SupTech améliore la supervision AML/CFT

SupTech can make anti-money laundering and countering the financing of terrorism supervision more effective, the EBA finds

Introduction

The European Banking Authority (EBA) has recently published a report highlighting the potential of SupTech tools in enhancing anti-money laundering and countering the financing of terrorism (AML/CFT) supervision. This report is a significant step in the EU's ongoing efforts to combat financial crime through technological innovation.

Overview of SupTech in AML/CFT

SupTech, or supervisory technology, refers to the use of innovative technology by regulatory bodies to improve their supervisory capabilities. In the context of AML/CFT, SupTech tools are being deployed to enhance data quality, improve risk identification, and foster collaboration among national competent authorities (NCAs). According to the EBA report, nearly half of the SupTech tools identified are already in production, with others in various stages of development.

Challenges and Opportunities

While the deployment of SupTech tools offers numerous benefits, several challenges remain. These include limited resources, legal uncertainties, and data governance constraints. However, the EBA is committed to supporting NCAs and the newly established Anti-Money Laundering and Countering the Financing of Terrorism Authority (AMLA) in overcoming these challenges and maximizing the potential of SupTech.

Legal Framework

The EBA's efforts are supported by its legal mandate under Article 29 and Article 31 of the EBA Founding Regulation, which emphasize the promotion of supervisory convergence and the facilitation of technological innovation in the EU.

Conclusion

The EBA's report underscores the transformative potential of SupTech in AML/CFT supervision. By leveraging technology, the EU aims to create a more effective and efficient supervisory framework that can better address the challenges of financial crime.

Quelques pistes pour l'intégration opérationnelle dans votre dispositif :

- Évaluer les outils SupTech disponibles et leur pertinence pour votre organisation.

- Former le personnel aux nouvelles technologies et aux pratiques de gestion des données.

- Collaborer avec d'autres autorités pour partager les meilleures pratiques et les leçons apprises.

- Mettre en place des mécanismes de gouvernance des données robustes pour assurer la conformité et la sécurité.

- Surveiller les évolutions réglementaires pour adapter votre stratégie SupTech en conséquence.