风险管理与合规VIP免费

RiskManagementandRegulatoryCompliance风险管理与合规AsiaPacificFinanceandDevelopmentCenter亚太财经与发展中心WorldBankInstitute世界银行学院AlexVanderpolJune19,2008Complianceadvisesoncompliancerisk合规对合规风险提出建议Complianceriskistheriskof:-legalorregulatorysanctions,-materialfinancialloss,or-harmtoreputationthatabankmaysufferasaresultofitsfailuretocomplywithrelevantlaws,regulations,principlesandrules,standardsandcodesofconductapplicabletoitsactivities,inletterandinspirit.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。Provideadvisoryandobjectivesupport提供咨询和客观支持•Alignwiththebusinessandhelpprovideindependentviewandadviceontheexecutionofstrategyandoncase-specificissues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•Understandstrategyandbusinessandapplythisunderstandinginitsrisk-basedapproachtoensurethatproportionatemeasuresaretakentocomplianceissuesandrisk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Implementbusinessspecificlawsandregulations实施与业务相关的法律法规•Provideguidanceandsupportonissuesrelatedtolawsandregulations对与法律法规相关的问题提供指导与支持•Monitortheexecutionofinitiativesandensureallactivitiesarecompliantwithrelevantpoliciesandprocedures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Assistmanagementinmanagingrisktothebusiness协助管理层管理业务风险•AssistManagementinidentifying,measuringandmitigatingcompliancerelatedrisk协助管理层发现、测量并减少合规风险•Partnerwiththebusinessinmonitoringlevelofriskstohelpachievesuccessfulimplementationofstrategicinitiatives和业务一起监控风险水平，帮助公司成功实施战略倡议Complianceprovidesacentralroleinmonitoringdeliveryandminimisingrisk合规在监控公司行为和使风险最小化上扮演着重要作用•Businessisfirstlyresponsible业务部应负首要责任•Complianceisintendedforsupport合规意在为公司运营提供支持WhoisresponsibleforCompliance谁该负责合规工作？KeyComplianceAreas:关键的合规领域：III.MarketConduct市场行为I.ClientAcceptanceandAnti-MoneyLaunderingPolicy客户接受度与反洗钱政策(CAAML)II.DealingwithCustomers与客户打交道ClientAcceptanceandAnti-MoneyLaundering客户接受度与反洗钱Sanctions制裁ConflictsofInterest利益冲突ChineseWalls中国墙MarketAbuse市场滥用IV.OtherCompliancetopics其他合规话题PersonalAccountDealingPolicy个人账户处理政策GiftPolicy/BriberyandCorruption送礼政策/贿赂与腐败Whistleblowing揭发WhenyouneedtoNotifyCompliance何时需注意合规Confidentiality机密性Communication&Marketing沟通与营销ClientClassification客户分类Suitability适宜Appropriateness得当Recordkeeping档案保管I.ClientAcceptanceandAnti-MoneyLaundering(CAAML)Policy客户接受度与反洗钱政策•KYCKnowYourCustomer了解你的客户•ClientAcceptance/DueDiligence客户接受度/尽职调查•MoneyLaundering&TerroristFinancing洗钱与恐怖份子筹资活动•Sanction制裁AMLRISK反洗钱风险•Geography地域•Industry行业•Product产品ClientlifeCycle客户的生命周期Exit?退出？231InitialRiskAssessment:ClientAcceptanceAndKnowYourCustomer初始风险评估：客户接受度，了解你的客户OngoingRiskAssessment:进行中的风险评估：Anti-MoneyLaunderingCAAML/Sanctions反洗钱/制裁PeriodicalRiskRe-assessment(orchangeinclientprofile/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...