Anti-Money Laundering

The Smart Fraud Detection system monitors all operations of servicing individuals and legal entities. It is enriched with data – SPARK, Antidrop Club, stop lists. The system tracks the dependencies of operations in different business areas and in different systems of the company’s IT architecture.

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SMART FRAUD DETECTION system checks the following operations:

1. Transit operations

  • Payments with a low tax burden on the incoming and outgoing flow are checked, payment assignments are tracked, and substitutions of the letters Rus/Lat are detected.
  • Incoming flows are compared with outgoing ones for the presence of VAT (incoming payments 50-70% with VAT, outgoing payments 50-70% without VAT).
  • Operations on dubious counterparties are analyzed on the incoming and outgoing flows.

2. Withdrawal of funds: transfer of funds to non-residents, the address of the Federal Bailiff Service of Russia, operations related to enforcement orders

  • 402 form is analyzed, unloading is formed for transportation services by any transport
  • Payments with a low tax burden are checked
  • Payments are analyzed by countries at risk: the Baltic countries, Hong Kong, Eastern Europe, Portugal, Spain, Finland, Switzerland, Germany. Bank jurisdictions are similar. (This list should be editable).

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3. Cashing out through accounts at cash desks and ATMs, cashing out maternity capital, cashing out transactions of securities market participants

  • Operations on dubious counterparties are analyzed on the incoming flow
  • The minimum account balance is checked against the turnover at the end of the day
  • Frequent transfers to the individuals accounts are checked (more than three times a month)
  • Withdrawal operations up to 80% of the turnover are checked

4. Rolling debits and credits – money transfers to individual entrepreneur / individual entrepreneur accounts with cash withdrawal

  • On the recommendation of the Central Bank of the Russian Federation, organizations are checked for analysis if there are 20-30% of transfers to individuals in debit turnover.
  • In case of payment of wages from the account of legal entities, the transfers of personal income tax are checked.
  • On the incoming and outcoming flow, transactions on dubious counterparties of the legal entities’ clients are analyzed