Banks urged to back orchestration to close security gaps

At EBAday 2026 in Copenhagen, Trevor LaFleche, director of global banking products at ACI Worldwide, urged banks to invest in orchestration across payment platforms to break operational silos and ensure fraud and anti-money-laundering checks run consistently.

LaFleche described orchestration as a control layer that links detection, screening and transaction routing so the same rules apply regardless of product line or channel. Examples include routing suspicious payments for investigation, applying identical AML screening to retail and wholesale flows, and letting fraud engines share signals in real time.

He pointed to developments within Wero and wider payment trends as areas where orchestration can streamline processes. LaFleche noted that fintech firms and payment processors are supplying tools that centralize rule management and automated decisioning, while many legacy banking platforms still rely on fragmented workflows and manual handoffs.

The call for greater orchestration comes as regulators raise expectations for AML controls and as criminals exploit gaps between channels. Banks are handling higher transaction volumes and more complex compliance requirements, which can increase the chance of missed or duplicate checks.

LaFleche observed, “Banks are still in a ‘siloed mode.'” He recommended that banks map duplicated checks, invest in centralized decisioning to shorten response times for suspicious activity reporting, and prioritize systems that enforce consistent controls across their technology estate.