Group 1: Event Background - Financial fraud is rapidly escalating, with new threat patterns emerging in global and Asia-Pacific markets. Financial institutions and companies must rethink how to identify, respond to, and prevent fraud [1] - The online seminar will explore major trends affecting the threat landscape, including complex fraud techniques related to financial crime and the defensive strategies being adopted by industry peers [1] - Attendees will gain insights on identifying various financial frauds and related crimes through real case studies, which will provoke critical thinking [1] Group 2: Event Information - The online seminar is scheduled for August 7, 2025, at 4 PM Beijing time, and will be conducted in English [3] - The seminar will be hosted by Rose Marie Sixta, Southeast Asia Market Customer Success Manager, and Gokce Arslan Kumar, Senior Manager of Research Knowledge Management at LSEG Risk Intelligence [3] Group 3: Company Product Overview - LSEG World-Check has been providing accurate and structured information for over 20 years, assisting companies in fulfilling KYC and third-party due diligence screening obligations [6][10] - The database helps financial institutions and regulated non-bank sectors comply with mandatory regulations related to KYC, anti-money laundering, counter-terrorism financing, anti-bribery, and anti-corruption [8][10] - World-Check integrates global intelligence, human expertise, and cutting-edge technology to help organizations identify hidden financial system risks [8] Group 4: Data and Features - World-Check offers access to over 4 million highly structured records, including information from reputable public domain sources to assist in due diligence obligations and identify potential financial crime activities [15][19] - The database includes specific datasets for monitoring politically exposed persons (PEPs), sanctions lists, and negative media, among others [19]

Core Viewpoint - The article discusses the reasons behind banks questioning customers about the purpose of large cash withdrawals, emphasizing the importance of preventing money laundering and protecting customers from fraud [3]. Group 1: Reasons for Bank Inquiries - Banks inquire about cash withdrawal purposes to curb money laundering and maintain financial stability, as mandated by China's Anti-Money Laundering Law [3]. - The inquiries also aim to prevent telecom fraud, particularly protecting elderly customers who may be more vulnerable to scams [3]. Group 2: Customer Responses to Bank Inquiries - Customers can respond to bank inquiries by citing the Commercial Banking Law, asserting their rights to withdraw funds without disclosing specific purposes [5]. - In cases where bank staff persist in questioning, customers can reference the Anti-Money Laundering Law and request written legal justification for continued inquiries [6][8]. - If banks delay or obstruct withdrawals, customers can invoke regulations from the China Banking and Insurance Regulatory Commission, indicating their right to file complaints [8][10]. Group 3: Evidence and Documentation - Customers are advised to record conversations during withdrawal attempts to document any obstruction, stating their transaction is legal and that recordings may serve as evidence for complaints [10]. - It is also recommended to keep receipts and note the bank staff's identification details for further reference [10].

Core Viewpoint - Recent announcements from multiple rural commercial banks in Hunan province indicate a restriction on ATM withdrawals using cards from other banks during the hours of midnight to 6 AM, reflecting heightened concerns over anti-money laundering and anti-fraud measures [1][2][5]. Group 1: Announcement Details - Hunan Yuanjiang Rural Commercial Bank announced that starting July 25, ATM services will not support withdrawals using other bank cards from 0:00 to 6:00 AM, with the service available from 6:01 AM to 11:59 PM [1][5]. - Similar announcements have been made by other rural commercial banks in Hunan, such as Xiangtan Rural Commercial Bank, which implemented the same restrictions starting July 23 [6]. Group 2: Industry Context - The adjustments in ATM withdrawal policies are attributed to increasing pressures from regulatory bodies regarding anti-fraud and anti-money laundering efforts, as well as incidents of fraud involving late-night withdrawals [2][7]. - Reports indicate that rural banks' ATMs have become targets for fraudsters, particularly in rural areas, where they exploit the system to withdraw funds during off-peak hours [7].

每经记者｜黄婉银 特约记者丨李旭馗 每经编辑｜张海妮 7月23日，香港金融管理局总裁余伟文发文再谈稳定币监管，强调需为当前稳定币市场的过度炒作降 温，并阐述了监管机构在稳妥、可持续原则下推动《稳定币条例》落地的下一步举措。他透露，香港金 融管理局将于下周公布"稳定币发行人发牌制度"的摘要说明，详细说明牌照申请的具体安排。 文章发布于香港金融管理局官网的专栏《汇思》中，该栏目由高层人员撰写，阐述香港金融管理局一些 重要的新政策及工作或公众关心的其他事宜。《每日经济新闻》记者梳理发现，这是自2022年年初以 来，余伟文第四次在《汇思》栏目中探讨稳定币相关话题。 余伟文指出，稳定币作为新兴支付工具进入传统金融体系有其积极意义，但必须警惕市场和舆论的过度 炒作。他列举了两个值得关注的现象： 一是过度概念化。余伟文表示，围绕稳定币的讨论容易集中于其对传统金融特别是支付体系的颠覆作 用，但是一旦要由虚入实，从概念和理论层面转到应用场景和具体安排，就出现明显落差。 据悉，目前已有数十家机构接触香港金融管理局，有的明确表示有意申请稳定币牌照，有的属于初步探 路性质。但大多仅停留在提升跨境支付效率、支持Web3.0发展、提升外 ...

《金融时报》记者梳理同花顺（300033）iFinD数据发现，今年上半年，中国人民银行、国家金融监督 管理总局以及国家外汇管理局（以下简称"一行两局"）对银行业金融机构（包括各分支机构）共开出 1010张罚单，罚没总金额约7.44亿元（以处罚公告日统计）。 值得关注的是，随着监管"同步追责"态势持续，今年上半年，银行业共有1675人被罚，其中，有46名银 行工作人员被监管"红牌罚下"，禁止从事银行业工作终身。从被罚原因看，信贷业务违规依然占"大 头"，近半数罚单与此相关。此外，商业银行违规事项还涉及反洗钱业务违规、账户管理不到位等多个 方面。 风险管理是银行永恒的课题。在业内人士看来，金融监管正在从"严"向"精"，金融机构需要加强合规管 理和风险控制，调整业务结构和发展战略，不断提高信息披露和透明度水平。 罚单数量、金额较去年同期上升 总体来看，2025年上半年，银行业机构收到的1010张罚单、约7.44亿元的罚没金额较去年同期相比均有 上升。 在上半年中，罚单数量和罚没总额最高的月份均为1月份。具体来看，今年1月份，银行业罚单数量高达 254张，占上半年罚单总数的近三成；被罚没总额超2.87亿元，占上半年总 ...

7月23日，香港金管局总裁余伟文再次发文给稳定币降温。 余伟文表示，已经有数十家机构主动接触金管局团队表达对稳定币牌照的兴趣，但初期只会发放数个稳定币牌 照。余伟文还强调，争取在7月底正式发布《稳定币条例》下的监管和反洗钱两份指引，而金管局将于下周公 布"稳定币发行人发牌制度"的摘要说明，文件会阐述金管局接受和处理牌照申请的安排。 在文中，余伟文表示，稳定币作为新兴的支付工具，并通过监管而逐渐进入传统金融体系，有积极的意义，公 众对它的功能和发展前景感兴趣并有所期待非常正常。但他认为，近期市场和舆论的过度炒作值得关注。 一是过度概念化。余伟文认为，当前围绕稳定币的讨论容易集中于其对传统金融特别是支付体系的颠覆作用， 但是一旦要由虚入实，从概念和理论层面转到应用场景和具体安排，就出现明显落差。他以香港的经验为例， 至今已经有数十家机构主动接触金管局团队，有的明确表示有意申请稳定币牌照，有的属于初步探路性质。总 结这些接触发现，很多只停留在概念阶段，如提出要提升跨境支付效率、支持Web3.0发展、提升外汇市场效 率等愿景，但缺乏实际的应用场景，无法提出切实可行的具体方案和落实计划，更遑论具备管控风险的意识和 能力 ...

Core Points - The incident involving the freezing of travel plans for Wall Street executives to China highlights a significant compliance and regulatory risk in cross-border finance [1][3][5] - The arrest of a top executive from Wells Fargo, who is also the chair of the global factoring organization FCI, signals a serious escalation in geopolitical tensions affecting financial operations [3][8] - The situation reflects a broader trend of increased scrutiny and regulatory challenges faced by foreign banks operating in China, particularly in light of past compliance failures [6][8] Group 1: Company Actions - Wells Fargo has frozen all travel to China for its employees following the incident, indicating a reactive approach to compliance and safety concerns [3] - Other major banks, including JPMorgan and Goldman Sachs, have also taken precautionary measures, such as canceling trips and increasing oversight on financial operations in China [3][5] - The incident has led to a collective retreat from Wall Street, emphasizing the urgency of compliance in the current geopolitical climate [3][6] Group 2: Regulatory Environment - The Chinese government has made it clear that all individuals, regardless of nationality, must adhere to Chinese laws, which has raised alarms among foreign financial institutions [3][5] - The case involving the Wells Fargo executive is tied to broader concerns about compliance with Chinese regulations, particularly regarding anti-money laundering laws [6][8] - The historical compliance issues faced by Wells Fargo, including significant fines for past misconduct, have intensified scrutiny on its operations and raised questions about the integrity of its financial practices [6][8] Group 3: Industry Implications - The incident underscores the fragility of trust in cross-border financial transactions, particularly in light of the increasing regulatory pressures from both the U.S. and Chinese governments [6][8] - The potential for financial innovation to be perceived as a means of circumventing regulations has created a challenging environment for foreign banks operating in China [6][8] - The situation has led to significant disruptions in cash flow for businesses relying on cross-border financing, highlighting the interconnectedness of global finance and the risks involved [6][8]

如今国际形势起起伏伏，所谓乱世买黄金，这句至理名言的含金量还在不断上升，金价上涨当然与国际形式有关，但是当买黄金需要上报的 公告一出现，国内就开始弥漫硝烟的味道了。 来源：智通财经 ①中国人民银行发布《贵金属和宝石从业机构反洗钱和反恐怖融资管理办法》，要求客户单笔或日累计金额人民币10万元以上的交易，从业 机构需在5个工作日内提交大额交易报告； ②该办法旨在预防洗钱和恐怖融资活动，加强贵金属和宝石从业机构的反洗钱工作，并根据洗钱风险状况对从业机构实施分类管理。 智通财经7月2日讯，近日，中国人民银行发布《贵金属和宝石从业机构反洗钱和反恐怖融资管理办法》（下称《办法》）。 | | | | 中国人民银行 THE PEOPLE'S BANK OF CHINA | | 条法司 Legal Affairs Department | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 信息公开 | 新闻发布 | 法律法规 | 货币政策 | 宏观审假 | 信贷政策 | 全融市场 | 金融稳定 | 国重绕计 | 银行会 ...

作为新一轮科技革命和产业变革的关键引擎，人工智能技术在以前所未有的速度和力度驱动商业银行等 金融机构持续升级反洗钱工作质效。在此背景下，长期深耕反洗钱等风控领域，在赛迪顾问发布的 《2024中国银行业IT解决方案市场份额分析报告》中反洗钱领域位列第一的北京领雁科技股份有限公司 (以下简称"领雁科技")，以对核心技术自主创新的持之以恒，着力从"'融合AI深度优化传统专家模型； 结合多模态特征融合AI建模、正负样本动态权重调整及千人千面自适应监控等技术强化模型的适应性 和精准性；打造反洗钱AI智能体'等三个方向革新数智时代的反洗钱工作模式，在锚定降本增效目标的 同时，助力商业银行构筑契合数智转型及合规监管要求的'主动、智能、持续'洗钱防控体系。"领雁科 技反洗钱专家高建新说道。 金融科技发展日新月异的新时代，洗钱手段亦伴随新技术、新业态的发展不断升级、更趋隐蔽及多元 化，倒逼监管与防御体系持续升级，形成"技术漏洞—监管补位—防御升级"的"动态博弈"。博弈之下， 近年来以ChatGPT、DeepSeek等为代表的AI技术的不断突破创新，为商业银行等金融机构破解当前反洗 钱之困，构筑智能风控系统，深度协同国际监管网络 ...

筑牢反洗钱防线，不是一句空口号，而是一系列真行动。从具体内容看，《办法》通过三大机制严查严 管：一是建立穿透式监管机制，要求从业机构不仅记录交易双方信息，还需追溯资金来源与用途；二是 构建"智能+人工"双重审核体系，通过大数据分析异常交易模式，辅以人工复核确保报告质量；三是形 成监管—机构—客户三方联动，要求机构在开展业务前进行客户风险等级划分。 （文章来源：经济日报） 在构建严密的监管防控网络时，也要注意兼顾市场活力，避免出现"一刀切"现象。在贵金属与珠宝交易 中，非现金支付更加常见，大额现金交易比较少见。《办法》将要求报告的交易明确为"10万元人民币 以上现金交易"，体现出加强监管的本质并非限制或者禁止正常的零售、回收等交易，而是有针对性地 对洗钱风险较高的交易行为采取预防措施。 近期，中国人民银行发布《贵金属和宝石从业机构反洗钱和反恐怖融资管理办法》（以下简称《办 法》），首次将非银行支付机构、贵金属珠宝商等非传统金融机构纳入反洗钱监管框架，要求单笔或日 累计10万元人民币以上现金交易须在5个工作日内向中国反洗钱监测分析中心提交报告。这一制度创新 标志着我国反洗钱体系向非金融领域延伸取得突破性进展，为贵 ...