Research On Optimization Of Anti-money Laundering Strategy Of Z Bank Based On Big Data Technology

Money laundering is a criminal activity that seriously threatens domestic economy and interferes with financial order.Therefore,more attention should be paid to this kind of problem in the context of domestic economic transformation and development.The bank is the main position of capital reserve circulation,but also one of the inescapable institutions in the money laundering chain.If the bank is involved in illegal money laundering,it will not only violate relevant laws and regulations,but also affect its normal operation and social credibility,and will cause a series of negative effects in serious cases.Therefore,commercial banks need to strengthen the supervision and control of money laundering activities,develop a perfect anti-money laundering process,and then improve supervision,strengthen supervision responsibility,and maintain the stability of financial order.In this paper,the author firstly analyzes the research status at home and abroad,the characteristics of new money laundering activities and the introduction of big data technology.On this basis,Z Bank is taken as the research object to analyze and discuss the status quo of its anti-money laundering obligations.From the perspective of regulatory punishment,the large fine received by Z Bank was taken as a warning,and the existing problems in the anti-money laundering work of Z Bank were analyzed and drawn out.Finally,the strategy of anti-money laundering work of Z Bank was optimized by using big data technology.This paper mainly uses literature method and case analysis method in the writing process,aiming to accumulate some experience for the innovation and reform of anti-money laundering work of commercial banks represented by Z Bank under the background of economic transformation.Although in recent years for the Banks anti-money laundering work own studies have advanced,but most scholars choose according to the bank's internal control environment,so compared with the same type of research,this paper relates to the technical improvement of more targeted,for Z bank and commercial Banks to get rid of anti-money laundering of the same type of the plight of the new solution is put forward.The advantages of big data technology can make up for the defects of anti-money laundering management,and the anti-money laundering work strategy can be optimized from the following aspects: optimization of anti-money laundering internal control environment;Using data acquisition technology to strengthen risk identification;Using data mining technology to strengthen and optimize risk assessment;Strengthen risk monitoring by using data analysis and prediction techniques;Using data visualization to optimize anti-money laundering operating system;At the same time,relevant safeguard work should be done well,anti-money laundering audit team should be established,anti-money laundering performance optimization should be improved,professional team should be created,and anti-money laundering publicity methods should be innovated.