{"id":134,"date":"2017-05-03T07:00:24","date_gmt":"2017-05-03T14:00:24","guid":{"rendered":"https:\/\/www.microsoft.com\/ja-jp\/industry\/blog\/industry\/2017\/05\/03\/preventing-pain-transaction-screening-banking\/"},"modified":"2019-04-16T17:57:43","modified_gmt":"2019-04-16T08:57:43","slug":"preventing-pain-transaction-screening-banking","status":"publish","type":"post","link":"https:\/\/www.microsoft.com\/ja-jp\/industry\/blog\/financial-services\/2017\/05\/03\/preventing-pain-transaction-screening-banking\/","title":{"rendered":"\u9280\u884c\u306e\u53d6\u5f15\u5be9\u67fb\u306b\u4f34\u3046\u8ca0\u62c5\u3092\u89e3\u6d88"},"content":{"rendered":"

\u4e16\u754c\u4e2d\u306e\u9280\u884c\u304c\u65b0\u305f\u306b 24 \u6642\u9593\u53d6\u5f15\u306b\u5bfe\u5fdc\u3057\u3064\u3064\u3042\u308b\u4eca\u3001\u72af\u7f6a\u3084\u30c6\u30ed\u3082\u4f11\u3080\u3053\u3068\u3092\u77e5\u3089\u306a\u3044\u6d3b\u52d5\u3068\u5316\u3057\u3066\u3044\u308b\u3088\u3046\u3067\u3059\u3002\u3053\u306e\u3088\u3046\u306a\u6d3b\u52d5\u306e\u8cc7\u91d1\u8abf\u9054\u306e\u591a\u304f\u306f\u3001\u5236\u88c1\u3092\u7121\u8996\u3057\u305f\u53d6\u5f15\u3092\u901a\u3058\u3066\u884c\u308f\u308c\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u7a2e\u306e\u53d6\u5f15\u306b\u306f\u3001\u9055\u6cd5\u53d6\u5f15\u306b\u5bfe\u3059\u308b\u6b63\u78ba\u306a\u5be9\u67fb\u3092\u884c\u3046\u80fd\u529b\u3084\u610f\u5fd7\u306e\u306a\u3044\u9280\u884c\u304c\u5229\u7528\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u5404\u56fd\u306e\u653f\u5e9c\u306f\u3053\u306e\u3088\u3046\u306a\u652f\u6255\u3044\u306b\u5bfe\u3057\u3066\u3044\u3063\u305d\u3046\u53b3\u3057\u3044\u63aa\u7f6e\u3092\u8b1b\u3058\u3088\u3046\u3068\u3057\u3066\u3044\u307e\u3059\u3002\u56fd\u4f1a\u306f\u3053\u308c\u307e\u3067\u3082\u9280\u884c\u306b\u5bfe\u3057\u3066\u3001\u4e16\u754c\u7684\u306a\u72af\u7f6a\u306b\u5bc4\u4e0e\u3057\u3066\u3044\u308b\u5371\u967a\u306a\u53d6\u5f15\u3084\u5236\u88c1\u5bfe\u8c61\u306e\u53d6\u5f15\u3092\u505c\u6b62\u3059\u308b\u3088\u3046\u5727\u529b\u3092\u5f37\u3081\u3066\u304d\u307e\u3057\u305f\u3002<\/p>\n

\u73fe\u5728\u3001\u9280\u884c\u5e79\u90e8\u306f\u9055\u6cd5\u53d6\u5f15\u3092\u9003\u3057\u305f\u5834\u5408\u306b\u500b\u4eba\u3068\u3057\u3066\u8cac\u4efb\u304c\u554f\u308f\u308c\u307e\u3059\u3002\u53b3\u683c\u306a\u898f\u5236\u306b\u6e96\u62e0\u3067\u304d\u3066\u3044\u306a\u3044\u9280\u884c\u306f\u5927\u304d\u306a\u4ee3\u511f\u3092\u6255\u3046\u3053\u3068\u306b\u306a\u308b\u5834\u5408\u304c\u3042\u308a\u307e\u3059\u3002\u7c73\u56fd\u3067 2008 \u5e74\u304b\u3089 2015 \u5e74\u306e\u9593\u306b\u8ab2\u305b\u3089\u308c\u305f\u5236\u88c1\u63aa\u7f6e\u306b\u4f34\u3046\u7f70\u91d1\u306f 2,000 \u5104\u30c9\u30eb\u306b\u3082\u4e0a\u308a\u307e\u3057\u305f\u3002[i] \u72af\u7f6a\u3092\u9632\u6b62\u3057\u3001\u7f70\u91d1\u3092\u907f\u3051\u308b\u305f\u3081\u306b\u3001\u9280\u884c\u306b\u306f\u6b21\u306e 3 \u3064\u306e\u554f\u984c\u70b9\u3092\u89e3\u6c7a\u3059\u308b\u305f\u3081\u306e\u53b3\u683c\u306a\u53d6\u5f15\u5be9\u67fb\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n

    \n
  1. \u898f\u5236\u304c\u983b\u7e41\u306b\u5909\u66f4\u3055\u308c\u3001\u898f\u5236\u6a5f\u95a2\u306b\u3088\u308b\u7cbe\u67fb\u304c\u53b3\u3057\u3044\u305f\u3081\u3001\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u306e\u78ba\u4fdd\u304c\u96e3\u3057\u3044<\/li>\n
  2. \u5be9\u67fb\u306e\u7dbf\u5bc6\u3055\u3068\u30b9\u30d4\u30fc\u30c9\u306e\u30d0\u30e9\u30f3\u30b9\u3092\u7dad\u6301\u3059\u308b\u3053\u3068\u3001\u7279\u306b\u5408\u6cd5\u306e\u9867\u5ba2\u53d6\u5f15\u3092\u59a8\u3052\u305a\u306b\u5b9f\u73fe\u3059\u308b\u3053\u3068\u304c\u5bb9\u6613\u3067\u306f\u306a\u3044<\/li>\n
  3. \u30b7\u30b9\u30c6\u30e0\u304c\u67d4\u8edf\u6027\u306b\u6b20\u3051\u308b\u5834\u5408\u306f\u7279\u306b\u3001\u5236\u88c1\u30ea\u30b9\u30c8\u306e\u66f4\u65b0\u306b\u6642\u9593\u3068\u624b\u9593\u304c\u304b\u304b\u308b<\/li>\n<\/ol>\n
    \n

    1.\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u306e\u78ba\u4fdd\u304c\u96e3\u3057\u3044<\/strong><\/h2>\n

    \"Ensuring<\/p>\n

    \u30c6\u30ed\u8cc7\u91d1\u8abf\u9054\u306a\u3069\u306e\u53d6\u5f15\u306b\u5bfe\u3059\u308b\u5236\u88c1\u63aa\u7f6e\u3092\u53d7\u3051\u3066\u3001\u898f\u5236\u5f53\u5c40\u304c\u53b3\u3057\u3044\u5be9\u67fb\u3092\u8ab2\u3057\u3001\u305d\u308c\u306b\u3088\u3063\u3066\u9280\u884c\u306f\u5927\u304d\u306a\u96e3\u984c\u3092\u80cc\u8ca0\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3057\u305f\u3002\u898f\u5236\u5f53\u5c40\u306b\u3088\u308b\u5f37\u5236\u63aa\u7f6e\u3092\u53d7\u3051\u305f\u7d4c\u9a13\u306e\u3042\u308b\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u306f 20% \u306b\u4e0a\u308a\u3001\u3053\u306e\u6570\u5b57\u306f\u5897\u52a0\u3059\u308b\u50be\u5411\u306b\u3042\u308a\u307e\u3059\u3002[ii] \u9280\u884c\u306f\u3001\u53d6\u5f15\u304c\u884c\u308f\u308c\u308b\u524d\u306b\u898f\u5236\u306b\u7167\u3089\u3057\u3066\u78ba\u8a8d\u3092\u884c\u3044\u3001\u60c5\u5831\u306b\u6b20\u3051\u305f\u3068\u3053\u308d\u304c\u3042\u308c\u3070\u3059\u3079\u3066\u57cb\u3081\u308b\u3068\u3044\u3046\u5bfe\u51e6\u304c\u3067\u304d\u306a\u304b\u3063\u305f\u5834\u5408\u3001\u591a\u984d\u306e\u7f70\u91d1\u3001\u696d\u52d9\u505c\u6b62\u3001\u98a8\u8a55\u88ab\u5bb3\u306e\u30ea\u30b9\u30af\u3092\u8ca0\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u898f\u5236\u306b\u6e96\u62e0\u3057\u3066\u3044\u306a\u3044\u5834\u5408\u306b\u5f71\u97ff\u3092\u53d7\u3051\u308b\u306e\u306f\u9280\u884c\u3060\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u9055\u53cd\u306b\u5bfe\u3059\u308b\u63aa\u7f6e\u306f\u9867\u5ba2\u306b\u3082\u98db\u3073\u706b\u3057\u307e\u3059\u3002\u30a2\u30b8\u30a2\u306e\u3042\u308b\u9280\u884c\u306f\u3001\u91cd\u5927\u306a\u898f\u5236\u9055\u53cd\u3068\u9280\u884c\u696d\u52d9\u306e\u7ba1\u7406\u4e0d\u884c\u304d\u5c4a\u304d\u3092\u7406\u7531\u3068\u3057\u3066\u898f\u5236\u5f53\u5c40\u304b\u3089\u696d\u52d9\u3092\u5b8c\u5168\u306b\u505c\u6b62\u3059\u308b\u3088\u3046\u6307\u793a\u3055\u308c\u307e\u3057\u305f\u3002[iii] \u9867\u5ba2\u306f\u3001\u53d6\u5f15\u9280\u884c\u304c\u72af\u7f6a\u6d3b\u52d5\u306b\u304b\u304b\u308f\u3063\u3066\u3044\u306a\u3044\u3053\u3068\u3092\u793a\u3059\u305f\u3081\u306e\u524d\u63d0\u6761\u4ef6\u3067\u3042\u308a\u512a\u308c\u305f\u30ac\u30d0\u30ca\u30f3\u30b9\u306e\u8a3c\u3068\u3057\u3066\u3001\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u3092\u9280\u884c\u306b\u671f\u5f85\u3057\u3066\u3044\u307e\u3059\u3002\n<\/p><\/div>\n

    \n

    2.\u5be9\u67fb\u306e\u7dbf\u5bc6\u3055\u3068\u30b9\u30d4\u30fc\u30c9\u306e\u30d0\u30e9\u30f3\u30b9\u3092\u7dad\u6301\u3059\u308b\u3053\u3068\u304c\u5bb9\u6613\u3067\u306f\u306a\u3044<\/strong><\/h2>\n

    \"Maintaining<\/p>\n

    \u5236\u88c1\u5bfe\u8c61\u306e\u653f\u6cbb\u7684\u306b\u5f71\u97ff\u529b\u306e\u3042\u308b\u4eba\u7269 (PEP) \u3084\u30c6\u30ed\u30ea\u30b9\u30c8\u306b\u8cc7\u91d1\u304c\u5c4a\u304b\u306a\u3044\u3088\u3046\u306b\u3059\u308b\u3053\u3068\u306f\u5bb9\u6613\u3067\u306f\u306a\u304f\u3001\u7279\u306b\u3001\u5408\u6cd5\u306e\u53d6\u5f15\u3092\u59a8\u3052\u306a\u3044\u3088\u3046\u306b\u5bfe\u51e6\u3057\u3088\u3046\u3068\u601d\u3048\u3070\u3001\u5f93\u696d\u54e1\u3084 IT \u90e8\u9580\u306b\u591a\u5927\u306a\u696d\u52d9\u30b3\u30b9\u30c8\u304c\u304b\u304b\u308a\u307e\u3059\u3002\u5be9\u67fb\u306e\u52b9\u7387\u304c\u60aa\u304f\u3001\u8aa4\u691c\u51fa\u7387\u304c\u9ad8\u3044\u3068\u3001\u9867\u5ba2\u3068\u306e\u95a2\u4fc2\u304c\u640d\u306a\u308f\u308c\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u30021 \u4eba\u306e\u5f93\u696d\u54e1\u306e\u540d\u524d\u3092\u8aa4\u3063\u3066\u5371\u967a\u4eba\u7269\u3068\u691c\u51fa\u3057\u305f\u3053\u3068\u3067\u5927\u4f01\u696d\u306e\u7d66\u4e0e\u652f\u6255\u3044\u304c 1 \u56de\u9045\u308c\u305f\u3060\u3051\u3067\u3001\u9280\u884c\u306f\u5927\u4e8b\u306a\u30d3\u30b8\u30cd\u30b9\u3092\u5931\u3046\u3053\u3068\u306b\u306a\u308a\u304b\u306d\u307e\u305b\u3093\u3002\u5be9\u67fb\u4f53\u5236\u304c\u614e\u91cd\u306b\u306a\u308a\u3059\u304e\u308b\u3068\u3001\u76e3\u8996\u5bfe\u8c61\u30ea\u30b9\u30c8\u306b\u3042\u308b\u4eba\u7269\u3068\u540c\u3058\u540d\u524d\u306e\u9867\u5ba2\u3092\u691c\u51fa\u3057\u3001\u8a50\u79f0\u3068\u3057\u3066\u6271\u3063\u3066\u3057\u307e\u3044\u3001\u9867\u5ba2\u3092\u5931\u3046\u7d50\u679c\u306b\u306a\u308b\u304a\u305d\u308c\u304c\u3042\u308a\u307e\u3059\u3002\n<\/p><\/div>\n

    \n

    3.\u8b66\u6212\u30ea\u30b9\u30c8\u306e\u66f4\u65b0\u306b\u6642\u9593\u3068\u624b\u9593\u304c\u304b\u304b\u308b<\/strong><\/h2>\n

    \"Updating<\/p>\n

    \u73fe\u5728\u3001\u3059\u3079\u3066\u306e\u5236\u88c1\u5bfe\u8c61\u8005\u3092\u6355\u6349\u3059\u308b\u3079\u304f\u9280\u884c\u306b\u5be9\u67fb\u3067\u306e\u4f7f\u7528\u304c\u6c42\u3081\u3089\u308c\u3066\u3044\u308b\u8b66\u6212\u30ea\u30b9\u30c8\u306f\u8907\u6570\u3042\u308a\u3001\u3057\u304b\u3082\u983b\u7e41\u306b\u66f4\u65b0\u3055\u308c\u307e\u3059\u3002\u591a\u304f\u306e\u56fd\u3001\u5730\u57df\u3001\u653f\u5e9c\u7d44\u7e54\u304b\u3089\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u5236\u88c1\u30ea\u30b9\u30c8\u306e\u6570\u306f\u5897\u3048\u308b\u4e00\u65b9\u3067\u3001\u30ea\u30b9\u30c8\u306e\u66f4\u65b0\u306f\u304b\u3064\u3066\u306a\u3044\u307b\u3069\u6642\u9593\u306e\u304b\u304b\u308b\u4f5c\u696d\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u30ea\u30b9\u30c8\u306b\u8a18\u8f09\u3055\u308c\u305f\u5bfe\u8c61\u8005\u306e\u6570\u306f\u66f4\u65b0\u3054\u3068\u306b\u5897\u3048\u3066\u304a\u308a\u3001\u305d\u308c\u306b\u4f34\u3063\u3066\u5225\u540d\u3084\u7db4\u308a\u306e\u30d0\u30ea\u30a8\u30fc\u30b7\u30e7\u30f3\u3082\u5897\u3048\u7d9a\u3051\u3066\u3044\u307e\u3059\u3002<\/p>\n

    \u5236\u88c1\u30ea\u30b9\u30c8\u306e\u8cea\u306f\u3001\u30d5\u30a3\u30eb\u30bf\u30fc\u306e\u691c\u51fa\u80fd\u529b\u306b\u76f4\u63a5\u5f71\u97ff\u3057\u307e\u3059\u3002\u30ea\u30b9\u30c8\u306e\u8907\u96d1\u5316\u304c\u9032\u307f\u3001\u76f8\u4e92\u306b\u7d61\u307f\u5408\u3046\u306b\u3064\u308c\u3066\u3001\u30d5\u30a3\u30eb\u30bf\u30ea\u30f3\u30b0\u306e\u8cea\u3092\u9ad8\u304f\u4fdd\u3064\u305f\u3081\u306b\u5be9\u67fb\u65b9\u6cd5\u306e\u5de7\u307f\u306a\u7d44\u307f\u5408\u308f\u305b\u3084\u751f\u30c7\u30fc\u30bf\u306e\u62e1\u5145\u304c\u5fc5\u8981\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u73fe\u5728\u306e\u6c34\u6e96\u3092\u6e80\u305f\u3059\u3060\u3051\u3067\u306a\u304f\u3001\u5c06\u6765\u306e\u8981\u4ef6\u306b\u3082\u5bb9\u6613\u306b\u9806\u5fdc\u3067\u304d\u308b\u3001\u67d4\u8edf\u6027\u306e\u9ad8\u3044\u30a2\u30fc\u30ad\u30c6\u30af\u30c1\u30e3\u3068\u30ea\u30b9\u30c8\u51e6\u7406\u30b7\u30b9\u30c6\u30e0\u304c\u5fc5\u8981\u3067\u3059\u3002\n<\/p><\/div>\n

    4.\u53d6\u5f15\u5be9\u67fb\u306e\u554f\u984c\u306b\u5bfe\u51e6\u3059\u308b<\/strong><\/h2>\n

    \u9055\u6cd5\u53d6\u5f15\u3092\u9632\u6b62\u3057\u3001\u5408\u6cd5\u53d6\u5f15\u3078\u306e\u5f71\u97ff\u3092\u6700\u5c0f\u9650\u306b\u6291\u3048\u3001\u8b66\u6212\u30ea\u30b9\u30c8\u306e\u76ee\u307e\u3050\u308b\u3057\u3044\u66f4\u65b0\u306b\u7d76\u3048\u305a\u5bfe\u5fdc\u3059\u308b\u306b\u306f\u3001\u5f37\u529b\u306a\u5be9\u67fb\u30c4\u30fc\u30eb\u304c\u9280\u884c\u306b\u5fc5\u8981\u3067\u3059\u3002<\/p>\n

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    \n

    [i] http:\/\/www.cnbc.com\/2015\/10\/30\/misbehaving-banks-have-now-paid-204b-in-fines.html
    \n[ii] Global Economic Crime Survey, PwC, 2016
    \n[iii] http:\/\/www.mas.gov.sg\/News-and-Publications\/Media-Releases\/2016\/MAS-directs-BSI-Bank-to-shut-down-in-Singapore.aspx
    \n[iv] https:\/\/dealbook.nytimes.com\/2014\/06\/15\/bank-account-screening-tool-is-scrutinized-as-excessive\/<\/p>\n","protected":false},"excerpt":{"rendered":"

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