A Bank of Thailand economist examines how AI is reshaping labor and finance across two critical dimensions: (1) criminal exploitation—scam networks using AI deepfakes, real-time face-swapping, and job scams to target vulnerable workers, with regional fraud operations generating $40 billion annually; and (2) AI-enabled opportunity—evidence shows AI assistants boost productivity 15% on average (36% for low-skilled workers), suggesting AI will reshape rather than eliminate jobs. The article argues that financial institutions must integrate labor rights into ESG lending criteria and collaborate with civil society to identify trafficking victims and block money laundering, while preparing workers for skill transitions in the AI economy.