The End of the Beginning, Not the Beginning of the End: The Future of Non-Financial Risk & Controls Across the 3 Lines

Insights from XLoD Global – London 2025

XLoD Global – London 2025 brought together 827 attendees from financial institutions, technology providers, and consultancy firms to examine the rapidly evolving landscape of non‑financial risk, data governance, and the accelerating role of AI across the three lines of defense.

This year’s event placed particular emphasis on communications and voice surveillance, data foundations, and AI‑driven compliance – all areas where Verint® Financial Compliance™ continues to lead with proven, market‑ready solutions built for financial services.

This report highlights key takeaways, including:

• Regulators reinforced that AI is a tool, not an alibi, and firms remain fully responsible for outcomes and explainability across surveillance models.
• 48% of firms cite fragmented systems and data silos as their biggest data challenge, undermining surveillance effectiveness.
• In voice surveillance, 59% of institutions still rely on hybrid lexicon + AI models, with alert quality and false positives seen as the top challenge.
• Most risk functions (59%) are still in early AI stages yet expect AI to become the predominant force in communications surveillance within two years.

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