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Technology is not limited to criminals. The trend towards digitisation, which has been accelerated by the economic landscape and repercussions from the COVID-19 pandemic, is changing the typology of financial crime and the way in which law enforcement and regulated entities seek to detect it. For example, traditional cash-heavy indicators and physical document verification controls are becoming less relevant in the face of digital transactions.
Impact on the workforce
利用科技不是罪犯的專利。經濟環境和 新冠肺炎疫情的影響,均加速了數碼 化的趨勢,改變了金融罪行的類型, 以及執法機關和受規管機構偵測罪行的方式。 面對數碼交易,機構傳統以來沿用現金為指 標,或需核查實物文件的管控措施已不太切合 時宜。
The role of the financial crime or regulatory compliance
leader today is no longer just about fighting financial crime
or managing regulatory risk. As institutions pivot their
businesses to capitalise on scarce resources and expand into
new client segments, the role of compliance leaders has
become more complex than ever. It now requires more to be
done with less and demands a greater sense of commercial
acumen to manage cost to income expectations as well
contributions to the bottom line, all while adapting to manage
inherent and evolving risks that come hand in hand with the
institution's business model, strategic direction and trajectory. 監管重點
Regulatory focus
With this trend being expected to continue, regulatory focus on the need to transform financial crime technology and risk management is growing and reforms are being observed across Asia Pacific amongst regulators in Singapore, China, Australia, New Zealand, Japan, India and Taiwan.
In Hong Kong, the Hong Kong Monetary Authority (HKMA) continues to work on “promoting responsible innovation in AML work”, with a key focus on:
1. Making sure new and emerging sectors can develop in a responsible way, with adequate safeguards built in so they are not exploited by bad actors;
這個趨勢預料將會持續。監管機構日益意識到 有需要改變管理金融罪行科技與風險的方式, 而在亞太區,新加坡、中國內地、澳洲、新西蘭、 日本、印度和台灣的監管機構正推行改革。
2. Ensuring requirements are up-to-date and enabling firms
to take full advantage of the opportunities offered by new
technology; and 市場潮流與應用方案
3. Enabling change that is consistent with the HKMA’s objectives, “so that we can continue to supervise effectively; in our supervision we need to think and act in a way that is consistent with the changes occurring in the sectors we supervise”.
Insights on trends and applications
For Financial Institutions (FIs) to remain resilient and reduce the risk of financial and reputational damage resulting from criminal activity as well as regulatory enforcement actions, it
金融機構要維持穩健,降低因犯罪活動而引致 財務及聲譽受損的風險,避免成為監管機構執 法的對象,便須採用新方法,應對不斷變化的 金融罪行。
一些領導市場潮流、改變工作模式的主要科技 發展包括:
人工智能,指的是能模仿人的認知,可處理較 複雜的推理和決定的機器。人工智能有助業
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對工作人員的影響
今天負責監管金融罪行或合規的主管人員,已 不限於打擊金融罪行或管理合規風險。當機構 在利用緊絀的資源以調整其業務,並接觸新類 型客戶之際,合規主管的角色變得更複雜。他 們須以較少的資源處理更多事務,並且須具 備較靈活的商業頭腦,管理業務擁有人對成 本與收入的期望,以及增加盈利;同時,隨着 機構的商業模式、策略方向和發展道路改變, 合規主管也要靈活應變,管理固有及轉變中的 風險。
香港金融管理局(金管局)亦繼續「在打擊洗錢 的工作上推廣負責任的創新」,重點包括:
1. 確保新興行業以負責任的方式發展,制訂 妥善的保障措施,以免被不法之徒利用;
2. 確保法規與時並進,讓機構可盡量善用新 科技帶來的機遇;及
3. 便利與金管局的目標相符的改變,「以便金 管局繼續有效監管業界;在監管工作中,我 們的思維和做法,都應緊貼受監管行業的 變化」。
www.hkib.org
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