A Study On The Risk Management Of Anti-money Laundering In The HLD Bank

Risk management directly affects the healthy and stable operation of the banking system,and the management level and effectiveness of ensuring property safety is the key to it.Deepening the research on anti-money laundering risk management of financial institutions is to comply with the objective requirements of regulatory agencies and is one of the foundations for improving the level of risk management.Relevant regulatory authorities have successively issued a series of anti-money laundering regulatory legal documents in accordance with relevant laws and regulations,requiring financial institutions to deepen the "risk-based" anti-money laundering risk management model to improve the effectiveness of anti-money laundering work.Although the regulatory authorities are paying more attention to anti-money laundering risk management,and the rectification storm of anti-money laundering risk management that has blown from the financial industry is intensified,the level of anti-money laundering risk management in financial institutions needs to be improved at this stage,and there are situations such as inadequate identification of risk factors.This article takes HLD Bank as the research object,based on financial risk management theory,combined with HLD Bank’s current anti-money laundering risk management status,adopts the risk factor analysis method to identify risk factors,and identifies 4 risk types and 13 risk factors.The Analytic Hierarchy Process is used in the risk assessment link to establish a risk assessment system,and assess the importance of risk types from high to low,which are operational risk,legal risk,compliance risk and reputation risk.Among the risk factors,two factors,customer identification risk and internal control mechanism risk,are high risks;five risk factors,including customer identity information and transaction record retention risk,are medium risks;and six risk factors,including self-assessment mechanism risks,are low risks.Based on the results of the risk assessment,this article further improves the risk response strategies that are adapted to different risk factors,and further improves the anti-money laundering risk of HLD banks in terms of risk management control methods,prevention and treatment methods,and safeguard measures.Management systems,create a compliance culture atmosphere,and enhance the effectiveness of anti-money laundering risk management.