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Klassisten talousrikosten tunnusmerkit – koulutuspaketti : Kehittämislähtöinen konstruktiivinen tapaustutkimus ja pilotointi case Pankki X
(2021)
kehittämistarpeesta. Opinnäytetyössä haluttiin tutkia määriteltyä ja rajattua talousrikostorjuntaan liittyvää osaamisvajetta rahanpesuntorjunnan parissa toimivien työntekijöiden kesken. Opinnäytetyö toteutettiin kehittämislähtöisenä konstruktiivisena...
This thesis was conducted for a Finnish banking operator. The target organization wanted to remain unidentified, and thus appears in this thesis under the name Bank X. The thesis originated from the needs of the target organization's internal development. The aim of the thesis was to study the defined skills gap of the employees working among financial crime prevention. The thesis was conducted as a development-oriented constructive case study between November 2019 and May 2021. The purpose of the thesis was to respond to the skills gap of bank employees working in Bank X in the prevention of money laundering and terrorist financing. The aim of the thesis was to reduce the skills gap by increasing knowledge and expertise in the key concepts and definitions related to financial crime, as well as on the characteristics, practices and indications of the most common financial crimes. The theoretical framework of the thesis included the most important concepts, definitions and phenomena of financial crime, different aspects of financial crime prevention, as well as the relevant parts of criminal law and the Criminal Code. Particular attention was paid to triangulation, in order to create a good overall view of economic crime as a concept, a phe-nomenon and a multidimensional threat to society. To bridge the skills gap, a training package was piloted in Bank X in the spring of 2021. In order to determine a baseline and priorities for the training, the package was preceded by a survey mapping the participants’ education, professional skills, and knowledge related to financial crime. Based on the 18 received survey responses, the training was tailored for 35 participants. The training was divided into three phases: (1) advance material (2) training session, and (3) post-training discussion and questionnaire. The concrete outputs of the thesis were a welcome video, two animated PowerPoint presentations and a series of slides that was submitted to the target group during the discussion. The impact of the training was measured by a Google Forms feedback survey, to which only 5 responses were received. Despite the small number of responses, it was possible to carry out a rough evaluation of the training in relation to the objectives set for it. The concepts and definitions related to financial crime and the grey economy became clearer. Understanding of the consequences of financial crime and related phenomena increased, and the conditions for identifying and detecting the most common financial crimes were perceived to have improved. When comparing the results of the competence survey and the feedback survey, it can be concluded that the skills deficit of the target group was partly due to lack of knowledge of the preliminary investigation of financial crimes and criminal law. In order for professional skills and expertise to continue to develop, the training process should be carried out in several stages and in the longer term, in co-operation with the various actors working in the field. Training should extend not only to money laundering offenses but also to financial offenses, inevitably linked to each other. With only limited rights to exchange and provide information, it is essential that banking operators invest not only in multidisciplinary expertise but also in assessing and utilizing open source intelligence when it comes to high-risk customers. Cooperation with the police is also vital, and fortunately already under way....
This thesis was conducted for a Finnish banking operator. The target organization wanted to remain unidentified, and thus appears in this thesis under the name Bank X. The thesis originated from the needs of the target organization's internal development. The aim of the thesis was to study the defined skills gap of the employees working among financial crime prevention. The thesis was conducted as a development-oriented constructive case study between November 2019 and May 2021. The purpose of the thesis was to respond to the skills gap of bank employees working in Bank X in the prevention of money laundering and terrorist financing. The aim of the thesis was to reduce the skills gap by increasing knowledge and expertise in the key concepts and definitions related to financial crime, as well as on the characteristics, practices and indications of the most common financial crimes. The theoretical framework of the thesis included the most important concepts, definitions and phenomena of financial crime, different aspects of financial crime prevention, as well as the relevant parts of criminal law and the Criminal Code. Particular attention was paid to triangulation, in order to create a good overall view of economic crime as a concept, a phe-nomenon and a multidimensional threat to society. To bridge the skills gap, a training package was piloted in Bank X in the spring of 2021. In order to determine a baseline and priorities for the training, the package was preceded by a survey mapping the participants’ education, professional skills, and knowledge related to financial crime. Based on the 18 received survey responses, the training was tailored for 35 participants. The training was divided into three phases: (1) advance material (2) training session, and (3) post-training discussion and questionnaire. The concrete outputs of the thesis were a welcome video, two animated PowerPoint presentations and a series of slides that was submitted to the target group during the discussion. The impact of the training was measured by a Google Forms feedback survey, to which only 5 responses were received. Despite the small number of responses, it was possible to carry out a rough evaluation of the training in relation to the objectives set for it. The concepts and definitions related to financial crime and the grey economy became clearer. Understanding of the consequences of financial crime and related phenomena increased, and the conditions for identifying and detecting the most common financial crimes were perceived to have improved. When comparing the results of the competence survey and the feedback survey, it can be concluded that the skills deficit of the target group was partly due to lack of knowledge of the preliminary investigation of financial crimes and criminal law. In order for professional skills and expertise to continue to develop, the training process should be carried out in several stages and in the longer term, in co-operation with the various actors working in the field. Training should extend not only to money laundering offenses but also to financial offenses, inevitably linked to each other. With only limited rights to exchange and provide information, it is essential that banking operators invest not only in multidisciplinary expertise but also in assessing and utilizing open source intelligence when it comes to high-risk customers. Cooperation with the police is also vital, and fortunately already under way....
