打擊未來犯罪

1、Callegesandopprtnitiesrlwenrceent inipleentigAMLCFTecolies執法採打清洗黑錢反恐融資科技的挑戰與機遇11本簡介包含：簡介反恐融資錢/方案/機遇畢馬威與Quana我們可提供的服簡介增强交易可追溯以及更容易識別罪犯等助世/機來增强交易可追溯以及更容易識別罪犯等錢/0香、新別務行3括錢/2包3並管，出03年推中央數字平台OSMIC4在亞太區其他市場開發類似平機構之間的協以按時間表如期落實變中央數字平台OSMIC4在亞太區其他市場開發類似平機構之間的協以按時間表如期落實的特並探討了選對科技合作夥伴的好處偵/的特並探討了選對科技合作夥伴的好處動特別

2、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採/作非可疑技驅動平台帶來的營運變化p/F0eoeitislt1.oeeommendtion2022年3月更新h HYPERLINK /media/fatf/documents/recommendations/ tps:/ww.t HYPERLINK /media/fatf/documents/recommendations/ -afiog HYPERLINK /media/fatf/documents/recommendations/ /media/tdocumens/eommendtions/o/iatdmsiglnto-

3、a-noeAefDigialtgyorLawEnoementuthoritie2022年5月htps:/ww.t-afi.3 Piernrinai227p:/w.-aotliotsiiilarFr-i-lclcrime.money-launderingt?f1&0sdc(fls HYPERLINK .sg/news/media-releases/2021/mas-and-financial-industry-to-use-new-digital-platform-to-fight- ps:/ww.mas.sg HYPERLINK .sg/news/media-releases/2021/mas

4、-and-financial-industry-to-use-new-digital-platform-to-fight- /news/media-elases/2021/mas-and-financial-indutryo-use-new-digial-pltormo-figh-money-launderingNwechnologyoluionsorAMLCF: andopportunisorLEse s f w s o e T faster, cheaper, more efficient and more effective for are clear. Advanced data an

5、alytics capabilities, enhanced by AI, can process large volumes of information beyond human capabilities and process results at breakneck speeds, freeing up human LEA resources for the analysis of complex ML/TF cases. In addition, technology can help LEAs to draw new connections between data sets to

6、 effectively identify and track patterns of suspected illegal activity. However, as authorities plan out the adoption of new platforms, they should be acutely aware of regulatory, operational and data security risk considerations and re e no e l dmt t. Te below chart is a summary of FATFs points of

7、view on key new technologies and considerations for authorities:22yhallenes/isksdjusting regulatory practices to the conditions of nwAML/CFT tehnologies, and ensuring LEs he robust understanding and gernance with regard to their legal framorkOperational hallenges: replacing legacy sstems and delopin

8、g necessary skills to understand the tehnology and train staf; ensuring LEs he an aligned vision on the objecties and business cases of digital initiatiesIdentifying whih ML/TF crime iestigations ould benefit most from the use of tehnolog, and digital iestigatie capabilities should be deloped in-hou

9、se or y third partiesdopting nw tehnologies in a responsible, proportionate and risk-based manne, ensuring financial protection of undersered populations, data protection and priacySource: Financialctionask orce, Opporunities and Challenges of Nwehnologies orAML/CF, uly 2021: HYPERLINK /media/fatf/

10、HYPERLINK /media/fatf/ documents/reports/Opporunities-Challenges-of-N-ehnologies-o-AM-CF.pdfEhange inormation with other competent authoritieseter identify and understand the risks to the dierent sectors individual entitiesStore, process and report on larger sets supervisory dataSupervise a larger n

11、umber of entitiesLie monitor compliance withAML/CFT standards and act in cases of ybenefitsofnext-eneationplatomsApplication programming interaces (APIs)Naural language processing sot computing tehniquesDistributed ledger tehnologyMahine learningCommonnext-eneationehnologiesdepledinAML/CFTplatoms:er

12、view beneftsandhallenesorLEAsyehnologiesbeingdepled面臨的挑戰與恐融資新科技解決方案執法機關的速度處理結從而騰出人力資源用於分析複雜的洗黑對執法機關的好處顯而易見採用人工智能技術的先進術的看法及供當局考慮的事項新科技令打擊清洗黑錢/反恐融資工作更迅捷便高，料分析能力可以處理超出人類能力的大量資並以極 錢/的速度處理結從而騰出人力資源用於分析複雜的洗黑對執法機關的好處顯而易見採用人工智能技術的先進術的看法及供當局考慮的事項活動的模式追踪銳地意識整鍵新入33打擊清洗黑錢 打擊清洗黑錢 / 反恐融資平台採用下一代通用科技對執法機關的好處及相關挑戰概述

13、監督大量實體合規情資準則與其他主管當局交換資料風險入地識別並了解不同部個別實體涉及儲處理及匯報更大的監管數據集p:/w.tfiogdacnsprspruiielilif-Fl.isorAMLCFT2021年7月：理清洗黑錢/反恐融資科技的最新情況調整監管實並確保執法機關對其法律框架有充分的開發必要的技以了解新科技並培訓員工確保執法機關對其數字化計劃還調查哪些清洗黑錢/恐怖分子融資罪行最有以及數字化調查能力應該由內部開發私負責適度及基於風險的方式採用新科確保金融包容保障缺乏服務的人資料安全與主要挑戰與風險下一代平台的主要好處分佈式分類賬技術應用程式介面機器學習自然語言處理及軟計算技術採用的關鍵科

14、技44Evisioninghefutue:endgalstF plormsorLEsshouldaddsSource: KPMG/Quantxa08Evolvingfinancialcrimescenarios driven by machinelearning as well as advancedanalyticsto allow deeper real time investigations04Secureinterationsthroughdigital channelswithotherlaw agenciesFasterSource: KPMG/Quantxa08Evolvingf

15、inancialcrimescenarios driven by machinelearning as well as advancedanalyticsto allow deeper real time investigations04Secureinterationsthroughdigital channelswithotherlaw agenciesFasterresponsetimeto make to prevent fraud losses and to progress cases for prosecutionA brand-newgenerationof fighting

16、crime equipped with the knowledge of their predecessors0306Autonomous case file allocations, profiling and smart alert managementA state-of-the-artanalytics the existing STR reporting function0205oluionIngestion of all relevant data feeds, including future data feeds that unstructured dataEndGalA mo

17、bilisedandintegratedfinancial01crimeecosystemharnessing bnoth digital and on the ground intelligenceBuildingafuue-ocusedfinancialcimeecosysem:endoalsandpoential orlwenocementThe ultimate purpose of a tailored AML/CFT platform solution should be to allow LEAs to harness real- time information to figh

18、t financial crime and intelligence with other local and overseas LEAs, successful results for governments and improvingDataFusionEntityresolutionNetwork generationAdvanced frameworkVisualisation explorationEasilyDataFusionEntityresolutionNetwork generationAdvanced frameworkVisualisation explorationE

19、asily lngest and external data sets with minimal data prepSchema-agnostic ingest of new Create a dynamic single view of real-world across all dataPeople, addresses & moreLink resolved into networks that reveal connections with contextGraph queries across data dynamicallyCraft refine analytic models

20、based on world expertiseFeatures scorecardsScored alerts &triageMake all your people as effective & as your expertsExtensible and integrates with appssuggested end goals and potential solutions that focused LEAs should consider to bring their technology infrastructure up-to-date while maximising ope

21、rational effectiveness to put more criminals behind bars:should improve both efficiency and cost to the LEAs operations. Below, we illustrate the core components of a financial crime intelligence platform which can meet these needs while retaining a flexiblearchitecture that is adaptable for the fut

22、ure needs of LEAs:Core PlatformEnrichdataInternal data enriched with 3rdparty Underlying Platform CapabilitiesScalableProven scale 50bn 56 countriesBatch& Real-timeSupport for real-time and streaming casesTransparentML ER models are distilled white-box configHighly accurate99% accuracy on unseen in

23、independent testGranular securityRole based access to data in testOpen ArchitectureCloud/on-prem, standards open APIsSource: KPMG/Quantxa5實現的最機關打擊清洗黑錢/反恐融資平台應5資料來源畢馬威Quana更深入的實時調查08利資料來源畢馬威Quana更深入的實時調查08利用機器學習程式與先進分，知世代打擊犯罪人員需要具備前人的0403060205擷取所有相關數來非結構化 數據警報管理文件分風險分析與智能安全交流互動與其他執法機關進行利用數字智能技金融犯罪生態

24、 系統方持現有 TR 報告功能的最先進分以欺詐損01構建面向未來的金融犯罪生態系統最終執法目標與潛在解決方案付不斷變化的經濟形以及未來廿年新出現的犯罪趨勢並改進其財務行動特別組織的評估工因與並改進其財務行動特別組織的評估工因時執法與時俱同未來需求。以適應執法機關滿成部平未來需求。以適應執法機關核心平台數據融合和外部數據集的實體解析實體的單一視圖網絡生成到顯文關係動源的先進的分析框架根知識構建並完善分析模型類視覺化與探索像他相功能台豐富數據數據可擴展性056個國家批量及實时： 例透明度ML ER models are distilled white-box config高度準確，的9率為細緻的安

25、全性者細置開放式架構/式資料來源畢馬威QuanaKPMGandQuaawteferTo deliver a comprehensive end-to-end technology for LEAs, KPMG partners with global data and analytics software company Quantexa, a pioneer of Contextual Decision Intelligence.Quantexas platform uncovers hidden risk and new opportunities by providing a conte

26、xtual, connected view of internal and external data in a single place. The platform enhances operational performance with over 90% faster accuracy and 60 times faster analytical model resolution than traditional approaches. The platform enables LEAsto connect billions of data points at scale, while

27、revealing real-world connections in the data. Advanced analytics and AI allow teams to build stronger models with context, while enhanced data visualisation empowers accelerated decision-making.t e e n , G s with LEAs and other relevant government authorities to meet implementation timelines, adopt

28、any changes in AML/CFT regulatory requirements and respond to market developments.Technology is only an enabler to identify data which can assist to fight crime ultimately, a new generation of law enforcement officers will need to be skilled andtrained to use these technologies to maximise the gains

29、 of technology deployment. KPMG works with LEAs on change management and workplace transformation to help develop a target operating model that can guide them through the change.The chart below is an example of how KPMG and Quantexa can partner with your organisation across a range of capability are

30、as:66Source:Source: KPMG/QuantxaIntegration of GrovernmentGovernment IT infrastructureData Security TestingEnvironmental ReadinessIT OperationsProject and PartnerDeep Subject Matter Experts Financial Crime (AML, Fraudand Cyber)Business Rules and ScenariosNew API Adoption and FeedsChange Management a

31、nd Workforce Program AssuranceFDAP software license platformPlatform SupportIn-houseteamsKPMGQuantexaKPMGandQuanexa:ExamplebeakdwnofAML/CFTplatomdeelopment inegationservicesorLEAsLEAs Catching the Bad GuysEnd User Control & Customisation畢馬威與Quana可提供的服務场景決策智能的先驅與uaa场景決策智能的先驅而增強的數據可視化可加快決策速度aa平的關法了9度執

32、法6高人而增強的數據可視化可加快決策速度構/資監管要求的任何變並應對市場發展所需員需要熟練掌握這些科將科技部署的畢助作監管要求的任何變並應對市場發展所需合舉例說明畢馬威及 Quana 如何各方面與貴機構畢馬威及 Quana執法機關打擊清洗黑錢 /反恐融資平台開發與集成服務示例執法機關抓住壞人終端用戶控制和定制77QuantexaFAP軟件牌照與平台平台支持資料來源畢馬威Quana畢馬威項目與轉型合作夥伴詐）商業規則與場景數據來源應用程式介面及變革管理與勞動力轉型項目鑒證內部團隊政府系統集成政府資訊科技基礎設施數據安全測試環境準備情況資訊科技運作88KPMG and Quantexa lever

33、age deep and wide-ranging experience, both locally and through our global handing large-scale AML/CFT programmes and Regtechinitiatives for government clients in leading financial hubs around the world, including Hong Kong and Singapore. A w f r t s d s e e Source:Source: KPMG/QuantxaClient: Ministerial government departmentAssist the launching of Regtech Knowledge Build on existing analysis to form for long-term design of the countrys sysoicioys activity reports (SARs) regime as part of a set of wider reforms to combat financial crimeSupport the regulator