打击未來犯罪

打擊未來犯罪 FightingFutureCrime ChallengesandopportunitiesforlawenforcementinimplementingAML/CFTtechnologies 執法工作中採用打擊清洗黑錢/反恐融資科技的挑戰與機遇 September2022 2022年9月 kpmg.com/cn Inthisbrief: Introduction NewtechnologysolutionsforAML/CFT:keychallengesandopportunitiesforLEAs Envisioningthefuture:endgoalsthatAML/CFTplatformsforLEAsshouldaddress KPMGandQuantexa:whatweoffer Introduction AcrossAsiaPacificandaroundtheworld,lawenforcementagencies(LEAs)aredeployingarangeofnewtechnologiestoassisttheiranti-moneylaundering/counter-financing ofterrorism(AML/CFT)operations.Next-generationplatformsthatutiliseartificialintelligence(AI),machinelearninganddistributedledgertechnologies,amongothers,offeramyriadofbenefitsforLEAs—includingenhancedcapabilitiestoidentifycomplexcases,reducefalsepositives,enhancethetraceabilityoftransactionsandmakeiteasiertoidentifycriminals. In2021,theFinancialActionTaskForce(FATF)publishedcomprehensiveguidancerelatedtotheadoptionofnewtechnologiesforAML/CFT1whichincludedusecasesfromHongKong,Singapore,andothermajorAsiaPacificfinancialhubs.TheFATFfollowedthisinitialguidancewithadditionalstrategicconsiderationsforAML/CFTdigitalstrategyinMay2022,includingspecificoperational,legalandethicalquestionsthatLEAsshouldbeasking.2TheFATFhasalsobeenencouraginginformationsharingbetweenthepublicandprivatesectors.3 AsFIsworktowardsimplementingtheupdatedFATFguidanceintheirAML/CFToperations,LEAsmustbepreparedtoutilisenewtechnologytoolstoworktogether withtheprivatesectortosuccessfullydetectsuspectedillegalactivity.Todothis,theywillneedtoaddressandovercometheoperationalchangesthatcomewithrollingoutsophisticated,technology-drivenplatforms. RegulatorsarealsostartingtotakeactionstoencourageFIstoshareinformationwitheachotherandworkwithregulatorstobuildamoreeffectiveAML/CFTecosystem.Forexample,SingaporehasannouncedplanstolaunchCOSMIC,acentraliseddigitalplatformco-developed byMonetaryAuthorityofSingapore(MAS)andsixmajorcommercialbanks,inthefirsthalfof2023.4ThedevelopmentofsimilarplatformsinotherAsiaPacificmarketswillrequiregovernmentstoaddressarangeofchallengesandrisks:includingadaptingtoongoingregulatorydevelopments,ensuringdatasecurityand integrity,andfacilitatingcoordinationbetweengovernmentdepartmentsandFIstomeetimplementationtimeframes. ThisbriefoutlinesthechallengesandopportunitiesthatLEAsfacewithregardstoupgradingtheirAML/CFTmonitoringanddetectionplatforms;providesanoverviewofthekeyfeaturesofnext-generationplatforms;andexaminesthebenefitsofchoosingtherighttechnologypartner. 1FinancialActionTaskForceRecommendations,UpdatedMarch2022:https://www.fatf-gafi.org/media/fatf/documents/recommendations/pdfs/FATF%20Recommendations%202012.pdf 2FinancialActionTaskForce,AML/CFTDigitalStrategyforLawEnforcementAuthorities,May2022:https://www.fatf-gafi.org/media/fatf/documents/Digital-Transformation-law-enforcement.pdf 3FinancialActionTaskForce,PartneringintheFightAgainstFinancialCrime:DataProtection,TechnologyandPrivateSectorInformationSharing,July2022:https://www.fatf-gafi.org/publications/digitaltransformation/partnering-in-the-fight-against-financial-crime.html?hf=10&b=0&s=desc(fatf_releasedate) 4MonetaryAuthorityofSingaporepressrelease,October2021:https://www.mas.gov.sg/news/media-releases/2021/mas-and-financial-industry-to-use-new-digital-platform-to-fight-money-laundering 本簡介包含： 簡介 展反望恐未融來資：平執台法應機實關現打的擊最清終洗目黑標錢/ 打擊未來犯罪 1 打方擊案清：執洗法黑機錢關/反面恐臨融的資關新鍵科挑技戰解與決機遇畢馬威與Quantexa：我們可提供的服務 簡介 增强交易可追溯性，以及更容易識別罪犯等。 在助打亞擊太清地洗區黑及錢世界/反各恐地佈，執份法子機融關資正活採動用。利一用系人列工新智科能技、協機器來了學無習數與好分處佈，式包分括類增賬强技識術別等複下雜一案代件平的台能為力執、減法少機誤關報帶、 財錢務/反行恐動融特資別新組科織技在相2關02的1綜年合發指佈引了1，與其採中用包打括擊來清自洗香港黑、新加別坡組及織亞基太於區這其一他初主步要指金引融，在中2心0的22使年用5案月例對。打財擊務清行動洗 3 黑括執錢法/反機恐關融應資提的出數的字具化體策營略運給、法出律了和更道多德策問略題性2考。財慮務，行包 監並與管監機管構機也構開合始作採，取構行建動更，有鼓效勵的金打融擊機清構洗互黑相錢分/享反資恐訊融，資出生由態新系加統坡。金例融如管：新理加局坡及已六宣家佈主計要劃商在業2銀02行3共年同上開半發年的推 中央數字平台COSMIC4。在亞太區其他市場開發類似平台， 機構之間的協調，以按時間表如期落實。 政變府化，將確需保要資應料對安一全系和列完挑整戰性及，風以險及：促包進括政適府應部持門續與的金監管融 的特點，並探討了選對科技合作夥伴的好處。 本偵簡測介平概台述升了級執方法面機面關臨在的打挑擊戰清與洗機黑遇錢，概/述反了恐下融一資代監平控及台 動特別組織亦鼓勵公營部門與私營機構互相分享資訊。 技驅動平台帶來的營運變化。 隨採着用金財融務機行構動致特力別於組在織其發打佈擊的清最洗新黑指錢引，/執反法恐機融關資必工須作中準備非好法利活用動新。為的此科，技執與法私機營關機需構要合解作決，並以應便對成推功出偵複察雜可的疑的科 1財pd務fs行/FA動T特F%別2組0R織ec的om建m議（enFdinaatinocnias%lA2c0ti2o0n12Ta.psdkfForceRecommendations），2022年3月更新：https://www.fatf-gafi.org/media/fatf/documents/recommendations/ 2財org務/m行e動d特ia/別fa組tf/織do，c執u法me機n關ts/的D打igi擊ta清l-T洗ra黑ns錢fo/r反m恐ati融on資-l數aw字-e化nf策or略c（emAMenLt/.CpFdTfDigitalStrategyforLawEnforcementAuthorities），2022年5月：https://www.fatf-gafi. 3財Pr務iva行te動S特ec別to組rI織nfo，携rm手at打io擊nS金h融ar犯in罪g）：，資20料22保年護7月、科：h技tt與ps私://營w機ww構.資fat料f-g共afi享（.orPga/rptnuebrlicagtiinonths/edFigigithatltAragnaisnfostrmFiantainocni/aplaCrrtinmeeri:nDga-itna-tPhreo-tfiegcthiot-na,gTaeincshtn-fionloagnyciaanl-dcrime. money-laundering 4h新tm加l坡?h金f=融10管&b理=局0&的s=新de聞s稿c(f，a2t0f_2r1e年le1a0se月d：ahtett)ps://www.mas.gov.sg/news/media-releases/2021/mas-and-financial-industry-to-use-new-digital-platform-to-fight- NewtechnologysolutionsforAML/CFT:challengesandopportunitiesforLEAs Thebenefitsofnewte