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Publication
Contributo do KYC na gestão dos riscos de compliance e potencial evolutivo na era digital
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| 964.95 KB | Adobe PDF |
Abstract(s)
Num cenário financeiro em constante mudança, o compliance tornou-se uma área estratégica para assegurar a conformidade com as regulações e reduzir riscos. Entre as diversas práticas que integram o compliance, destaca-se o Know Your Customer (KYC), uma medida essencial para combater crimes financeiros como o branqueamento de capitais e o financiamento ao terrorismo. No entanto, a crescente complexidade das operações financeiras e os avanços tecnológicos colocam novos desafios e oportunidades para a implementação eficaz do KYC. Este relatório de estágio tem como principal objetivo aprofundar o estudo sobre o conceito e as práticas de KYC, analisando a sua relevância para a gestão de riscos de compliance e explorando o impacto potencial de tecnologias como inteligência artificial e blockchain. No estágio que realizei no BNP Paribas Factor em Portugal, utilizei entrevistas semiestruturadas com profissionais de diferentes níveis hierárquicos da organização, incluindo o CEO, Diretor de Compliance, Diretor de Operation Permanent Control e Business Controller, com vista a entender o papel das práticas de KYC e o seu potencial evolutivo na era digital. Os resultados indicam que o KYC desempenha um papel crítico na mitigação de riscos como o branqueamento de capitais e o financiamento ao terrorismo. Apesar dos avanços tecnológicos, como a inteligência artificial e o blockchain, verifica-se que as organizações ainda enfrentam desafios para implementar automatismos mais sofisticados. Contudo, os participantes enfatizaram que a intervenção humana continuará a ser indispensável. Este estudo reforça assim a necessidade de inovação contínua para acompanhar as dinâmicas do setor financeiro e garantir a eficácia das práticas de compliance.
In an ever-changing financial landscape, compliance has become a strategic area for ensuring compliance with regulations and reducing risks. Among the various practices that make up compliance, Know Your Customer (KYC) stands out, an essential measure for combating financial crimes such as money laundering and terrorist financing. However, the growing complexity of financial operations and technological advances pose new challenges and opportunities for the effective implementation of KYC. The main objective of this internship report is to deepen the study of the concept and practices of KYC, analyzing its relevance to compliance risk management and exploring the potential impact of technologies such as artificial intelligence and blockchain. During my internship at BNP Paribas Factor in Portugal, I conducted semi-structured interviews with professionals from different hierarchical levels of the organization, including the CEO, Compliance Director, Operation Permanent Control Director and Business Controller, in order to understand the role of KYC practices and their evolutionary potential in the digital age. The results indicate that KYC plays a critical role in mitigating risks such as money laundering and terrorist financing. Despite technological advances, such as artificial intelligence and blockchain, it is identified that organizations still face challenges in implementing more sophisticated automation. However, the participants emphasized that human intervention will continue to be important.
In an ever-changing financial landscape, compliance has become a strategic area for ensuring compliance with regulations and reducing risks. Among the various practices that make up compliance, Know Your Customer (KYC) stands out, an essential measure for combating financial crimes such as money laundering and terrorist financing. However, the growing complexity of financial operations and technological advances pose new challenges and opportunities for the effective implementation of KYC. The main objective of this internship report is to deepen the study of the concept and practices of KYC, analyzing its relevance to compliance risk management and exploring the potential impact of technologies such as artificial intelligence and blockchain. During my internship at BNP Paribas Factor in Portugal, I conducted semi-structured interviews with professionals from different hierarchical levels of the organization, including the CEO, Compliance Director, Operation Permanent Control Director and Business Controller, in order to understand the role of KYC practices and their evolutionary potential in the digital age. The results indicate that KYC plays a critical role in mitigating risks such as money laundering and terrorist financing. Despite technological advances, such as artificial intelligence and blockchain, it is identified that organizations still face challenges in implementing more sophisticated automation. However, the participants emphasized that human intervention will continue to be important.
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Keywords
KYC Compliance Gestão de riscos Tecnologias BNP Paribas Risk management Technologies
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CC License
Without CC licence