--- title: Trends in the convergence of Fraud and AML at U.S. mid-market banks description: Access the Celent report and learn how modern U.S. banks are approaching the convergence of Fraud and AML within their processes --- [![hawk\_lp\_logo2](https://insights.hawk.ai/hs-fs/hubfs/hawk_lp_logo2.png?width=150&height=75&name=hawk_lp_logo2.png "hawk_lp_logo2")](https://www.hawk.ai) # Hawk GmbH # Hawk GmbH This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. - [Request a demo](https://insights.hawk.ai/contact-us-2) ##### Celent x Hawk Report ### Trends in Fraud & AML Convergence at US Mid-Market Banks & Credit Unions A comprehensive overview of how mid-market banks and credit unions in the United States are perceiving and approaching the convergence of fraud and AML [Download my copy](https://insights.hawk.ai/lp-framl-us-report-25-q2#bottompageform) ![Cover-mockup-D](https://insights.hawk.ai/hubfs/Cover-mockup-D.png "Cover-mockup-D") ![CelentLogo](https://insights.hawk.ai/hs-fs/hubfs/CelentLogo.png?width=2026&height=1060&name=CelentLogo.png) ![Hawk\_Logo Hawk Blue New](https://insights.hawk.ai/hs-fs/hubfs/Hawk_Logo%20Hawk%20Blue%20New.png?width=2026&height=1060&name=Hawk_Logo%20Hawk%20Blue%20New.png) --- ## More than half of US mid-market banks and credit unions see the **practical and economic value of a FRAML approach** and have already **taken steps in the direction of fraud and AML convergence** ![Entity resolution-w](https://insights.hawk.ai/hs-fs/hubfs/Entity%20resolution-w.png?width=100&height=100&name=Entity%20resolution-w.png)   **60%**   Have implemented **some degree of integration** between fraud and AML processes **![prevent-losses\_darkmode\_rgb](https://insights.hawk.ai/hs-fs/hubfs/Newsletter/icons/prevent-losses_darkmode_rgb.png?width=100&height=100&name=prevent-losses_darkmode_rgb.png)**   **77%**   Expect to **save over $1M within the first 5 years of convergence**, and over a third of responders expect the savings to exceed $5M  **![social media-w](https://insights.hawk.ai/hs-fs/hubfs/social%20media-w.png?width=100&height=100&name=social%20media-w.png)**   **53%**   Have merged at least some of their technology/systems ## Why is a FRAML approach becoming necessary? - ![Bild1](https://insights.hawk.ai/hs-fs/hubfs/Bild1.jpg?width=738&height=387&name=Bild1.jpg)   ## Pros of adopting a FRAML approach - ![Increased operational efficiencies](https://insights.hawk.ai/hs-fs/hubfs/Increased%20operational%20efficiencies.png?width=715&height=375&name=Increased%20operational%20efficiencies.png)   # Learn about the current state of FRAML in US mid-market banks and credit unions [Get the Trends](https://insights.hawk.ai/lp-framl-us-report-25-q2#bottompageform) ## Despite growing interest, most **financial institutions struggle with consolidating their fraud and AML efforts**, the main challenges being: ![warningsign2](https://insights.hawk.ai/hs-fs/hubfs/warningsign2.png?width=90&height=90&name=warningsign2.png)   **Siloed data & fragmented insight**   30% of banks report difficulties in consolidating their data **![warningsign2](https://insights.hawk.ai/hs-fs/hubfs/warningsign2.png?width=90&height=90&name=warningsign2.png)**   **Bolting fraud & AML systems together**   37% of banks are challenged with integrating their separate AML and fraud systems **![warningsign2](https://insights.hawk.ai/hs-fs/hubfs/warningsign2.png?width=90&height=90&name=warningsign2.png)**   **Integrating real-time & batch processes**   43% of banks are challeneged with unifying the mechanics of AML and Fraud ![warningsign2](https://insights.hawk.ai/hs-fs/hubfs/warningsign2.png?width=90&height=90&name=warningsign2.png)   **Building a compelling business case**   83% of responders struggle with proving the business value of a FRAML approach --- ## In order for mid-market financial institutions to reap the benefits of fraud and AML convergence, they need **a solution built to enable a true FRAML approach** #### The Unsustainable Way Siloed data storing and processing Fragmented insights that are hard to interpret Limited investigator clarity and black-box alerting based on partial information Lack of agility and lag in adapting to regulatory changes  Operational inefficiencies and inefficient distribution of resources across teams #### The Hawk Way Shared data, used across use cases Consolidated insights for faster, informed decisions White-box, explainable AI for quick, substantiated decision-making Agile and versatile system, with real-time, on-demand, and batch optionality Optimized, consolidated resources across fraud and AML teams  **3-5x**   **Higher Precision** **70%**   **False Positive Reduction** **$1-5M**   **Estimated cost savings in the first 5 years** ![Address risks at speed](https://insights.hawk.ai/hubfs/Screenshot%202025-01-28%20171010.png "Address risks at speed") ### Address risks at speed ​Hawk blocks suspicious transactions in true real-time (200ms), allowing you to optimize rule coverage with self-serve rule configuration and sandbox testing. ​ [Get a Demo](https://insights.hawk.ai/contact-us-2) ### Strengthen defenses without adding complexity ​Sharpen threat detection and slash false positives with AI. The clarity of the explanations simplifies investigations and significantly improves decision-making. ​ [See FRAML in action](https://insights.hawk.ai/contact-us-2) ![Strengthen defenses without adding complexity](https://insights.hawk.ai/hubfs/Screenshot%202025-01-28%20170947.png "Strengthen defenses without adding complexity") ![streamline operations](https://insights.hawk.ai/hubfs/Screenshot%202025-01-28%20171010.png "streamline operations") ### Streamline Operations Reduce maintenance and accelerate investigations with a single, consolidated system.​ [Request a Demo](https://insights.hawk.ai/contact-us-2)   ##### Celent x Hawk Report #### Trends in Fraud & AML Convergence at US Mid-Market Banks & Credit Unions **Discover:** **\>** How US mid-market banks and credit unions view and approach the convergence of fraud and AML **\>** The estimated ROI of a FRAML approach **\>** Pros & cons of consolidating your fraud and AML processes **\>** How to leverage AI for Fraud and AML © 2026 Hawk GmbH - [Our Website](https://hawk.ai/) - [Demo Request](https://hawk.ai/contact-us-0) - [Data Privacy](https://hawk.ai/data-privacy) - [Imprint](https://hawk.ai/imprint) [Follow us on LinkedIn](https://de.linkedin.com/company/hawk-ai-tech)