应对欺诈形势：未来一年的 6 个预测

The evolving landscape of fraud in the financial sector demands a proactive approach to security. As criminals constantly refine their tactics to exploit vulnerabilities, the importance of predicting the trajectory of fraud and understanding the dynamics
of KYC (Know Your Customer) and AML (Anti-Money Laundering) regulations becomes critical for building robust defences.

2024 年有六项关键预测将有助于打击金融服务欺诈。

欺诈和洗钱防御的融合 (FRAML)

为了应对不断升级的问题，人们期望金融机构内的反洗钱 (AML) 和欺诈团队之间加强合作并统一目标，从而催生了“FRAML”范式。

认识到洗钱和欺诈之间的内在联系，这种综合方法旨在减少误报、增强客户入职体验并改进风险识别。

Experian 的最新研究表明，金融犯罪每年给英国造成的损失高达 290 亿英镑。向 FRAML 运营的转变对于促进更准确的风险评估和全面的客户观点至关重要。

向塑料“钱骡”的转变 

With current accounts facing tightened defences, criminals are predicted to shift their focus to alternative products like credit cards, retail store cards, or gift cards. ‘Plastic money mule’ fraud involves accomplices overpaying credit card balances and
transferring the excess to fraudsters, exploiting gaps in transaction monitoring.

因此，机构必须根据这些新兴趋势调整防御措施，确保解决各种产品和服务中的漏洞。

金融犯罪数据共享

The passing of the Economic Crime and Corporate Transparency Bill in 2023 lays the groundwork for improved financial crime data sharing among institutions. As criminals collaborate and exploit weaknesses in the financial system, this initiative seeks to
empower institutions with shared insights, enabling them to identify bad actors and emerging fraud trends more efficiently and quickly.

访问来自多个组织的 AML、KYC 和信用风险数据的潜力有望在减少整体欺诈和 AML 风险方面实现重大飞跃。

更多地使用开放银行进行身份验证

The use of Open Banking is expected to lead to broader use of its identity verification capabilities. While unlikely to be the sole means of identification for high-value financial products, Open Banking data will likely complement other verification methods,
playing a crucial role in reducing fraud and AML risks.

APP欺诈立法引发新形式的欺诈和“诈骗”

The Authorised Push Payment (APP) reimbursement legislation introduced in 2023, while essential for protecting consumers, has the potential to create new fraud opportunities for criminals. The stringent reimbursement rules may lead to a ‘scamming spiral,’
with fraudsters exploiting the quick return of funds within five days to perpetrate fraud repeatedly.

该行业必须部署新技术解决方案和全面的教育来抵消和预防这些新出现的风险。

人工智能驱动的欺诈行为增长

The breakthroughs in AI seen are predicted to be harnessed by fraudsters to create hyper-realistic customer profiles. Advanced generative AI tools can now produce fake images, identification documents, and even social media accounts at scale, challenging
traditional identification methods. In response, security-focused institutions are expected to implement AI-driven solutions to combat these evolving fraud risks.

In 2024, the financial industry must remain vigilant, collaborative, and technologically adept to protect businesses and customers alike. The merging of technology, data sharing, and proactive measures is our best defence against the ever-adapting tactics
of those seeking to exploit the financial system.

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• Sumber: https://www.finextra.com/blogposting/25636/navigating-the-fraud-landscape-6-predictions-for-the-year-ahead?utm_medium=rssfinextra&utm_source=finextrablogs