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Adoption of New Technology for Identifying Money Laundering : An Exploration of Artificial Intelligence’s Usability in Banks to Combat Money Laundering and Terrorist Financing / Anta ny teknik för identifiering av penningtvätt : Utforskning av AI:s användbarhet i banker för bekämpning av penningtvätt och finansiering av terrorismHagopian, Patrik, Persson, Axel January 2024 (has links)
As money laundering is a global threat, with approximately US$800 billion to US$2 trillion being laundered yearly, it is important to come up with new and stronger solutions to combat illicit activities. Among the most exploited entities for money laundering are financial institutions, and more specifically banks. Therefore, the purpose of this thesis has been to investigate the usability of Artificial Intelligence (AI) as a decision-maker in the Anti-Money Laundering (AML) department to combat money laundering and terrorist financing. Moreover, the main research question was to explore the usability of AI as a decision-maker within AML operations. To enable this, an important aspect was to understand what regulatory and compliance requirements are demanded on AI from the AML departments. Thereafter, it was necessary to understand AI’s technical functionalities to facilitate the department’s daily operations. The literature review presented the fundamentals of AML and their precautionary actions. Furthermore, in the second phase of the literature review, the fundamentals of AI were investigated. Lastly, a combination of the topics of AML and AI were reviewed to identify techniques that the AML department can implement. Moreover, the methodology of the thesis consisted of a qualitative research design with an inductive approach. In the findings, a framework was constructed from the obtained results (second order themes). Subsequently, those themes were further developed into aggregated dimensions, which were extensively elaborated on in the conclusion. Thereafter, the dimensions were categorized into either the compliance criteria or the functional criteria. Also, the dimensions were presented in the order of priority based on how critical they are. To answer the main research question, AI is usable in the AML department as a decision-maker when considering the aggregated dimensions. Essentially, AI can successfully be implemented into the AML department’s daily operations when all the dimensions are achieved. / Då penningtvätt är ett globalt hot, där det uppskattas att det årligen tvättas 800 miljarder till 2 biljoner amerikanska dollar, är det viktigt att komma med nya och motståndskraftigare lösningar som bekämpar illegala verksamheter. Finansiella institutioner är bland de mest utsatta enheterna för penningtvätt, däribland banker som är mest exponerade. Därför var syftet med masterexamensarbetet att undersöka användbarheten av artificiell intelligens (AI) som beslutsfattare på avdelningen som bekämpar penningtvätt och finansiering av terrorism. Vidare var huvudfrågeställningen att utforska användbarheten av AI som beslutsfattare inom arbetsuppgifterna för avdelningen som bekämpar penningtvätt. För att möjliggöra detta var en viktig aspekt att förstå vilka lagstadgade- och efterlevnadskrav som ställdes på AI från avdelningen som bekämpar penningtvätt. Därefter måste man förstå AI:s tekniska funktioner för att underlätta avdelningens dagliga verksamhet. I litteraturstudien presenterades de grundläggande faktorerna för bekämpning av penningtvätt och deras försiktighetsåtgärder. Vidare i den andra fasen av litteraturstudien undersöktes de grundläggande faktorerna för AI. Slutligen granskades litteratur som behandlade en kombination av ämnena bekämpning av penningtvätt och AI för att identifiera tekniker som avdelningen för bekämpning av penningtvätt kan implementera. Dessutom bestod masterexamensarbetet av en kvalitativ forskningsdesign med en induktiv forskningsprocess. I resultatdelen framställdes ett ramverk utifrån de erhållna resultaten (andra ordningens teman). Därefter utvecklades dessa teman vidare till aggregerade dimensioner, som beskrevs utförligt i slutsatsen. Därpå blev dimensionerna kategoriserade i antingen efterlevnadskriterier eller funktionella kriterier. Dimensionerna presenterades även i prioritetsordning baserat på deras kritiska innebörd. Studien föreslog att AI är användbart på avdelningen som bekämpar penningtvätt som beslutsfattare när de aggregerade dimensionerna tas i beaktning. I huvudsak kan AI framgångsrikt implementeras i avdelningens dagliga verksamhet för att bekämpa penningtvätt när alla dimensioner har uppnåtts.
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銀行業防制洗錢及打擊資恐機制之實務探討 / A Study on the Practice of Anti-Money Laundering and Counter-Terrorism Financing of Banking Sector謝雪妮, Hsieh, Hsueh-Ni Unknown Date (has links)
本國為因應2018年亞太防制洗錢組織(APG)相互評鑑事宜,相關單位陸續參照國際規範,如防制洗錢金融行動工作組織(FATF)2012年發布之「防制洗錢及打擊資恐與武器擴散國際標準40項建議」、巴塞爾銀行監理委員會(BCBS)2014年發布之「健全有關防制洗錢及打擊資恐之風險管理」文件等,以及他國作法進行有關防制洗錢及打擊資恐法制規約、監管措施及自律規範等之修正,並促請義務機構強化執行,以期順利通過第三輪相互評鑑。
銀行向為洗錢及資恐犯罪喜好之金流管道,基於銀行提供之金融服務具安全性、便利性及多元化、全球化等優點,不僅吸引一般金融消費者與銀行緊密往來,亦同時受到不良分子之青睞,致金融體系資源易遭不當利用。銀行為金融體系之核心主體,負有防制洗錢及打擊資恐之義務與責任,本文爰就銀行業防制洗錢及打擊資恐實務切入,針對本國銀行應採行之因應措施基本架構進行探討。
本文將先介紹FATF之評鑑流程及方法論,以立下銀行進行防制洗錢及打擊資恐工作之目標,復就達成前開目標為方向,引述金融機構防制洗錢及打擊資恐機制之國際標準,繼而回歸國內外對銀行實際作為之法規要求,試行建構銀行防制洗錢及打擊資恐基本機制,末則就銀行於執行面可改善空間提出重點觀察建議。
隨著工業4.0、Bank3.0及Fintech(金融科技)之快速演進,銀行客戶樣貌及交易型態正在改變,健全防制洗錢及打擊資恐機制是所有銀行業共同面臨之進階版挑戰,本文謹提出銀行機制基本實務報告,俾作為開展細緻化措施之參考。另本文為一般性原則之探討,並非針對特定機構主體之描述,併此敘明。 / For the Mutual Evaluation which will be conducted by the Asia/Pacific Group on Money Laundering (APG) in 2018, basing on the following consulting international norms, such as “International Standards on combating Money Laundering and the Financing of Terrorism & Proliferation (The FATF Recommendations)” published by Financial Action Task Force (FATF) in 2012, “Sound management of risks related to money laundering and financing of terrorism” published by Basel Committee on Banking Supervision (BCBS) in 2014 and foreign advanced practices, the Taiwan authorities have amended the legal system, laws and regulations, supervision measures and self-disciplines referred to Anti-Money Laundering (AML) and Counter-Terrorism Financing(CTF). Meanwhile, every relevant entity is enhancing the prevent measures and internal control on AML/CFT (Counter-Financing of Terrorism) as well. The satisfactory result of the Third Round Mutual Evaluation will be expected.
As people know, the banks are always the favorite cash flow channel of money laundering and terrorism financing, since the banks provide the financial services with advantages of safety, convenience, diversification and globalization, etc. Both general financial customers and criminals on ML/FT are attracted to make transactions with the banks. Thus, the financial system’s resources could be utilized improperly. Due to the role of the core of financial system, the banks should take the responsibility and bear the liability of Anti-Money Laundering and combating the financing of terrorism. In this paper, the primary framework on AML/CFT of domestic banks will be outlined according to the real practice.
First, this paper has an introduction of mutual evaluation process and methodology in order to set the goal related to AML/CFT of the bank. Next, the model practices of international standards are presenting to achieve the goal for references. Then, this paper will focus on domestic and foreign regulatory requirements on banking, and try to construct the bank’s primary internal system of AML/CFT. Finally, there are some observations of the bank’s performance related to this issue.
With the rapid evolution of Industry 4.0, Bank 3.0 and Fintech, the customers’ financial behaviors and transaction types are changing. Therefore, to keep sound internal system of AML/CFT is an advanced challenge to all the banks. This paper is trying to set a primary framework on AML/CFT of domestic banks, and to be taken reference for banks to start developing appropriate prevent measures. In addition, the statement of this paper is an approach to general principles, not indicating any specific institution.
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