反洗钱（AML）风控是典型
大数据+规则引擎+机器学习+图计算+合规报送”五层技术栈，核心是低延迟交易监测、团伙网络挖掘、可解释AI、全链路审计。下面按层级把技术栈拆清楚，含开源/商业选型与落地重点。
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运维与安全底座
业务出口
智能决策大脑
批流一体计算
多模态存储
消息与流处理层
多源数据接入
