{"id":569,"date":"2026-06-29T10:48:46","date_gmt":"2026-06-29T10:48:46","guid":{"rendered":"https:\/\/grcconsulting.co.nz\/?p=569"},"modified":"2026-06-29T12:41:16","modified_gmt":"2026-06-29T12:41:16","slug":"the-red-flag-nobody-raised-how-aml-failures-start-small-and-end-your-business","status":"publish","type":"post","link":"https:\/\/grcconsulting.co.nz\/cn\/the-red-flag-nobody-raised-how-aml-failures-start-small-and-end-your-business\/","title":{"rendered":"The Red Flag Nobody Raised: how AML failures start small and\u00a0end your business"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"569\" class=\"elementor elementor-569\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-677d81c e-flex e-con-boxed e-con e-parent\" data-id=\"677d81c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ffbb685 elementor-widget elementor-widget-html\" data-id=\"ffbb685\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!--\r\n  ELEMENTOR HTML WIDGET \u2014 GRC brand style (royal blue + orange on white).\r\n  Paste this ENTIRE file into one Elementor \"HTML\" widget.\r\n  All CSS is scoped under .grc-aml so it will not affect the rest of your site.\r\n\r\n  NOTE: the final two sections \u2014 the \"honest question\" checklist and the closing\r\n  reframe \u2014 were completed by me because your source draft cut off at \"Your customer\r\n  files.\" They are marked  <!-- DRAFTED --> \r\n\r\n<style>\r\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Newsreader:ital,opsz,wght@0,6..72,400;0,6..72,500;0,6..72,600;1,6..72,400;1,6..72,500&family=IBM+Plex+Mono:wght@400;500;600&family=IBM+Plex+Sans:wght@400;450;500;600;700&display=swap');\r\n\r\n.grc-aml{\r\n  --paper:#FFFFFF;\r\n  --paper-2:#F2F4FB;\r\n  --ink:#1A2358;          \/* deep brand 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h2.section-title{font-family:var(--f-display);font-weight:500;color:var(--ink);font-size:clamp(26px,3.6vw,33px);line-height:1.16;letter-spacing:-.01em;margin:0 0 18px;}\r\n\r\n\/* Pull quotes *\/\r\n.grc-aml .pull{margin:34px 0;padding:6px 0 6px 26px;border-left:3px solid var(--accent);font-family:var(--f-display);font-size:clamp(19px,2.4vw,23px);line-height:1.42;color:var(--ink);font-style:italic;font-weight:400;}\r\n.grc-aml .pull.blue{border-left-color:var(--link);}\r\n\r\n\/* Risk card grid *\/\r\n.grc-aml .cards{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--rule);border:1px solid var(--rule);border-radius:7px;overflow:hidden;margin:8px 0 4px;}\r\n.grc-aml .card{background:var(--paper);padding:24px 22px;}\r\n.grc-aml .card .ico{width:26px;height:26px;color:var(--accent);margin-bottom:14px;}\r\n.grc-aml .card h4{font-family:var(--f-body);font-size:16px;font-weight:600;color:var(--ink);margin:0 0 8px;line-height:1.25;letter-spacing:-.005em;}\r\n.grc-aml 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16px;padding:0;}\r\n.grc-aml .check li{padding:16px 0;border-top:1px solid var(--rule);}\r\n.grc-aml .check li:last-child{border-bottom:1px solid var(--rule);}\r\n.grc-aml .check b{display:block;font-family:var(--f-body);font-size:16.5px;color:var(--ink);font-weight:600;margin-bottom:4px;}\r\n.grc-aml .check span{font-size:15.5px;color:var(--muted);line-height:1.5;}\r\n\r\n\/* Sources \/ references *\/\r\n.grc-aml .sources{margin:46px auto 0;padding-top:26px;border-top:1px solid var(--rule);}\r\n.grc-aml .sources h2{font-family:\"IBM Plex Mono\",monospace;font-size:11.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--muted);font-weight:600;margin:0 0 12px;}\r\n.grc-aml .sources ol{margin:0;padding:0;list-style:none;counter-reset:src;}\r\n.grc-aml .sources li{counter-increment:src;position:relative;padding:11px 0 11px 30px;border-top:1px dashed var(--rule);font-size:14px;line-height:1.5;color:var(--body);}\r\n.grc-aml .sources li:first-child{border-top:0;}\r\n.grc-aml .sources li::before{content:counter(src,decimal-leading-zero);position:absolute;left:0;top:12px;font-family:\"IBM Plex Mono\",monospace;font-size:11.5px;color:var(--accent);font-weight:600;}\r\n.grc-aml .sources a{color:var(--link);text-decoration:underline;text-underline-offset:2px;word-break:break-word;}\r\n\r\n\/* Disclaimer *\/\r\n.grc-aml .disclaimer{margin:30px auto 0;padding:26px 28px;background:var(--paper-2);border:1px solid var(--rule);border-radius:6px;}\r\n.grc-aml .disclaimer h2{font-family:\"IBM Plex Mono\",monospace;font-size:11.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--muted);font-weight:600;margin:0 0 12px;}\r\n.grc-aml .disclaimer p{font-size:14.5px;line-height:1.6;color:var(--muted);margin:0;}\r\n\r\n\/* CTA \u2014 mirrors the site's blue \"Insights\" panel *\/\r\n.grc-aml .cta{margin-top:60px;background:var(--cta-bg);color:#fff;}\r\n.grc-aml .cta .col{padding:56px 0;}\r\n.grc-aml .cta .eyebrow{color:#FFB089;}\r\n.grc-aml .cta .eyebrow::before{color:var(--accent);}\r\n.grc-aml .cta h2{font-family:var(--f-display);font-weight:500;font-size:clamp(26px,3.6vw,34px);line-height:1.18;margin:0 0 16px;color:#fff;}\r\n.grc-aml .cta p{color:#D7DCF5;font-size:17px;margin:0 0 28px;max-width:540px;}\r\n.grc-aml .btn{display:inline-flex;align-items:center;gap:10px;background:#fff;color:var(--link);text-decoration:none;font-family:\"IBM Plex Mono\",monospace;font-size:13px;letter-spacing:.08em;text-transform:uppercase;font-weight:600;padding:14px 24px;border-radius:5px;transition:background .18s ease,color .18s ease;}\r\n.grc-aml .btn:hover{background:var(--accent);color:#fff;}\r\n.grc-aml .btn .arr{transition:transform .18s ease;}\r\n.grc-aml .btn:hover .arr{transform:translateX(3px);}\r\n\r\n.grc-aml .post-footer{padding:30px 0 50px;}\r\n.grc-aml .post-footer .col{display:flex;flex-wrap:wrap;gap:8px 18px;justify-content:space-between;font-family:\"IBM Plex Mono\",monospace;font-size:11.5px;letter-spacing:.08em;color:var(--muted);text-transform:uppercase;border-top:1px solid var(--rule);padding-top:24px;}\r\n\r\n\/* Load motion *\/\r\n.grc-aml .fade{opacity:0;transform:translateY(10px);animation:grcRise .7s cubic-bezier(.22,.61,.36,1) forwards;}\r\n.grc-aml .fade.d1{animation-delay:.06s;}\r\n.grc-aml .fade.d2{animation-delay:.12s;}\r\n.grc-aml .fade.d3{animation-delay:.18s;}\r\n@keyframes grcRise{to{opacity:1;transform:none;}}\r\n\r\n.grc-aml a:focus-visible,.grc-aml .btn:focus-visible{outline:2px solid var(--link);outline-offset:3px;border-radius:2px;}\r\n\r\n@media (max-width:760px){\r\n  .grc-aml{font-size:17px;}\r\n  .grc-aml .wrap{padding:0 20px;}\r\n  .grc-aml .hero{padding:48px 0 26px;}\r\n  .grc-aml .masthead nav{display:none;}\r\n  .grc-aml .cards{grid-template-columns:1fr;}\r\n}\r\n@media (prefers-reduced-motion:reduce){\r\n  .grc-aml .fade{animation:none;opacity:1;transform:none;}\r\n  .grc-aml .btn .arr{transition:none;}\r\n}\r\n<\/style>\r\n\r\n<div class=\"grc-aml\">\r\n\r\n  <header class=\"masthead\">\r\n    <div class=\"wrap\">\r\n      <div class=\"brand\"><span class=\"dot\"><\/span>GRC\u54a8\u8be2<\/div>\r\n      <nav>AML\/CFT &nbsp;&middot;&nbsp; Business Risk<\/nav>\r\n    <\/div>\r\n  <\/header>\r\n\r\n  <div class=\"hero\">\r\n    <div class=\"wrap col\">\r\n      <p class=\"eyebrow fade\">\u53cd\u6d17\u94b1\/\u53cd\u6050\u6016\u878d\u8d44 \u00b7 \u4e1a\u52a1\u98ce\u9669 <\/p>\r\n      <h1 class=\"fade d1\">\u65e0\u4eba\u6307\u51fa\u7684\u8b66\u793a\u4fe1\u53f7\uff1a <span class=\"h1-sub\">50\n\u53cd\u6d17\u94b1\uff08AML\uff09\u5408\u89c4\u5931\u8bef\u5982\u4f55\u59cb\u4e8e\u5fae\u5c0f\uff0c <em>\u6700\u7ec8\u5bfc\u81f4\u4f01\u4e1a\u5012\u95ed<\/em><\/span><\/h1>\r\n      <p class=\"standfirst fade d2\">\u8bd5\u60f3\u4e00\u4e0b\uff0c\u4f60\u82b1\u4e86\u5341\u4e94\u5e74\u65f6\u95f4\u5efa\u7acb\u8d77\u4e00\u5bb6\u4f01\u4e1a\uff1a\u62e5\u6709\u826f\u597d\u7684\u58f0\u8a89\u3001\u5fe0\u5b9e\u7684\u5ba2\u6237\u7fa4\u548c\u7a33\u5065\u7684\u8425\u6536\u3002\u7136\u800c\u67d0\u4e00\u5929\uff0c\u4f60\u6536\u5230\u94f6\u884c\u5bc4\u6765\u7684\u4e00\u5c01\u4fe1\uff0c\u901a\u77e5\u4f60\u8981\u5173\u95ed\u4f60\u7684\u8d26\u6237\u3002\u4fe1\u4e2d\u63d0\u4f9b\u7684\u7ec6\u8282\u5be5\u5be5\u65e0\u51e0\uff0c\u7ed9\u51fa\u7684\u901a\u77e5\u65f6\u95f4\u4e5f\u5341\u5206\u4ed3\u4fc3\u3002\u7d27\u63a5\u7740\u2014\u2014\u8d26\u6237\u5c31\u88ab\u5173\u95ed\u4e86\u3002<\/p>\r\n      <p class=\"standfirst fade d2\">\u8fd9\u5e76\u975e\u5f02\u60f3\u5929\u5f00\u3002\u5bf9\u4e8e\u90a3\u4e9b\u56e0\u53cd\u6d17\u94b1\/\u53cd\u6050\u6016\u878d\u8d44\uff08AML\/CFT\uff09\u8fdd\u89c4\u95ee\u9898\u2014\u2014\u65e0\u8bba\u662f\u76f4\u63a5\u8fdd\u89c4\u8fd8\u662f\u56e0\u5173\u8054\u5173\u7cfb\u53d7\u7d2f\u2014\u2014\u800c\u9677\u5165\u56f0\u5883\u7684\u4f01\u4e1a\u6765\u8bf4\uff0c\u8fd9\u662f\u4e00\u79cd\u73b0\u5b9e\u53ef\u80fd\u53d1\u751f\u7684\u540e\u679c\u3002\u800c\u4e14\uff0c\u7f5a\u6b3e\u5f80\u5f80\u8fd8\u53ea\u662f\u5176\u4e2d\u6700\u5fae\u4e0d\u8db3\u9053\u7684\u95ee\u9898\u3002<\/p>\r\n      <div class=\"meta fade d3\">\r\n        <span>GRC\u54a8\u8be2<\/span><span class=\"sep\">\/<\/span>\r\n        <span>2026\u5e746\u6708<\/span><span class=\"sep\">\/<\/span>\r\n        <span>8\u5206\u949f\u9605\u8bfb<\/span><span class=\"sep\">\/<\/span>\r\n        <span class=\"tagset\"><span class=\"jtag\">\u65b0\u897f\u5170<\/span><\/span>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"wrap\">\r\n    <nav class=\"toc col\" aria-label=\"Contents\">\r\n      <h2>\u672c\u9875\u5185\u5bb9<\/h2>\r\n      <ol>\r\n        <li><a href=\"#fallout\">\u7f5a\u6b3e\u767b\u4e0a\u5934\u6761\uff0c\u800c\u968f\u4e4b\u800c\u6765\u7684\u540e\u679c\u5374\u8db3\u4ee5\u65ad\u9001\u8fd9\u5bb6\u4f01\u4e1a\u3002<\/a><\/li>\r\n        <li><a href=\"#story\">\u5bf9\u4e8e\u5c0f\u578b\u4f01\u4e1a\u800c\u8a00\uff0c\u53cd\u6d17\u94b1\uff08AML\uff09\u5408\u89c4\u5931\u8d25\u7a76\u7adf\u662f\u600e\u6837\u4e00\u756a\u666f\u8c61\uff1f<\/a><\/li>\r\n        <li><a href=\"#cascade\">\u5371\u5bb3\u5982\u4f55\u8513\u5ef6\u2014\u2014\u5176\u8303\u56f4\u8d85\u51fa\u4e86\u5927\u591a\u6570\u4e1a\u4e3b\u7684\u9884\u671f<\/a><\/li>\r\n        <li><a href=\"#debanking\">\u5931\u53bb\u94f6\u884c\u8d26\u6237\u662f\u8db3\u4ee5\u5bfc\u81f4\u4f01\u4e1a\u5012\u95ed\u7684\u4e8b\u4ef6\u3002<\/a><\/li>\r\n        <li><a href=\"#reputation\">\u60a8\u7684\u540d\u5b57\u4e00\u65e6\u51fa\u73b0\u5728\u516c\u5f00\u7684\u6267\u6cd5\u901a\u77e5\u4e2d\uff0c\u4fbf\u4e0d\u4f1a\u8f7b\u6613\u6d88\u5931\u3002<\/a><\/li>\r\n        <li><a href=\"#checklist\">\u5728\u76d1\u7ba1\u673a\u6784\u773c\u4e2d\uff0c\u60a8\u7684\u4f01\u4e1a\u76ee\u524d\u662f\u4f55\u79cd\u5f62\u8c61\uff1f<\/a><\/li>\r\n      <\/ol>\r\n    <\/nav>\r\n  <\/div>\r\n\r\n  <div class=\"wrap\">\r\n    <article class=\"col\">\r\n\r\n      <!-- 01 -->\r\n      <section class=\"section\" id=\"fallout\">\r\n        <span class=\"kicker\">\u65e0\u4eba\u63d0\u53ca\u7684\u90a3\u4e00\u90e8\u5206<\/span>\r\n        <h2 class=\"section-title\">\u7f5a\u6b3e\u767b\u4e0a\u5934\u6761\uff0c\u800c\u968f\u4e4b\u800c\u6765\u7684\u540e\u679c\u5374\u8db3\u4ee5\u65ad\u9001\u8fd9\u5bb6\u4f01\u4e1a\u3002<\/h2>\r\n        <p>\u5f53\u6267\u6cd5\u673a\u6784\u5ba3\u5e03\u5bf9\u94f6\u884c\u6216\u91d1\u878d\u673a\u6784\u5904\u4ee5\u7f5a\u6b3e\u65f6\uff0c\u91d1\u989d\u5f80\u5f80\u60ca\u4eba\u2014\u2014\u6570\u4ebf\u751a\u81f3\u6570\u5341\u4ebf\u7f8e\u5143\u3002\u8fd9\u6b63\u662f\u5a92\u4f53\u5173\u6ce8\u7684\u7126\u70b9\u3002\u7136\u800c\uff0c\u9c9c\u5c11\u89c1\u8bf8\u62a5\u7aef\u7684\u662f\u5c0f\u578b\u4f01\u4e1a\u6240\u906d\u53d7\u7684\u5883\u9047\uff1a\u90a3\u662f\u4e00\u79cd\u6084\u65e0\u58f0\u606f\u5374\u53c8\u6301\u7eed\u4e0d\u65ad\u7684\u4f24\u5bb3\uff0c\u5f80\u5f80\u5728\u76d1\u7ba1\u673a\u6784\u64a4\u79bb\u8bb8\u4e45\u4e4b\u540e\uff0c\u4f9d\u7136\u5728\u4f01\u4e1a\u5185\u90e8\u7684\u5404\u4e2a\u89d2\u843d\u8513\u5ef6\u3002<\/p>\r\n        <p>\u8ba9\u6211\u4eec\u6765\u770b\u770b\u8fd9\u5177\u4f53\u610f\u5473\u7740\u4ec0\u4e48\u2014\u2014\u56e0\u4e3a\u5982\u679c\u4f60\u7ecf\u8425\u7684\u4f01\u4e1a\u6d89\u53ca\u4efb\u4f55\u5f62\u5f0f\u7684\u8d22\u52a1\u6d3b\u52a8\uff0c\u8fd9\u5c31\u6784\u6210\u4e86\u4f60\u5f53\u524d\u6240\u9762\u4e34\u7684\u98ce\u9669\u56fe\u8c31\u3002<\/p>\r\n\r\n        <div class=\"cards\">\r\n          <div class=\"card\">\r\n            <svg class=\"ico\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M12 7v10M9.5 9.2c0-1 1.1-1.7 2.5-1.7s2.5.7 2.5 1.7-1.1 1.6-2.5 1.6-2.5.7-2.5 1.7 1.1 1.7 2.5 1.7 2.5-.7 2.5-1.7\"\/><\/svg>\r\n            <h4>\u76d1\u7ba1\u7f5a\u6b3e<\/h4>\r\n            <p>\u663e\u800c\u6613\u89c1\u7684\u3002\u5728\u65b0\u897f\u5170\uff0c <a href=\"https:\/\/www.rbnz.govt.nz\/news-and-events\/news\/2026\/06\/asb-bank-ordered-to-pay-largest-aml-cft-penalty-to-date\" target=\"_blank\" rel=\"noopener noreferrer\">ASB Bank<\/a> \u88ab\u5904\u4ee5670\u4e07\u65b0\u897f\u5170\u5143\u7684\u7f5a\u6b3e\u3002\u89c4\u6a21\u8f83\u5c0f\u7684\u4f01\u4e1a\u9762\u4e34\u7684\u7f5a\u6b3e\u6570\u989d\u867d\u4e0e\u81ea\u8eab\u89c4\u6a21\u6302\u94a9\uff0c\u4f46\u4f9d\u7136\u4ee3\u4ef7\u6c89\u91cd\u3002<\/p>\r\n          <\/div>\r\n          <div class=\"card\">\r\n            <svg class=\"ico\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\"><path d=\"M4 9.5 12 4l8 5.5M5 9.5V19h14V9.5M8.5 12.5v3.5M12 12.5v3.5M15.5 12.5v3.5M3.5 19h17\"\/><\/svg>\r\n            <h4>\u5931\u53bb\u94f6\u884c\u670d\u52a1\u6e20\u9053<\/h4>\r\n            <p>\u94f6\u884c\u9762\u4e34\u7740\u6e05\u9000\u9ad8\u98ce\u9669\u5ba2\u6237\u7684\u538b\u529b\u3002\u4e00\u65e6\u51fa\u73b0\u5408\u89c4\u95ee\u9898\u2014\u2014\u54ea\u6015\u53ea\u662f\u4e0e\u4e4b\u4ea7\u751f\u5173\u8054\u2014\u2014\u60a8\u7684\u8d26\u6237\u5c31\u53ef\u80fd\u5728\u51e0\u4e4e\u6ca1\u6709\u4efb\u4f55\u9884\u5148\u901a\u77e5\u7684\u60c5\u51b5\u4e0b\u88ab\u5173\u95ed\u3002<\/p>\r\n          <\/div>\r\n          <div class=\"card\">\r\n            <svg class=\"ico\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\"><circle cx=\"9\" cy=\"8\" r=\"3\"\/><path d=\"M3.5 19c0-3 2.5-5 5.5-5s5.5 2 5.5 5M16 5l4 4M20 5l-4 4\"\/><\/svg>\r\n            <h4>\u987e\u5ba2\u4e2d\u9014\u79bb\u5e97<\/h4>\r\n            <p>\u5982\u679c\u5ba2\u6237\u53d1\u73b0\u60a8\u7684\u4f01\u4e1a\u5377\u5165\u4e86\u6d17\u94b1\u8c03\u67e5\uff0c\u4ed6\u4eec\u4e0d\u4f1a\u7b49\u5230\u8c03\u67e5\u7ed3\u679c\u51fa\u7089\u2014\u2014\u5728\u6700\u7ec8\u5b9a\u8bba\u4e4b\u524d\uff0c\u4ed6\u4eec\u5c31\u4f1a\u9009\u62e9\u79bb\u5f00\u3002<\/p>\r\n          <\/div>\r\n          <div class=\"card\">\r\n            <svg class=\"ico\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\"><path d=\"M6 4h9l3 3v13H6zM9 12h6M9 15h6\"\/><path d=\"M5 5l14 14\"\/><\/svg>\r\n            <h4>\u6267\u7167\u88ab\u6682\u505c\u6216\u540a\u9500<\/h4>\r\n            <p>\u76d1\u7ba1\u673a\u6784\u53ef\u4ee5\u6682\u505c\u6216\u540a\u9500\u7ecf\u8425\u6743\u3002\u5bf9\u4e8e\u8d27\u5e01\u670d\u52a1\u4f01\u4e1a\u6216\u8d22\u52a1\u987e\u95ee\u800c\u8a00\uff0c\u8fd9\u4e0d\u4ec5\u4ec5\u662f\u632b\u6298\uff0c\u800c\u662f\u610f\u5473\u7740\u505c\u4e1a\u3002<\/p>\r\n          <\/div>\r\n          <div class=\"card\">\r\n            <svg class=\"ico\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\"><path d=\"M7 3h7l4 4v14H7zM14 3v4h4M10 12h5M10 15h5\"\/><\/svg>\r\n            <h4>\u516c\u5f00\u6267\u6cd5\u901a\u77e5<\/h4>\r\n            <p>DIA\u3001RBNZ \u548c AUSTRAC \u4f1a\u516c\u5e03\u6267\u6cd5\u884c\u52a8\u5e76\u62ab\u9732\u76f8\u5173\u673a\u6784\u540d\u79f0\u3002\u6b64\u7c7b\u516c\u544a\u4e0d\u4f1a\u6d88\u5931\u2014\u2014\u5b83\u4f1a\u957f\u671f\u7559\u5b58\u5728\u641c\u7d22\u7ed3\u679c\u4e2d\uff0c\u5e76\u4e0e\u60a8\u7684\u4f01\u4e1a\u540d\u79f0\u5173\u8054\u3002<\/p>\r\n          <\/div>\r\n          <div class=\"card\">\r\n            <svg class=\"ico\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\"><circle cx=\"12\" cy=\"13\" r=\"7\"\/><path d=\"M12 9.5V13l2.5 1.5M9 3h6\"\/><\/svg>\r\n            <h4>\u4fee\u590d\u6210\u672c<\/h4>\r\n            <p>\u6cd5\u9662\u8d23\u4ee4\u5b9e\u65bd\u7684\u6574\u6539\u8ba1\u5212\u3001\u5916\u90e8\u987e\u95ee\u8d39\u7528\u3001\u7cfb\u7edf\u5347\u7ea7\u4ee5\u53ca\u5ef6\u957f\u76d1\u6d4b\u671f\uff0c\u5176\u6210\u672c\u53ef\u80fd\u8fdc\u8d85\u7f5a\u6b3e\u672c\u8eab\u3002<\/p>\r\n          <\/div>\r\n        <\/div>\r\n      <\/section>\r\n\r\n      <!-- 02 -->\r\n      <section class=\"section\" id=\"story\">\r\n        <span class=\"kicker\">\u8fd9\u6837\u4e00\u4e2a\u6545\u4e8b\uff0c\u53d1\u751f\u7684\u9891\u7387\u6bd4\u4f60\u60f3\u8c61\u7684\u8981\u9ad8\u3002<\/span>\r\n        <h2 class=\"section-title\">\u5bf9\u4e8e\u5c0f\u578b\u4f01\u4e1a\u800c\u8a00\uff0c\u53cd\u6d17\u94b1\uff08AML\uff09\u5408\u89c4\u5931\u8d25\u7a76\u7adf\u662f\u600e\u6837\u4e00\u756a\u666f\u8c61\uff1f<\/h2>\r\n\r\n        <div class=\"scenario\">\r\n          <p class=\"label\">\u8bbe\u60f3<\/p>\r\n          <p class=\"lede\">\u6c47\u6b3e\u4e1a\u52a1\u3002\u5341\u4e94\u5e74\u7684\u5fe0\u5b9e\u5ba2\u6237\u3002\u4e00\u9879\u8c03\u67e5\u3002<\/p>\r\n          <p>\u4e00\u5bb6\u5bb6\u65cf\u7ecf\u8425\u7684\u6c47\u6b3e\u516c\u53f8\u5411\u592a\u5e73\u6d0b\u5c9b\u5c7f\u6c47\u6b3e\u5df2\u6709\u5341\u4f59\u5e74\u3002\u516c\u53f8\u8001\u677f\u4e0e\u5927\u591a\u6570\u5ba2\u6237\u90fd\u76f8\u8bc6\u3002\u4e1a\u52a1\u72b6\u51b5\u826f\u597d\uff0c\u4e1a\u52a1\u91cf\u4e5f\u5728\u4e0d\u65ad\u589e\u957f\u3002<\/p>\r\n          <p>\u7136\u800c\uff0c\u8be5\u516c\u53f8\u5df2\u6709\u56db\u5e74\u672a\u66f4\u65b0\u5176\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5\u6d41\u7a0b\u3002\u90e8\u5206\u5ba2\u6237\u5728\u672a\u63d0\u4f9b\u8d44\u91d1\u6765\u6e90\u8bc1\u660e\u7684\u60c5\u51b5\u4e0b\uff0c\u6c47\u51fa\u4e86\u91d1\u989d\u65e5\u76ca\u5de8\u5927\u7684\u6b3e\u9879\u3002\u5c3d\u7ba1\u5185\u90e8\u6807\u8bb0\u4e86\u5c11\u6570\u51e0\u7b14\u4ea4\u6613\uff0c\u4f46\u5e76\u672a\u4e0a\u62a5\u5904\u7406\uff0c\u4e5f\u65e0\u4eba\u63d0\u4ea4\u53ef\u7591\u6d3b\u52a8\u62a5\u544a\u3002<\/p>\r\n          <p>\u968f\u540e\uff0c\u4e00\u540d\u5ba2\u6237\u906d\u5230\u8b66\u65b9\u8c03\u67e5\uff0c\u8be5\u6c47\u6b3e\u516c\u53f8\u4e5f\u88ab\u5377\u5165\u5176\u4e2d\u3002\u5185\u653f\u90e8\uff08DIA\uff09\u542f\u52a8\u4e86\u5ba1\u67e5\uff0c\u5e76\u53d1\u5e03\u4e86\u516c\u5f00\u6267\u6cd5\u901a\u77e5\u3002\u8be5\u516c\u53f8\u7684\u5f00\u6237\u94f6\u884c\u2014\u2014\u672c\u5c31\u5bf9\u6c47\u6b3e\u884c\u4e1a\u7684\u53cd\u6d17\u94b1\uff08AML\uff09\u98ce\u9669\u5fc3\u5b58\u987e\u8651\u2014\u2014\u968f\u5373\u5173\u95ed\u4e86\u5176\u8d26\u6237\u3002<\/p>\r\n          <p>\u6ca1\u6709\u94f6\u884c\u8d26\u6237\uff0c\u516c\u53f8\u5c31\u65e0\u6cd5\u8fd0\u8425\u3002\u4e0d\u51fa\u4e09\u4e2a\u6708\uff0c\u5b83\u5c31\u4f1a\u5012\u95ed\u3002<\/p>\r\n        <\/div>\r\n\r\n        <p>\u8fd9\u4e0d\u662f\u865a\u6784\u7684\u6545\u4e8b\uff0c\u800c\u662f\u7531\u65b0\u897f\u5170\u6267\u6cd5\u6848\u4ef6\u4e2d\u771f\u5b9e\u5b58\u5728\u7684\u6a21\u5f0f\u7efc\u5408\u800c\u6210\uff0c\u5176\u4e2d\u5305\u62ec <a href=\"https:\/\/www.dia.govt.nz\/press.nsf\/d77da9b523f12931cc256ac5000d19b6\/7499eb3174706ec2cc258ca1000869c8%21OpenDocument\" target=\"_blank\" rel=\"noopener noreferrer\">Qian DuoDuo<\/a>\uff0c\u88ab\u5904\u4ee5112.5\u4e07\u65b0\u897f\u5170\u5143\u7684\u7f5a\u6b3e\uff0c\u4e14\u5185\u653f\u90e8\uff08DIA\uff09\u8be6\u7ec6\u516c\u5e03\u4e86\u5176\u8fdd\u89c4\u884c\u4e3a\u2014\u2014\u5176\u4e2d\u5305\u62ec\u8be5\u516c\u53f8\u867d\u5df2\u610f\u8bc6\u5230\u76f8\u5173\u4ea4\u6613\u5177\u6709\u9ad8\u98ce\u9669\u6027\u8d28\uff0c\u5374\u672a\u9488\u5bf9\u8d44\u91d1\u6765\u6e90\u5f00\u5c55\u5145\u5206\u7684\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5\u3002<\/p>\r\n\r\n        <blockquote class=\"pull\">\u201c\u7f5a\u6b3e\u53cd\u5012\u662f\u5c0f\u4e8b\u3002\u5c31\u5728\u6211\u4eec\u7684\u94f6\u884c\u8d26\u6237\u88ab\u5173\u95ed\u7684\u90a3\u4e00\u523b\uff0c\u6211\u4eec\u65e2\u65e0\u6cd5\u5411\u4f9b\u5e94\u5546\u4ed8\u6b3e\uff0c\u4e5f\u65e0\u6cd5\u6536\u53d6\u5ba2\u6237\u6b3e\u9879\uff0c\u751a\u81f3\u53d1\u4e0d\u51fa\u5de5\u8d44\u3002\u90a3\u4e00\u5929\uff0c\u624d\u662f\u8fd9\u5bb6\u4f01\u4e1a\u771f\u6b63\u7ec8\u7ed3\u7684\u65e5\u5b50\u3002\u201d<\/blockquote>\r\n      <\/section>\r\n\r\n      <!-- 03 -->\r\n      <section class=\"section\" id=\"cascade\">\r\n        <span class=\"kicker\">\u65e0\u5f62\u7684\u635f\u5bb3<\/span>\r\n        <h2 class=\"section-title\">\u5371\u5bb3\u5982\u4f55\u8513\u5ef6\u2014\u2014\u5176\u8303\u56f4\u8d85\u51fa\u4e86\u5927\u591a\u6570\u4e1a\u4e3b\u7684\u9884\u671f<\/h2>\r\n        <p>\u4f01\u4e1a\u4e3b\u5f80\u5f80\u5c06\u53cd\u6d17\u94b1\/\u53cd\u6050\u6016\u878d\u8d44\uff08AML\/CFT\uff09\u98ce\u9669\u4ec5\u4ec5\u89c6\u4e3a\u7f5a\u6b3e\u2014\u2014\u5373\u4e00\u4e2a\u5177\u4f53\u7684\u91d1\u989d\uff1a\u5b83\u4f1a\u5e26\u6765\u51b2\u51fb\uff0c\u9020\u6210\u75db\u611f\uff0c\u6700\u7ec8\u8fd8\u5f97\u5982\u6570\u7f34\u7eb3\u3002\u7136\u800c\uff0c\u771f\u6b63\u7684\u635f\u5bb3\u5f80\u5f80\u5e76\u975e\u6e90\u4e8e\u5355\u4e00\u4e8b\u4ef6\uff0c\u800c\u662f\u4e00\u8fde\u4e32\u8fde\u9501\u53cd\u5e94\u3002\u8fd9\u79cd\u8fde\u9501\u53cd\u5e94\u901a\u5e38\u8868\u73b0\u4e3a\u4ee5\u4e0b\u60c5\u51b5\uff1a<\/p>\r\n\r\n        <div class=\"timeline\">\r\n          <div class=\"stage\">\r\n            <div class=\"node\">01<\/div>\r\n            <p class=\"lbl\">Stage 1<\/p>\r\n            <h4>\u8c03\u67e5\u5f00\u59cb\u4e86\u3002<\/h4>\r\n            <p>\u76d1\u7ba1\u5ba1\u67e5\u6216\u8b66\u65b9\u8c03\u67e5\u4f1a\u5f15\u53d1\u76f8\u5173\u5ba1\u89c6\u3002\u4f60\u751a\u81f3\u53ef\u80fd\u5bf9\u6b64\u6beb\u4e0d\u77e5\u60c5\u3002\u5ba2\u6237\u7684\u6d3b\u52a8\u6b63\u53d7\u5230\u68c0\u67e5\uff0c\u800c\u4f60\u7684\u8bb0\u5f55\u5b8c\u6574\u6027\u4e5f\u6b63\u5728\u63a5\u53d7\u8bc4\u4f30\u3002<\/p>\r\n          <\/div>\r\n          <div class=\"stage\">\r\n            <div class=\"node\">02<\/div>\r\n            <p class=\"lbl\">Stage 2<\/p>\r\n            <h4>\u76d1\u7ba1\u673a\u6784\u5efa\u7acb\u4e86\u8054\u7cfb<\/h4>\r\n            <p>\u60a8\u6536\u5230\u4e86\u6587\u4ef6\u8c03\u53d6\u8bf7\u6c42\u3001\u76d1\u7ba1\u68c0\u67e5\u901a\u77e5\u6216\u6b63\u5f0f\u516c\u51fd\u3002\u6cd5\u5f8b\u8d39\u7528\u968f\u5373\u4ea7\u751f\uff0c\u7ba1\u7406\u5c42\u4e0d\u5f97\u4e0d\u5c06\u7cbe\u529b\u4ece\u65e5\u5e38\u4e1a\u52a1\u8fd0\u8425\u8f6c\u79fb\u5230\u5e94\u5bf9\u6b64\u6b21\u5ba1\u67e5\u5de5\u4f5c\u4e0a\u3002<\/p>\r\n          <\/div>\r\n          <div class=\"stage\">\r\n            <div class=\"node\">03<\/div>\r\n            <p class=\"lbl\">Stage 3<\/p>\r\n            <h4>\u60a8\u7684\u94f6\u884c\u4f1a\u6536\u5230\u901a\u77e5\u2014\u2014\u6216\u8005\u53d8\u5f97\u7d27\u5f20\u8d77\u6765\u3002<\/h4>\r\n            <p>\u94f6\u884c\u4f1a\u5b9a\u671f\u76d1\u6d4b\u76d1\u7ba1\u6267\u6cd5\u901a\u77e5\uff0c\u5e76\u9488\u5bf9\u53d7\u5f71\u54cd\u7684\u5ba2\u6237\u8fdb\u884c\u5185\u90e8\u98ce\u9669\u5ba1\u67e5\u3002\u5373\u4fbf\u5c1a\u672a\u9488\u5bf9\u60a8\u505a\u51fa\u4efb\u4f55\u4e0d\u5229\u8ba4\u5b9a\uff0c\u60a8\u4e5f\u53ef\u80fd\u9762\u4e34\u201c\u53bb\u94f6\u884c\u5316\u201d\u2014\u2014\u5373\u8d26\u6237\u88ab\u5173\u95ed\u2014\u2014\u7684\u98ce\u9669\u3002<\/p>\r\n          <\/div>\r\n          <div class=\"stage\">\r\n            <div class=\"node\">04<\/div>\r\n            <p class=\"lbl\">Stage 4<\/p>\r\n            <h4>\u6267\u6cd5\u884c\u52a8\u516c\u5f00\u5316<\/h4>\r\n            <p>DIA\u3001RBNZ \u548c AUSTRAC \u4f1a\u516c\u5e03\u6267\u6cd5\u51b3\u5b9a\u3002\u60a8\u7684\u4f01\u4e1a\u540d\u79f0\u3001\u8fdd\u89c4\u6027\u8d28\u53ca\u5904\u7f5a\u7ed3\u679c\u5747\u4f1a\u88ab\u516c\u5f00\u8bb0\u5f55\u2014\u2014\u8fd9\u4e9b\u4fe1\u606f\u53ef\u4f9b\u68c0\u7d22\u3001\u5206\u4eab\uff0c\u4e14\u6c38\u4e45\u7559\u5b58\u3002<\/p>\r\n          <\/div>\r\n          <div class=\"stage\">\r\n            <div class=\"node\">05<\/div>\r\n            <p class=\"lbl\">Stage 5<\/p>\r\n            <h4>\u5ba2\u6237\u548c\u5408\u4f5c\u4f19\u4f34\u5f00\u59cb\u63d0\u51fa\u95ee\u9898\u3002<\/h4>\r\n            <p>\u73b0\u6709\u5ba2\u6237\u83b7\u6089\u4e86\u76f8\u5173\u6d88\u606f\u3002\u5546\u4e1a\u4f19\u4f34\u548c\u63a8\u8350\u65b9\u53d8\u5f97\u6c89\u9ed8\u3002\u83b7\u53d6\u65b0\u5ba2\u6237\u7684\u96be\u5ea6\u589e\u52a0\u3002\u4f01\u4e1a\u5ba2\u6237\u2014\u2014\u5c24\u5176\u662f\u90a3\u4e9b\u81ea\u8eab\u8d1f\u6709\u5408\u89c4\u4e49\u52a1\u7684\u5ba2\u6237\u2014\u2014\u53ef\u80fd\u4f1a\u5f7b\u5e95\u7ec8\u6b62\u5408\u4f5c\u5173\u7cfb\u3002<\/p>\r\n          <\/div>\r\n          <div class=\"stage\">\r\n            <div class=\"node\">06<\/div>\r\n            <p class=\"lbl\">Stage 6<\/p>\r\n            <h4>\u6536\u5165\u5d29\u584c\u2014\u2014\u5148\u662f\u6084\u65e0\u58f0\u606f\uff0c\u968f\u540e\u6025\u8f6c\u76f4\u4e0b\u3002<\/h4>\r\n            <p>\u6d41\u5931\u7684\u5ba2\u6237\u4e0d\u4f1a\u63d0\u4ea4\u201c\u8f9e\u804c\u4fe1\u201d\uff0c\u8425\u6536\u53ea\u4f1a\u76f4\u63a5\u4e0b\u6ed1\u3002\u4f01\u4e1a\u4ecd\u9700\u627f\u62c5\u6cd5\u5f8b\u8d39\u7528\u3001\u8865\u6551\u6210\u672c\u4ee5\u53ca\u6f5c\u5728\u7684\u6301\u7eed\u76d1\u6d4b\u8d39\u7528\uff0c\u800c\u652f\u6491\u8fd9\u4e9b\u5f00\u652f\u7684\u6536\u5165\u5374\u5728\u7f29\u6c34\u3002<\/p>\r\n          <\/div>\r\n          <div class=\"stage\">\r\n            <div class=\"node\">07<\/div>\r\n            <p class=\"lbl\">Stage 7<\/p>\r\n            <h4>\u8be5\u4f01\u4e1a\u5012\u95ed\u2014\u2014\u6216\u8005\u4ee5\u8fdc\u4f4e\u4e8e\u5176\u4ef7\u503c\u7684\u4ef7\u683c\u88ab\u51fa\u552e\u3002<\/h4>\r\n            <p>\u66fe\u7ecf\u62e5\u6709\u826f\u597d\u5546\u8a89\u3001\u5fe0\u5b9e\u5ba2\u6237\u548c\u76c8\u5229\u4e1a\u52a1\u7684\u4f01\u4e1a\uff0c\u5982\u4eca\u5374\u80cc\u8d1f\u7740\u58f0\u8a89\u65b9\u9762\u7684\u5305\u88b1\u3002\u82e5\u4e0d\u5012\u95ed\uff0c\u4fbf\u53ea\u80fd\u4f4e\u4ef7\u51fa\u552e\u2014\u2014\u800c\u65b0\u4e1c\u5bb6\u5f80\u5f80\u8fd8\u5f97\u4e00\u5e76\u627f\u62c5\u76f8\u5173\u7684\u6574\u6539\u6216\u8865\u6551\u4e49\u52a1\u3002<\/p>\r\n          <\/div>\r\n        <\/div>\r\n      <\/section>\r\n\r\n      <!-- 04 -->\r\n      <section class=\"section\" id=\"debanking\">\r\n        <span class=\"kicker\">\u88ab\u94f6\u884c\u62d2\u4e4b\u95e8\u5916\u7684\u95ee\u9898<\/span>\r\n        <h2 class=\"section-title\">\u5931\u53bb\u94f6\u884c\u8d26\u6237\u5e76\u975e\u4ec5\u4ec5\u662f\u906d\u53d7\u4e00\u7b14\u7f5a\u6b3e\uff0c\u800c\u662f\u4f1a\u5bfc\u81f4\u4e1a\u52a1\u5f7b\u5e95\u7ec8\u7ed3\u7684\u707e\u96be\u6027\u4e8b\u4ef6\u3002<\/h2>\r\n        <p>\u8fd9\u4e00\u70b9\u503c\u5f97\u4e13\u95e8\u63a2\u8ba8\uff0c\u56e0\u4e3a\u5b83\u662f\u5927\u591a\u6570\u5c0f\u4f01\u4e1a\u4e3b\u5b8c\u5168\u4f4e\u4f30\u7684\u98ce\u9669\u2014\u2014\u76f4\u5230\u8fd9\u79cd\u98ce\u9669\u771f\u6b63\u964d\u4e34\u5230\u4ed6\u4eec\u5934\u4e0a\u3002<\/p>\r\n        <p>\u94f6\u884c\u81ea\u8eab\u4e5f\u987b\u5c65\u884c\u53cd\u6d17\u94b1\uff08AML\uff09\u53ca\u6253\u51fb\u8d44\u52a9\u6050\u6016\u4e3b\u4e49\uff08CFT\uff09\u7684\u4e49\u52a1\u3002\u5b83\u4eec\u5fc5\u987b\u5bf9\u5ba2\u6237\u5f00\u5c55\u5c3d\u804c\u8c03\u67e5\uff0c\u76d1\u63a7\u4ea4\u6613\uff0c\u5e76\u7ec8\u6b62\u90a3\u4e9b\u6d89\u53ca\u4e0d\u53ef\u63a5\u53d7\u98ce\u9669\u7684\u4e1a\u52a1\u5173\u7cfb\u3002\u5f53\u67d0\u5bb6\u4f01\u4e1a\u53d7\u5230\u76d1\u7ba1\u5ba1\u67e5\uff0c\u6216\u5176\u6240\u5c5e\u884c\u4e1a\u88ab\u94f6\u884c\u89c6\u4e3a\u9ad8\u98ce\u9669\u9886\u57df\uff08\u5982\u6c47\u6b3e\u3001\u52a0\u5bc6\u8d27\u5e01\u3001\u73b0\u91d1\u4ea4\u6613\u9891\u7e41\u7684\u96f6\u552e\u4e1a\u3001\u8d27\u5e01\u670d\u52a1\u4e1a\uff09\u65f6\uff0c\u5176\u94f6\u884c\u670d\u52a1\u5173\u7cfb\u53ef\u80fd\u4f1a\u5728\u6781\u77ed\u7684\u901a\u77e5\u671f\u5185\u88ab\u7ec8\u6b62\u3002<\/p>\r\n\r\n        <blockquote class=\"pull blue\">\u201c\u88ab\u94f6\u884c\u7ec8\u6b62\u670d\u52a1\u201d\uff08de-banking\uff09\u5e76\u975e\u6cd5\u9662\u4f5c\u51fa\u7684\u5904\u7f5a\uff0c\u800c\u662f\u94f6\u884c\u7684\u4e00\u9879\u5546\u4e1a\u51b3\u7b56\u3002\u8fd9\u4e00\u8fc7\u7a0b\u4e0d\u6d89\u53ca\u4e0a\u8bc9\u3001\u542c\u8bc1\u6216\u5f3a\u5236\u6027\u65f6\u95f4\u8868\u3002\u6709\u4e9b\u4f01\u4e1a\u5f80\u5f80\u662f\u5728\u67d0\u7b14\u4ed8\u6b3e\u5931\u8d25\u65f6\uff0c\u624d\u53d1\u73b0\u81ea\u5df1\u5df2\u88ab\u94f6\u884c\u7ec8\u6b62\u4e86\u670d\u52a1\u3002<\/blockquote>\r\n\r\n        <p>\u5982\u679c\u6ca1\u6709\u94f6\u884c\u8d26\u6237\uff0c\u4f01\u4e1a\u5c31\u65e0\u6cd5\u6536\u53d6\u5ba2\u6237\u6b3e\u9879\u3001\u652f\u4ed8\u5458\u5de5\u5de5\u8d44\u3001\u7ed3\u6e05\u4f9b\u5e94\u5546\u8d26\u5355\u6216\u83b7\u53d6\u4fe1\u8d37\u8d44\u91d1\u3002\u5bf9\u4e8e\u5927\u591a\u6570\u4e2d\u5c0f\u4f01\u4e1a\u800c\u8a00\uff0c\u8fd9\u5e76\u975e\u4ec5\u4ec5\u662f\u4e00\u573a\u5371\u673a\uff0c\u800c\u662f\u5224\u4e86\u6b7b\u5211\u3002<\/p>\r\n        <p>\u6b8b\u9177\u7684\u8bbd\u523a\u5728\u4e8e\uff0c\u5373\u4fbf\u4f01\u4e1a\u5c1a\u672a\u88ab\u8ba4\u5b9a\u6709\u4efb\u4f55\u8fdd\u89c4\u884c\u4e3a\uff0c\u4e5f\u53ef\u80fd\u906d\u9047\u94f6\u884c\u5f3a\u5236\u7ec8\u6b62\u670d\u52a1\u7684\u5f85\u9047\u2014\u2014\u8fd9\u4ec5\u4ec5\u662f\u56e0\u4e3a\u76f8\u5173\u7684\u58f0\u8a89\u98ce\u9669\u8d85\u51fa\u4e86\u94f6\u884c\u6240\u80fd\u627f\u53d7\u7684\u9650\u5ea6\u3002\u6b63\u56e0\u5982\u6b64\uff0c\u53cd\u6d17\u94b1\u4e0e\u53cd\u6050\u6016\u878d\u8d44\uff08AML\/CFT\uff09\u5408\u89c4\u4e0d\u4ec5\u4ec5\u662f\u4e3a\u4e86\u89c4\u907f\u7f5a\u6b3e\uff0c\u66f4\u662f\u4e3a\u4e86\u786e\u4fdd\u4f01\u4e1a\u80fd\u591f\u7ee7\u7eed\u83b7\u5f97\u94f6\u884c\u670d\u52a1\u3002<\/p>\r\n      <\/section>\r\n\r\n      <!-- 05 -->\r\n      <section class=\"section\" id=\"reputation\">\r\n        <span class=\"kicker\">\u58f0\u8a89\u9677\u9631<\/span>\r\n        <h2 class=\"section-title\">\u60a8\u7684\u540d\u5b57\u4e00\u65e6\u51fa\u73b0\u5728\u516c\u5f00\u7684\u6267\u6cd5\u901a\u77e5\u4e2d\uff0c\u4fbf\u4e0d\u4f1a\u8f7b\u6613\u6d88\u5931\u3002<\/h2>\r\n        <p>\u4e00\u65e6 DIA\u3001RBNZ \u6216 AUSTRAC \u516c\u5e03\u4e86\u6267\u6cd5\u884c\u52a8\uff0c\u76f8\u5173\u8bb0\u5f55\u53ef\u80fd\u4f1a\u5728\u591a\u5e74\u5185\u4ecd\u53ef\u88ab\u68c0\u7d22\u5230\u2014\u2014\u8fd9\u4e9b\u8bb0\u5f55\u4f1a\u4e0e\u60a8\u7684\u4f01\u4e1a\u540d\u79f0\u6302\u94a9\uff0c\u5e76\u53ef\u88ab\u94f6\u884c\u3001\u5ba2\u6237\u3001\u5408\u4f5c\u4f19\u4f34\u53ca\u672a\u6765\u6f5c\u5728\u5ba2\u6237\u67e5\u9605\u3002<\/p>\r\n        <p>\u5927\u578b\u673a\u6784\u62e5\u6709\u516c\u5173\u56e2\u961f\u3001\u5f8b\u5e08\u548c\u54c1\u724c\u9884\u7b97\uff0c\u80fd\u591f\u5e94\u5bf9\u6267\u6cd5\u884c\u52a8\u5e26\u6765\u7684\u540e\u7eed\u5f71\u54cd\uff1b\u800c\u5c0f\u4f01\u4e1a\u5219\u4e0d\u5177\u5907\u8fd9\u4e9b\u8d44\u6e90\u3002<\/p>\r\n        <p>\u5f53DIA\u53d1\u5e03\u9488\u5bf9\u201c\u94b1\u591a\u591a\u201d\uff08Qian DuoDuo\uff09\u7684\u6267\u6cd5\u516c\u544a\u65f6\u2014\u2014\u5176\u4e2d\u6307\u51fa\u8be5\u516c\u53f8\u867d\u5df2\u610f\u8bc6\u5230\u76f8\u5173\u4ea4\u6613\u7684\u9ad8\u98ce\u9669\u6027\u8d28\uff0c\u5374\u672a\u91c7\u53d6\u4efb\u4f55\u884c\u52a8\u2014\u2014\u8be5\u516c\u544a\u4fbf\u6210\u4e86\u641c\u7d22\u8be5\u516c\u53f8\u540d\u79f0\u65f6\u51fa\u73b0\u7684\u9996\u6761\u7ed3\u679c\u3002\u8bb0\u8005\u5f15\u7528\u4e86\u5b83\uff0c\u793e\u533a\u6210\u5458\u5206\u4eab\u4e86\u5b83\uff0c\u6f5c\u5728\u5ba2\u6237\u5728\u81f4\u7535\u54a8\u8be2\u524d\u4e5f\u9605\u8bfb\u4e86\u5b83\u3002<\/p>\r\n        <p>\u5bf9\u4e8e\u5c0f\u4f01\u4e1a\u800c\u8a00\uff0c\u6536\u5230\u70b9\u540d\u63d0\u53ca\u7684\u6267\u6cd5\u901a\u77e5\uff0c\u5176\u540e\u679c\u8fdc\u4e0d\u6b62\u6cd5\u5f8b\u6216\u8d22\u52a1\u5c42\u9762\uff0c\u66f4\u5173\u4e4e\u4f01\u4e1a\u7684\u751f\u6b7b\u5b58\u4ea1\u3002\u5728\u91d1\u878d\u670d\u52a1\u3001\u6c47\u6b3e\u3001\u6cd5\u5f8b\u3001\u623f\u5730\u4ea7\u53ca\u4f1a\u8ba1\u7b49\u8054\u7cfb\u7d27\u5bc6\u7684\u884c\u4e1a\u4e2d\uff0c\u6d88\u606f\u5f80\u5f80\u4e0d\u80eb\u800c\u8d70\uff1a\u5ba2\u6237\u63a8\u8350\u6e20\u9053\u4f1a\u968f\u4e4b\u67af\u7aed\uff0c\u4e0e\u884c\u4e1a\u534f\u4f1a\u7684\u5173\u7cfb\u53d8\u5f97\u5c34\u5c2c\uff0c\u5408\u4f19\u6d3d\u8c08\u4e5f\u4f1a\u9677\u5165\u505c\u6ede\u3002<\/p>\r\n        <p><a href=\"https:\/\/www.dia.govt.nz\/press.nsf\/d77da9b523f12931cc256ac5000d19b6\/de0bccc22b287982cc258ba40018b7f1%21OpenDocument\" target=\"_blank\" rel=\"noopener noreferrer\">SkyCity<\/a> \u5728\u65b0\u897f\u5170\uff0c\u56e0\u53cd\u6d17\u94b1\uff08AML\uff09\u4f53\u7cfb\u5b58\u5728\u7cfb\u7edf\u6027\u7f3a\u9677\u800c\u88ab\u5904\u4ee5 416 \u4e07\u65b0\u897f\u5170\u5143\u7684\u7f5a\u6b3e\uff0c\u5e76\u88ab\u516c\u5f00\u901a\u62a5\u3002SkyCity \u89c4\u6a21\u8db3\u591f\u5927\uff0c\u80fd\u591f\u627f\u53d7\u8fd9\u4e00\u6253\u51fb\uff0c\u4f46\u5927\u591a\u6570\u4f01\u4e1a\u5219\u4e0d\u7136\u3002<\/p>\r\n      <\/section>\r\n\r\n      <!-- 06  (DRAFTED \u2014 source draft cut off after \"Your customer files\") -->\r\n      <section class=\"section\" id=\"checklist\">\r\n        <span class=\"kicker\">\u5766\u8bda\u7684\u95ee\u9898<\/span>\r\n        <h2 class=\"section-title\">\u5728\u76d1\u7ba1\u673a\u6784\u773c\u4e2d\uff0c\u60a8\u7684\u4e1a\u52a1\u76ee\u524d\u7a76\u7adf\u662f\u4f55\u79cd\u72b6\u51b5\uff1f<\/h2>\r\n        <p>\u8fd9\u91cc\u6709\u4e00\u4e2a\u5f88\u6709\u7528\u7684\u7ec3\u4e60\u3002\u8bd5\u60f3\u4e00\u4e0b\uff0c\u5982\u679c\u76d1\u7ba1\u5ba1\u67e5\u5458\u660e\u5929\u6765\u5230\u60a8\u7684\u4f01\u4e1a\uff0c\u5e76\u8981\u6c42\u67e5\u770b\uff1a<\/p>\r\n\r\n        <!-- DRAFTED: replace these five items with your own list if you have it -->\r\n        <ul class=\"check\">\r\n          <li>\r\n            <b>\u60a8\u7684\u5ba2\u6237\u6863\u6848<\/b>\r\n            <span>\u60a8\u80fd\u5426\u5728\u65e0\u9700\u624b\u5fd9\u811a\u4e71\u7684\u60c5\u51b5\u4e0b\uff0c\u63d0\u4f9b\u6bcf\u4e00\u4f4d\u5ba2\u6237\uff08\u5305\u62ec\u9ad8\u98ce\u9669\u5ba2\u6237\uff09\u7684\u8eab\u4efd\u9a8c\u8bc1\u53ca\u5c3d\u804c\u8c03\u67e5\u8bb0\u5f55\uff1f<\/span>\r\n          <\/li>\r\n          <li>\r\n            <b>\u60a8\u7684\u98ce\u9669\u8bc4\u4f30<\/b>\r\n            <span>\u5b83\u662f\u9488\u5bf9\u8d35\u516c\u53f8\u4e1a\u52a1\u5236\u5b9a\u7684\u4e66\u9762\u6587\u4ef6\uff0c\u4e14\u5185\u5bb9\u65f6\u6548\u6027\u5f3a\uff0c\u8fd8\u662f\u8bf4\u5b83\u5df2\u8fc7\u65f6\u591a\u5e74\uff0c\u5b9e\u9645\u4e0a\u53ea\u662f\u4e00\u4efd\u901a\u7528\u6a21\u677f\uff1f<\/span>\r\n          <\/li>\r\n          <li class=\"translation-block\"><b>\u60a8\u7684\u4ea4\u6613\u76d1\u63a7<\/b>\n<span>\u60a8\u80fd\u5426\u5c55\u793a\u5982\u4f55\u68c0\u6d4b\u5f02\u5e38\u6d3b\u52a8\u3001\u7531\u8c01\u8fdb\u884c\u5ba1\u67e5\uff0c\u4ee5\u53ca\u5982\u4f55\u8bb0\u5f55\u5173\u4e8e\u5347\u7ea7\u5904\u7406\u6216\u4e88\u4ee5\u653e\u884c\u7684\u51b3\u7b56\uff1f<\/span><\/li>\r\n          <li>\r\n            <b>\u60a8\u7684\u53ef\u7591\u6d3b\u52a8\u62a5\u544a<\/b>\r\n            <span>\u5bf9\u4e8e\u54ea\u4e9b\u4e8b\u9879\u88ab\u6807\u8bb0\u3001\u4f5c\u51fa\u4e86\u4f55\u79cd\u51b3\u5b9a\u4ee5\u53ca\u4e0a\u62a5\u4e86\u4ec0\u4e48\u5185\u5bb9\uff0c\u662f\u5426\u6709\u6e05\u6670\u7684\u8bb0\u5f55\u53ef\u5faa\u2014\u2014\u8fd8\u662f\u8bf4\uff0c\u5185\u90e8\u6807\u8bb0\u4f1a\u6084\u65e0\u58f0\u606f\u5730\u6d88\u5931\uff1f<\/span>\r\n          <\/li>\r\n          <li>\r\n            <b>\u60a8\u7684\u53cd\u6d17\u94b1\/\u53cd\u6050\u6016\u878d\u8d44\uff08AML\/CFT\uff09\u8ba1\u5212<\/b>\r\n            <span>\u662f\u5426\u5b58\u5728\u6210\u6587\u7684\u89c4\u7a0b\uff1f\u60a8\u7684\u56e2\u961f\u662f\u5426\u63a5\u53d7\u8fc7\u76f8\u5173\u57f9\u8bad\uff1f\u662f\u5426\u6709\u8bc1\u636e\u8868\u660e\u8be5\u89c4\u7a0b\u5728\u5b9e\u9645\u5de5\u4f5c\u4e2d\u5f97\u5230\u4e86\u6267\u884c\uff0c\u800c\u4e0d\u4ec5\u4ec5\u662f\u505c\u7559\u5728\u7eb8\u9762\u4e0a\uff1f<\/span>\r\n          <\/li>\r\n        <\/ul>\r\n        <p>\u5982\u679c\u4e0a\u8ff0\u4efb\u4f55\u95ee\u9898\u7684\u56de\u7b54\u8ba9\u4f60\u72b9\u8c6b\uff0c\u90a3\u4e48\u8fd9\u79cd\u72b9\u8c6b\u6b63\u662f\u8003\u5b98\u53d7\u8fc7\u4e13\u95e8\u8bad\u7ec3\u53bb\u6355\u6349\u7684\u201c\u7f3a\u53e3\u201d\u3002\u597d\u6d88\u606f\u662f\uff0c\u8fd9\u4e5f\u662f\u4f60\u53ef\u4ee5\u5728\u8003\u5b98\u5bdf\u89c9\u4e4b\u524d\u81ea\u884c\u5f25\u8865\u7684\u7f3a\u53e3\u3002<\/p>\r\n      <\/section>\r\n\r\n      <!-- CLOSING REFRAME  (DRAFTED) -->\r\n      <section class=\"section\">\r\n        <span class=\"kicker\">\u91cd\u6784\u89c6\u89d2<\/span>\r\n        <h2 class=\"section-title\">\u8fd9\u4ece\u6765\u90fd\u4e0d\u662f\u4e3a\u4e86\u8d70\u8fc7\u573a\u3002<\/h2>\r\n        <p>\u4eba\u4eec\u5f88\u5bb9\u6613\u5c06\u53cd\u6d17\u94b1\u4e0e\u53cd\u6050\u6016\u878d\u8d44\uff08AML\/CFT\uff09\u5408\u89c4\u89c6\u4e3a\u4e00\u79cd\u6210\u672c\u2014\u2014\u5373\u4e3a\u4e86\u5e94\u4ed8\u76d1\u7ba1\u673a\u6784\u3001\u907f\u514d\u9ebb\u70e6\u800c\u5fc5\u987b\u586b\u62a5\u7684\u4e00\u5806\u8868\u683c\u3002\u7136\u800c\uff0c\u8fd9\u79cd\u770b\u6cd5\u5ffd\u7565\u4e86\u95ee\u9898\u7684\u5b9e\u8d28\u3002\u65e0\u8bba\u662f\u8bb0\u5f55\u7559\u5b58\u3001\u4ea4\u6613\u76d1\u63a7\u8fd8\u662f\u76d1\u7ba1\u62a5\u544a\uff0c\u5176\u76ee\u7684\u7edd\u975e\u4ec5\u4ec5\u662f\u4e3a\u4e86\u6ee1\u8db3\u5408\u89c4\u6e05\u5355\u4e0a\u7684\u5404\u9879\u8981\u6c42\uff1b\u5b83\u4eec\u7684\u5b58\u5728\u662f\u4e3a\u4e86\u786e\u4fdd\u60a8\u80fd\u7ef4\u6301\u94f6\u884c\u670d\u52a1\u8d44\u683c\uff0c\u7ef4\u62a4\u60a8\u7684\u58f0\u8a89\uff08\u786e\u4fdd\u5728\u516c\u5f00\u67e5\u8be2\u65f6\u8bb0\u5f55\u6e05\u767d\uff09\uff0c\u5e76\u9632\u6b62\u56e0\u4e2a\u522b\u5ba2\u6237\u7684\u884c\u4e3a\u800c\u5bfc\u81f4\u60a8\u591a\u5e74\u5efa\u7acb\u7684\u4e8b\u4e1a\u6bc1\u4e8e\u4e00\u65e6\u3002<\/p>\r\n        <p>\u4f60\u82b1\u8d39\u5341\u4e94\u5e74\u5fc3\u8840\u5efa\u7acb\u8d77\u7684\u58f0\u8a89\u548c\u5fe0\u5b9e\u5ba2\u6237\u7fa4\uff0c\u7edd\u4e0d\u5e94\u56e0\u4e00\u4e2a\u672c\u53ef\u5728\u4e00\u4e0b\u5348\u5185\u89e3\u51b3\u7684\u6d41\u7a0b\u6f0f\u6d1e\u800c\u4ed8\u8bf8\u4e1c\u6d41\u3002\u5f3a\u5927\u7684\u5408\u89c4\u4f53\u7cfb\u5e76\u975e\u7ef4\u6301\u7ecf\u8425\u7684\u4ee3\u4ef7\uff0c\u800c\u662f\u5b88\u62a4\u4f01\u4e1a\u81ea\u8eab\u7684\u575a\u5b9e\u5c4f\u969c\u3002<\/p>\r\n      <\/section>\r\n\r\n      <!-- SOURCES \/ REFERENCES -->\r\n      <section class=\"sources\">\r\n        <h2>\u6765\u6e90\u4e0e\u53c2\u8003\u8d44\u6599<\/h2>\r\n        <ol>\r\n          <li>\u65b0\u897f\u5170\u50a8\u5907\u94f6\u884c\uff0c\u201cASB\u94f6\u884c\u88ab\u8d23\u4ee4\u652f\u4ed8\u8fc4\u4eca\u4e3a\u6b62\u6570\u989d\u6700\u5927\u7684\u53cd\u6d17\u94b1\/\u53cd\u6050\u6016\u878d\u8d44\uff08AML\/CFT\uff09\u7f5a\u6b3e\u201d\uff08\u65b0\u897f\u5170\u50a8\u5907\u94f6\u884c\u65b0\u95fb\uff0c2026\u5e746\u6708\uff09\u3002 <a href=\"https:\/\/www.rbnz.govt.nz\/news-and-events\/news\/2026\/06\/asb-bank-ordered-to-pay-largest-aml-cft-penalty-to-date\" target=\"_blank\" rel=\"noopener noreferrer\">rbnz.govt.nz<\/a><\/li>\r\n          <li>\u5185\u653f\u90e8\uff0c\u6267\u6cd5\u65b0\u95fb\u7a3f \u2014\u2014 \u94b1\u591a\u591a\uff08\u5185\u653f\u90e8\uff0c2025\u5e74\uff09\u3002 <a href=\"https:\/\/www.dia.govt.nz\/press.nsf\/d77da9b523f12931cc256ac5000d19b6\/7499eb3174706ec2cc258ca1000869c8%21OpenDocument\" target=\"_blank\" rel=\"noopener noreferrer\">dia.govt.nz<\/a><\/li>\r\n          <li>\u5185\u653f\u90e8\u6267\u6cd5\u65b0\u95fb\u7a3f\u2014\u2014SkyCity\uff08\u5185\u653f\u90e8\uff0c2024\u5e74\uff09\u3002 <a href=\"https:\/\/www.dia.govt.nz\/press.nsf\/d77da9b523f12931cc256ac5000d19b6\/de0bccc22b287982cc258ba40018b7f1%21OpenDocument\" target=\"_blank\" rel=\"noopener noreferrer\">dia.govt.nz<\/a><\/li>\r\n        <\/ol>\r\n      <\/section>\r\n\r\n      <aside class=\"disclaimer\">\r\n        <h2>\u5173\u4e8e\u672c\u6587<\/h2>\r\n        <p>\u672c\u6587\u4ec5\u4f9b\u63d0\u4f9b\u4e00\u822c\u6027\u8d44\u8baf\uff0c\u4e0d\u6784\u6210\u6cd5\u5f8b\u610f\u89c1\u3002\u6587\u4e2d\u6240\u8ff0\u5185\u5bb9\u53cd\u6620\u4e86\u622a\u81f32026\u5e746\u6708\u65b0\u897f\u5170\u53cd\u6d17\u94b1\/\u6253\u51fb\u8d44\u52a9\u6050\u6016\u4e3b\u4e49\uff08AML\/CFT\uff09\u6846\u67b6\u7684\u72b6\u51b5\u3002\u6587\u4e2d\u63d0\u53ca\u7684\u6267\u6cd5\u884c\u52a8\uff08\u6d89\u53caASB\u94f6\u884c\u3001Qian 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<span>GRC\u54a8\u8be2\u6709\u9650\u516c\u53f8<\/span>\r\n      <span>\u6d1e\u5bdf \u00b7 2026\u5e746\u6708<\/span>\r\n    <\/div>\r\n  <\/div>\r\n\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>GRC Consulting AML\/CFT &nbsp;&middot;&nbsp; Business Risk AML\/CFT &middot; Business Risk The red flag nobody raised: how AML failures start small and end your business Imagine spending fifteen years building a business. A good reputation. A loyal customer base. Solid revenue. Then one day, your bank sends you a letter. Your account is being closed. Limited [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-569","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/grcconsulting.co.nz\/cn\/wp-json\/wp\/v2\/posts\/569","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/grcconsulting.co.nz\/cn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/grcconsulting.co.nz\/cn\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/grcconsulting.co.nz\/cn\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/grcconsulting.co.nz\/cn\/wp-json\/wp\/v2\/comments?post=569"}],"version-history":[{"count":16,"href":"https:\/\/grcconsulting.co.nz\/cn\/wp-json\/wp\/v2\/posts\/569\/revisions"}],"predecessor-version":[{"id":605,"href":"https:\/\/grcconsulting.co.nz\/cn\/wp-json\/wp\/v2\/posts\/569\/revisions\/605"}],"wp:attachment":[{"href":"https:\/\/grcconsulting.co.nz\/cn\/wp-json\/wp\/v2\/media?parent=569"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/grcconsulting.co.nz\/cn\/wp-json\/wp\/v2\/categories?post=569"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/grcconsulting.co.nz\/cn\/wp-json\/wp\/v2\/tags?post=569"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}