{"id":49334,"date":"2026-03-23T10:07:18","date_gmt":"2026-03-23T09:07:18","guid":{"rendered":"https:\/\/www.investglass.com\/?p=49334"},"modified":"2026-03-23T10:42:13","modified_gmt":"2026-03-23T09:42:13","slug":"%ec%9d%80%ed%96%89%ec%97%90%ec%84%9c%ec%9d%98-%ec%bb%b4%ed%94%8c%eb%9d%bc%ec%9d%b4%ec%96%b8%ec%8a%a4-%eb%b0%8f-%eb%a6%ac%ec%8a%a4%ed%81%ac-%ea%b4%80%eb%a6%ac","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/ko\/compliance-and-risk-management-in-banking\/","title":{"rendered":"\ub0b4\uc77c \ubd88\uc2dc \uac10\uc0ac\uc5d0 \uadc0\ud558\uc758 \uc740\ud589\uc774 \ud1b5\uacfc\ud560 \uc218 \uc788\uc744\uae4c\uc694?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">2023\ub144 \uc804 \uc138\uacc4\uc801\uc73c\ub85c \uc790\uae08 \uc138\ud0c1 \ubc29\uc9c0 \ubc0f \uc81c\uc7ac \uc704\ubc18\uc5d0 \ub300\ud55c \ubc8c\uae08\uc774 50\uc5b5 \ub2ec\ub7ec\ub97c \ucd08\uacfc\ud588\uc73c\uba70, 2024\ub144\uacfc 2025\ub144\uc5d0\ub3c4 \uaddc\uc81c \uc9d1\ud589 \uc870\uce58\uac00 \uacc4\uc18d \uc99d\uac00\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uaddc\uc81c \uc555\ub825 \uc99d\uac00\ub294 \uaddc\uc815 \uc900\uc218 \ubc0f \uc704\ud5d8 \uad00\ub9ac\uc758 \uc911\uc694\uc131\uc774 <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ko\/%eb%82%98%eb%a7%8c%ec%9d%98-%ed%94%84%eb%9d%bc%ec%9d%b4%eb%b9%97-%eb%b1%85%ed%81%ac%eb%a5%bc-%ec%8b%9c%ec%9e%91%ed%95%98%eb%8a%94-%eb%b0%a9%eb%b2%95\/\" target=\"_self\">\uc740\ud589 \uc5c5\ubb34\ub294<\/a> \uae30\uad00 \uc0dd\uc874\uc744 \uc704\ud574. \uc624\ub298\ub0a0 \uc740\ud589\ub4e4\uc740 \ub2e8 \ud55c \ubc88\uc758 \ud1b5\uc81c \uc2e4\ud328\ub85c\ub3c4 \uc5b5\ub300\uc758 \ubc8c\uae08, \uc6b4\uc601 \uc911\ub2e8, \uadf8\ub9ac\uace0 \ub3cc\uc774\ud0ac \uc218 \uc5c6\ub294 \ud3c9\ud310 \uc190\uc0c1\uc744 \ucd08\ub798\ud560 \uc218 \uc788\ub294 \ud658\uacbd\uc5d0 \uc9c1\uba74\ud574 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774 \uac00\uc774\ub4dc\uc5d0\uc11c\ub294 \uae08\uc735 \uae30\uad00\uc758 \uac70\ubc84\ub10c\uc2a4 \ud504\ub808\uc784\uc6cc\ud06c\uc640 \uaddc\uc81c \uae30\ub300\uce58\ubd80\ud130 \uc2e4\uc9c8\uc801\uc778 \uad6c\ud604 \uc804\ub7b5\uae4c\uc9c0, \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \uc704\ud5d8 \uad00\ub9ac\uc758 \ud544\uc218 \uad6c\uc131 \uc694\uc18c\ub97c \uac80\ud1a0\ud569\ub2c8\ub2e4. \ub610\ud55c, \ucd5c\uc2e0 \uae30\uc220 \ud50c\ub7ab\ud3fc, \ud2b9\ud788 <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> InvestGlass\uc640 \uac19\uc740 \uc720\ub7fd \uc194\ub8e8\uc158\uc740 \ubbfc\uac10\ud55c \uace0\uac1d \ub370\uc774\ud130\ub97c \uc644\uc804\ud788 \uc81c\uc5b4\ud558\uba74\uc11c \uaddc\uc815 \uc900\uc218 \uc81c\uc5b4\ub97c \ud6a8\uc728\uc801\uc73c\ub85c \uc6b4\uc601\ud560 \uc218 \uc788\ub3c4\ub85d \uc740\ud589\uc5d0 \uae30\ub2a5\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-introduction-to-compliance-and-risk-management-in-banking\">\uae08\uc735\uc5c5\uacc4 \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \ubc0f \uc704\ud5d8 \uad00\ub9ac \uc18c\uac1c<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">2008\ub144 \uae08\uc735\uc704\uae30 \uc774\ud6c4\uc758 \uc2dc\ub300\ub294 \uc740\ud589\uc758 \ub9ac\uc2a4\ud06c \uad00\ub9ac \ubc29\uc2dd\uc744 \uadfc\ubcf8\uc801\uc73c\ub85c \uc7ac\ud3b8\ud588\uc2b5\ub2c8\ub2e4. \ubc14\uc824 III(Basel III) \uaddc\uc81c\ub294 \uc5c4\uaca9\ud55c \uc790\ubcf8 \ubc0f \uc720\ub3d9\uc131 \uc694\uac74\uc744 \ub3c4\uc785\ud588\uc73c\uba70, 2018\ub144\ubd80\ud130 \uc2dc\ud589\ub41c EU\uc758 \uc77c\ubc18 \ub370\uc774\ud130 \ubcf4\ud638 \uaddc\uc815(GDPR)\uc740 \uc804 \uc138\uacc4 \uc5f0\uac04 \ub9e4\ucd9c\uc561\uc758 \ucd5c\ub300 4%\uc5d0 \ub2ec\ud558\ub294 \uacfc\uc9d5\uae08\uc744 \ubd80\uacfc\ud558\ub294 \ub370\uc774\ud130 \uac1c\uc778\uc815\ubcf4 \ubcf4\ud638 \uae30\uc900\uc744 \ub9c8\ub828\ud588\uc2b5\ub2c8\ub2e4. 2023\ub144\ubd80\ud130 2025\ub144\uae4c\uc9c0 \uac15\ud654\ub418\ub294 \uaddc\uc81c \uc9d1\ud589 \ud658\uacbd\uc73c\ub85c \uc778\ud574 \uaddc\uc815 \uc900\uc218\uc5d0 \uc788\uc5b4 \ubc29\uc2ec\ud560 \uc5ec\uc9c0\uac00 \uc804\ud600 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc77c\ubc18\uc801\uc778 \uc740\ud589 \ub9ac\uc2a4\ud06c \uad00\ub9ac\ub294 \ucc28\uc785\uc790\uc758 \ucc44\ubb34 \ubd88\uc774\ud589\uc73c\ub85c \uc778\ud55c \uc2e0\uc6a9 \ub9ac\uc2a4\ud06c, \uae08\ub9ac \ubcc0\ub3d9 \ubc0f \uc790\uc0b0 \uac00\uaca9 \ubcc0\ub3d9\uc73c\ub85c \uc778\ud55c \uc2dc\uc7a5 \ub9ac\uc2a4\ud06c, \uc790\uae08 \ubd80\uc871\uc73c\ub85c \uc778\ud55c \uc720\ub3d9\uc131 \ub9ac\uc2a4\ud06c, \ub0b4\ubd80 \ud504\ub85c\uc138\uc2a4 \uc624\ub958 \ub610\ub294 \uc678\ubd80 \uc0ac\uac74\uc73c\ub85c \uc778\ud55c \uc6b4\uc601 \ub9ac\uc2a4\ud06c\ub97c \ud3ec\ud568\ud569\ub2c8\ub2e4. \uc6b4\uc601 \ub9ac\uc2a4\ud06c\uc758 \ud575\uc2ec \uad6c\uc131 \uc694\uc18c\ub294 \uc0ac\uc774\ubc84 \ubcf4\uc548 \ub9ac\uc2a4\ud06c\ub85c, \uc740\ud589\uc758 \ub514\uc9c0\ud138 \uc2dc\uc2a4\ud15c\uc744 \ud45c\uc801\uc73c\ub85c \ud558\ub294 \uc0ac\uc774\ubc84 \uacf5\uaca9\uc758 \uc704\ud611\uc744 \ud3ec\ud568\ud558\uba70, \uc2dc\uc2a4\ud15c \uc7a5\uc560, \ub370\uc774\ud130 \uc720\ucd9c \ubc0f \uc6b4\uc601 \uc911\ub2e8\uc73c\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub300\uc870\uc801\uc73c\ub85c, \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \ub9ac\uc2a4\ud06c \uad00\ub9ac\ub294 \ubc95\ub960, \uaddc\uc815, \ud589\ub3d9 \uac15\ub839 \ub610\ub294 \ub0b4\ubd80 \uc815\ucc45 \uc704\ubc18\uc73c\ub85c \uc778\ud55c \ubc95\uc801 \ucc98\ubc8c, \uc7ac\uc815\uc801 \uc190\uc2e4 \ub610\ub294 \ud3c9\ud310 \ud53c\ud574 \uac00\ub2a5\uc131\uc744 \uad6c\uccb4\uc801\uc73c\ub85c \ubaa9\ud45c\ub85c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\ub7ec\ud55c \uc601\uc5ed\ub4e4\uc740 \uc0c1\ub2f9 \ubd80\ubd84 \uacb9\uce69\ub2c8\ub2e4. \uc790\uae08\uc138\ud0c1\ubc29\uc9c0(AML) \uc2e4\ud328\ub294 \ubcf5\uad6c \ube44\uc6a9\uc744 \ud1b5\ud574 \uc6b4\uc601\uc0c1\uc758 \ucc28\uc9c8\uc744 \uc57c\uae30\ud560 \uc218 \uc788\uc73c\uba70, \ub3d9\uc2dc\uc5d0 \uacf5\uac1c\uc801\uc778 \uc9d1\ud589 \uc870\uce58\ub85c \uc778\ud55c \uba85\uc131 \uc190\uc0c1\uc744 \ucd08\ub798\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \ubcf5\uc7a1\ud55c \uc740\ud589 \uc870\uc9c1\uc740 \uaddc\uc815 \uc900\uc218\ub97c \ub3c5\ub9bd\uc801\uc778 \uae30\ub2a5\uc73c\ub85c \ubcf4\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \ub354 \uad11\ubc94\uc704\ud55c \uc704\ud5d8 \uad00\ub9ac \ud504\ub85c\uadf8\ub7a8\uc758 \ud544\uc218\uc801\uc778 \ubd80\ubd84\uc73c\ub85c \uac04\uc8fc\ud574\uc57c \ud569\ub2c8\ub2e4. \ud6a8\uacfc\uc801\uc778 \uc740\ud589 \uc704\ud5d8 \uad00\ub9ac\ub294 \uae30\uad00\uc758 \uc548\uc815\uc131\uc744 \ubcf4\ud638\ud558\uace0, \uaddc\uc81c \uc900\uc218\ub97c \ubcf4\uc7a5\ud558\uba70, \uc0ac\uc774\ubc84 \ubc0f \uc720\ub3d9\uc131 \uc704\ud5d8\uc744 \ud3ec\ud568\ud55c \ub2e4\uc591\ud55c \uc704\ud611\uc73c\ub85c\ubd80\ud130 \ubcf4\ud638\ud558\ub294 \ud3ec\uad04\uc801\uc778 \uc804\ub7b5\uc744 \uc694\uad6c\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">EU\uc758 AMLD6 \ubc0f MiFID II \uac1c\uc120\uacfc \uac19\uc740 \ucd5c\uadfc\uc758 \ubc1c\uc804\uc740 \uc790\ub3d9\ud654\ub41c \ubaa8\ub2c8\ud130\ub9c1 \ubc0f \uace0\uac1d \uc801\ud569\uc131 \ud3c9\uac00\uc5d0 \ub300\ud55c \uae30\ub300\ub97c \ub192\uc600\uc2b5\ub2c8\ub2e4. \uaddc\uc81c \uae30\uad00\uc740 \uc774\uc81c \uc740\ud589\uc774 \uc0ac\ud6c4 \uc218\uc815\uc774 \uc544\ub2cc \uc0ac\uc804 \uc704\ud5d8 \uc644\ud654\ub97c \uc785\uc99d\ud560 \uac83\uc744 \uae30\ub300\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub9e5\ub77d\uc5d0\uc11c \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \uc804\ub7b5\uc740 \uaddc\uc81c \uc694\uad6c \uc0ac\ud56d\uc744 \ucda9\uc871\ud558\uace0 \uc9c0\uc18d\uc801\uc774\uace0 \uc0ac\uc804\uc801\uc778 \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \ubaa8\ub2c8\ud130\ub9c1\uc744 \uac00\ub2a5\ud558\uac8c \ud558\ub294 \ub370 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubcc0\ud654\ub85c \uc778\ud574 \uae30\uc220\uc740 \ud6a8\uacfc\uc801\uc778 \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \ubaa8\ub2c8\ud130\ub9c1\uc5d0 \ud544\uc218\uc801\uc774 \ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\ub7ec\ud55c \ud658\uacbd\uc5d0\uc11c InvestGlass\uc640 \uac19\uc740 \ud50c\ub7ab\ud3fc\uc740 \uc2a4\uc704\uc2a4 \uae30\ubc18\uc758 \uc8fc\uad8c CRM \ubc0f RegTech \uc194\ub8e8\uc158\uc73c\ub85c \ub4f1\uc7a5\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub3c4\uad6c\ub97c \ud1b5\ud574 \uc740\ud589\uc740 \ubbf8\uad6d\uc774\ub098 \uc911\uad6d \uacf5\uae09\uc5c5\uccb4\uc5d0 \uc758\uc874\ud558\uc9c0 \uc54a\uace0 KYC \uc6cc\ud06c\ud50c\ub85c\uc6b0 \ubc0f \uc81c\uc7ac \uc2a4\ud06c\ub9ac\ub2dd\uc744 \ud3ec\ud568\ud55c \uaddc\uc815 \uc900\uc218 \uc81c\uc5b4\ub97c \uc6b4\uc601\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc811\uadfc \ubc29\uc2dd\uc740 \uc720\ub7fd\uacfc \uc911\ub3d9 \uc804\ubc18\uc5d0 \uac78\uccd0 \ub9cc\uc5f0\ud55c \ub370\uc774\ud130 \uc8fc\uad8c \uc6b0\ub824\ub97c \ud574\uacb0\ud558\uba70, \uc740\ud589 \uae30\uad00\uc740 \uc810\uc810 \ub354 \uc5ed\uc678 \uc785\ubc95\uc73c\ub85c\ubd80\ud130 \uace0\uac1d \ub370\uc774\ud130\ub97c \ubcf4\ud638\ud558\uae30 \uc704\ud574 \ub178\ub825\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-compliance-risk-management-in-banking\">\uc740\ud589\uc5d0\uc11c \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \uc704\ud5d8 \uad00\ub9ac\ub294 \ubb34\uc5c7\uc778\uac00\uc694?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ko\/%ec%84%b1%ea%b3%b5%ec%9d%84-%ec%9c%84%ed%95%9c-%ec%9d%80%ed%96%89-%eb%aa%a8%eb%b2%94-%ec%82%ac%eb%a1%80%ec%9d%98-%ea%b7%9c%ec%a0%95-%ec%a4%80%ec%88%98-%ec%9c%84%ed%97%98-%ec%99%84%ed%99%94\/\" target=\"_self\">\uc740\ud589\uc758 \uaddc\uc81c \uc900\uc218 \uc704\ud5d8<\/a> \uc900\ubc95 \uc704\ud5d8\uc740 \uad00\ub828 \ubc95\ub960, \uaddc\uc815, \ud589\ub3d9 \uac15\ub839 \ubc0f \ub0b4\ubd80 \uc815\ucc45\uc744 \uc900\uc218\ud558\uc9c0 \ubabb\ud558\uc5ec \ubc1c\uc0dd\ud558\ub294 \ubc95\uc801 \ub610\ub294 \uaddc\uc81c\uc801 \uc81c\uc7ac, \uc2e4\uc9c8\uc801 \uc7ac\uc815 \uc190\uc2e4 \ub610\ub294 \uba85\uc608 \ud6fc\uc190\uc758 \uac00\ub2a5\uc131\uc73c\ub85c \uc815\uc758\ub429\ub2c8\ub2e4. \ubc14\uc824 \uc704\uc6d0\ud68c \uc9c0\uce68 \ubc0f \uc601\uad6d\uc758 PRA\uc640 FCA\uc758 \ud504\ub808\uc784\uc6cc\ud06c\uc5d0\uc11c \ubc18\ubcf5\ub418\ub294 \uc774 \uc815\uc758\ub294 \uc870\uc9c1 \uc804\uccb4\uc758 \uc900\ubc95 \uc704\ud5d8\uc744 \uc2dd\ubcc4, \ud3c9\uac00, \ud1b5\uc81c \ubc0f \ubaa8\ub2c8\ud130\ub9c1\ud558\uae30 \uc704\ud55c \ud3ec\uad04\uc801\uc778 \ud504\ub85c\uadf8\ub7a8\uc744 \uc218\ub9bd\ud568\uc73c\ub85c\uc368 \uc740\ud589\uc774 \uc900\ubc95 \uc704\ud5d8\uc744 \uad00\ub9ac\ud558\ub294 \uae30\ucd08\ub97c \ud615\uc131\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud504\ub85c\uadf8\ub7a8\uc740 \uc804\uc0ac\uc801\uc778 \uc811\uadfc \ubc29\uc2dd, \ud6a8\uacfc\uc801\uc778 \uac10\ub3c5, \uadf8\ub9ac\uace0 \uc804\ubc18\uc801\uc778 \uae30\uc5c5 \uc9c0\ubc30 \uad6c\uc870 \ubc0f \ubb38\ud654\ub85c\uc758 \ud1b5\ud569\uc744 \ud544\uc694\ub85c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uaddc\uc81c \uc900\uc218 \uc704\ud5d8\uc740 \ub2e4\ub978 \uc740\ud589 \uc704\ud5d8 \uc720\ud615\uacfc \ub2e4\ub974\uba74\uc11c\ub3c4 \uadf8\ub4e4\uacfc \uae4a\uc774 \uc5f0\uacb0\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \uc2e0\uc6a9 \uc704\ud5d8\uc740 \ubd80\ub3c4 \ud655\ub960 \ubaa8\ub378\uc744 \ud1b5\ud574 \uc815\ub7c9\ud654\ub418\ub294 \ub300\ucd9c \ubd80\uc2e4\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4. \uc2dc\uc7a5 \uc704\ud5d8\uc740 VaR(Value-at-Risk) \uc9c0\ud45c\ub97c \ud1b5\ud574 \uce21\uc815\ub429\ub2c8\ub2e4. \uc720\ub3d9\uc131 \uc704\ud5d8\uc740 \uc720\ub3d9\uc131 \ucee4\ubc84\ub9ac\uc9c0 \ube44\uc728\uc744 \uc0ac\uc6a9\ud569\ub2c8\ub2e4. \uc6b4\uc601 \uc704\ud5d8\uc740 \uc2dc\uc2a4\ud15c \uc624\ub958\uc640 \uc778\uc801 \uc624\ub958\ub97c \ud3ec\ud568\ud569\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc774\ub4e4\uc740 \uc0c1\ud638 \uc791\uc6a9\uc774 \ub9e4\uc6b0 \uc2ec\uc624\ud569\ub2c8\ub2e4. \uc790\uae08\uc138\ud0c1\ubc29\uc9c0(AML) \ud1b5\uc81c \uc2e4\ud328\ub294 \ubcf5\uc6d0 \ube44\uc6a9\uc73c\ub85c \uc778\ud55c \uc6b4\uc601 \uc190\uc2e4\uacfc \uacf5\uac1c \uc2a4\uce94\ub4e4\ub85c \uc778\ud55c \ud3c9\ud310 \uc190\uc0c1\uc744 \ucd08\ub798\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2024\ub144 \ubc0f \uadf8 \uc774\ud6c4\uc758 \uaddc\uc815 \uc900\uc218 \uc694\uad6c \uc0ac\ud56d\uc744 \ud615\uc131\ud558\ub294 \uc8fc\uc694 \uaddc\uc81c \uc18c\uc2a4\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ubc14\uc824 \uc704\uc6d0\ud68c \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \ubc0f \uc6b4\uc601 \ubcf5\uc6d0\ub825 \uc6d0\uce59<\/li>\n\n\n\n<li>\uac00\uc0c1 \uc790\uc0b0 \ubc0f \ud655\uc0b0 \uae08\uc735\uc744 \uc704\ud574 2023\ub144\uc5d0 \uc5c5\ub370\uc774\ud2b8\ub41c FATF\uc758 40\uac00\uc9c0 \uad8c\uace0 \uc0ac\ud56d<\/li>\n\n\n\n<li>\uace0\uc704\ud5d8 \ubd80\ubb38\uc744 \uc704\ud55c AMLD6 \ubc0f \uc2dc\uc7a5 \uac74\uc804\uc131\uc744 \uc704\ud55c MiFID II\ub97c \ud3ec\ud568\ud55c EU \uc9c0\uce68<\/li>\n\n\n\n<li>\ub370\uc774\ud130 \ucc98\ub9ac \ubc0f \ubcf4\ud638\ub97c \uc704\ud55c GDPR<\/li>\n\n\n\n<li>PS24\/16\uc5d0 \ub530\ub978 \uc601\uad6d PRA \ubc0f FCA \uaddc\uce59 (\uc81c3\uc790 \ubcf5\uc6d0\ub825)<\/li>\n\n\n\n<li>\uc2a4\uc704\uc2a4 FINMA\uc758 2016\/8 \uc704\ud5d8 \uad00\ub9ac \uad00\ub828 \uc21c\ud658 \uaddc\uc815, \ud2b9\ud788 \uc774\uc0ac\ud68c \uac10\ub3c5 \uac15\uc870<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \ub9ac\uc2a4\ud06c \uad00\ub9ac \ud504\ub808\uc784\uc6cc\ud06c\uc758 \ud575\uc2ec \ubaa9\ud45c\ub294 \uc815\ucc45 \uc124\uacc4\ub97c \ud1b5\ud55c \uc608\ubc29, \ubaa8\ub2c8\ud130\ub9c1 \uc2dc\uc2a4\ud15c\uc744 \ud1b5\ud55c \ud0d0\uc9c0, \uc0ac\uace0 \uc5d0\uc2a4\uceec\ub808\uc774\uc158 \ud504\ub85c\ud1a0\ucf5c\uc744 \ud1b5\ud55c \ub300\uc751, \uadf8\ub9ac\uace0 \ud14c\uc2a4\ud2b8 \ubc0f \uac10\uc0ac \uacb0\uacfc\ub97c \ud1b5\ud55c \uc9c0\uc18d\uc801\uc778 \uac1c\uc120\uc5d0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 3\uac00\uc9c0 \ubc29\uc5b4\uc120 \ubaa8\ub378\uacfc \uc77c\uce58\ud558\ub294 \uc21c\ud658\uc801 \uc0dd\uba85\uc8fc\uae30\ub97c \ud615\uc131\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud604\ub300 \uc740\ud589\uc740 \uc774\ub7ec\ud55c \ubaa8\ub378 \ub0b4\uc5d0\uc11c \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4\ub97c \uccb4\uacc4\ud654\ud558\uba70, \uccab \ubc88\uc9f8 \ub77c\uc778\uc740 \ube44\uc988\ub2c8\uc2a4 \uc18c\uc720\uad8c\uc744, \ub450 \ubc88\uc9f8 \ub77c\uc778\uc740 \uaddc\uc815 \uc900\uc218 \ubc0f \ub9ac\uc2a4\ud06c \uae30\ub2a5\uc744 \ud1b5\ud55c \uac10\ub3c5\uc744, \uadf8\ub9ac\uace0 \uc138 \ubc88\uc9f8 \ub77c\uc778\uc740 \ub3c5\ub9bd\uc801\uc778 \uac10\uc0ac\ub97c \ud3ec\ud568\ud569\ub2c8\ub2e4. \ub450 \ubc88\uc9f8 \ub77c\uc778\uc758 \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \uae30\ub2a5\uc740 \ub3c5\ub9bd\uc801\uc778 \ubaa8\ub2c8\ud130\ub9c1\uc744 \uc218\ud589\ud558\uace0 \uc774\uc0ac\ud68c\uc5d0 \uc9c1\uc811 \ubcf4\uace0\ud558\uba70, \uc2e4\uc2dc\uac04 \uacbd\uace0\ub97c \uc704\ud574 \uae30\uc220\uc744 \ud65c\uc6a9\ud569\ub2c8\ub2e4. \uc774 \uad6c\uc870\ub294 \ubaa8\ub4e0 \uc740\ud589 \uc6b4\uc601 \uc804\ubc18\uc5d0 \uac78\uccd0 \ud6a8\uacfc\uc801\uc778 \ub9ac\uc2a4\ud06c \uad00\ub9ac\ub97c \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-major-compliance-risks-and-banking-risk-types\">\uc8fc\uc694 \uaddc\uc815 \uc900\uc218 \uc704\ud5d8 \ubc0f \uc740\ud589 \uc704\ud5d8 \uc720\ud615<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uaddc\uc815 \uc900\uc218 \uc704\ud5d8\uc740 \uc18c\ub9e4 \ubc0f \ub3c4\ub9e4 \ubd80\ubb38\uc758 \ubaa8\ub4e0 \uc8fc\uc694 \uc740\ud589 \uc704\ud5d8 \uc720\ud615 \ubc0f \uc0c1\ud488\uc5d0 \uac78\uccd0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc704\ud5d8\uc774 \uc5b4\ub5bb\uac8c \uc0c1\ud638 \uc791\uc6a9\ud558\ub294\uc9c0 \uc774\ud574\ud558\uba74 <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ko\/%ec%9d%80%ed%96%89%ec%9d%84-%ec%8b%9c%ec%9e%91%ed%95%98%eb%8a%94-%eb%b0%a9%eb%b2%95-%ea%b8%b0%ec%97%85%ea%b0%80%eb%a5%bc-%ec%9c%84%ed%95%9c-%eb%8b%a8%ea%b3%84%eb%b3%84-%ea%b0%80%ec%9d%b4%eb%93%9c\/\" target=\"_self\">\uc740\ud589 \uac74\uc124<\/a> \uaddc\uc81c \uc9d1\ud589\uc774\ub098 \uc7ac\uc815\uc801 \ucc98\ubc8c\ub85c \uc774\uc5b4\uc9c0\uae30 \uc804\uc5d0 \uc7a0\uc7ac\uc801\uc778 \uaddc\uc815 \uc900\uc218 \uc704\ud5d8\uc744 \ud574\uacb0\ud558\ub294 \ubcf4\ub2e4 \ud6a8\uacfc\uc801\uc778 \uaddc\uc815 \uc900\uc218 \ud504\ub85c\uadf8\ub7a8.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-anti-money-laundering-and-counter-terrorism-financing\">\uc790\uae08 \uc138\ud0c1 \ubc29\uc9c0 \ubc0f \ud14c\ub7ec \uc790\uae08 \uc870\ub2ec \uae08\uc9c0<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uac70\ub798 \ubaa8\ub2c8\ud130\ub9c1\uc758 \uc2e4\ud328\ub294 \uc0c1\ub2f9\ud55c \ucc98\ubc8c\ub85c \uc774\uc5b4\uc84c\uc2b5\ub2c8\ub2e4. \ub374\ub9c8\ud06c \ub2e8\uc2a4\ucf00 \uc740\ud589\uc740 2022\ub144 \uc5d0\uc2a4\ud1a0\ub2c8\uc544 \uc9c0\uc810\uc744 \ud1b5\ud55c \uc790\uae08 \uc138\ud0c1 \ud610\uc758\ub85c 11\uc5b5 \uc720\ub85c\uc758 \ubc8c\uae08\uc744 \ubd80\uacfc\ubc1b\uc558\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc0ac\ub840\ub4e4\uc740 \uc790\uae08 \uc138\ud0c1 \ubc29\uc9c0(AML) \uc2e4\ud328\uac00 \uc740\ud589\uc758 \uc704\ud5d8 \ud504\ub85c\ud544\uacfc \uc7ac\uc815 \uc548\uc815\uc131\uc5d0 \uc5bc\ub9c8\ub098 \ud30c\uad34\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\ub294\uc9c0 \ubcf4\uc5ec\uc8fc\uba70, \uc740\ud589\uc774 \uc740\ud589\uc758 \uc704\ud5d8 \ud504\ub85c\ud544 \ubcc0\ud654\ub97c \ubc18\uc601\ud558\uae30 \uc704\ud574 \uc704\ud5d8 \uad00\ub9ac \uc804\ub7b5\uc744 \uc815\uae30\uc801\uc73c\ub85c \uc5c5\ub370\uc774\ud2b8\ud574\uc57c \ud560 \ud544\uc694\uc131\uc744 \uac15\uc870\ud569\ub2c8\ub2e4. \uc774 \ubd84\uc57c\uc758 \ud6a8\uacfc\uc801\uc778 \uaddc\uc815 \uc900\uc218 \ubaa8\ub2c8\ud130\ub9c1\uc740 \uc790\uae08 \uc138\ud0c1 \ubc0f \ud14c\ub7ec \uc790\uae08 \uc870\ub2ec\uc744 \ud1f4\uce58\ud558\uae30 \uc704\ud574 FATF \uae30\uc900\uc5d0 \ubd80\ud569\ud558\ub294 \uac15\ub825\ud55c \uac70\ub798 \uac10\uc2dc \ubc0f \uc758\uc2ec \ud65c\ub3d9 \ubcf4\uace0\ub97c \ud544\uc694\ub85c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-sanctions-and-kyc\">\uc81c\uc7ac \ubc0f KYC<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc81c\uc7ac \uc2ec\uc0ac \ubbf8\ud761\uc740 \uc2ec\uac01\ud55c \uacb0\uacfc\ub97c \ucd08\ub798\ud569\ub2c8\ub2e4. \ucf54\uba54\ub974\uce20\ubc29\ud06c\ub294 2023\ub144 \uc774\ub780 \uad00\ub828 \uac70\ub798 \uc704\ubc18\uc73c\ub85c 1\uc870 4,100\uc5b5 \uc720\ub85c\uc758 \ubc8c\uae08\uc744 \ubd80\uacfc\ubc1b\uc558\uc2b5\ub2c8\ub2e4. \ud55c\ud3b8, HSBC\ub294 2022\ub144 \ubd80\uc2e4\ud55c \uace0\uac1d \uc2e0\uc6d0 \ud655\uc778(KYC) \uad00\ub9ac\ub85c \uc778\ud574 \ubbf8\uad6d \ub2f9\uad6d\uc5d0 1\uc870 9,000\uc5b5 \uc720\ub85c\ub97c \ub0a9\ubd80\ud588\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc2e4\uc9c8\uc801 \uc18c\uc720\uc8fc \ud655\uc778 \ubc0f \uc815\uce58\uc778 \ub4f1 \uace0\uc704\uc9c1 \uc778\uc0ac(PEP) \uc2ec\uc0ac \ubd84\uc57c\uc5d0\uc11c \uace0\uac1d \uc2e4\uc0ac \uc694\uac74\uc774 \uc9c0\uc18d\uc801\uc73c\ub85c \uac15\ud654\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-data-privacy-and-cybersecurity\">\ub370\uc774\ud130 \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638 \ubc0f \uc0ac\uc774\ubc84 \ubcf4\uc548<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">GDPR\uc5d0 \ub530\ub77c \uc544\ub9c8\uc874\uc740 2021\ub144\uc5d0 7\uc5b5 4,600\ub9cc \uc720\ub85c\uc758 \ubc8c\uae08\uc744 \ubd80\uacfc\ubc1b\uc558\uc73c\uba70, \uce90\ud53c\ud138 \uc6d0\uc758 2019\ub144 \uc0ac\uac74\uacfc \uac19\uc740 \ub370\uc774\ud130 \uc720\ucd9c \uc0ac\uace0\ub85c 1\uc5b5 \uac74\uc758 \uae30\ub85d\uc774 \ub178\ucd9c\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc0ac\uc774\ubc84 \ubcf4\uc548 \uaddc\uc815 \uc900\uc218 \uc704\ud5d8\uc740 \uc774\uc81c \uc740\ud589 \ubd80\ubb38 \uac10\ub3c5 \uae30\uad00\uc758 \ucd5c\uc6b0\uc120 \uacfc\uc81c \uc911 \ud558\ub098\uc774\uba70, \ub370\uc774\ud130 \uc720\ucd9c\uc740 \uaddc\uc81c \ub178\ucd9c\uacfc \ud3c9\ud310 \uc704\ud5d8 \ubaa8\ub450\ub97c \uc57c\uae30\ud569\ub2c8\ub2e4. \ubbfc\uac10\ud55c \uace0\uac1d \ub370\uc774\ud130\ub97c \ubcf4\ud638\ud558\ub294 \uac83\uc740 \ud575\uc2ec \uaddc\uc815 \uc900\uc218 \uc758\ubb34\uac00 \ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-consumer-protection-and-market-conduct\">\uc18c\ube44\uc790 \ubcf4\ud638 \ubc0f \uc2dc\uc7a5 \ud589\uc704<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uacf5\uc815 \ub300\ucd9c, \uc801\ud569\uc131 \ubc0f \uc2dc\uc7a5 \ub0a8\uc6a9\uc5d0 \uad00\ud55c \uaddc\uc81c \uc694\uac74\uc740 \uacc4\uc18d \ud655\ub300\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. MiFID II\ub294 \uc0c1\uc138\ud55c \uae30\ub85d \ubcf4\uad00 \ubc0f \ucd5c\uc801 \uc2e4\ud589 \uc99d\uba85\uc744 \uc758\ubb34\ud654\ud569\ub2c8\ub2e4. \ud589\uc704 \uaddc\uce59 \ubbf8\uc900\uc218\ub294 \uae08\uc804\uc801 \ucc98\ubc8c\uacfc \uc0ac\uc5c5 \ud65c\ub3d9 \uc81c\ud55c\uc744 \ubaa8\ub450 \ucd08\ub798\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uae30\uc874 \uc740\ud589\uc758 \uc704\ud5d8 \uc720\ud615\uc740 \uaddc\uc815 \uc900\uc218 \ubd80\uc871\uc73c\ub85c \uc99d\ud3ed\ub429\ub2c8\ub2e4. \ubd80\uc2e4\ud55c KYC\ub294 \uc0ac\uae30 \ub300\ucd9c\uc790\ub97c \ud0d0\uc9c0\ud558\uc9c0 \ubabb\ud558\uac8c \ud568\uc73c\ub85c\uc368 \uc2e0\uc6a9 \uc704\ud5d8\uc744 \ub192\uc785\ub2c8\ub2e4. \uc81c\uc7ac \uc704\ubc18\uc740 \uc790\uc0b0 \ub3d9\uacb0\uc744 \ud1b5\ud574 \uc720\ub3d9\uc131 \uc704\ud5d8\uc744 \uc545\ud654\uc2dc\ud0b5\ub2c8\ub2e4. \uc218\uc791\uc5c5 \uacf5\uc815 \uc624\ub958\ub85c \uc778\ud574 \uc6b4\uc601 \uc704\ud5d8\uc774 \uae09\uc99d\ud558\uba70, \ubaa8\ub4e0 \ubc94\uc8fc\uc5d0\uc11c \ud3c9\ud310 \uc704\ud5d8\uc774 \uc5f0\uc1c4\uc801\uc73c\ub85c \ubc1c\uc0dd\ud569\ub2c8\ub2e4. \uad6d\uacbd \uac04 \uac70\ub798 \ubc0f \ud504\ub77c\uc774\ube57 \ubc45\ud0b9\uc740 \uc2e0\ud0c1\uc774\ub098 \uc720\ub839 \ud68c\uc0ac\ub97c \ud1b5\ud574 \ubd88\ud22c\uba85\ud574\uc9c4 \ubcf5\uc7a1\ud55c \uc2e4\uc18c\uc720\uc8fc \uad6c\uc870\ub85c \uc778\ud574 \uc2ec\uac01\ud55c \ubb38\uc81c\uc5d0 \uc9c1\uba74\ud574 \uc788\uc73c\uba70, \uc774\ub294 \uc0ac\uae30, \uc81c\uc7ac, \uc790\uae08 \uc138\ud0c1 \uc720\ud615 \uc804\ubc18\uc5d0 \uac78\uce5c \uace0\uae09 \ub370\uc774\ud130 \uc0c1\ud638 \uc6b4\uc6a9\uc131\uc744 \uc694\uad6c\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-regulatory-expectations-and-governance-of-compliance-risk\">\uaddc\uc81c \uae30\ub300\uce58 \ubc0f \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \ub9ac\uc2a4\ud06c \uac70\ubc84\ub10c\uc2a4<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ubc14\uc824 \uc740\ud589 \uac10\ub3c5 \uc704\uc6d0\ud68c \ubc0f FATF \uad8c\uace0\uc5d0 \ub530\ub978 \uad6d\uc81c \ud45c\uc900\uc740 \uc804\uc0ac\uc801 \uaddc\uc815 \uc900\uc218 \uc704\ud5d8 \uad00\ub9ac\ub97c \uc758\ubb34\ud654\ud558\uba70, \ud604\uc9c0 \uac10\ub3c5 \ub2f9\uad6d\ub3c4 \uc774\ub7ec\ud55c \uae30\ub300\ub97c \ubc18\uc601\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubbf8\uad6d \uc5f0\ubc29\uc900\ube44\uc81c\ub3c4\ub294 CECL \ubc0f ALM \ud504\ub85c\uc138\uc2a4\uc5d0\uc11c \ubbf8\ub798 \uc608\uce21 \ubaa8\ub378\ub9c1\uc744 \uac15\uc870\ud558\uace0, \uc720\ub7fd\uc911\uc559\uc740\ud589\uc740 SSM \uac80\ud1a0\uc5d0\uc11c \uc911\uc694\ud55c \uc704\ud5d8\uc5d0 \uc9d1\uc911\ud569\ub2c8\ub2e4. \uc601\uad6d PRA \ubc0f FCA\ub294 PS24\/16\uc5d0 \ub530\ub77c \uc81c3\uc790 \ud68c\ubcf5\ub825 \ud14c\uc2a4\ud2b8\ub97c \uc694\uad6c\ud558\uba70, \uc2a4\uc704\uc2a4 FINMA\uc758 2018\/3 \uc21c\ud658 \uacf5\uace0\ub294 \ud1b5\ud569\ub41c \uc704\ud5d8 \ub370\uc774\ud130 \uc9d1\uacc4\ub97c \uc694\uad6c\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc804\uc0ac\uc801 \uaddc\uc815 \uc900\uc218 \uac10\ub3c5<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub300\ud615 \uae08\uc735 \uadf8\ub8f9\uc5d0\uc11c \uac10\ub3c5\uc740 \uc77c\ubc18\uc801\uc73c\ub85c \uc804 \uc138\uacc4\uc801\uc778 \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \ucc45\uc784\uc790\uac00 \uae30\uc900\uc744 \uc124\uc815\ud558\uace0, \uc9c0\uc5ed\ubcc4 \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \ucc45\uc784\uc790\uac00 \ud604\uc9c0 \uaddc\uc81c \uc694\uad6c \uc0ac\ud56d\uc5d0 \ub9de\ucdb0 \uc870\uc815\ud558\uba70, \uad6d\uac00\ubcc4 \ucc45\uc784\uc790\uac00 \uc2e4\ud589\uc744 \ubcf4\uc7a5\ud558\ub294 \uac83\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4. \uc804\uc0ac\uc801 \uc815\ucc45\uc740 \ubbf8\uad6d \ubcf4\uace0 \uc758\ubb34\uc5d0 \ub300\ud55c FATCA\uc640 \uac19\uc740 \uac1c\ubcc4 \ubc95\uc778 \uc694\uad6c \uc0ac\ud56d\uc5d0 \ub9de\ucdb0\uc57c \ud569\ub2c8\ub2e4. \uc774 \uad6c\uc870\ub294 \ud604\uc9c0 \uaddc\uc81c \ud658\uacbd\uc758 \ucc28\uc774\ub97c \uc874\uc911\ud558\uba74\uc11c\ub3c4 \uad00\ud560\uad8c \uc804\ubc18\uc5d0 \uac78\uccd0 \uc77c\uad00\ub41c \uc704\ud5d8 \uad00\ub9ac \uad00\ud589\uc744 \ubcf4\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc774\uc0ac\ud68c \ucc45\uc784<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\uc0ac\ud68c\ub294 \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \uac70\ubc84\ub10c\uc2a4\uc5d0 \ub300\ud55c \ucd5c\uc885 \ucc45\uc784\uc744 \uc9d1\ub2c8\ub2e4. \uc8fc\uc694 \uc758\ubb34\uc5d0\ub294 \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \uc704\ud5d8 \uc218\uc6a9 \uc131\uba85\uc11c \uc2b9\uc778, \ud504\ub808\uc784\uc6cc\ud06c \ud6a8\ub2a5 \uac10\ub3c5, \uadfc\ubcf8 \uc6d0\uc778 \ubd84\uc11d\uc774 \ud3ec\ud568\ub41c \ubd84\uae30\ubcc4 \uc704\ubc18 \ubcf4\uace0\uc11c \uc218\uc2e0, \uacbd\uc601\uc9c4\uc5d0\uac8c \uc2dc\uc815 \uae30\ud55c\uc5d0 \ub300\ud574 \uc9c8\uc758\ud558\ub294 \uac83\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4. \uc774\uc0ac\ud68c \ucc28\uc6d0\uc758 \uc2e4\ud328\ub294 \uc601\uad6d\uc758 HBOS \uc2a4\uce94\ub4e4\uacfc \uac19\uc740 \uc0ac\ub840\uc5d0\uc11c \uc774\uc0ac \uc790\uaca9 \ubc15\ud0c8\ub85c \uc774\uc5b4\uc84c\uc2b5\ub2c8\ub2e4. \ud6a8\uacfc\uc801\uc778 \uc774\uc0ac\ud68c\ub294 \uba85\ud655\ud55c \uc704\ud5d8 \ud5c8\uc6a9 \uc218\uc900\uc744 \uc124\uc815\ud558\uace0 \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \uae30\ub2a5\uc5d0 \ucda9\ubd84\ud55c \ub3c5\ub9bd\uc131\uacfc \uc790\uc6d0\uc744 \ubcf4\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uace0\uc704 \uacbd\uc601\uc9c4\uc758 \uc758\ubb34<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ucd5c\uace0 \uacbd\uc601\uc9c4\uc740 \ucd5c\uace0\uc704\uce35\uc758 \ubd84\uc704\uae30\ub97c \ud1b5\ud574 \uac15\ub825\ud55c \uaddc\uc815 \uc900\uc218 \ubb38\ud654\ub97c \uc870\uc131\ud574\uc57c \ud569\ub2c8\ub2e4. \uc5ec\uae30\uc5d0\ub294 \uaddc\uc815 \uc900\uc218 \uae30\ub2a5\uc5d0 \ub300\ud574 \uc885\uc885 \ub9e4\ucd9c\uc561\uc758 1~2%\uc5d0 \ud574\ub2f9\ud558\ub294 \ucda9\ubd84\ud55c \uc608\uc0b0\uc744 \ud560\ub2f9\ud558\uace0, \uaddc\uc815 \uc704\ubc18\uc5d0 \ub300\ud55c \ud658\uc218 \uc870\uce58\ub97c \ud1b5\ud574 \uaddc\uc815 \uc900\uc218 \uc704\ud5d8\uc744 \uc804\ub7b5 \ubc0f \ubcc0\ub3d9 \uc0c1\uc5ec\uc5d0 \ud1b5\ud569\ud558\uba70, 24\uc2dc\uac04 \ud56b\ub77c\uc778\uacfc \uac19\uc740 \ubcf4\uace0 \ucc44\ub110\uc744 \uad6c\ucd95\ud558\ub294 \uac83\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4. \ub3c5\ub9bd\uc131\uc740 \uc774\uc0ac\ud68c\uc5d0 \uc9c1\uc811 \uc811\uadfc\ud558\uace0, \uc0ac\uc5c5\ubd80\uc640 \ubd84\ub9ac\ub41c \ubcf4\uace0 \ub77c\uc778\uc744 \uac00\uc9c0\uba70, \ub9e4\ucd9c \ubaa9\ud45c\uc640 \uc5f0\uad00\ub418\uc9c0 \uc54a\uc740 \uc131\uacfc \uc9c0\ud45c\ub97c \ud1b5\ud574 \ubcf4\uc7a5\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uaddc\uc815 \uc900\uc218 \ub2f4\ub2f9\uc790\ub294 \ubcf4\ubcf5\uc5d0 \ub300\ud55c \ub450\ub824\uc6c0 \uc5c6\uc774 \ubb38\uc81c\ub97c \uc5d0\uc2a4\uceec\ub808\uc774\uc158\ud560 \uc218 \uc788\ub294 \uad8c\ud55c\uacfc \uc704\ud5d8\uc744 \ud6a8\uacfc\uc801\uc73c\ub85c \ubaa8\ub2c8\ud130\ub9c1\ud560 \uc218 \uc788\ub294 \ucda9\ubd84\ud55c \uc790\uc6d0\uc744 \uac00\uc838\uc57c \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uac70\ubc84\ub10c\uc2a4 \uad6c\uc870\ub294 \ubcf5\uc7a1\ud55c \uc740\ud589 \uc870\uc9c1 \uc804\ubc18\uc5d0 \uac78\uccd0 \uaddc\uc815 \uc900\uc218\ub97c \uc720\uc9c0\ud558\ub294 \ub3d9\uc2dc\uc5d0 \ubc1c\uc0dd\ud558\ub294 \uaddc\uc815 \uc900\uc218 \ubb38\uc81c\uc5d0 \uc2e0\uc18d\ud558\uac8c \ub300\uc751\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-core-components-of-a-bank-compliance-risk-management-framework\">\uc740\ud589 \uaddc\uc81c \uc900\uc218 \uc704\ud5d8 \uad00\ub9ac \ud504\ub808\uc784\uc6cc\ud06c\uc758 \ud575\uc2ec \uad6c\uc131 \uc694\uc18c<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uccb4\uacc4\uc801\uc778 \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \uc704\ud5d8 \uad00\ub9ac \ub77c\uc774\ud504\uc0ac\uc774\ud074\uc740 \uc81c\ud488, \uad00\ud560\uad8c \ubc0f \uace0\uac1d\uc744 \uc2a4\uce94\ud558\ub294 \uc804\uc0ac\uc801 \ud3c9\uac00\ub97c \ud1b5\ud574 \uc704\ud5d8\uc744 \uc2dd\ubcc4\ud558\ub294 \uac83\uc73c\ub85c \uc2dc\uc791\ub429\ub2c8\ub2e4. \uc774\ub294 \uc810\uc218 \ubaa8\ub378 \ubc0f \ud788\ud2b8 \ub9f5\uc744 \uc0ac\uc6a9\ud55c \ud3c9\uac00, \ud1b5\uc81c \uc124\uacc4, \ubaa8\ub2c8\ud130\ub9c1, \ud14c\uc2a4\ud2b8, \ubcf4\uace0 \ubc0f \uad50\uc721\uc744 \uac70\uccd0 \uc9c4\ud589\ub429\ub2c8\ub2e4. \uac01 \uad6c\uc131 \uc694\uc18c\ub294 \ubc95\ub960\uc744 \ub0b4\ubd80 \uc815\ucc45\uc5d0 \ub9e4\ud551\ud558\ub294 \uaddc\uc81c \ubaa9\ub85d\uc744 \ud1b5\ud574 \uc815\ubcf4\ub97c \uc81c\uacf5\ubc1b\uc544\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-regulatory-and-policy-inventory-management\">\uaddc\uc81c \ubc0f \uc815\ucc45 \uc7ac\uace0 \uad00\ub9ac<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc740\ud589\uc740 \uc5ec\ub7ec \uad00\ud560 \uad6c\uc5ed\uc5d0 \uac78\uce5c \uaddc\uc81c \ubcc0\uacbd \uc0ac\ud56d\uc744 \ucd94\uc801\ud558\ub294 \uc911\uc559 \uc9d1\uc911\uc2dd \uc800\uc7a5\uc18c\ub97c \uc720\uc9c0\ud574\uc57c \ud569\ub2c8\ub2e4. \uc5ec\uae30\uc5d0\ub294 GDPR\uc758 \ub370\uc774\ud130 \ucd5c\uc18c\ud654 \uc6d0\uce59, AMLD6\uc758 \uc2e4\uc9c8\uc801 \uc18c\uc720\uc790 \ub4f1\ub85d\ubd80, FATCA\uc758 30% \uc6d0\ucc9c\uc9d5\uc218 \ubc8c\uce59, \uadf8\ub9ac\uace0 \uc2a4\uc704\uc2a4 \uc740\ud589\ubc95 \uc81c10\uc870\uc640 \uac19\uc740 \uc2e4\uc0ac \uad00\ub828 \ud604\uc9c0 \ubc95\ub960\uc758 \uc694\uac74\uc744 \ubc18\uc601\ud558\ub294 \uc791\uc5c5\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4. \uad00\ub828 \uc815\ucc45\uc740 \ubc84\uc804 \uad00\ub9ac\ub97c \uc218\ud589\ud558\uace0 \uac10\uc0ac \ucd94\uc801\uc744 \uc704\ud574 \ube44\uc988\ub2c8\uc2a4 \ud504\ub85c\uc138\uc2a4\uc640 \uc5f0\uacc4\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-risk-identification-and-assessment\">\uc704\ud5d8 \uc2dd\ubcc4 \ubc0f \ud3c9\uac00<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc815\uae30\uc801\uc778 \uae30\uc5c5 \uc704\ud5d8 \ud3c9\uac00, FINMA\uc640 \uac19\uc740 \uac10\ub3c5\uae30\uad00\uc774 \ub9e4\ub144 \uc758\ubb34\ud654\ud558\ub294 \uac83\uc740 \uc704\ud5d8 \uc2dd\ubcc4\uc758 \uae30\ucd08\ub97c \ud615\uc131\ud569\ub2c8\ub2e4. \uc81c\ud488 \ubc0f \uad00\ud560\uad8c \uc810\uc218 \ud3c9\uac00\ub294 \uace0\uc720 \uc704\ud5d8\uc744 \ud3c9\uac00\ud558\uba70, \uc554\ud638\ud654\ud3d0 \uc11c\ube44\uc2a4 \ub610\ub294 PEP \uad00\uacc4\uc640 \uac19\uc740 \uc601\uc5ed\uc5d0 \ub300\ud574 \uace0\uc704\ud5d8 \ub4f1\uae09\uc774 \uc9c0\uc815\ub429\ub2c8\ub2e4. \uc704\ud5d8 \ubd84\ub958 \uccb4\uacc4\ub294 \ub178\ucd9c\uc744 \uc720\ud615\ubcc4\ub85c \ubd84\ub958\ud558\uace0, \ud788\ud2b8 \ub9f5\uc740 \uc9d1\uc911\ub3c4\ub97c \uc2dc\uac01\ud654\ud569\ub2c8\ub2e4. \uaddc\uc81c \uae30\uad00\uc740 \uc815\uc801 \uae30\uc900\uc120\uc744 \ub118\uc5b4\uc120 \uc2dc\ub098\ub9ac\uc624 \ubd84\uc11d\uc5d0 \ub300\ud55c \uc99d\uac70\ub97c \uc810\uc810 \ub354 \uc694\uad6c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-internal-control-design\">\ub0b4\ubd80 \ud1b5\uc81c \uc124\uacc4<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc81c\uc5b4 \uad6c\ud604\uc5d0\ub294 \uc0dd\uccb4 \uc778\uc2dd \ud655\uc778\uc744 \ud1b5\ud55c \uace0\uac1d \uc628\ubcf4\ub529 \uc6cc\ud06c\ud50c\ub85c\uc6b0\uac00 \ud3ec\ud568\ub418\uc5b4 \uc628\ubcf4\ub529 \uc2dc\uac04\uc744 \uba87 \uc8fc\uc5d0\uc11c \uba87 \uc2dc\uac04\uc73c\ub85c \ub2e8\ucd95\ud558\uace0, AI \uc784\uacc4\uac12\uc744 \ud1b5\ud55c \uc774\uc0c1 \uc9d5\ud6c4\ub97c \ud50c\ub798\uadf8 \uc9c0\uc815\ud558\ub294 \uac70\ub798 \ubaa8\ub2c8\ud130\ub9c1 \uaddc\uce59, \ud37c\uc9c0 \ub9e4\uce6d\uc744 \uc0ac\uc6a9\ud55c \ud3ec\uad04\uc801\uc778 \uac10\uc2dc \ubaa9\ub85d\uc5d0 \ub300\ud55c \uc81c\uc7ac \uc2a4\ud06c\ub9ac\ub2dd, GDPR\uc5d0 \ub530\ub978 \uc5ed\ud560 \uae30\ubc18 \uc81c\uc5b4\ub97c \ud1b5\ud55c \ub370\uc774\ud130 \uc561\uc138\uc2a4, MiFID II \uc694\uad6c \uc0ac\ud56d\uc5d0 \ub530\ub77c \ucd5c\ub300 10\ub144\uae4c\uc9c0 \ubcf4\uc720 \uae30\uac04\uc744 \uc5f0\uc7a5\ud558\ub294 \uae30\ub85d \ubcf4\uad00\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-compliance-monitoring-and-testing\">\uaddc\uc815 \uc900\uc218 \ubaa8\ub2c8\ud130\ub9c1 \ubc0f \ud14c\uc2a4\ud2b8<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">2\ucc28 \uc900\ubc95\uac10\uc2dc \uae30\ub2a5\uc740 \ubb34\uc5ed \uae08\uc735 \ub4f1 \ud2b9\uc815 \ubd84\uc57c\ub97c \ub300\uc0c1\uc73c\ub85c \ud55c \uc8fc\uc81c\ubcc4 \uac80\ud1a0\ub97c \ud3ec\ud568\ud55c \uc5f0\uac04 \ubaa8\ub2c8\ud130\ub9c1 \uacc4\ud68d\uc744 \uc218\ud589\ud569\ub2c8\ub2e4. 95% \uc2e0\ub8b0 \uc218\uc900\uc5d0 \ub530\ub978 \ud45c\ubcf8 \uac80\uc99d\uc744 \ud1b5\ud574 \ud1b5\uc81c \ud6a8\uacfc\uc131\uc744 \uac80\uc99d\ud569\ub2c8\ub2e4. 3\ucc28 \uc900\ubc95\uac10\uc2dc \uae30\ub2a5\uc778 \ub0b4\ubd80 \uac10\uc0ac\ud300\uacfc\uc758 \ud611\ub825\uc744 \ud1b5\ud574 \ud3ec\uad04\uc801\uc778 \uac80\ud1a0\uac00 \uc774\ub8e8\uc5b4\uc9d1\ub2c8\ub2e4. \ud604\ub300\uc801\uc778 \uc900\ubc95\uac10\uc2dc \ud504\ub85c\uc138\uc2a4\ub294 \ubb38\uc11c\ub97c \uc911\uc559 \uc9d1\uc911\ud654\ud558\uc5ec, \uaddc\uc81c \ub2f9\uad6d\uc774 \ub3c5\ub9bd\uc801\uc778 \ubcf4\uace0\uc11c\uc5d0 \uc758\uc874\ud558\ub294 \uc6d0\uaca9 \uc2ec\uc0ac\uac00 \uac00\ub2a5\ud558\ub3c4\ub85d \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-training-and-culture\">\ud6c8\ub828\uacfc \ubb38\ud654<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\ub300\uc2dc\ubcf4\ub4dc\ub97c \ud1b5\ud574 \ucd94\uc801\ub418\ub294 90% \uc774\uc0c1\uc758 \uc774\uc218\uc728\uc744 \uae30\ub85d\ud55c \uc758\ubb34\uc801 \uc5f0\ub840 \uc774\ub7ec\ub2dd \ud504\ub85c\uadf8\ub7a8\uc740 \uc870\uc9c1 \uc804\ubc18\uc758 \uaddc\uc815 \uc900\uc218 \ud65c\ub3d9\uc744 \ub4b7\ubc1b\uce68\ud569\ub2c8\ub2e4. \ud504\ub7f0\ud2b8\uc624\ud53c\uc2a4 \uc9c1\uc6d0\uc744 \ub300\uc0c1\uc73c\ub85c \ud55c \uc9c1\ubb34\ubcc4 \uad50\uc721\uc740 \ud589\ub3d9 \uad00\ub828 \uc704\ud5d8\uacfc \uc5c5\uacc4 \ud45c\uc900\uc744 \ub2e4\ub8f9\ub2c8\ub2e4. \uacbd\uc601\uc9c4\uc758 \uc18c\ud1b5\uc744 \ud1b5\ud574 \uc724\ub9ac \uae30\uc900\uc774 \uac15\ud654\ub418\uba70, \uc131\uacfc\uac00 \uc6b0\uc218\ud55c \uc740\ud589\ub4e4\uc740 \uc9c0\uc18d\uc801\uc778 \ubb38\ud654 \uc815\ucc29 \ud504\ub85c\uadf8\ub7a8\uc744 \ud1b5\ud574 \uaddc\uc815 \uc704\ubc18 \uc0ac\uace0\ub97c 25~30% \uac10\uc18c\uc2dc\ucf30\ub2e4\uace0 \ubcf4\uace0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-risk-based-compliance-management-and-enterprise-wide-integration\">\ub9ac\uc2a4\ud06c \uae30\ubc18 \uaddc\uc815 \uc900\uc218 \uad00\ub9ac \ubc0f \uc804\uc0ac\uc801 \ud1b5\ud569<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc704\ud5d8 \uae30\ubc18 \uaddc\uc815 \uc900\uc218 \uad00\ub9ac\ub294 \uc911\uc694\ub3c4\uc5d0 \ube44\ub840\ud558\uc5ec \uc790\uc6d0\uc744 \ud560\ub2f9\ud558\uc5ec, \uc800\uc704\ud5d8 \uc18c\ub9e4 \uc608\uae08\ubcf4\ub2e4 \uad6d\uacbd \uac04 PEP \uad00\uacc4 \ub610\ub294 \uc554\ud638\ud654\ud3d0 \uc0c1\ud488\uacfc \uac19\uc740 \uace0\uc704\ud5d8 \uc601\uc5ed\uc744 \uc6b0\uc120\uc2dc\ud569\ub2c8\ub2e4. \uc774 \uc811\uadfc \ubc29\uc2dd\uc740 2025\ub144 \uc704\ud5d8 \uae30\ubc18 \uac10\ub3c5\uc73c\ub85c\uc758 \uaddc\uc81c \ubcc0\ud654\uc640 \uc77c\uce58\ud558\uba70, \uc219\ub828\ub41c \uae30\uad00\uc758 \uacbd\uc6b0 \uac80\uc0ac \uc8fc\uae30\uac00 \uc5f0\uc7a5\ub418\ub294 \ubc18\uba74 \ub4a4\ucc98\uc9c0\ub294 \uae30\uad00\uc740 \uac15\ud654\ub41c \uc870\uc0ac\ub97c \ubc1b\uac8c \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc740\ud589\ub4e4\uc740 1% \ubbf8\ub9cc\uc758 \uc624\uacbd\ubcf4\uc728\uacfc \uac19\uc740 \uc815\ub7c9\uc801 \ud55c\ub3c4\ub97c \ud3ec\ud568\ud558\ub294 \uc774\uc0ac\ud68c \uc2b9\uc778 \uc131\uba85\uc744 \ud1b5\ud574 \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \uc704\ud5d8 \uc218\uc6a9 \ubc94\uc704\ub97c \uc815\uc758\ud569\ub2c8\ub2e4. \uc8fc\uc694 \uc704\ud5d8 \uc9c0\ud45c\ub294 \uc5f0\uccb4\ub41c KYC \uac80\ud1a0 \ubc0f \uc81c\uc7ac \ub300\uc0c1\uc790 \uc2a4\ud06c\ub9ac\ub2dd \uc801\uc911 \uac74\uc218 \ub4f1\uc758 \uc9c0\ud45c\ub97c \ucd94\uc801\ud569\ub2c8\ub2e4. \ud55c\ub3c4 \ucd08\uacfc \uc2dc \ub2e8\uacc4\ubcc4 \ub300\uc751 \uc808\ucc28\uac00 \ubc1c\ub3d9\ub418\uba70, 80% \uc0ac\uc6a9 \uc2dc \ud669\uc0c9 \uacbd\ubcf4\uac00, 100% \uc0ac\uc6a9 \uc2dc \uc801\uc0c9 \uacbd\ubcf4\uac00 \ubc1c\ub839\ub429\ub2c8\ub2e4. \uc790\ub3d9\ud654\ub41c \ub300\uc2dc\ubcf4\ub4dc\ub294 \uc0ac\uc5c5 \ubd80\ubb38 \uc804\ubc18\uc758 \uc704\ud5d8 \ub178\ucd9c \uc0c1\ud669\uc744 \uc2e4\uc2dc\uac04\uc73c\ub85c \ubaa8\ub2c8\ud130\ub9c1\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uae30\uc5c5 \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc640\uc758 \ud1b5\ud569\uc740 ICAAP \ubc0f ICLAAP \ud504\ub85c\uc138\uc2a4\uc5d0 \uaddc\uc815 \uc900\uc218\ub97c \ub0b4\uc7ac\ud654\ud558\uc5ec, \uaddc\uc815 \uc900\uc218 \uc2e4\ud328\uac00 2\ub2e8\uacc4\uc5d0 \ub530\ub77c \uc790\ubcf8 \uc644\ucda9\uc5d0 \uc9c1\uc811\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce58\ub3c4\ub85d \ud569\ub2c8\ub2e4. \ud1b5\ud569 \ub370\uc774\ud130 \ud50c\ub7ab\ud3fc\uc740 \uc0ac\uc774\ubc84 \uce68\ud574\uac00 \uc6b4\uc601\uc0c1\uc758 \ud63c\ub780\uc744 \ud1b5\ud574 \uc720\ub3d9\uc131\uc744 \uc5b4\ub5bb\uac8c \uc57d\ud654\uc2dc\ud0ac \uc218 \uc788\ub294\uc9c0\uc640 \uac19\uc740 \uc0c1\ud638 \uc791\uc6a9\uc744 \ubaa8\ub378\ub9c1\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud1b5\ud569\uc740 \uae30\uc5c5 \ub9ac\uc2a4\ud06c \ud504\ub808\uc784\uc6cc\ud06c\uac00 \uc804\ud1b5\uc801\uc778 \ub9ac\uc2a4\ud06c \uc720\ud615\uacfc \ud568\uaed8 \uaddc\uc815 \uc900\uc218 \ucc28\uc6d0\uc744 \ud3ec\ucc29\ud558\ub3c4\ub85d \ubcf4\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uac70\ubc84\ub10c\uc2a4, \ub9ac\uc2a4\ud06c \ubc0f \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \ud50c\ub7ab\ud3fc\uc740 \uc9c0\uc810 \uac04 \uacf5\uc720 \ub9ac\uc2a4\ud06c \ucf54\ub4dc\ub97c \ud1b5\ud574 \ubd84\ub958 \uccb4\uacc4\ub97c \ud45c\uc900\ud654\ud568\uc73c\ub85c\uc368 \uc774\ub7ec\ud55c \ub178\ub825\uc744 \ud1b5\ud569\ud569\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 API\ub97c \ud65c\uc6a9\ud574 \uc790\ud68c\uc0ac\ub85c\ubd80\ud130 \uadf8\ub8f9 \ucc28\uc6d0\uc758 \ub370\uc774\ud130\ub97c \uc9d1\uacc4\ud560 \uc218 \uc788\uac8c \ub418\uba70, \uc5c5\uacc4 \uc870\uc0ac\uc5d0 \ub530\ub974\uba74 \uc57d 70%\uc758 \uc740\ud589\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \uc870\uc9c1 \ub0b4 \uc0ac\uc77c\ub85c\ub97c \ud574\uc18c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc2e4\uc9c8\uc801\uc778 \uc608\ub85c\ub294 \ubd84\uae30\ubcc4 \uae30\uc5c5 \uc704\ud5d8 \ud3c9\uac00\uac00 \ub300\uaddc\ubaa8 \uc81c\uc7ac \uc5c5\ub370\uc774\ud2b8\uc640 \uac19\uc740 \uc0ac\uac74\uc744 \uc2dc\ubbac\ub808\uc774\uc158\ud558\ub294 \uc2dc\ub098\ub9ac\uc624 \ubd84\uc11d\uc5d0 \ubc18\uc601\ub418\ub294 \uac83\uc744 \ub4e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ud575\uc2ec \uc704\ud5d8 \uc9c0\ud45c\ub97c \uc774\uc0ac\ud68c \uac80\ud1a0\ub97c \uc704\ud55c \uc870\uae30 \uacbd\ubcf4 \uc9c0\ud45c\uc640 \uc5f0\uacb0\ud558\uc5ec \ubcc0\ub3d9\uc131\uc774 \ud070 \uae08\ub9ac\uc640 \uc608\uae08 \uacbd\uc7c1 \uc18d\uc5d0\uc11c \uc120\uc81c\uc801\uc778 \uc870\uc815\uc744 \ucd09\uc9c4\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc704\ud5d8 \uad00\ub9ac \ud504\ub85c\uc138\uc2a4\ub294 \uaddc\uc81c \ud658\uacbd\uc774 \ubcc0\ud654\ud568\uc5d0 \ub530\ub77c \uc9c0\uc18d\uc801\uc778 \uaddc\uc815 \uc900\uc218\ub97c \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-credit-risk-management-in-banking\">\uc740\ud589 \uc2e0\uc6a9 \uc704\ud5d8 \uad00\ub9ac<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc2e0\uc6a9 \uc704\ud5d8 \uad00\ub9ac\ub294 \uc740\ud589\uc5c5\uc758 \uc704\ud5d8 \uad00\ub9ac\uc5d0\uc11c \ud575\uc2ec\uc801\uc778 \ubd80\ubd84\uc785\ub2c8\ub2e4. \uc740\ud589\uc758 \uc7ac\uc815 \uac74\uc804\uc131\uacfc \uaddc\uc81c \uc900\uc218\uc5d0 \uc9c1\uc811\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce58\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uc2e0\uc6a9 \uc704\ud5d8\uc740 \ucc28\uc785\uc790\uac00 \uc7ac\uc815\uc801 \uc758\ubb34\ub97c \uc774\ud589\ud558\uc9c0 \ubabb\ud558\uc5ec \ub300\ucd9c \ubd88\uc774\ud589\uc774\ub098 \ubbf8\ub0a9\uc774 \ubc1c\uc0dd\ud560 \uac00\ub2a5\uc131\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \uc740\ud589\uc740 \uc774\ub7ec\ud55c \uc704\ud5d8\uc744 \uad00\ub9ac\ud558\uae30 \uc704\ud574 \uc7a0\uc7ac\uc801 \uc190\uc2e4\uc744 \uc2dd\ubcc4, \ud3c9\uac00 \ubc0f \uc644\ud654\ud558\uae30 \uc704\ud55c \ub2e4\uc591\ud55c \uc704\ud5d8 \uad00\ub9ac \uae30\ubc95\uc744 \uc0ac\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uacac\uace0\ud55c \uc2e0\uc6a9 \uc704\ud5d8 \ud3c9\uac00 \ud504\ub85c\uc138\uc2a4\ub294 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc774\ub294 \ucc28\uc785\uc790\uc758 \uc2e0\uc6a9\ub3c4\ub97c \ud3c9\uac00\ud558\uae30 \uc704\ud574 \uc7ac\ubb34 \uae30\ub85d, \uc2e0\uc6a9 \uc810\uc218, \uc190\uc775\uacc4\uc0b0\uc11c \ubc0f \uae30\ud0c0 \uad00\ub828 \uc694\uc778\uc744 \ubd84\uc11d\ud558\ub294 \uac83\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4. \uc740\ud589\uc740 \uc815\uad50\ud55c \uc2e0\uc6a9 \uc810\uc218 \ubaa8\ub378\uacfc \uc704\ud5d8 \ud3c9\uac00 \ub3c4\uad6c\ub97c \uc0ac\uc6a9\ud558\uc5ec \ubd80\ub3c4 \uac00\ub2a5\uc131\uc744 \uc815\ub7c9\ud654\ud558\uace0, \uc774\ub97c \ud1b5\ud574 \uc815\ubcf4\uc5d0 \uc785\uac01\ud55c \ub300\ucd9c \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc2e0\uc6a9 \uc704\ud5d8\uc744 \ub354\uc6b1 \ud6a8\uacfc\uc801\uc73c\ub85c \uad00\ub9ac\ud558\uae30 \uc704\ud574 \uc740\ud589\uc740 \uac1c\ubcc4 \ucc28\uc785\uc790 \ubc0f \uc139\ud130\ubcc4 \uc2e0\uc6a9 \ud55c\ub3c4\ub97c \uc124\uc815\ud558\uc5ec \uc775\uc2a4\ud3ec\uc800\uac00 \ud5c8\uc6a9 \uac00\ub2a5\ud55c \ubc94\uc704 \ub0b4\uc5d0 \uc788\ub3c4\ub85d \ud569\ub2c8\ub2e4. \ub300\ucd9c \ucda9\ub2f9\uae08 \ub610\ud55c \ud575\uc2ec\uc801\uc778 \uad00\ud589\uc73c\ub85c, \uc740\ud589\uc740 \ubd80\uc2e4 \ucc44\uad8c\uc73c\ub85c \uc778\ud55c \uc7a0\uc7ac\uc801 \uc190\uc2e4\uc744 \ucda9\ub2f9\ud558\uae30 \uc704\ud574 \uc900\ube44\uae08\uc744 \uc124\uc815\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ucda9\ub2f9\uae08\uc740 \uc9c0\uc18d\uc801\uc778 \uc704\ud5d8 \ud3c9\uac00 \ubc0f \uacbd\uc81c \ud658\uacbd \ubcc0\ud654\uc5d0 \ub530\ub77c \uc815\uae30\uc801\uc73c\ub85c \uac80\ud1a0 \ubc0f \uc870\uc815\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub0b4\ubd80 \ud1b5\uc81c \uc678\uc5d0\ub3c4 \uc740\ud589\uc740 \uc2e0\uc6a9 \ud30c\uc0dd \uc0c1\ud488 \ubc0f \uc2e0\uc6a9 \ubcf4\ud5d8\uacfc \uac19\uc740 \uc678\ubd80 \uc704\ud5d8 \uad00\ub9ac \ub3c4\uad6c\ub97c \uc0ac\uc6a9\ud558\uc5ec \uc2e0\uc6a9 \uc704\ud5d8\uc744 \uc774\uc804\ud558\uac70\ub098 \uc644\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc0c1\ud488\ub4e4\uc740 \ud2b9\ud788 \ubcc0\ub3d9\uc131\uc774 \ud070 \uc2dc\uc7a5\uc5d0\uc11c \ucd94\uac00\uc801\uc778 \ubcf4\ud638\ub9c9\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uaddc\uc81c \uc900\uc218 \uc720\uc9c0\ub294 \ud6a8\uacfc\uc801\uc778 \uc2e0\uc6a9 \uc704\ud5d8 \uad00\ub9ac\uc758 \ud544\uc218 \uc694\uc18c\uc785\ub2c8\ub2e4. \uaddc\uc81c \uccb4\uacc4\ub294 \uc740\ud589\uc774 \uc704\ud5d8 \ud3c9\uac00, \ucda9\ub2f9\uae08 \uc801\ub9bd \ubc0f \ubcf4\uace0\uc5d0 \ub300\ud55c \uc5c4\uaca9\ud55c \uae30\uc900\uc744 \uc900\uc218\ud558\ub3c4\ub85d \uc694\uad6c\ud569\ub2c8\ub2e4. \uac74\uc804\ud55c \uc704\ud5d8 \uad00\ub9ac \uad00\ud589\uc744 \uad6c\ud604\ud568\uc73c\ub85c\uc368 \uc740\ud589\uc740 \uc7ac\uc815\uc801 \uc190\uc2e4\ub85c\ubd80\ud130 \uc790\uc2e0\uc744 \ubcf4\ud638\ud560 \ubfd0\ub9cc \uc544\ub2c8\ub77c \uaddc\uc81c \uc694\uac74\uc744 \ucda9\uc871\ud558\uace0 \uae08\uc735 \uc2dc\uc2a4\ud15c\uc758 \uc804\ubc18\uc801\uc778 \uc548\uc815\uc131\uc744 \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-liquidity-risk-management-in-banking\">\uc740\ud589\uc758 \uc720\ub3d9\uc131 \uc704\ud5d8 \uad00\ub9ac<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc720\ub3d9\uc131 \uc704\ud5d8 \uad00\ub9ac\ub294 \uc740\ud589\uc5c5\uc758 \uc704\ud5d8 \uad00\ub9ac\uc5d0\uc11c \ud544\uc218\uc801\uc778 \uce21\uba74\uc73c\ub85c, \uc740\ud589\uc774 \ub9cc\uae30\uac00 \ub3c4\ub798\ud558\ub294 \ub2e8\uae30 \uc7ac\uc815\uc801 \uc758\ubb34\ub97c \uc774\ud589\ud560 \uc218 \uc788\ub294 \ub2a5\ub825\uc5d0 \uc911\uc810\uc744 \ub461\ub2c8\ub2e4. \uc720\ub3d9\uc131 \uc704\ud5d8\uc740 \uc740\ud589\uc774 \uc0c1\ub2f9\ud55c \uc190\uc2e4\uc744 \ubc1c\uc0dd\uc2dc\ud0a4\uc9c0 \uc54a\uace0\ub3c4 \uc608\uae08 \uc778\ucd9c \uc694\uccad\uc744 \ucda9\uc871\ud558\uac70\ub098, \ubd80\ucc44\ub97c \uc0c1\ud658\ud558\uac70\ub098, \uc2e0\uaddc \ub300\ucd9c\uc5d0 \uc790\uae08\uc744 \uc870\ub2ec\ud560 \uc218 \uc5c6\uc744 \ub54c \ubc1c\uc0dd\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc720\ub3d9\uc131 \uc704\ud5d8\uc744 \uad00\ub9ac\ud558\uae30 \uc704\ud574 \uc740\ud589\uc740 \ud604\uae08 \ubc0f \uace0\uc720\ub3d9\uc131 \uc790\uc0b0\uacfc \uac19\uc774 \ud544\uc694\ud560 \ub54c \uc2e0\uc18d\ud558\uac8c \uc811\uadfc\ud560 \uc218 \uc788\ub294 \ucda9\ubd84\ud55c \uc720\ub3d9\uc131 \uc900\ube44\uae08\uc744 \uc720\uc9c0\ud569\ub2c8\ub2e4. \uc790\uae08 \uc870\ub2ec\uc6d0\uc758 \ub2e4\ubcc0\ud654\ub294 \ub610 \ub2e4\ub978 \ud575\uc2ec \uc804\ub7b5\uc73c\ub85c, \ud2b9\uc815 \uc790\uae08\uc6d0\uc5d0 \ub300\ud55c \uc758\uc874\ub3c4\ub97c \uc904\uc774\uace0 \uc2dc\uc7a5 \ud63c\ub780\uc5d0 \ub300\ud55c \ubcf5\uc6d0\ub825\uc744 \uac15\ud654\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud6a8\uacfc\uc801\uc778 \uc720\ub3d9\uc131 \uc704\ud5d8 \uad00\ub9ac\uc5d0\ub294 \ud3ec\uad04\uc801\uc778 \uc704\ud5d8 \ud3c9\uac00\ub3c4 \ud3ec\ud568\ub429\ub2c8\ub2e4. \uc740\ud589\uc740 \ud604\uae08 \ud750\ub984, \uc790\uc0b0 \ubc0f \ubd80\ucc44\uc758 \ub9cc\uae30 \uad6c\uc870, \uc790\uae08 \uc870\ub2ec\uc6d0\uc758 \uc548\uc815\uc131\uc744 \ubd84\uc11d\ud558\uc5ec \uc815\uae30\uc801\uc73c\ub85c \uc720\ub3d9\uc131 \uc0c1\ud0dc\ub97c \ud3c9\uac00\ud569\ub2c8\ub2e4. \uc790\uc0b0-\ubd80\ucc44 \uad00\ub9ac(ALM) \uae30\ubc95\uc740 \ud604\uae08 \uc720\uc785\uacfc \uc720\ucd9c \uc2dc\uc810\uc744 \uc77c\uce58\uc2dc\ucf1c \uc720\ub3d9\uc131 \ubd80\uc871 \uc704\ud5d8\uc744 \ucd5c\uc18c\ud654\ud558\ub294 \ub370 \uc0ac\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc740\ud589\uc740 \uc2dc\uc7a5 \ucda9\uaca9\uc774\ub098 \uc608\uae08 \uc778\ucd9c \uc218\uc694\uc758 \uac11\uc791\uc2a4\ub7ec\uc6b4 \uc99d\uac00\uc640 \uac19\uc740 \uc608\uc0c1\uce58 \ubabb\ud55c \uc720\ub3d9\uc131 \uc0ac\uac74\uc5d0 \ub300\ube44\ud558\uae30 \uc704\ud574 \ube44\uc0c1 \uc790\uae08 \uc870\ub2ec \uacc4\ud68d\uc744 \uc218\ub9bd\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uacc4\ud68d\uc5d0\ub294 \uc911\uc559\uc740\ud589 \uc2dc\uc124 \uc774\uc6a9 \ub610\ub294 \uc720\ub3d9 \uc790\uc0b0 \ub9e4\uac01\uc744 \ud3ec\ud568\ud558\uc5ec \ucd94\uac00 \uc790\uae08\uc744 \uc2e0\uc18d\ud558\uac8c \uc870\ub2ec\ud558\uae30 \uc704\ud55c \uc804\ub7b5\uc774 \uba85\uc2dc\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uaddc\uc81c \uc900\uc218\ub294 \uc720\ub3d9\uc131 \uc704\ud5d8 \uad00\ub9ac\uc5d0\uc11c \ub9e4\uc6b0 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uac10\ub3c5 \ub2f9\uad6d\uc740 \uc740\ud589\uc774 \ucd5c\uc18c \uc720\ub3d9\uc131 \ucee4\ubc84\ub9ac\uc9c0 \ube44\uc728\uc744 \uc720\uc9c0\ud558\uace0 \uc815\uae30\uc801\uc778 \uc2a4\ud2b8\ub808\uc2a4 \ud14c\uc2a4\ud2b8\ub97c \uc218\ud589\ud558\ub3c4\ub85d \uc694\uad6c\ud558\uc5ec \uc7ac\uc815\uc801 \uc548\uc815\uc744 \ubcf4\uc7a5\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc694\uad6c \uc0ac\ud56d\uc744 \uc900\uc218\ud558\uace0 \uc720\ub3d9\uc131 \uc704\ud5d8 \uad00\ub9ac\uc758 \ubaa8\ubc94 \uc0ac\ub840\ub97c \ucc44\ud0dd\ud568\uc73c\ub85c\uc368 \uc740\ud589\uc740 \uc6b4\uc601\uc744 \ubcf4\ud638\ud558\uace0 \uace0\uac1d \uc2e0\ub8b0\ub97c \uc720\uc9c0\ud558\uba70 \ub354 \ub113\uc740 \uae08\uc735 \uc2dc\uc2a4\ud15c\uc758 \uc548\uc815\uc5d0 \uae30\uc5ec\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-data-privacy-in-banking-compliance\">\uc740\ud589 \uaddc\uc81c\uc5d0\uc11c\uc758 \ub370\uc774\ud130 \uac1c\uc778\uc815\ubcf4 \ubcf4\ud638<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ub370\uc774\ud130 \ud504\ub77c\uc774\ubc84\uc2dc\ub294 \uae08\uc735 \uae30\uad00\uc5d0\uc11c \ucc98\ub9ac\ud558\ub294 \uace0\uac1d \uc815\ubcf4\uc758 \ubbfc\uac10\uc131\uc744 \uace0\ub824\ud560 \ub54c \uc740\ud589 \ubd80\ubb38 \uaddc\uc815 \uc900\uc218\uc758 \uae30\ubcf8\uc801\uc778 \uad6c\uc131 \uc694\uc18c\uc785\ub2c8\ub2e4. \ubbfc\uac10\ud55c \uace0\uac1d \ub370\uc774\ud130\ub97c \ubb34\ub2e8 \uc811\uadfc, \uacf5\uac1c \ub610\ub294 \uc624\uc6a9\uc73c\ub85c\ubd80\ud130 \ubcf4\ud638\ud558\ub294 \uac83\uc740 \ubc95\uc801 \uc758\ubb34\uc77c \ubfd0\ub9cc \uc544\ub2c8\ub77c \uace0\uac1d \uc2e0\ub8b0\ub97c \uc720\uc9c0\ud558\uace0 \uba85\uc131 \ubb34\uacb0\uc131\uc744 \ubcf4\ud638\ud558\ub294 \ub370 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc740\ud589\uc740 \ub370\uc774\ud130 \uc554\ud638\ud654, \uac15\ub825\ud55c \uc561\uc138\uc2a4 \uc81c\uc5b4, \uba85\ud655\ud55c \ub370\uc774\ud130 \uc720\ucd9c \ud1b5\uc9c0 \uc808\ucc28\ub97c \ud3ec\ud568\ud558\ub294 \ud3ec\uad04\uc801\uc778 \uaddc\uc815 \uc900\uc218 \ud504\ub85c\uadf8\ub7a8\uc744 \uad6c\ud604\ud558\uc5ec \ub370\uc774\ud130 \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638 \uc704\ud5d8\uc744 \uad00\ub9ac\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc870\uce58\ub97c \ud1b5\ud574 \uc2b9\uc778\ub41c \uc9c1\uc6d0\ub9cc\uc774 \ubbfc\uac10\ud55c \uc815\ubcf4\uc5d0 \uc561\uc138\uc2a4\ud560 \uc218 \uc788\ub3c4\ub85d \ud558\uace0, \ubaa8\ub4e0 \uc0ac\uace0\uac00 \uc2e0\uc18d\ud558\uac8c \ud30c\uc545\ub418\uace0 \ucc98\ub9ac\ub418\ub3c4\ub85d \ub3d5\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uad00\ub828 \uad00\ud560\uad8c\uc5d0\uc11c \uc6b4\uc601\ub418\ub294 \uc740\ud589\uc740 \uc77c\ubc18 \uac1c\uc778\uc815\ubcf4 \ubcf4\ud638\ubc95(GDPR) \ubc0f \uce98\ub9ac\ud3ec\ub2c8\uc544 \uc18c\ube44\uc790 \uac1c\uc778\uc815\ubcf4 \ubcf4\ud638\ubc95(CCPA)\uacfc \uac19\uc740 \ub370\uc774\ud130 \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638 \uaddc\uc815\uc744 \uc900\uc218\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uaddc\uc815\uc740 \ub370\uc774\ud130 \uc218\uc9d1, \ucc98\ub9ac, \uc800\uc7a5 \ubc0f \uacf5\uc720\uc5d0 \ub300\ud55c \uc5c4\uaca9\ud55c \uc694\uad6c \uc0ac\ud56d\uc744 \uc124\uc815\ud558\uba70, \uc774\ub97c \uc900\uc218\ud558\uc9c0 \uc54a\uc744 \uacbd\uc6b0 \uc0c1\ub2f9\ud55c \ucc98\ubc8c\uc744 \ubc1b\uac8c \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub370\uc774\ud130 \ud504\ub77c\uc774\ubc84\uc2dc \uc704\ud5d8\uc744 \ub354\uc6b1 \uc644\ud654\ud558\uae30 \uc704\ud574 \uc740\ud589\uc740 \ub370\uc774\ud130 \uc720\ucd9c \ubc29\uc9c0 \uc2dc\uc2a4\ud15c \ubc0f \uc0ac\uace0 \ub300\uc751 \uacc4\ud68d\uacfc \uac19\uc740 \uc704\ud5d8 \uad00\ub9ac \ub3c4\uad6c\ub97c \ubc30\ud3ec\ud569\ub2c8\ub2e4. \uc7a0\uc7ac\uc801 \ucde8\uc57d\uc810\uc744 \uc2dd\ubcc4\ud558\uace0 \uc9c4\ud654\ud558\ub294 \uaddc\uc81c \ud45c\uc900\uc744 \uc9c0\uc18d\uc801\uc73c\ub85c \uc900\uc218\ud558\ub3c4\ub85d \ubcf4\uc7a5\ud558\uae30 \uc704\ud574 \uc815\uae30\uc801\uc778 \uc704\ud5d8 \ud3c9\uac00 \ubc0f \uac10\uc0ac\uac00 \uc218\ud589\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud6a8\uacfc\uc801\uc778 \ub370\uc774\ud130 \ud504\ub77c\uc774\ubc84\uc2dc \uc900\uc218 \ud504\ub85c\uadf8\ub7a8\uc740 \uc740\ud589\uc774 \uaddc\uc81c \uc694\uad6c \uc0ac\ud56d\uc744 \ucda9\uc871\ud558\ub3c4\ub85d \ub3c4\uc6b8 \ubfd0\ub9cc \uc544\ub2c8\ub77c \ub370\uc774\ud130 \uce68\ud574\uc640 \uad00\ub828\ub41c \ud3c9\ud310 \uc704\ud5d8 \ubc0f \uc7ac\uc815\uc801 \ucc98\ubc8c\ub85c\ubd80\ud130 \ubcf4\ud638\ud569\ub2c8\ub2e4. \ubbfc\uac10\ud55c \uace0\uac1d \ub370\uc774\ud130\uc758 \ubcf4\uc548\uc744 \uc6b0\uc120\uc2dc\ud568\uc73c\ub85c\uc368 \uc740\ud589\uc740 \uc724\ub9ac\uc801\uc778 \ube44\uc988\ub2c8\uc2a4 \uad00\ud589\uacfc \uc7a5\uae30\uc801\uc778 \uace0\uac1d \uad00\uacc4\uc5d0 \ub300\ud55c \uc57d\uc18d\uc744 \uac15\ud654\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-anti-money-laundering-and-financial-crime-prevention\">\uc790\uae08\uc138\ud0c1\ubc29\uc9c0 \ubc0f \uae08\uc735\ubc94\uc8c4 \uc608\ubc29<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc790\uae08\uc138\ud0c1\ubc29\uc9c0(AML)\uc640 \uae08\uc735 \ubc94\uc8c4 \uc608\ubc29\uc740 \uc740\ud589 \uc0b0\uc5c5\uc758 \uaddc\uc815 \uc900\uc218 \uc704\ud5d8 \uad00\ub9ac\uc758 \uc911\uc694\ud55c \uae30\ub465\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub178\ub825\uc740 \ud569\ubc95\uc801\uc778 \uae08\uc735 \uc2dc\uc2a4\ud15c\uc758 \ubb34\uacb0\uc131\uc744 \uc704\ud611\ud558\ub294 \uc790\uae08 \uc138\ud0c1, \ud14c\ub7ec \uc790\uae08 \uc870\ub2ec \ubc0f \uae30\ud0c0 \ubd88\ubc95 \uae08\uc735 \ud65c\ub3d9\uc744 \ubc29\uc9c0\ud558\uace0 \ud0d0\uc9c0\ud558\ub3c4\ub85d \uc124\uacc4\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc740\ud589\uc740 \uace0\uac1d \uc2e4\uc0ac(CDD), \uc9c0\uc18d\uc801\uc778 \uac70\ub798 \ubaa8\ub2c8\ud130\ub9c1, \uc758\uc2ec\uc2a4\ub7ec\uc6b4 \ud65c\ub3d9\uc758 \uc2e0\uc18d\ud55c \ubcf4\uace0\ub97c \ud3ec\ud568\ud558\ub294 \ud3ec\uad04\uc801\uc778 \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \ud504\ub85c\uadf8\ub7a8\uc744 \uc218\ub9bd\ud558\uc5ec \uc790\uae08\uc138\ud0c1\ubc29\uc9c0(AML) \uc704\ud5d8\uc744 \uad00\ub9ac\ud569\ub2c8\ub2e4. CDD \uc808\ucc28\uc5d0\ub294 \uace0\uac1d \uc2e0\uc6d0 \ud655\uc778, \uc0ac\uc5c5 \ubcf8\uc9c8 \ud30c\uc545, \uace0\uac1d\uc774 \ucd08\ub798\ud558\ub294 \uc704\ud5d8 \ud3c9\uac00\uac00 \ud3ec\ud568\ub429\ub2c8\ub2e4. \uc815\uce58\uc801 \uc8fc\uc694 \uc778\uc0ac(PEP) \ub610\ub294 \uace0\uc704\ud5d8 \uc9c0\uc5ed \ucd9c\uc2e0\uacfc \uac19\uc740 \uace0\uc704\ud5d8 \uace0\uac1d\uc5d0\uac8c\ub294 \uac15\ud654\ub41c \uc2e4\uc0ac\uac00 \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uac70\ub798 \ubaa8\ub2c8\ud130\ub9c1 \uc2dc\uc2a4\ud15c\uc740 \uace0\uae09 \ubd84\uc11d \ubc0f \uc704\ud5d8 \uae30\ubc18 \uaddc\uce59\uc744 \uc0ac\uc6a9\ud558\uc5ec \uc790\uae08 \uc138\ud0c1 \ub610\ub294 \ud14c\ub7ec \uc790\uae08 \uc870\ub2ec\uc744 \ub098\ud0c0\ub0bc \uc218 \uc788\ub294 \ube44\uc815\uc0c1\uc801\uc774\uac70\ub098 \uc758\uc2ec\uc2a4\ub7ec\uc6b4 \ud328\ud134\uc744 \uc2dd\ubcc4\ud569\ub2c8\ub2e4. \uc7a0\uc7ac\uc801\uc778 \uaddc\uc815 \uc900\uc218 \uc704\ud5d8\uc774 \uac10\uc9c0\ub418\uba74 \uc740\ud589\uc740 \uad00\ub828 \ub2f9\uad6d\uc5d0 \uc758\uc2ec \ud65c\ub3d9 \ubcf4\uace0\uc11c\ub97c \uc81c\ucd9c\ud574\uc57c \ud558\uba70, \uc774\ub97c \ud1b5\ud574 \uaddc\uc815 \uc900\uc218\ub97c \ubcf4\uc7a5\ud558\uace0 \ubc95 \uc9d1\ud589 \ub178\ub825\uc744 \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc601\ud5a5\uc744 \ubc1b\ub294 \uad00\ud560\uad8c\uc5d0\uc11c \uc6b4\uc601\ub418\ub294 \uc740\ud589\uc740 \uc740\ud589 \ube44\ubc00\ubc95(BSA) \ubc0f \ubbf8\uad6d \uc560\uad6d\ubc95\uacfc \uac19\uc740 AML \uaddc\uc815\uc744 \uc900\uc218\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubc95\ub960\uc740 \uae30\ub85d \ubcf4\uad00, \ubcf4\uace0 \ubc0f \ub0b4\ubd80 \ud1b5\uc81c\uc5d0 \ub300\ud55c \uc790\uc138\ud55c \uc694\uad6c \uc0ac\ud56d\uc744 \uba85\uc2dc\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc790\uae08\uc138\ud0c1\ubc29\uc9c0(AML) \uaddc\uc815 \uc900\uc218 \ud504\ub85c\uadf8\ub7a8\uc744 \uac15\ud654\ud558\uae30 \uc704\ud574 \uc740\ud589\uc740 AML \uc18c\ud504\ud2b8\uc6e8\uc5b4, \ud3ec\ub80c\uc2dd \ubd84\uc11d, \uc815\uae30\uc801\uc778 \uc9c1\uc6d0 \uad50\uc721\uacfc \uac19\uc740 \uc704\ud5d8 \uad00\ub9ac \ub3c4\uad6c\ub97c \ud65c\uc6a9\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc870\uce58\ub4e4\uc740 \uae08\uc735 \ubc94\uc8c4\uc758 \uc704\ud5d8\uc744 \uc644\ud654\ud558\uace0, \uc740\ud589\uc758 \ud3c9\ud310\uc744 \ubcf4\ud638\ud558\uba70, \uc7ac\uc815\uc801 \uc548\uc815\uc744 \uc720\uc9c0\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc790\uae08\uc138\ud0c1 \ubc29\uc9c0 \ubc0f \uae08\uc735 \ubc94\uc8c4 \uc608\ubc29\uc744 \uc6b0\uc120\uc2dc\ud568\uc73c\ub85c\uc368 \uc740\ud589\uc740 \uaddc\uc81c \uae30\uc900\uc744 \uc900\uc218\ud558\uace0, \uae08\uc735 \uc2dc\uc2a4\ud15c\uc744 \ubcf4\ud638\ud558\uba70, \ubd88\ubc95 \uae08\uc735 \ud65c\ub3d9\uacfc \uad00\ub828\ub41c \uc704\ud5d8\uc73c\ub85c\ubd80\ud130 \uace0\uac1d\uc744 \ubcf4\ud638\ud558\uaca0\ub2e4\ub294 \uc758\uc9c0\ub97c \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-technology-automation-and-data-sovereignty-in-banking-compliance\">\uae30\uc220, \uc790\ub3d9\ud654 \ubc0f \ub370\uc774\ud130 \uc8fc\uad8c\uacfc \uc740\ud589 \uaddc\uc815 \uc900\uc218<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc740\ud589\ub4e4\uc740 \uc790\ub3d9\ud654, AI, \uc6cc\ud06c\ud50c\ub85c \ub3c4\uad6c\ub97c \ud65c\uc6a9\ud558\uc5ec \ub9e4\ub144 1\ub9cc \uac74\uc774 \ub118\ub294 \uaddc\uc81c \ubcc0\uacbd \uc0ac\ud56d\uc744 \ucc98\ub9ac\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc790\uae08\uc138\ud0c1\ubc29\uc9c0(AML) \uc2dc\uc2a4\ud15c\uc5d0 \uc801\uc6a9\ub41c \uba38\uc2e0\ub7ec\ub2dd \ubaa8\ub378\uc740 \uaddc\uce59 \uae30\ubc18 \uc811\uadfc \ubc29\uc2dd\ubcf4\ub2e4 40% \ub354 \ub9ce\uc740 \uc758\uc2ec\uc2a4\ub7ec\uc6b4 \ud328\ud134\uc744 \ud0d0\uc9c0\ud569\ub2c8\ub2e4. \ub514\uc9c0\ud138 <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\">\uc2e0\uc6d0 \ud655\uc778<\/a> \uc218\ub3d9 KYC \uac80\ud1a0\ub97c 70%\ub9cc\ud07c \uc904\uc5ec\uc90d\ub2c8\ub2e4. \uc2e4\uc2dc\uac04 API \ud53c\ub4dc\ub97c \ud1b5\ud574 \uc9c0\uc18d\uc801\uc778 \uc81c\uc7ac \ub300\uc0c1 \uc5ec\ubd80\ub97c \ud655\uc778\ud560 \uc218 \uc788\uc73c\uba70, XBRL \ud45c\uc900\ud654\ub97c \ud1b5\ud574 \uaddc\uc81c \ub2f9\uad6d\uc5d0 \uc81c\ucd9c\ud558\ub294 \uc7ac\ubb34 \ubcf4\uace0 \uc808\ucc28\uac00 \uac04\uc18c\ud654\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><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> \uc774 \ud50c\ub7ab\ud3fc\ub4e4\uc740 \uc804\uc790 \uc11c\uba85, \ubb38\uc11c \ucd94\ucd9c\uc744 \uc704\ud55c OCR, \ub9ac\uc2a4\ud06c \ud3c9\uac00 \uc54c\uace0\ub9ac\uc998\uc744 \ud1b5\ud569\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub3c4\uad6c\ub4e4\uc740 PEP \uc2ec\uc0ac \ubc0f \ubd80\uc815\uc801 \uc5b8\ub860 \ubcf4\ub3c4 \ud655\uc778\uc774 \uc6d0\ud65c\ud558\uac8c \uc774\ub8e8\uc5b4\uc9c0\ub3c4\ub85d \ubcf4\uc7a5\ud558\uba74\uc11c, \uc628\ubcf4\ub529 \uae30\uac04\uc744 \uba87 \uc8fc\uc5d0\uc11c \uba70\uce60\ub85c \ub300\ud3ed \ub2e8\ucd95\ud569\ub2c8\ub2e4. \uc81c\ub300\ub85c \uad6c\ucd95\ub41c \uc2dc\uc2a4\ud15c\uc5d0\uc11c\ub294 \uc624\ub958\uc728\uc774 1% \ubbf8\ub9cc\uc73c\ub85c \ub5a8\uc5b4\uc9c0\uba70, \uaddc\uc815 \uc900\uc218 \uc808\ucc28\ub97c \ud68d\uae30\uc801\uc73c\ub85c \uac1c\uc120\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">EU Schrems II \ud310\uacb0\ub85c \ud2b9\uc815 \ubbf8\uad6d \ub370\uc774\ud130 \uc804\uc1a1\uc774 \ubb34\ud6a8\ud654\ub428\uc5d0 \ub530\ub77c \ub370\uc774\ud130 \uc8fc\uad8c\uc5d0 \ub300\ud55c \uaddc\uc81c \ucd08\uc810\uc774 \uac15\ud654\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc2a4\uc704\uc2a4\uc758 FADP 2023\uc740 GDPR \uc694\uad6c \uc0ac\ud56d\uc744 \ubc18\uc601\ud558\uace0 \uc788\uc73c\uba70, FINMA\ub294 \ud074\ub77c\uc6b0\ub4dc \uc544\uc6c3\uc18c\uc2f1\uc5d0 \ub300\ud55c \uc601\ud5a5 \ud3c9\uac00\ub97c \uc758\ubb34\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubc1c\uc804\uc740 CLOUD Act \ub178\ucd9c\uc744 \ud53c\ud558\uace0 \ub370\uc774\ud130 \uac1c\uc778 \uc815\ubcf4\ub97c \ubcf4\ud638\ud558\uae30 \uc704\ud574 \uc2a4\uc704\uc2a4 \ub0b4 \ud638\uc2a4\ud305\uc744 \uc6b0\uc120\uc2dc\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass\ub294 \ud1b5\ud569 CRM, \uc628\ubcf4\ub529 \uae30\ub2a5\uc744 \uc81c\uacf5\ud558\ub294 \uc2a4\uc704\uc2a4 \uc8fc\uad8c CRM \ud50c\ub7ab\ud3fc\uc73c\ub85c \ud3ec\uc9c0\uc154\ub2dd\ud569\ub2c8\ub2e4 <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> \ubc0f \uac10\uc0ac \ub300\ube44 \ubcf4\uace0\uc11c\ub97c \uc0dd\uc131\ud558\ub294 CDD \uc6cc\ud06c\ud50c\ub85c\uc6b0, MiFID \uc801\ud569\uc131 \ud655\uc778\uc744 \uc704\ud55c \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad00\ub9ac, \uc2b9\uc778 \ubc0f \uc54c\ub9bc\uc744 \ud2b8\ub9ac\uac70\ud558\ub294 \uaddc\uc815 \uc900\uc218 \uaddc\uce59 \uc5d4\uc9c4, \uadf8\ub9ac\uace0 <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ko\/%ec%83%81%ec%9c%84-5%ea%b0%80%ec%a7%80-%eb%b3%b4%ec%95%88-%ed%81%b4%eb%9d%bc%ec%9d%b4%ec%96%b8%ed%8a%b8-%ed%8c%8c%ec%9d%bc-%ea%b3%b5%ec%9c%a0-%ed%8f%ac%ed%84%b8-%ec%86%94%eb%a3%a8%ec%85%98\/\" target=\"_self\">\ubcf4\uc548\uc744 \uc704\ud55c \uace0\uac1d \ud3ec\ud138<\/a> \uacf5\uac1c. \ud50c\ub7ab\ud3fc\uc740 \uc628\ud504\ub808\ubbf8\uc2a4 \ub610\ub294 \uc2a4\uc704\uc2a4 \ub370\uc774\ud130 \uc13c\ud130\uc5d0 \ud638\uc2a4\ud305\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc720\ub7fd, \uc911\ub3d9 \ubc0f \uacf5\uacf5 \ubd80\ubb38 \uc740\ud589\ub4e4\uc740 \uc601\ud1a0 \uc678 \uc801\uc6a9 \ubc95\ub960\uc758 \uc601\ud5a5\uc744 \ubc1b\uc744 \uc218 \uc788\ub294 \ubbf8\uad6d \ud558\uc774\ud37c\uc2a4\ucf00\uc77c\ub7ec\ub098 \uc9c0\uc815\ud559\uc801 \ub9ac\uc2a4\ud06c\ub97c \uc548\uace0 \uc788\ub294 \uc911\uad6d \uc5c5\uccb4 \ub300\uc2e0, \uc774\ub7ec\ud55c \ub300\uc548\uc744 \uc810\uc810 \ub354 \uc120\ud638\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc811\uadfc \ubc29\uc2dd\uc744 \ud1b5\ud574 \uae08\uc735 \uae30\uad00\uc740 \ubbfc\uac10\ud55c \ub370\uc774\ud130\uc5d0 \ub300\ud55c \ud1b5\uc81c\uad8c\uc744 \uc720\uc9c0\ud558\uba74\uc11c \uaddc\uc815 \uc900\uc218 \ud504\ub85c\uc138\uc2a4\ub97c \uc790\ub3d9\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. InvestGlass \ub300\uc2dc\ubcf4\ub4dc\ub294 \uae30\ud55c\uc774 \uc9c0\ub09c \uac80\ud1a0 \ud56d\ubaa9\uc744 \uc2dc\uac01\uc801\uc73c\ub85c \ud45c\uc2dc\ud558\uba70, \uc790\ub3d9\ud654\ub41c \uc0ac\ub840 \uad00\ub9ac \uae30\ub2a5\uc744 \ud1b5\ud574 24\uc2dc\uac04 \uc774\ub0b4\uc5d0 80% \uac74\uc758 \uacbd\ubcf4\ub97c \ucc98\ub9ac\ud558\uace0, \uc8fc\uc81c\ubcc4 \ubcf4\uace0\uc11c\ub97c \ud1b5\ud574 FINMA \uc81c\ucd9c \uc5c5\ubb34\ub97c \ud6a8\uc728\uc801\uc73c\ub85c \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-practical-best-practices-for-compliance-and-risk-management-in-banks\">\uc740\ud589\uc758 \uaddc\uc815 \uc900\uc218 \ubc0f \uc704\ud5d8 \uad00\ub9ac \uc2e4\ubb34 \ubaa8\ubc94 \uc0ac\ub840<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc911\uc559 \uc9d1\uc911\uc2dd GRC \uc2dc\uc2a4\ud15c\uc744 \uae30\ubc18\uc73c\ub85c \uc804\uc0ac\uc801 \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \uac70\ubc84\ub10c\uc2a4 \uccb4\uacc4\ub97c \uad6c\ucd95\ud558\uba74 \uace0\uac1d \ub370\uc774\ud130\uc5d0 \ub300\ud55c \ub2e8\uc77c \uc2e0\ub8b0 \uc18c\uc2a4\ub97c \ud655\ubcf4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc811\uadfc \ubc29\uc2dd\uc744 \ud1b5\ud574 \ubb34\uc5ed \uae08\uc735\uacfc \uac19\uc740 \uace0\uc704\ud5d8 \ubd84\uc57c\uc5d0 \ub300\ud55c \uc8fc\uc81c\ubcc4 \uac80\ud1a0\uac00 \uac00\ub2a5\ud574\uc9c0\uba70, \ud2b9\ud788 2020\ub144 \uc774\ud6c4 \ub300\ud589 \uc740\ud589 \uc5c5\ubb34\uc0c1\uc758 \uacfc\uc2e4\ub85c \uc778\ud574 \uc804 \uc138\uacc4\uc801\uc73c\ub85c 1\uc870 4,200\uc5b5 \ub2ec\ub7ec \uc774\uc0c1\uc758 \ubc8c\uae08\uc774 \ubd80\uacfc\ub41c \ubc14 \uc788\uc2b5\ub2c8\ub2e4. \ud1b5\ud569\ub41c \uccb4\uacc4\ub97c \ub3c4\uc785\ud55c \uc740\ud589\ub4e4\uc740 \uc2dd\ubcc4\ub41c \uc704\ud5d8 \uc694\uc18c\uc5d0 \ub300\ud55c \uc2dc\uc815 \uc870\uce58\uac00 50% \ub354 \ube60\ub974\uac8c \uc774\ub8e8\uc5b4\uc9c4\ub2e4\uace0 \ubcf4\uace0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-strengthen-identity-verification\">\uc2e0\uc6d0 \ud655\uc778 \uac15\ud654<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\ub514\uc9c0\ud138 \uc0dd\uccb4 \uc778\uc2dd \ubc0f \ube14\ub85d\uccb4\uc778 \uc6d0\uc7a5 \uae30\ubc18 \uc99d\uba85\uc744 \ud65c\uc6a9\ud55c \uace0\uac1d \ub300\uc0c1\uc758 \uac15\ub825\ud55c KYC(\uace0\uac1d \uc2e0\uc6d0 \ud655\uc778), \uae30\uc5c5 \ub300\uc0c1\uc758 KYB(\uae30\uc5c5 \uc2e0\uc6d0 \ud655\uc778), \uadf8\ub9ac\uace0 \uc9c1\uc6d0 \ub300\uc0c1\uc758 KYE(\uc9c1\uc6d0 \uc2e0\uc6d0 \ud655\uc778)\ub294 \uc624\ud0d0\ub960\uc744 \uc57d 30%\uae4c\uc9c0 \uc904\uc5ec\uc90d\ub2c8\ub2e4. \uace0\uac1d \ubc0f \ube44\uc988\ub2c8\uc2a4 \ud30c\ud2b8\ub108\ub97c \uac80\uc99d\ud558\ub294 \uac83 \uc678\uc5d0\ub3c4, \ub9ac\uc2a4\ud06c \uad00\ub9ac \uad00\ud589\uc758 \uc77c\ud658\uc73c\ub85c \uc740\ud589 \uc9c1\uc6d0\uc744 \uac80\uc99d\ud558\uace0 \uc2e0\uc6d0\uc744 \ud655\uc778\ud558\ub294 \uac83\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. &#x27;\uc9c1\uc6d0 \ud30c\uc545(KYE)&#x27; \uc870\uce58\ub97c \uc2dc\ud589\ud558\uba74 \ub0b4\ubd80\uc790 \uc704\ud611\uc744 \uc608\ubc29\ud558\uace0 \uc9c1\uc6d0\uc758 \uccad\ub834\uc131\uc744 \ubcf4\uc7a5\ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub294 \uc548\uc804\ud55c \uc740\ud589 \ud658\uacbd\uc744 \uc720\uc9c0\ud558\ub294 \ub370 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \ucd5c\uadfc \ud55c \uc720\ub7fd\uc758 \uc0ac\ub9bd \uc740\ud589\uc740 \uc628\ubcf4\ub529 \uc6cc\ud06c\ud50c\ub85c\uc6b0\uc640 \ud1b5\ud569\ub41c \uc790\ub3d9\ud654\ub41c \ubd80\uc815\uc801 \uc5b8\ub860 \ubcf4\ub3c4 \ubaa8\ub2c8\ud130\ub9c1 \uc2dc\uc2a4\ud15c\uc744 \ud1b5\ud574 PEP(\uc815\uce58\uc801 \uc911\uc694 \uc778\ubb3c) \uad00\ub828 \ub9c9\ub300\ud55c \ubc8c\uae08\uc744 \ud53c\ud560 \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub3c4\uad6c\ub294 \uaddc\uc815 \uc900\uc218 \ub178\ub825\uc744 \uc9c0\uc6d0\ud568\uacfc \ub3d9\uc2dc\uc5d0 \uace0\uac1d \uacbd\ud5d8\uc744 \uac1c\uc120\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-automate-key-workflows\">\uc8fc\uc694 \uc6cc\ud06c\ud50c\ub85c\uc6b0 \uc790\ub3d9\ud654<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc790\ub3d9\ud654 \uc6b0\uc120\uc21c\uc704\uc5d0\ub294 \uace0\uc704\ud5d8 \uc77c\uce58 \uc0ac\ub840\uc5d0 \ub300\ud55c \uacbd\ubcf4 \uc0ac\ub840 \uad00\ub9ac, \uace0\uc704\ud5d8 \uace0\uac1d\uc5d0 \ub300\ud55c \uc2b9\uc778 \uc808\ucc28, PEP(\uc815\uce58\uc801 \uc911\uc694 \uc778\ubb3c)\uc5d0 \ub300\ud55c 12\uac1c\uc6d4 \uc8fc\uae30 \ub4f1 \uc911\uc694\ub3c4\uc5d0 \uae30\ubc18\ud55c \uc815\uae30\uc801\uc778 KYC(\uace0\uac1d \ud655\uc778) \uc808\ucc28, \uadf8\ub9ac\uace0 \uc0ac\uc804 \uc785\ub825\ub41c XBRL \ud15c\ud50c\ub9bf\uc744 \ud1b5\ud55c \uaddc\uc81c \ub2f9\uad6d \ubcf4\uace0 \ub4f1\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4. \uc740\ud589\ub4e4\uc740 \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \ud504\ub85c\uc138\uc2a4\ub97c \uccb4\uacc4\uc801\uc73c\ub85c \uc790\ub3d9\ud654\ud568\uc73c\ub85c\uc368 \uc218\uc791\uc5c5 \ubd80\ub2f4\uc744 60% \uac10\uc18c\uc2dc\ud0a4\uace0, \ubcf4\uace0 \uc2dc\ud55c \uc900\uc218\ub97c 100% \ub2e8\ucd95\ud558\ub294 \uc131\uacfc\ub97c \uac70\ub450\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-deploy-continuous-monitoring\">\uc9c0\uc18d\uc801\uc778 \ubaa8\ub2c8\ud130\ub9c1 \ubc30\ud3ec<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\ub300\uc2dc\ubcf4\ub4dc\ub97c \ud1b5\ud574 \uba54\ud2b8\ub9ad\uc744 \ucd94\uc801\ud558\uba74 \uc120\uc81c\uc801 \uad00\ub9ac\uac00 \uac00\ub2a5\ud569\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>Metric<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>Target<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\uc5d0\uc2a4\uceec\ub808\uc774\uc158 \ud2b8\ub9ac\uac70<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\uc5f0\uccb4\ub41c KYC \uac80\ud1a0<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>5% \ubbf8\ub9cc<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>10% \uc774\uc0c1<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\ubbf8\ud574\uacb0 \uaddc\uc815 \uc704\ubc18 \uc0ac\ud56d<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>10% \ubbf8\uacb0 \uc8fc\ubb38\ub7c9<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>15% \uc774\uc0c1<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\ud6c8\ub828 \uc644\ub8cc<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>95% \uc774\uc0c1<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>90% \ubbf8\ub9cc<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\uc81c\uc7ac\uac00 \ud654\ud574\uc5d0 \ud0c0\uaca9\uc744 \uc8fc\ub2e4<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\ub9e4\uc77c<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\uc9c0\uc5f0\uc774 \uc788\ub098\uc694<\/p><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-conduct-scenario-analysis\">\uc2dc\ub098\ub9ac\uc624 \ubd84\uc11d \uc218\ud589<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uaddc\uc815 \uc900\uc218 \ud1b5\uc81c \uc7a5\uce58\uc5d0 \ub300\ud55c \uc815\uae30\uc801\uc778 \uc2a4\ud2b8\ub808\uc2a4 \ud14c\uc2a4\ud2b8\ub294 1\ub9cc \uac1c \uae30\uc5c5\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce5c 2022\ub144 \ub7ec\uc2dc\uc544 \uc81c\uc7ac \ub300\uc751\uacfc \uac19\uc740 \ub300\uaddc\ubaa8 \uc81c\uc7ac \uc5c5\ub370\uc774\ud2b8\ub098 \uac11\uc791\uc2a4\ub7ec\uc6b4 \uac70\ub798 \uae09\uc99d\uc744 \uc2dc\ubbac\ub808\uc774\uc158\ud569\ub2c8\ub2e4. \uccb4\uacc4\uc801\uc778 \uc2dc\ub098\ub9ac\uc624 \ubd84\uc11d\uc744 \uc2e4\uc2dc\ud558\ub294 \uc740\ud589\ub4e4\uc740 40% \uae30\uc900 \uc704\ubc18 \uc2dc \ubc1c\uc0dd\ud558\ub294 \uc601\ud5a5\uc744 \ub354 \ub0ae\uac8c \ubcf4\uace0\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc811\uadfc \ubc29\uc2dd\uc740 \ud1b5\uc81c\uc0c1\uc758 \ud5c8\uc810\uc774 \uc2e4\uc81c\ub85c \ubc1c\uc0dd\ud558\uae30 \uc804\uc5d0 \uc774\ub97c \ud30c\uc545\ud558\uace0, <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ko\/%ea%b0%95%eb%a0%a5%ed%95%9c-%eb%b9%84%ec%83%81-%ea%b3%84%ed%9a%8d-%ea%b0%9c%eb%b0%9c%ec%9d%84-%ec%9c%84%ed%95%9c-%eb%aa%a8%eb%b2%94-%ec%82%ac%eb%a1%80\/\" target=\"_self\">\ube44\uc0c1 \uacc4\ud68d<\/a> \uaddc\uc81c \ubcc0\uacbd \uad00\ub9ac\ub97c \uc704\ud574.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-investglass-supports-bank-compliance-and-risk-management\">InvestGlass\uac00 \uc740\ud589 \uaddc\uc815 \uc900\uc218 \ubc0f \uc704\ud5d8 \uad00\ub9ac\ub97c \uc9c0\uc6d0\ud558\ub294 \ubc29\ubc95<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass\uc758 \uad00\uc810\uc5d0\uc11c, \uadf8\uac83\uc758 <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ko\/%ea%b8%88%ec%9c%b5-%ec%84%9c%eb%b9%84%ec%8a%a4%ec%9a%a9-crm\/\" target=\"_self\">\uc2a4\uc704\uc2a4 CRM<\/a> \ud50c\ub7ab\ud3fc\uc740 \uace0\uac1d \ub370\uc774\ud130, \ubb38\uc11c \ubc0f \uc0c1\ud638 \uc791\uc6a9 \uae30\ub85d\uc744 \ubcc0\uacbd \ubd88\uac00\ub2a5\ud55c \uac10\uc0ac \ucd94\uc801\uc73c\ub85c \uc911\uc559 \uc9d1\uc911\ud654\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uad6c\uc870\ub294 \ud604\uc7a5 \uac80\uc0ac \uc911 FINMA\uc640 \uac19\uc740 \uaddc\uc81c \uae30\uad00\uc5d0 \ub300\ud55c \uc989\uac01\uc801\uc778 \uc99d\uac70 \uc0dd\uc0b0\uc744 \uc9c0\uc6d0\ud558\uc5ec \uc740\ud589 \uc6b4\uc601\uc774 \uaddc\uc81c \uac80\ud1a0 \uc804\uccb4\uc5d0 \uac78\uccd0 \ud22c\uba85\uc131\uc744 \uc720\uc9c0\ud558\ub3c4\ub85d \ubcf4\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ub514\uc9c0\ud138 \uc628\ubcf4\ub529 \ubc0f KYC \uc6cc\ud06c\ud50c\ub85c\uc6b0<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass\ub294 AI \uac80\uc99d\uc744 \ud1b5\ud55c \uc2e0\uc6d0 \ud655\uc778, \ubb38\uc11c \uc5c5\ub85c\ub4dc, \uc81c\uc7ac, PEP, \uac10\uc2dc \ubaa9\ub85d \ud655\uc778\uc744 \ud1b5\ud569\ud55c \ub9ac\uc2a4\ud06c \uc810\uc218 \ud3c9\uac00, \uc804\uc790 \uc11c\uba85\uc744 \uc790\ub3d9\ud654\ud569\ub2c8\ub2e4. \uc774 \ud50c\ub7ab\ud3fc\uc740 \uaddc\uc815 \uc900\uc218 \uc778\uc99d\uc11c\ub97c \uc790\ub3d9\uc73c\ub85c \uc0dd\uc131\ud558\ub294 \ub3d9\uc2dc\uc5d0 \uace0\uc704\ud5d8 \uc0ac\ub840\ub97c \uc218\ub3d9 \uac80\ud1a0 \ub300\uc0c1\uc73c\ub85c \ud45c\uc2dc\ud569\ub2c8\ub2e4. \uc628\ubcf4\ub529 \uc2dc\uac04\uc740 \uba87 \uc8fc\uac00 \uc544\ub2cc \uba87 \uc2dc\uac04\uc73c\ub85c \ub2e8\ucd95\ub418\uba70, \uc804\uccb4 \ud504\ub85c\uc138\uc2a4\uc5d0 \uac78\uccd0 \uac10\uc0ac \uc900\ube44\uac00 \ub41c \ubb38\uc11c\uac00 \uc0dd\uc131\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uaddc\uce59 \uae30\ubc18 \uc2b9\uc778 \ubc0f \ubb38\uc11c \uad00\ub9ac<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc0ac\uc6a9\uc790 \uc9c0\uc815 \uac00\ub2a5\ud55c \uc6cc\ud06c\ud50c\ub85c\uc6b0 \uc5d4\uc9c4\uc740 \ud074\ub77c\uc774\uc5b8\ud2b8 \uacc4\uce35 \uae30\ubc18 \uc2b9\uc778\uc744 \uc9c0\uc6d0\ud558\uc5ec \ubcf5\uc7a1\ud55c \uc18c\uc720\uad8c \uad6c\uc870\uc5d0 \ub300\ud55c \uc5d0\uc2a4\uceec\ub808\uc774\uc158\uc744 \ud2b8\ub9ac\uac70\ud569\ub2c8\ub2e4. \ud575\uc2ec \uc740\ud589 \uc2dc\uc2a4\ud15c\uacfc\uc758 \ud1b5\ud569\uc740 \uc6d0\ud65c\ud55c \ub370\uc774\ud130 \ud750\ub984\uc744 \ubcf4\uc7a5\ud569\ub2c8\ub2e4. \ud1b5\ud569 \ubb38\uc11c \uad00\ub9ac \uc2dc\uc2a4\ud15c\uc740 GDPR \uaddc\uc815\uc744 \uc900\uc218\ud558\ub294 \uc561\uc138\uc2a4 \ub85c\uadf8, \ubc84\uc804 \uad00\ub9ac \ubc0f \ubcf4\uc874 \uc815\ucc45\uacfc \ud568\uaed8 \uae30\ub85d\uc744 \uc800\uc7a5\ud558\uc5ec \uac10\uc0ac \uc911 \uc8fc\uc81c\ubcc4 \uac80\uc0c9\uc744 \uac00\ub2a5\ud558\uac8c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad00\ub9ac \ubc0f \uace0\uac1d \ud3ec\ud138<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad00\ub9ac \ubaa8\ub4c8\uc740 \uace0\uac1d \ud504\ub85c\ud544\uacfc\uc758 \uc790\ub3d9\ud654\ub41c \uac80\uc0ac\ub97c \ud1b5\ud574 MiFID II \uc801\ud569\uc131 \ud3c9\uac00\ub97c \uc6a9\uc774\ud558\uac8c \ud569\ub2c8\ub2e4. \uc548\uc804\ud55c \uace0\uac1d \ud3ec\ud138\uc740 \uacf5\uac1c \ubb38\uc11c \uc804\ub2ec \ubc0f \ucee4\ubba4\ub2c8\ucf00\uc774\uc158 \ub85c\uae45\uc744 \uac00\ub2a5\ud558\uac8c \ud558\uc5ec, \uae08\uc735 \ud589\uc704 \uc99d\uac70\ub97c \uc81c\uacf5\ud558\uace0 \uace0\uac1d \ucee4\ubba4\ub2c8\ucf00\uc774\uc158 \uae30\ub85d\uc5d0 \ub300\ud55c \ubc95\uc801 \uc758\ubb34\ub97c \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc8fc\uad8c \ud638\uc2a4\ud305<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc2a4\uc704\uc2a4 \ud638\uc2a4\ud305 \ub610\ub294 \uc628\ud504\ub808\ubbf8\uc2a4 \ubc30\ud3ec\ub97c \ud1b5\ud574 FADP(\uc2a4\uc704\uc2a4 \ub370\uc774\ud130 \ubcf4\ud638\ubc95)\uc5d0 \ub530\ub978 \ub370\uc774\ud130 \ud604\uc9c0\ud654\ub97c \ubcf4\uc7a5\ud568\uc73c\ub85c\uc368, \ubbf8\uad6d CLOUD Act\ub85c \uc778\ud55c \uc704\ud5d8\uc744 \uc644\uc804\ud788 \ud68c\ud53c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 InvestGlass\ub294 \ub3c5\ub9bd\uc131\uc744 \uc911\uc2dc\ud558\ub294 \uae08\uc735 \uae30\uad00\uc744 \uc704\ud55c \uc790\ub3d9\ud654 \uc194\ub8e8\uc158\uc73c\ub85c \uc790\ub9ac\ub9e4\uae40\ud558\uba70, \uae30\uc874 \uc2dc\uc2a4\ud15c \ub300\ube44 99.1%\uc758 \uac00\ub3d9 \uc2dc\uac04\uc744 \ub2ec\uc131\ud558\uace0 50%\uc758 \ube44\uc6a9 \uc808\uac10 \ud6a8\uacfc\ub97c \uc2e4\ud604\ud558\ub294 \ub3d9\uc2dc\uc5d0 \uace0\uac1d \ub370\uc774\ud130 \uc8fc\uad8c\uc744 \ubcf4\ud638\ud569\ub2c8\ub2e4. \ud2b9\ud788, \uc5ed\uc678 \uc801\uc6a9 \ubc95\ub960\ub85c \uc778\ud55c \uccb4\uacc4\uc801 \uc704\ud5d8\uc744 \ud53c\ud558\uace0\uc790 \ud558\ub294 \uae08\uc735 \uae30\uad00\ub4e4\uc740 \uc774\ub7ec\ud55c \uc811\uadfc \ubc29\uc2dd\uc5d0\uc11c \ud070 \uac00\uce58\ub97c \ubc1c\uacac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion-and-future-trends-in-banking-compliance\">\uacb0\ub860 \ubc0f \uc740\ud589 \uaddc\uc81c \uc900\uc218\uc758 \ubbf8\ub798 \ub3d9\ud5a5<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uac74\uc804\ud55c \uaddc\uc815 \uc900\uc218 \ubc0f \ub9ac\uc2a4\ud06c \uad00\ub9ac\ub294 \uc2dc\uc2a4\ud0ec\ub9ad \ub9ac\uc2a4\ud06c\ub97c \uc608\ubc29\ud558\uace0, \ud22c\uba85\ud55c \ud1b5\uc81c \uccb4\uacc4\ub97c \ud1b5\ud574 \uace0\uac1d\uc758 \uc2e0\ub8b0\ub97c \uc720\uc9c0\ud558\uba70, \uc785\uc99d\ub41c \ud68c\ubcf5\ud0c4\ub825\uc131\uc744 \ubc14\ud0d5\uc73c\ub85c \uaddc\uc81c \ub2f9\uad6d\uc758 \uc2e0\ub8b0\ub97c \uac15\ud654\ud568\uc73c\ub85c\uc368 \uae08\uc735 \uc548\uc815\uc758 \uae30\ubc18\uc744 \ub9c8\ub828\ud569\ub2c8\ub2e4. 2008\ub144 \uc774\ud6c4\uc758 \uac1c\ud601\uc744 \ud1b5\ud574 \uc804 \uc138\uacc4\uc801\uc73c\ub85c \uc790\ubcf8 \ube44\uc728\uc774 12% \uc774\uc0c1\uc73c\ub85c \uc548\uc815\ud654\ub418\uc5c8\uc73c\uba70, \uc774\ub294 \uacac\uace0\ud55c \uccb4\uacc4\uc758 \uac00\uce58\ub97c \uc785\uc99d\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2025\ub144\ubd80\ud130 2027\ub144\uae4c\uc9c0\uc758 \uc0c8\ub85c\uc6b4 \ud2b8\ub80c\ub4dc\uc5d0\ub294 EU SFDR\uc5d0 \ub530\ub978 ESG \uacf5\uc2dc(\uc774\uc911 \uc911\uc694\uc131 \ud3c9\uac00 \uc758\ubb34\ud654), \uaddc\uc81c \ub2f9\uad6d\uc758 AI \uac10\ub3c5(\uc2e0\uc6a9 \uacb0\uc815 \uc2dc \ud3b8\ud5a5\uc131 \ubaa8\ub378 \uac10\uc0ac \uc2dc\ubc94 \uc6b4\uc601), \uae08\uc735 \ubc94\uc8c4\uc640 \uc0ac\uc774\ubc84 \ubcf4\uc548 \uc704\ud611\uc758 \uc735\ud569, \uadf8\ub9ac\uace0 \uad6d\uacbd \uac04 \ub370\uc774\ud130 \uc804\uc1a1\uc5d0 \ub300\ud55c \uac15\ud654\ub41c \uc870\uc0ac\uac00 \ud3ec\ud568\ub429\ub2c8\ub2e4. \uc740\ud589 \uc0b0\uc5c5\uc740 \uc774\ub7ec\ud55c \uc9c4\ud654\ud558\ub294 \uaddc\uc81c \uc694\uad6c \uc0ac\ud56d\uc5d0 \uc801\uc751\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud1b5\ud569\ub418\uace0 \uc704\ud5d8 \uae30\ubc18\uc774\uba70 \uc8fc\uad8c \uae30\uc220\uc744 \ud65c\uc6a9\ud558\ub294 \ud504\ub808\uc784\uc6cc\ud06c\uac00 \uc774 \ud658\uacbd\uc5d0\uc11c \uc911\uc694\ud560 \uac83\uc785\ub2c8\ub2e4. \uc704\ud5d8\uc744 \uc644\ud654\ud558\ub824\uba74 \ub370\uc774\ud130 \uc8fc\uad8c \uc6d0\uce59\uc744 \uc874\uc911\ud558\uba74\uc11c \uc804\uccb4\uc801\uc778 \ubcf4\uae30\ub97c \uc81c\uacf5\ud558\ub294 \ud1b5\ud569 \ub370\uc774\ud130 \ud50c\ub7ab\ud3fc\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc740\ud589\uc740 \uc0ac\uc77c\ub85c \ubc0f \uc8fc\uad8c \uaca9\ucc28\uc5d0 \ub300\ud574 \ud604\uc7ac \uc544\ud0a4\ud14d\ucc98\ub97c \uac10\uc0ac\ud558\uace0 \uc720\ub7fd \ud50c\ub7ab\ud3fc\uc744 \uc2dc\ubc94 \uc6b4\uc601\ud558\uc5ec \ubbfc\uac10\ud55c \uace0\uac1d \ub370\uc774\ud130\uc640 \uae30\uad00\uc758 \uc790\uc728\uc131\uc744 \ubcf4\ud638\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uaddc\uc815 \uc900\uc218 \ubc0f \uc704\ud5d8 \uad00\ub9ac \uc5ed\ub7c9\uc744 \uac15\ud654\ud558\uace0\uc790 \ud558\ub294 \uae30\uad00\uc744 \uc704\ud574 InvestGlass\ub294 \uae08\uc735 \uc2dc\uc2a4\ud15c\uc744 \uc704\ud574 \ud2b9\ubcc4\ud788 \uad6c\ucd95\ub41c \uc2a4\uc704\uc2a4 \uc8fc\uad8c \uc194\ub8e8\uc158\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \ud604\uc7ac\uc758 \uaddc\uc815 \uc900\uc218 \uc544\ud0a4\ud14d\ucc98\ub97c \uac80\ud1a0\ud558\uace0, \ubcf5\uc7a1\ud574\uc9c0\ub294 \uaddc\uc81c \ud658\uacbd\uc5d0\uc11c \uc8fc\uad8c \uc720\ub7fd \uae30\uc220\uc774 \uace0\uac1d\uacfc \ub3c5\ub9bd\uc131\uc744 \ubaa8\ub450 \uc5b4\ub5bb\uac8c \ubcf4\ud638\ud560 \uc218 \uc788\ub294\uc9c0 \ud0d0\uc0c9\ud574 \ubcf4\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>","protected":false},"excerpt":{"rendered":"<p>Global fines for anti money laundering and sanctions violations exceeded USD 5 billion worldwide in 2023, with enforcement actions continuing to surge through 2024 and 2025. This escalating regulatory pressure reflects how central compliance and risk management in banking has become to institutional survival. Banks today face a landscape where a single control failure can [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":46061,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[968,1006],"class_list":["post-49334","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-compliance","tag-risk-management"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Compliance and Risk Management in Banking Explained<\/title>\n<meta name=\"description\" content=\"Explore the importance of compliance and risk management in banking to avoid penalties and ensure operational stability.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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