A Study On The Optimization Of Anti Money Laundering In Commercial Banks

The change of international situation drives the world to pay attention to money laundering.It is precisely because the international community attaches great importance to money laundering that anti money laundering work has entered into the vision of more and more people.Generally speaking,anti money laundering is a government project in which the government uses the law as a weapon to mobilize the enthusiasm of financial institutions and commercial institutions,so that they can identify the legalization of illegal income,properly handle the relevant funds,and punish the money launderers or institutions,so as to prevent such criminal activities.China has carried out the anti money laundering work for more than ten years.The financial institutions in China have made some achievements in fulfilling the obligations of anti money laundering and anti terrorist financing.However,due to the profit-seeking nature of our financial institutions and the poor supervision of the regulatory authorities,our financial institutions are still unable to meet the high standards and requirements of international supervision.In recent years,a large number of financial institutions have been involved in money laundering cases due to serious violations of anti money laundering regulations,and have been severely punished by the anti money laundering regulatory authorities.At the end of 2016,the New York branch of state-owned bank X was imposed the heaviest anti money laundering penalty in history for violating the anti money laundering laws and regulations of the United States.As an important part of the financial system,commercial banks have an unshirkable responsibility in anti money laundering.Therefore,commercial banks must pay attention to the anti money laundering work,so it is very necessary to study the anti money laundering work of commercial banks now.This paper takes the anti money laundering work of bank x as the core research object,and based on the research results of many scholars on the anti money laundering of commercial banks and the anti money laundering work of bank x itself,investigates and analyzes the main content of the existing anti money laundering work of bank X and the problems existing in its operation.The problems include: unreasonable post setting;insufficient publicity of internal control culture;insufficient training of anti money laundering personnel,insufficient talent reserve;lack of customer identification methods;rich suspicious transaction monitoring model;disclosure of anti money laundering information from time to time;failure of bank to obtain complete transaction information due to authority reasons,etc.Based on the analysis of the problems,this paper puts forward corresponding suggestions from four aspects of anti money laundering work,such as personnel factor,system factor,information technology application factor,external factor,etc.,such as using artificial intelligence and big data to strengthen suspicious transaction monitoring and customer identification,increasing the training and publicity of anti money laundering,designing scientific reward and punishment mechanism,etc.