8/12/2019 Tehnici de Analiza Financiara

1/20

PROJECT PHARE RO02-IB/JH-08Twinning Project Italy - RomaniaStrengthening the Fight Against Money Laundering

AnalysisAnalysisofof financialfinancialflowsflows

GUARDIA DI FINANZA HEADQUARTERSGUARDIA DI FINANZA HEADQUARTERS

22ndnd DepartmentDepartment

IntelligenceIntelligenceAnalysisAnalysisUnitUnit

8/12/2019 Tehnici de Analiza Financiara

2/20

AnalysisAnalysisofof financialfinancialflowsflows

Summary

Aim and DefinitionsBank transfers

Money and value transfers

Alternative remittance systems

8/12/2019 Tehnici de Analiza Financiara

3/20

AnalysisAnalysisofof financialfinancialflowsflows

Aim

Detection of links:

criminal

activitiesfinancial flows

8/12/2019 Tehnici de Analiza Financiara

4/20

AnalysisAnalysisofof financialfinancialflowsflows

Bank Transfers

Any transfer of funds that is initiated bya financial institution for the purpose of

hiscustomer

who ordered, instructed,or authorized to debit his account and

to credit the account of a specific

beneficiary.

8/12/2019 Tehnici de Analiza Financiara

5/20

AnalysisAnalysisofof financialfinancialflowsflows

Money and value transferFinancial service that accept cash

and other monetary instruments inone location and pays a

corresponding sum in cash or otherform to a beneficiary in another

location.

*FATF Combating the abuse of alternative remittance system:

International Best Practices June 2003

8/12/2019 Tehnici de Analiza Financiara

6/20

AnalysisAnalysisofof financialfinancialflowsflows

Alternative remittance system

Service provided informally by

entities that operate outside theregulated system.*

*FATF Combating the abuse of alternative remittance system:

International Best Practices June 2003

8/12/2019 Tehnici de Analiza Financiara

7/20

AnalysisAnalysisofof financialfinancialflowsflows

Bank systemTransaction Analysis

Patterns and schemes

commonly used to camouflageflows of criminal proceeds

8/12/2019 Tehnici de Analiza Financiara

8/20

Phasing and groupingAccounts

Bank systemTransaction Analysis

AnalysisAnalysisofof financialfinancialflowsflows

8/12/2019 Tehnici de Analiza Financiara

9/20

Star bursting Accounts

Bank systemTransaction Analysis

AnalysisAnalysisofof financialfinancialflowsflows

8/12/2019 Tehnici de Analiza Financiara

10/20

Boomerang Accounts

Bank systemTransaction Analysis

AnalysisAnalysisofof financialfinancialflowsflows

l i f fi i l fl

8/12/2019 Tehnici de Analiza Financiara

11/20

Pattern recognition

Bank systemTransaction Analysis

AnalysisAnalysisofof financialfinancialflowsflows

A l iA l i ff fi i lfi i l flfl

8/12/2019 Tehnici de Analiza Financiara

12/20

Money and value transferTransactionSchemes

AnalysisAnalysisofof financialfinancialflowsflows

Illegal immigration

A l iA l i ff fi i lfi i l flfl

8/12/2019 Tehnici de Analiza Financiara

13/20

Money and value transferTransactionSchemes

AnalysisAnalysisofof financialfinancialflowsflows

Drug trafficking

A l iAnalysis fof fi i lfinancial flflows

8/12/2019 Tehnici de Analiza Financiara

14/20

AnalysisAnalysisofof financialfinancialflowsflows

Alternative remittance system

Structure of the system

AnalysisAnalysis ofof financialfinancial flowsflows

8/12/2019 Tehnici de Analiza Financiara

15/20

AnalysisAnalysisofof financialfinancialflowsflows

Alternative remittance system

Identity matters

AnalysisAnalysis ofof financialfinancial flowsflows

8/12/2019 Tehnici de Analiza Financiara

16/20

AnalysisAnalysisofof financialfinancialflowsflows

Alternative remittance system

8/12/2019 Tehnici de Analiza Financiara

17/20

AnalysisAnalysis ofof financialfinancial flowsflows

8/12/2019 Tehnici de Analiza Financiara

18/20

AnalysisAnalysisofof financialfinancialflowsflows

Query complesse

AnalysisAnalysis ofof financialfinancial flowsflows

8/12/2019 Tehnici de Analiza Financiara

19/20

AnalysisAnalysisofof financialfinancialflowsflows

AnalysisAnalysis ofof financialfinancial flowsflows

8/12/2019 Tehnici de Analiza Financiara

20/20

AnalysisAnalysisofof financialfinancialflowsflows

Part of each informative asset

FIU(declarations)

Taxdeclarations

Import-export

S.T.R.

Intell.activity

Gdf ops

Criminalrecords