Consumer banking preferences are changing – fast. People want to transact how and when they choose, without latency. In many ways, faster payments provide the opportunity to offer new experiences that extend the boundaries of both convenience and security.  But, how must financial crime defenses evolve in order to interpret more transactions, more data, and more channels, all in less time? While machine learning is certainly part of the solution, there is also an art to balancing the wide range of AI techniques with bank-specific policies designed to protect the consumer experience. It’s this balance that keeps defenses invisible; a protective force that only reveals itself when necessary. Getting there requires a counterintuitive approach based on expanding, not reducing, the volume and variety of data being scrutinized.