This year marked a significant shift in how we think about treasury software, mainly owing to the increased focus on security and compliance.
According to the 2025 AFP Payments Fraud Survey, 79% of organizations experienced attempted or actual payment fraud. Meanwhile, treasury teams are navigating mandatory ISO 20022 migrations, evolving sanctions requirements, and increasingly sophisticated fraud schemes, often with the same headcount they had years ago.
At TIS, we spent 2025 building solutions for these exact pressures: staying compliant, audit-ready, and fraud-resistant without requiring treasury teams to turn into compliance experts or add manual checkpoints to every workflow.
Compliance without compromise
According to recent industry research, regulatory compliance consistently ranks in the top three concerns for treasury professionals, alongside liquidity management and fraud prevention. The challenge isn’t awareness —everyone knows ISO 20022 matters, that fraud is evolving, that audit trails need to be bulletproof. The real challenge is execution.
Here’s what we keep hearing from treasurers: “I know we need better fraud controls, but I can’t afford another system my team won’t use.” While treasury leaders identify ISO 20022 compliance as a critical priority, many cite resource constraints and competing digital transformation initiatives as significant implementation barriers.
If you’re still running legacy address formats, relying on unstructured remittance data, or manually converting between MT and MX messages, you’re not just behind schedule, you’re operating with infrastructure that’s actively being phased out. These aren’t technology problems, they’re operational reality problems.
And that’s where we focused our development energy in 2025.
Key releases: A wrap up
The PLAN Framework
The key releases of the year fall into what we call the PLAN framework, with compliance sitting at the core of it all. We organized everything around four pillars that represent the main pain points for treasurers:
P for Protect Against Fraud
We rolled out Anomaly Detection that flags suspicious payment patterns before they execute. Not after. Not during some monthly review. The TIS system learns what normal looks like for your business and catches the outliers such as duplicate vendors, unusual amounts, first-time payments to new countries.
The Anomaly Detection feature in the TIS platform runs automatically on every payment based on customizable rules specific for your organization. It can analyze payment patterns to better safeguard your payment operations and prevent financial losses from fraudulent payments and unauthorized transactions by identifying payments that are out of the ordinary for your organization.
This matters now more than ever. AI-generated fraud is getting good at mimicking legitimate requests, with cyber attackers using machine learning tools, paving way for sophisticated techniques such as voice cloning, email spoofing that passes authentication and fake vendor portals. Our Anomaly Detection runs automatically on every payment, learning continuously from your actual transaction history.
Account Validation finally solves the “Is this payment going to the right place?” question. It’s verification before execution, not cleanup after the fact. With Verification of Payee support, you’re not only monitoring in our systems the mismatch caused by incorrect recipient details, you’re confirming accuracy before the money moves. Account Validation adds another layer of security to your payments by ensuring that the payee is the correct recipient. This pre-screening service enhances security, compliance, and operational efficiency for corporate clients.
L for Lead in Regulatory Readiness
ISO 20022 isn’t just a format change, it’s a fundamental shift in how payment data moves through the global financial system. More structured data means better fraud detection, better sanctions screening, better audit trails. But only if you can actually get your data into the right format without breaking your existing workflows.
ISO 20022 isn’t going away, and neither are the challenges it creates. Although SWIFT’s November 2025 deadline came and went, plenty of organizations are still scrambling with parallel processing, format translations, and data structure challenges.
At TIS, we built Bank Statement Translation and Postal Address Mapping to handle the format conversions automatically. Your legacy address data gets structured correctly and old MT formats translate to MX. Automatic translation maintains payment flows and operational continuity during SWIFT migration, while you figure out your broader migration strategy.
A for Automate Compliance Workflows
Segregation of Duties got a proper implementation—no single person can create, approve, and release payments across your legal entities. This isn’t new conceptually, but enforcement matters more when fraud attempts are getting sophisticated enough to compromise individual accounts.
We also added a Blocklist Prohibited Words capability to catch compliance landmines in remittance fields before they reach your banks. Sanctions lists update constantly. Geographic restrictions change overnight. Your payment shouldn’t fail at the bank because someone included prohibited terms.
Then there’s Machine Learning Forecast for Accounts Receivable, which is live for pilot customers. The system learns your customers’ actual payment behavior instead of relying on rule management that’s likely out of date. Better forecasting means better liquidity management, which means fewer emergency funding decisions—decisions that get made too quickly and create fraud vulnerabilities.
N for Navigate Global Standards
The complexity isn’t going away. If anything, it’s accelerating. Regulatory requirements multiply. Cross-border payment standards evolve. Fraud techniques adapt faster than most security teams can keep up. You need infrastructure that handles all of it without requiring a team of specialists to oversee every update.
The Bigger Picture
When fraud prevention, regulatory readiness, and audit preparedness work correctly, they disappear into the background. Your team executes payments confidently. Your auditors find what they need. Your CFO sleeps
better.
And right now, that matters more than it has in years. AI-powered fraud isn’t some future threat, it’s happening now. ISO 20022 isn’t a nice-to-have migration anymore, it’s mandatory infrastructure. The organizations that get this right aren’t necessarily the ones with the biggest budgets or the most specialized teams. They’re the ones with systems that handle the complexity automatically, so their team can focus on actual treasury decisions instead of compliance firefighting.
That’s what we’re building toward. A useful roadmap that prioritizes our needs now that AI fraud is getting significantly easier through AI Payments. If you’re curious about any of these features or want to understand how they apply to your treasury operations, reach out to your account manager or get in touch through our website.
