企业金融犯罪检测：FATF、Basel III 和 BSA 合规性的湖仓一体框架.pdf

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1、Enterprise Financial Crime DetectionA Lakehouse Framework for FATF,Basel III,and BSA ComplianceGaurav MishraSurya Sai TuragaFinancial Action Task ForceMonitors Compliance through regular evaluations called mutual evaluationsCombating Money Laundering(and more)with 40+recommendationsSource:https:/www

2、.mof.go.jp/english/policy/international_policy/amlcftcpf/4.international.htmlFinancial Crime ComplianceIt is truly global,very complex and needs to contend with an ever evolving landscapeUSA PATRIOT Act(US):Mandates strict KYC,CDD,and suspicious activity reporting to combat money laundering and terr

3、orism financing.EU AML Directives(EU):5th and 6th AMLD enforce enhanced due diligence,virtual currency regulations,and harmonized AML rules across member states.Proceeds of Crime Act(UK):Requires reporting of suspicious activities and asset recovery to prevent money laundering.AML/CTF Act(Australia)

4、:Enforces customer verification,record-keeping,and transaction monitoring.FINTRAC(Canada):Oversees compliance with PCMLTFA,mandating large cash transaction and suspicious activity reporting.FATF Standards:Global framework for AML/CFT,focusing on beneficial ownership transparency and sanctions compli

5、ance.Key Global RegulationsComplexitiesVarying Regulatory FrameworksEvolving ThreatsHigh Compliance CostsData Privacy ConflictsGeopolitical RisksTechnology IntegrationStrategic ConsiderationsAdopt AI-driven tools for efficient transaction monitoring and KYC automation.Foster a culture of compliance

6、through regular training and stakeholder engagement.Conduct geopolitical risk assessments to align with diverse regulatory environments.Banking and Financial ServicesThis sector continues to face increasing complexities,challenges and costsFCC AreaChallengesDue DiligenceReactive or periodic refresh