Description

A focused course, tailored for you

Building a Payments Fintech AI-Risk and Financial-Crime Programme (PSD3 + 6AMLD + Fraud + Sanctions)

Build the payments AI-risk programme from scratch in 12 weeks. PSD3 + 6AMLD + Wire Card-shaped fraud controls + sanctions tightening (OFAC, EU consolidated, UK OFSI).

Payments fintech C-levels are owning a programme that integrates PSD3 readiness, 6AMLD compliance, AI-driven fraud controls, and sanctions resilience into a single risk operating model. Firms with the programme keep their licences and rates; firms without lose both. Here is the 12-week build.

$199 one-time

Tailored to your situation. Access within 24 hours. 30-day money-back.

Includes a hand-built implementation playbook delivered alongside course access, generated for your specific situation.

Why this course

Payments fintechs face a stacked-up risk-and-compliance landscape: PSD3 + PSR1 in the EU rolling in 2026-2027, 6AMLD/EU AML Single Rulebook expanding obligations, fraud growing 15-30% annually and becoming AI-augmented, OFAC and EU consolidated and UK OFSI sanctions lists expanding, and prudential supervisors (FCA, BaFin, ACPR, MAS, Fed depending on charter) demanding integrated risk operating models.

C-level executives that own the integrated AI-risk-and-financial-crime programme directly own the firm's licensing posture, scheme relationships (Visa, Mastercard), and rate-card. Firms that wait for the next supervisory review to build the programme face restrictions, fines, and de-banking.

This course teaches the 12-week build: programme charter, PSD3 readiness mapping, 6AMLD and AML Single Rulebook overlay, AI-driven fraud-control architecture, sanctions resilience model, customer-due-diligence operating model, transaction-monitoring programme, supervisory-engagement protocol, and the integration with technology and operations. Twelve modules with deliverables. Plus a hand-built implementation playbook for your specific licensing posture.

What you walk away with

A documented programme charter integrating AI-risk and financial-crime.
A PSD3 + PSR1 readiness mapping.
A 6AMLD and AML Single Rulebook overlay.
An AI-driven fraud-control architecture.
A sanctions-resilience model (OFAC + EU + UK + UN).
A customer-due-diligence operating model.
A transaction-monitoring programme.
A supervisory-engagement protocol.
A 12-week build plan.

The 12 modules

Module 1. Payments AI-risk-and-financial-crime landscape 2026

Detailed walkthrough of PSD3 (Payment Services Directive 3) + PSR1 (Payment Services Regulation 1) for EU, the EU AML Single Rulebook (AMLR + AMLD 6 + AMLAR creating AMLA), FATF Recommendations updates, fraud landscape (APP fraud, mule networks, AI-augmented social engineering), OFAC + EU consolidated + UK OFSI sanctions framework, and prudential expectations by regulator (FCA, BaFin, ACPR, MAS, NYDFS Part 504).

Module 2. Programme charter and integrated operating model

Build the programme charter: integration of AI-risk, financial-crime, fraud, and sanctions into a single risk operating model. Governance structure: integrated risk committee, MLRO + CCO + CRO partnership, board-level risk-committee reporting cadence. The integrated operating model that beats the function-by-function silos.

Module 3. PSD3 + PSR1 readiness mapping

Build the PSD3 + PSR1 readiness mapping: strong customer authentication (SCA) refresh, fraud-reporting obligations, IBAN-name check requirement, open-finance reach extension, refund-and-liability allocation in fraud cases, and the licensing transition (PSD2 PI/EMI authorisation to PSD3 equivalent). Three worked PSD3 readiness assessments.

Module 4. 6AMLD and AML Single Rulebook overlay

Build the 6AMLD and AML Single Rulebook (AMLR) overlay: predicate-offence expansion, corporate-criminal-liability provisions, beneficial-ownership transparency (UBO registers), customer-due-diligence tightening, AMLA centralisation impact, and the operational-readiness model. The overlay that satisfies the EU + national-jurisdiction stacks.

Module 5. AI-driven fraud-control architecture

Build the AI-driven fraud-control architecture: feature engineering for transaction-level fraud detection (behavioural biometrics, device fingerprinting, network graph), model architecture (gradient-boosted + neural ensembles + graph neural networks), feedback-loop integration (fraud SARs, customer disputes, scheme chargebacks), explainability for regulatory review, and the model-risk-management overlay (SR 11-7 alignment). Three production architecture patterns.

Module 6. Sanctions resilience model

Build the sanctions resilience model: OFAC SDN list integration, EU consolidated list integration, UK OFSI list integration, UN consolidated list integration, scope determination (50% rule, ownership/control), real-time screening architecture, batch screening (KYC refresh, payment screening), name-matching algorithm tuning (false-positive rate vs false-negative rate), and the escalation workflow.

Module 7. Customer due diligence operating model

Build the CDD operating model: CDD-tier model (simplified for low-risk, standard for medium, enhanced for high-risk), PEP screening (politically exposed persons), adverse-media screening, beneficial-ownership verification, ongoing-monitoring cadence, periodic-refresh model, and the segregation-of-duties model. The operating model that meets supervisor expectations on customer-risk assessment.

Module 8. Transaction monitoring programme

Build the transaction-monitoring programme: rule-based monitoring (typology-driven), AI-augmented monitoring (unsupervised anomaly detection + supervised typology classifier), alert-triage workflow, case-management model, SAR (suspicious activity report) workflow with FinCEN/UK NCA/EU FIU integration, model-tuning cadence, and the false-positive-rate optimisation.

Module 9. Model-risk management for AI-risk models

Build the model-risk management framework: model inventory, model classification (high-risk per EU AI Act), validation methodology (Fed SR 11-7 + ECB TRIM + PRA SS1/23), challenger-model practice, ongoing-monitoring cadence, model-decommissioning process, and the integration with the operating-model risk governance.

Module 10. Supervisory engagement and licensing protection

Build the supervisory-engagement protocol: prudential supervisor engagement (FCA, BaFin, ACPR, MAS, NYDFS Part 504), scheme regulator engagement (Visa risk team, Mastercard risk), licensing-protection posture, breach-notification workflow, remediation-plan template, and the licensing-renewal preparation. The supervisor engagement that protects the licence.

Module 11. Technology and operations integration

Build the technology and operations integration: data-platform requirements (real-time + batch, sub-second latency for fraud), case-management platform selection (Actimize, FICO, SAS, NICE, Quantexa, ComplyAdvantage, Hawk AI), API and data-flow architecture, vendor-management framework, and the engineering operating model. The integration that makes the programme actually run.

Module 12. Your 12-week build plan

Week-by-week plan with weekly deliverables. Weeks 1-2: regulatory landscape + programme charter + integrated operating model. Weeks 3-4: PSD3 readiness + 6AMLD overlay. Weeks 5-6: AI-driven fraud-control architecture + sanctions resilience. Weeks 7-8: CDD operating model + transaction-monitoring programme. Weeks 9-10: model-risk management + supervisory-engagement protocol. Weeks 11-12: technology integration + board-of-directors approval. Deliverable: full programme launch pack.

How this addresses your situation

Specific modules that map to what you said you are dealing with.

Module 1 covers the landscape.

Module 2 covers the integrated operating model.

Modules 3 to 8 produce PSD3 mapping, 6AMLD overlay, fraud architecture, sanctions, CDD, and transaction-monitoring.

Modules 9 to 11 cover model-risk management, supervisory engagement, and tech integration.

Module 12 covers the 12-week build plan.

What you get with this course

The 12-module course delivered as text plus downloadable templates.
Templates for programme charter, PSD3 readiness mapping, 6AMLD overlay, fraud control architecture, sanctions resilience model, CDD operating model, transaction-monitoring programme, model-risk management, supervisory engagement, technology integration.
A hand-built implementation playbook generated for your specific licensing posture.
Three worked examples of integrated AI-risk programmes at peer payments fintechs.
Scripted talking points for the prudential supervisor engagement.

What you will have in hand by Day 1, Week 1, Month 1

Day 1: Programme charter scaffold drafted.

Week 4: PSD3 mapping + 6AMLD overlay built.

Week 8: AI-driven fraud architecture + sanctions resilience approved.

Week 12: Board-of-directors approval; programme launching.

Before and after

Before

Your firm runs financial-crime, fraud, sanctions, and AI-risk as separate functions. PSD3 is on the horizon. Supervisor scrutiny is escalating. Scheme relationships are under review.

After

An integrated AI-risk and financial-crime programme is running. PSD3 readiness is documented. 6AMLD overlay is in place. AI-driven fraud-control architecture is operational. Sanctions resilience is documented. CDD operating model is approved. Supervisory engagement is protective.

What happens if you do not address this

PSD3 implementation deadlines land 2026-2027. Supervisor expectations are tightening now. Fraud is growing. Firms without an integrated programme face restrictions, fines, scheme deboarding, and licence revocation.

Who it is for

For C-level executives, CCOs, MLROs, and risk-programme owners at payments fintechs, EMIs, banking-as-a-service providers, and licensed money-service businesses.

Who this is NOT for. Pure research roles. Firms with no payments licence. Pure technology firms.

How it arrives

Text-based course via LMS, plus downloadable templates and the hand-built implementation playbook.

Time investment. Roughly 22 hours of reading and 200 to 400 hours of team effort across the 12-week build.

Why $199 is the right number

External payments risk consultants charge $500K-$3M for integrated programme builds. Big4 risk advisory engagement runs $1M-$5M. Specialist financial-crime consultants charge $200K-$1M. Specialist law firms charge $1000-$1500 per hour. $199 buys the focused playbook plus the implementation document for your specific licensing posture.

FAQ

Will this replace hiring a payments risk consultant?

Partially. It teaches you the programme build. You may still want specialist input for novel sanctions screening tuning.

What if my firm holds an EMI rather than full PI/credit institution licence?

Module 3 covers EMI-specific PSD3 considerations.

Does this cover crypto-asset service provider (CASP) overlap under MiCA?

Module 1 covers MiCA + Transfer of Funds Regulation overlap.

What about US-specific overlays (BSA/AML, NYDFS Part 504, FinCEN expectations)?

Module 7 covers US-specific overlays alongside EU.

What is in the implementation playbook for me specifically?

A regulatory landscape mapping tailored to your firm's specific licensing posture; a programme charter scaffold matched to your operating context; a 12-week build plan.

30-day money-back guarantee. If after a week of working through the materials this is not what you needed, reply to the receipt email and a full refund is processed. No questions, no forms.

Within 24 hours your account in the learning environment is provisioned and the tailored implementation playbook is delivered alongside it.