---
title: 2026 Fraud and AML Report
source_page: https://www.sardine.ai/whitepapers/fraud-aml-trends-2026
canonical: https://www.sardine.ai/whitepapers/fraud-aml-trends-2026
format: text/markdown
date: 2026-03-25T13:00:06.000Z
author: Sardine Team
description: Skip the predictions. This report breaks down what fraud and AML teams are actually dealing with, and how to respond.
---

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---

# 2026 Fraud and AML Report

**Author:** Sardine Team · **Published:** 2026-03-25T13:00:06.000Z

Skip the predictions. This report breaks down what fraud and AML teams are actually dealing with, and how to respond.

In 2025, fraud stopped behaving like a system of isolated incidents. Most security programs are still built for discrete events: a rule fires, a case is reviewed, and a team moves on. But this model fails against the continuous, distributed abuse we see today.
Sardine’s 2026 Fraud and AML report analyzes how fraud has evolved from individual attacks into highly coordinated operating systems. Our research highlights why legacy point solutions create gaps where fraudsters thrive and how "vendor sprawl" has become a primary vulnerability for the modern enterprise.
Inside, you’ll find:
Systemic frameworks for moving beyond isolated fraud controls
Interruption strategies that prioritize "time-to-action" over simple detection
Operational models for standing up payments fraud “fusion” cadences
Planning checklists for 2026 regulatory and agentic commerce shifts
Download now for all the insights.