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[{"key": "dc.contributor.advisor", "value": "Raatikainen, Juhani", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "H\u00e4yrinen, Jyri", "language": "", "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2020-06-08T09:38:46Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2020-06-08T09:38:46Z", "language": null, "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2020", "language": "", "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/69763", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Trade-Based Money Laundering (TBML) yhten\u00e4 merkitt\u00e4vimp\u00e4n\u00e4 rahanpesu mekanismina on her\u00e4tt\u00e4nyt viime vuosien aikana monien p\u00e4\u00e4tt\u00e4jien, viranomaisten sek\u00e4 pankkisektorin kiinnostuksen miten rikolliset pyrkiv\u00e4t laittomasti hy\u00f6dynt\u00e4m\u00e4\u00e4n kansainv\u00e4list\u00e4 kauppaverkostoa omien etujensa tavoitteluun. Huomioiden miten rahanpesun pohjimmaisena tarkoituksena on laittomien varojen alkuper\u00e4n h\u00e4ivytt\u00e4minen ja niiden saaminen takaisin normaaliin talouden kiertoon, kansainv\u00e4lisen kaupan laaja transaktioiden verkosto tarjoaa houkuttelevan peitteen rikollisten toiminnalle. Pankeilla on merkitt\u00e4vin\u00e4 tilisiirtojen ja kauppa transaktioiden toteuttajina laaja p\u00e4\u00e4sy asiakastietoihin sek\u00e4 kauppatietoihin, jonka vuoksi pankkien mahdollisuudet tunnistaa asiakkaiden ep\u00e4ilytt\u00e4v\u00e4t liiketoimet ovat lis\u00e4nneet pankkien roolia TBML:n est\u00e4misess\u00e4. Tiukentuvan rahanpesu regulaation aikakaudella pankkien velvollisuudet TBML:n sek\u00e4 muiden rahanpesu mekanismien est\u00e4j\u00e4n\u00e4 odotetaan korostuvan. T\u00e4m\u00e4n tutkimuksen tarkoituksena oli jakaa pankki sektorin sis\u00e4ll\u00e4 tietoa, miten pankit voivat vastata TBML:n kasvavaan uhkaan.\n\nViimeisten vuosien aikana julkisuuteen on levinnyt useita rahanpesuun liittyvi\u00e4 uutisia, joissa kansainv\u00e4lisesti operoivat pankit ovat ep\u00e4onnistuneet laittomien rahasiirtojen est\u00e4misess\u00e4 ja n\u00e4in ollen laiminly\u00f6neet rahanpesus\u00e4\u00e4nn\u00f6sten noudattamista. Rahanpesij\u00e4n luonteeseen sis\u00e4ltyy olennaisena osana muokkautuminen olemassa olevaan regulaatioon sek\u00e4 olosuhteisiin, jonka vuoksi pankkien teht\u00e4v\u00e4n\u00e4 on jatkuvasti p\u00e4ivitt\u00e4\u00e4 tiet\u00e4myst\u00e4 uusien rahanpesu mekanismien osalta ja arvioida parhaita k\u00e4yt\u00e4nteit\u00e4 rahanpesun est\u00e4miseen. Tutkimuksen tavoitteena on lis\u00e4t\u00e4 kaikkien pankkien ymm\u00e4rryst\u00e4 t\u00e4h\u00e4n yhteiseen ongelmaan ja siihen, miten TBML riskej\u00e4 saadaan kontrolloitua. Tutkimuksen toteutustapana oli ker\u00e4t\u00e4 eri rahanpesun est\u00e4miseen liittyvist\u00e4 l\u00e4hteist\u00e4 TBML riski indikaattoreita, jonka j\u00e4lkeen pankkeja pyydettiin tutkimuskyselyss\u00e4 kuvaamaan t\u00e4m\u00e4n hetken parhaita k\u00e4yt\u00e4nteit\u00e4, miten pankit kontrolloivat kyseisi\u00e4 riski indikaattoreita. \n\nTutkimuksen aikana korostui miten keskeinen rooli Asiakkaan Tuntemisella (KYC) on potentiaalisten ep\u00e4ilytt\u00e4vien liiketoimien tunnistamisessa, ja kuinka riskiperusteisesta l\u00e4hestymistavasta on muodostunut t\u00e4rkein ohjes\u00e4\u00e4nt\u00f6 rahanpesun est\u00e4misen kontrollien laatimisessa. Pankkien vastaustenkin perusteella monet TBML kontrollit keskittyv\u00e4t digitaalisten ratkaisujen kehitt\u00e4miseen pankkij\u00e4rjestelm\u00e4n sis\u00e4ll\u00e4, joiden avulla suuresta tilisiirtojen ja kaupan rahoituksen datan m\u00e4\u00e4r\u00e4st\u00e4 on mahdollista tunnistaa potentiaaliset ep\u00e4ilytt\u00e4v\u00e4t tapahtumat. Digitaalisten ratkaisujen kehitt\u00e4misen lis\u00e4ksi tutkimus osoitti, miten t\u00e4rke\u00e4\u00e4 on jakaa tietoja TBML mekanismeista kaikkien liiketoiminta yksik\u00f6iden v\u00e4lill\u00e4 korostaen roolia asiakasvastuullisten ja transaktioiden monitoroinnista vastaavien yksik\u00f6iden kohdalla. Jatkuvasti kehittyv\u00e4n rahanpesun est\u00e4misen regulaation odotetaan siirt\u00e4v\u00e4n rikollisia entist\u00e4 sofistikoituneempiin rahanpesu operaatioihin, jonka vuoksi pankeilla on kasvava tarve ker\u00e4t\u00e4 tietoa TBML mekanismeista ja etenkin siit\u00e4, miten niit\u00e4 voidaan kontrolloida.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Trade-Based Money Laundering (TBML), as one of the main money laundering methods, has gained increasing amount of attention amongst policy makers, other authorities and also private sector on how criminals are attempting to abuse international trade system. As the purpose of money laundering is to conceal the true origins of illicit gains and to make these gains to appear legitimate, the international trade system provides an attractive cover for criminals to hide their illicit gains within the sea of trade transactions occurring each day. Due to the role of banking as main facilitator of international payments and trade transactions, banks have wide access to customer and transaction data, which has shifted the responsibility of detecting potential illicit customer behaviour for the banks. As this role shift is expected to further increase responsibilities of banks to conduct stricter anti-money laundering (AML) controls in the future, the research was designed to share relevant information on how to combat against the evolving threat of TBML within banking industry. \n\nIn the recent years there have been growing amount of public cases, where internationally operating banks have failed to prevent illicit money flows and as such as they have not been able to comply with AML regulation. As the behaviour of money launderer constantly changes according to the underlying regulation and circumstances, banks are obliged to identify emerging money laundering trends and to develop matching controls for their prevention. The intention of this research was to improve understanding within banks on how TBML can be mitigated in a way that all relevant banks could share the same amount of information related to this emerging threat. This research was meant to fill the informational gap by identifying potential TBML red flag indicators, also defined as risk indicators, of how banks can detect TBML methods, and most importantly the research explores what are the best practices of controlling these risks. The research was conducted by collecting red flag indicators from available AML resources and by requesting financial institutions to response to the research questionnaire with their current best-known practices in controlling against TBML risks. \n\nThe research emphasized how evident Know-Your-Customer (KYC) processes are for banks to detect any abnormal customer behaviour, and how the risk-based approach has become a guiding principle for implementing AML controls. As the international trade system and transmittance of payments is highly data-driven many of the controls for fighting against TBML are relied on developing digital solutions within bank systems. Nonetheless, the research further brought out the importance of sharing knowledge of TBML typologies to all relevant staff from client-facing units to transaction monitoring teams. As the progress in AML regulation is expected to transfer criminals to more sophisticated money laundering operations, there exists increased incentives for banks to gain knowledge on TBML methods and how they can be controlled.", "language": "en", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Paivi Vuorio (paelvuor@jyu.fi) on 2020-06-08T09:38:46Z\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2020-06-08T09:38:46Z (GMT). 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