The sword is sheathed to build a solid anti-money laundering ecological barrier

Red Net Moment February 11 news (correspondent Jiang Jiayuan Chen Qiu bureau) Recently, a man came to the business hall of the Ningxiang branch of Changsha Bank claiming to need to open a card, and the reception staff asked about the relevant use of his card opening, but the man evaded his words and did not respond positively, but repeatedly stressed the need to open a card. The staff of Changsha Bank further explained to him the procedures related to card opening and the risks of lending the account, but the man did not listen to it. These doubts caused a high degree of professional sensitivity of the staff, and after careful analysis, the staff found that the customer opened an account with obvious intentions for others, accompanied the opening of the account and refused to communicate effectively throughout the process, and was illegally used by others after opening the card. In order to protect the safety of the customer's account, the staff of Changsha Bank politely rejected the customer's application to open an account.

"When it comes to money laundering, it is often reminiscent of some major economic cases, but in daily life, ordinary people are also prone to step into the money laundering trap. For example, if the account opened is used by criminals, it will accidentally become a money laundering channel for others. Li Min, president of the Ningxiang branch of the People's Bank of China, said that as the New Year is approaching, criminals are also eager to move. In order to be the "financial guardian" of the general public, the Ningxiang Branch of the People's Bank of China has always required financial institutions under its jurisdiction to strictly implement anti-money laundering policies and regulations, conscientiously implement the internal control management requirements for account opening, pay close attention to the abnormal situation of customers in business handling, and ensure good account access.

Since the launch of the anti-money laundering "sword" special action, the Ningxiang branch of the People's Bank of China has dared to show its sword, actively exerted the advantages of anti-money laundering functions, and become an important financial force in the jurisdiction to effectively prevent money laundering risks.

Refine internal controls to weave a public safety net

The Ningxiang Branch of the People's Bank of China guides the obligated institutions within its jurisdiction to strengthen the construction of anti-money laundering defense lines, effectively builds an integrated work pattern of advance warning, in-process monitoring, and post-event tracking, timely discovers, identifies, and intercepts abnormal customers and abnormal transactions, and gives full play to the role of obligated institutions as the "first line of defense" for preventing and resolving money laundering risks. Focus on the development and change of upstream crime threats, timely explore money laundering risks, promote the innovation of ideas and means of prevention and governance, and supervise each obligated institution to combine the clues in the system to explore and reveal risk problems, and timely follow up risk control measures. In 2021, a total of 4536 customers were re-identified by legal entities under its jurisdiction, of which 13 were adjusted to a higher risk level and 1 to a high risk level; 17 customers refused to open an account for transactions or terminate business relationships due to money laundering risk factors.

Optimize the means to highlight the deterrent power of supervision

The Ningxiang Branch of the People's Bank of China takes the anti-money laundering classification rating as an opportunity to integrate the loopholes of various obligatory institutions in anti-money laundering talent allocation, system settings, suspicious research and judgment, data processing, self-examination and self-correction, etc., supervises the obligated institutions to consolidate the anti-money laundering responsibilities of business departments and front-line personnel, improves the anti-money laundering risk prevention and control mechanism, focuses on daily anti-money laundering training and publicity, and takes "independence + joint", "autonomy + participation", "tradition + innovation" and "output + input" as the statistical items. Accurately grasp the results of the popularization of anti-money laundering ideas and the efficiency of actions in the jurisdiction. In mid-January 2022, Yang Xinbing, the leader in charge of the Ningxiang Branch of the People's Bank of China, led a team to carry out on-site verification of 8 exempted institutions in the previous year, conducted on-site supervision and supervision interviews with 2 backward institutions, helped the institutions to discover and rectify 18 problems, enhanced regulatory deterrence and guidance, and laid a good start for the anti-money laundering work in the new year.

Strengthen collaboration and build a risk prevention and control wall

The success rate of money laundering is the core indicator to measure the quality of anti-money laundering efforts. The Ningxiang Sub-branch of the People's Bank of China guides the obligated institutions to combine the latest crime-related type identification points, suspicious transaction reporting guidelines, money laundering risk tips, etc., to accurately grasp the suspicious transactions and behavior characteristics of various types of upstream crimes, focus on high-risk industries, high-risk groups, and key areas, take funds, personnel and interest chains as the coordinate dimensions, and combine customer identity, account, transaction, behavior and other aspects to implement correlation expansion, understand and analyze the transaction status of the suspicious subject's related persons, beneficial owners, public and private accounts, and improve the quality of financial intelligence. In view of the characteristics of money laundering crimes involving a wide range of departments and a long work chain, the Ningxiang Branch of the People's Bank of China has built a multi-departmental cooperation mechanism, strengthened cooperation and exchanges with local public procuratorial and legal departments, and built a strong "sword" network pattern through forums and discussions, intelligence docking, clue research and judgment, etc., forming an efficient work model of prevention, early detection, rapid filing, and heavy crackdown, and improving the success rate of money laundering clues. Since the "Sword" operation, a total of 4,722 customers and 12,566 accounts have been organized by legal entities under its jurisdiction, 15 general suspicious clues have been reported, 3 key suspicious clues have been reported, and 42 cases have been investigated. In January 2022, a key suspicious transaction clue reported by the banking institution in the jurisdiction, and the suspect was finally filed for the crime of helping letters.

In the next stage, the Ningxiang Branch of the People's Bank of China will continue to carefully polish the sword of anti-money laundering supervision, firmly cast a financial ecological barrier, and contribute to the healthy development of the economy of Ningxiang City.