The bank sent me a message saying that we have monitored a suspicious risky transaction on your bank card. What will the bank do to me? Will it be okay?

The bank will not deal with this situation, but will only remind you that there are trading risks and beware of being cheated. Of course, in this case, it is suggested that you can call separately and call the bank's manual customer service for specific consultation and confirmation. Now that the bank's risk control is relatively perfect, in order to reduce the risk of theft, it will indeed remind abnormal transactions. For example, if you swipe your card at a local place an hour ago and swipe your card at another place an hour later, the banking system will report that you are suspected of being stolen, and will inform you by text message or telephone to confirm whether the transaction is personal or not, thus reducing the loss of theft.

Identifying suspicious transactions in banks: the core of anti-money laundering risk control in commercial banks

Whether it is the guiding documents of international anti-money laundering organizations, China's anti-money laundering laws and regulations, or the practice of mature anti-money laundering supervision countries, the anti-money laundering requirements for commercial banks can be summarized as follows:

The first is "know your customers". Only by knowing the basic situation of the customer can we know his normal trading pattern and find his abnormal activities.

The second is transaction monitoring. Only by monitoring customers' transactions in our bank can we find abnormal transactions and report them to the regulatory authorities.

The third is the preservation of customer information. To judge whether any customer's transaction is suspicious, it is often necessary to analyze it in combination with its historical data; At the same time, financial institutions have the obligation to assist the judicial organs to provide money laundering clues and provide past transaction records of suspicious persons.

The fourth is training. It is fundamental to do a good job in anti-money laundering practice and ensure that business personnel, especially the front desk personnel who contact customers, master the basic skills of identifying suspicious transactions.

The fifth is independent testing. This means that the internal audit department of the bank or the external audit institution hired by it examines whether the above-mentioned anti-money laundering control measures are effective from the perspective of a third party, so as to realize the continuous improvement of risk control ability.

The above five aspects cannot be viewed in isolation. Only by bringing them into the anti-money laundering risk control can we say that this commercial bank has formed an effective anti-money laundering risk control mechanism, and its symbol is that suspicious transactions conducted through this bank can be identified in time and accurately.