银行业：2025年亚太地区金融犯罪执行人员需要了解的内容

Investment Rating - The report does not explicitly provide an investment rating for the industry Core Insights - The dynamic nature of financial crime remains a significant issue for financial institutions in the Asia-Pacific (APAC) region, driven by innovative methods employed by criminals and increasing regulatory demands [3] - Financial institutions must ensure the effectiveness of their anti-money laundering (AML) programs while balancing customer experience, effectiveness, and efficiency [4] - The evolution of global regulatory frameworks will continue in 2025, driven by the need for financial institutions to have a deeper understanding of their clients and to adopt advanced automated financial crime risk management technologies [5] Regulatory Focus - Strengthening beneficial ownership transparency is a key focus for regulators, especially in Southeast Asia, following high-profile money laundering scandals [6] - There is an increasing emphasis on risk-based approaches, requiring financial institutions to adopt effective risk management strategies tailored to specific risks [6] - The application of advanced automated financial crime risk management technologies, including AI, must meet regulatory expectations and ethical standards [7] Emerging Financial Crime Methods - By 2025, new financial crime methods are expected to emerge, highlighting the need for financial institutions to update and strengthen their risk management procedures [8] - Criminals are increasingly using synthetic identity fraud, combining real and fake information to create new identities, necessitating effective control measures from financial institutions [9] - Online gaming platforms are being exploited for money laundering due to the ease of converting in-game currency to real money, requiring financial institutions to reassess their risk management strategies [10] - Digital assets and cryptocurrencies are becoming a regulatory focus, with institutions needing to understand the regulatory landscape and implement anti-money laundering checks [11] Geopolitical Influences - Geopolitical tensions surrounding Russia, China, and the Middle East will continue to impact compliance in the APAC region, complicating international sanctions regimes [13] Embracing Technology - Financial institutions need to evolve their anti-financial crime (AFC) operations by leveraging artificial intelligence and technology to enhance compliance and risk management [14] - A balanced approach between automation and human expertise is essential for effective risk management, with a clear strategy for AI implementation being crucial [15] - AFC executives should prioritize strengthening their technology, processes, and operational models to improve compliance and risk management [17]