Information sharing in fincrime prevention: what you might be missing

Financial crime is always evolving, with fraudsters moving fast across borders, exploiting gaps between banks, fintechs, and payment providers. Meanwhile, compliance concerns often limit collaboration, making it harder to connect the dots in real time.

One of the most effective ways to close these gaps is better intelligence. By alerting each other to suspicious transactions, financial institutions can spot emerging fraud patterns and stop stolen money before it moves out of reach.

Intelligence sharing helps financial institutions act on highly accurate insights, stopping fraud before funds disappear.

The difference between data and intelligence in financial crime

Financial institutions generate a vast amount of raw data, but without structure, it’s difficult to interpret and act on. Data only becomes useful when it’s structured into information—for example, turning a long list of all transactions into a shorter list of flagged transactions. But even this has limitations.

Intelligence emerges when patterns are identified and connected, so that fincrime teams can detect fraud before it’s too late. “With intelligence sharing, it’s not about exchanging massive datasets,” Taavi Tamkivi, CEO and Co-founder of Salv, explains. “Sharing verified, high-confidence insights helps fincrime teams act immediately. One row of intelligence is worth more than a thousand rows of raw data.”

Why intelligence sharing matters

No single organisation can see the full picture of a fraud network. Transactions that look legitimate in one bank might look suspicious when viewed across multiple institutions. Without collaboration and intelligence sharing, these patterns remain hidden.

By sharing intelligence, financial institutions can:

• Reduce false positives: High-confidence insights help separate real threats from noise
• Detect fraud faster: Intelligence sharing allows organisations to act in real time
• Recover stolen funds: Early detection means funds can be blocked before they disappear

“One row of intelligence is worth more than a thousand rows of raw data.” – Taavi Tamkivi, CEO & Co-founder, Salv

Despite the benefits, concerns over data privacy and compliance have slowed adoption. However, intelligence sharing does not mean exposing sensitive customer data. As Taavi explains, “Banks don’t need to exchange personally identifiable information (PII) to collaborate. Both institutions already have the same transaction records—intelligence sharing simply connects the missing pieces.”

Article 75 lays the path for fincrime information sharing

Article 75 of the EU’s Anti-Money Laundering Regulation is a major step forward, providing a legal framework for intelligence sharing. It ensures financial institutions can collaborate within defined guidelines while staying compliant with data protection laws.

But regulation alone won’t solve the problem. Financial institutions need the right technology to make intelligence sharing seamless and scalable.

How Salv Bridge enables secure intelligence sharing Traditional intelligence-sharing methods, like suspicious activity reports, are too slow, making them unable at stop fraud in real-time.

Salv Bridge is built for this exact challenge. It enables financial institutions to:

• Share verified fraud intelligence in real time: Not raw data, but actionable insights.
• Detect and prevent fraud collaboratively: Trusted institutions work together to stop crime.
• Ensure compliance: No unnecessary customer data is exchanged, reducing regulatory risks.

With over 90% of alerts through Salv Bridge proving to be true positives, it’s clear that intelligence sharing works. For more on how it works, check out the Bridge brochure here.

Act now to start information sharing

Criminals collaborate so financial institutions must too. Intelligence sharing allows banks and fintechs to move from reactive fraud detection to proactive prevention, reducing financial losses and protecting customers.

Regulations like Article 75 provide the legal framework, and platforms like Salv Bridge make intelligence sharing a reality.

“The key is to make intelligence sharing as simple as possible,” says Taavi. “Narrow the scope, keep the data points minimal, and focus only on high-confidence cases.”

Collaboration isn’t just an advantage. It’s how the industry beas financial crime. Join the next Bridge cohort to get started.