The current state of compliance processes implementation in Ukraine's banking system is characterized through the lens of its impact on the country’s economic security, fulfillment of international obligations, and adherence to recommendations in the field of anti-money laundering (AML) and counter-terrorist financing (CTF). The problematic aspects faced by banking institutions in complying with financial monitoring legislation regarding customer due diligence (CDD) requirements are identified. Fact-based data are provided to outline the resource expenditures (financial, time, and human) associated with compliance procedures, as well as the consequences of banks’ violations of legal requirements in AML/CTF regulations. It is proposed to divide the customer due diligence process into separate stages, identifying “bottlenecks” in the fulfillment of key obligations by banking institutions. For each procedure, prospective solutions are formulated regarding the use of artificial intelligence (AI) technologies, with an emphasis on expected outcomes, such as reducing the time required for compliance procedures, improving the bank’s operational efficiency, and enhancing customer service quality. To ensure the practical implementation of the proposed recommendations, an algorithmic approach for Intelligent Compliance is formalized. This approach includes the development of a structured process model, logical decision-making schemes, and the integration of AI methods for risk identification and prediction.