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[Paper] 「A Study on the Improvement of the Implementation of Anti-Money Laundering in Payment Gateway(PG) Business」 「전자지급결제대행업(PG)의 자금세탁방지제도 이행 제고를 위한 연구」 2024.8 정태호

Reports & Papers
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「A Study on the Improvement of the Implementation of Anti-Money Laundering in Payment Gateway(PG) Business」 

[Table of Contents]

Chapter 1 Introduction 1

Section 1 Background and Purpose of the Study 1

Section 2 Scope and Methodology of the Study 4

  1. Scope of the Study 4
  2. Research Methodology 4

Chapter 2 AML Regulations and Status of Electronic Financial Business Operators 6

Section 1 Electronic Financial Business Operators 6

  1. Definition 6
  2. Types 8

A. Electronic Payment Gateway (PG) Service Providers 8

B. Prepaid Electronic Payment Instruments Issuers 12

C. Debit Electronic Payment Instruments Issuers 15

Section 2 Anti-Money Laundering Regulations 16

  1. Domestic Regulations 16
  2. International Regulations 18

A. Financial Action Task Force (FATF) 18

B. United States 19

C. Japan 22

D. China 22

Section 3 Status of AML System Implementation 24

  1. RBA (Risk-Based Approach) Risk Assessment 25
  2. Independent Audit Function 26
  3. New Product Risk Assessment 27
  4. Customer Due Diligence 27
  5. Suspicious Transactions 29

Section 4 Key AML Vulnerabilities 30

  1. Abuse of Virtual Accounts 31
  2. Fictitious Purchase Activities 32
  3. Illegal Virtual Asset Exchange 32

Chapter 3 Limitations in Implementing AML Systems for PG Service Providers 34

Section 1 Institutional Limitations 34

  1. Internal Control System 34
  2. Customer Due Diligence Targets 37
  3. Suspicious Transaction Reporting 42

Section 2 Operational Limitations 43

  1. Customer Due Diligence for One-Time Financial Transactions 43
  2. Dedicated AML Staff and Training Programs at PG Companies 44

Section 3 Other Issues 45

  1. Budget 45
  2. Joint Policies 47

Chapter 4 Measures to Enhance the Implementation of AML Systems for PG Service Providers 49

Section 1 Institutional Improvements 49

  1. Introduction of Internal Control Certification System 49
  2. Sharing Guidelines for Customer Due Diligence Targets 50
  3. Enhancing the Quality of Suspicious Transaction Reporting (STR) 52

Section 2 Operational Improvements 53

  1. Simplification of Customer Due Diligence 53
  2. Development of AML Specialists in PG Companies 54

Section 3 Other Measures 55

  1. Government Policy Support 55
  2. Knowledge Sharing from Large Enterprises 55

Chapter 5 Conclusion 57

References 59

ABSTRACT 63


「전자지급결제대행업(PG)의 자금세탁방지제도 이행 제고를 위한 연구」

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[Paper] 「A Study on Improving the Suitability of Sanctions for Violations of Anti-Money Laundering Obligations」 「자금세탁방지(AML)의무위반에 대한 제재의 목적 적합성 제고방안에 관한 연구」 2024.8 최운겸 [Paper] 「A Study on Ways to Improve the Implementation of Anti-Money Laundering Obligations by Virtual Asset Service Provider」 「가상자산사업자의 자금세탁방지 의무 이행 제고 방안에 관한 연구」 2024.8 이동도
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