THE PROBLEM OF MANAGING THE MONEY LAUNDERING RISK

Task. The problem of legalization of illegal income through the banking sector of the economy continues to be relevant due to a significant amount of dubious operations. The article explores the relationship between the risk of legalization of illegally obtained income and other banking risks, as well as factors that may have an impact on it. The emphasis is on establishing the relationship between the risk of legalization of illegally obtained income and credit risk. The problem of risk assessment of legalization of illegally obtained income and its management is analyzed. The relevance of the topic is not in doubt, since the occurrence of such a risk entails the occurrence of financial losses for a credit institution and carries threats to the country's banking system. Model. The article developed tools to manage the risk of legalization of illegally obtained income, which allows to increase the efficiency of management decisions and reduce financial losses. Findings. The use of the proposed tools for managing the risk of legalization of illegal income will contribute to the adoption of effective management decisions depending on the risk - the appetite of credit organizations and, consequently, reduce potential financial losses from the implementation of emerging risks. Practical value. The practical significance of the article lies in the fact that the conclusions and suggestions are aimed at improving the transparency, stability and reliability of the banking sector of the country's economy, as well as ensuring economic security of both a separate credit institution and the entire state. Originality. The proposed measures to minimize this risk contribute to reducing the likelihood of risk and reduce the damage from its implementation. The developed methodology for managing the risk of legalization of illegal proceeds allows to increase the effectiveness of the risk management of laundering illegally obtained proceeds to reduce financial losses and achieve goals.

doubtful operations, credit risk, risk of legalization of illegally obtained incomes, risk assessment