financial Crime and Fraud Risk topics, and the question each answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><ul class=\"nx-dir\" data-cols=\"2\" aria-label=\"Topic\"><li><a class=\"nx-dir-row\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/payments-fraud\/\"><span class=\"nx-dir-name\">Payments fraud and APP scams<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">The question<\/span><span class=\"nx-dir-v\">Payments fraud takes money through unauthorised transactions, such as stolen card use and account takeover, and through authorised push payment fraud, where victims are tricked into sending funds.<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/identity-fraud\/\"><span class=\"nx-dir-name\">Identity fraud in financial services<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">The question<\/span><span class=\"nx-dir-v\">Identity fraud uses stolen, fabricated or impersonated identities to open accounts, take over existing ones and obtain credit.<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/money-laundering-risk\/\"><span class=\"nx-dir-name\">Money laundering risk and FATF<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">The question<\/span><span class=\"nx-dir-v\">Money laundering disguises the criminal origin of funds so they can be used freely.<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/suspicious-activity-controls\/\"><span class=\"nx-dir-name\">Suspicious activity reporting and AML<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">The question<\/span><span class=\"nx-dir-v\">Financial institutions must know their customers, monitor transactions and report suspicion to financial intelligence units.<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/consumer-scams\/\"><span class=\"nx-dir-name\">Consumer scams and financial harm<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">The question<\/span><span class=\"nx-dir-v\">Scams persuade people to hand over money or details: investment and crypto scams, romance scams, impersonation of banks, police or officials, and fake purchases.<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/financial-sanctions-risk\/\"><span class=\"nx-dir-name\">Financial sanctions risk and screening<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">The question<\/span><span class=\"nx-dir-v\">Financial sanctions freeze assets and restrict dealings with listed persons, entities and sometimes whole sectors or countries.<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/cyber-enabled-financial-crime\/\"><span class=\"nx-dir-name\">Cyber-enabled financial crime<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">The question<\/span><span class=\"nx-dir-v\">Cyber-enabled financial crime uses digital intrusion and deception to steal or extort: business email compromise, account takeover, ransomware payments and theft from crypto-asset platforms.<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/financial-crime-data-rights\/\"><span class=\"nx-dir-name\">Financial crime controls and data rights<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">The question<\/span><span class=\"nx-dir-v\">Financial crime controls collect, analyse and share large amounts of personal data, and can close accounts or block payments.<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><\/ul><\/div><p class=\"nx-p\">Topic pages in Financial Crime and Fraud Risk share one structure: mechanisms, indicators, sources, methods, decisions and limits, written for AML and fraud teams and sanctions specialists.<\/p><\/div><\/div><\/section><section id=\"nx-sec-terms\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"stack\" aria-labelledby=\"nx-s-5\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Key terms<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Terms used on this page.<\/h2><p class=\"nx-lede\">Each term as this page uses it. Where a standard-setting body defines the term, the wording follows that body.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Term<\/th><th scope=\"col\">Definition<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Term\">Unauthorised fraud<\/td><td data-label=\"Definition\">A payment made without the account holder's consent, such as with stolen card details.<\/td><\/tr><tr><td data-label=\"Term\">Synthetic identity<\/td><td data-label=\"Definition\">An identity created by combining real and fabricated details that may match no real person.<\/td><\/tr><tr><td data-label=\"Term\">Layering<\/td><td data-label=\"Definition\">Moving funds through complex transactions to obscure their criminal source.<\/td><\/tr><tr><td data-label=\"Term\">Suspicious activity report<\/td><td data-label=\"Definition\">A report by a regulated firm to its FIU about activity it suspects involves crime.<\/td><\/tr><tr><td data-label=\"Term\">Impersonation scam<\/td><td data-label=\"Definition\">A scam in which criminals pose as a bank, official or trusted contact to obtain money.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-pg-sources\" class=\"nx-section\" data-hue=\"infrastructure\" data-variant=\"stack\" aria-labelledby=\"nx-s-6\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sources<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">Where this page's references lead.<\/h2><p class=\"nx-lede\">The bodies and documents this page is read against. Status and editions change; each link goes to the issuing body.<\/p><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\"><li><a class=\"nx-link\" href=\"https:\/\/www.fatf-gafi.org\/en\/publications\/Fatfrecommendations\/update-Recommendation-16-payment-transparency-june-2025.html\">FATF Recommendations, including revised Recommendation 16 on payment transparency (June 2025; implementation by end-2030)<\/a><\/li><\/ul><\/div><\/div><\/section><section id=\"nx-s-7-sec\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" aria-labelledby=\"nx-s-7\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Pages<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">Pages in Topics.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cards\" data-cols=\"3\"><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/payments-fraud\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Payments fraud<\/h3><p class=\"nx-p nx-mt-1\">Fraud in digital transactions.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/identity-fraud\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Identity fraud<\/h3><p class=\"nx-p nx-mt-1\">Identity compromise and synthetic identities.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/money-laundering-risk\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Money laundering risk<\/h3><p class=\"nx-p nx-mt-1\">AML typologies and governance.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/suspicious-activity-controls\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Suspicious activity controls<\/h3><p class=\"nx-p nx-mt-1\">Investigation responsibility and safeguards.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/consumer-scams\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Consumer scams<\/h3><p class=\"nx-p nx-mt-1\">Scam harm and protective controls.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/financial-sanctions-risk\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Financial sanctions risk<\/h3><p class=\"nx-p nx-mt-1\">Due diligence and exclusion policies.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/cyber-enabled-financial-crime\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Cyber enabled financial crime<\/h3><p class=\"nx-p nx-mt-1\">Cyber\/fraud intersections.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/financial-crime-data-rights\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Financial crime data rights<\/h3><p class=\"nx-p nx-mt-1\">Sensitive data and privacy boundaries.<\/p><\/a><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-rel-8\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Related<\/span><h2 id=\"nx-rel-8\" class=\"nx-h3 nx-mt-2\">Around Financial Crime and Fraud Risk.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Related\"><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/about\/\">Industry scope and publisher <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/sector\/\">Financial discipline overview <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/research\/\">Professional research <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/innovation\/\">Technology and emerging practices <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/readiness\/\">Resilience and finance readiness <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/programmes\/\">Research and industry programmes <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/\">Financial Crime and Fraud Risk home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 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class=\"nx-closing\" aria-labelledby=\"nx-close-9\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Financial Crime and Fraud Risk<\/span><h2 id=\"nx-close-9\" class=\"nx-section-title\">Bring your expertise to this field.<\/h2><p class=\"nx-lede\">The current service level is R0: information and enquiries. 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