Study On Z Bank Suspicious Transaction Report And Its Subsequent Control System Optimization

At present,money laundering crimes occur frequently and frequently,and illegal and criminal activities such as telecom fraud and online gambling seriously endanger people’s property safety.Anti-money laundering is of great significance for combating money laundering crimes.Suspicious transaction report is the core link of anti-money laundering work,and it is the obligation of financial institutions to do a good job in suspicious transaction report and subsequent control.It is of great significance to curb money laundering crimes and relieve money laundering risks of financial institutions.This paper takes Z Bank as the research object and studies its suspicious transaction report and subsequent control work through literature induction,case analysis,data analysis and other methods.Firstly,the concepts of money laundering and suspicious transaction report are explained.From four aspects of system,system,action execution and personnel allocation,the suspicious transaction report of Z bank and its subsequent management and control work are introduced.It is pointed out that the working system of Z bank has the problem of insufficient effectiveness,mainly reflected in the suspicious transaction report intelligence value is not high,the control effect is not ideal.Then it analyzes the causes of the problems,including weak system operation,high rate of system early warning and exclusion,single control measures,lack of professional personnel and so on.The specific work system optimization plan is proposed,which can be divided into four aspects:system,system,action execution and personnel allocation.The system optimization includes the establishment of reporting reward and control compensation mechanism,and the clarification of control subject responsibilities.System optimization includes increasing gang warning and establishing control action"collection";The implementation optimization includes strengthening customer identity,continuously promoting customer information governance,etc.;The optimization of personnel team can improve the job attraction,establish long-term mechanism of personnel training and multilevel training system.Finally,the research conclusion is:Z Bank suspicious transaction report and its follow-up control system can operate normally,but there is a problem of insufficient effectiveness.The effectiveness of the work system will be significantly improved after optimization.