Multi-Jurisdiction AML Compliance vs Operational Simplicity

Build a single global AML framework with configurable jurisdiction-specific rule parameters to harmonise compliance while meeting each regulator's local requirements.

CyberTRIZ analysis · Banking contradiction AML036 · one of 8,235 worked contradictions published by CyberTRIZ.AI

Regulations

FATF EU_SANCTIONS BCBS_239 COBIT2019 BE_NBB_GOVERNANCE_MANUAL_2022

Business Context

International banks must comply with different AML regulations, reporting deadlines, customer due diligence requirements, and supervisory expectations across multiple jurisdictions. Maintaining separate operational processes for each country increases complexity and cost.

Banking TRIZ Resolution

Establish a common global AML framework supported by configurable jurisdiction-specific rules. Standardize core processes while adapting only the regulatory parameters required by local authorities.

Recommended Banking TRIZ Principles

Principle 3 - Local Quality

Principle 15 - Dynamics

Principle 33 - Homogeneity

Principle 40 - Composite Materials

Expected Outcome

Simplified global operations

Better regulatory compliance

Lower implementation costs

Improved governance consistency

TRIZ principles applied

P3 Local QualityP15 DynamicsP33 HomogeneityP40 Composite Materials

Controls that address this (13)

FATF-AML-001 - Implement Risk-Based AML/CFT Approachoperational · critical priority · Implement a risk-based approach to AML/CFT covering: national risk assessment awareness, institutional risk assessment, risk-based allocatio FATF-CDD-001 - Implement FATF-Standard Customer Due Diligenceoperational · critical priority · Apply CDD measures to all customers: identify and verify customer identity, identify beneficial owners, understand the purpose of the busine FATF-R1-001 - Institutional AML/CFT Risk Assessmentgovernance · critical priority · Conduct a comprehensive institutional AML/CFT risk assessment covering: products and services, customer types, delivery channels, and geogra