{"id":32743,"date":"2025-07-03T07:42:49","date_gmt":"2025-07-02T22:42:49","guid":{"rendered":"https:\/\/www.sanctionlab.com\/?p=32743"},"modified":"2025-07-04T10:58:02","modified_gmt":"2025-07-04T01:58:02","slug":"aml-%ec%8b%a4%ed%9a%a8%ec%84%b1-%ec%b5%9c%ec%83%81%ec%9c%84-%ec%82%b0%eb%a6%bc%ec%a1%b0%ed%95%a9%ec%a4%91%ec%95%99%ed%9a%8c","status":"publish","type":"post","link":"https:\/\/www.sanctionlab.com\/?p=32743","title":{"rendered":"AML \uc2e4\ud6a8\uc131 &#8216;\ucd5c\uc0c1\uc704&#8217; \uc0b0\ub9bc\uc870\ud569\uc911\uc559\ud68c"},"content":{"rendered":"<h3>|\u2466\uc0b0\ub9bc\uc870\ud569 141\uacf3 \uad00\ub9ac\u00b7\uac10\ub3c5\u2026\uc0c1\ud638\uae08\uc735 \uc218\ud0c1\uae30\uad00 \uc911 \ucd5c\uace0 \uac80\uc0ac \uc2e4\uc801<\/h3>\n<p>\uc0b0\ub9bc\uc870\ud569\uc911\uc559\ud68c\ub294 \uac1c\ubcc4 \ub2e8\uc704 \uc0b0\ub9bc\uc870\ud569\uc758 \uac10\ub3c5\uacfc \uc9c0\ub3c4\ub97c \ucc45\uc784\uc9c4\ub2e4. \uc0b0\ub9bc \uacbd\uc601\ubfd0 \uc544\ub2c8\ub77c \uae08\uc735\uc815\ubcf4\ubd84\uc11d\uc6d0(FIU)\uc73c\ub85c\ubd80\ud130 \uac80\uc0ac\uad8c\uacfc \uc77c\ubd80 \uc81c\uc7ac\uad8c\uc744 \uc704\ud0c1\ubc1b\uc740 \uc790\uae08\uc138\ud0c1\ubc29\uc9c0(AML) \uac80\uc0ac\uc218\ud0c1\uae30\uad00\uc73c\ub85c\uc11c, \uc804\uad6d \uc0b0\ub9bc\uc870\ud569(\uc0c1\ud638\uae08\uc735)\uc758 \uc790\uae08\uc138\ud0c1(ML) \ubc0f \ud14c\ub7ec\uc790\uae08(TF) \uc704\ud5d8\uc744 \uc5b5\uc81c\ud558\uace0 \uc788\ub2e4.<\/p>\n<p>\uc0b0\ub9bc\uc870\ud569\uc740 \ub2e4\ub978 \uc0c1\ud638\uae08\uc735\uae30\uad00\uc5d0 \ube44\ud574 \uaddc\ubaa8\uac00 \uc791\uace0 \uc774\uc288\uac00 \uc801\uc5b4 \uc0c1\ub300\uc801\uc73c\ub85c \uc218\uba74 \uc704\ub85c \uc798 \ub4dc\ub7ec\ub098\uc9c0 \uc54a\ub294 \ud3b8\uc774\ub2e4. \uc0b0\ub9bc\uc870\ud569\uc911\uc559\ud68c\uc758 \uc2e4\uc18d \uc788\ub294 \uad00\ub9ac\u00b7\uac10\ub3c5\uc73c\ub85c \uc0ac\uace0\ub97c \uc608\ubc29\ud574 \uc628 \uc601\ud5a5\uc774\ub77c\ub294 \ubd84\uc11d\ub3c4 \uc788\ub2e4. \uc2e4\uc81c \uc790\uae08\uc138\ud0c1\ubc29\uc9c0 \uac80\uc0ac \uc2e4\uc801\uc740 11\uac1c \uc218\ud0c1\uae30\uad00 \uc911\uc5d0\uc11c \ucd5c\uc0c1\uc704\uad8c\uc774\ub2e4.<\/p>\n<p><strong>\u25c7\uc870\ud569\uac10\uc0ac\uc2e4, \uc9c0\uc5ed\ubcf8\ubd80 \uacf5\ub3d9 AML \uad00\ub9ac\u00b7\uac10\ub3c5 \uccb4\uacc4<\/strong><\/p>\n<p>\uc0b0\ub9bc\uc870\ud569\uc911\uc559\ud68c\ub294 \uc9c0\ub09c\ud574 \ub9d0 \uae30\uc900 141\uac1c\uc758 \uc804\uad6d \uc0b0\ub9bc\uc870\ud569\uc744 \uac80\uc0ac \ub300\uc0c1\uc73c\ub85c \uc0bc\uace0 \uc788\ub2e4. \uae08\uc735\uc815\ubcf4\ubd84\uc11d\uc6d0 \uac80\uc0ac\uc218\ud0c1\uae30\uad00\uc73c\ub85c\uc11c \uc0b0\ub9bc\uc870\ud569\uc911\uc559\ud68c\ub294 \ub9e4\ub144 \uac80\uc0ac\uc704\ud0c1\uacf5\ubb38\uc5d0 \uc758\uac70\ud55c \ubd84\uae30\ubcc4 \uac80\uc0ac\uc2e4\uc2dc\uacc4\ud68d\uc744 \uc138\uc6cc \uae08\uc735\uc815\ubcf4\ubd84\uc11d\uc6d0\uc7a5\uc5d0\uac8c \ud1b5\ubcf4\ud558\uace0 &#8216;AML \uc5c5\ubb34 \uac80\uc0ac\uccb4\ud06c\ub9ac\uc2a4\ud2b8&#8217;\uc5d0 \ub530\ub77c \uac80\uc0ac\ud558\uace0 \uc788\ub2e4.<\/p>\n<p>\uc704\ud5d8\uae30\ubc18\uc811\uadfc\ubc95(RBA) \uac80\uc0ac\uccb4\uacc4\uac00 \ub3c4\uc785\ub41c 2017\ub144 \uc774\ud6c4\ubd80\ud130 \uae08\uc735\uc815\ubcf4\ubd84\uc11d\uc6d0\uc758 \uc704\ud5d8\ud3c9\uac00 \uad00\ub828 \uc790\ub8cc\ub97c \uc774\uc6a9\ud574 \uac10\ub3c5\u00b7\uac80\uc0ac \uc5ed\ub7c9\uc744 \ubc30\ubd84\ud558\uace0 \uc788\ub2e4. \uc704\ud5d8\ud3c9\uac00 \uacb0\uacfc\ub97c \ubd84\uc11d\ud574 \uc790\uae08\uc138\ud0c1 \uc704\ud5d8\uc774 \ud070 \uc0b0\ub9bc\uc870\ud569\uacfc \ub9ac\uc2a4\ud06c\uac00 \ub192\uc740 \uc5c5\ubb34 \ubd80\ubb38\uc744 \uc911\uc810 \uac80\uc0ac \ub300\uc0c1\uc73c\ub85c \uc0bc\uace0 \uac80\uc0ac\uacc4\ud68d\uc744 \uc218\ub9bd\ud558\ub294 \ubc29\uc2dd\uc774\ub2e4.<\/p>\n<div><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-32745\" src=\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/07\/20250703065437960_n.jpg\" alt=\"\" width=\"640\" height=\"469\" srcset=\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/07\/20250703065437960_n.jpg 640w, https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/07\/20250703065437960_n-300x220.jpg 300w, https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/07\/20250703065437960_n-150x110.jpg 150w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/div>\n<p>\ud574\ub2f9 \uc5c5\ubb34\ub97c \uc218\ud589\ud558\ub294 \uad00\ub828 \uc870\uc9c1\uc740 \ud06c\uac8c \uc870\ud569\uac10\uc0ac\uc2e4\uacfc \uc9c0\uc5ed\ubcf8\ubd80 \ub4f1\uc774 \uc788\ub2e4. \uc870\ud569\uac10\uc0ac\uc2e4\uc740 \uc911\uc559\ud68c\uc7a5 \uc18c\uc18d\uc73c\ub85c \ud68c\uc6d0\uc758 \uc5c5\ubb34\ub97c \uc9c0\ub3c4\u00b7\uac10\uc0ac\ud560 \uc218 \uc788\ub294 \uc870\ud569\uac10\uc0ac\uc704\uc6d0\ud68c \uc2e4\ubb34 \uc870\uc9c1\uc774\ub2e4. \uc870\ud569\uac10\uc0ac\uc2e4\uc758 \uc9c0\ub3c4\uac10\uc0ac 1\u00b72\ud300\uacfc \uae30\ud68d\uc0c1\uc2dc\uac10\uc0ac\ud300\uc5d0 \uc18c\uc18d\ub41c \ucd1d 3\uba85\uc774 \uc790\uae08\uc138\ud0c1\ubc29\uc9c0 \uad00\ub828 \uc5c5\ubb34\ub97c \uc218\ud589\ud558\uace0 \uc788\ub2e4.<\/p>\n<p>\uc9c0\uc5ed\ubcf8\ubd80\ub294 \uad00\ud560 \uc9c0\uc5ed\uc758 \ub2e8\uc704 \uc0b0\ub9bc\uc870\ud569\uc5d0 \ub300\ud55c \uc9c0\uc6d0\uacfc \uac10\ub3c5\uc744 \ub2f4\ub2f9\ud55c\ub2e4. \uc0b0\ub9bc\uc870\ud569\uc911\uc559\ud68c\uc758 \uc9c0\uc5ed\ubcf8\ubd80\ub294 \ubaa8\ub450 9\uac1c(\uc11c\uc6b8\uc778\ucc9c\uacbd\uae30\u00b7\uac15\uc6d0\u00b7\ucda9\ubd81\u00b7\ub300\uc804\uc138\uc885\ucda9\ub0a8\u00b7\uc804\ubd81\u00b7\uad11\uc8fc\uc804\ub0a8\u00b7\ub300\uad6c\uacbd\ubd81\u00b7\ubd80\uc0b0\uc6b8\uc0b0\uacbd\ub0a8\u00b7\uc81c\uc8fc\uc9c0\uc5ed\ubcf8\ubd80)\ub2e4. \uac01 \uc9c0\uc5ed\ubcf8\ubd80\ub9c8\ub2e4 2~24\uac1c\uc758 \ud68c\uc6d0\uc870\ud569\uc744 \uad00\ub9ac\ud558\uace0 \uc788\ub2e4. \uc9c0\uc5ed\ubcf8\ubd80 \uc790\uae08\uc138\ud0c1\ubc29\uc9c0 \ub4f1 \uac80\uc0ac\uc778\ub825\uc740 9\uba85\uc774\ub2e4.<\/p>\n<p>\uc790\uae08\uc138\ud0c1\ubc29\uc9c0 \uad00\ub828 \ud604\uc7a5\uac80\uc0ac\ub294 \uc815\uae30\uac80\uc0ac\uc758 \uc77c\ubd80\ub85c \uc9c4\ud589\ub418\ub294 \ubcd1\ud589\uac80\uc0ac\uc640 \uc790\uae08\uc138\ud0c1 \uc5c5\ubb34\ub9cc\uc744 \uc810\uac80\ud558\ub294 \uc804\ubb38\uac80\uc0ac\ub85c \ub098\ub25c\ub2e4. \uc790\uae08\uc138\ud0c1\ubc29\uc9c0 \ubcd1\ud589\uac80\uc0ac\ub294 \uc870\ud569\uac10\uc0ac\uc2e4 \uc9c0\ub3c4\uac10\uc0ac 1\ud300\uacfc 2\ud300\uc774 \uc804\ub2f4\ud558\uace0 \uc788\ub2e4. \uc790\uae08\uc138\ud0c1\ubc29\uc9c0 \uc804\ubb38\uac80\uc0ac\uc758 \uacbd\uc6b0 \uc870\ud569\uac10\uc0ac\uc2e4 \uae30\ud68d\uc0c1\uc2dc\uac10\uc0ac\ud300\uacfc \uac01 \uc9c0\uc5ed\ubcf8\ubd80 \uac80\uc0ac\uc778\ub825\uc774 \uc218\ud589\ud558\uace0 \uc788\ub2e4.<\/p>\n<p><strong>\u25c7\uc6b0\uc218\ud55c AML \uac80\uc0ac \uc2e4\uc801\u2026\uc804\ubb38\uac80\uc0ac \ube44\uc911 \uc218\ud0c1\uae30\uad00 \ud3c9\uade0 \uc0c1\ud68c<\/strong><\/p>\n<p>\uc0b0\ub9bc\uc870\ud569\uc911\uc559\ud68c\uc758 \uc790\uae08\uc138\ud0c1\ubc29\uc9c0 \uad00\ub828 \uc870\uc9c1\uc740 \uc791\uc740 \ud3b8\uc774\uc9c0\ub9cc \ud6a8\uc728\uc801\uc778 \uac80\uc0ac \uccb4\uacc4 \ub4f1\uc744 \ubc14\ud0d5\uc73c\ub85c \uae08\uc735\uc815\ubcf4\ubd84\uc11d\uc6d0 \uac80\uc0ac\uc218\ud2f1\uae30\uad00\uc73c\ub85c\uc11c \uc6b0\uc218\ud55c \uac80\uc0ac \uc2e4\uc801\uc744 \uae30\ub85d\ud558\uace0 \uc788\ub2e4. \uac80\uc0ac\ub2f9 \uc81c\uc7ac \uac74\uc218\ub294 \uc9c0\ub09c 2023\ub144 \uae30\uc900 1.71\uac74\uc73c\ub85c 5\uac1c \uc0c1\ud638\uae08\uc735 \uc218\ud0c1\uae30\uad00(\ub18d\ud611\u00b7\uc2e0\ud611\u00b7\uc0c8\ub9c8\uc744\uae08\uace0\u00b7\uc218\ud611\u00b7\uc0b0\ub9bc\uc870\ud569\uc911\uc559\ud68c) \uc911 \ucd5c\ub2e4\uc600\ub2e4.<\/p>\n<div><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-32744\" src=\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/07\/20250703065514386.png\" alt=\"\" width=\"581\" height=\"290\" srcset=\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/07\/20250703065514386.png 581w, https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/07\/20250703065514386-300x150.png 300w, https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/07\/20250703065514386-150x75.png 150w\" sizes=\"auto, (max-width: 581px) 100vw, 581px\" \/><\/div>\n<p>\uac80\uc0ac\uc758 \uc2e4\ud6a8\uc131\uc774 \ub192\uc740 \uc804\ubb38\uac80\uc0ac \ube44\uc911\ub3c4 \uac00\uc7a5 \ucef8\ub2e4. \uc0b0\ub9bc\uc870\ud569\uc911\uc559\ud68c\ub294 \uc9c0\ub09c 2023\ub144 140\uac1c\uc758 \uac80\uc0ac \ub300\uc0c1 \uac00\uc6b4\ub370 87\uacf3\uc744 \uac80\uc0ac\ud588\ub2e4. \uc804\ubb38\uac80\uc0ac\uc640 \ubcd1\ud589\uac80\uc0ac \uac01 20\ud68c, 67\ud68c\uac00 \uc9c4\ud589\ub410\ub2e4. \uac80\uc0ac\uc2e4\uc2dc\uc728\uc740 62.1%, \uc804\uccb4 \uac80\uc0ac \uc911 \uc804\ubb38\uac80\uc0ac \ube44\uc911\uc740 23%\uc600\ub2e4. \uc9c0\ub09c\ud574\uc5d0\ub3c4 96\ud68c\uc758 \uac80\uc0ac\uc5d0\uc11c 22\ud68c(23%)\uac00 \uc804\ubb38\uac80\uc0ac\ub85c \uc774\ub904\uc84c\ub2e4.<\/p>\n<p>\uac19\uc740 \uc2dc\uae30 11\uac1c \uac80\uc0ac\uc218\ud0c1\uae30\uad00\uc758 \ubcd1\ud589\uac80\uc0ac \ube44\uc911\uc740 80%, \uc804\ubb38\uac80\uc0ac \ube44\uc911\uc740 20%\uc5d0 \uadf8\ucce4\ub2e4. \uc804\ubb38\uac80\uc0ac\ub294 \ubcd1\ud589\uac80\uc0ac \ub300\uc0c1\uc744 \uc81c\uc678\ud558\uace0 \uae08\uc735\uc815\ubcf4\ubd84\uc11d\uc6d0 \uc704\ud5d8\ud3c9\uac00 \ubc0f RBA \uc790\uccb4\uc704\ud5d8\ud3c9\uac00 \uacb0\uacfc\ub97c \ubc18\uc601\ud574 \uc120\uc815\ud55c\ub2e4. \uadf8\ub9cc\ud07c \uc704\ud5d8\ub3c4\uac00 \ub192\uc740 \uc870\ud569\uc774 \ub9ce\ub2e4\ub294 \uc758\ubbf8\ub3c4 \uc788\uaca0\uc73c\ub098 \uae30\uc900\uc744 \ubcf4\uc218\uc801\uc73c\ub85c \uc124\uc815\ud588\ub2e4\uace0\ub3c4 \ud574\uc11d\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>\uc0b0\ub9bc\uc870\ud569\uc911\uc559\ud68c\ub294 \uc62c\ud574\uc5d0\ub3c4 \uc758\ubb34 \ubd88\uc774\ud589\uc5d0 \ub530\ub978 \uacfc\ud0dc\ub8cc \ubd80\uacfc\ud56d\ubaa9 \uc810\uac80\uacfc \ub0b4\ubd80\ud1b5\uc81c \ucde8\uc57d\ubd80\ubb38 \uc810\uac80\uc744 \uac15\ud654\ud558\ub294 \ub4f1 \ubcf4\uc218\uc801\uc778 \uc790\uae08\uc138\ud0c1\ubc29\uc9c0 \uac80\uc0ac \uae30\uc870\ub97c \uc774\uc5b4\uac08 \ubc29\uce68\uc774\ub2e4. \ud2b9\ud788 \uc758\uc2ec\uac70\ub798\ubcf4\uace0(STR) 3\uc601\uc5c5\uc77c, \uace0\uc561\ud604\uae08\uac70\ub798\ubcf4\uace0(CTR) 30\uc77c \ub4f1 \ubcf4\uace0\uae30\uc77c \uc900\uc218 \ubc0f \ucda9\uc2e4\ub3c4\uc640 \uace0\uac1d\ud655\uc778\uc81c\ub3c4(CDD)\uc758 \uc801\uc815\uc131 \uc5ec\ubd80\ub97c \uc720\uc2ec\ud788 \ub4e4\uc5ec\ub2e4\ubcfc \uacc4\ud68d\uc774\ub2e4.<\/p>\n<p>\/ \uc774\uc7ac\uc6a9 \ub354\ubca8 \uae30\uc790<\/p>\n","protected":false},"excerpt":{"rendered":"<p>|\u2466\uc0b0\ub9bc\uc870\ud569 141\uacf3 \uad00\ub9ac\u00b7\uac10\ub3c5\u2026\uc0c1\ud638\uae08\uc735 \uc218\ud0c1\uae30\uad00 \uc911 \ucd5c\uace0 \uac80\uc0ac \uc2e4\uc801 \uc0b0\ub9bc\uc870\ud569\uc911\uc559\ud68c\ub294 \uac1c\ubcc4 \ub2e8\uc704 \uc0b0\ub9bc\uc870\ud569\uc758 \uac10\ub3c5\uacfc \uc9c0\ub3c4\ub97c \ucc45\uc784\uc9c4\ub2e4. \uc0b0\ub9bc \uacbd\uc601\ubfd0 \uc544\ub2c8\ub77c \uae08\uc735\uc815\ubcf4\ubd84\uc11d\uc6d0(FIU)\uc73c\ub85c\ubd80\ud130 \uac80\uc0ac\uad8c\uacfc \uc77c\ubd80 \uc81c\uc7ac\uad8c\uc744 \uc704\ud0c1\ubc1b\uc740 \uc790\uae08\uc138\ud0c1\ubc29\uc9c0(AML) \uac80\uc0ac\uc218\ud0c1\uae30\uad00\uc73c\ub85c\uc11c, \uc804\uad6d \uc0b0\ub9bc\uc870\ud569(\uc0c1\ud638\uae08\uc735)\uc758 \uc790\uae08\uc138\ud0c1(ML) \ubc0f \ud14c\ub7ec\uc790\uae08(TF) \uc704\ud5d8\uc744 \uc5b5\uc81c\ud558\uace0 \uc788\ub2e4. \uc0b0\ub9bc\uc870\ud569\uc740 \ub2e4\ub978 \uc0c1\ud638\uae08\uc735\uae30\uad00\uc5d0 \ube44\ud574 \uaddc\ubaa8\uac00 \uc791\uace0 \uc774\uc288\uac00 \uc801\uc5b4 \uc0c1\ub300\uc801\uc73c\ub85c \uc218\uba74 \uc704\ub85c \uc798 \ub4dc\ub7ec\ub098\uc9c0 \uc54a\ub294 \ud3b8\uc774\ub2e4. \uc0b0\ub9bc\uc870\ud569\uc911\uc559\ud68c\uc758 \uc2e4\uc18d \uc788\ub294 \uad00\ub9ac\u00b7\uac10\ub3c5\uc73c\ub85c \uc0ac\uace0\ub97c \uc608\ubc29\ud574 \uc628 [&hellip;]<\/p>\n","protected":false},"author":44,"featured_media":32745,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[922,1,611],"tags":[719,221,4762,36,5921],"class_list":{"0":"post-32743","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-thebell","8":"category-money-laundering","9":"category-korea","10":"tag-aml","11":"tag-221","12":"tag-4762","13":"tag-36","14":"tag-5921"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>AML \uc2e4\ud6a8\uc131 &#039;\ucd5c\uc0c1\uc704&#039; \uc0b0\ub9bc\uc870\ud569\uc911\uc559\ud68c SanctionLab<\/title>\n<meta name=\"description\" content=\"\uc0b0\ub9bc\uc870\ud569\uc911\uc559\ud68c\ub294 \uac1c\ubcc4 \ub2e8\uc704 \uc0b0\ub9bc\uc870\ud569\uc758 \uac10\ub3c5\uacfc \uc9c0\ub3c4\ub97c \ucc45\uc784\uc9c4\ub2e4. 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