{"id":49677,"date":"2026-04-07T16:48:39","date_gmt":"2026-04-07T14:48:39","guid":{"rendered":"https:\/\/www.investglass.com\/?p=49677"},"modified":"2026-04-15T10:58:33","modified_gmt":"2026-04-15T08:58:33","slug":"stages-of-money-laundering-placement-layering-integration","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/ja\/stages-of-money-laundering-placement-layering-integration\/","title":{"rendered":"\u72af\u7f6a\u8005\u306f\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u306e\u305f\u3081\u306b\u3001\u30d7\u30ec\u30a4\u30b9\u30e1\u30f3\u30c8\u3001\u30ec\u30a4\u30e4\u30ea\u30f3\u30b0\u3001\u30a4\u30f3\u30c6\u30b0\u30ec\u30fc\u30b7\u30e7\u30f3\u3092\u3069\u306e\u3088\u3046\u306b\u5229\u7528\u3057\u307e\u3059\u304b\uff1f"},"content":{"rendered":"<p 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class=\"wp-block-paragraph\">\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u3068\u306f\u3001\u72af\u7f6a\u306b\u3088\u308b\u53ce\u76ca\u3092\u6b63\u5f53\u306a\u51fa\u6240\u304b\u3089\u5f97\u305f\u3082\u306e\u3067\u3042\u308b\u304b\u306e\u3088\u3046\u306b\u507d\u88c5\u3059\u308b\u30d7\u30ed\u30bb\u30b9\u306e\u3053\u3068\u3067\u3059\u3002\u3053\u306e\u91d1\u878d\u72af\u7f6a\u306b\u3088\u308a\u3001\u72af\u7f6a\u8005\u306f\u7a0e\u52d9\u5f53\u5c40\u3084\u6cd5\u57f7\u884c\u6a5f\u95a2\u3092\u304b\u308f\u3057\u306a\u304c\u3089\u3001\u9055\u6cd5\u6d3b\u52d5\u306e\u5229\u76ca\u3092\u4eab\u53d7\u3059\u308b\u3053\u3068\u304c\u53ef\u80fd\u306b\u306a\u308a\u307e\u3059\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u3092\u52a9\u9577\u3059\u308b\u5148\u884c\u72af\u7f6a\u306b\u306f\u3001\u4ee5\u4e0b\u306e\u3088\u3046\u306a\u3082\u306e\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u9ebb\u85ac\u5bc6\u58f2<\/li>\n\n\n\n<li>\u6c5a\u8077\u3068\u53ce\u8cc4<\/li>\n\n\n\n<li>\u30b5\u30a4\u30d0\u30fc\u8a50\u6b3a<\/li>\n\n\n\n<li>\u8131\u7a0e<\/li>\n\n\n\n<li>\u4eba\u8eab\u58f2\u8cb7<\/li>\n\n\n\n<li>\u5236\u88c1\u9003\u308c<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u8cc7\u91d1\u6d17\u6d44\u3055\u308c\u305f\u8cc7\u91d1\u306f\u3001\u9280\u884c\u3001\u6c7a\u6e08\u6a5f\u95a2\u3001\u6697\u53f7\u8cc7\u7523\u53d6\u5f15\u6240\u3001\u4e0d\u52d5\u7523\u53d6\u5f15\u3001\u9ad8\u7d1a\u54c1\u5e02\u5834\u3001\u304a\u3088\u3073\u6cd5\u5f8b\u4e8b\u52d9\u6240\u3001\u4f1a\u8a08\u4e8b\u52d9\u6240\u3001\u4fe1\u8a17\u4f1a\u793e\u306a\u3069\u306e\u5c02\u9580\u7684\u4ef2\u4ecb\u696d\u8005\u3092\u901a\u3058\u3066\u79fb\u52d5\u3057\u307e\u3059\u3002FATF\uff08\u91d1\u878d\u6d3b\u52d5\u4f5c\u696d\u90e8\u4f1a\uff09\u306e40\u52e7\u544a\u306e\u3088\u3046\u306a\u56fd\u969b\u7684\u67a0\u7d44\u307f\u3084 <a href=\"https:\/\/www.investglass.com\/ja\/%e7%ac%ac6%e6%ac%a1%e3%83%9e%e3%83%8d%e3%83%bc%e3%83%ad%e3%83%b3%e3%83%80%e3%83%aa%e3%83%b3%e3%82%b0%e9%98%b2%e6%ad%a2%e6%8c%87%e4%bb%a4%e3%81%a8%e3%81%af%e4%bd%95%e3%81%8b\/\" target=\"_self\">EU\u8cc7\u91d1\u6d17\u6d44\u9632\u6b62\u6307\u4ee4<\/a> 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id=\"h-dirty-money-the-origins-of-illicit-funds\"><span class=\"ez-toc-section\" id=\"Dirty_money_The_origins_of_illicit_funds\"><\/span>\u6c5a\u308c\u305f\u91d1\uff1a\u4e0d\u6b63\u8cc7\u91d1\u306e\u8d77\u6e90<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p 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class=\"wp-block-paragraph\">\u6c5a\u67d3\u3055\u308c\u305f\u8cc7\u91d1\u306e\u51fa\u6240\u306f\u3001\u9ebb\u85ac\u5bc6\u58f2\u306b\u95a2\u4e0e\u3059\u308b\u7d44\u7e54\u72af\u7f6a\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u304b\u3089\u3001\u8131\u7a0e\u3084\u30c6\u30ed\u8cc7\u91d1\u4f9b\u4e0e\u3092\u884c\u3046\u500b\u4eba\u3084\u6cd5\u4eba\u306b\u81f3\u308b\u307e\u3067\u591a\u5c90\u306b\u308f\u305f\u308b\u3002\u4e00\u5ea6\u5f97\u3089\u308c\u305f\u3053\u308c\u3089\u306e\u9055\u6cd5\u8cc7\u91d1\u306f\u3001\u305d\u306e\u51fa\u6240\u3092\u96a0\u853d\u3059\u308b\u305f\u3081\u306b\u8a2d\u8a08\u3055\u308c\u305f\u4e00\u9023\u306e\u91d1\u878d\u53d6\u5f15\u3092\u901a\u3058\u3066\u79fb\u52d5\u3055\u305b\u3089\u308c\u308b\u3053\u3068\u304c\u591a\u3044\u3002\u3053\u3053\u3067\u91d1\u878d\u6a5f\u95a2\u306e\u5f79\u5272\u304c\u6975\u3081\u3066\u91cd\u8981\u3068\u306a\u308b\u3002\u9280\u884c\u3001\u30a6\u30a7\u30eb\u30b9\u30fb\u30de\u30cd\u30fc\u30b8\u30e3\u30fc\u3001\u305d\u306e\u4ed6\u306e\u898f\u5236\u5bfe\u8c61\u4f01\u696d\u306f\u3001\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u9632\u6b62\uff08AML\uff09\u306e\u6700\u524d\u7dda\u306b\u7acb\u3061\u3001\u6c5a\u67d3\u3055\u308c\u305f\u8cc7\u91d1\u306e\u5b58\u5728\u3092\u793a\u3059\u53ef\u80fd\u6027\u306e\u3042\u308b\u4e0d\u5be9\u306a\u53d6\u5f15\u3092\u7279\u5b9a\u3057\u5831\u544a\u3059\u308b\u4efb\u52d9\u3092\u8ca0\u3063\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9867\u5ba2\u78ba\u8a8d\u3084\u53d6\u5f15\u30e2\u30cb\u30bf\u30ea\u30f3\u30b0\u3092\u542b\u3080\u5805\u308d\u3046\u306a\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u5bfe\u7b56\u306e\u67a0\u7d44\u307f\u306f\u3001\u4e0d\u6b63\u8cc7\u91d1\u304c\u6b63\u5f53\u306a\u91d1\u878d\u30b7\u30b9\u30c6\u30e0\u306b\u6d41\u5165\u3059\u308b\u306e\u3092\u9632\u3050\u305f\u3081\u306b\u4e0d\u53ef\u6b20\u3067\u3042\u308b\u3002\u91d1\u878d\u6a5f\u95a2\u306f\u3001\u6c5a\u308c\u305f\u8cc7\u91d1\u306e\u51fa\u6240\u3068\u79fb\u52d5\u3092\u628a\u63e1\u3059\u308b\u3053\u3068\u306b\u3088\u308a\u3001\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u30b9\u30ad\u30fc\u30e0\u3092\u3088\u308a\u7684\u78ba\u306b\u691c\u77e5\u30fb\u963b\u6b62\u3057\u3001\u81ea\u3089\u306e\u696d\u52d9\u304a\u3088\u3073\u3088\u308a\u5e83\u7bc4\u306a\u7d4c\u6e08\u3092\u91d1\u878d\u72af\u7f6a\u306b\u95a2\u9023\u3059\u308b\u30ea\u30b9\u30af\u304b\u3089\u5b88\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-overview-of-the-three-stages-of-money-laundering\"><span class=\"ez-toc-section\" id=\"Overview_of_the_three_stages_of_money_laundering\"><\/span>\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u306e3\u3064\u306e\u6bb5\u968e\u306e\u6982\u8981<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u307b\u3068\u3093\u3069\u306e\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u306e\u624b\u53e3\u306f\u3001\u5b9f\u969b\u306b\u306f\u5404\u6bb5\u968e\u304c\u91cd\u8907\u3057\u305f\u308a\u7e70\u308a\u8fd4\u3055\u308c\u305f\u308a\u3059\u308b\u5834\u5408\u3067\u3042\u3063\u3066\u3082\u3001\u8cc7\u91d1\u306e\u6d41\u308c\u306b\u306f3\u3064\u306e\u6bb5\u968e\u304c\u3042\u308a\u307e\u3059\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>\u30b9\u30c6\u30fc\u30b8<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u5b9a\u7fa9<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u914d\u7f6e<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u4e0d\u6b63\u306a\u73fe\u91d1\u3084\u4fa1\u5024\u3092\u91d1\u878d\u30b7\u30b9\u30c6\u30e0\u306b\u6301\u3061\u8fbc\u3080\u3053\u3068<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u30ec\u30a4\u30e4\u30ea\u30f3\u30b0<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u76e3\u67fb\u8a3c\u8de1\u3092\u96a0\u853d\u3059\u308b\u305f\u3081\u306b\u8907\u6570\u306e\u53d6\u5f15\u3092\u901a\u3058\u3066\u8cc7\u91d1\u3092\u79fb\u52d5\u3055\u305b\u308b\u3053\u3068<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u7d71\u5408<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u4e0d\u6b63\u306b\u5f97\u305f\u8cc7\u91d1\u3092\u5408\u6cd5\u7684\u306a\u91d1\u878d\u30b7\u30b9\u30c6\u30e0\u306b\u6d41\u5165\u3055\u305b\u3001\u8cc7\u7523\u3084\u6240\u5f97\u3068\u3057\u3066\u6b63\u5f53\u306a\u3082\u306e\u306b\u898b\u305b\u304b\u3051\u308b\u3053\u3068<\/p><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u3053\u308c\u3089\u306e\u6bb5\u968e\u306f\u3001\u4f1d\u7d71\u7684\u306a\u9280\u884c\u696d\u52d9\u3001\u8cbf\u6613\u30d9\u30fc\u30b9\u306e\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u3001\u30aa\u30f3\u30e9\u30a4\u30f3\u6c7a\u6e08\u3001\u6697\u53f7\u8cc7\u7523\u5168\u4f53\u306b\u9069\u7528\u3055\u308c\u307e\u3059\u3002\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u30c1\u30fc\u30e0\u306f\u3001KYC\u3001\u30ea\u30b9\u30af\u30b9\u30b3\u30a2\u30ea\u30f3\u30b0\u3001\u53d6\u5f15\u30e2\u30cb\u30bf\u30ea\u30f3\u30b0\u3001\u30b1\u30fc\u30b9\u7ba1\u7406\u306a\u3069\u306e\u7d71\u5236\u3092\u3001\u3053\u308c\u30893\u3064\u306e\u6bb5\u968e\u3059\u3079\u3066\u306b\u30de\u30c3\u30d4\u30f3\u30b0\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002InvestGlass\u306e\u30ef\u30fc\u30af\u30d5\u30ed\u30fc\u3068AI\u99c6\u52d5\u578b\u30e2\u30cb\u30bf\u30ea\u30f3\u30b0\u306f\u3001\u5404\u6bb5\u968e\u306b\u7d50\u3073\u3064\u3044\u305f\u7279\u5b9a\u306e\u30ea\u30b9\u30af\u6307\u6a19\u3092\u30bf\u30fc\u30b2\u30c3\u30c8\u306b\u3059\u308b\u3088\u3046\u8a2d\u5b9a\u3067\u304d\u307e\u3059\u3002.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"771\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/04\/what-are-the-4-stages-of-money-laundering-1024x771.jpg\" alt=\"\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u306e4\u3064\u306e\u6bb5\u968e\u306f\u4f55\u3067\u3059\u304b\" class=\"wp-image-49702\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/04\/what-are-the-4-stages-of-money-laundering-1024x771.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/04\/what-are-the-4-stages-of-money-laundering-300x226.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/04\/what-are-the-4-stages-of-money-laundering-768x578.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/04\/what-are-the-4-stages-of-money-laundering-1536x1157.jpg 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/04\/what-are-the-4-stages-of-money-laundering-scaled.jpg 2048w, https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/04\/what-are-the-4-stages-of-money-laundering-16x12.jpg 16w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u306e4\u3064\u306e\u6bb5\u968e\u306f\u4f55\u3067\u3059\u304b<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-stage-1-placement-illicit-funds-enter-the-financial-system\"><span class=\"ez-toc-section\" id=\"Stage_1_Placement_Illicit_funds_enter_the_financial_system\"><\/span>\u30b9\u30c6\u30fc\u30b81\uff1a\u914d\u7f6e\uff08\u30d7\u30ec\u30fc\u30b9\u30e1\u30f3\u30c8\uff09\uff1a\u4e0d\u6b63\u8cc7\u91d1\u304c\u91d1\u878d\u30b7\u30b9\u30c6\u30e0\u306b\u6d41\u5165\u3059\u308b<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u914d\u7f6e\u6bb5\u968e\u3068\u306f\u3001\u4e0d\u6b63\u306b\u5165\u624b\u3057\u305f\u8cc7\u91d1\u304c\u91d1\u878d\u30b7\u30b9\u30c6\u30e0\u306b\u521d\u3081\u3066\u6d41\u5165\u3059\u308b\u304b\u3001\u5f8c\u306b\u63db\u91d1\u53ef\u80fd\u306a\u8cc7\u7523\u306b\u5909\u63db\u3055\u308c\u308b\u6700\u521d\u306e\u6642\u70b9\u3067\u3042\u308b\u3002\u3053\u306e\u6bb5\u968e\u306f\u3001\u591a\u304f\u306e\u5834\u5408\u3001\u5927\u91cf\u306e\u9055\u6cd5\u306a\u73fe\u91d1\u3001\u9ad8\u4fa1\u5024\u306e\u7269\u54c1\u3001\u307e\u305f\u306f\u898f\u5236\u5f53\u5c40\u306e\u76e3\u8996\u3092\u5f15\u304d\u8d77\u3053\u3059\u660e\u767d\u306a\u884c\u52d5\u306e\u5909\u5316\u3092\u4f34\u3046\u305f\u3081\u3001\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30e9\u30fc\u306b\u3068\u3063\u3066\u6700\u3082\u8106\u5f31\u306a\u6642\u671f\u3068\u307f\u306a\u3055\u308c\u3066\u3044\u308b\u3002\u5927\u91cf\u306e\u73fe\u91d1\u306e\u5bc6\u8f38\u306f\u3001\u3053\u306e\u6bb5\u968e\u306b\u304a\u3044\u3066\u591a\u984d\u306e\u9055\u6cd5\u8cc7\u91d1\u3092\u91d1\u878d\u30b7\u30b9\u30c6\u30e0\u306b\u51fa\u3057\u5165\u308c\u3059\u308b\u305f\u3081\u306b\u4e00\u822c\u7684\u306b\u4f7f\u7528\u3055\u308c\u308b\u624b\u6cd5\u3067\u3042\u308b\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-common-placement-techniques\"><span class=\"ez-toc-section\" id=\"Common_placement_techniques\"><\/span>\u4e00\u822c\u7684\u306a\u914d\u7f6e\u6280\u8853<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u30b9\u30c8\u30e9\u30af\u30c1\u30e3\u30ea\u30f3\u30b0\u307e\u305f\u306f\u30b9\u30de\u30fc\u30d5\u30a3\u30f3\u30b0\uff08\u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u306e\u30b9\u30c8\u30e9\u30af\u30c1\u30e3\u30ea\u30f3\u30b0\u3068\u3082\u547c\u3070\u308c\u308b\uff09<\/strong>\u72af\u7f6a\u53ce\u76ca\u3067\u3042\u308b10\u4e07\u30e6\u30fc\u30ed\u3092\u3001\u5831\u544a\u57fa\u6e96\u3092\u308f\u305a\u304b\u306b\u4e0b\u56de\u308b\u591a\u6570\u306e\u9810\u91d1\u306b\u5206\u5272\u3059\u308b\u3053\u3068\u3002EU\u52a0\u76df\u56fd\u3067\u306f\u3001\u3053\u308c\u306f1\u4e07\u30e6\u30fc\u30ed\u306e\u73fe\u91d1\u5831\u544a\u5236\u9650\u3092\u4e0b\u56de\u308b\u3088\u3046\u3001\u8907\u6570\u306e\u9280\u884c\u53e3\u5ea7\u306b\u307e\u305f\u304c\u3063\u30669,000\u30e6\u30fc\u30ed\u305a\u3064\u9023\u7d9a\u3057\u3066\u9810\u91d1\u3059\u308b\u3053\u3068\u3092\u542b\u307f\u5f97\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u73fe\u91d1\u53d6\u5f15\u304c\u591a\u3044\u30d3\u30b8\u30cd\u30b9<\/strong>: \u30ec\u30b9\u30c8\u30e9\u30f3\u3001\u30ab\u30b8\u30ce\u3001\u30ca\u30a4\u30c8\u30af\u30e9\u30d6\u3001\u6d17\u8eca\u5834\u3001\u3042\u308b\u3044\u306f\u5c0f\u898f\u6a21\u306a\u5c0f\u58f2\u5e97\u3092\u5229\u7528\u3057\u3066\u3001\u4e0d\u6b63\u306a\u8cc7\u91d1\u3092\u6b63\u5f53\u306a\u58f2\u4e0a\u3068\u6df7\u5728\u3055\u305b\u308b\u3053\u3068\u3002\u6765\u5e97\u5ba2\u6570\u304b\u3089\u898b\u3066\u67085\u4e07\u30b9\u30a4\u30b9\u30d5\u30e9\u30f3\u7a0b\u5ea6\u306e\u58f2\u4e0a\u3068\u63a8\u6e2c\u3055\u308c\u308b\u306b\u3082\u304b\u304b\u308f\u3089\u305a\u3001\u670850\u4e07\u30b9\u30a4\u30b9\u30d5\u30e9\u30f3\u306e\u58f2\u4e0a\u3092\u5831\u544a\u3057\u3066\u3044\u308b\u30c1\u30e5\u30fc\u30ea\u30c3\u30d2\u306e\u30d6\u30c6\u30a3\u30c3\u30af\u304c\u3001\u3053\u306e\u624b\u53e3\u306e\u4e00\u4f8b\u3067\u3042\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e21\u66ff\u5546\u304a\u3088\u3073\u9001\u91d1\u4e8b\u696d\u8005<\/strong>\u73fe\u91d1\u3092\u5916\u8ca8\u3084\u30d7\u30ea\u30da\u30a4\u30c9\u30ab\u30fc\u30c9\u306b\u63db\u3048\u308b\u3053\u3068\u3001\u3042\u308b\u3044\u306f\u30de\u30cd\u30fc\u30aa\u30fc\u30c0\u30fc\u306e\u3088\u3046\u306a\u91d1\u92ad\u7684\u8a3c\u66f8\u3092\u8cfc\u5165\u3059\u308b\u3053\u3068\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u9ad8\u7d1a\u8cc7\u7523\u306e\u73fe\u91d1\u8cfc\u5165<\/strong>\u30ed\u30f3\u30c9\u30f3\u3001\u30b8\u30e5\u30cd\u30fc\u30d6\u3001\u30c9\u30d0\u30a4\u3001\u30b7\u30f3\u30ac\u30dd\u30fc\u30eb\u306a\u3069\u306e\u5e02\u5834\u3067\u6642\u8a08\u3001\u5b9d\u77f3\u3001\u8eca\u4e21\u3001\u7f8e\u8853\u54c1\u3092\u8cfc\u5165\u3057\u3001\u5f8c\u306b\u304d\u308c\u3044\u306a\u9280\u884c\u9001\u91d1\u306e\u305f\u3081\u306b\u8ee2\u58f2\u3059\u308b\u3053\u3068\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u30de\u30cd\u30fc\u30fb\u30df\u30e5\u30fc\u30eb<\/strong>\u672c\u4eba\u306e\u4ee3\u308f\u308a\u306b\u9055\u6cd5\u8cc7\u91d1\u3092\u5165\u91d1\u3057\u305f\u308a\u3001\u9867\u5ba2\u53e3\u5ea7\u95a2\u4fc2\u3092\u958b\u8a2d\u3057\u305f\u308a\u3059\u308b\u500b\u4eba\u3092\u52df\u96c6\u3059\u308b\u3053\u3068\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-cash-smuggling-as-a-placement-method\"><span class=\"ez-toc-section\" id=\"Cash_smuggling_as_a_placement_method\"><\/span>\u8cc7\u91d1\u5bc6\u8f38\u306b\u3088\u308b\u30d7\u30ec\u30fc\u30b9\u30e1\u30f3\u30c8\u624b\u6cd5<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u73fe\u91d1\u5bc6\u8f38\u306f\u3001\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u30d7\u30ed\u30bb\u30b9\u306e\u30d7\u30ec\u30fc\u30b9\u30e1\u30f3\u30c8\uff08\u8cc7\u91d1\u914d\u7f6e\uff09\u6bb5\u968e\u3067\u983b\u7e41\u306b\u7528\u3044\u3089\u308c\u308b\u624b\u53e3\u3067\u3042\u308b\u3002\u3053\u306e\u65b9\u6cd5\u306f\u3001\u591a\u984d\u306e\u73fe\u91d1\u3092\u7269\u7406\u7684\u306b\u56fd\u5883\u3092\u8d8a\u3048\u3066\u8f38\u9001\u3059\u308b\u3082\u306e\u3067\u3042\u308a\u3001\u591a\u304f\u306e\u5834\u5408\u3001\u898f\u5236\u306e\u7de9\u3044\u7ba1\u8f44\u533a\u57df\u306e\u6d77\u5916\u53e3\u5ea7\u306b\u9810\u3051\u5165\u308c\u305f\u308a\u3001\u8cc7\u7523\u306b\u6295\u8cc7\u3057\u305f\u308a\u3059\u308b\u305f\u3081\u306b\u884c\u308f\u308c\u308b\u3002\u3053\u306e\u3088\u3046\u306b\u73fe\u91d1\u3092\u79fb\u52d5\u3055\u305b\u308b\u3053\u3068\u3067\u3001\u72af\u7f6a\u8005\u306f\u91d1\u878d\u6a5f\u95a2\u3084\u898f\u5236\u5f53\u5c40\u306e\u76ee\u3092\u304f\u3089\u307e\u305d\u3046\u3068\u3057\u3001\u4e0d\u6b63\u8cc7\u91d1\u306e\u51fa\u6240\u306e\u8ffd\u8de1\u3092\u56f0\u96e3\u306b\u3057\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u73fe\u91d1\u306e\u5bc6\u8f38\u306f\u3001\u6c5a\u308c\u305f\u8cc7\u91d1\u304c\u5373\u5ea7\u306b\u767a\u898b\u3055\u308c\u308b\u3053\u3068\u306a\u304f\u91d1\u878d\u30b7\u30b9\u30c6\u30e0\u306b\u6d41\u5165\u3059\u308b\u3053\u3068\u3092\u53ef\u80fd\u306b\u3059\u308b\u305f\u3081\u3001\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u9632\u6b62\u306e\u53d6\u308a\u7d44\u307f\u3092\u8907\u96d1\u5316\u3055\u305b\u308b\u3002\u73fe\u91d1\u304c\u65b0\u305f\u306a\u7ba1\u8f44\u533a\u57df\u306b\u6301\u3061\u8fbc\u307e\u308c\u308b\u3068\u3001\u9280\u884c\u53e3\u5ea7\u3078\u306e\u9810\u3051\u5165\u308c\u3001\u5916\u8ca8\u3078\u306e\u4e21\u66ff\u3001\u3042\u308b\u3044\u306f\u9ad8\u4fa1\u306a\u5546\u54c1\u306e\u8cfc\u5165\u306a\u3069\u306b\u5229\u7528\u3055\u308c\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u3001\u3053\u308c\u3089\u306f\u3044\u305a\u308c\u3082\u305d\u306e\u9055\u6cd5\u306a\u51fa\u6240\u3092\u3055\u3089\u306b\u4e0d\u900f\u660e\u306b\u3059\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u73fe\u91d1\u5bc6\u8f38\u306b\u5bfe\u6297\u3059\u308b\u305f\u3081\u3001\u91d1\u878d\u6a5f\u95a2\u3068\u6cd5\u57f7\u884c\u6a5f\u95a2\u306f\u5354\u529b\u3057\u3066\u3001\u7279\u306b\u591a\u984d\u306e\u73fe\u91d1\u9810\u91d1\u3084\u9ad8\u30ea\u30b9\u30af\u7ba1\u8f44\u533a\u57df\u3078\u306e\u9001\u91d1\u3092\u4f34\u3046\u7591\u308f\u3057\u3044\u53d6\u5f15\u3092\u76e3\u8996\u3057\u3001\u5831\u544a\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u3002\u5f37\u5316\u3055\u308c\u305f\u9867\u5ba2\u7ba1\u7406\u3001\u5805\u7262\u306a\u53d6\u5f15\u30e2\u30cb\u30bf\u30ea\u30f3\u30b0\u3001\u304a\u3088\u3073\u56fd\u5883\u3092\u8d8a\u3048\u305f\u60c5\u5831\u5171\u6709\u306f\u3001\u73fe\u91d1\u5bc6\u8f38\u306b\u95a2\u9023\u3059\u308b\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u6d3b\u52d5\u3092\u7279\u5b9a\u3057\u963b\u6b62\u3059\u308b\u305f\u3081\u306e\u4e0d\u53ef\u6b20\u306a\u30c4\u30fc\u30eb\u3067\u3042\u308b\u3002\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u9632\u6b62\u4f53\u5236\u3092\u5f37\u5316\u3057\u3001\u73fe\u91d1\u306e\u52d5\u304d\u306b\u5bfe\u3059\u308b\u8b66\u6212\u3092\u7dad\u6301\u3059\u308b\u3053\u3068\u3067\u3001\u4e0d\u6b63\u8cc7\u91d1\u304c\u6b63\u5f53\u306a\u91d1\u878d\u30b7\u30b9\u30c6\u30e0\u306b\u4fb5\u5165\u3059\u308b\u30ea\u30b9\u30af\u3092\u5927\u5e45\u306b\u8efd\u6e1b\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-red-flags-at-placement\"><span class=\"ez-toc-section\" id=\"Red_flags_at_placement\"><\/span>\u5c31\u8077\u6d3b\u52d5\u306b\u304a\u3051\u308b\u30ec\u30c3\u30c9\u30d5\u30e9\u30c3\u30b0<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u591a\u984d\u307e\u305f\u306f\u53cd\u5fa9\u7684\u306a\u73fe\u91d1\u9810\u91d1\u306b\u5bfe\u3057\u3066\u660e\u78ba\u306a\u4e8b\u696d\u4e0a\u306e\u5408\u7406\u7684\u306a\u7406\u7531\u304c\u306a\u3044\u9867\u5ba2<\/li>\n\n\n\n<li>\u4f11\u7720\u53e3\u5ea7\u307e\u305f\u306f\u4f4e\u6d3b\u52d5\u53e3\u5ea7\u306b\u304a\u3051\u308b\u7a81\u7136\u306e\u591a\u984d\u306e\u73fe\u91d1\u53d6\u5f15<\/li>\n\n\n\n<li>\u7570\u306a\u308b\u652f\u5e97\u3084\u90fd\u5e02\u304b\u3089\u8907\u6570\u306e\u4eba\u304c\u540c\u3058\u53e3\u5ea7\u306b\u5165\u91d1\u3059\u308b\u3053\u3068<\/li>\n\n\n\n<li>\u9867\u5ba2\u306e\u53d6\u5f15\u3068\u4e00\u81f4\u3057\u306a\u3044\u53ce\u5165\u6e90<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u30a4\u30f3\u30d9\u30b9\u30c8\u30ac\u30e9\u30b9 <a href=\"https:\/\/www.investglass.com\/ja\/%e3%82%b3%e3%83%bc%e3%83%9d%e3%83%ac%e3%83%bc%e3%83%88%e3%83%bb%e3%83%90%e3%83%b3%e3%82%ad%e3%83%b3%e3%82%b0%e3%81%ab%e3%81%8a%e3%81%91%e3%82%8b%e3%83%87%e3%82%b8%e3%82%bf%e3%83%ab%e3%83%bb%e3%82%aa\/\" target=\"_self\">\u30c7\u30b8\u30bf\u30eb\u30fb\u30aa\u30f3\u30dc\u30fc\u30c7\u30a3\u30f3\u30b0<\/a> KYC\u30e2\u30b8\u30e5\u30fc\u30eb\u306f\u8077\u696d\u3001\u8cc7\u91d1\u6e90\u3001\u4e88\u60f3\u3055\u308c\u308b\u53e3\u5ea7\u6d3b\u52d5\u3092\u53ce\u96c6\u3057\u3001\u4e0d\u5be9\u306a\u9810\u91d1\uff08\u30d7\u30ec\u30fc\u30b9\u30e1\u30f3\u30c8\uff09\u306e\u884c\u52d5\u3092\u65e9\u671f\u306b\u691c\u77e5\u3057\u3001\u5165\u308a\u53e3\u3067\u306e\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u3092\u9632\u6b62\u3059\u308b\u306e\u306b\u5f79\u7acb\u3061\u307e\u3059\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-stage-2-layering-obscuring-the-origin-of-the-funds\"><span class=\"ez-toc-section\" id=\"Stage_2_Layering_Obscuring_the_origin_of_the_funds\"><\/span>\u30b9\u30c6\u30fc\u30b82\uff1a\u30ec\u30a4\u30e4\u30ea\u30f3\u30b0\uff08\u8cc7\u91d1\u306e\u51fa\u6240\u306e\u96a0\u853d\uff09<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u30ec\u30a4\u30e4\u30ea\u30f3\u30b0\uff08\u591a\u5c64\u5316\uff09\u306b\u306f\u3001\u8cc7\u91d1\u3092\u305d\u306e\u72af\u7f6a\u7684\u8d77\u6e90\u304b\u3089\u9060\u3056\u3051\u308b\u305f\u3081\u306b\u8a2d\u8a08\u3055\u308c\u305f\u8907\u96d1\u306a\u53d6\u5f15\u304c\u542b\u307e\u308c\u307e\u3059\u3002\u3053\u306e\u6bb5\u968e\u306f\u3001\u56fd\u5883\u3092\u8d8a\u3048\u305f\u9001\u91d1\u3001\u8907\u6570\u306e\u53e3\u5ea7\u3001\u96fb\u4fe1\u9001\u91d1\u3001\u30da\u30fc\u30d1\u30fc\u30ab\u30f3\u30d1\u30cb\u30fc\u3001\u30aa\u30eb\u30bf\u30ca\u30c6\u30a3\u30d6\u91d1\u878d\u30b7\u30b9\u30c6\u30e0\u306a\u3069\u3092\u542b\u3080\u610f\u56f3\u7684\u306a\u8907\u96d1\u3055\u3086\u3048\u306b\u3001\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u306e\u52b4\u529b\u306e60\u30d1\u30fc\u30bb\u30f3\u30c8\u304b\u308970\u30d1\u30fc\u30bb\u30f3\u30c8\u3092\u8cbb\u3084\u3059\u3053\u3068\u304c\u3088\u304f\u3042\u308a\u307e\u3059\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-common-layering-techniques\"><span class=\"ez-toc-section\" id=\"Common_layering_techniques\"><\/span>\u4e00\u822c\u7684\u306a\u91cd\u306d\u7740\u306e\u30c6\u30af\u30cb\u30c3\u30af<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u8fc5\u901f\u306a\u56fd\u5883\u3092\u8d8a\u3048\u305f\u9001\u91d1<\/strong>\u30ad\u30d7\u30ed\u30b9\u304b\u3089\u30e9\u30c8\u30d3\u30a2\u3001\u30b7\u30f3\u30ac\u30dd\u30fc\u30eb\u3078\u3068\u6570\u65e5\u9001\u91d1\u3055\u308c\u3001\u591a\u304f\u306e\u5834\u5408\u3001\u96fb\u4fe1\u9001\u91d1\u3092\u5229\u7528\u3057\u3066\u8907\u6570\u306e\u6cd5\u57df\u9593\u3092\u7d20\u65e9\u304f\u8cc7\u91d1\u79fb\u52d5\u3055\u305b\u3001\u610f\u56f3\u7684\u306b\u8ffd\u8de1\u3092\u56f0\u96e3\u306a\u76e3\u67fb\u8a3c\u8de1\u3092\u4f5c\u308a\u51fa\u3057\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u30bf\u30c3\u30af\u30b9\u30d8\u30a4\u30d6\u30f3\uff08\u79d8\u5bc6\u4fdd\u6301\u7ba1\u8f44\u533a\u57df\uff09\u306e\u30da\u30fc\u30d1\u30fc\u30ab\u30f3\u30d1\u30cb\u30fc<\/strong>\u540d\u7fa9\u4e0a\u306e\u53d6\u7de0\u5f79\u3092\u7f6e\u304f\u3001\u30a4\u30ae\u30ea\u30b9\u9818\u30f4\u30a1\u30fc\u30b8\u30f3\u8af8\u5cf6\u307e\u305f\u306f\u30d1\u30ca\u30de\u3067\u767b\u8a18\u3055\u308c\u305f\u6cd5\u4eba\u3002\u30d1\u30ca\u30de\u6587\u66f8\u306f\u3001\u4f55\u5146\u30c9\u30eb\u3082\u306e\u91d1\u878d\u53d6\u5f15\u3092\u5bb9\u6613\u306b\u3057\u3066\u3044\u308b\u305d\u306e\u3088\u3046\u306a214,000\u306e\u6cd5\u4eba\u3092\u66b4\u3044\u305f\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u8cbf\u6613\u30d9\u30fc\u30b9\u306e\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0<\/strong>: \u95a2\u9023\u3059\u308b\u6d77\u5916\u5b50\u4f1a\u793e\u9593\u3067\u51fa\u8377\u3055\u308c\u308b\u5546\u54c1\u306e\u904e\u5927\u8acb\u6c42\u307e\u305f\u306f\u904e\u5c11\u8acb\u6c42\u3002UNODC\u306f\u3001TBML\u306e\u5e74\u9593\u53d6\u5f15\u984d\u3092$240\u5104\uff5e$600\u5104\u3068\u63a8\u8a08\u3057\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u6697\u53f7\u8cc7\u7523\u306e\u5909\u63db<\/strong>: Tornado.cash\uff082022\u5e74\u306e\u5229\u7528\u7981\u6b62\u63aa\u7f6e\u304c\u884c\u308f\u308c\u308b\u524d\u306b$7\u5341\u5104\u3092\u51e6\u7406\u3057\u3066\u3044\u305f\uff09\u306e\u3088\u3046\u306a\u53d6\u5f15\u6240\u3084\u30df\u30ad\u30b5\u30fc\u3092\u901a\u3058\u3066\u8cc7\u91d1\u3092\u79fb\u52d5\u3055\u305b\u3001\u305d\u306e\u5f8c\u3001\u5225\u306e\u6cd5\u57df\u3067\u6cd5\u5b9a\u901a\u8ca8\u306b\u518d\u5909\u63db\u3059\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u67b6\u7a7a\u306e\u878d\u8cc7\u304a\u3088\u3073\u30b3\u30f3\u30b5\u30eb\u30c6\u30a3\u30f3\u30b0\u5951\u7d04<\/strong>\uff1a\u5b9f\u8cea\u7684\u306a\u30b5\u30fc\u30d3\u30b9\u63d0\u4f9b\u3092\u4f34\u308f\u306a\u3044\u95a2\u9023\u4f01\u696d\u9593\u3067\u306e\u652f\u6255\u3044\u3067\u3001\u9055\u6cd5\u306a\u51fa\u6240\u3092\u96a0\u853d\u3059\u308b\u305f\u3081\u306b\u5358\u306b\u8cc7\u91d1\u3092\u5faa\u74b0\u3055\u305b\u3066\u3044\u308b\u3082\u306e\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-red-flags-at-layering\"><span class=\"ez-toc-section\" id=\"Red_flags_at_layering\"><\/span>\u30ec\u30a4\u30e4\u30ea\u30f3\u30b0\u306b\u304a\u3051\u308b\u30ec\u30c3\u30c9\u30d5\u30e9\u30c3\u30b0<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u660e\u78ba\u306a\u4e8b\u696d\u76ee\u7684\u306e\u306a\u3044\u8907\u96d1\u306a\u53d6\u5f15\u30c1\u30a7\u30fc\u30f3<\/li>\n\n\n\n<li>\u7d66\u4e0e\u3084\u4ed5\u5165\u5148\u3078\u306e\u652f\u6255\u3044\u306e\u3088\u3046\u306a\u901a\u5e38\u306e\u5546\u53d6\u5f15\u3092\u4f34\u308f\u305a\u306b\u3001\u9280\u884c\u53e3\u5ea7\u9593\u3092\u6025\u901f\u306b\u901a\u904e\u3059\u308b\u8cc7\u91d1<\/li>\n\n\n\n<li>\u9867\u5ba2\u306e\u30d7\u30ed\u30d5\u30a1\u30a4\u30eb\u304b\u3089\u306f\u305d\u306e\u3088\u3046\u306a\u95a2\u9023\u6027\u304c\u6b63\u5f53\u5316\u3055\u308c\u306a\u3044\u306b\u3082\u304b\u304b\u308f\u3089\u305a\u3001\u9ad8\u30ea\u30b9\u30af\u7ba1\u8f44\u533a\u57df\u304c\u95a2\u4e0e\u3059\u308b\u53d6\u5f15<\/li>\n\n\n\n<li>\u793e\u5185\u30a2\u30e9\u30fc\u30c8\u306e\u95be\u5024\u3092\u308f\u305a\u304b\u306b\u4e0b\u56de\u308b\u5faa\u74b0\u9001\u91d1<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u30c0\u30f3\u30b9\u30af\u9280\u884c\u30a8\u30b9\u30c8\u30cb\u30a2\u652f\u5e97\u306e\u30b9\u30ad\u30e3\u30f3\u30c0\u30eb\uff082007\u5e74\u304b\u30892015\u5e74\uff09\u3067\u306f\u3001\u30ed\u30b7\u30a2\u3084\u30a2\u30bc\u30eb\u30d0\u30a4\u30b8\u30e3\u30f3\u306e5,000\u793e\u306e\u30da\u30fc\u30d1\u30fc\u30ab\u30f3\u30d1\u30cb\u30fc\u3092\u7d4c\u7531\u3057\u3066\u5de7\u5999\u306b\u96a0\u3055\u308c\u305f2,000\u5104\u30e6\u30fc\u30ed\u306e\u4e0d\u5be9\u306a\u975e\u5c45\u4f4f\u8005\u306b\u3088\u308b\u8cc7\u91d1\u79fb\u52d5\u304c\u660e\u308b\u307f\u306b\u51fa\u307e\u3057\u305f\u3002\u3053\u306e\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u30b9\u30ad\u30fc\u30e0\u306f\u30012017\u5e74\u306e\u5185\u90e8\u544a\u767a\u8005\u306b\u3088\u3063\u3066\u66b4\u9732\u3055\u308c\u308b\u307e\u3067\u76e3\u8996\u306e\u76ee\u3092\u9003\u308c\u3066\u3044\u307e\u3057\u305f\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u30a4\u30f3\u30d9\u30b9\u30c8\u30ac\u30e9\u30b9 <a href=\"https:\/\/www.investglass.com\/ja\/%e9%87%91%e8%9e%8d%e5%ae%89%e5%85%a8%e4%bf%9d%e9%9a%9c%e3%81%ae%e5%b0%86%e6%9d%a5%e3%82%92%e8%a6%8b%e6%8d%ae%e3%81%88%e3%81%9f%e5%8f%96%e5%bc%95%e7%9b%a3%e8%a6%96%e3%81%aeai\/\" target=\"_self\">\u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u76e3\u8996\u3068AI<\/a>-\u99c6\u52d5\u578b\u306e\u30eb\u30fc\u30eb\u306f\u3001\u5faa\u74b0\u7684\u306a\u652f\u6255\u3044\u3001\u8cc7\u91d1\u79fb\u52d5\u306e\u901f\u5ea6\u3001\u3042\u308b\u3044\u306f\u7591\u308f\u308c\u306a\u3044\u3088\u3046\u306b\u610f\u56f3\u3055\u308c\u305f\u7e70\u308a\u8fd4\u3057\u306e\u9001\u91d1\u306a\u3069\u3001\u901a\u5e38\u3068\u306f\u7570\u306a\u308b\u30d1\u30bf\u30fc\u30f3\u3092\u691c\u77e5\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"701\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-Pipeline-2024-91a66c09-1-1024x701.png\" alt=\"\u30a4\u30f3\u30d9\u30b9\u30c8\u30b0\u30e9\u30b9\u306e\u53d6\u5f15\u7ba1\u7406\" class=\"wp-image-47417\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-Pipeline-2024-91a66c09-1-1024x701.png 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-Pipeline-2024-91a66c09-1-300x205.png 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-Pipeline-2024-91a66c09-1-768x525.png 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-Pipeline-2024-91a66c09-1-1536x1051.png 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-Pipeline-2024-91a66c09-1.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">\u30a4\u30f3\u30d9\u30b9\u30c8\u30b0\u30e9\u30b9\u306e\u53d6\u5f15\u7ba1\u7406<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-stage-3-integration-funds-return-as-apparently-legitimate-wealth\"><span class=\"ez-toc-section\" id=\"Stage_3_Integration_Funds_return_as_apparently_legitimate_wealth\"><\/span>\u30b9\u30c6\u30fc\u30b83\uff1a\u7d71\u5408\uff08\u30a4\u30f3\u30c6\u30b0\u30ec\u30fc\u30b7\u30e7\u30f3\uff09\uff1a\u8cc7\u91d1\u304c\u8868\u5411\u304d\u306f\u6b63\u5f53\u306a\u5bcc\u3068\u3057\u3066\u623b\u3063\u3066\u304f\u308b<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u7d71\u5408\u6bb5\u968e\u306f\u3001\u6d17\u6d44\u3055\u308c\u305f\u8cc7\u91d1\u304c\u7591\u3044\u3092\u62db\u304f\u3053\u3068\u306a\u304f\u4f7f\u9014\u3001\u6295\u8cc7\u3001\u3042\u308b\u3044\u306f\u9ad8\u7d1a\u8cc7\u7523\u3068\u3057\u3066\u306e\u4fdd\u6709\u304c\u3067\u304d\u308b\u3088\u3046\u3001\u5408\u6cd5\u7684\u306a\u91d1\u878d\u30b7\u30b9\u30c6\u30e0\u306b\u518d\u5c0e\u5165\u3055\u308c\u308b\u6700\u7d42\u6bb5\u968e\u3067\u3059\u3002\u3053\u306e\u6642\u70b9\u306b\u304a\u3044\u3066\u3001\u8cc7\u91d1\u306f\u3057\u3070\u3057\u3070\u4e8b\u696d\u5229\u76ca\u3001\u56de\u53ce\u3055\u308c\u305f\u8cb8\u4ed8\u91d1\u306e\u8fd4\u6e08\u3001\u6295\u8cc7\u30ea\u30bf\u30fc\u30f3\u3001\u914d\u5f53\u91d1\u306e\u53d7\u9818\u3001\u307e\u305f\u306f\u30ad\u30e3\u30d4\u30bf\u30eb\u30b2\u30a4\u30f3\u306e\u3088\u3046\u306b\u898b\u305b\u304b\u3051\u3089\u308c\u3001\u305d\u306e\u4e0d\u6cd5\u306a\u51fa\u6240\u3092\u3055\u3089\u306b\u96a0\u853d\u3059\u308b\u305f\u3081\u306b\u30da\u30fc\u30d1\u30fc\u30ab\u30f3\u30d1\u30cb\u30fc\u3092\u901a\u3058\u3066\u9001\u91d1\u3055\u308c\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-common-integration-strategies\"><span class=\"ez-toc-section\" id=\"Common_integration_strategies\"><\/span>\u4e00\u822c\u7684\u306a\u7d71\u5408\u6226\u7565<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e0d\u52d5\u7523\u6295\u8cc7<\/strong>\u30ed\u30f3\u30c9\u30f3\u3001\u30d1\u30ea\u3001\u30c1\u30e5\u30fc\u30ea\u30c3\u30d2\u3001\u30c9\u30d0\u30a4\u306a\u3069\u306e\u5e02\u5834\u3067\u306e\u4e0d\u52d5\u7523\u8cfc\u5165\u3002\u82f1\u56fd\u306e\u30b4\u30fc\u30eb\u30c7\u30f3\u30d3\u30b6\u5236\u5ea6\u306f\u30012023\u5e74\u306e\u53d6\u308a\u7de0\u307e\u308a\u524d\u306b\u3001\u63a8\u5b9a10\u5104\u304b\u308940\u5104\u30dd\u30f3\u30c9\u3092\u8cc7\u91d1\u6d17\u6d44\u3057\u305f\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u5408\u6cd5\u7684\u306a\u4e8b\u696d\u306e\u8cb7\u53ce<\/strong>\u30db\u30c6\u30eb\u3001\u7269\u6d41\u4f1a\u793e\u3001\u5efa\u8a2d\u4f1a\u793e\u306a\u3069\u3001\u4e0d\u6b63\u306a\u8cc7\u91d1\u304c\u6b63\u5f53\u306a\u58f2\u4e0a\u306b\u7d1b\u308c\u8fbc\u3080\u4f01\u696d\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u9ad8\u7d1a\u8cc7\u7523<\/strong>\u30e8\u30c3\u30c8\u3001\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u30b8\u30a7\u30c3\u30c8\u3001\u7f8e\u8853\u54c1\u306f\u3001\u4f55\u5e74\u3082\u4fdd\u6709\u3055\u308c\u305f\u308a\u8ee2\u58f2\u3055\u308c\u305f\u308a\u3059\u308b\u305f\u3081\u3001\u8ffd\u8de1\u304c\u307b\u307c\u4e0d\u53ef\u80fd\u306b\u306a\u308a\u307e\u3059\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u8a3c\u5238\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa<\/strong>\u4e0d\u6cd5\u306a\u8cc7\u91d1\u304c\u6295\u8cc7\u8cc7\u672c\u3068\u3057\u3066\u5165\u308a\u8fbc\u307f\u3001\u5408\u6cd5\u7684\u306b\u898b\u3048\u308b\u914d\u5f53\u3084\u30ad\u30e3\u30d4\u30bf\u30eb\u30b2\u30a4\u30f3\u3068\u3057\u3066\u8868\u9762\u5316\u3059\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u7d66\u4e0e\u4f53\u7cfb<\/strong>\u5e7d\u970a\u5f93\u696d\u54e1\u306b\u7d66\u4e0e\u3092\u652f\u6255\u3044\u3001\u7a0e\u91d1\u3084\u793e\u4f1a\u4fdd\u967a\u6599\u3082\u5b8c\u7d0d\u3057\u3066\u3001\u5408\u6cd5\u7684\u306a\u5916\u898b\u3092\u4f5c\u308a\u51fa\u3059\u3053\u3068\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-red-flags-at-integration\"><span class=\"ez-toc-section\" id=\"Red_flags_at_integration\"><\/span>\u7d71\u5408\u306b\u304a\u3051\u308b\u30ec\u30c3\u30c9\u30d5\u30e9\u30c3\u30b0<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u660e\u78ba\u306a\u8cc7\u91d1\u6e90\u304c\u306a\u3044\u307e\u307e\u9ad8\u984d\u8cc7\u7523\u3092\u53d6\u5f97\u3057\u3066\u3044\u308b\u3001\u7533\u544a\u6240\u5f97\u304c\u63a7\u3048\u3081\u306a\u9867\u5ba2<\/li>\n\n\n\n<li>\u4e0d\u52d5\u7523\u8cfc\u5165\u3084\u4e8b\u696d\u6295\u8cc7\u306e\u80cc\u5f8c\u306b\u3042\u308b\u8907\u96d1\u306a\u6240\u6709\u69cb\u9020<\/li>\n\n\n\n<li>\u901a\u5e38\u306e\u30d3\u30b8\u30cd\u30b9\u30d1\u30bf\u30fc\u30f3\u306b\u5408\u81f4\u3057\u306a\u3044\u3001\u983b\u7e41\u306a\u65e9\u671f\u30ed\u30fc\u30f3\u8fd4\u6e08<\/li>\n\n\n\n<li>KYC\u30c7\u30fc\u30bf\u304a\u3088\u3073\u7533\u544a\u3055\u308c\u305f\u8cc7\u7523\u5f62\u6210\u306e\u6e90\u6cc9\u3068\u4e00\u81f4\u3057\u306a\u3044\u8cc7\u7523<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass\u306e\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u7ba1\u7406\u3068\u9867\u5ba2\u8cc7\u7523\u6982\u8981\u306e\u30d8\u30eb\u30d7 <a href=\"https:\/\/www.investglass.com\/ja\/%e5%8a%b9%e6%9e%9c%e7%9a%84%e3%81%aa%e3%83%aa%e3%83%ac%e3%83%bc%e3%82%b7%e3%83%a7%e3%83%b3%e3%82%b7%e3%83%83%e3%83%97%e3%83%bb%e3%83%9e%e3%83%8d%e3%82%b8%e3%83%a1%e3%83%b3%e3%83%88%e3%81%ae%e3%81%9f\/\" target=\"_self\">\u30ea\u30ec\u30fc\u30b7\u30e7\u30f3\u30b7\u30c3\u30d7\u30fb\u30de\u30cd\u30fc\u30b8\u30e3\u30fc<\/a> \u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u62c5\u5f53\u8005\u306f\u3001\u7533\u544a\u3055\u308c\u305f\u8cc7\u7523\u3068\u53d6\u5f15\u884c\u52d5\u304cKYC\u8a18\u9332\u3068\u4e00\u81f4\u3057\u3066\u3044\u308b\u304b\u3092\u76f8\u4e92\u78ba\u8a8d\u3057\u307e\u3059\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-common-money-laundering-techniques-mapped-to-the-three-stages\"><span class=\"ez-toc-section\" id=\"Common_money_laundering_techniques_mapped_to_the_three_stages\"><\/span>3\u3064\u306e\u6bb5\u968e\u306b\u5206\u985e\u3055\u308c\u308b\u4e00\u822c\u7684\u306a\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u306e\u624b\u6cd5<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u591a\u304f\u306e\u624b\u6cd5\u304c\u8907\u6570\u306e\u6bb5\u968e\u306b\u307e\u305f\u304c\u3063\u3066\u3044\u307e\u3059\u304c\u3001\u305d\u308c\u305e\u308c\u306b\u4e3b\u8981\u306a\u8981\u7d20\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>\u30c6\u30af\u30cb\u30c3\u30af<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u30d7\u30e9\u30a4\u30de\u30ea\u30fc\u30b9\u30c6\u30fc\u30b8<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>Key Indicator<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Cash smuggling across borders<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u914d\u7f6e<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Large cash movements avoiding customs declaration threshold<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Shell and front companies<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Layering\/Integration<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Companies controlled by nominees with no real operations<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Trade-based money laundering<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>All three<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Invoice discrepancies between related parties<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Cryptocurrency mixers<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u30ec\u30a4\u30e4\u30ea\u30f3\u30b0<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Funds routed through mixing services before fiat conversion<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Real estate transactions<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u7d71\u5408<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Property purchases inconsistent with declared income<\/p><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Focused transaction monitoring rules within InvestGlass can be aligned to specific technique-stage combinations. For example, rules can flag unusual trade patterns, high-risk merchant category codes, or suspicious crypto exposure across SWIFT transfers, <a href=\"https:\/\/www.investglass.com\/ja\/%e3%82%bb%e3%83%91%e7%a7%bb%e7%b1%8d%e3%81%ae%e4%bb%95%e7%b5%84%e3%81%bf\/\" target=\"_self\">SEPA payments<\/a>, and virtual asset service providers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-regulatory-expectations-and-aml-controls-across-the-three-stages\"><span class=\"ez-toc-section\" id=\"Regulatory_expectations_and_AML_controls_across_the_three_stages\"><\/span>3\u3064\u306e\u6bb5\u968e\u306b\u304a\u3051\u308b\u898f\u5236\u5f53\u5c40\u306e\u671f\u5f85\u3068AML\u614b\u52e2<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Effective anti money laundering programmes must combine customer due diligence, ongoing monitoring, and reporting obligations aligned to all three stages of money laundering.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Key regulatory frameworks include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FATF Recommendations<\/strong>: Define customer due diligence, <a href=\"https:\/\/www.investglass.com\/ja\/%e5%8f%97%e7%9b%8a%e6%a8%a9%e6%83%85%e5%a0%b1%e3%81%a8%e3%81%af\/\" target=\"_self\">\u53d7\u76ca\u6a29<\/a> transparency, and suspicious transactions reporting<\/li>\n\n\n\n<li><strong>EU AML Directives<\/strong>: Require enhanced due diligence for politically exposed persons and high-risk customers<\/li>\n\n\n\n<li><strong>Swiss FINMA guidance<\/strong>: Mandates risk-based controls for Swiss financial institutions<\/li>\n\n\n\n<li><strong>UK Money Laundering Regulations 2017<\/strong>: Updated in 2020 and 2022 with expanded requirements<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A designated compliance officer is responsible for ensuring adherence to these AML regulations, reviewing AML strategies, and maintaining ongoing regulatory compliance within the organisation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-controls-by-stage\"><span class=\"ez-toc-section\" id=\"Controls_by_stage\"><\/span>\u30b9\u30c6\u30fc\u30b8\u3054\u3068\u306e\u64cd\u4f5c<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>\u30b9\u30c6\u30fc\u30b8<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>Key Controls<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u914d\u7f6e<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Customer onboarding, source of funds checks, cash activity monitoring, AML reporting threshold compliance<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u30ec\u30a4\u30e4\u30ea\u30f3\u30b0<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Transaction monitoring rules, sanctions screening, network detection for organised crime patterns<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u7d71\u5408<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Ongoing due diligence, periodic KYC reviews, wealth event analysis, scrutiny of real estate transactions<\/p><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass acts as a sovereign RegTech platform where institutions can centralise KYC records, risk scores, workflow approvals, and alert investigations inside Swiss or on-premise infrastructure, supporting compliance with proliferation financing and terrorism financing requirements.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-investglass-supports-institutions-through-all-three-stages\"><span class=\"ez-toc-section\" id=\"How_InvestGlass_supports_institutions_through_all_three_stages\"><\/span>InvestGlass\u304c3\u3064\u306e\u30b9\u30c6\u30fc\u30b8\u3059\u3079\u3066\u306b\u304a\u3044\u3066\u6a5f\u95a2\u6295\u8cc7\u5bb6\u3092\u30b5\u30dd\u30fc\u30c8\u3059\u308b\u65b9\u6cd5<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass provides integrated capabilities aligned to each money laundering stage:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Placement detection<\/strong>: Digital onboarding and KYC forms collect structured data on source of wealth, occupations, and expected activity. This helps identify suspicious patterns before illicit funds fully enter the financial system.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Layering monitoring<\/strong>: CRM and transaction monitoring capabilities enable teams to configure rules for layering behaviour, including rapid fund movements, unusual counterparties, and cross-border flows involving foreign bank accounts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Integration oversight<\/strong>: Portfolio management and client-wealth views allow compliance staff to verify that declared wealth matches transactional behaviour, flagging integration attempts involving luxury assets or unexplained business ventures.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Case management<\/strong>: Workflow automation features help compliance officers review alerts, document investigations, and file suspicious activity reports efficiently, maintaining a complete audit trail.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u30b9\u30a4\u30b9\u306e\u30c7\u30fc\u30bf\u4e3b\u6a29<\/strong>: Data stored in Switzerland or on-premise avoids dependence on American or Chinese cloud providers, helping clients protect the sovereignty of their own client data while meeting regulatory requirements across jurisdictions.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/04\/InvestGlass-Transaction-Audit-Trail-1024x576.jpg\" alt=\"InvestGlass \u53d6\u5f15\u76e3\u67fb\u8a3c\u8de1\" class=\"wp-image-49515\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/04\/InvestGlass-Transaction-Audit-Trail-1024x576.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/04\/InvestGlass-Transaction-Audit-Trail-300x169.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/04\/InvestGlass-Transaction-Audit-Trail-768x432.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/04\/InvestGlass-Transaction-Audit-Trail-18x10.jpg 18w, https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/04\/InvestGlass-Transaction-Audit-Trail.jpg 1521w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">InvestGlass \u53d6\u5f15\u76e3\u67fb\u8a3c\u8de1<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-practical-strategies-for-financial-institutions-to-combat-the-three-stages\"><span class=\"ez-toc-section\" id=\"Practical_strategies_for_financial_institutions_to_combat_the_three_stages\"><\/span>\u91d1\u878d\u6a5f\u95a2\u304c3\u3064\u306e\u6bb5\u968e\u306b\u5bfe\u51e6\u3059\u308b\u305f\u3081\u306e\u5b9f\u8df5\u7684\u306a\u6226\u7565<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Senior managers and MLROs can use this framework to strengthen controls:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Conduct documented risk assessments<\/strong> that explicitly map products, services, geographies, and customer types to money laundering risks at each stage<\/li>\n\n\n\n<li><strong>Implement risk-based KYC<\/strong> with enhanced due diligence for high-risk clients, complex ownership structures, offshore companies, and politically exposed persons<\/li>\n\n\n\n<li><strong>\u30c7\u30d7\u30ed\u30a4 <\/strong><a href=\"https:\/\/www.investglass.com\/ja\/%e5%8a%b9%e6%9e%9c%e7%9a%84%e3%81%aa%e3%82%a2%e3%83%a0%e3%83%bc%e3%83%ab%e5%8f%96%e5%bc%95%e3%83%a2%e3%83%8b%e3%82%bf%e3%83%aa%e3%83%b3%e3%82%b0%e3%81%ae%e3%81%9f%e3%82%81%e3%81%ae%e3%83%88%e3%83%83\/\" target=\"_self\"><strong>automated transaction monitoring<\/strong><\/a> aligned to institutional risk appetite, with clear escalation paths for suspicious transactions and complete audit trails<\/li>\n\n\n\n<li><strong>Develop staff training programmes<\/strong> with modules on the three stages, incorporating real case studies like Danske Bank and the Paradise Papers<\/li>\n\n\n\n<li><strong>Centralise policies and procedures<\/strong> so teams can access up-to-date controls alongside client records, reducing the risk of money laundering activities going undetected<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass can centralise compliance documentation, training materials, and control frameworks within the CRM, ensuring consistent application across all customer transactions and reducing reputational risks.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-mitigating-money-laundering-risks\"><span class=\"ez-toc-section\" id=\"Mitigating_money_laundering_risks\"><\/span>\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u30ea\u30b9\u30af\u306e\u8efd\u6e1b<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Mitigating money laundering risks is a fundamental responsibility for financial institutions and businesses seeking to protect the integrity of the financial system. The money laundering process, which unfolds across the three stages of placement, layering, and integration, presents multiple opportunities for illicit funds to enter and circulate within the legitimate economy. To prevent money laundering and reduce exposure to financial crime, organisations must adopt a comprehensive anti money laundering (AML) framework that addresses each stage of money laundering.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A robust AML programme begins with thorough customer due diligence, ensuring that the origins of funds and the nature of client relationships are clearly understood from the outset. Financial institutions should implement effective know-your-customer (KYC) procedures, verifying identities, assessing the legitimacy of sources of wealth, and establishing expected patterns of customer transactions. This vigilance is particularly important during the placement stage, where dirty money is most likely to be introduced into the financial system.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ongoing monitoring of customer transactions is essential to identify suspicious patterns that may indicate potential money laundering. Automated systems can help detect complex transactions, unusual flows of funds, or activity involving high risk jurisdictions. When suspicious transactions are identified, they must be reported promptly to the relevant authorities, such as the Financial Crimes Enforcement Network, in accordance with regulatory requirements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Regular staff training is another critical element in mitigating money laundering risks. Employees should be equipped to recognise the red flags associated with each stage of money laundering, from large cash deposits to intricate layering schemes and unexplained integration of wealth. Periodic audits and reviews of AML controls help ensure that policies remain effective and adapt to emerging threats.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Businesses should also be mindful of the specific risks associated with certain transaction types, such as cash-intensive operations or dealings with offshore companies. By maintaining accurate records, conducting enhanced due diligence for higher-risk clients, and staying informed about the latest regulatory developments, organisations can strengthen their defences against money launderers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ultimately, preventing money laundering requires a proactive and dynamic approach. By understanding the three stages of money laundering, implementing robust AML measures, and fostering a culture of compliance, financial institutions and businesses can help safeguard the legitimate financial system from the infiltration of illicit funds.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-real-world-examples-and-lessons-from-major-cases\"><span class=\"ez-toc-section\" id=\"Real-world_examples_and_lessons_from_major_cases\"><\/span>\u4e3b\u8981\u306a\u4e8b\u4f8b\u304b\u3089\u5b66\u3076\u73fe\u5b9f\u4e16\u754c\u306e\u4f8b\u3068\u6559\u8a13<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Public enforcement cases illustrate how the three stages operate at scale and where controls failed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Danske Bank Estonia (2007-2015)<\/strong>: \u20ac200 billion in suspicious non-resident flows revealed systematic weaknesses in KYC at placement, inadequate transaction monitoring during layering, and acceptance of unexplained wealth at integration. The scandal resulted in \u20ac4 billion in fines and demonstrated how combating money laundering requires end-to-end controls.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Panama Papers (2016)<\/strong>: The leak of 11.5 million documents from Mossack Fonseca revealed extensive use of offshore shell companies for layering criminal proceeds. Professional money launderers exploited opacity in secrecy jurisdictions to help clients integrate illicit money as apparently legitimate business profits.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-key-lessons\"><span class=\"ez-toc-section\" id=\"Key_lessons\"><\/span>\u4e3b\u8981\u306a\u6559\u8a13<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Insufficient verification of beneficial ownership enables placement of illegal activities proceeds<\/li>\n\n\n\n<li>Lack of effective monitoring allows complex layering flows to pass undetected<\/li>\n\n\n\n<li>Acceptance of unexplained wealth permits successful integration<\/li>\n\n\n\n<li>Integrated RegTech solutions like InvestGlass can close gaps across all three stages<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-summary-and-key-takeaways-on-the-stages-of-money-laundering\"><span class=\"ez-toc-section\" id=\"Summary_and_key_takeaways_on_the_stages_of_money_laundering\"><\/span>\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u306e\u6bb5\u968e\u306b\u95a2\u3059\u308b\u6982\u8981\u3068\u4e3b\u8981\u306a\u30dd\u30a4\u30f3\u30c8<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The three stages of money laundering, placement, layering, and integration, remain the foundational framework for understanding and combating money laundering. Each stage presents distinct opportunities for detection and distinct challenges for compliance teams.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e3b\u306a\u30dd\u30a4\u30f3\u30c8\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Placement offers the best chance for early detection through cash monitoring and source of funds verification<\/li>\n\n\n\n<li>Layering exploits complexity, cross-border flows, and opaque structures, requiring sophisticated transaction monitoring<\/li>\n\n\n\n<li>Integration is harder to spot without strong KYC and holistic client views that compare declared wealth against actual behaviour<\/li>\n\n\n\n<li>End-to-end AML programmes must tie together onboarding, monitoring, and reporting across all stages<\/li>\n\n\n\n<li>Financial institutions must pay expenses on robust compliance infrastructure to prevent terrorist financing and financial crime<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass provides a Swiss sovereign alternative for institutions seeking to enhance AML controls while maintaining full data control. By avoiding reliance on American or Chinese infrastructure, organisations protect the sovereignty of their client data while meeting regulatory expectations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Compliance officers, CROs, and COOs should review their current controls against the three-stage framework and evaluate whether an integrated CRM and AML workflow platform could address identified gaps. Effective prevention of money laundering starts with understanding these stages and mapping controls to each one.<\/p>","protected":false},"excerpt":{"rendered":"<p>Money laundering typically follows three stages: placement, layering, and integration. Money laundering is a criminal activity involving the processing of illicitly obtained funds, with the aim of concealing their illegal origins and integrating them into the legitimate financial system. This three stage process allows criminals to transform illicitly obtained dirty money into funds that appear to come from legitimate sources. According to the United Nations Office on Drugs and Crime, money laundering represents 2 to 5 percent of global GDP, equating to roughly $800 billion to $2 trillion annually. For banks, wealth managers, insurers, and other financial institutions, understanding these money laundering stages is essential to building effective controls that [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":49678,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[1531,1564],"class_list":["post-49677","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-money-laundering","tag-placement"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.3 (Yoast SEO v28.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Stages of Money Laundering: Understanding Placement<\/title>\n<meta name=\"description\" content=\"Explore the stages of money laundering: placement, layering and integration, to understand how illicit funds are concealed.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.investglass.com\/ja\/stages-of-money-laundering-placement-layering-integration\/\" \/>\n<meta property=\"og:locale\" content=\"ja_JP\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Do Criminals Use Placement, Layering, and Integration to Launder Money?\" \/>\n<meta property=\"og:description\" content=\"Money laundering typically follows three stages: placement, layering, and\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.investglass.com\/ja\/stages-of-money-laundering-placement-layering-integration\/\" \/>\n<meta property=\"og:site_name\" content=\"InvestGlass\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-07T14:48:39+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-15T08:58:33+00:00\" \/>\n<meta property=\"og:image\" 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