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雷达卡
麦肯锡论风险
Number 8, November 2019
Financial crime, anti–money laundering, and cybersecurity
金融犯罪，反洗钱、洗钱和网络安全
Welcome to the eighth issue of McKinsey on Risk, the journal presenting McKinsey’s global perspective
and strategic thinking on risk. Here you will find articles addressing the principal risk areas affecting the
performance of the world’s leading companies. Taking a global view across business sectors and functions,
our experts offer industry insights and recount hands-on experiences of companies that are transforming
risk management and reducing enterprise risk.
This issue puts particular focus on the intersection of cybersecurity and efforts against financial crime,
including anti–money laundering programs. The stakes in these areas have never been higher. Hundreds
of billions of dollars pass through financial institutions illicitly each year, exploiting automated systems and
digitized pathways. Money launderers and defrauders use increasingly sophisticated methods, while the
complexity of cybersecurity breaches and attacks has increased, posing a greater threat to institutional
integrity. Globally, companies are spending millions of dollars to counter the dangers, while regulatory
penalties imposed for perceived laxity have run to tens of billions of dollars.
Our articles discuss the most effective solutions, based on the experiences of the world’s leading
companies. Going beyond siloed responses, these approaches often involve the risk, compliance, and
cybersecurity functions working together with the businesses to improve detection and reduce enterprise
risk. Regulators are now supporting innovation, encouraging companies to invest in advanced analytics
and artificial intelligence. These powerful tools vastly improve risk effectiveness and efficiency—network
analytics, for example, can find the hidden links between entities, illuminating the relationships and
interconnected transactions that characterize money-laundering activity.
The overall orientation is entirely consistent with the risk-based approaches that McKinsey has long
advocated. Used to their full potential, these approaches create value directly, enhancing business
strategies as well as reducing costs. Nowhere is this more apparent than in our risk-based approach to
cybersecurity, which enables companies to protect their most valuable assets and conduct operations
more safely—and at lower cost—while taking full business advantage of their risk appetite.
We are fully cognizant of the formidable transformation challenges posed by these advanced solutions.
Our risk-based approaches thus incorporate the most practical methods for surmounting the challenges
and achieving the needed risk transformations. In today’s risk environment, we believe that there is no
viable alternative.
欢迎来到第八期麦肯锡风险杂志，该杂志展示了麦肯锡的全球视角以及对风险的战略思考。在这里，您可以找到一些文章，讨论影响世界领先公司的业绩。从全球的角度看待各个业务部门和职能部门，我们的专家为正在转型的公司提供行业见解和详细的实践经验风险管理与降低企业风险。
本期专刊特别关注网络安全和打击金融犯罪的交叉点，包括反洗钱计划。这些领域的风险从未如此之高。数百每年有几十亿美元通过金融机构，利用自动化系统和数字化路径。洗钱者和诈骗者使用越来越复杂的方法，而网络安全漏洞和攻击的复杂性已经增加，对机构构成了更大的威胁。
正直。在全球范围内，企业正花费数百万美元来应对风险，而监管部门对轻视的处罚已达数百亿美元。
我们的文章根据世界领先者的经验讨论最有效的解决方案公司。除了孤立的响应，这些方法通常涉及风险、法规遵从性和
网络安全职能部门与企业合作，提高检测水平，减少企业数量冒险。监管机构目前正在支持创新，鼓励企业投资于先进的分析技术还有人工智能。这些强大的工具极大地提高了风险有效性和效率网络
例如，分析可以发现实体之间隐藏的链接，揭示关系和以洗钱活动为特征的相互关联的交易。
总体方向与麦肯锡长期以来基于风险的方法完全一致主张。这些方法充分利用了它们的潜力，直接创造了价值，增强了业务战略以及降低成本。在我们基于风险的方法中网络安全，使公司能够保护其最有价值的资产并进行运营更安全、成本更低，同时充分利用其风险偏好。
我们充分认识到这些先进解决方案带来的巨大变革挑战。因此，我们基于风险的方法包含了克服挑战的最实用方法实现所需的风险转换。在当今的风险环境中，我们认为可行的替代方案。
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