МЕТОДЫ ОЦЕНКИ КОМПЛАЕНС РИСКОВ В СОВРЕМЕННЫХ РОССИЙСКИХ И ЗАРУБЕЖНЫХ БАНКАХ

Abstract:
The article examines the problem of assessing compliance risks in modern Russian and foreign banks, which is driven by the need to comply with regulatory requirements while simultaneously reducing the risk of unjustified restrictions for добросовестные customers. The aim of the study is to compare Russian and foreign approaches to assessing compliance risks and to identify the limitations of the methods used. The scientific novelty lies in systematizing the differences between the models in terms of the degree of automation, the speed of response, the transparency of criteria, and the nature of sanctions. The methodological basis consists of a comparative analysis, the study of the regulatory framework, statistical data, and practical cases. It has been established that the Russian model is focused on preventive automated blocking, which increases the risk of false positives, whereas the foreign model is characterized by subsequent investigation and the application of significant sanctions. The practical significance lies in the justification of the need to improve compliance mechanisms. A promising direction is the development of hybrid models that combine algorithmic analysis and expert assessment.