The BC Bank Anti-Fraud Management System Was Redesigned

Banks are enterprises which manage risks,and they need to have a higher capability of risk management than other companies,so that they can manage risks in a timely and effective manner(including the discovery and defense of risks,as well as the control and transfer of risks).Since banking is the core area of economic activity,the safe operation of the banking is not only related to its own development,but also has a significant impact on the whole economy of society.Financial fraud is a crime that has occurred frequently in banking in recent years.Compared with other risks,fraud risk has the characteristics of concealment and serious loss to the bank.Commercial banks must strengthen fraud risk management to reduce the incidence of fraud and curb the spread of fraud.Otherwise,the fraud will not only cause financial loss of the bank itself,but also bring a threat to the safety of the client's property,thereby causing a reputation risk.Based on the theory of fraud risk management and Anti-fraud Management System,this paper analyzes the current situation of fraud risk management in both domestic and international banks and the shortcomings of BC bank's anti-fraud management system has become the bottleneck problem of improving fraud risk management,and then,puts forward the redesign of Anti-fraud Management System,in order to meet the demands of fraud risk management and promote comprehensive risk management practices.The redesign of the Anti-fraud Management System will introduce big data,distributed computing,artificial intelligence and other technologies to reconstruct the application architecture,data architecture and technical architecture,and to achieve real-time anti-fraud by using a real-time stream-processing platform based on the distributed big data architecture.And it will achieve anti-fraud prevention by constructing customer portraits,achieve real-time anti-fraud by using technologies like cluster analysis,anomaly detection,relational mapping,time sequence mining and so on,and achieve real-time monitoring and analysis&management of anti-fraud by using visualization tools.The re-designing of the Anti-fraud Management System is not only designed to solve the existing problems of fraud risk management,but also to put the attempt of the comprehensive risk management platform into practice.In the end,this paper analyzes the feasibility of the redesign of the Anti-fraud Management System and puts forward the implementation measures.