Page 81 - 銀行家雜誌第87期

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Monitoring Final Risk Final Risk
Inherent Cash Residual Business Unit Final Risk
BUSINESS UNIT Risk Intl Trans Geo Risk Intensive / Mitigating Risk Risk Rating Numeric Weight Weighted
固有風險 國際交易 地域風險 大額現金 Controls 剩餘風險 風險評等 Equivalent 風險權數 Score
防制抵減措施 相稱分數 加權後分數
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 High Yes Moderate Yes Adequate High
Checking
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 High No Moderate N/A Adequate Moderate LOW 1 0.25% 0.0025
Deposit Services Strong
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 High No Moderate No Adequate Moderate
Capture (RDC)
Wire Transfers High Yes High No Adequate High
List each BU &
related product /
serviceDetermine 20% 295
applicable ratings
& Final Risk
Weight
FINAL BSA/AML
WEIGHTED RISK High Yes MODERATE YES ADEQUATE MODERATE
SCORES
100% 2.0200
Bank Name FINAL BSA/AML WEIGHTED RISK SCORE
MODERATE
資料來源：李傳明提供

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