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国际资讯监管与政策

FCA发布监管科技与反洗钱研究报告

8月2日,英国金融行为监管局(后文简称FCA)发布了一份名为《新科技与反洗钱监察》的研究报告。本次研究历时三个月,共有大约40家受监管企业、技术服务供应商和其他机构参与调查。调查一般会涉及以下几个问题,比如:

  1. 你认为新兴技术在反洗钱监察方面能发挥哪些关键作用?它们是如何辅助反洗钱监察工作的?
  2. 企业在引进这些新技术时面临哪些挑战?
  3. 目前在利用新兴技术进行反洗钱监察方面有哪些成功的案例和经验值得学习?
  4. FCA应采取哪些措施进一步推动反洗钱监察创新?

在所有涉及的技术中,被调查方讨论最多的就是数据分析、及其学习和自然语言处理,因为他们认为这些技术在改革整个反洗钱监察合规过程中都具有非常大的潜力。

而技术领域的被调查机构则对其技术和服务的前景持审慎乐观态度。这些企业认为,其技术已被证明具备提高企业反洗钱监察能力的潜力,但是在实际市场推广中仍然面临不小的挑战,不如许多大型金融服务企业就对这些技术新秀的能力提出了质疑。

而FCA方面的态度则比较乐观。但受调查的机构方表示,他们还是希望监管机构能够做出更多的改变--比如更新监管条例/指导意见,反映新兴技术(例如广泛推广数字业务渠道)发展需求,同时辅助其他行业发展。

2017年6月26日,英国《反洗钱监管条例(2017)》正式生效。为满足监管要求,相关企业正在积极更新其反洗钱企业管理条例。而这份报告的发布恰好可以为企业提供一些参考意见。

The UK Financial Conduct Authority (FCA) published a report on 2 August entitled “’New Technologies and Anti-Money Laundering Compliance”. The report details findings of three months of research by the authors PA Consulting. The work included over 40 interviews with regulated firms, technology providers, and other bodies. The report sets out respondents’ views on topics such as:

  1. What are the key functions of new and emerging technologies related to anti-money laundering (AML) compliance, and how can they aid compliance activities?
  2. What challenges do firms face in introducing new technologies?
  3. What good practice examples and lessons are available for firms considering new compliance technologies?
  4. What steps could the FCA take to encourage more innovation in AML compliance?

Of the various technologies considered, the most highly regarded by respondents were those related to data analytics, machine learning and natural language processing (NLP) all of which were considered to have potential for transforming almost every part of the AML compliance lifecycle. Respondents from the technology sector were cautiously optimistic around the marketplace for their technologies and services. Many felt that they had technologies that were proven, robust and able to significantly improve the way in which regulated firms approach AML compliance. However, they face a range of obstacles to wider adoption, including some scepticism about their capabilities from larger financial services firms. Views on the FCA were generally positive. However, respondents highlighted a number of areas where they would prefer to see greater action taken by the regulator – including updating regulations/guidance to reflect the emergence of new technologies (including the broad adoption of digital channels), as well as potentially facilitating further industry-wide discussions on AML compliance and relevant new technologies.

The publication of the report coincides with UK firms updating their AML policies to comply with the new UK Money Laundering Regulations 2017 which came into force on 26 June 2017.


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