金融機構防詐新思維──典範轉移與公私協力

The Paradigm Shift of Financial Institutions in Combating Fraud—Best Practice: Eagle Eye Alliance

詐欺犯罪在近年成為洗錢犯罪中成長最快速的前置犯罪，被英國皇家聯合研究所（Royal United Services Institute, RUSI）稱為「21世紀的安靜威脅」，並指出應以國安高度議題應對，足見詐欺犯罪對於各國政府與民間的鉅大影響。我國的詐欺犯罪在近五年已成長5倍，損失金額依全球防詐聯盟（Global Anti-Scam Alliance, GASA）估計更高達新臺幣2,000億元，而我國政府亦陸續成立打詐國家隊、制定專法、成立行政院打詐辦公室，足見其對國內的威脅與影響。金融機構長期雖然依照國際防制洗錢組織規範，就異常金融交易執行事後之可疑交易申報，惟面對金融詐欺愈加嚴重，此作法實已不符社會期待。隨著國際上金融監理機構巴賽爾委員會（Basel Committee）陸續發布新的風險趨勢以及給予金融機構面對詐欺威脅之指引，金融機構面對金融詐欺之角色、定位與作法應有變革，本文以我國金融機構透過導入人工智慧（artificial intelligence, AI）科技方法發展「AI鷹眼識詐模型」，以風險為本科技防詐成功推動全國各金融機構「鷹眼識詐聯盟」，全面導入科技技術。藉此實例中展現金融機構在新威脅下的新定位、思維與作法的解決方案，本文並藉此實例提出金融機構在科技時代可開展的合作模式與應用。

Scam fraud, as so-called“the Silent Threat”in recent published research of Royal United Services Institute (RUSI), has become the biggest threat among all of the money laundering predicate offences. Same as in Taiwan, even the government has spared all its effort in multi-new policies to combat the fraud crime, the reported scam fraud case number has increased in five times in past five years, and the loss of scam fraud has been estimated up to NTD 200 billion by Global Anti-Scam Alliance (GASA). Financial institutions, in compliant with FATF 40 Recommendations, follow its old-way to file suspicious transaction report is not ever workable and acceptable by facing upon the new threats. In the meantime, Basel Committee has recently released its discussion paper alerting that financial fraud could hurt financial stability, so the use of digital tech is vital for financial institutions in combating such crimes. This article presents a best practice of the AI Eagle Eye model developed and implemented by all of Taiwanese financial institutions, by which characterized a new proposition, role, and way in combating scam and fraud.