Маркетингові інструменти в антилегалізаційних засадах банку

Abstract

Розглянуто використання маркетингових інструментів серед антилегалізаційних заходів банку. Запропоновано методику оцінки ризику використання банку для відмивання грошей за допомогою матриці, побудованої на прикладі матриці Мак-Кінсі, та вибір стратегії залежно від отриманих результатів. The article describes the usage of marketing tools among anti-money laundering activities of banks. The method of money laundering risk assessment is suggested using the matrix, based on the example of matrix Mc Kinsey. Two risk factors for banks are assessed – external and internal. Risk is calculated, first by identifying criteria for each factor, determining the value of each parameter in the criteria, and multiplying that value by a weighting factor. The result is the quantitative measure of external and internal risk factors that form overall money laundering risk of a bank. Risk-oriented strategies are suggested on the results of the assessment. Banks should apply the appropriate measures, procedures and controls to mitigate potential threats from clients that have been identified as high-risk. To improve risk-oriented program and financial monitoring of the bank, bank management should implement internal control and audit. Risk assessment, risk management program and financial monitoring program and compliance should be subjects to control. Particular attention should be given to high risk products and services, as well as customers.