Page 18 - 銀行法令遵循策略與實務

銀行法令遵循策略與實務

(表)風險評估之參考表格
Monitoring/
Inherent Intl Geo Cash Mitigating Residual Business Final Risk Final Risk Final Risk
BUSINESS Trans Risk Intensive Controls Risk Unit Numeric Weight Weighted
UNIT Risk Risk Rating Equivalent Score
固有風險 國際交易 地域風險 大額現金 防制抵減 剩餘風險 風險評等 相稱分數 風險權數 加權後分數
措施
BANK NAME
Retail Banking High Yes Moderate Yes Adequate High MODERATE 2 50% 1.0000
Personal
Checking High Yes Moderate Yes Adequate High
Non-Personal
Checking High Yes Moderate Yes Adequate High
Alternative
Delivery Services Moderate
Personal Online High No Moderate No Adequate Moderate MODERATE 2 5% 0.1000
Banking
Personal Bill Pay High No Moderate No Adequate Moderate LOW 1 0.25% 0.0025
Mobile Banking Adequate
Deposit Services High No Moderate N/A Strong Moderate LOW 1 0.25% 0.0025
Facility Services Low N/A N/A N/A Adequate Low MODERATE 2 2.5% 0.0500
Human Resources Low N/A N/A N/A Strong Low
Mortgage
Company
ABC Mortgages Moderate No Low No Adequate Moderate
Loan Operations Low N/A N/A N/A Strong Low LOW 1 1% 0.0100
Loan Review Low N/A N/A N/A Strong Low LOW 1 1% 0.0100
Security
Department High N/A N/A N/A Strong Moderate MODERATE 2 5% 0.1000
Treasury
Management
ACH/IAT
Services High Yes Moderate No Adequate Moderate HIGH 3 15% 0.4500
Remote Deposit
Capture (RDC) High No Moderate No Adequate Moderate
Wire Transfers High Yes High No Adequate High
List each BU &
related product /
serviceDetermine
applicable ratings 20% 295
& Final Risk
Weight
FINAL
BSA/AML
WEIGHTED High Yes MODERATE YES ADEQUATE MODERATE
RISK SCORES
100% 2.0200
Bank Name FINAL BSA/AML WEIGHTED RISK SCORE
MODERATE
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