Core Viewpoint - The article discusses the evolving risk landscape faced by businesses in the Asia-Pacific region, emphasizing the need for enhanced due diligence and compliance strategies in response to geopolitical tensions, economic uncertainty, and technological advancements [1][2]. Group 1: Risk Landscape - Businesses in the Asia-Pacific are encountering a complex risk environment characterized by geopolitical tensions, economic uncertainty, and evolving global regulations [1]. - The rise in fraud levels and the increasing complexity of threats necessitate a more rigorous approach to third-party due diligence throughout the entire lifecycle of business relationships [3]. Group 2: Regulatory Actions - Regulatory fragmentation is increasing, prompting companies to reassess their trade relationships and compliance frameworks to enhance resilience [2]. - The Monetary Authority of Singapore (MAS) has taken regulatory actions against nine financial institutions for anti-money laundering (AML) violations, highlighting the importance of compliance [2]. Group 3: Six-Step Action Plan - A six-step action plan is proposed for organizations to fulfill compliance obligations during uncertain times, which includes: 1. **Onboarding Management**: Identifying each third party and updating questionnaires to include verifiable questions [4]. 2. **Automated Screening**: Utilizing risk intelligence databases to screen third parties efficiently [5]. 3. **Risk Ranking**: Classifying third parties based on risk factors to identify high-risk relationships [6]. 4. **Enhanced Due Diligence (EDD)**: Implementing a risk-based approach to justify costs associated with due diligence [7]. 5. **Ongoing Monitoring**: Continuously monitoring third parties to identify new risks [8]. 6. **Testing, Auditing, Documenting**: Keeping thorough records to provide evidence of compliance actions [9]. Group 4: Importance of Compliance - The article emphasizes that the current global uncertainty is a structural change rather than a temporary disruption, and regulatory bodies expect businesses to take clear actions based on comprehensive frameworks and policies [9]. - Organizations with strong foundations and agile compliance strategies will be better positioned to expand their businesses and make timely decisions [9].

Qifei Zeng 第三方风险部风险情报经理 LSEG最新研究深入剖析了"了解您的客户，增强型尽职调查"（KYC EDD）领域，并探讨了AI作为应对成 本上升和复杂性加剧的潜在解决方案的可能性，但同时也提出了一个重要的前提条件。 我们的最新研究报告 [1] 深入审视了当前及未来KYC EDD的前景，并在探讨了五项重要发现研究后得出结 论： AI能够解决许多长期存在的挑战，但最小化风险的关键要素在于人工监督。 随着KYC EDD监管环境的不断变化，公司需要充分了解每位客户所带来的风险。 当存在较高的洗钱或恐怖 融资风险时，仅凭标准的客户尽职调查是远远不够的。 而这时，EDD的作用就显得尤为重要，它为我们提 供了详尽深入的洞察，为制定合理有效的客户准入和交易决策提供了有力支撑。KYC EDD流程必须既高效 又有效，确保客户能够享受到无缝、顺畅的体验。 " 全球反洗钱法规要求公司采取基于风险的方法，全面评估每一位客户可能带来洗钱和恐怖融 资的风险。 " —— LSEG白皮书 《KYC EDD：AI是应对成本上升的万能钥匙吗？》 现实洞察：我们的发现是什么？ 我们的报告重点关注了五项关键发现： EDD请求量激增： ...