{"id":2951,"date":"2020-07-30T20:59:05","date_gmt":"2020-07-30T20:59:05","guid":{"rendered":"https:\/\/revista.isfin.ro\/?p=2951"},"modified":"2020-07-30T21:01:57","modified_gmt":"2020-07-30T21:01:57","slug":"bune-practici-in-evaluarea-pe-baza-de-risc-a-programului-de-prevenire-a-spalarii-banilor-intr-o-institutie-bancara-ioana-ana-maria-codescu","status":"publish","type":"post","link":"https:\/\/revista.isfin.ro\/en\/2020\/07\/30\/bune-practici-in-evaluarea-pe-baza-de-risc-a-programului-de-prevenire-a-spalarii-banilor-intr-o-institutie-bancara-ioana-ana-maria-codescu\/","title":{"rendered":"Best practices for the risk based approach assessment of the anti-money laundering program within a financial institution - Ioana Ana-Maria Codescu"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"2951\" class=\"elementor elementor-2951\" data-elementor-settings=\"[]\">\n\t\t\t\t\t\t<div class=\"elementor-inner\">\n\t\t\t\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-37e33b23 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"37e33b23\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3a670e59\" data-id=\"3a670e59\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2d4991f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2d4991f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-39b793c7\" data-id=\"39b793c7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-664b87d4 elementor-widget elementor-widget-text-editor\" data-id=\"664b87d4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>\u00a0Author: Codescu Ioana Ana-Maria<br \/>Vol. 3 \u2022 No. 5 \u2022 November 2018<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2f3649dc\" data-id=\"2f3649dc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-188c8ccc elementor-position-right elementor-view-default elementor-vertical-align-top elementor-widget elementor-widget-icon-box\" data-id=\"188c8ccc\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a class=\"elementor-icon elementor-animation-\" href=\"https:\/\/revista.isfin.ro\/wp-content\/uploads\/2020\/08\/Ana-Codescu_EN_ABS-nr5.pdf\" target=\"_blank\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-down\"><\/i>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h6 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<a href=\"https:\/\/revista.isfin.ro\/wp-content\/uploads\/2020\/08\/Ana-Codescu_EN_ABS-nr5.pdf\" target=\"_blank\" >\n\t\t\t\t\t\tView Abstract PDF\t\t\t\t\t<\/a>\n\t\t\t\t<\/h6>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd0fd34 elementor-position-right elementor-view-default elementor-vertical-align-top elementor-widget elementor-widget-icon-box\" data-id=\"cd0fd34\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a class=\"elementor-icon elementor-animation-\" href=\"https:\/\/revista.isfin.ro\/wp-content\/uploads\/2020\/08\/Ana-Codescu_EN-art-nr5.pdf\" target=\"_blank\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-down\"><\/i>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h6 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<a href=\"https:\/\/revista.isfin.ro\/wp-content\/uploads\/2020\/08\/Ana-Codescu_EN-art-nr5.pdf\" target=\"_blank\" >\n\t\t\t\t\t\tView Article PDF\t\t\t\t\t<\/a>\n\t\t\t\t<\/h6>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c95ac07 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4c95ac07\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2be05d8c elementor-widget elementor-widget-text-editor\" data-id=\"2be05d8c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><strong>Abstract<\/strong><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-329480d8 elementor-widget elementor-widget-text-editor\" data-id=\"329480d8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>The Anti-Money Laundering (\u201eAML\u201d) internal controls of financial institutions are no longer implemented to satisfy the supervision authorities, but precisely to prevent risks from materializing, risks which are much higher than just a fine, such as legal, reputational or substantial financial risks. Thus, we are welcoming institutional changes on the mentality and organizational culture, with the purpose of preventing the use of the financial institutions as means for money laundering, terrorist financing or other fraud schemes.<\/p><p>This paper will firstly approach the \u201eneed\u201d evolution with respect to AML measures, continuing by detailing the trends for assessing these measures. Basically, we would like to highlight that the Compliance function, especially from the AML point of view, should represent a business actual support and not an encumbrance. In this way, compliance and business should go in the same direction, which is business development in a safe and legal environment.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3313284 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3313284\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-569fb348 elementor-widget elementor-widget-text-editor\" data-id=\"569fb348\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><strong>Keywords<\/strong>: anti-money laundering, counter terrorist financing, risk assessment, risk exposure, compliance, financial institutions, best practices.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-256865a4 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"256865a4\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7096d8be elementor-widget elementor-widget-text-editor\" data-id=\"7096d8be\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><strong>JEL classification<\/strong>: B41, C80, G21, G32<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52314db1 elementor-widget elementor-widget-eael-creative-button\" data-id=\"52314db1\" data-element_type=\"widget\" data-widget_type=\"eael-creative-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t        <div class=\"eael-creative-button-wrapper\">\n\n            <a class=\"eael-creative-button eael-creative-button--default\" href=\"https:\/\/revista.isfin.ro\/en\/arhiva\/\" data-text=\"\">\n\n                <div class=\"creative-button-inner\">\n\n                    \n                    <span class=\"cretive-button-text\"> BACK <\/span>\n\n                                    <\/div>\n            <\/a>\n        <\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>\u00a0Autor: Codescu Ioana Ana-MariaVol. 3 \u2022 Nr. 5 \u2022 Noiembrie 2018 Vizualizare Abstract PDF Vizualizare Articol PDF Abstract Controalele interne ale institu\u021biilor financiare privind prevenirea \u0219i combaterea sp\u0103l\u0103rii banilor (\u00een continuare abreviat ca \u201eAML\u201d, provenind din englez\u0103 de la \u201eAnti-Money Laundering\u201d) nu mai sunt implementate doar pentru a \u201emul\u021bumi\u201d autorit\u0103\u021bile de supraveghere, ci efectiv pentru &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/revista.isfin.ro\/en\/2020\/07\/30\/bune-practici-in-evaluarea-pe-baza-de-risc-a-programului-de-prevenire-a-spalarii-banilor-intr-o-institutie-bancara-ioana-ana-maria-codescu\/\"> <span class=\"screen-reader-text\">Best practices for the risk based approach assessment of the anti-money laundering program within a financial institution - Ioana Ana-Maria Codescu<\/span> Read More &raquo;<\/a><\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[167],"tags":[],"yoast_head":"<title>Bune practici \u00een evaluarea pe baz\u0103 de risc a programului de prevenire a sp\u0103l\u0103rii banilor \u00eentr-o institu\u021bie bancar\u0103 - Ioana Ana-Maria Codescu - Revista de Studii Financiare<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/revista.isfin.ro\/en\/2020\/07\/30\/bune-practici-in-evaluarea-pe-baza-de-risc-a-programului-de-prevenire-a-spalarii-banilor-intr-o-institutie-bancara-ioana-ana-maria-codescu\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bune practici \u00een evaluarea pe baz\u0103 de risc a programului de prevenire a sp\u0103l\u0103rii banilor \u00eentr-o institu\u021bie bancar\u0103 - 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