Raka'a
1. Gabatarwa zuwa Hankali na Artificial a Banki: Matsayi, Iyakoki, Tabbatarwa da Da'a 2. Ƙimar Haɗarin Kiredit da Tallafin Maki: Tabbatar da daftarin AI 3. Gano Zamba: Anomaly, Gargaɗi da Gudanar da Ƙararrawar Ƙarya 4. Rarraba Abokin Ciniki da Keɓancewa: Tsakanin Iyakokin Da'a 5. Chatbot da Sabis na Abokin Ciniki: Amintaccen Aiki da Mahimman Bayanai 6. Yarda, AML da KYC: Sani Abokin Cinikinku da Anti-Money Laundering AI 7. Rahoton da Takardu Aiki Aiki: Amintaccen Yawo daga Daftarin aiki zuwa Amincewa 8. Binciken Kudi da Tallafin Shawara: Fassarar Ƙididdiga 9. Son Zuciya, Adalci da Wariya: Wuraren Makafi na Model 10. Sirrin Bayanai, KVKK, Sirrin Abokin ciniki da Doka 11. Ƙarshe-zuwa-Ƙarshen Ƙarshen Aiki, Gudanar da Samfura da Binciken Kai
Naúrar 6 / 11

Yarda, AML da KYC: Sani Abokin Cinikinku da Anti-Money Laundering AI

Riba:

  • Fahimtar yadda tsarin AML (cin haramun kuɗi) da KYC (san abokin cinikin ku) ke aiki da yadda ake amfani da hankali na wucin gadi a cikin sa ido kan ma'amala, dubawa da taƙaitaccen fayil
  • Ikon yin amfani da AI don ƙayyadaddun ma'amala mai ban sha'awa da taƙaitaccen bayanin haɗarin abokin ciniki, barin yanke shawarar ma'amala mai ban sha'awa (STR) ga jami'in yarda da izini
  • Ƙaddamarwa/Tunawar PEP, rashin daidaituwa, da ikon fahimtar dalilin da yasa bin doka yana buƙatar kulawar ɗan adam da kula da hanyar duba.

Bankunan ba kawai adana kuɗi ba; Hakanan yana riƙe da ƙofar tsarin kuɗi. Bankunan suna da haƙƙin doka don hana baƙar fata baƙar fata, ba da tallafin ƴan ta'adda da kudaden da aka sanyawa takunkumi shiga ta wannan kofa. Hanyoyi guda biyu masu mahimmanci suna ba da damar wannan: KYC (Know Your Customer) shine tabbatar da ko wanene abokin ciniki da kuma tushen kuɗin da yake kasuwanci da shi; AML (Anti-Money Laundering) shine sanya ido kan ma'amaloli da gano abubuwan da ake tuhuma. A Turkiye, mai kula da wannan filin shine MASAK (Hukumar Binciken Laifukan Kuɗi) kuma dole ne bankuna su ba da rahoton ma'amaloli masu tuhuma tare da rahoton ma'amala (STR/SAR). AI yana da ƙarfi wajen sarrafa wannan ɗimbin girma na saka idanu na ma'amala, bincika suna, da taƙaitaccen fayil; Amma shawarar STR yanke shawara ce da ke da sakamakon shari'a kuma mallakar jami'in bin doka da oda. Samfurin yana samar da gwaji na farko da daftarin aiki, ba ya yanke shawara.

A cikin wannan rukunin, za mu ga yadda AML/KYC ke aiki, yadda ake amfani da AI wajen sa ido kan ma'amala, dubawa da taƙaitaccen fayil, da kuma dalilin da yasa sa ido na ɗan adam da bin sawu yake da mahimmanci.

Yadda KYC da AML ke aiki

  • KYC (Ganewar abokin ciniki): Tabbacin shaida, gano ainihin mai cin gajiyar (babban mai asusun), rarrabuwar haɗari. Tsantsan bincike ya shafi abokan ciniki masu haɗari (misali PEP - Mutumin da Aka Bayyana Siyasa).
  • Sa ido kan ma'amala: Binciken ma'amaloli na abokin ciniki don sanannun ƙirar wanki (smurfing - raba adadi mai yawa zuwa sassa na ƙasa, saurin shigarwa da fita, cibiyoyin sadarwar asusun da ba su da alaƙa).
  • Nunawa: Kwatanta sunaye tare da jerin takunkumi da jerin PEP.
  • Sanarwa (STR): Sanarwa ga MASAK lokacin da tuhuma ta kai matakin da ya dace.
Tukwici: A cikin AML, makasudin ba shine "tabbatar da laifi ba" amma don "ba da rahoton zato mai ma'ana." Jami'in bin doka ba mai gabatar da kara ba ne; wajibi ne ya kimanta zato daidai kuma ya ba da sanarwar doka a kan lokaci. Wannan kima yana buƙatar hukunci kuma ba za a iya ba da shi ga abin ƙima ba.

Inda basirar wucin gadi ke taimakawa

nema

AI rawar

Wanene ke da shawara/ yarda?

Bibiyar tsari, alamar ƙira

Samar da faɗakarwa

Manazarcin bin ka'ida yayi nazari

Suna / takunkumi / tantancewar PEP

Dan takarar wasa

Jami'in bin doka ya tabbatar

Takaitaccen fayil ɗin abokin ciniki

Takaitaccen daftarin

Manazarci ya tabbatar

Daftarin bayanin martabar haɗari

Daftarin rarrabawa

Yana tabbatar da yarda

Daftarin rubutu na STR

daftarin rubutu

Hukunci/sa hannun jami'in yarda da izini

Yana samar da samfurin pre-screening da zayyana kowane layi; Shawarar ba da rahoton ma'amaloli da ake tuhuma ta rataya ne ga jami'in bin doka da oda.

Matsalar wasan karya

Wannan shine inda binciken suna ke haifar da kurakurai da yawa. Akwai dubban mutane masu suna "Mehmet Yılmaz"; A "Mehmet Yılmaz" a cikin jerin takunkumi kuma abokin ciniki ba dole ne ya zama mutum ɗaya ba. Ana kiran wannan wasa mara kyau. Dole ne jami'in bin doka ya tabbatar da wasan tare da ƙarin abubuwan ganowa kamar ranar haihuwa, ɗan ƙasa, lambar tantancewa, da sauransu. Dukansu kurakurai suna da tsanani: ayyana abokin ciniki mara laifi da kuma rasa ainihin wasa. Saboda haka, yanke shawara ya rage ga mutum.

Lura: "Tsarin da ya dace" baya nufin "mutum shine daya". Bayyana abokin ciniki a matsayin takunkumi ta kuskure ba kawai yana haifar da mummunar cutarwa ga mutumin ba har ma yana sanya banki cikin haɗari na doka. Ana tabbatar da wasan koyaushe tare da ƙarin masu ganowa.

Samfura huɗu masu kwafi

1) Tsarin tsari kafin kimantawa:

Matsayinku: Mataimaki ga manazarcin AML wanda ya SHIRYA bita. Hukunci. Jerin ma'amalolin da ba a san su ba: [6 raba adibas na 9,800 TL a cikin kwanaki 10, ATMs daban-daban]. Aiki: Wadanne sanannun tsarin wanki (tsari, saurin shigarwa, da sauransu) zai iya zama irin wannan jerin? Sanya kowane kamance da bayanai; kar a zartar da "hukunci mai tambaya"; Jera tambayoyin da za a bita.

2) Jerin tabbatar da wasan suna:

Sunan abokin ciniki ya yi daidai da jerin tilastawa/PEP. Lissafa ƙarin abubuwan ganowa da matakan da jami'in bin doka ya kamata ya bincika don kawar da MATSARIN KARYA. Kada ku yi hukunci; Ƙirƙirar saitin tambaya kawai. (Misali: ranar haihuwa, ɗan ƙasa, lambar ID, haɗe-haɗe.)

3) Takaitaccen fayil ɗin abokin ciniki (KYC review):

Matsayinku: Mataimakin taƙaitaccen fayil na KYC. Ƙara sabon bayani BASED akan bayanan sirrin fayil ɗin da na ba ku. Aiki: samar da tsari, taƙaitaccen taƙaitaccen bayanin haɗarin abokin ciniki; yi alama ga kowane mahimmin maki ko ɓacewa a matsayin "[tabbatar da ake buƙata]". Jami'in bin doka zai yanke shawarar matakin haɗari.

4) Daftarin rubutu na STR:

Matsayinku: mataimaki wanda ya zana rahoton ma'amala mai tuhuma.Tsashe akan ingantattun binciken kawai, kar a ƙara hasashe. Bayyana cikin tsaka tsaki, yare na gaskiya dalilin da yasa ake ɗaukar ma'amalar abin tuhuma. Shawarar sanarwa ta ƙarshe da sa hannu na na jami'in yarda da izini ne; Wannan daftarin ne. Sakamakon: [tabbataccen ciniki da bayanin kula]

Rauni mai ƙarfi / Ƙarfi mai ƙarfi

Rawanin faɗakarwa:

Yanke shawarar idan wannan abokin ciniki yana da shakku, shin ina buƙatar yin STR? Idan sunan ya dace da lissafin, yi la'akari da takunkumi kai tsaye.

Yana buƙatar hukuncin shari'a daga samfurin, yayi watsi da rashin daidaituwa, kuma baya kafa hanyar tantancewa.

Ƙarfi mai ƙarfi:

Matsayin ku: mataimaki wanda ke ba da riga-kafi da zayyanawa ga mai nazarin yarda, ba mai yanke shawara ba. Ƙirƙiri tsarin ma'amala don kamanceceniya da sanannen kasada; Haɗa kowane abu zuwa bayanai. Yi la'akari da sunan ya dace da "dan takara" kuma samar da tambayoyin tabbatarwa tare da ƙarin masu ganowa. Samar da STR da sa hannu sun kasance na jami'in yarda da izini. Alama rashin tabbas.

Buƙatar mai ƙarfi tana sanya mai neman cancantar zama daftarin aiki, tana ɗaukar rashin daidaituwa, kuma ta bar yanke shawara ga jami'in.

uku mini lokuta

Hali na 1 - An kama saiti. Samfurin yana nuna adibas 7 a cikin kewayon 9,500-9,900 TL zuwa asusun daga rassa daban-daban a cikin kwanaki 8; duk yana ƙasa da iyakar bayar da rahoto. Manazarci yayi bitar sa, ya gano cewa bai dace da aikin da abokin ciniki ya ayyana ba, kuma jami'in bin doka da oda ya tabbatar kuma ya amince da daftarin STR. Samfurin da ya riga ya cancanta, an yanke shawarar da mutuntaka.

Harka 2 - An kawar da wasa mara kyau. Nunawa yayi daidai da abokin ciniki mai suna akan jerin takunkumi. Jami'in bin doka yana kwatanta ranar haihuwa da ɗan ƙasa: ba su dace ba. Wannan rashin daidaituwa ne; Ana cire rikodin ba tare da cutar da abokin ciniki ba. Idan aka yi masa alama ta atomatik a matsayin "ƙaddara takunkumi", mutumin da ba shi da laifi zai fuskanci mummunar cutarwa.

Case 3 - Hadarin wuce gona da iri. Ƙungiya ɗaya ta ba da shawarar canza duk faɗakarwar da samfurin ya samar ta atomatik zuwa STR ba tare da sake duba su ba. An ƙi wannan: ba wai kawai mafi yawan faɗakarwa tabbataccen gaskiya ba ne, amma rashin gaskiya, kwararar sanarwa mara sa ido ba ta da kariya a gaban MASAK da kuma a cikin doka. Ana sake gina tsarin tare da bitar ɗan adam da kuma hanyar tantancewa.

Dalilin da yasa hanyar tantancewa shine kashin bayan AML

A cikin AML, yana da mahimmanci don yin sanarwa don samun damar nuna dalilin da yasa kuka yi wannan sanarwar (ko dalilin da yasa ba ku sanya shi ba). Lokacin da mai binciken ya zo bayan shekaru, sai ya ce "ka ga wannan gargadin, me ya sa ba ka yi STR ba?" yana iya tambaya; Dole ne a rubuta amsar ku kuma a ba da gaskiya. Shi ya sa kowane mataki a cikin tsarin AML ya bar wata alama:

  • Rikodi na faɗakarwa: Wanne ƙa'ida/samfurin da aka yiwa alama wanne aiki, tare da wanne maki.
  • Rikodin bita: Menene manazarcin ya kalli, menene ƙarin bayani ya tattara, akwai hulɗa da abokin ciniki?
  • Tabbatar da shawarar: STR ya kasance / ba a yi ba kuma me yasa; wa ya amince?

AI na iya hanzarta samar da daftarin waɗannan bayanan; amma daidaito da cikar rikodin alhakin jami'in bin doka ne. Halin "Mun yanke shawarar amma ba mu rubuta dalilin da yasa muka yanke shi ba" shine matsayi mafi girma a cikin AML.

Tukwici: Kyakkyawan hanyar duba ta dogara ne akan bayanin da aka yi a lokacin yanke shawara, ba tunanin "Zan tuna da shi daga baya" ba. Tsawon lokaci yana shafe cikakkun bayanai; Yi rikodin dalilin lokaci guda tare da yanke shawara. Wannan yana da mahimmanci ga duka dokoki da kariyar kai.

Kuskuren gama gari

  • Yin samfurin rinjaye. Mayar da faɗakarwa zuwa STR ta atomatik; STR hukunci ne na doka, na jami'in bin doka ne.
  • Yin watsi da wasa mara kyau. La'akari da abokin ciniki a matsayin takunkumi ba tare da tabbatar da kamancen sunan ba.
  • Bayyana tuhuma ga abokin ciniki. Cewa "Akwai zato a kan ku" (tipping-off); An haramta shi a yawancin dokoki.
  • Ba barin hanyar dubawa. Rashin rubuta dalilin kashedi, bita da yanke shawara.
  • Ketare mai cin gajiyar gaske. Kammala KYC ba tare da tabbatar da ainihin mai asusun ba.
Hankali: Ana iya bayyana rashi a cikin filin AML/KYC a cikin binciken shekaru bayan haka kuma yana iya sanya tarar gudanarwa mai nauyi akan banki. Don haka, kowace shawara dole ne a yi la'akari, rubutawa kuma a amince da mutum; "Tsarin ya gaza" ba uzuri ba ne.

a takaice

KYC yana gane abokin ciniki da tushen kuɗi, AML yana kula da ma'amaloli kuma yana gano wanda ake zargi; Ana yin sanarwar zuwa MASAK ta hanyar STR. AI babban mai dubawa ne mai ƙarfi a cikin sa ido kan ma'amala, tantancewa, da taƙaitaccen shari'a, amma STR da hukuncin tilastawa ya rataya ne ga jami'in yarda da izini. An kawar da matches na karya tare da ƙarin masu ganowa, ana kiyaye hanyar duba a kowane mataki, ba a bayyana wani tuhuma ga abokin ciniki ba. A cikin jumla ɗaya: AI yana haskaka wanda ake zargi; Jami'in da ke da izini yana yin sanarwar sanarwa da shawarar yarda.

Aikin aikace-aikace

Ƙayyade jerin ma'amaloli da ba a san su ba (kamar ma'amalar ma'amala da yawa) da kuma kimanta tsarin tare da ƙira 1. Sa'an nan kuma ƙirƙiri yanayin wasan suna kuma samar da jerin abubuwan tabbatarwa tare da samfuri na 2 kuma rubuta yanke shawarar ku lokacin da ranar haihuwa/ƙasarar ba ta dace ba. A ƙarshe, samar da daftarin STR tare da samfuri na 4 kuma duba shi don hasashe; Lura wanda ke da yanke shawara na ƙarshe.

jerin abubuwan dubawa

  • [ ] Na ɗauki gargaɗin azaman riga-kafi; Ban canza shi zuwa STR ta atomatik ba.
  • [ ] Na tabbatar da wasan sunan tare da ƙarin masu ganowa (tabbacin rashin daidaituwa).
  • [ ] A KYC, na lura da ainihin mai cin gajiyar da tushen kuɗi.
  • [ ] Ban bayyana zargin ga abokin ciniki ba (ban da tipping-off ban).
  • [ ] Na rubuta dalilin da kuma duba sawu na kowane mataki.
  • [ ] Na bar STR/ tanadin yarda ga jami'in da ke da izini.
A baya Na gaba