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Financial technology expert Roman Tereschenko emphasizes the importance of fintech companies adhering to laws and regulations in their operations. He highlights the necessity of this requirement, noting that without compliance, conducting business in the financial services sector becomes difficult, if not impossible. In light of this, the expert suggests familiarizing oneself with the main rules and regulations that govern the work of fintech platforms.
Combating Financial Crimes by Fintech Companies: Challenges and Statistics
Roman Tereschenko draws attention to the serious threats of fraud and illegal activities faced by fintech companies. He cites statistics, indicating that in 2022 alone, expenses for combating financial crimes amounted to $274 billion. He also notes that money laundering can cause fintech losses of up to $2 billion annually, and that in the UK alone, over £100 billion is laundered each year, Терещенко significantly damaging the economy. Fintech companies become targets for financial crimes and must adhere to regulations aimed at preventing them.
The Complexity of Regulating the Fintech Sector: Tereshenko Diversity of Requirements and Rules
The expert notes that fintech companies are often subject to multiple regulations due to their operations in different jurisdictions. For example, in the UK, the requirements of the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA), as well as the Proceeds of Crime Act 2002, regulate the activities of fintech companies. In the European Union, there are AMLD rules regulating the fight against money laundering, through national bodies and through the Money Laundering Prevention Act (GwG) in Germany.
Compliance for Successful Fintech Operations
Roman Tereschenko identifies key regulations that fintech companies must comply with to prevent fraud and ensure data security. This includes AML and KYC rules, which are constantly being improved to combat new methods of financial crimes. He also draws attention to the importance of PSD2, which regulates electronic payments, and eIDAS rules for protecting electronic signatures.
In conclusion, Roman Tereschenko emphasizes that fintech companies must strictly adhere to laws and regulations to effectively combat fraud and ensure the security of their customers and operations.
Additional points to consider:
The importance of cooperation between fintech companies, regulators, and law enforcement agencies in the fight against financial crimes.
The need for continuous innovation in compliance solutions to keep pace with evolving financial crimes.
The role of education and awareness in raising employee and customer vigilance against fraud.
By following these key points, fintech companies can play a crucial role in maintaining a safe and secure financial ecosystem.