Money talks: An investigation into the efficacy of UK anti-money laundering policy

我的主要实证研究将借鉴英国银行和NCA的评估、解释和经验，探索SAR报告过程。为此，我将解决以下研究问题：英国现有的SAR流程在欺诈检测和预防方面的局限性是什么？强调“常规化”和“责任”的理论框架如何影响特别行政区授权的监管过程？银行在特别行政区流程中使用的分析在多大程度上反映了更广泛的怀疑模式和金融“风险”构建？本研究将采用创新的民族志方法，采用互动认识论来强调权力、制度过程和监管治理的概念（Dennis and Martin, 2005）。研究将在多个地点进行，调查那些处于不同权力位置的人。SAR过程是复杂的，我的研究将采用多站点人种学的新方法，该方法以英国银行和NCA的多态参与为基础。我的研究预计将产生双重影响。第一，透过加深对常规、责任和管治的了解，就特别行政区报告程序进行研究，以改善金融安全方面的风险评估和情报发展。其次，该研究将有助于开发本地化（金融）治理领域实证研究的方法论方法。这些都是研究不足的领域，但它们对我们的生活和财务有着巨大的影响。

My primary, empirical research study will draw on evaluations, explanations and experiences within UK banks and the NCA to explore the SAR reporting process. To do this, I will address the following research questions:What are the limitations of the existing SAR process in fraud detection and prevention in the UK?How do the theoretical frameworks emphasising 'routinisation' and 'responsibilisation' influence the SAR delegated regulatory process?To what extent does profiling, used by banks in the SAR process, reflect wider patterns of suspicion and financial 'risk' construction?This research will employ innovative ethnographic approaches, adopting an interactionist epistemology foregrounding notions of power, institutional process and regulatory governance (Dennis and Martin, 2005). The research will be multi-sited, investigating those in different positions of power. The SAR process is complex, and my study will employ the novel approach of multi-sited ethnography underpinned by polymorphous engagement within a number of UK banks and at the NCA.The projected impact of my research will be twofold. Firstly, to develop research examining the SAR reporting process through a greater understanding of routinisation, responsibilisation and governance, so as to improve risk assessment and intelligence development in financial security. Secondly, the research will help develop methodological approaches to the empirical study of spheres of localised (financial) governance. These are under-researched areas and yet they have tremendous influence over our lives and finances.