Design And Implementation Of Anti-Money Laundering Project In Commercial Bank

With the development of economic globalization, money-laundering of criminal activities have become increasingly rampant, which have seriously threat to economic security. For the prevention of money laundering and terrorist financing activities, the Chinese government has strengthen anti-money laundering work from the system building and regulatory aspects, to supervise banking institutions. The People's Bank of China Anti-Money Laundering Monitoring Center issued large and suspicious transactions report element, and interface specification, to request the commercial banks in accordance with the new interface specification for large transaction reports and suspicious transaction reports submitted. At the same time regulating financial institutions customer identification, customer identification information and transaction record keeping and other acts.The establishment of a safe, reliable and intelligent platform for anti-money laundering monitoring report, through the analysis of risk indicators related to trading for clients and behavioral characteristics, design parameters of the rules of the monitoring model, to monitor the regional and foreign currency, large and suspicious transactions Flexible, to achieve complete Anti-Money Laundering reporting processes, which improve anti-money laundering work of commercial banks efficiency and management level, with great significance.For commercial bank requirement of Anti-Money Laundering Project, this paper proposed a plan based on anti-money-laundering data mart, on the basis of the indicators, the rules engine of the program to design and realize the Anti-Money Laundering System. Practice in the course of the project, mainly to complete the work of the following aspects:1. Analysis of banking business data and customer transaction behavior, to establish a customer-centric trading system of risk indicators2. Analysis of large and suspicious transactions rules, to design analysis model rules which can be quantified based on risk indicators, and establish anti-money laundering suspicious large rule base.3. Design of Anti-Money Laundering System Data Model, establish anti-money-laundering data mart. Processing data source analysis and data mapping interface design, from commercial banks heterogeneous and complex business systems to extract data, convert the necessary system data model, load into anti-money-laundering data mart. Finally, complete the ETL Design and Implementation.4. Design and Implementation the editor, review, approval processes of large and suspicious transactions case from the branch to the head office, improve the commercial bank's internal anti-money laundering work.5. With time passed by, anti-money-laundering data mart in the accumulation of a large number of anti-money-laundering subject data and historical data, seriously impact the system's operating efficiency. In order to resolve this problem, this paper design optimize program.The system has been successfully completed the testing, deployment, on-line, and put into use. Functions in the business fully meet the requirement of commercial banks, the efficiency of monitoring, accuracy, portability and scalability have a very good performance.