For many financial institutions, the Covid-19 hiatus is creating significant financial crime challenges. In the short term, there will be volume challenges (such as backlogs in KYC, or unworked AML and fraud alerts) and quality challenges (as risk profiles change significantly). In the medium term, we will see increased levels of fraud as bad actors look to intercept government loans and take advantage of economic uncertainty. By looking laterally across credit risk and financial crime risk, organisations stand the best chance of a quick recovery and establishing a better platform for the future.