Why Tomorrow’s Risk Function Won’t Look Like Today’s: The Future of Non-Financial Risk & Controls Across the 3 Lines

Insights from XLoD Global – London 2026

XLoD Global – London 2026 brought together 883 attendees from financial institutions, technology providers, and consultancy firms to examine how AI, operational resilience, and the evolution of the three lines of defense are reshaping non-financial risk management.

This year, the conversation moved from whether to use AI in surveillance to whether firms have the data foundation to trust it, with fragmented communications data and the case for AI-augmented analysts emerging as defining themes. These are the exact challenges Verint Financial Compliance was built to solve.

At the event, Verint joined forces with IPC, Luware, and Wordwatch as Verint Compliance Alliance, showcasing how financial institutions can connect communications capture, recording, governance, analytics, and AI-powered insights to create a more trusted foundation for compliance and risk management.

This report highlights key takeaways, including:

• 78% of firms name unapproved/off-channel messaging as their biggest e-comms surveillance blind spot – with fragmented, siloed data continuing to undermine surveillance effectiveness.
• 66% say better integration between voice, e-comms, trade, and other data would most improve the effectiveness of communications surveillance, more than any other factor.
• Surveillance is no longer judged by how much it monitors, but by how well it proves it works: speakers argued the future belongs to firms that combine AI, governance, and behavioural indicators into demonstrably more effective risk management.
• 95% of attendees believe AI will be the most transformative tool in trade surveillance over the next five years. 45% [DD1.1]still say too many lexicons and too little AI are currently holding communications surveillance back, with false positives remaining a top surveillance headache after data quality.

Download the report to explore the full insights shaping the future of compliance, communications surveillance, and AI-enabled risk management.