Sarah Okonkwo
Risk & Compliance Editor at AIFI
Sarah covers risk management, insurance, and compliance technology. She spent a decade in financial crime compliance at two tier-one banks before moving to research and writing. She brings an operator's perspective to how AI tools perform under real regulatory pressure and production workloads.
Articles by Sarah Okonkwo(6)
Cyber Insurance and AI: How Machine Learning Prices Digital Risk
The cyber insurance market hit $14 billion in premiums in 2024 and is growing at 25% annually. The fundamental problem: pricing risk when the threat changes faster than actuarial tables can be updated.
AI in Debt Collection: How Machine Learning Is Replacing the Phone Call
The US consumer debt collection industry contacts over 70 million people per year. A new generation of companies is using ML to determine when, how, and whether to reach out, with measurably better recovery rates and fewer complaints.
RegTech in 2025: How AI Automates Regulatory Reporting and Compliance
Global banks spend over $270 billion annually on compliance. Most of that budget goes to manual processes that AI can partially automate, but the gap between vendor promises and production reality remains wide.
AI Identity Verification in 2025: The New KYC
Opening a bank account used to take 30 minutes in a branch. AI-powered identity verification now does the same job in under 10 seconds using document AI, biometric matching, and device intelligence.
Graph Analytics in Financial Crime: Mapping Money Laundering Networks
Money laundering is a network behavior, and spreadsheets can't see networks. Graph analytics traces transaction webs across accounts, entities, and jurisdictions to expose patterns that tabular models miss.
The False Positive Problem: How AI Is Fixing AML Alert Overload
Banks spend $25-35 billion annually on AML compliance, with false positive rates above 95%. Machine learning models that baseline behavior and analyze transaction networks are cutting that rate in half.