КОНЦЕПТУАЛЬНЫЕ ПОДХОДЫ РАЗВИТИЯ НАЦИОНАЛЬНОЙ СИСТЕМЫ ФИНАНСОВОГО МОНИТОРИНГА В БАНКОВСКОМ СЕКТОРЕ

Abstract

This study considers the approaches of financial monitoring in the banking system for AML/ CFT purposes in relation to an individual, defines its role and place in the national anti-money laundering system. The paper presents the legislation that regulates the activities of organizations that carry out AML/CFT activities and describes the objectives of internal control. In addition, the role of the Central Bank of the Russian Federation in the sphere of regulation of the banking system is considered, and its control and supervisory powers are studied. This study summarizes the main financial transactions that are subject to mandatory control by banks, as well as the implementation mechanisms aimed at preventing the commission of dubious financial transactions. As a practical example of effective fight against money laundering, the statistics of the volume of cross-border transfers and the dynamics of revocation of licenses from commercial organizations are considered, and conclusions are also formulated.