Books by Dr. John Mathews

The Silverlocks Compass

Anti Money Laundering

AML Resilience for Governing Boards in the AI Era

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A collection of strategic literature bridging anti-money laundering (AML) controls, board-level governance, and artificial intelligence.

The Silverlocks Compass - Book Cover
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The Silverlocks
Compass

Anti Money Laundering — AML Resilience for Governing Boards in the AI Era

Artificial intelligence now sits at the heart of the fight against financial crime. Algorithms screen transactions, score risk and monitor customer behaviour at a scale no human team could match, quietly shifting key anti-money laundering (AML) judgements away from the people who remain responsible for them.

The Silverlocks Compass is written for those people: Board Directors, Audit/Risk Committees, auditors and regulators. As regulators increasingly become technology supervisors, an AML programme is only as trustworthy as the models beneath it.

This book translates those questions into the language of oversight. It explains why responsibility cannot be delegated to a vendor or an algorithm, and why AI literacy and human-in-the-loop judgement are now fiduciary duties.

🤖 AI-Driven AML Governance
🛡️ Board-Level Oversight
⚖️ The Silverlocks Model
🧠 Human-in-the-Loop AI
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The Goldilocks Approach to AML - Book Cover
Out Now
Maiden Book

The Goldilocks
Approach

Getting There with Artificial Intelligence™

The Goldilocks Approach to Anti-Money Laundering – Getting there with Artificial Intelligence™ is a maiden attempt at book writing on a subject Dr. John is passionate about. The book brings a novel approach to anti-money laundering (AML) by introducing the 'just right' concept of AML measures.

Practitioners have struggled with a forever question: where do AML practices and AML technology blend to make a program effective? Dr. John's book aims to solve that puzzle, besides providing a flavor of what lies ahead.

Note: Every purchase leads to a contribution for an underprivileged girl child, funded by the Sameer Tanna Foundation.

⚖️ The "Just Right" Concept
🔌 Practice & Tech Blend
🧩 Solving the AML Puzzle
👧 Social Impact Contribution
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The Author

Meet Dr. John Mathews

AML Consultant • Author • Strategist

As a respected strategist in Anti Money Laundering (AML), Dr. John has led transformative initiatives that helped sharpen institutional AML practices across diverse sectors. He comes with a pedigree that lists working at the iconic HDFC group for about 35 years in various capacities.

At HDFC AMC, he spent most of his time as the Executive Vice President – Corporate Client Services and as a Principal Officer – AML, a position he held for over 15 years.

This journey led to his first book, The Goldilocks Approach to AML – Getting There with Artificial Intelligence™. The book introduces a balanced, globally resonant framework that integrates AI into AML effectiveness.

40 Years Experience
15+ Years in AML
2 Published Books
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Dr. John Mathews - AML Consultant and Author
What You'll Learn

Key Themes

Exploring the critical intersection of artificial intelligence, financial crime prevention, and board-level governance.

AI in Financial Crime

How algorithms are reshaping AML — screening transactions, scoring risk, and monitoring behaviour at unprecedented scale.

AML Programme Effectiveness

The Silverlocks Governance Model — a balanced, calibrated approach keeping institutions both compliant and humane.

Explainability & Bias

Why explainability, bias, model risk and overreliance on black-box systems are governance questions, not just technical footnotes.

The Silverlocks Model

A compass, not a checklist — for asking the right questions in an increasingly automated world. Neither too much, nor too little.

Human-in-the-Loop

Why AI literacy and human-in-the-loop judgement are now fiduciary duties for every board member and regulator.

Fiduciary Duty & AI Literacy

Why understanding machine learning models and ensuring AI compliance is now a key fiduciary duty for modern board directors and risk officers.

Assessment Tool

DAREM™

Dynamic AML Resilience Equilibrium Model

The Goldilocks Approach defines the benchmark, whereas DAREM™ defines the method to reach and sustain it. Using DAREM™ as a methodology, practitioners can self-evaluate where they stand on a scale of measurability and visibility of their AML program's effectiveness.

D Dynamic
A AML
R Resilience
E Equilibrium
M Model
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7.5 AML Score
Practices Technology Governance
Services

Consulting

Leveraging 35+ years of experience to help organizations build robust, effective AML frameworks.

AML Strategy

End-to-end AML program design and optimization, tailored to your institution's risk profile and regulatory landscape.

Advisory

Advising boards and audit/risk committees on AML governance, AI oversight, and fiduciary responsibilities.

Technology Integration

Guiding AI/ML integration into AML programs — balancing automation with explainability and human oversight.

Policy, SOP & Reviews

Drafting tailored AML policies, step-by-step Standard Operating Procedures (SOPs), and conducting independent program effectiveness reviews.

Discuss Your Needs
Insights

Blog & Articles

Thoughts on AML governance, AI compliance, and the evolving landscape of financial crime prevention.

AI & AML

Why Boards Must Understand AI in AML

The convergence of artificial intelligence and anti-money laundering creates new governance imperatives that boards cannot afford to ignore.

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Governance

The Silverlocks Principle: Neither Too Much, Nor Too Little

Finding the balanced approach to AML governance — where compliance meets practicality and institutions remain both effective and humane.

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DAREM™

Measuring AML Resilience: The DAREM™ Framework

How the Dynamic AML Resilience Equilibrium Model provides a practical, measurable way to assess your AML programme's effectiveness.

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Analysis

Decoding the Basel AML Index 2025

An analysis of the Basel Anti-Money Laundering Index, evaluating global exposure to money laundering and terrorist financing risks across 177 jurisdictions.

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Risk Assessment

AML Risk Assessment and its Framework

Unchecked risk exposes reporting entities to reputational damage and compliance breaches. Learn why conducting a robust risk assessment is an essential foundation.

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Social Impact

Every Book Makes a Difference

"Proceeds from every copy of this book sold, funds the education of an underprivileged girl child through the Sameer Tanna Foundation. Education is a powerful liberator and your generosity opens many doors for them."

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Get in Touch

Contact

Good conversations start with a 'hello'. Reach out for inquiries, consultations, or just to connect.

Inquiries & Consultations

drjohnmathews55@gmail.com

Technical Support

help@drjohnmathews.com

LinkedIn

linkedin.com/in/vjohnmathews