洗錢防制法於金融機構的體系之應用—以花旗集團為例

Abstract

洗錢是一種全球性威脅，它破壞了金融體系的完整性和穩定性。 監管機構對金融機構施加了嚴格的反洗錢 (AML) 要求，以打擊這種威脅。 本文通過對全球最大金融機構之一花旗集團反洗錢要求的實施情況進行考察，探討花旗集團在反洗錢合規管理方面的現行做法。 通過混合方法，本文結合了公共資源的定性數據分析，並為全球反洗錢標準和台灣反洗錢法規的現有文獻做出了貢獻。 其次，研究花旗集團在反洗錢合規方面的反洗錢實踐。 由於花旗集團是世界上最大的金融機構之一，花旗集團也被列為全球系統重要性銀行，表明其對全球金融體系的重要性和影響。 通過提供對最佳實踐、合規策略和監管影響的見解，關於在花旗集團實施反洗錢要求的論文可能對其他金融機構有價值。 這項研究可以幫助其他金融機構加強他們的反洗錢合規計劃，減輕洗錢風險，並有效地遵守監管要求。

Money laundering is a global threat that undermines the integrity and stability of the financial system. Regulatory authorities have imposed stringent Anti-Money Laundering (AML) requirements on financial institutions to combat this menace. This thesis examines the implementation of AML requirements in Citigroup Inc., one of the largest financial institutions globally, to explore Citigroup’s current practices in AML compliance management. Through a mixed-methods approach, the thesis has combined qualitative data analysis via public sources and contributed to the existing literature on global AML standards and Taiwan AML regulations. Second, research on Citigroup's AML practices in AML compliance. Since Citigroup is one of the largest financial institutions in the world, also Citigroup is classified as a Global Systemically Important Bank, indicating its significance and impact on the global financial system. The thesis on implementing AML requirements in Citigroup can be valuable to other financial institutions by providing insights into best practices, compliance strategies, and regulatory implications. This research can help other financial institutions strengthen their AML compliance programs, mitigate money laundering risks, and effectively comply with regulatory requirements.