'The Price of Compliance' - An Examination of the Decision-Making Process of Financial Compliance Actors within the United Kingdom's Anti-Money

《合规的代价》--对英国反洗钱监管制度中金融合规行为者决策过程的考察。洗钱对当代社会的威胁在国内外都受到了显著的关注。为了打击这一全球现象，针对存在启用ML风险的所谓“看门人”，引入了更多的合规措施。英国的金融机构被认为是这些“守门人”之一，它们受到严格的合规制度的约束。最近的“FinCEN档案”泄露揭露了世界上最大的金融机构如何为大规模洗钱提供便利，以及英国金融机构合谋使来自低收入国家的有组织犯罪和政治腐败等犯罪活动产生的非法资金流动(ICIJ，2020)。研究旨在深入了解金融专业人员的看法和态度如何影响风险和怀疑的确定；这是实施反洗钱(AML)措施的两个核心概念。本研究将采用定性方法，对金融机构内部的合规行为者进行半结构化访谈，以探索他们的决策过程。因此，这些发现可能通过实际提供更好的监测和报告实践，对急性髓细胞白血病文献做出积极贡献。

'The Price of Compliance' - An Examination of the Decision-Making Process of Financial Compliance Actors within the United Kingdom's Anti-Money Laundering Regulatory Regime.The threat of money laundering (ML) to contemporary society has received notable attention domestically and internationally. In an attempt to combat this global phenomenon, increased compliance measures were introduced targeting purported 'gatekeepers' at risk of enabling ML. Financial institutions in the United Kingdom (UK), deemed to be amongst these 'gatekeepers', are subject to a stringent compliance regime. The recent 'FinCEN Files' leak exposes how the world's largest financial institutions facilitated large-scale ML and the complicity of the UK's financial institutions in enabling the flow of illicit monies generated from criminal activities such as organised crimes and political corruption from low-income countries (ICIJ, 2020).The research aims to develop an in-depth understanding of how financial professionals' perceptions and attitudes affect the determination of risk and suspicion; two concepts central to the implementation of anti-money laundering (AML) measures. This research will employ a qualitative methodology by conducting semi-structured interviews with compliance actors within financial institutions to explore their decision-making process. Accordingly, the findings may positively contribute to AML literature by practically informing better monitoring and reporting practices.