The Silverlocks Compass - Anti Money Laundering |A Governance Guide to the Future of Financial Crime

About the Book

What happens when artificial intelligence changes the way financial crime is detected, prevented and committed?

The Silverlocks Compass is a practical guide to AML governance in the age of AI, designed for directors, audit and risk committees, compliance leaders, and financial-crime professionals.

Drawing on the Indian regulatory environment, including the PMLA and FIU-IND framework, the book explores how AI, financial crime, risk management, technology, and corporate governance are reshaping AML.

At its heart is the Goldilocks principle of proportion—finding the right balance between controls that are too weak and those that are unnecessarily excessive, while ensuring AML frameworks remain effective and risk-appropriate.

• AML governance and resilience in the AI era
• Board, director, audit and risk committee accountability
• AI-enabled financial crime detection and compliance
• Risk-based and proportionate AML controls
• PMLA and FIU-IND considerations
• The intersection of AI, financial crime and governance
• Practical perspectives for AML, risk and compliance leaders
• Building resilient AML frameworks for emerging risks

The Silverlocks Compass moves AML beyond routine compliance and into the boardroom—where accountability, oversight, and strategic risk decisions ultimately reside.

About the Author

Dr. John Mathews, DBA, CM-IRM, CAMS, is a financial crime, anti-money laundering, and risk-management professional focused on the evolving challenges of AML governance and compliance.

With experience across the financial-services and compliance ecosystem, he brings together perspectives on AML, risk, governance, and technology. The Silverlocks Compass is his second book, following The Goldilocks Approach to Anti-Money Laundering.

Dr. Mathews holds the professional credentials DBA, CM-IRM, and CAMS and supports the Sameer Tanna Foundation, which works to create educational opportunities for underprivileged children in India.

This book is written for those responsible for AML governance who must ask one critical question: Is the organisation truly prepared for the next generation of AI-driven financial crime?