{"id":49262,"date":"2026-05-31T11:03:24","date_gmt":"2026-05-31T09:03:24","guid":{"rendered":"https:\/\/www.investglass.com\/?p=49262"},"modified":"2026-05-27T11:10:24","modified_gmt":"2026-05-27T09:10:24","slug":"%ea%b3%a0%ea%b0%9d-%ec%83%9d%ec%95%a0%ec%a3%bc%ea%b8%b0-%ea%b4%80%eb%a6%acclm%eb%8a%94-%ed%94%84%eb%9d%bc%ec%9d%b4%eb%b9%97-%eb%b1%85%ed%82%b9pb-%ec%84%9c%eb%b9%84%ec%8a%a4%eb%a5%bc-%ec%96%b4","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/ko\/how-does-client-lifecycle-management-improve-private-banking-services\/","title":{"rendered":"\ud074\ub77c\uc774\uc5b8\ud2b8 \ub77c\uc774\ud504\uc0ac\uc774\ud074 \uad00\ub9ac(CLM)\ub294 \uc5b4\ub5bb\uac8c \ud504\ub77c\uc774\ube57 \ubc45\ud0b9 \uc11c\ube44\uc2a4\ub97c \ud5a5\uc0c1\uc2dc\ud0a4\ub294\uac00?"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ko\/%ea%b3%a0%ea%b0%9d-%eb%9d%bc%ec%9d%b4%ed%94%84%ec%82%ac%ec%9d%b4%ed%81%b4-%ea%b4%80%eb%a6%ac-%eb%b1%85%ed%82%b9-%ea%b6%81%ea%b7%b9%ec%9d%98-%ea%b0%80%ec%9d%b4%eb%93%9c\/\" target=\"_self\">\uace0\uac1d \uc218\uba85\uc8fc\uae30 \uad00\ub9ac<\/a> (CLM)\uc740 \ucd08\uae30 \uc601\uc5c5\ubd80\ud130 \uccb4\uacc4\uc801\uc778 \uacc4\uc57d \uc885\ub8cc\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 \uace0\uc561 \uc790\uc0b0\uac00 \ubc0f \ucd08\uace0\uc561 \uc790\uc0b0\uac00 \uace0\uac1d\uacfc\uc758 \uad00\uacc4\ub97c \uc885\ud569\uc801\uc73c\ub85c \ucd1d\uad04\ud558\ub294 \uac83\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \uc720\ub7fd\uacfc \uc2a4\uc704\uc2a4\uc5d0\uc11c \ud65c\ub3d9\ud558\ub294 \ud504\ub77c\uc774\ube57 \ubc45\ud06c\uc5d0\uac8c CLM\uc740 \ubc31\uc624\ud53c\uc2a4 \ud589\uc815 \uc5c5\ubb34\uc5d0\uc11c \uc218\uc775 \uc131\uc7a5, \uaddc\uc81c \uc900\uc218 \uc9c0\uc704, \uace0\uac1d \ub9cc\uc871\ub3c4\uc5d0 \uc9c1\uc811\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \uc804\ub7b5\uc801 \uc5ed\ub7c9\uc73c\ub85c \ubc1c\uc804\ud574 \uc654\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774 \uae30\uc0ac\ub294 \uc624\ub298\ub0a0 \ud504\ub77c\uc774\ube57 \ubc45\ud06c\uc5d0 CLM\uc774 \uc758\ubbf8\ud558\ub294 \ubc14, 2024\ub144\uc5d0 \uc774\uac83\uc774 \uc911\uc694\ud55c \uc774\uc720, \uadf8\ub9ac\uace0 InvestGlass\uc640 \uac19\uc740 \uae30\uc220\uc774 \uc804\uccb4 \uace0\uac1d \ub77c\uc774\ud504\uc0ac\uc774\ud074\uc744 \uc9c0\uc6d0\ud558\ub294 \ubc29\uc2dd\uc744 \uac80\ud1a0\ud569\ub2c8\ub2e4. \uc6b0\ub9ac\ub294 \uace0\uac1d \uc5ec\uc815\uc758 \uac01 \ub2e8\uacc4\ub97c \ud0d0\uad6c\ud569\ub2c8\ub2e4. <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ko\/%ea%b8%b0%ec%97%85-%eb%b1%85%ed%82%b9-%eb%aa%a8%eb%b2%94-%ec%82%ac%eb%a1%80-%eb%b0%8f-%ec%a3%bc%ec%9a%94-%ec%a0%84%eb%9e%b5%ec%9d%84-%ec%9c%84%ed%95%9c-%eb%94%94%ec%a7%80%ed%84%b8-%ec%98%a8%eb%b3%b4\/\" target=\"_self\">\ub514\uc9c0\ud138 \uc628\ubcf4\ub529<\/a> \uadf8\ub9ac\uace0 \uacc4\uc88c \uac1c\uc124\ubd80\ud130 \uc9c0\uc18d\uc801\uc778 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad00\ub9ac, \uc815\uae30\uc801\uc778 \uac80\ud1a0, \uadf8\ub9ac\uace0 \ucd5c\uc885\uc801\uc778 \uac70\ub798 \uc885\ub8cc(\uc624\ud504\ubcf4\ub529)\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc720\ub7fd \ubc0f \uc2a4\uc704\uc2a4\uc758 \uc0ac\ub9bd \uc740\ud589\ub4e4\uc740 \ub9c8\uc9c4 \uc555\ubc15\uc744 \ube44\ub86f\ud55c \uc2ec\uac01\ud55c \uc555\ubc15\uc5d0 \uc9c1\uba74\ud574 \uc788\uc73c\uba70, 2023\ub144\uae4c\uc9c0 \uc2a4\uc704\uc2a4\uc758 \uc21c\uc774\uc790\ub9c8\uc9c4\uc740 1% \uc544\ub798\ub85c \ub5a8\uc5b4\uc9c8 \uc804\ub9dd\uc785\ub2c8\ub2e4. FINMA \ud68c\ub78c, MiFID II \uc801\ud569\uc131 \uc694\uac74, 100\uac1c \uc774\uc0c1\uc758 \uad00\ud560 \uad6c\uc5ed\uc5d0 \uac78\uce5c CRS(\uc138\uc6d0\uc815\ubcf4\uc790\ub3d9\uad50\ud658) \ubc0f FATCA \uc900\uc218 \uc758\ubb34 \ub4f1\uc744 \ud1b5\ud574 \uaddc\uc81c \ub2f9\uad6d\uc758 \uac10\uc2dc\uac00 \uacc4\uc18d\ud574\uc11c \uac15\ud654\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud55c\ud3b8, \ucd5c\uadfc \ub51c\ub85c\uc774\ud2b8(Deloitte) \uc124\ubb38\uc870\uc0ac\uc5d0 \ub530\ub974\uba74, \ud604\uc7ac 72%\uc758 \uace0\uc790\uc0b0\uac00(HNWIs)\uac00 \ubaa8\ubc14\uc77c \uc6b0\uc120 \uac00\uc785 \uc808\ucc28\ub97c \uc694\uad6c\ud558\uace0 \uc788\uc73c\ub098, \uc5ec\uc804\ud788 \uace0\ub3c4\ub85c \uac1c\uc778\ud654\ub41c \uc11c\ube44\uc2a4 \uc81c\uacf5\uc744 \uae30\ub300\ud558\uace0 \uc788\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass\ub294 \uc2a4\uc704\uc2a4 <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ko\/%ec%86%8c%eb%b2%84%eb%a6%b0%ec%9d%98-%ec%9d%98%eb%af%b8\/\" target=\"_self\">\uc8fc\uad8c\uc790<\/a> \uc778\ubca0\uc2a4\ud2b8\uae00\ub798\uc2a4(InvestGlass)\ub294 \ubbf8\uad6d \ubc0f \uc911\uad6d \uc2dc\uc2a4\ud15c\uc758 \uc720\ub7fd\uc0b0 \ub300\uc548\uc73c\ub85c \uba85\uc2dc\uc801\uc73c\ub85c \uc124\uacc4\ub41c CRM \ubc0f \uc790\ub3d9\ud654 \ud50c\ub7ab\ud3fc\uc785\ub2c8\ub2e4. \uc2a4\uc704\uc2a4 \ub370\uc774\ud130 \uc13c\ud130 \ub610\ub294 \uc628\ud504\ub808\ubbf8\uc2a4\uc5d0 \ub370\uc774\ud130\ub97c \ud638\uc2a4\ud305\ud568\uc73c\ub85c\uc368, \uc778\ubca0\uc2a4\ud2b8\uae00\ub798\uc2a4\ub294 \uc740\ud589\uacfc \uace0\uac1d\uc758 \ub370\uc774\ud130 \uc8fc\uad8c\uc744 \ubcf4\ud638\ud558\uace0 \uc678\uad6d \uc785\ubc95\uacfc \uad00\ub828\ub41c \uc5ed\uc678 \uad00\ud560\uad8c\uc758 \uc704\ud5d8\uc73c\ub85c\ubd80\ud130 \ubbfc\uac10\ud55c \uc815\ubcf4\ub97c \uc548\uc804\ud558\uac8c \ubcf4\ud638\ud569\ub2c8\ub2e4.<\/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\/03\/investglass-crm-global-1024x576.png\" alt=\"InvestGlass \uc2a4\uc704\uc2a4 \uc8fc\uad8c CRM\" class=\"wp-image-49341\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/03\/investglass-crm-global-1024x576.png 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/03\/investglass-crm-global-300x169.png 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/03\/investglass-crm-global-768x432.png 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/03\/investglass-crm-global-18x10.png 18w, https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/03\/investglass-crm-global.png 1384w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">InvestGlass \uc2a4\uc704\uc2a4 \uc8fc\uad8c CRM<\/figcaption><\/figure>\n\n\n\n<h2 id=\"h-why-client-lifecycle-management-matters-in-modern-private-banking\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Client_Lifecycle_Management_Matters_in_Modern_Private_Banking\"><\/span>\ud604\u4ee3 \ud504\ub77c\uc774\ube57 \ubc45\ud0b9\uc5d0\uc11c \ud074\ub77c\uc774\uc5b8\ud2b8 \ub77c\uc774\ud504\uc0ac\uc774\ud074 \ub9c8\uc774\ub2dd\uc774 \uc911\uc694\ud55c \uc774\uc720<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ud6a8\uacfc\uc801\uc778 \uace0\uac1d \ub77c\uc774\ud504\uc0ac\uc774\ud074 \uad00\ub9ac\ub294 \uc2e0\uaddc \uace0\uac1d \uc720\uce58 \uac00\uc18d\ud654, \uc790\ub3d9\ud654\ub97c \ud1b5\ud55c \ube44\uc6a9 \ud1b5\uc81c, \uadf8\ub9ac\uace0 \ucca0\uc800\ud55c \uaddc\uc81c \uc900\uc218\ub97c \ud1b5\ud574 \ub9e4\ucd9c \uc131\uc7a5\uc73c\ub85c \uc9c1\uacb0\ub429\ub2c8\ub2e4. \uace0\uac1d \uc628\ubcf4\ub529 \uae30\uac04\uc744 \uc5c5\uacc4 \ud3c9\uade0\uc778 40~60\uc77c\uc5d0\uc11c 10\uc77c \ubbf8\ub9cc\uc73c\ub85c \ub2e8\ucd95\ud55c \ud504\ub77c\uc774\ube57 \ubc45\ud06c\ub294 \uc5f0\uac04 \uc2e0\uaddc \uace0\uac1d \uc6b4\uc6a9 \uc790\uc0b0\uc744 15~20%\uae4c\uc9c0 \ub298\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc790\ub3d9\ud654\ub97c \ud1b5\ud574 \uc218\uc791\uc5c5\uc73c\ub85c \uc218\ud589\ub418\ub358 KYC \uc5c5\ubb34\ub97c \ucd5c\ub300 70%\uae4c\uc9c0 \ub300\ud3ed \uc904\uc77c \uc218 \uc788\uc744 \ubfd0\ub9cc \uc544\ub2c8\ub77c, 2022\ub144 \uc2a4\uc704\uc2a4 \uc740\ud589\ub4e4\uc774 \uc790\uae08\uc138\ud0c1\ubc29\uc9c0(AML) \uaddc\uc815 \ubbf8\uc900\uc218\ub9cc\uc73c\ub85c 1\uc5b5 \uc2a4\uc704\uc2a4 \ud504\ub791 \uc774\uc0c1\uc758 \ubc8c\uae08\uc744 \ubd80\uacfc\ubc1b\uc740 \uac83\uacfc \uac19\uc740 \uaddc\uc815 \uc704\ubc18 \uc0ac\uace0\ub97c \ubc29\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ubd84\uc0b0\ub41c \uc2dc\uc2a4\ud15c\uc740 \uc0c1\ub2f9\ud55c \uc6b4\uc601 \ub9ac\uc2a4\ud06c\ub97c \ucd08\ub798\ud569\ub2c8\ub2e4. \ub9ce\uc740 \uc0ac\ub9bd \uc740\ud589\ub4e4\uc740 \uc5ec\uc804\ud788 \uc7a0\uc7ac \uace0\uac1d \ucd94\uc801\uc744 \uc704\ud574 \uc2a4\ud504\ub808\ub4dc\uc2dc\ud2b8\ub97c, KYC \uc870\uc815\uc744 \uc704\ud574 \uc774\uba54\uc77c \uc8fc\uace0\ubc1b\uae30\ub97c, \uacc4\uc88c \uac1c\uc124\uc744 \uc704\ud574 \uc885\uc774 \uc11c\uba85\uc744 \uc0ac\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc218\uc791\uc5c5 \ud504\ub85c\uc138\uc2a4\ub294 \ub370\uc774\ud130 \uc0ac\uc77c\ub85c\ub97c \ucd08\ub798\ud558\uc5ec, \uace0\uac1d \ud504\ub85c\ud30c\uc77c\ub9c1 \uc624\ub958\uc728\uc744 25%\uae4c\uc9c0 \ub192\uc774\uace0, \uc815\uae30 \uac80\ud1a0\uac00 \uc9c0\uc5f0\ub418\uc5b4 \uc801\ud569\uc131 \uc7ac\ud3c9\uac00\uac00 \ub2a6\uc5b4\uc9c0\uba70, \uc21c\ucd94\ucc9c\uc9c0\uc218(NPS)\uac00 \ud558\ub77d\ud574 \uace0\uac1d \uc774\ud0c8\ub960\uc744 12~15%\uae4c\uc9c0 \uc99d\uac00\uc2dc\ud0b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uacbd\uc7c1 \uad6c\ub3c4\uac00 \uadf9\uc801\uc73c\ub85c \ubcc0\ud654\ud588\uc2b5\ub2c8\ub2e4. \ud540\ud14c\ud06c \uae30\uc5c5\uacfc \ub124\uc624\ubc45\ud06c\ub294 \uc774\uc81c eIDAS \uaddc\uc815\uc744 \uc900\uc218\ud558\ub294 \uc601\uc0c1 \uc2e0\uc6d0 \ud655\uc778\uc744 \ud1b5\ud55c \uc989\uac01\uc801\uc778 \ub514\uc9c0\ud138 \uac00\uc785 \uc808\ucc28\uc640 \uc5f0\uc911\ubb34\ud734 AI \uae30\ubc18 \uc790\ubb38 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uba70, 2020\ub144 \uc774\ud6c4 \uc720\ub7fd \uace0\uc790\uc0b0\uac00(HNWI) \ubd80\ubb38\uc5d0\uc11c 30%\uc758 \uc2dc\uc7a5 \uc810\uc720\uc728 \uc99d\uac00\ub97c \uae30\ub85d\ud588\uc2b5\ub2c8\ub2e4. 2010\ub144 \uc774\uc804\uc758 \uc5c5\ubb34 \ud504\ub85c\uc138\uc2a4\uc5d0 \uc5bd\ub9e4\uc5ec \uc788\ub294 \uc804\ud1b5\uc801\uc778 \ud504\ub77c\uc774\ube57 \ubc45\ud06c\ub4e4\uc740 \ud2b9\ud788 \ub2e4\uc74c\uacfc \uac19\uc740 \ubcf5\uc7a1\ud55c \uad6c\uc870\ub85c \uc778\ud574 \uc5b4\ub824\uc6c0\uc744 \uacaa\uace0 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ub2e4\uc911 \uad00\ud560\uad8c\uc758 \uc2e4\uc18c\uc720\uc790 \uacf5\uac1c\ub97c \uc694\uad6c\ud558\ub294 \ud328\ubc00\ub9ac \uc624\ud53c\uc2a4<\/li>\n\n\n\n<li>EU \uc81c5\ucc28 \uc790\uae08\uc138\ud0c1\ubc29\uc9c0 \uc9c0\uce68(5AMLD)\uc5d0 \ub530\ub77c \uac15\ud654\ub41c \uace0\uac1d\ud655\uc778(EDD) \uc758\ubb34\uac00 \uc801\uc6a9\ub418\ub294 \uc2e0\ud0c1 \ubc0f \uc7ac\ub2e8<\/li>\n\n\n\n<li>\uad6d\uacbd \uac04 \uace0\uac1d\ub4e4\ub85c \uc778\ud55c CRS \ubc0f FATCA \ubcf4\uace0 \uc758\ubb34 \ubc1c\uc0dd<\/li>\n\n\n\n<li>\uc77c\uad00\ub41c \uc801\ud569\uc131 \uc785\uc99d\uc744 \uc694\uad6c\ud558\ub294 \uc77c\uc784\ud615 \uc704\ud0c1 \uacc4\uc88c<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">CLM\uc740 \ub2e8\uc21c\ud55c \uac1c\ubcc4 \ub3c4\uad6c\uac00 \uc544\ub2cc \uc885\ub2e8\uac04 \uc6b4\uc601 \ubaa8\ub378\ub85c \uc791\ub3d9\ud569\ub2c8\ub2e4. InvestGlass\uc640 \uac19\uc740 \ud50c\ub7ab\ud3fc\uc740 \ub77c\uc774\ud504\uc0ac\uc774\ud074 \uc804\ubc18\uc5d0 \uac78\uccd0 \ub370\uc774\ud130, \uc6cc\ud06c\ud50c\ub85c\uc6b0 \ubc0f \uace0\uac1d \ucee4\ubba4\ub2c8\ucf00\uc774\uc158\uc744 \uc911\uc559 \uc9d1\uc911\ud654\ud558\uc5ec, \uc815\uae30 \uac80\ud1a0 \uae30\uac04\uc744 40% \ub2e8\ucd95\ud558\uace0 \uad50\ucc28 \ud310\ub9e4 \ube44\uc728\uc744 \ud5a5\uc0c1\uc2dc\ud0b5\ub2c8\ub2e4. \ud55c \uc2a4\uc704\uc2a4 \uc0ac\ub9bd \uc740\ud589\uc740 <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ko\/kyc-%ec%9d%b8%ec%a6%9d-%ec%9e%90%eb%8f%99%ed%99%94-%eb%b0%a9%eb%b2%95-%ea%b2%8c%ec%9e%84-%ec%9e%90%eb%8f%99%ed%99%94-%eb%b0%8f-%ea%b0%9c%eb%b0%9c%ed%95%98%ea%b8%b0\/\" target=\"_self\">\uc790\ub3d9\ud654\ub41c KYC<\/a> API \uc5f0\uacc4 \uc81c\uc7ac \uc2a4\ud06c\ub9ac\ub2dd\uc744 \ud1b5\ud55c \uc815\uce58\uc801 \uc8fc\uc694 \uc778\ubb3c(PEP) \uc2ec\uc0ac \uc8fc\uae30\ub97c 30\uc7a5\uc5d0\uc11c 72\uc2dc\uac04\uc73c\ub85c \ub2e8\ucd95\ud558\uc5ec \ud1b5\ud569 \uc0dd\uba85\uc8fc\uae30 \uad00\ub9ac\uc758 \uc2e4\uc9c8\uc801\uc778 \ud6a8\uacfc\ub97c \uc785\uc99d\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 id=\"h-key-stages-of-the-private-banking-client-lifecycle\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_Stages_of_the_Private_Banking_Client_Lifecycle\"><\/span>\ud504\ub77c\uc774\ube57 \ubc45\ud0b9 \uace0\uac1d \ub77c\uc774\ud504\uc0ac\uc774\ud074\uc758 \uc8fc\uc694 \ub2e8\uacc4<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ud504\ub77c\uc774\ube57 \ubc45\ud0b9\uc758 \uace0\uac1d \ub77c\uc774\ud504\uc0ac\uc774\ud074\uc740 \ucd5c\ucd08 \uc811\ucd09\ubd80\ud130 \uc774\ud0c8\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 \uccb4\uacc4\uc801\uc778 \uc5f0\uc18d\uc120\uc0c1\uc5d0 \ub193\uc5ec \uc788\uc2b5\ub2c8\ub2e4. \uac01 \ub2e8\uacc4\ub294 \ud504\ub77c\uc774\ube57 \ubc45\ud0b9\uc744 \ucc28\ubcc4\ud654\ud558\ub294 \ub9de\ucda4\ud615 \uc11c\ube44\uc2a4\ub97c \uc720\uc9c0\ud558\uba74\uc11c \uc6b4\uc601 \ud6a8\uc728\uc131\uc744 \ud5a5\uc0c1\uc2dc\ud0ac \uc218 \uc788\ub294 \ub514\uc9c0\ud138\ud654\uc758 \uae30\ud68c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc7a0\uc7ac \uace0\uac1d \ubc1c\uad74 \ubc0f \ub9ac\ub4dc \uad00\ub9ac<\/strong> \uc2dc\uc791\ub420 \ub54c <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ko\/%ed%9a%a8%ea%b3%bc%ec%a0%81%ec%9d%b8-%ea%b4%80%ea%b3%84-%ea%b4%80%eb%a6%ac-%eb%b1%85%ed%82%b9%ec%9d%84-%ec%9c%84%ed%95%9c-%ec%a3%bc%ec%9a%94-%ec%a0%84%eb%9e%b5\/\" target=\"_self\">\uad00\uacc4 \uad00\ub9ac\uc790<\/a> \uadf8\ub9ac\uace0 \ube44\uc988\ub2c8\uc2a4 \uac1c\ubc1c \ub2f4\ub2f9\uc790\ub4e4\uc740 \uc790\uc0b0 \ud3ec\ub7fc, \ud328\ubc00\ub9ac \uc624\ud53c\uc2a4 \uc18c\uac1c, \uadf8\ub9ac\uace0 \ubcc0\ud638\uc0ac \ubc0f \ud68c\uacc4\uc0ac\uc640 \uac19\uc740 \uc678\ubd80 \uc18c\uac1c\uc790\ub4e4\uc744 \ud3ec\ud568\ud55c \ud558\uc774 \ud130\uce58 \ucc44\ub110\uc5d0\uc11c \ub9ac\ub4dc\ub97c \ud3ec\ucc29\ud569\ub2c8\ub2e4. InvestGlass\uc640 \uac19\uc740 \uc790\uc0b0 \uad00\ub9ac \uc804\uc6a9 CRM\uc744 \uc0ac\uc6a9\ud558\uba74 \uc774\uba54\uc77c \uc0ac\uc77c\ub85c\uc640 \ubd84\uc0b0\ub41c \uc2a4\ud504\ub808\ub4dc\uc2dc\ud2b8\ub85c \uc778\ud55c \ub370\uc774\ud130 \uc190\uc2e4\uc744 \ubc29\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ko\/%eb%a6%ac%eb%93%9c-%ec%8a%a4%ec%bd%94%ec%96%b4%eb%a7%81-%eb%aa%a8%eb%8d%b8%ec%9d%b4%eb%9e%80\/\" target=\"_self\">\ub9ac\ub4dc \ub4dd\uc810<\/a> \uc54c\uace0\ub9ac\uc998\uc740 AUM \uc7a0\uc7ac\ub825, \ucd94\ucc9c \uc601\ud5a5\ub825 \ubc0f \uc704\ud5d8 \uc9c0\ud45c\ub97c \ubc14\ud0d5\uc73c\ub85c \uc7a0\uc7ac \uace0\uac1d\uc744 \uc6b0\uc120\uc21c\uc704\ud654\ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub97c \ud1b5\ud574 \ubd84\uc0b0\ub41c \uc2dc\uc2a4\ud15c \ud658\uacbd\uc5d0\uc11c \ud655\ubcf4\ub418\ub294 60%\uc5d0 \ube44\ud574 95%\uc758 \ub9ac\ub4dc\ub97c \ud655\ubcf4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ub514\uc9c0\ud138 \uc628\ubcf4\ub529 \ubc0f \uacc4\uc88c \uac1c\uc124<\/strong> 2024\ub144\uc5d0\ub294 \uc7ac\ud0dd\uadfc\ubb34\ub97c \uc758\ubb34\ud654\ud569\ub2c8\ub2e4 <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ko\/%eb%b3%b8%ec%9d%b8-%ec%9d%b8%ec%a6%9d%ec%9d%b4%eb%9e%80-%eb%ac%b4%ec%97%87%ec%9d%b4%eb%a9%b0-%ec%96%b4%eb%96%bb%ea%b2%8c-%ec%9e%91%eb%8f%99%ed%95%98%eb%82%98%ec%9a%94\/\" target=\"_self\">\ubcf8\uc778 \uc778\uc99d<\/a> eIDAS \ub808\ubca8 2 \ube44\ub514\uc624 KYC \ub610\ub294 FINMA \uc2b9\uc778 \uc0dd\uccb4 \uc778\uc2dd \ub3c4\uad6c\ub97c \ud1b5\ud574. \uc77c\ubc18\uc801\uc778 \ub2e8\uacc4\uc5d0\ub294 \uc790\uae08 \ucd9c\ucc98 \uc2e0\uace0\ub97c \uc704\ud55c \ub514\uc9c0\ud138 \uc591\uc2dd, CRS \ubc0f FATCA GIIN \ub4f1\ub85d\uc5d0 \ub530\ub978 \uc138\ubb34 \uc790\uac00 \uc778\uc99d, \uadf8\ub9ac\uace0 \ud1b5\ud569\ub41c \uc790\ub3d9\ud654 \uc704\ud5d8 \ud3c9\uac00\uac00 \ud3ec\ud568\ub429\ub2c8\ub2e4. <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ko\/2025%eb%85%84-%ea%b8%88%ec%9c%b5-%ea%b8%b0%ea%b4%80%ec%9d%84-%ec%9c%84%ed%95%9c-%ec%99%84%ec%a0%84%ed%95%9c-%ea%b7%9c%ec%a0%95-%ec%a4%80%ec%88%98-%ea%b0%80%ec%9d%b4%eb%93%9c-pep-%ec%a0%9c%ec%9e%ac\/\" target=\"_self\">PEP \ubc0f \uc81c\uc7ac \uc2ec\uc0ac<\/a>. \uc2a4\ud2b8\ub808\uc774\ud2b8-\uc2a4\ub8e8 \ud504\ub85c\uc138\uc2f1(STP)\uc744 \ud1b5\ud574 \uc800\uc704\ud5d8 \uad6d\ub0b4 \uace0\uac1d\uc5d0 \ub300\ud574\uc11c\ub294 80% \uc218\uc900\uc758 \uc790\ub3d9\ud654\ub97c \uc2e4\ud604\ud558\uc9c0\ub9cc, \ubcf5\uc7a1\ud55c \ud574\uc678 \uad6c\uc870\uc758 \uacbd\uc6b0 \ucd94\uac00\uc801\uc778 \uc218\ub3d9 \uac80\ud1a0\uac00 \ud544\uc694\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KYC, AML \ubc0f \uc801\ud569\uc131<\/strong> FATF \uad8c\uace0\uc5d0 \ub530\ub77c PEP, \uc2e0\ud0c1 \ubc0f \uad6d\uacbd \uac04 \uace0\uac1d\uc5d0 \ub300\ud55c \uac15\ud654\ub41c \uc2e4\uc0ac \uc758\ubb34\uac00 \uc694\uad6c\ub429\ub2c8\ub2e4. CLM \ud50c\ub7ab\ud3fc\uc740 OFAC, EU \ubc0f \uc2a4\uc704\uc2a4 SECO \uba85\ub2e8\uc5d0 \ub300\ud55c \uc9c0\uc18d\uc801\uc778 \uc2ec\uc0ac, \ubd80\uc815\uc801 \uc5b8\ub860 \ubaa8\ub2c8\ud130\ub9c1, \uadf8\ub9ac\uace0 \ud3c9\uade0 \ud65c\ub3d9\ub7c9\uc758 20%\ub97c \ucd08\uacfc\ud558\ub294 \uac70\ub798 \uae09\uc99d\uacfc \uac19\uc740 \uae30\uc900\uce58\uc5d0 \ub530\ub77c \uc790\ub3d9\uc73c\ub85c \uc2e4\ud589\ub418\ub294 \uc5f0\ub840 \uac80\ud1a0\ub97c \uc790\ub3d9\ud654\ud569\ub2c8\ub2e4. MiFID II\uc5d0 \ub530\ub978 \uc801\ud569\uc131 \ubb38\uc11c\ud654 \uc808\ucc28\uc5d0\uc11c\ub294 \uace0\uac1d\uc758 \uc9c0\uc2dd, \uacbd\ud5d8 \ubc0f \ubaa9\ud45c\ub97c \uc0c1\ud488\uacfc \uc5f0\uacc4\ud574\uc57c \ud558\uba70, 2023\ub144 \uc124\ubb38\uc870\uc0ac\uc5d0 \ub530\ub974\uba74 48%\uc758 \uc740\ud589\uc774 \uc808\ucc28\uc0c1\uc758 \ub9c8\ucc30\ub85c \uc778\ud574 \uace0\uac1d \uc720\uce58 \uacfc\uc815\uc744 \uc911\ub2e8\ud588\ub2e4\uace0 \ubcf4\uace0\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc9c0\uc18d\uc801\uc778 \uad00\uacc4 \ubc0f \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad00\ub9ac<\/strong> \uc7ac\ub7c9 \ud22c\uc790 \uc704\uc784\uc5d0 \ub300\ud55c \uc815\uae30\uc801\uc778 \ud22c\uc790 \uac80\ud1a0\ub97c \ud3ec\ud568\ud569\ub2c8\ub2e4, <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ko\/%ed%88%ac%ec%9e%90%ec%97%90%ec%84%9c-%ed%9a%a8%ea%b3%bc%ec%a0%81%ec%9d%b8-esg-%ed%86%b5%ed%95%a9%ec%9d%84-%ec%9c%84%ed%95%9c-%ec%a3%bc%ec%9a%94-%ec%a0%84%eb%9e%b5\/\" target=\"_self\">ESG \ud1b5\ud569<\/a> SFDR \uc694\uad6c\uc0ac\ud56d, MiFID \uc900\uc218 \uc801\ud569\uc131 \uc7ac\ud655\uc778, \uadf8\ub9ac\uace0 PRIIPs KID\ub97c \ud3ec\ud568\ud55c \uaddc\uc81c \ubcf4\uace0\uc5d0 \ub530\ub77c. \ubaa8\ub4e0 \ud65c\ub3d9\uc740 \uace0\uac1d \uc5ec\uc815 \uc804\ubc18\uc5d0 \uac78\uccd0 \ucd5c\uc120 \uc774\uc775 \uc6d0\uce59(best interest)\uc744 \uc785\uc99d\ud558\uae30 \uc704\ud574 \ucee4\ubba4\ub2c8\ucf00\uc774\uc158 \uc774\ub825\uc744 \uae30\ub85d\ud558\ub294 \uc885\ud569\uc801\uc778 \uace0\uac1d \ud504\ub85c\ud544\uacfc \uc5f0\uacb0\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc815\uae30 \uac80\ud1a0, \uc2dc\uc815 \uc870\uce58 \ubc0f \ud2b8\ub9ac\uac70 \uc774\ubca4\ud2b8<\/strong> CRS \uc7ac\uc778\uc99d\uc744 \ucd09\uad6c\ud558\ub294 \uc8fc\uc18c \ubcc0\uacbd, \uc790\uc0b0 \ucd9c\ucc98 \uac31\uc2e0\uc774 \ud544\uc694\ud55c IPO \uc218\uc775\uae08\uacfc \uac19\uc740 \uc720\ub3d9\uc131 \uc774\ubca4\ud2b8, \uc138\ub300\ubcc4 \ud504\ub85c\ud30c\uc77c\ub9c1\uc744 \uc720\ubc1c\ud558\ub294 \uc0c1\uc18d, DAC6 \ubcf4\uace0 \ub300\uc0c1 \uacc4\uc57d\uc5d0 \ub530\ub978 \uc870\uc138 \uac70\uc8fc\uc9c0 \uc774\uc804, \ub610\ub294 \uc790\ub3d9\ud654\ub41c \ubaa8\ub2c8\ud130\ub9c1\uc5d0 \ub530\ub978 \ubd80\uc815\uc801 \ub274\uc2a4 \uacbd\ubcf4\ub97c \ud3ec\ud568\ud55c \uad6c\uccb4\uc801\uc778 \ud2b8\ub9ac\uac70\uc5d0\uc11c \ud65c\uc131\ud654\ub429\ub2c8\ub2e4. CLM \uc2dc\uc2a4\ud15c\uc740 10\uc77c\uc5d0\uc11c 30\uc77c \uc774\ub0b4\uc5d0 \uac10\uc0ac\uc5d0 \ub300\uc751\ud560 \uc218 \uc788\ub294 \uc2dc\uc815\uc744 \ubcf4\uc7a5\ud558\uae30 \uc704\ud574 \uba54\uc774\ucee4-\uccb4\ucee4(\uc791\uc131\uc790-\uac80\ud1a0\uc790) \uc6cc\ud06c\ud50c\ub85c\ub97c \ubc1c\ub3d9\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud1f4\uc0ac \uad00\ub9ac \ubc0f \uc720\uc9c0<\/strong> FINMA\uc758 \ucd5c\uc18c 10\ub144 \uae30\ub85d \ubcf4\uad00 \uc758\ubb34\uc5d0 \ub530\ub77c \uac10\uc0ac \ucd94\uc801\uc744 \ubcf4\uc874\ud558\ub294 \uccb4\uacc4\uc801\uc778 \ud1f4\ucd9c \uc808\ucc28\ub97c \ub9c8\ub828\ud558\uace0, GDPR \uc81c17\uc870\uc758 \uc0ad\uc81c \uad8c\ub9ac\uc640 \uade0\ud615\uc744 \uc774\ub8ec \ubb38\uc11c \ubcf4\uc874 \uaddc\uce59\uc744 \uc2dc\ud589\ud558\uba70, \ud1b5\ud569 \uc124\ubb38\uc870\uc0ac\ub97c \ud1b5\ud574 NPS \ud53c\ub4dc\ubc31\uc744 \uc218\uc9d1\ud574\uc57c \ud569\ub2c8\ub2e4. CLM \ubd84\uc11d\uc744 \ud1b5\ud574 \uad6c\ud604\ub41c \uc120\uc81c\uc801 \uace0\uac1d \uc720\uc9c0 \uc804\ub7b5\uc744 \ud65c\uc6a9\ud558\uba74, \uc774\ud0c8\uc744 \uacb0\uc815\ud558\uae30 \uc804\uc5d0 \uc704\ud5d8\uc5d0 \ucc98\ud55c \uace0\uac1d 85%\ub97c \uc720\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/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\/2024\/05\/InvestGlass-Documents-2024-1024x701.png\" alt=\"InvestGlass \ubb38\uc11c \uad00\ub9ac\" class=\"wp-image-40625\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2024\/05\/InvestGlass-Documents-2024-1024x701.png 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2024\/05\/InvestGlass-Documents-2024-300x205.png 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2024\/05\/InvestGlass-Documents-2024-768x526.png 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2024\/05\/InvestGlass-Documents-2024-1536x1052.png 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2024\/05\/InvestGlass-Documents-2024.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">InvestGlass \ubb38\uc11c \uad00\ub9ac<\/figcaption><\/figure>\n\n\n\n<h2 id=\"h-automating-client-lifecycle-operations-in-private-banking\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Automating_Client_Lifecycle_Operations_in_Private_Banking\"><\/span>\ud504\ub77c\uc774\ube57 \ubc45\ud0b9\uc5d0\uc11c \uace0\uac1d \ub77c\uc774\ud504\uc0ac\uc774\ud074 \uc6b4\uc601 \uc790\ub3d9\ud654<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ud604\uc7ac \ud504\ub77c\uc774\ube57 \ubc45\ud0b9 \ubd84\uc57c\uc5d0\uc11c \uc790\ub3d9\ud654\ub294 \uace0\uac1d \ub77c\uc774\ud504\uc0ac\uc774\ud074 \uad00\ub9ac(CLM)\uc758 \ud575\uc2ec\uc73c\ub85c \uc790\ub9ac \uc7a1\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ube44\uc6a9 \uc555\ubc15\uc73c\ub85c \uc778\ud574 \uc2a4\uc704\uc2a4 \uae08\uc735\uc0ac\ub4e4\uc758 \uacbd\uc6b0 \uc6b4\uc601 \ube44\uc6a9\uc774 \ub9e4\ucd9c\uc758 60~70%\ub97c \ucc28\uc9c0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. SFDR ESG \uacf5\uc2dc\ub97c \ube44\ub86f\ud55c \ubcf5\uc7a1\ud55c \uaddc\uc81c \uc0ac\ud56d\ub4e4\uc740 \uc77c\uad00\ub41c \ubb38\uc11c\ud654\ub97c \uc694\uad6c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uace0\uac1d\ub4e4\uc740 \uc77c\uc0c1\uc801\uc778 \uc694\uccad\uc5d0 \ub300\ud574 24\uc2dc\uac04 \uc774\ub0b4\uc758 \ub2f5\ubcc0\uc744 \uae30\ub300\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc694\uc778\ub4e4\ub85c \uc778\ud574 CLM\uc740 \uc0ac\uc77c\ub85c\ud654\ub41c \uc6b4\uc601 \ubc29\uc2dd\uc5d0\uc11c \ud1b5\ud569\ub41c \uc0dd\ud0dc\uacc4\ub85c \ubcc0\ubaa8\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc740\ud589\uc5c5\uacc4 \uc804\ubc18\uc5d0 \uac78\uccd0 \uc720\uc0b0\ub41c \uacfc\uc81c\ub4e4\uc774 \uc9c0\uc18d\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc9c0\uc5ed\ubcc4 \ub2e4\uc911 \uc608\uc57d \uc2dc\uc2a4\ud15c \ubc0f \uc5ed\uc678 \ubc0f \uc5ed\ub0b4 \ubc95\uc778\ubcc4 \ubd84\ub9ac\ub41c \uc6d0\uc7a5<\/li>\n\n\n\n<li>PDF \ub370\uc774\ud130 \uc218\ub3d9 \uc785\ub825 \uc2dc 18% \uc624\ub958\uc728\uc774 \ubc1c\uc0dd\ud568<\/li>\n\n\n\n<li>\uc5ec\ub7ec \uacf5\uae09\uc5c5\uccb4\uc758 \uc5f0\uacc4\ub418\uc9c0 \uc54a\uc740 KYC \ub3c4\uad6c<\/li>\n\n\n\n<li>\ud504\ub860\ud2b8 \uc624\ud53c\uc2a4\uc640 \ubc31 \uc624\ud53c\uc2a4 \uac04\uc758 \ub2e8\uc808\uc774 \uace0\uac1d \uc815\uc801 \ub370\uc774\ud130\uc758 \uc2e4\uc2dc\uac04 \ub300\uc870\ub97c \ubc29\ud574\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass\uc640 \uac19\uc740 \ud50c\ub7ab\ud3fc\uc758 \uc6cc\ud06c\ud50c\ub85c \uc790\ub3d9\ud654\ub294 \uace0\uac1d \ub77c\uc774\ud504\uc0ac\uc774\ud074 \uc804\ubc18\uc5d0 \uac78\uce5c \ud504\ub85c\uc138\uc2a4\ub97c \ud45c\uc900\ud654\ud558\uace0 \uc870\uc728\ud569\ub2c8\ub2e4. \uad6c\uc131 \uac00\ub2a5\ud55c \ud30c\uc774\ud504\ub77c\uc778\uc740 \uc2e0\uaddc \uace0\uac1d \uc628\ubcf4\ub529, \uc720\ub3d9\uc131\uc774 \ub0ae\uc740 \ub300\uccb4 \ud22c\uc790 \uc0c1\ud488\uc5d0 \ub300\ud55c \uc0c1\ud488 \uc2b9\uc778 \ub9e4\ud2b8\ub9ad\uc2a4, \ud55c\ub3c4 \uc790\ub3d9 \uacc4\uc0b0\uc774 \ud3ec\ud568\ub41c \uc2e0\uc6a9 \ud55c\ub3c4 \uc2e0\uccad, \uc704\ud5d8 \ub4f1\uae09\ubcc4 \uc815\uae30\uc801\uc778 KYC \uac31\uc2e0, \ubb38\uc11c \ub9cc\ub8cc \uc54c\ub9bc \ub4f1\uc744 \ucc98\ub9ac\ud569\ub2c8\ub2e4. \uc740\ud589\ub4e4\uc740 \uc774\ub7ec\ud55c \uc790\ub3d9\ud654\ub97c \ud1b5\ud574 50~70%\uc758 \ucc98\ub9ac\ub7c9 \ud5a5\uc0c1\uc744 \ubcf4\uace0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud504\ub77c\uc774\ube57 \ubc45\ud0b9\uc5d0 \uc801\ud569\ud55c \uad6c\uccb4\uc801\uc778 \uc790\ub3d9\ud654 \uc0ac\ub840\uc5d0\ub294 \ub2e4\uc74c\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc5ec\uad8c \ub9cc\uae30 90\uc77c \uc804\uc5d0 \ud2b8\ub9ac\uac70\ub418\uc5b4 \uc5ec\uad8c \ub9cc\ub8cc \uc784\ubc15 \uc2dc \uc790\ub3d9\uc73c\ub85c \uc791\uc5c5 \uc0dd\uc131<\/li>\n\n\n\n<li>\uace0\uc704\ud5d8 \uace0\uac1d\uc744 \uc704\ud55c 12\uac1c\uc6d4 \ud6c4 \uc815\uae30 \uc790\uae08 \ucd9c\ucc98 \uac31\uc2e0<\/li>\n\n\n\n<li>\uc218\ub3d9 \uac80\uc0ac\ub97c \uc6b0\ud68c\ud558\ub294 \uc800\uc704\ud5d8 \uad6d\ub0b4 \uace0\uac1d \ub300\uc0c1\uc758 \uc9c1\ud1b5 \ucc98\ub9ac(STP)<\/li>\n\n\n\n<li>\uc784\uc758 \uc704\uc784\uc5d0 \ub300\ud55c \uc815\uae30 \uac80\ud1a0 \ubb38\uc11c\uc758 \uc790\ub3d9 \uc0dd\uc131<\/li>\n\n\n\n<li>\uac70\ub798 \ubaa8\ub2c8\ud130\ub9c1\uc5d0\uc11c \uc774\uc0c1 \ud328\ud134\uc774 \uac10\uc9c0\ub420 \ub54c \ub0b4\ubd80 \ud300\uc5d0 \uc791\uc5c5 \ud560\ub2f9<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">AI\uc640 \ub8f0 \uc5d4\uc9c4\uc740 \uacf5\uac1c \ub370\uc774\ud130\uc5d0 \uae30\ubc18\ud55c \uc21c\uc790\uc0b0 \uc9c0\ud45c\ub85c \uc720\uc785\ub418\ub294 \ub9ac\ub4dc\ub97c \ud3c9\uac00\ud558\uace0, \uc790\uae08\uc138\ud0c1\ubc29\uc9c0(AML) \ub9e5\ub77d\uc5d0\uc11c \ub808\uc774\uc5b4\ub9c1\uc744 \uc2dc\uc0ac\ud558\ub294 \ube44\uc815\uc0c1\uc801\uc778 \uc1a1\uae08 \ud328\ud134\uacfc \uac19\uc740 \uc774\uc0c1 \uc9d5\ud6c4\ub97c \uc2dd\ubcc4\ud558\uba70, 92% \uc720\ud615\uc758 \uc758\uc2ec\uc2a4\ub7ec\uc6b4 \ud65c\ub3d9\uc744 \ud0d0\uc9c0\ud558\ub294 \ube44\uc9c0\ub3c4 \ud559\uc2b5 \ubaa8\ub378\uc744 \ud1b5\ud574 \uac70\ub798 \ubaa8\ub2c8\ud130\ub9c1\uc744 \uc9c0\uc6d0\ud558\uace0, \ud504\ub85c\ud544 \uac10\uc815 \ubd84\uc11d\uc744 \ubc14\ud0d5\uc73c\ub85c \uad00\uacc4 \uad00\ub9ac\uc790\uc5d0\uac8c \uad8c\uc7a5\ub418\ub294-\ucd5c\uc801\uc758 \uc870\uce58\ub97c \uc81c\uc548\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass\ub294 \uc2a4\uc704\uc2a4\uc5d0\uc11c \ud638\uc2a4\ud305\ub418\uac70\ub098 \uc628\ud504\ub808\ubbf8\uc2a4 \ubc29\uc2dd\uc73c\ub85c \uc81c\uacf5\ub418\ub294 \uc790\ub3d9\ud654 \uc194\ub8e8\uc158\uc744 \ud1b5\ud574, \uc0ac\ub9bd \uc740\ud589\ub4e4\uc774 \ubaa8\ub4e0 \ub370\uc774\ud130 \ud750\ub984\uc5d0 \ub300\ud55c \ud1b5\uc81c\uad8c\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud569\ub2c8\ub2e4. \ubbfc\uac10\ud55c \uc815\ubcf4\ub294 \ubbf8\uad6d\uc774\ub098 \uc911\uad6d\uc758 \ud074\ub77c\uc6b0\ub4dc \ud658\uacbd\uc744 \uacbd\uc720\ud558\uc9c0 \uc54a\uace0 \uc8fc\uad8c\uc801 \uc778\ud504\ub77c \ub0b4\uc5d0 \uc548\uc804\ud558\uac8c \ubcf4\uad00\ub418\ubbc0\ub85c, \uc720\ub7fd \uc740\ud589\uc758 40%\uac00 \uae30\uc220 \uacf5\uae09\uc5c5\uccb4\ub97c \ub2e4\uac01\ud654\ud558\uac8c \ub41c \uadfc\ubcf8\uc801\uc778 \uc6b0\ub824 \uc0ac\ud56d\uc744 \ud574\uc18c\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 id=\"h-data-compliance-and-risk-management-across-the-lifecycle\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Data_Compliance_and_Risk_Management_Across_the_Lifecycle\"><\/span>\ub77c\uc774\ud504\uc0ac\uc774\ud074 \uc804\ubc18\uc5d0 \uac78\uce5c \ub370\uc774\ud130, \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \ubc0f \ub9ac\uc2a4\ud06c \uad00\ub9ac<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ud504\ub77c\uc774\ube57 \ubc45\ud0b9\uc5d0\uc11c \ud6a8\uacfc\uc801\uc778 \ub77c\uc774\ud504\uc0ac\uc774\ud074 \uad00\ub9ac\ub294 \uadfc\ubcf8\uc801\uc73c\ub85c \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \ub370\uc774\ud130, \uaddc\uc81c \uc900\uc218 \uad00\ub9ac, \uadf8\ub9ac\uace0 KYC, AML, \uc138\ubb34 \ubc0f \ud22c\uc790\uc790 \ubcf4\ud638 \uc694\uac74\uc744 \ud3ec\uad04\ud558\ub294 \uac10\uc0ac \uac00\ub2a5\ud55c \ud504\ub85c\uc138\uc2a4\uc5d0 \ub2ec\ub824 \uc788\uc2b5\ub2c8\ub2e4. \ud1b5\ud569\ub41c \uace8\ub4e0 \uc18c\uc2a4(golden source)\ub294 \uace0\uac1d \uc2dd\ubcc4\uc790, CRS \uc81c8\uc870\uc5d0 \ub530\ub978 \ucd5c\uc885 \uc2e4\uc18c\uc720\uc790 \uccb4\uc778, FATCA \ubc0f CRS \ubd84\ub958, EU \ubd84\ub958 \uaddc\uc815(Taxonomy Regulation)\uc5d0 \ub530\ub978 ESG \ubd84\ub958 \uccb4\uacc4, \uadf8\ub9ac\uace0 MiFID \ud22c\uc790 \ud504\ub85c\ud544\uc744 \uc870\uc815\ud569\ub2c8\ub2e4. \ub370\uc774\ud130 \ubd88\uc77c\uce58\ub294 FINMA\uc758 30% \uc2dc\uc815 \uba85\ub839\uc744 \uc720\ubc1c\ud558\ubbc0\ub85c \ub370\uc774\ud130\uc758 \uc815\ud655\uc131\uc740 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud504\ub77c\uc774\ube57 \ubc45\ud06c\uc758 \uc9c0\uc18d\uc801\uc778 \uace0\uac1d \ud655\uc778(KYC) \ubc0f \uc790\uae08\uc138\ud0c1 \ubc29\uc9c0(AML) \uc758\ubb34\uc5d0\ub294 \ub2e4\uc74c\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>\uc694\uad6c \uc0ac\ud56d<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\ube48\ub3c4<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\ud2b8\ub9ac\uac70 \uc774\ubca4\ud2b8<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\uc81c\uc7ac \ubc0f PEP \uc2ec\uc0ac<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\uc2e4\uc2dc\uac04<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\uc2e0\uaddc \uace0\uac1d, \ud504\ub85c\ud544 \ubcc0\uacbd<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\ubd88\ub9ac\ud55c \ubbf8\ub514\uc5b4 \ubaa8\ub2c8\ud130\ub9c1<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\uc601\uad6c\uc801\uc778<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\uc790\ub3d9 \ub274\uc2a4 \uc54c\ub9bc<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\uc704\ud5d8 \uac80\ud1a0(\uac15\ud654\ub428)<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\uc5f0\uac04<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>PEP, \uace0\uc704\ud5d8 \uace0\uac1d<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\uc704\ud5d8 \uac80\ud1a0(\ud45c\uc900)<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\uaca9\ub144\uc758<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\uc800\uc704\ud5d8 \ubc0f \uc911\uc704\ud5d8 \uace0\uac1d<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\uc774\ubca4\ud2b8 \uae30\ubc18 \uac80\ud1a0<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\uc694\uccad\ub41c \ub300\ub85c<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>15,000\uc720\ub85c \ucd08\uacfc \uac70\ub798, \ud504\ub85c\ud544 \ubcc0\uacbd<\/p><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">EU AMLR\uc5d0 \ub530\ub978 \ubbf8\uc900\uc218 \ubc8c\uae08\uc740 \ucd5c\ub300 500\ub9cc \uc720\ub85c \ub610\ub294 \uc804 \uc138\uacc4 \ub9e4\ucd9c\uc561\uc758 10%\uc5d0 \ub2ec\ud560 \uc218 \uc788\uc73c\ubbc0\ub85c, \ucca0\uc800\ud55c \ubb38\uc11c \uad00\ub9ac\uc640 \uc704\ud5d8 \uad00\ub9ac\uac00 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass\ub294 \uc124\uc815 \uac00\ub2a5\ud55c \uaddc\uce59, \uba54\uc774\ucee4-\uccb4\ucee4 \uc9c1\ubb34 \ubd84\ub9ac, \uadf8\ub9ac\uace0 \uae30\ud55c\uc774 \uc9c0\ub09c \uc11c\ub958\uc5d0 \ub300\ud55c \uc790\ub3d9 \ub9ac\ub9c8\uc778\ub354\ub97c \uac16\ucd98 \uc784\ubca0\ub514\ub4dc \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \uc6cc\ud06c\ud50c\ub85c\uc6b0\ub97c \uc9c0\uc6d0\ud569\ub2c8\ub2e4. \uc774 \ud50c\ub7ab\ud3fc\uc740 MiFID II \ubc0f III \ubaa9\ud45c \uc2dc\uc7a5 \ud3c9\uac00, PRIIPs KID \uc790\ub3d9 \uc804\ub2ec, SFDR \uc81c10\uc870 \uacf5\uc2dc, \uad6d\uacbd \uac04 MiFID \ud328\uc2a4\ud3ec\ud305 \uc694\uad6c\uc0ac\ud56d, \uadf8\ub9ac\uace0 \uc2a4\uc704\uc2a4 AQO \ubcf4\uace0 \uc758\ubb34\ub97c \ucc98\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc2a4\uc704\uc2a4\uc758 \ub370\uc774\ud130 \uc8fc\uad8c\uc740 \ubbfc\uac10\ud55c \uace0\uac1d \uc815\ubcf4\ub97c \ub2e4\ub8e8\ub294 \ud504\ub77c\uc774\ube57 \ubc45\ud06c\uc5d0\uac8c \uc5ec\uc804\ud788 \uac00\uc7a5 \uc911\uc694\ud55c \uc694\uc18c\uc785\ub2c8\ub2e4. \ucde8\ub9ac\ud788 \ub370\uc774\ud130 \uc13c\ud130 \ub0b4 \ub610\ub294 \uc740\ud589\uc758 \uac00\uc0c1 \ud504\ub77c\uc774\ube57 \ud074\ub77c\uc6b0\ub4dc(VPC) \ub0b4\uc5d0 \uc704\uce58\ud55c \uc778\ubca0\uc2a4\ud2b8\uae00\ub798\uc2a4(InvestGlass) \ud638\uc2a4\ud305\uc740 AES-256 \uc554\ud638\ud654, FINMA \uac80\uc0ac\ub97c \uc704\ud55c \uc561\uc138\uc2a4 \ub85c\uadf8, \uadf8\ub9ac\uace0 \uc5ed\uc678 \ub370\uc774\ud130 \uc804\uc1a1 \uc81c\ub85c(0)\uc5d0 \ub300\ud55c \uba85\ubc31\ud55c \uc81c\uc5b4\uad8c\uc744 \uac00\ub2a5\ud558\uac8c \ud569\ub2c8\ub2e4. \uc774\ub294 \ub9ce\uc740 \uc720\ub7fd \uae30\uad00\ub4e4\ub85c \ud558\uc5ec\uae08 \uc8fc\uad8c \ub300\uccb4\uc7ac\ub97c \ucc3e\ub3c4\ub85d \uc720\ub3c4\ud574 \uc628 CLOUD\ubc95 \ub178\ucd9c \ub300\uc0c1\uc778 \ubbf8\uad6d \uc81c\uacf5\uc5c5\uccb4\ub4e4\uacfc \ub300\uc870\ub97c \uc774\ub8f9\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 id=\"h-designing-a-clm-operating-model-for-private-banks\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Designing_a_CLM_Operating_Model_for_Private_Banks\"><\/span>\ud504\ub77c\uc774\ube57 \ubc45\ud06c\ub97c \uc704\ud55c CLM \uc6b4\uc601 \ubaa8\ub378 \uc124\uacc4<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ud504\ub77c\uc774\ube57 \ubc45\ud06c\ub294 \uc218\uc2ed \ub144 \uc804\uc5d0 \uc124\uacc4\ub41c \uc218\ub3d9 \ud504\ub85c\uc138\uc2a4\ub97c \ub2e8\uc21c\ud788 \uc790\ub3d9\ud654\ud558\ub294 \uac83\uc5d0\uc11c \ubc97\uc5b4\ub098, CLM(\uace0\uac1d \uc218\uba85\uc8fc\uae30 \uad00\ub9ac) \uc6b4\uc601 \ubaa8\ub378\uc744 \uc7ac\uace0\ud574\uc57c \ud569\ub2c8\ub2e4. \uc9c4\uc815\ud55c \ub514\uc9c0\ud138 \uc804\ud658\uc740 \uace0\uac1d \uc5ec\uc815\uc758 \uac01 \ub2e8\uacc4\ub97c \uac80\ud1a0\ud558\uace0 \uc2e0\ud765 \uae30\uc220\uc774 \uc9c4\uc815\ud55c \uac00\uce58\ub97c \ucc3d\ucd9c\ud560 \uc218 \uc788\ub294 \uc601\uc5ed\uc744 \ud30c\uc545\ud558\ub294 \uac83\uc744 \uc694\uad6c\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud604\uc7ac \uc0c1\ud0dc \ud3c9\uac00\ub294 \ub9ac\ub4dc \ud68d\ub4dd\ubd80\ud130 \uc624\ud504\ubcf4\ub529\uae4c\uc9c0 \uace0\uac1d \uc5ec\uc815\uc744 \ub9e4\ud551\ud558\uace0 \ubcd1\ubaa9 \ud604\uc0c1\uc744 \ud30c\uc545\ud558\ub294 \uac83\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc778 \uacfc\uc81c\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc77c\ubc18 \uace0\uc561\uc790\uc0b0\uac00(HNWI) \ubaa9\ud45c\uce58\uc778 10\uc77c\uc744 \ucd08\uacfc\ud558\uc5ec \uc628\ubcf4\ub529 \uc2dc\uac04\uc774 40\uc77c\uc744 \ub118\ub294 \ud604\uc0c1<\/li>\n\n\n\n<li>15%\ub97c \ucd08\uacfc\ud558\ub294 KYC \uc608\uc678 \ube44\uc728<\/li>\n\n\n\n<li>\ub370\uc774\ud130 \uc644\uc804\ub3c4 75% \ubbf8\ub9cc<\/li>\n\n\n\n<li>12\uac1c\uc6d4 \ud6c4, \uc9c0\uac11 \uc810\uc720\uc728 \uc99d\uac00\uc138\uac00 \uc815\uccb4\ub418\uba70 5% \ubbf8\ub9cc\uc73c\ub85c \ub5a8\uc5b4\uc9d0<\/li>\n\n\n\n<li>\uad00\uacc4 \uad00\ub9ac\uc790\uc758 \uc2dc\uac04\uc744 \uc18c\ubaa8\ud558\ub294 \uc218\ub3d9 \uc811\uc810<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">CLM \uc804\ud658\uc744 \uc704\ud55c \uad6c\uccb4\uc801\uc778 \uc9c0\ud45c\ub85c\ub294 \uc77c\ubc18 \uace0\uac1d\uc758 \uc628\ubcf4\ub529 \uae30\uac04\uc744 10\uc77c \ubbf8\ub9cc\uc73c\ub85c \ub2e8\ucd95\ud558\ub294 \uac83, KYC \uc9c1\ud1b5 \ucc98\ub9ac\uc728\uc744 80% \uc774\uc0c1\uc73c\ub85c \ub192\uc774\ub294 \uac83, \ub370\uc774\ud130 \uc644\uc804\ub3c4\ub97c 95% \uc774\uc0c1\uc73c\ub85c \uac1c\uc120\ud558\ub294 \uac83, \uadf8\ub9ac\uace0 \uac70\ub798 \uad00\uacc4 \uc2dc\uc791 \ud6c4 \uccab \ud574 \ub0b4\uc5d0 \uc9c0\uac11 \uc810\uc720\uc728(Share of Wallet)\uc744 \ud655\ub300\ud558\ub294 \uac83\uc774 \ud3ec\ud568\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc9c0\ud45c\ub4e4\uc740 \ub9e4\ucd9c\uacfc \ube44\uc6a9\uc5d0 \uc9c1\uc811\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">CLM \uc6b4\uc601\uc704\uc6d0\ud68c(steering committee)\ub97c \ud1b5\ud55c \uac70\ubc84\ub10c\uc2a4\ub294 \ud544\uc218\uc801\uc784\uc774 \uc785\uc99d\ub429\ub2c8\ub2e4. \uc774 \uc704\uc6d0\ud68c\ub294 \ud504\ub860\ud2b8 \uc624\ud53c\uc2a4, \uc900\ubc95\uac10\uc2dc(compliance), \ub9ac\uc2a4\ud06c \uad00\ub9ac, \uc6b4\uc601 \ubc0f IT \ubd80\uc11c\uc758 \ub300\ud45c\ub4e4\ub85c \uad6c\uc131\ub418\uc5b4\uc57c \ud558\uba70, \ud504\ub85c\uc138\uc2a4 \uc815\uc758 \ubc0f \uc9c0\uc18d\uc801\uc778 \uac1c\uc120\uc5d0 \ub300\ud55c \uba85\ud655\ud55c \uc624\ub108\uc2ed\uc744 \uac00\uc838\uc57c \ud569\ub2c8\ub2e4. \ubd84\uae30\ubcc4 \uac80\ud1a0\ub97c \ud1b5\ud574 \ud300\uc740 \uc0c1\ucda9\ub418\ub294 \uc6b0\uc120\uc21c\uc704\uc758 \uade0\ud615\uc744 \ub9de\ucd94\uace0 \uce21\uc815\ub41c \uacb0\uacfc\uc5d0 \ub530\ub77c \uc5c5\ubb34 \ud750\ub984\uc744 \uc870\uc815\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc5ec\ub7ec \uad00\ud560\uad8c\uacfc \ubd80\ud0b9 \uc13c\ud130\uc5d0\uc11c \uc6b4\uc601\ub418\ub294 \ud504\ub77c\uc774\ube57 \ubc45\ud06c\uc5d0\uac8c\ub294 \uc124\uc815 \uac00\ub2a5\uc131\uc774 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \uc778\ubca0\uc2a4\ud2b8\uae00\ub798\uc2a4(InvestGlass)\ub294 \uad6d\uac00\ubcc4 \uc6cc\ud06c\ud50c\ub85c\uc6b0, \uaddc\uc81c \uccb4\uc81c\ubcc4 \uc0c1\ud488 \ud654\uc774\ud2b8\ub9ac\uc2a4\ud2b8, \uc2b9\uc778 \uacc4\uce35 \uad6c\uc870\ub97c \ubcf5\uc7a1\ud55c \ucf54\ub4dc \uc218\uc815 \uc5c6\uc774 \ub4dc\ub798\uadf8\uc564\ub4dc\ub86d \ubc29\uc2dd\uc73c\ub85c \uc124\uc815\ud560 \uc218 \uc788\uac8c \ud558\uc5ec \uad6c\ud604 \uae30\uac04\uc744 18\uac1c\uc6d4\uc5d0\uc11c 6\uac1c\uc6d4\ub85c \ub2e8\ucd95\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub2e8\uacc4\ubcc4 \uad6c\ud604 \uc811\uadfc \ubc29\uc2dd\uc774 \ubcf4\ud1b5 \uac00\uc7a5 \ud6a8\uacfc\uc801\uc785\ub2c8\ub2e4:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>\ub2e8\uacc4<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\ucd08\uc810<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\ud0c0\uc784\ub77c\uc778<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\uc608\uc0c1 \uacb0\uacfc<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>1\ub2e8\uacc4<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\uc2a4\uc704\uc2a4 \uad6d\ub0b4 \uace0\uc561\uc790\uc0b0\uac00 \uc628\ubcf4\ub529 \ubc0f \uace0\uac1d\ud655\uc778\uc81c\ub3c4(KYC)<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>3\uac1c\uc6d4<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>50%\uc5d0 \ub530\ub978 \uc2b9\uc120 \uc18c\uc694 \uc2dc\uac04 \ub2e8\ucd95<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\ub2e8\uacc4 2<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\uc7ac\ub7c9\uad8c \uc704\uc784 \uac80\ud1a0<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>3\uac1c\uc6d4<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\uc790\ub3d9\ud654\ub41c \uc801\ud569\uc131 \uac80\uc0ac<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>3\ub2e8\uacc4<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\uad6d\uacbd \uac04 \uace0\uac1d<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>3\uac1c\uc6d4<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>CRS \uc790\ub3d9 \uc2e0\uace0, \ub2e4\uad6d\uc801 \uad00\ud560\uad8c \uc9c0\uc6d0<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>4\ub2e8\uacc4<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\ubcf5\uc7a1\ud55c \uad6c\uc870\ubb3c<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>3\uac1c\uc6d4<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\uc2e0\ud0c1 \ubc0f \uc7ac\ub2e8 \uc2e4\uc18c\uc720\uc790(UBO) \uc6cc\ud130\ud3f4<\/p><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774 \ub2e8\uacc4\ubcc4 \uc811\uadfc\ubc95\uc744 \ud1b5\ud574 \ud504\ub77c\uc774\ube57 \ubc45\ud06c\ub294 \uac00\uce58\ub97c \uc870\uae30\uc5d0 \uc785\uc99d\ud558\ub294 \ub3d9\uc2dc\uc5d0, \ub354 \ubcf5\uc7a1\ud55c \uc804\ud658\uc744 \uad00\ub9ac\ud560 \ub0b4\ubd80 \uc5ed\ub7c9\uc744 \uad6c\ucd95\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/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-main-CRM-2024-c2cb8f3a-1-1024x701.png\" alt=\"\ud6a8\uacfc\uc801\uc778 \ud504\ub77c\uc774\ube57 \ubc45\ud0b9 CRM \uc2dc\uc2a4\ud15c InvestGlass\" class=\"wp-image-47024\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-1-1024x701.png 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-1-300x205.png 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-1-768x526.png 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-1-1536x1052.png 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-1.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">\ud6a8\uacfc\uc801\uc778 \ud504\ub77c\uc774\ube57 \ubc45\ud0b9 CRM \uc2dc\uc2a4\ud15c InvestGlass<\/figcaption><\/figure>\n\n\n\n<h2 id=\"h-why-investglass-is-a-sovereign-clm-solution-for-private-banks\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_InvestGlass_Is_a_Sovereign_CLM_Solution_for_Private_Banks\"><\/span>InvestGlass\uac00 \ud504\ub77c\uc774\ube57 \ubc45\ud06c\ub97c \uc704\ud55c \uc18c\ubc84\ub9b0 CLM \uc194\ub8e8\uc158\uc778 \uc774\uc720<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc778\ubca0\uc2a4\ud2b8\uae00\ub798\uc2a4\ub294 \uc2a4\uc704\uc2a4 \uad6d\uc601\uae30\uc5c5\uc785\ub2c8\ub2e4. <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ko\/crm%ea%b3%bc-clm%ec%9d%80-%ea%b0%99%ec%9d%80-%ea%b2%83%ec%9e%85%eb%8b%88%ea%b9%8c\/\" target=\"_self\">CRM \ubc0f CLM<\/a> \ubbf8\uad6d\uc774\ub098 \uc911\uad6d \uae30\uc220 \uc81c\uacf5\uc5c5\uccb4\uc5d0 \ub300\ud55c \uc758\uc874\ub3c4\ub97c \ud53c\ud558\uace0\uc790 \ud558\ub294 \uc740\ud589, \ud504\ub77c\uc774\ube57 \ubc45\ud06c(PB), \uc790\uc0b0\uad00\ub9ac\uc0ac\ub97c \uc704\ud574 \ud2b9\ubcc4\ud788 \uad6c\ucd95\ub41c \ud50c\ub7ab\ud3fc. \uc774 \ud50c\ub7ab\ud3fc\uc740 \ubbfc\uac10\ud55c \uace0\uac1d \ub370\uc774\ud130\uac00 \uc678\uad6d \uad00\ud560\uad8c\uc758 \uc801\uc6a9\uc744 \ubc1b\ub294 \ub300\uc2e0 \uae08\uc735\uae30\uad00\uacfc \uace0\uac1d\uc758 \ud1b5\uc81c\ud558\uc5d0 \uc548\uc804\ud558\uac8c \uc720\uc9c0\ub418\uc5b4\uc57c \ud55c\ub2e4\ub294 \uadfc\ubcf8\uc801\uc778 \uc6b0\ub824\ub97c \ud574\uacb0\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc778\ubca0\uc2a4\ud2b8\uae00\ub798\uc2a4\ub294 \uaddc\uc81c \ub300\uc0c1 \uae30\uad00\uc744 \uc704\ud574 \uc124\uacc4\ub41c \ub2e8\uc77c \ud1b5\ud569 \ud50c\ub7ab\ud3fc\uc5d0\uc11c CRM, \ub514\uc9c0\ud138 \uc628\ubcf4\ub529, KYC \ubc0f AML \uc6cc\ud06c\ud50c\ub85c\uc6b0, \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad00\ub9ac, \ub9c8\ucf00\ud305 \uc790\ub3d9\ud654, \ubcf4\uc548 \ud074\ub77c\uc774\uc5b8\ud2b8 \ud3ec\ud138\uc744 \uacb0\ud569\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud1b5\ud569\uc744 \ud1b5\ud574 \uc5ec\ub7ec \uac1c\ubcc4 \uc194\ub8e8\uc158\uc744 \uad00\ub9ac\ud558\ub294 \ubcf5\uc7a1\uc131\uc744 \uc5c6\uc560\uace0 \uace0\uac1d \uc0dd\uba85\uc8fc\uae30\uc758 \ubaa8\ub4e0 \ub2e8\uacc4\uc5d0\uc11c \ub370\uc774\ud130 \uc77c\uad00\uc131\uc744 \ubcf4\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud638\uc2a4\ud305 \uc720\uc5f0\uc131\uc744 \ud1b5\ud574 \uae30\uad00\uc740 \uc790\uc0ac\uc758 \ud658\uacbd\uc5d0 \uac00\uc7a5 \uc801\ud569\ud55c \ubc29\uc2dd\uc744 \uc120\ud0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc8fc\uad8c \uc778\ud504\ub77c\ub97c \uac16\ucd98 \uc2a4\uc704\uc2a4 \ub370\uc774\ud130 \uc13c\ud130\uc5d0 \uc644\uc804 \ud638\uc2a4\ud305\ub428<\/li>\n\n\n\n<li>\uc740\ud589 \uc790\uccb4 \ub370\uc774\ud130 \uc13c\ud130 \ub0b4\uc758 \uc628\ud504\ub808\ubbf8\uc2a4 \ubc30\ud3ec<\/li>\n\n\n\n<li>\ud074\ub77c\uc774\uc5b8\ud2b8 \ub370\uc774\ud130 \uc800\uc7a5\uc18c \ubc0f \uc554\ud638\ud654 \ud0a4\uc5d0 \ub300\ud55c \uc644\uc804\ud55c \uc81c\uc5b4<\/li>\n\n\n\n<li>\uae30\uc874 \ucf54\uc5b4 \ubc45\ud0b9 \uc2dc\uc2a4\ud15c\uacfc\uc758 \ub9de\ucda4\ud615 \uc5f0\ub3d9<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud504\ub77c\uc774\ube57 \ubc45\ud0b9\uacfc \uad00\ub828\ub41c \uad6c\uccb4\uc801\uc778 CLM(\uace0\uac1d \uc218\uba85\uc8fc\uae30 \uad00\ub9ac) \uc5ed\ub7c9\uc5d0\ub294 \uac1c\uc778, \uae30\uc5c5, \uc2e0\ud0c1\uc744 \uc704\ud55c \ub514\uc9c0\ud138 \uacc4\uc88c \uac1c\uc124\uc774 \ud3ec\ud568\ub418\uba70, \uc790\uae08 \ucd9c\ucc98 \uc99d\ube59 \uc6cc\ud06c\ud50c\ub85c\uc6b0\ub97c \uc124\uc815\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc704\ud5d8 \ud3c9\uac00\ub294 \uc815\uc801 \ub370\uc774\ud130\uc640 \ub3d9\uc801 \ub370\uc774\ud130\ub97c \uacb0\ud569\ud55c \ubca0\uc774\uc9c0\uc548 \ubaa8\ub378\uc744 \uc0ac\uc6a9\ud569\ub2c8\ub2e4. \uc758\uc0ac\uacb0\uc815 \ud2b8\ub9ac\uac00 \ud3ec\ud568\ub41c \uc801\ud569\uc131 \uc124\ubb38\uc9c0\ub294 MiFID(\uc720\ub7fd\uc758 \uae08\uc735\uc0c1\ud488 \ud22c\uc790 \uc2dc\uc7a5 \uc9c0\uce68) \uc900\uc218\ub97c \uc9c0\uc6d0\ud569\ub2c8\ub2e4. \uc790\ub3d9\ud654\ub41c \uc815\uae30 \uac80\ud1a0\ub294 \uc815\uc758\ub41c 50\uac1c \uc774\uc0c1\uc758 \uc774\ubca4\ud2b8 \ubc1c\uc0dd \uc2dc \uc2e4\ud589\ub418\uc5b4 \ub204\ub77d\ub418\ub294 \ud56d\ubaa9\uc774 \uc5c6\ub3c4\ub85d \ubcf4\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uad00\uacc4 \uad00\ub9ac\uc790\ub4e4\uc740 \uc0c1\ud638\uc791\uc6a9 \ucd94\uc801, \ubaac\ud14c \uce74\ub97c\ub85c \uc2dc\ubbac\ub808\uc774\uc158\uc744 \ud65c\uc6a9\ud55c \ub9de\ucda4\ud615 \uc81c\uc548\uc11c \uc791\uc131, \uac80\ud1a0 \uc77c\uc815 \uad00\ub9ac, AI \uc9c0\uc6d0 \uc778\uc0ac\uc774\ud2b8 \uc561\uc138\uc2a4\ub97c \ud3ec\ud568\ud55c \uc77c\uc0c1\uc801\uc778 \uace0\uac1d \uc218\uba85\uc8fc\uae30 \uad00\ub9ac(CLM) \ud65c\ub3d9\uc5d0 InvestGlass\ub97c \uc0ac\uc6a9\ud569\ub2c8\ub2e4. \uc900\ubc95\uac10\uc2dc \ud300\uc740 \ub3d9\uc77c\ud55c \uace0\uac1d \uae30\ub85d\uc744 \ubaa8\ub2c8\ud130\ub9c1\ud558\uc5ec, \uc911\ubcf5 \ub370\uc774\ud130 \uc785\ub825\uc774\ub098 \ub300\uc0ac \uc5c5\ubb34\uc758 \ubd80\ub2f4 \uc5c6\uc774 \uc601\uc5c5 \ud65c\ub3d9\uacfc \uaddc\uc81c \uc900\uc218 \uc758\ubb34 \uac04\uc758 \uc77c\uad00\uc131\uc744 \ubcf4\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass\ub294 10\ub144 \uc774\uc0c1 \uc9c0\uc18d\ub418\ub294 \ubcc0\uacbd \ubd88\uac00\ub2a5\ud55c \uac10\uc0ac \ucd94\uc801\uc744 \ud1b5\ud574 \uc5c4\uaca9\ud55c \uac10\uc0ac \uc694\uad6c \uc0ac\ud56d\uc744 \uc9c0\uc6d0\ud558\uba70, \ubaa8\ub4e0 \uace0\uac1d\uc5d0\uac8c \uc804\uccb4 \uc218\uba85 \uc8fc\uae30 \uc774\ub825\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774\ub294 \uacbd\uc7c1 \uc6b0\uc704\uc640 \uc6b4\uc601 \ud6a8\uc728\uc131\uc744 \ubaa8\ub450 \uc81c\uacf5\ud558\ub294 \uc5ed\uc678 \uc801\uc6a9\uc744 \ubc1b\uc9c0 \uc54a\uace0 \uc8fc\uad8c\uc774 \uc720\uc9c0\ub418\ub294 \uc194\ub8e8\uc158\uc744 \ucc3e\ub294 \uae30\uad00\ub4e4\uc744 \uc704\ud55c \uc720\ub7fd\uc758 \ub370\uc774\ud130 \ubcf4\ud638 \uae30\ub300\uce58\uc5d0 \ubd80\ud569\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc2dc\ubc94 \uc6b4\uc601\uc744 \ud1b5\ud574 \uac00\uc2dc\uc801\uc778 \uc131\uacfc\ub97c \uc785\uc99d\ud588\uc2b5\ub2c8\ub2e4: \uc815\ud574\uc9c4 \uac1c\ub150 \uac80\uc99d(PoC) \uae30\uac04 \ub0b4\uc5d0 60% \uc2e0\uaddc \uace0\uac1d \uc628\ubcf4\ub529 \uac00\uc18d\ud654, NPS 25\ud3ec\uc778\ud2b8 \uc0c1\uc2b9, 40% \ub9ac\uc2a4\ud06c \uc608\uc678 \uc0ac\ud56d \uac10\uc18c \ub4f1\uc744 \ub2ec\uc131\ud588\uc2b5\ub2c8\ub2e4. CLM(\uace0\uac1d \ub77c\uc774\ud504\uc0ac\uc774\ud074 \uad00\ub9ac) \uc804\ud658\uc744 \uace0\ub824 \uc911\uc778 \uc0ac\ub9bd \uc740\ud589\uc740 \ud2b9\uc815 \uc608\uc57d \uc13c\ud130\uc758 \uc628\ubcf4\ub529 \uacfc\uc815\uc744 \ub514\uc9c0\ud138\ud654\ud558\ub294 \uc2dc\ubc94 \ud504\ub85c\uc81d\ud2b8\ub97c \ud3c9\uac00\ud558\uace0, 6\uac1c\uc6d4 \ub3d9\uc548 \uc790\ub3d9\ud654\uac00 \ud604\uc7ac \uae30\uc900\uce58\uc5d0 \ube44\ud574 \uc5b4\ub5a4 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294\uc9c0 \uce21\uc815\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc2e4\uc6a9\uc801\uc778 \uc811\uadfc \ubc29\uc2dd\uc744 \ud1b5\ud574 \uae08\uc735 \uae30\uad00\uc740 \ub354 \uad11\ubc94\uc704\ud55c \uc804\ud658 \uc774\ub2c8\uc154\ud2f0\ube0c\uc5d0 \ub300\ud55c \uc2e0\ub8b0\ub97c \uc313\ub294 \ub3d9\uc2dc\uc5d0 \uc2e0\uc18d\ud558\uac8c \uac00\uce58\ub97c \ucc3d\ucd9c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>","protected":false},"excerpt":{"rendered":"<p>Client lifecycle management (CLM) represents the comprehensive orchestration of high net worth and ultra high net worth client relationships from initial prospecting through to structured offboarding. For private banks operating in Europe and Switzerland, CLM has evolved from a back-office administrative function into a strategic capability that directly influences revenue growth, regulatory standing and client [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":45588,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[36,1261],"class_list":["post-49262","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-banking","tag-client-lifecycle-management"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.3 (Yoast SEO v28.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Client Lifecycle Management and Strategic Growth<\/title>\n<meta name=\"description\" content=\"Explore Client Lifecycle Management and its impact on revenue growth and client satisfaction for private 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