PEMANFAATAN

NEW TECHNOLOGIES DALAM

MENCEGAH DAN MENDETEKSI
TINDAK PIDANA PENCUCIAN
UANG DAN PENDANAAN
TERORISME

DISAMPAIKAN OLEH:
FITHRIADI MUSLIM
PLT. DEPUTI BIDANG PENCEGAHAN PPATK
FOKUS PEMBAHASAN

1 2 3 4

NATIONAL RISK REGULATORY SUPERVISORY DIGITAL

ASSESSMENT 2021 TECHNOLOGY (REGTECH) TECHNOLOGY (SUPTECH) TRANSFORMATION ON
FIU AND LEA AREAS
 EMERGING THREAT PADA TEKNOLOGI FINANSIAL DAN
VIRTUAL ASSET
“Hasil penilaian risiko tindakpencucian uang dan tindak pidana pendanaan terorisme di Indonesia yang
menyatakan, bahwa financial technology pidana (FinTech) dan penggunaan virtual asset/cryptocurrency telah
menjadi emerging threat di Indonesia” – Dokumen NRA TPPU Tahun 2015

Bellows College 3
EMERGING THREAT 2021 – ASET KRIPTO
• Dalam kajian NRA 2021 telah dilakukan
identifikasi terhadap emerging threat
TPPU, yaitu suatu ancaman baru
berupa modus yang dianggap
berpotensi berkembang sebagai sarana
pencucian uang secara meluas.
• Berdasarkan hasil NRA TPPUTahun
2015 diketahui bahwa virtual currency
atau crypto currency sebagai emerging
threat di Indonesia.
• Hal tersebut disebabkan penggunaan
Bitcoin di Indonesia sudah berkembang
dalam bentuk mata uang kripto yang
digunakan untuk alternatif
pembayaran transaksi properti,
kendaraan mewah dan akomodasi. Bellows College 4
 HASIL PENILAIAN RISIKO NASIONAL TPPU 2020/2021

Jens Martensson
Add a footer 5
TINGKAT KERENTANAN FINTECH

Bellows College
UTILIZING NEW TECHNOLOGIES TO MITIGATE ML/TF RISK

1
REGTECH
Tackling regulation with
innovation to increase the level
of AML CFT compliance

2
SUPTECH
Identifying the AML
CFT compliance in
real time

3
DIGITAL TRANSFORMATION
Digital tools to better
combat new and old forms
of financial crime.
 EFFICIENCY REAL TIME REPORTING
Reduce cost of compliance, Enhanced regulatory reporting
simplifying and standardizing achieved through data activities
compliance process and submission to authorities

INTELLIGENCE ASSURANCE
Advanced data analysing, Real time detection on
examining regulatory unusual pattern profile and
information in various way
BENEFITS OF transaction for ML TF risk
REGTECH mitigation

COMPLIANCE CUSTOMER SATISFACTORY

Increase level of compliance
and increase market stability
FLEXIBLE
Flexibility and growth as business
needs change without leaving the
ML TF risk mitigation
Positive customer experience by
providing real time financial services
without override the AML CFT
obligation
MARKET SURVEILLANCE
Review and approve any new or revised
financial products and services before being
offered to the market and customer
KEY ENABLERS OF REGTECH

MASSIVE DATA SETS – BIG

DATA BY UTILIZING THE 01 02 REAL TIME DATA
INGESTION
COMBINATION
STRUCTURED AND
UNSTRUCTED DATA
(BEHAVIOUR SCIENCE)

REAL TIME MODEL INTEGRATION WITH

SIMULATION AND DECISION MAKING
ADJUSTMEN
04 03 WORKFLOWS
 REGTECH ON AML CFT PROGRAM AREAS
01Risk assessment

03 Monitoring
profile

02 andIdentification
verification 05 Intelligence –
detecting
pattern and
04 Detecting unusual build red flag
transaction
ACCELERATE DIGITAL ID FOR BETTER KYC PROCESS
Component One: Identity proofing and enrolment (with initial Component Two: Authentication and identity
binding/credentialing) lifecycle management (essential)
THE EVOLVING OF AML CFT SUPERVISION

SUPTECH KEEP UPDATE

01 Conducting horizon scanning Keeping update with ML TF 02
to proactive and targeted trends to able capture, store,
area (risk based supervision) and process across data

THE ERA
OF 4.0

ENGAGE INVESTING
03 Engaging with public and
private sector to consult & to
Investing in infrastructure
and people to adapt with
04
exchange information new trends
UTILIZING SUPTECH FOR ROBUST AML CFT COMPLIANCE

SUPERVISED
To provide real time of
compliance level of
SUPERVISED
reporting entities and to
decide RBS measures

ENFORCEMENT
To provide real time
decision for remedial action
and enforcement measure
for potential breaches on
AML CFT obligation ENFORCEMENT UNSUPERVISED

UNSUPERVISED
To detect unusual behavior
of reporting entities that
potential involve ML TF
activities
THE OPPORTUNITIES AND
BENEFITS ON DIGITAL
TRANSFORMATION
- FATF REPORT 2021
THE ADVANTAGES USING TECHNOLOGY
IN FIU AND LEA AREAS

Aggregating
Modern data
micro data,
Robotic warehouse
combining Real-time
process & data lakes Automated
structured data
automation enabling alert engines
and streaming
for data advanced built into a
unstructured enabling
validation storage workflow
data to real-time
and cleaning mechanisms process
deepen and monitoring
and data
broaden
analytics
analytics
 THE CHALLENGES ON DIGITAL
TRANSFORMATION ON FIU AND LEA AREAS
WORKFLOW RE-ENGINEERING
RESOURCES
The difficulty in securing
adequate capital and recurrent
financial resources, manpower,
hardware and software
DATA QUALITY
The need and additional resources to be
spent on data cleaning and harmonisation
before conducting any analysis, potentially
delaying delivery and reducing
effectiveness
CREATING SOLUTIONS
The difficulty in identifying
the most relevant workflow
for transformation in order
to maximise outcome..
The need for organisational and
structure changes, potentially
causing unease among staff
DATA/INFORMATION
SECURITY
The difficulty in identifying the
right tools to process and store
data securely
ADOPTION
The challenge of ensuring a wide
adoption and application by as many
analysts as possible
HOW TO MITIGATE THE ML/TF RISK
IN NEW TECHNOLOGIES ERA

THE REPORTING ENTITIES LIMITING THE CASH INCREASING THE ABILITY

OBLIGE TO CONDUCT TRANSACTION ESTABLISHING THE PRODUCE REAL TIME RED OF FIU AND LAW
CUSTOMER DUE THRESHOLD (BOTH FOR WATCH DOG TO MONITOR FLAG INDICATORS BY ENFORCEMENT AGENCIES
DILLIGENCE, INCLUDING DEPOSIT AND WITHDRAW) THE PEER-TO-PEER AUTHORITIES AND TO DETECT ML/TF
TRAVEL RULE – UTILIZING BANK TRANSACTION REPORTING ENTITIES TRANSACTION THRIUGH
REQUIREMENT ACCOUNT NEW TECHNOLOGIES
THANK YOU

PPATK

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