Pleskun I. Risk-control of bank clients in the system of financial monitoring.

The thesis is devoted to developing theoretical regulations, methodical approaches and practical recommendations for improving the risk-control of bank clients in the system of financial monitoring. Theoretical approaches to defining the essence of the concepts of "risk", "control" and "financial monitoring" were systematized based on the results of which the definition of the concept of "risk-control of the bank clients" was substantiated, which, unlike the existing ones, outlines systematic multi-level procedures for monitoring and checking the bank clients taking into account the possibility of their implementation in the field of financial monitoring , legal norms and the establishment of appropriate risk levels by banks, which allows to identify and prevent the occurrence of risk situations of money laundering before they become significant for the bank. The proposals for improving the content of compliance control procedures of the bank at some of its stages were proposed and it based on the separation of key signs, as well as assistance in applying the principle of actualization of competencies the bank's staff through its training to create adequate conditions of prevention of high-risk operations by the bank clients, compliance and control procedures of the bank to international standards. The place of risk-control of the bank clients in the system of internal financial monitoring was specified. The mechanism of risk-control of the bank clients was substantiated, which is a coordinated set of subsystems of recognition, prevention and response to detection of risky operations. The stages of risk-control of the bank clients were determined, in the following sequence: observation and identification of clients; identification and assessment of clients risks; monitoring clients risks and reviewing their levels; taking precautions against high-risk clients. The criteria for assessing the risks of bank clients were formed, taking into account the categorization and grouping of clients with the same parameters of the type of activity and the type of financial transaction that corresponds to it. Areas of special attention of bank risk management were detailed, financial transactions were established, for which the use of high, increased and traditional prudence in the identification and verification of transactions is recommended. The practical experience of Ukrainian banks in complying with risk-control policy in the system of financial monitoring was summarized. The analytical approach to determining the effectiveness of risk-control of the bank clients was improved. The methodical approach to determining the level of aggregate risk of the bank was proposed. The methodical approach to the selection of a group of the bank clients according to the level of risk of legalization (laundering) of proceeds from crime was developed to establish the priority of increased attention from internal financial monitoring. A sequence of stages of risk-control of the bank clients in the system of financial monitoring were developed, namely decompositions of the risk-control process of the bank clients in the context of risk-oriented approach consisting of three successive stages: analysis of external and internal risk-control environment of the bank clients; formation and approbation of the risk map of the bank clients; introduction of control measures against clients with an average and high levels of risks of legalization (laundering) of proceeds from crime. The proposals for specifying the place of risk control of the bank clients in the system of internal bank financial monitoring and for improving the basic requirements and compliance control procedures in the bank at its individual stages from the standpoint of systemic importance and taking into account leading foreign experience was introduced in PJSC "Eastern Ukrainian Bank "Grant "" (reference number № 117-9843 of 14.02.2020), of PJSC CB "Pravex-Bank" (reference number 3548-НФ/01 of 10.02.2020), the educational process Simon Kuznets Kharkiv National University of Economics (reference number 20/86-38-64/1 of 27.02.2020).