将人工智能用于反洗钱和资产追回:新时代的黎明

IF 1.3 Q3 CRIMINOLOGY & PENOLOGY
G. Pavlidis
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引用次数: 0

摘要

本文旨在根据金融行动特别工作组(FATF)圣何塞原则、经济合作与发展组织(OECD)人工智能(AI)原则和拟议的欧盟(EU)人工智能法案,严格审查反洗钱(AML)和打击恐怖主义融资(CFT)的数字化转型。作者认为,人工智能工具可以彻底改变“反洗钱”/“反恐融资”和资产追回,但需要在优化“反洗钱”效率和维护基本权利之间取得平衡。本文借鉴了有关“反洗钱”/“反恐融资”数字化转型的报告、立法、法律奖学金和其他开源数据,特别是在此背景下人工智能的部署。有必要建立一个具有健全保障措施的新监管框架,以减轻在“反洗钱”背景下使用新技术所带来的风险。独创性/价值本研究是根据FATF圣何塞原则、经合组织人工智能原则和拟议的欧盟人工智能法案,首次研究人工智能在反洗钱/反恐融资背景下的应用。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Deploying artificial intelligence for anti-money laundering and asset recovery: the dawn of a new era
Purpose This paper aims to critically examine the digital transformation of anti-money laundering (AML) and countering the financing of terrorism (CFT) in light of the Financial Action Task Force (FATF) San Jose principles, the Organisation for Economic Co-operation and Development (OECD) principles for artificial intelligence (AI) and the proposed European Union (EU) Artificial Intelligence Act. The authors argue that AI tools can revolutionize AML/CFT and asset recovery, but there is a need to strike a balance between optimizing AML efficiency and safeguarding fundamental rights. Design/methodology/approach This paper draws on reports, legislation, legal scholarships and other open-source data on the digital transformation of AML/CFT, particularly the deployment of AI in this context. Findings A new regulatory framework with robust safeguards is necessary to mitigate the risks associated with the use of new technologies in the AML context. Originality/value This study is one of the first to examine the use of AI in the AML/CFT context in light of the FATF San Jose principles, the OECD AI principles and the proposed EU AI Act.
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来源期刊
Journal of Money Laundering Control
Journal of Money Laundering Control CRIMINOLOGY & PENOLOGY-
CiteScore
2.70
自引率
27.30%
发文量
59
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