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Compliance e enfrentamento da lavagem de dinheiro e da corrupção : análise comparativa das legislações e estratégias de combate nos Estados Unidos e no Brasil e o papel do compliance bancário na mitigação de riscos
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A presente dissertação tem como objetivo principal examinar o conceito de compliance bancário, com uma introdução ao seu papel nas instituições financeiras. O trabalho dedica-se à análise dos crimes de lavagem de dinheiro e corrupção, bem como à investigação das legislações e dos mecanismos adotados para seu enfrentamento nos Estados Unidos e no Brasil, realizando uma comparação entre os dois países quanto à eficácia e abrangência de suas respectivas abordagens normativas e institucionais. O estudo contempla ainda a análise de casos emblemáticos no setor bancário, como o escândalo de lavagem de dinheiro envolvendo o banco Credit Suisse e o caso de corrupção associado ao banco Goldman Sachs, evidenciando como determinadas instituições financeiras podem participar ou colaborar em esquemas ilícitos. Adicionalmente, são exploradas as estratégias adotadas pelos bancos para prevenir sua utilização indevida por criminosos, com ênfase nos procedimentos de monitoramento e controle preventivo. Serão também discutidas as categorias de clientes que requerem medidas reforçadas de diligência, em razão do risco que representam. Por fim, a dissertação apresenta uma reflexão sobre as perspectivas futuras dos departamentos de compliance no setor bancário, considerando a incorporação da inteligência artificial como ferramenta de apoio e transformação dessa função, sem ignorar os riscos que acompanham o avanço tecnológico.
This dissertation aims primarily to examine the concept of banking compliance, introducing its role within financial institutions. The study is dedicated to the analysis of money laundering and corruption crimes, as well as the investigation of the legal frameworks and mechanisms employed to combat these offenses in the United States and Brazil. A comparative assessment is conducted between the two countries regarding the effectiveness and scope of their respective regulatory and institutional approaches. The research also encompasses the analysis of emblematic cases within the banking sector, such as the money laundering scandal involving Credit Suisse and the corruption case linked to Goldman Sachs, highlighting how certain financial institutions may engage in or facilitate illicit schemes. Furthermore, the strategies adopted by banks to prevent their misuse by criminals are explored, with particular emphasis on preventive monitoring and control procedures. The study also discusses client categories that demand enhanced due diligence measures due to their higher risk profiles. Finally, the dissertation presents a forward-looking perspective on the future of compliance departments within the banking sector, considering the integration of artificial intelligence as a tool for both support and transformation of this function, while also acknowledging the risks associated with technological advancement.
This dissertation aims primarily to examine the concept of banking compliance, introducing its role within financial institutions. The study is dedicated to the analysis of money laundering and corruption crimes, as well as the investigation of the legal frameworks and mechanisms employed to combat these offenses in the United States and Brazil. A comparative assessment is conducted between the two countries regarding the effectiveness and scope of their respective regulatory and institutional approaches. The research also encompasses the analysis of emblematic cases within the banking sector, such as the money laundering scandal involving Credit Suisse and the corruption case linked to Goldman Sachs, highlighting how certain financial institutions may engage in or facilitate illicit schemes. Furthermore, the strategies adopted by banks to prevent their misuse by criminals are explored, with particular emphasis on preventive monitoring and control procedures. The study also discusses client categories that demand enhanced due diligence measures due to their higher risk profiles. Finally, the dissertation presents a forward-looking perspective on the future of compliance departments within the banking sector, considering the integration of artificial intelligence as a tool for both support and transformation of this function, while also acknowledging the risks associated with technological advancement.
Descrição
Palavras-chave
Compliance Combate Prevenção Lavagem de dinheiro Corrupção Instituições bancárias Estados Unidos Brasil Leis e regulamentos Enforcement Prevention Money laundering Corruption Banks United States Laws and regulations
Contexto Educativo
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Licença CC
Sem licença CC