국내은행의 효과적인 위험기반 (RBA) 자금세탁방지제도 운영에 관한 연구

The objective of this study is to examine the background of the introduction of risk-based approach (RBA) and the necessity of operating anti-money laundering system on risk-based approach. In addition, this study examines the operational status and vulnerabilities of Korean banks' anti-money laundering system, which was strengthened in the wake of Korea's mutual evaluation of FATF in 2019. Based on this, we will discuss how to operate the effective anti-money laundering system on risk-based approach (RBA) of Korean banks in the early stages of implementation. In November 2017, N Bank's New York branch was fined by the New York State Department of Financial Services for failing to implement internal control over anti-money laundering and in 2020, I Bank was fined for violating the Anti-Money Laundering Act. For this reason, Korean banks are quickly taking the lead in supplementing the system and building infrastructure. This study aims to examine the importance of risk management of Korean banks, risk assessment procedures, types of risks required to operate the anti-money laundering system on risk-based approach(RBA), and the obligations and step-by-step applications of each related institution and suggest effective operation plans. Improvement measures include first securing AML personnel and budgets, secondly, continuous investment in risk assessment by raising awareness of top management, thirdly, establishing an organizational culture that utilizes risk assessment results in business decisions of senior management, and finally supplementing AML-related systems.