AML_Reports & Papers
[Paper] 「A Study on the Application of AI to Anti-Money Laundering : Focus on Anti-Money Laundering Systems」 「AI를 활용한 자금세탁방지 제도에 관한 연구 : 자금세탁방지 시스템을 중심으로 」 옥종경 2025.8
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「A Study on the Application of AI to Anti-Money Laundering : Focus on Anti-Money Laundering Systems」
Chapter 1 Introduction 01
Section 1 Purpose of the Study 01
Section 2 Subjects and Scope of the Study 02
Chapter 2 AI Technology and Anti-Money Laundering 04
Section 1 AI Technology 04
1. Overview 04
2. Current Status of Implementation 05
A. Overseas 05
B. Domestic 10
3. Utilization of AI 13
A. Customer Service 13
B. Regulatory Response and Risk Management Services 15
Section 2 Anti-Money Laundering Systems and Systems 17
1. Anti-Money Laundering Systems 17
A. Overview 17
B. Key Laws and Related Regulations 19
2. Anti-Money Laundering Systems 21
A. Overview 21
B. Key Functions 23
Chapter 3 Limitations of AI Utilization in Anti-Money Laundering Systems 28
Section 1 Limitations of Systems and Systems 28
1. Limitations of the Current System 28
A. Specific Financial Information Act 28
B. Personal Information Protection Act 30
C. Electronic Financial Transactions Act 33
2. Limitations of System Functions 36
a. Customer Due Diligence System 36
b. Customer Risk Assessment 37
c. Suspicious Transaction Reporting 39
d. Enterprise-Wide Risk Assessment 40
e. Other Management Functions 42
Section 2. Side Effects of AI Implementation 44
1. Job Loss Due to Automation 44
2. Securing Trust and Accountability 46
Chapter 4. AI Utilization in Anti-Money Laundering Systems 49
Section 1. System and Regulatory Improvements 49
1. Legislative Reform for AI Implementation 49
a. Specific Financial Information Act 49
b. Personal Information Protection Act 51
c. Electronic Financial Transactions Act 52
2. AI Utilization by System Function 54
a. Customer Due Diligence System 54
b. Customer Risk Assessment 56
c. Suspicious Transaction Reporting 59
d. Enterprise-Wide Risk Assessment 62
e. Other Management Functions 64
Section 2: Resolving the Side Effects of AI Implementation 67
1. Measures to Minimize Employment Impacts 67
2. Measures to Ensure Trust and Assign Accountability 68
Chapter 5: Conclusion 71
References 74
ABSTRACT 77
「AI를 활용한 자금세탁방지 제도에 관한 연구 : 자금세탁방지 시스템을 중심으로 」