2. Work records of account managers or counter staff of financial institutions;
3. Transaction records kept by financial institutions;
4. Information obtained by financial institutions entrusting other financial institutions or intermediaries to conduct due diligence on customers.
5. Financial institutions use commercial databases to query information;
6. Financial institutions use public information platforms such as the Internet to search for information.
In the process of risk assessment, financial institutions should follow the principle of diligence and make a reasonable assessment of some risk factor information that is difficult to obtain directly or has high cost according to the factual materials they have. In order to unify the scale of risk assessment, financial institutions should determine the list of information they can predict in advance and its forecasting principles, and review and adjust it regularly.
Extended data:
The money laundering risk assessment process includes:
According to the Guidelines on Risk Assessment and Customer Classification Management of Money Laundering and Terrorist Financing in Financial Institutions
operation sequence/order
(1) Collect information. Financial institutions should determine the sources and collection methods of all kinds of information according to the needs of anti-money laundering risk assessment. Information sources usually include:
1. Information disclosed by customers to financial institutions when financial institutions establish business relations with customers;
2. Work records of account managers or counter staff of financial institutions;
3. Transaction records kept by financial institutions;
4. Information obtained by financial institutions entrusting other financial institutions or intermediaries to conduct due diligence on customers.
5. Financial institutions use commercial databases to query information;
6. Financial institutions use public information platforms such as the Internet to search for information.
In the process of risk assessment, financial institutions should follow the principle of diligence and make a reasonable assessment of some risk factor information that is difficult to obtain directly or has high cost according to the factual materials they have.
In order to unify the scale of risk assessment, financial institutions should determine the list of information they can predict in advance and its forecasting principles, and review and adjust it regularly.
(2) Screening and analyzing information. Assessors should carefully compare the basic elements of risk assessment and its sub-items, classify the collected information and score them item by item. If there are multiple overlapping or overlapping information corresponding to the same basic element or risk sub-item, appraisers should filter and merge them.
If the related information corresponding to the same basic element or risk sub-item is contradictory or has many conflicts, the evaluator should delete the inapplicable information and put forward opinions on the basis of investigation and verification.
After sorting out the basic information, the staff of financial institutions should sort out all the risk assessment elements and their sub-items as a whole. If it is found that there is content vacancy or insufficient information under the elements, it can be determined whether further supplementary information needs to be collected on the premise of taking into account the requirements of risk assessment and cost control.
Financial institutions can embed the above workflow into the corresponding business processes to reduce the implementation cost. For example, from the moment when an account manager or marketer starts looking for a target customer or contacts with a customer, he can collect information within his own business scope. With the gradual establishment of business relations, all kinds of personnel in the business chain are responsible for the corresponding data collection within their respective responsibilities.
(3) Preliminary evaluation. Except for customers with the above exceptions, the staff of financial institutions should analyze the information corresponding to each basic element item and its sub-items of risk assessment one by one and determine the corresponding scores. For the information of elements with incomplete information or doubtful reliability, the evaluator should mark it under the corresponding elements and reasonably determine the corresponding score. On the basis of comprehensive analysis of factor information, the staff of financial institutions accumulate customer rating results and determine their initial ratings accordingly.
Financial institutions can use computer systems and other technical means to help complete part of the preliminary assessment.
(4) Re-evaluation. The results of the initial evaluation should be re-evaluated and confirmed by other personnel other than the initial evaluator. If the initial evaluation result is inconsistent with the re-evaluation result, the Anti-Money Laundering Compliance Management Department may decide the final rating result.