Research On Management Optimization Of Anti-Money Laundering In Y Commercial Bank

In recent years,great breakthroughs have been made in information technology and it has been widely used in the financial field to help the development of the financial industry,but the difficulty of anti-money laundering has also been increased accordingly.Lending to the current various financial mess,the Internet,underground Banks,network gambling,telecom fraud and other stakeholders in the prohibition of crime,sustained high incidence,in the face of vast amounts of transaction data,mainly artificial "model screening/monitoring list-artificial screening" mode of anti-money laundering efficiency of data processing and analysis has clearly failed to keep pace with the development of this situation.Meanwhile,as the international anti-money laundering sanctions at the United Nations and the United States and other countries under the push of a sustained high pressure situation,commercial Banks how to "based on risk" as a principle,using advanced information science and technology to establish efficient intelligent system of anti-money laundering monitoring and analysis,so as to improve the efficiency of anti-money laundering work,optimize the anti-money laundering management function,is not only a bank money laundering prevention,monitoring,performance of the embodiment of social responsibility,but also the needs of the fight against money laundering crime.From Y perspective of commercial Banks,this paper summarizes and combed the Y bank anti-money laundering compliance management present situation,find out the actual work environment exposed problems: anti-money laundering work lack of endogenous power,anti-money laundering mechanism to strengthen management,information of anti-money laundering work existence "barriers",the lack of professional talents of money laundering and anti-money laundering system construction to be perfect.Then,corresponding to the problems one by one,we searched for the root causes of the problems in policy implementation,and then from the perspective of management,we designed an optimization scheme from three aspects: external regulatory environment,internal management system and anti-money laundering system construction.First of all,from the perspective of external regulatory environment,it is suggested to establish an anti-money laundering information sharing mechanism and an anti-money laundering reward and punishment mechanism at the national level,so as to improve the information barrier and lack of endogenous power encountered in bank Y's anti-money laundering work from the external environment.Second,the internal management system,from strengthening the construction of internal control mechanism,do anti-money laundering human resources and improve the incentive constraints mechanism,strengthening the training of the four point of advice,in order to improve Y bank anti-money laundering work cooperation ability between internal departments,talent shortage,poor staff anti-money laundering consciousness does not reach the designated position,bank internal information sharing degree is not high.Finally,in terms of the anti-money laundering monitoring analysis of intelligent system,suggest introducing large data,artificial intelligence and machine learning advanced science and technology,and from the integration of the internal data,widen the channel of the data,making evaluation and improve the suspicious transactions monitoring index,strengthen the beforehand matter controls,strengthening monitoring system provided by the five dimensions of later construction scheme,construction can full three-dimensional analysis of the intelligent monitoring system.