https://www.youngju.dev/blog 천천히 올바르게. AI Researcher & DevOps Engineer Youngju's tech blog. GPU/CUDA, LLM, MLOps, Kubernetes AI workloads, distributed training, and data engineering. ko fjvbn2003@gmail.com (Youngju Kim) fjvbn2003@gmail.com (Youngju Kim) Sat, 16 May 2026 00:00:00 GMT https://www.youngju.dev/blog/culture/2026-05-16-ai-fraud-aml-2026-sardine-unit21-hawk-ai-complyadvantage-sumsub-persona-alloy-featurespace-feedzai-deep-dive.en https://www.youngju.dev/blog/culture/2026-05-16-ai-fraud-aml-2026-sardine-unit21-hawk-ai-complyadvantage-sumsub-persona-alloy-featurespace-feedzai-deep-dive.en In February 2024, a finance staffer at engineering firm Arup’s Hong Kong office wired USD 25 million in 15 transactions after a video call with their CFO and other executives — every participant on the call was a deepfake. The same year, North Korea’s Lazarus group stole USD 1.4B from crypto exchanges, and the FBI tagged "pig butchering" losses at roughly USD 5B annually. The AI fraud detection and AML industry exploded in response. Sardine, Unit21, and Hawk AI dominate the modern fintech stack; Visa acquired Featurespace for around USD 1B in September 2024; the EU’s AML Authority (AMLA) opened its Frankfurt headquarters in 2025. In KYC, Sumsub, Persona, and Alloy are scaling fast. In crypto, Chainalysis, TRM Labs, and Elliptic track Lazarus and friends. Korea’s Toss Bank / Kakao Bank / NICE Information Service stack and Japan’s NTT DATA / NEC / Fujitsu plus Mitsubishi UFJ’s Hawk AI pilot are redrawing the regional map. This guide walks through 70+ tools, laws, and real incidents in one pass. Sat, 16 May 2026 00:00:00 GMT fjvbn2003@gmail.com (Youngju Kim) fraud-detectionamlsardineunit21hawk-aicomplyadvantagesumsubpersonaalloyfeaturespacefeedzainice-actimizeenglish https://www.youngju.dev/blog/culture/2026-05-16-ai-fraud-aml-2026-sardine-unit21-hawk-ai-complyadvantage-sumsub-persona-alloy-featurespace-feedzai-deep-dive.ja https://www.youngju.dev/blog/culture/2026-05-16-ai-fraud-aml-2026-sardine-unit21-hawk-ai-complyadvantage-sumsub-persona-alloy-featurespace-feedzai-deep-dive.ja 2024年2月、英国エンジニアリング企業Arupの香港事務所の経理担当者は、CFOと他の役員が参加するビデオ会議に応じ、2,500万USDを15回に分けて送金した。参加者全員がディープフェイクで、本物のCFOはロンドン本社にいた。同年、北朝鮮のLazarusグループは仮想通貨取引所から14億USDを盗み、米国FBIは「豚屠殺(pig butchering)」詐欺の損失を年間およそ50億USDと推定した。これに対応してAI不正検知・AML業界が爆発的に拡大した。Sardine・Unit21・Hawk AIはモダンFintech向けプラットフォームを確立し、2024年9月にVisaが約10億USDでFeaturespaceを買収。EU AML当局(AMLA)はフランクフルトに本部を開設した。KYC領域ではSumsub・Persona・Alloyが急成長、仮想通貨ではChainalysis・TRM Labs・EllipticがLazarusを追跡している。韓国はトス銀行・カカオバンク・NICE情報通信のFDSスタックが、日本はNTTデータ・NEC・富士通と三菱UFJのHawk AI採用が新しい構図を作っている。本稿は70以上のツール・法令・実際の事件を一気通貫で整理する。 Sat, 16 May 2026 00:00:00 GMT fjvbn2003@gmail.com (Youngju Kim) fraud-detectionamlsardineunit21hawk-aicomplyadvantagesumsubpersonaalloyfeaturespacefeedzainice-actimize日本語 https://www.youngju.dev/blog/culture/2026-05-16-ai-fraud-aml-2026-sardine-unit21-hawk-ai-complyadvantage-sumsub-persona-alloy-featurespace-feedzai-deep-dive https://www.youngju.dev/blog/culture/2026-05-16-ai-fraud-aml-2026-sardine-unit21-hawk-ai-complyadvantage-sumsub-persona-alloy-featurespace-feedzai-deep-dive 2024년 2월 Arup의 홍콩 지사 직원이 가짜 CFO 화상회의에 속아 2,500만 USD를 송금한 사건은 부정거래 산업의 분수령이었다. 같은 해 북한 Lazarus 그룹은 암호화폐 거래소에서 14억 USD를 훔쳤고, 미국 FBI는 "돼지 도살(pig butchering)" 사기 손실을 연간 50억 USD로 추정했다. 그 사이에 AI 부정거래 탐지·AML 산업이 폭발했다. Sardine, Unit21, Hawk AI는 모던 핀테크용 플랫폼으로 자리잡았고, Visa는 2024년 9월 Featurespace를 인수했으며, EU AML Authority(AMLA)는 프랑크푸르트에 본부를 차렸다. KYC에서는 Sumsub·Persona·Alloy가 빠르게 성장 중이고, 암호화폐에서는 Chainalysis·TRM Labs·Elliptic이 NK 해커들을 추적한다. 한국은 토스뱅크·카카오뱅크·NICE 정보통신 FDS 스택이, 일본은 NTTデータ·NEC·Fujitsu와 三菱UFJ의 Hawk AI 도입이 새 그림을 그리고 있다. 이 글은 70여 개 도구·법규·실제 사고를 한 호흡에 정리한다. Sat, 16 May 2026 00:00:00 GMT fjvbn2003@gmail.com (Youngju Kim) fraud-detectionamlsardineunit21hawk-aicomplyadvantagesumsubpersonaalloyfeaturespacefeedzainice-actimize