Study On Optimization Of Internal Control Of Anti-money Laundering In Harbin Branch Of ZX Bank

Commercial Banks bear the responsibility requirements of financial supervision departments for anti-money laundering.In the context of accelerated frequency,larger scale and complex forms of international economic transactions during economic prosperity,money laundering business is very likely to take the form of legal transactions.Therefore,higher requirements are put forward for the anti-money laundering work of commercial Banks.The effectiveness of anti-money laundering business of banks is closely related to its effectiveness of internal control.So,it is particularly important to improve the internal control mechanism of anti-money laundering.Taking ZX bank Harbin branch as the object,this paper investigated and analyzed its existing internal control system of anti-money laundering and the existing problems in its operation,Including the internal control environment construction is not perfect,there is no perfect anti-money laundering organizational structure;The money laundering risk assessment system for customer and product business is not established,customer risks cannot be classified and managed and effectively linked to bank products;Defects on control measures are common,such as customer identification,data saving,risk level on the division of work for not doing enough meticulous,reported transaction report value is not high also,propaganda and training about anti-money laundering work become a mere formality;Internal management supervision is not enough and the effect is not obvious.Put forward corresponding solutions,including detailed risk level management between customers and product businesses,detailed risk level of customers,and combine them with banking business effectively;Strengthen the management of control implementation,strictly perform duties in accordance with relevant rules and regulations,improve the effectiveness of identification around customers,keep transaction data as required,improve the quality of reporting large and suspicious transaction reports,increase the training and publicity on anti-money laundering and eliminate formalism;Improve internal control supervision and management,increase the supervision and inspection ofinternal staff.With the purpose of optimizing the internal control of anti-money laundering of ZX bank Harbin branch,the author puts forward safeguard measures,including improving the organizational structure of anti-money laundering and setting up a special anti-money laundering team.Clarify the duties and responsibilities of anti-money laundering departments,so as to perform their duties in daily work;Strengthen the technical guarantee of money laundering and make full use of scientific and technological means to improve work efficiency;Strengthen the allocation of anti-money laundering human resources and cultivate professional anti-money laundering talents.