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2024 Annual Financial Crime Landscape Report - Philippines
The Philippines stands at a crucial juncture in its fight against financial crime, navigating a landscape shaped by rapid economic growth, digital transformation, and persistent vulnerabilities in key sectors. In 2024, the country made significant strides in implementing regulatory reforms, including enhanced supervision of high-risk industries such as DNFBPs and casino junket operations and enforcing new registration requirements for MVTS providers. These efforts, acknowledged by the Financial Action Task Force (FATF), reflect a growing commitment to sustainable anti-money laundering (AML) and counter-terrorism financing (CFT) measures. However, financial institutions face growing pressure to adapt quickly, strengthening their detection and compliance capabilities to keep pace with increasingly sophisticated criminal tactics.This whitepaper draws on expert insights from the Anti-Financial Crime (AFC) Ecosystem and incorporates inputs from members of the Association of Bank Compliance Officers (ABCOMP). These insights are further validated with findings and reports from the Securities and Exchange Commission (SEC), the Anti-Money Laundering Council (AMLC), and the Philippine National Police Anti-Cybercrime Group. It provides an in-depth view of these trends and outlines a path forward for financial institutions and regulators. By addressing these vulnerabilities with informed, strategic actions, the Philippines has the opportunity to both comply with FATF standards and establish a strong defence against the financial crimes undermining its economic and social fabric.Download your copy today and take the first step toward smarter, safer payments.
Our Thought Leadership Guides
Q1 2026 FinCrime Landscape Report | ANZ
Financial crime across Australia and New Zealand is becoming harder to detect, not because it is always hidden in complex structures, but because it is often embedded within ordinary financial behaviour.
This report focuses on two key themes shaping the ANZ financial crime landscape in Q1 2026: romance scams and elder financial abuse. Both typologies exploit trust, unfold gradually, and move funds through digital banks, e-wallets, instant payments, merchant channels, and traditional banking products.
Inside the report, you will find practical scenarios, transaction-level red flags, KYC/CDD indicators, and recommendations to help financial institutions strengthen detection, protect vulnerable customers, and move beyond rule-based monitoring towards connected, pattern-based intelligence.
Download the report to explore the emerging financial crime scenarios shaping Australia and New Zealand in 2026.
Q4 2025 FinCrime Landscape Report | Australia
The Q4 2025 Australia Financial Crime Landscape Report highlights a clear shift from isolated fraud events to coordinated, cross-platform schemes that exploit digital speed, institutional trust, and legitimate financial products. Financial crime during the quarter increasingly relied on routine processes across payments, gambling platforms, and corporate workflows to disguise illicit value flows.
Two dominant themes shaped the quarter: online gambling–enabled laundering and persistent, adaptive account takeover (ATO) fraud. Criminal actors used low-risk betting patterns, prepaid instruments, and rapid withdrawal cycles to convert illicit funds into apparently legitimate winnings. At the same time, ATO schemes targeted payroll systems, supplier payment processes, and corporate approval hierarchies to divert and layer funds across domestic and cross-border rails.
These developments reflect a broader systemic challenge: ordinary financial activity can be structured into credible laundering pathways that closely resemble legitimate behaviour. Insights in this report are derived from scenario analysis conducted through the AFC Ecosystem, reflecting real-world observations shared by financial crime professionals across Australia’s banking and payments sector.
Q4 2025 FinCrime Landscape Report | Philippines
The Q4 2025 Philippines Financial Crime Landscape Report highlights a marked shift in how corruption-linked financial crime manifests across the country’s public-works and infrastructure sector.
Rather than isolated cases of tender manipulation or inflated billing, financial crime observed during the quarter reflects systemically embedded practices that begin upstream, at the budget formulation and appropriation stage, before flowing through complex procurement, subcontracting, and payment networks. These patterns increasingly resemble legitimate infrastructure activity, making detection significantly more challenging for financial institutions.
Insights in this report are derived from analysis conducted through the AFC Ecosystem in collaboration with ABCOMP, reflecting real-world observations shared by compliance professionals operating across the Philippine banking sector.
Q1 2026 FinCrime Landscape Report | ANZ
Financial crime across Australia and New Zealand is becoming harder to detect, not because it is always hidden in complex structures, but because it is often embedded within ordinary financial behaviour.
This report focuses on two key themes shaping the ANZ financial crime landscape in Q1 2026: romance scams and elder financial abuse. Both typologies exploit trust, unfold gradually, and move funds through digital banks, e-wallets, instant payments, merchant channels, and traditional banking products.
Inside the report, you will find practical scenarios, transaction-level red flags, KYC/CDD indicators, and recommendations to help financial institutions strengthen detection, protect vulnerable customers, and move beyond rule-based monitoring towards connected, pattern-based intelligence.
Download the report to explore the emerging financial crime scenarios shaping Australia and New Zealand in 2026.
Q4 2025 FinCrime Landscape Report | Australia
The Q4 2025 Australia Financial Crime Landscape Report highlights a clear shift from isolated fraud events to coordinated, cross-platform schemes that exploit digital speed, institutional trust, and legitimate financial products. Financial crime during the quarter increasingly relied on routine processes across payments, gambling platforms, and corporate workflows to disguise illicit value flows.
Two dominant themes shaped the quarter: online gambling–enabled laundering and persistent, adaptive account takeover (ATO) fraud. Criminal actors used low-risk betting patterns, prepaid instruments, and rapid withdrawal cycles to convert illicit funds into apparently legitimate winnings. At the same time, ATO schemes targeted payroll systems, supplier payment processes, and corporate approval hierarchies to divert and layer funds across domestic and cross-border rails.
These developments reflect a broader systemic challenge: ordinary financial activity can be structured into credible laundering pathways that closely resemble legitimate behaviour. Insights in this report are derived from scenario analysis conducted through the AFC Ecosystem, reflecting real-world observations shared by financial crime professionals across Australia’s banking and payments sector.
Q4 2025 FinCrime Landscape Report | Philippines
The Q4 2025 Philippines Financial Crime Landscape Report highlights a marked shift in how corruption-linked financial crime manifests across the country’s public-works and infrastructure sector.
Rather than isolated cases of tender manipulation or inflated billing, financial crime observed during the quarter reflects systemically embedded practices that begin upstream, at the budget formulation and appropriation stage, before flowing through complex procurement, subcontracting, and payment networks. These patterns increasingly resemble legitimate infrastructure activity, making detection significantly more challenging for financial institutions.
Insights in this report are derived from analysis conducted through the AFC Ecosystem in collaboration with ABCOMP, reflecting real-world observations shared by compliance professionals operating across the Philippine banking sector.