This article proposes the basic framework of what should be a methodology for identification and risk assessment in the prevention of money laundering for multiple operations companies, especially the banks that are part of the national financial system, with the objective of identifying those transactions that may be linked to asset laundering operations and should be subject to a suspicious transaction report to the Financial Intelligence Unit of Peru. At the same time, it highlights the role of banks as part of the economic structure of society, since they are the representative entities of the financial system, which is why they support people' s confidence in the integrity of the system. In this sense, the risk-based approach is analyszed from the perspective of a banking company, so that, in accordance with national and international regulations, they can reinforce the methodology for risk identification and evaluation, based mainly on the principle « know your costumer ».

This article proposes the basic framework of what should be a methodology for identification and risk assessment in the prevention of money laundering for multiple operations companies, especially the banks that are part of the national financial system, with the objective of identifying those transactions that may be linked to asset laundering operations and should be subject to a suspicious transaction report to the Financial Intelligence Unit of Peru. At the same time, it highlights the role of banks as part of the economic structure of society, since they are the representative entities of the financial system, which is why they support people's confidence in the integrity of the system. In this sense, the risk-based approach is analyzed from the perspective of a banking company, so that, in accordance with national and international regulations, they can reinforce the methodology for risk identification and evaluation, based mainly on the principle «know your costumer».

This article proposes the basic framework of what should be a methodology for identification and risk assessment in the prevention of money laundering for multiple operations companies, especially the banks that are part of the national financial system, with the objective of identifying those transactions that may be linked to asset laundering operations and should be subject to a suspicious transaction report to the Financial Intelligence Unit of Peru. At the same time, it highlights the role of banks as part of the economic structure of society, since they are the representative entities of the financial system, which is why they support people's confidence in the integrity of the system. In this sense, the risk-based approach is analyzed from the perspective of a banking company, so that, in accordance with national and international regulations, they can reinforce the methodology for risk identification and evaluation, based mainly on the principle "know your customer".

تقترح هذه المادة الإطار الأساسي لما يجب أن يكون منهجية لتحديد وتقييم المخاطر في منع غسل الأموال لشركات العمليات المتعددة، وخاصة البنوك التي تشكل جزءًا من النظام المالي الوطني، بهدف تحديد تلك المعاملات التي قد تكون مرتبطة بعمليات غسل الأصول ويجب أن تخضع لتقرير معاملة مشبوهة إلى وحدة الاستخبارات المالية في بيرو. وفي الوقت نفسه، يسلط الضوء على دور البنوك كجزء من الهيكل الاقتصادي للمجتمع، لأنها الكيانات التمثيلية للنظام المالي، وهذا هو السبب في أنها تدعم ثقة الناس في نزاهة النظام. وبهذا المعنى، يتم تحليل النهج القائم على المخاطر من منظور شركة مصرفية، بحيث يمكنها، وفقًا للوائح الوطنية والدولية، تعزيز منهجية تحديد المخاطر وتقييمها، استنادًا بشكل أساسي إلى مبدأ "اعرف عميلك".