「反洗錢合規科技：案例研究與見解」（第2冊）的報告（認可機構適用）（暫時只備英文版本）

The Chief Executive

All Authorized Institutions

Dear Sir / Madam,

I am writing to share the captioned report (Annex) which forms part of the Hong

Kong Monetary Authority’s (HKMA) ongoing initiative to promote Regtech

adoption in Anti-Money Laundering and Counter-Financing of Terrorism

(AML/CFT) and increase the effectiveness of efforts to combat digital fraud and

financial crime in the banking sector. The report builds on the first volume of the

“AML/CFT Regtech: Case Studies and Insights”, published in January 20211

, and aims to give further impetus to adoption rates, which have increased significantly

since the work commenced in 2019.

This latest report was developed with industry collaboration and in cooperation with

an international consulting firm, sharing comprehensive, end-to-end experience and

success stories from Authorized Institutions (AIs) of different sizes and at different

stages in their AML Regtech adoption journeys. Four broad areas of Regtech

implementation and real-life use cases are featured, including real-time fraud

monitoring, machine learning for transaction monitoring alerts handling, natural

language processing for media monitoring and analytics providing a ‘single view of

the customer’. Based on industry feedback, we have also retained and further

developed in the report the thematic insights targeting areas where AIs have

requested support. Under its “Fintech 2025” strategy, the HKMA remains committed to the promotion

of AML Regtech adoption to tackle the harm caused by digital fraud and other

financial crimes, as well as delivering sustainable and effective AML/CFT systems.

AIs should study the report and have regard to the shared experience and insight to

help staying effective and efficient in the light of evolving risks. The HKMA will

continue to engage AIs individually and collectively on various follow up activities

related to the themes in the report and as part of our ongoing supervisory engagement.

Should you have any questions regarding this circular, please contact us at

Yours faithfully

Carmen Chu

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