2024-2025年金融犯罪与合规报告
F nanc al Cr me &Compl ance Report About the Report The th rd ed t on of the 2024-2025 F nanc al Cr me and Compl ance Report a msto prov de a comprehens ve analys s and ndustry ns ghts to combat globalf nanc al cr me. Th s report consol dates cr t cal nformat on on emerg ng threats,regulat ons, and compl ance processes worldw de, backed by up-to-date datafrom ndustry leaders. At Sanct on Scanner, our m ss on s to secure f nanc al systems and ass st ndustrystakeholders n establ sh ng an effect ve l ne of defense aga nst f nanc al cr me.Th s report s des gned to help organ zat ons keep pace w th the rap dly chang ngdynam cs of the f nanc al world by serv ng as a valuable resource for develop ngcompl ance strateg es for both today and the future. TABLE OFCONTENTS About Us The Year n Rev ew F nanc al Cr me Through a Geopol t cal Lens Un ted States of Amer caUn ted K ngdomEuropean Un onM ddle East and Afr caAs a Pac f c 07 Geopol t cal Turbulence: How Global Tens ons Shape F nanc al Cr me 37 Sanct ons and The r R pple EffectsCross-Border Cr me: New Challenges, New Solut onsThe Role of Global Tens ons n Compl ance D srupt ve Fraud Schemes n 2024 Fraud TrendsSector-Spec f c Fraud Tact cs The Technolog cal Vanguard n F nanc al Cr me Prevent on Cryptocurrency and Beyond: The New Front er of F nanc al Cr me Crypto Cr mesThe Role of Blockcha n Analyt csRegulatory Responsesto D g tal Assets Spotl ght on Industry-Spec f c F nanc al Cr me Strateg c Roadmap for 2025 About Us Sanct on Scanner s an Ant -Money Launder ng and R sk solut ons prov der establ shed n2019. It screens customers and transact ons n a comprehens ve data of 220+ countr es. Italso prov des a transact on mon tor ng solut on, and w th th s, every transact on can bemon tored n real-t me and be dent f ed wh ch one s susp c ous. Bes des, t offers an all- n-one compl ance approach w th 360° r sk assessment by analyz ng these data nstantly andpresent ng t as a report to ts users. Sanct on Scanner a ms to m n m ze f nanc al r sks n accordance w th the chang ngregulat ons of each country. It serves customers from var ous ndustr es, such asbank ng, nvestment, f nance, nsurance,paymentandf ntech,crypto, money transfer, leas ng, andfactor ng. The Year n Rev ew As 2024 draws to a close, t s ev dent that th s year has been anyth ng but typ cal for theworld of f nanc al cr me and compl ance. The landscape has been reshaped by stagger ngf nanc al cr me stat st cs, evolv ng regulat ons, and mount ng geopol t cal tens ons. The mpact of these changes has been felt across the globe, nfluenc ng both mmed ateresponses and long-term strateg es. In 2023, around3.1 tr ll on dollars n ll c t fundsc rculatedthrough theglobal f nanc alsystem. To put th ngs n perspect ve,$3.1 tr ll onworth of ll c t funds moved through theglobal f nanc al system last year. Th s colossalf gure ncludes approx mately $782.9 b ll onfrom drug traff ck ng, $346.7 b ll on fromhuman traff ck ng, and $11.5 b ll on fromterror st f nanc ng. These numbers not onlyh ghl ght the enorm ty of the problem butalso underscore the urgent need for nnovat ve solut ons from f nanc al nst tut ons worldw de. $782.9b ll on $346.7b ll on $346.7b ll on $11.5b ll on used to f nanceterror sm obta ned fromhumantraff ck ng obta ned fromdrug traff ck ng obta nedthrough fraud Geopol t cal events have furthercompl cated the p cture. The ongo ngs tuat on n the West Bank and Gaza hasled to ncreased scrut ny of f nanc altransact ons l nked to terror sm and them suse of human tar an a d. Unl ke theRuss a-Ukra ne confl ct, where sanct onsare eas er to mplement and enforce, thes tuat on n the M ddle East presents amore complex and uncerta n challenge.Ident fy ng and target ng s tuat onalabusers n th s context s much mored ff cult and requ res a nuanced approach.It calls for a thorough assessment of nst tut ons' reg onal nvolvement and the rread ness for potent al sanct ons. Econom c d ff cult es have furthercompl cated matters. Dur ng t mes off nanc al hardsh p, soc et es struggle w th ncreased nstab l ty and unpred ctab l tywh le the h dden threat of moneylaunder ng ntens f es beh nd the scenes.F nanc al nst tut ons are under ntensepressure as the global economy slowsdown and budgets t ghten, grappl ng w ththe r s ng mpact of econom c stra ns oncr m nal act v t es. Th s has led to a greaterdemand for more eff c ent solut ons andsmarter resource management. In response, technology has rap dly evolved to address these challenges. Art f c al ntell gence (AI), for nstance, has emerged as a cruc al ally n detect ng and prevent ngf nanc al cr me, offer ng advanced tools for analys s and mon tor ng. On the other hand,technolog cal progress also br ngs new r sks. Cr m nals are explo t ng AI to craftsoph st cated deepfakes and synthet c dent t es, further compl cat ng organ zat ons’ effortsto keep pace w th evolv ng threats. Th s year has been fast-paced andchalleng ng, w th the emergence of cross-border f na