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charge of planning, monitoring, and implementing reputation. I firmly believe that establishing a sound
the maintenance of information security. Facing the and safe system with robust controls is an essential
increasing cyber security threats, all banks must keep investment, which lays the cornerstone with lasting
pace with technology development. social trust and long tern profit potentials.

The protection of personal information is a new Before closing, please allow me to reiterate 3
aspect to be respected. Since the EU General Data main purposes of our gathering here:
Protection Regulation (GDPR) entering into force in First, we hope it will help further strengthening
May 2018, countries around the world have taken steps the collective self-discipline amongst Taiwanese banks
to strengthen their privacy regulations. thus improving our compliance, internal control and
The scope of compliance evolves over time. The audit systems effectively.
compliance function has expanded from its original Secondly, we hope this platform will help
scope to broadly embrace the standards of integrity facilitating the exchange of best practice and experiences
and ethical conduct, including market conventions, amongst Taiwanese banks and with the U. S. regulatory

industry practice, and internal codes of conduct. authorities.
I would rephase the term "Compliance" from the And finally, we hope it will further reinforce the
original concept of "Legal Compliance" into "Total joint commitment of the Taiwanese government and
Compliance". Today, banks must build up their banks to the Total Compliance practice, here in the
compliance capacity in all aspects, whilst the priority States.
may be given to the human resources development, Thank You All,
organizational optimization, and corporate culture I look forward to a successful and enjoyable

building. conference.
Building a corporate culture of compliance
should never just be a slogan. It must be deep rooted 金管會重申金融機構
broadly from the top down through the corporate 應塑造重視AML/CFT文化
governance system. Through ex ante training
programs, ex post performance evaluation and interim 金管會銀行局莊琇媛副局長在演講中，特
monitoring, we will motivate all employees not just 別強調北美市場的重要性與指標性，國銀在
to abide by the codes, but gradually internalize these 北美地區設置的據點僅次於台灣所在的亞洲
concepts into their soul and mind, like an embedded 地區，現階段國銀面對海外布局的挑戰，主

DNA. 要是全行對於法遵風險的管理與控制需要再
Establishing robust total compliance systems may 加強，而總行也應扮演更重要的角色，像是
cost capital and human resources. However, if we fail 落實監督機制，並給予相應的資源支持。近年
to do so, any adverse consequence will cost us even 我國在強化整體防制洗錢與打擊資恐（AML/
more, not merely in monetary term but the priceless CFT）機制的健全上做了很多努力，2018 年

台灣銀行家2019.5月號 59

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