AML platform overhaul: подготовка к regulator scrutiny

Контекст

Государственный банк УЗ. cbu.uz inspection нашёл AML gaps — sanctions screening intermittent, SAR submission delayed, case management chaotic. Ultimatum: 12-month remediation plan.

Диагностика (4 недели)

• Transaction monitoring rule-based legacy, false positive rate 95%.
• Sanctions screening — manual update lists, batch (24-hour delay).
• KYC refresh sporadic.
• SAR submission — paper-based, delayed.
• Audit trail incomplete.

Подход (12 месяцев)

Месяцы 1-3. Architecture + vendor selection. Modern AML platform vendor с local compliance.

Месяцы 3-6. Transaction monitoring upgrade. Real-time screening, ML-augmented anomaly detection. False positive tuning.

Месяцы 6-8. Sanctions real-time. Continuous list updates, immediate screening.

Месяцы 8-10. Case management workflow. Investigation → decision → SAR → audit.

Месяцы 10-12. KYC refresh automation, ongoing PEP / adverse media.

Результаты

После 12 месяцев:

• False positive rate 95% → 22%.
• SAR submission time: 18 days → 3 days.
• Sanctions screening: real-time, 0 missed list updates.
• Audit trail complete для каждого case.
• cbu.uz follow-up inspection: passed без findings.
• Compliance team capacity freed для high-value investigations.

Что критически важно

CRO + CCO joint sponsorship.

Vendor с local regulatory expertise — не generic global.

Workflow design с compliance team input — they live с it.

Связанное

• /solutions/banking-aml-compliance-platform/ — AML platform
• /insights/banking-aml-regulatory-uz/ — AML regulatory
• /expertise/banking-compliance-discipline/ — compliance
• /architecture/banking-realtime-decisioning/ — decisioning