The speed at which payment technologies are being adopted by both businesses and consumers is impressive. At the same time fraudsters are also learning and adopting these new technologies and turning the benefits of technology against financial institutions and their account holders. Financial institutions need to understand that their AML monitoring must account for new payment applications as well as dramatic shifts in payment behavior by clients and account holders. The session will focus on the questions financial institutions should be asking and answering as they develop or update their monitoring programs. From cyber threats to elder abuse, AML programs have to be more complex than ever before.