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2025/5/6
风险管理与合规-Slide1
Compliance advises on compliance risk 合规对合规风险提出建议
Compliance risk is the risk of:
legal or regulatory sanctions,
material financial loss, or
harm to reputation
that a bank may suffer as a result of its failure to comply with
relevant laws, regulations, principles and rules, standards and codes
of conduct applicable to its activities, in letter and in spirit.
合规风险是指，由于未遵照适用于公司活动的相关法律、法规、原则、法则、行为规范与准则，公司可能会遭受法律或法规的制裁，物质上的财务损失，或者使声誉受损的风险。
风险管理与合规-Slide1
Provide advisory and objective support 提供咨询和客观支持
Align with the business and help provide independent view and advice on the execution of strategy and on case-specific issues 根据公司业务，提供有关战略执行和具体案例方面的独立观点和建议
Understand strategy and business and apply this understanding in its risk-based approach to ensure that proportionate measures are taken to compliance issues and risk 理解公司战略和业务，并将这一理解应用于基于风险的方法，以此确保对合规问题和合规风险已采取了适当的措施
Implement business specific laws and regulations 实施与业务相关的法律法规
Provide guidance and support on issues related to laws and regulations 对与法律法规相关的问题提供指导与支持
Monitor the execution of initiatives and ensure all activities are compliant with relevant policies and procedures 监控倡议的执行情况，确保所有活动都遵照相关政策和程序
Assist management in managing risk to the business 协助管理层管理业务风险
Assist Management in identifying, measuring and mitigating compliance related risk 协助管理层发现、测量并减少合规风险
Partner with the business in monitoring level of risks to help achieve successful implementation of strategic initiatives 和业务一起监控风险水平，帮助公司成功实施战略倡议
Compliance provides a central role in monitoring delivery and minimising risk
合规在监控公司行为和使风险最小化上扮演着重要作用
风险管理与合规-Slide1
Business is firstly responsible 业务部应负首要责任
Compliance is intended for support
合规意在为公司运营提供支持
Who is responsible for Compliance
谁该负责合规工作？
风险管理与合规-Slide1
Key Compliance Areas: 关键的合规领域：
III. Market Conduct 市场行为
I. Client Acceptance and Anti-Money Laundering Policy
客户接受度与反洗钱政策(CAAML)
II. Dealing with Customers
与客户打交道
Client Acceptance and Anti-Money Laundering
客户接受度与反洗钱
Sanctions 制裁
Conflicts of Interest 利益冲突
Chinese Walls 中国墙
Market Abuse 市场滥用
IV. Other Compliance topics 其他合规话题
Personal Account Dealing Policy 个人账户处理政策
Gift Policy/ Bribery and Corruption 送礼政策/贿赂与腐败
Whistleblowing 揭发
When you need to Notify Compliance 何时需注意合规
Confidentiality 机密性
Communication & Marketing
沟通与营销
Client Classification 客户分类
Suitability 适宜
Appropriateness 得当
Record keeping 档案保管
风险管理与合规-Slide1
I. Client Acceptance and Anti-Money Laundering (CAAML) Policy 客户接受度与反洗钱政策
KYC Know Your Customer 了解你的客户
Client Acceptance/Due Diligence 客户接受度/尽职调查
Money Laundering & Terrorist Financing 洗钱与恐怖份子筹资活动
Sanction 制裁
风险管理与合规-Slide1
Identification
Verification
Risk Assessment
Transaction Surveillance
Risk Re-assessment
Review Relationship
AML RISK 反洗钱风险
Geography 地域
Industry 行业
Product 产品
Client life Cycle
客户的生命周期
Exit?
退出？
2
3
1
Initial Risk Assessment:
Client Acceptance
And Know Your Customer
初始风险评估：客户接受度，了解你的客户
Ongoing Risk Assessment:进行中的风险评估：
Anti-Money Laundering CAAML/Sanctions反洗钱/制裁
Periodical
Risk Re-assessment
(or change in client
profile / incidental)
定期风险再评估（或客户情况/附带事件的变化）
交易监测
风险评估
核实
识别
风险再评估
关系考察
风险管理与合规-Slide1
Know Your Customer: 了解你的客户：
Customer Identification allows the bank to have confidence in the integrity of the persons with whom they transact business
客户鉴别使得银行能相信与他们进行交易的人的诚信度
Requires employees to obtain information identifying their customers 要求员工获取鉴别客户的信息
Requires employees to verify that customers are who they say they are 要求员工核实客户资料的可靠度
These responsibilities continue throughout the life of our relationship with a customer and apply to every transaction
这些职责贯穿于我们与客户打交道的整个过程，适用于每次交易
风险管理与合规-Slide1
Money Laundering & Terrorist Financing 洗钱及恐怖分子筹资活动
“Money Laundering” is the introduction of illegally gained assets into the legal financial system with the aim of concealing or disguising their true origin. “洗钱”是将非法获得的资产融入合法的金融体系中，目的在于隐瞒或者掩饰它们的真实来源。
Money Laundering generally takes place in 3 steps:
洗钱活动一般分三步进行：
Placement 放置
“the introduction of illegally gained assets into the legal financial system with the aim of concealing or disguising their true origin.” 将非法获得的资产融入合法的金融体系中，目的在于隐瞒或者掩饰它们的真实来源
Layering 移转
“the source of the illegally obtained funds is obscured through a succession of transfers and transactions to give them appearance of legitimacy” 通过连续转移和交易将非法获得的资金的来源模糊化，使它们看起来合法
Integration 整合
“In order that those same funds can eventually be made to re-appear as legitimate income.” 使这些资金最终以合法收入的身份再次出现
风险管理与合规-Slide1
Examples of other sources for Money Laundering & Terrorist Financing 洗钱及恐怖分子筹资的其他来源举例
Drugs 毒品
Prostitution 卖淫
Illegal Workers (Human trafficking) 非法劳工（贩卖人口）
Fraud 欺骗
Theft 偷窃
Smuggling goods and/or arms 走私商品/武器
Tax Fraud 税务行骗
Counterfeiting Currency 伪钞
Kidnapping 绑架
Extortion 敲诈勒索
Illegal Gambling 非法赌博
Environmental Crimes 环境犯罪
风险管理与合规-Slide1