CN115713335A - Anti-money laundering early warning system - Google Patents
Anti-money laundering early warning system Download PDFInfo
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- CN115713335A CN115713335A CN202211314504.1A CN202211314504A CN115713335A CN 115713335 A CN115713335 A CN 115713335A CN 202211314504 A CN202211314504 A CN 202211314504A CN 115713335 A CN115713335 A CN 115713335A
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Abstract
The invention discloses an anti-money laundering early warning system which comprises a client risk early warning system, wherein the client risk early warning system comprises a data analysis unit, a risk analysis and early warning unit, a management and control operation unit, a case and report unit and a system management unit, wherein the management and control operation unit comprises a due diligence issuing module, the output end of the due diligence issuing module is electrically connected with the input end of a management and control requirement issuing module through a lead, and the output end of the management and control requirement issuing module is electrically connected with the input end of a result feedback module through a lead. According to the anti-money laundering early warning system, the account transaction condition in a certain period is backtracked and screened by formulating corresponding rules, a specific suspicious account is found in time, full-process management of monitoring analysis, due diligence investigation and follow-up management and control of the suspicious account is realized, the defects existing in the traditional monitoring at present are overcome, and the account risk management and control level of a bank is improved.
Description
Technical Field
The invention relates to the technical field of anti-money laundering, in particular to an anti-money laundering early-warning system.
Background
With the development of global economy, financial problems related to criminal activities are increasingly complicated due to the change of science and technology and the globalization of financial service industry, money laundering crimes bring serious loss and influence to countries in the world, and from a large amount of anti-money laundering practical experiences accumulated in the world, money laundering workers are easy to move in countries and regions with unsound financial law systems and tend to select modes with low cost, high safety, low risk and strong convenience, so that at present, financial institutions in China, particularly commercial banks and rural financial institutions, become main channels for money laundering.
The chief has set a relatively high threshold for the indexes of the anti-money laundering platform monitoring model, and needs to accumulate data for a certain period of time to reach the index standard, so that some suspicious transactions with less obvious characteristics cannot be monitored, and control measures cannot be taken in time for suspicious accounts with frequent transactions in a short period of time but which are stopped before punishment early warning.
Disclosure of Invention
Technical problem to be solved
Aiming at the defects of the prior art, the invention provides an anti-money laundering early warning system, which solves the problems that indexes of an existing anti-money laundering platform monitoring model can reach index standards only through data accumulation for a certain time, control measures cannot be timely taken on suspicious accounts which have frequent transactions in a short period but are stopped before punishment early warning, monitoring data are manually screened, counted and analyzed, and a large amount of manpower and material resources are consumed.
(II) technical scheme
In order to realize the purpose, the invention is realized by the following technical scheme: the utility model provides an anti-money laundering early warning system, includes customer risk early warning system, customer risk early warning system includes data analysis unit, risk analysis and early warning unit, management and control operation unit, case and report unit and system management unit, management and control operation unit includes due diligence issue module, due diligence issue module's output passes through wire and management and control requirement issue module's input electric connection, and management and control requirement issue module's output passes through wire and result feedback module's input electric connection, result feedback module's output passes through wire and result statistics module's input electric connection.
Preferably, the case and report unit includes a case issuing module and a suspicious condition reporting module.
Preferably, the system management unit includes a user management module and a parameter management module.
Preferably, the data analysis unit includes a backtracking list generation module, an information summary query module and an external data introduction module.
Preferably, the risk analysis and early warning unit comprises a suspicious account marking module and a troubleshooting rule adjusting module.
Preferably, the due diligence issuing module is configured to directly issue the due diligence to a website for subsequent operations, and the control requirement issuing module is configured to issue the control requirement to a secondary branch for subsequent operations.
Preferably, the suspicious situation reporting module is used for reporting the new suspicious situation step by step in the daily work of operators in secondary branches, primary branches and network points.
Preferably, after the network point completes the due-employment survey, the result feedback module is used for feeding back the completion condition to the first-level branch, and after the network point user completes the management and control operation, the result feedback module is used for feeding back the completion condition to the first-level branch step by step.
(III) advantageous effects
The invention provides an anti-money laundering early-warning system. The method has the following beneficial effects:
(1) The anti-money laundering early warning system comprises a customer risk early warning system, wherein the customer risk early warning system comprises a data analysis unit, a risk analysis and early warning unit, a management and control operation unit, a case and report unit and a system management unit, the management and control operation unit comprises a due diligence issuing module, the output end of the due diligence issuing module is electrically connected with the input end of a management and control requirement issuing module through a wire, the output end of the management and control requirement issuing module is electrically connected with the input end of a result feedback module through a wire, the output end of the result feedback module is electrically connected with the input end of a result counting module through a wire, account transaction conditions in a certain period are traced back and screened by formulating corresponding rules, a specific suspicious account is found in time, full-flow management of monitoring analysis, due diligence and follow-up management and control of the suspicious account is realized, the defects of the traditional monitoring at present are overcome, and the account risk management level of a bank is improved to a greater extent.
(2) The anti-money laundering early warning system is used for directly issuing the due diligence to a website for subsequent operation through the due diligence issuing module, the control requirement issuing module is used for issuing control requirements to a secondary branch for subsequent operation, and for a suspicious account which completes the due diligence, the control requirements are issued to the secondary branch by a primary branch operator through the due diligence issuing module for subsequent operation, and the suspicious account refers to that the due diligence is completed and no control operation is performed.
(3) The anti-money laundering early warning system comprises a case issuing module and a suspicious condition reporting module through a case and reporting unit, when operators in a secondary branch, a primary branch and a network point find new suspicious conditions in daily work, the operators can report step by step through the suspicious condition reporting module, relevant information is filled according to a template during reporting, and input elements are specified by a business department.
Drawings
FIG. 1 is a flow chart of the present invention;
FIG. 2 is a schematic block diagram of the structure of the client risk early warning system of the present invention;
FIG. 3 is a schematic block diagram illustrating the structure of a management control unit according to the present invention;
FIG. 4 is a schematic block diagram of the structure of the case and report unit of the present invention;
FIG. 5 is a schematic block diagram of the architecture of the system management unit of the present invention;
FIG. 6 is a schematic block diagram of the structure of a data analysis unit according to the present invention;
fig. 7 is a schematic block diagram of a risk analysis and warning unit according to the present invention.
In the figure: 1-a customer risk early warning system, 11-a data analysis unit, 111-a backtracking list generation module, 112-an information summarization query module, 113-an external data introduction module, 12-a risk analysis and early warning unit, 121-a suspicious account marking module, 122-a checking rule adjustment module, 13-a management and control operation unit, 131-a due diligence issuing module, 132-a management and control requirement issuing module, 133-a result feedback module, 134-a result counting module, 14-a case and report unit, 141-a case issuing module, 142-a suspicious situation report module, 15-a system management unit, 151-a user management module and 152-a parameter management module.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be obtained by a person skilled in the art without making any creative effort based on the embodiments in the present invention, belong to the protection scope of the present invention.
Referring to fig. 1-7, an embodiment of the present invention provides a technical solution: a money laundering prewarning system, through formulating the corresponding rule, trace back and screen the account transaction situation in certain period, find the particular suspicious account in time, and realize the monitoring analysis, due diligence and follow-up management and control of the suspicious account and manage the full process management of the subsequent management and control, solve the deficiency that the traditional monitoring exists at present, promote the account risk control level of the bank to a greater extent, including customer's risk prewarning system 1, customer's risk prewarning system 1 includes the data analysis unit 11, risk analysis and prewarning unit 12, the management and control unit 13, case and report unit 14 and system management unit 15, the management and control unit 13 includes the due diligence and issues the module 131, the output of the due diligence issues the module 131 and manages and requires to issue the input electrical connection of the module 132 through the wire, and the output of the management and control requirement issues the module 132 and is electrically connected with input of the result feedback module 133 through the wire, the output of the result feedback module 133 is electrically connected with the input of the result counting module 134 through the wire.
In the embodiment of the present invention, the case and report unit 14 includes a case issuing module 141 and a suspicious situation reporting module 142.
In the embodiment of the present invention, the system management unit 15 includes a user management module 151 and a parameter management module 152.
In the embodiment of the present invention, the data analysis unit 11 includes a backtracking list generation module 111, an information summarizing and querying module 112, and an external data importing module 113.
In the embodiment of the present invention, the risk analysis and early warning unit 12 includes a suspicious account marking module 121 and a troubleshooting rule adjusting module 122.
In the embodiment of the present invention, the due diligence issuing module 131 is configured to directly issue the due diligence to a website for subsequent operations, the control requirement issuing module 132 is configured to issue the control requirement to the secondary branch for subsequent operations, and for a suspicious account that has completed the due diligence, a primary branch operator issues the control requirement to the secondary branch through the due diligence issuing module 131 for subsequent operations, where the suspicious account refers to that the due diligence has been completed and no control operation has been performed.
In the embodiment of the invention, the suspicious situation reporting module 142 is used for reporting level by level when operators in secondary branches, primary branches and network points find new suspicious situations in daily work, relevant information is filled according to a template during reporting, and input elements are specified by a service department.
In the embodiment of the present invention, after the website completes due diligence, the result feedback module 133 is configured to feed back the completion status to the first-class branch, and after the website user completes the management and control operation, the result feedback module 133 is configured to feed back the completion status to the first-class branch step by step.
When the method is used, an account backtracking list of a client is checked in a certain time range and area, a newly opened public account and a newly opened personal account which accords with rules in a specific area (such as Nanning, auspicious, east xing, linguing and the like) within the previous 3 months are transacted and reviewed by No. 1 monthly, an account backtracking list which can be viewed and downloaded is formed (the list elements comprise client name, certificate type, certificate number, account opening date, account opening row, reserved address and telephone number), suspicious accounts which hit the rule conditions are marked with red fonts, full transaction running water within 3 months is provided for suspicious accounts which hit the rule conditions and can be downloaded by inquirers, if the accounts still hit the rules in the next month and later 1 monthly backtracking, the suspicious accounts are marked as XX hit screening rules in the account backtracking list (if any two criteria are met, the suspicious accounts are judged to be 1, funds are rapidly exported, and the average interval is within 10 minutes; 2, daily average balance in one month is less than 5000 yuan, unilateral accumulated amount is more than 1000 yuan, bilateral transaction amount is more than 2000 yuan, 3, night transaction proportion is higher, more than 10% of transactions occur in a period from 23 to 6:00, 4, more commission expenditure reaches more than 500 yuan, 5, the number of transaction opponents is more, unilateral transaction opponents reach more than 100, 6, accumulated transaction amount is larger, and transactions are frequent, the highest transaction number in one day in 3 months exceeds 200 pens, or accumulated transaction number exceeds 2000 pens, or accumulated transaction number exceeds 1000 pens in the latest 1 month).
For suspicious accounts with hit rules, due diligence is directly issued to a website for subsequent operation by a first-level branch operator through a due diligence issuing module 131, for suspicious accounts found by non-system screening, the operator can select to manually import data and then select 'one-key due diligence', a second-level branch and branch user can check the process, for suspicious accounts with due diligence completed, the first-level branch operator issues a control requirement to the second-level branch through a control requirement issuing module 132 for subsequent operation, after the website completes the due diligence, the completion condition is directly fed back to the first-level branch through a result feedback module 133, after the website user completes the control operation, the completion condition can be fed back to the first-level branch step by step through a result feedback module 133, and when the second-level branch, the first-level branch and the branch operator find new suspicious conditions in daily work, the suspicious condition reporting module can report step by step.
It is noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus.
Although embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that various changes, modifications, substitutions and alterations can be made in these embodiments without departing from the principles and spirit of the invention, the scope of which is defined in the appended claims and their equivalents.
Claims (8)
1. An anti-money laundering early-warning system, includes customer risk early-warning system (1), its characterized in that: the customer risk early warning system (1) comprises a data analysis unit (11), a risk analysis and early warning unit (12), a management and control operation unit (13), a case and report unit (14) and a system management unit (15), wherein the management and control operation unit (13) comprises a due diligence issuing module (131), the output end of the due diligence issuing module (131) is electrically connected with the input end of the management and control requirement issuing module (132) through a lead, the output end of the management and control requirement issuing module (132) is electrically connected with the input end of a result feedback module (133) through a lead, and the output end of the result feedback module (133) is electrically connected with the input end of a result counting module (134) through a lead.
2. The anti-money laundering early-warning system according to claim 1, wherein: the case and report unit (14) includes a case issue module (141) and a suspicious situation reporting module (142).
3. The anti-money laundering early-warning system according to claim 1, wherein: the system management unit (15) includes a user management module (151) and a parameter management module (152).
4. The anti-money laundering early-warning system according to claim 1, wherein: the data analysis unit (11) comprises a backtracking list generation module (111), an information summary query module (112) and an external data introduction module (113).
5. The anti-money laundering early-warning system according to claim 1, wherein: the risk analysis and early warning unit (12) comprises a suspicious account marking module (121) and a troubleshooting rule adjusting module (122).
6. The anti-money laundering early-warning system according to claim 1, wherein: the due diligence issuing module (131) is used for directly issuing the due diligence to a website for subsequent operation, and the control requirement issuing module (132) is used for issuing a control requirement to a secondary branch for subsequent operation.
7. The anti-money laundering early-warning system according to claim 2, wherein: and the suspicious situation reporting module (142) is used for reporting the new suspicious situation step by step in the daily work of secondary branch lines, primary branch lines and network point operators.
8. The anti-money laundering early-warning system according to claim 1, wherein: after the network point finishes the due diligence survey, the result feedback module (133) is used for feeding back the completion condition to the primary branch, and after the network point user finishes the control operation, the result feedback module (133) is used for feeding back the completion condition to the primary branch step by step.
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| CN202211314504.1A CN115713335A (en) | 2022-10-25 | 2022-10-25 | Anti-money laundering early warning system |
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| CN202211314504.1A CN115713335A (en) | 2022-10-25 | 2022-10-25 | Anti-money laundering early warning system |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN116976655A (en) * | 2023-06-15 | 2023-10-31 | 四川仕虹腾飞信息技术有限公司 | Distributed banking website transaction flow supervision system and method thereof |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN116976655A (en) * | 2023-06-15 | 2023-10-31 | 四川仕虹腾飞信息技术有限公司 | Distributed banking website transaction flow supervision system and method thereof |
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