EP 19: AI and Automation Compliance in Fintech Company: What Scales, What Shouldn't

Ctrl+Shifter Podcast

EP 19: AI and Automation Compliance in Fintech Company: What Scales, What Shouldn’t

October 6, 2026

In this episode of Ctrl + Shifter, we sit down with Eoin Kearns, Head of Compliance, AML & MLRO for MoonPay’s European operations, to discuss how AI and automation are reshaping compliance in fast-growing fintech environments.

Eoin shares where automation can help compliance teams scale, which decisions still require human judgment, and why accountability, explainability, governance, and oversight remain essential when using AI in regulated environments.

Timestamp

00:00 Introduction

00:45 Podcast & Guest Introduction

02:50 AI in Compliance - Before and After

10:09 Reducing False Positives with AI

13:46 Human Oversight in AI

16:56 Practical AI Use Cases

21:33 The Future of AI and Regulation

25:05 AI Risks and Quantum Computing

AI can transform compliance by automating repetitive processes, analyzing complex risk patterns, reducing false positives, and helping teams make faster, more informed decisions. However, in high-risk areas such as KYC, AML, fraud investigations, and regulatory reporting, technology should support not replace human judgment.

About Our Guest Speaker

Eoin Kearns

Head of Compliance, AML & MLRO for MoonPay’s European operations

Eoin Kearns is Head of Compliance, AML, and MLRO for MoonPay’s European operations, with deep expertise in crypto compliance, AML/CTF, VASP regulation, MiCA, and the EU Travel Rule. Previously Head of Compliance at Crypto.com, he has extensive experience building compliance frameworks for fast-growing crypto, fintech, and payments businesses, covering onboarding, transaction monitoring, unhosted wallets, regulatory reporting, and post-authorisation operations. His expertise is primarily focused on the crypto industry.

MoonPay simplifies access to buy, sell and trade crypto using everyday payment methods like cards, Apple Pay, PayPal and Venmo, while also providing simple tools to send, receive and manage stablecoins. Whether you are new to digital money or a company exploring new ways to use it, MoonPay provides the trusted infrastructure to onboard users into the blockchain-based financial ecosystem safely and seamlessly. With nearly 30 million customers and powering the infrastructure for nearly 500 companies across the decentralized economy, MoonPay is a key driver behind mainstream crypto adoption. It is fully licensed in the U.S. and regulated in the UK, EU, Canada and Australia — and has been certified for its enterprise-grade security.