2022年信用社合规部今年度工作总结及明年工作计划 .pdf

信用社（银行）合规部今年度工作总结及明年工作计划今年，合规部在省、市联社的正确领导下，在人民银行及银监部门的指导和监督下，紧紧围绕省联社“抓好立规强化循规全面合规”的工作思路，以央行票据兑付为契机，通过进一步健全合规风险管理体系，梳理完善各项内控管理制度等手段，全面推进合规文化建设，有效地保障了我市辖内农村信用社的合法依规经营。现将今年度工作总结如下：一、今年度工作总结（一）建立合规组织架构，健全合规风险管理体系今年，联社统一法人社正式开业，我部重新健全了合规组织架构，一是成立联社合规风险管理委员会，对合规风险管理进行监管；二是根据省联社选聘专（兼）职合规员的条件和要求，我社采取基层社及联社各部门先推荐后考察的方式，择优选拔符合条件的员工，报联社领导班子研究通过后，聘任了名专（兼）职合规员，基本完善了合规风险管理组织架构体系的建设。（二）坚持内控优先，梳理和健全内控制度1、及时梳理整合各项规章制度。按照统一法人的要求，我部对联社各职能部门印发的相关文件及制度进行了全面的清理，结合我社业务发展和国家相关法律法规的更新情况，通过加强与内部各职能部门及外部监管部门的协调和沟通，针对发现的合规风险点或存在的合规风险隐患，及时向相关部门发出合规风险提示，要求相应部门在规定期限内整改完善，共梳理整合了份内控管理规章制度。其中：合规部份，人力资源部份,计划财务部份，信贷管理部份，资产经营部份，稽核监督部份，办公室份,会计结算部份，监察保卫部份。2、制订或修订合规制度。根据内部或外部监管部门发现的合规风险点或合规风险隐患，对自行制定的各项规章制度和业务操作规程及时进行清理，有针对性地查漏补缺。今年先后制定或修订了反洗钱实施细则、合规政策、报告涉嫌恐怖融资的可疑交易管理办法、客户洗钱风险等级划分实施管理办法、反洗钱岗位责任追究管理办法（暂行）、合规员管理实施办法等制度及业务规程。（三）完善授权制度，规范授权管理工作1、制订授权制度。为了进一步完善授权制度，规范授权管理，强化责任，防范风险，我部制定并下发了授权管理实施细则，并督促相关部室制定、完善了财务开支管理规定（暂行）、信贷业务授权管理办法(修订版)、信贷资金管理暂行办法、综合业务系统大额交易授权工作的有关规定、信贷资产五级分类实施细则（暂行）、不良贷款利息减免实施办法等各项业务授权管理制度，明确了授权范围和授权方式、授权办法等授权相关内容。2、完善各级授权书。今年月日，联社统一法人社正式开业，我部重新完善各级授权书，做到明确职责，实行严格问责和建立有效的约束机制。截 12 月 31 日止，完善各种授权书共份，其中基本授权书份，转授权书份。（四）全面推进合规文化建设，促依法合规经营文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4今年，我部以强化培训、着重提高合规意识为重点，全面推进合规文化建设，主要抓好三方面培训。一是抓合规培训。由我部组织辖内信用社和机关部室合规员举办合规与流程化管理培训次。同时，今年月日对今年新招聘名员工进行了上岗前合规守法知识培训；二是抓反洗钱培训。自行组织培训，月日，我部对辖内信用社和机关部室共名反洗钱合规员开展了反洗钱知识培训。培训特邀中国人民银行领导进行授课。积极参加培训，月日，组织今年新员工人参加中国人民银行举办的反洗钱知识培训班，进一步提高了反洗钱知识水平和反洗钱合规管理水平；三是抓反假币培训。月日，组织辖内信用社名一线员工参加举办的金融机构反假币培训，特邀中国人民银行货币统计科领导授课，组织参加反假币上岗资格证考试，并取得人人通过的好成绩，获得上岗资格。（五）切实抓好反洗钱工作，及时消除洗钱隐患1、规范反洗钱工作，明确责任。为了规范我社反洗钱工作，落实反洗责任，将反洗钱工作纳入业务经营考核，做到责任到社到人。今年联社与各信用社、机关部室签订了反洗钱目标管理责任书，信用社与全体员工签订了反洗钱目标管理责任书，做到层层落实责任，实行严格问责,切实提高反洗钱制度的执行力，使反洗钱工作落到实处。2、严格执行报告制度，加强可疑监控我社通过电脑程序抽取和人工补录相结合来报送大额和可疑交易数据。电脑程序抽取的统一由茂名市联社计算机中心抽取并向上级文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4报送；人工补录，由营业网点经办人通过分析、筛选甄别发现可疑或涉及洗钱的及时向联社合规部报告，由合规部汇总向上级有关部门报送。截今年 12 月 31 日止，电脑程序抽取的上报大额交易累计笔，交易金额万元，其中对私大额交易累计笔，交易金额万元，对公大额交易累计笔，交易金额万元；可疑交易累计笔，交易金额万元，其中对私可疑交易累计笔，交易金额万元，对公可疑交易累计笔，交易金额 万元。人工补录上报的可疑交易累计笔，交易金额万元。3、扎实开展客户划分，有效防范洗钱风险根据转发中国人民银行关于进一步加强金融机构反洗钱工作的通知的要求，我社高度重视，精心部署，及时成立客户洗钱风险等级划分领导小组，健全划分制度，抓好划分培训。同时，组织辖内信用社扎实开展客户洗钱风险等级划分，确保按时按质完成划分任务。截12 月 31 日止，我社对年月日至年月日期间建立业务关系的*个客户全部划分完毕。4、开展检查，确保制度落到实处。一是开展自查。今年，布置辖内信用社按照每季不少于1 次自查的反洗钱要求开展自查。自查必须从严从细，勇于暴露存在问题并立即落实整改；二是组织检查。由我部牵头组织对辖区内个信用社和联社营业部开展反洗钱工作检查次。一是抽查。上半年月至日，对联社等个信用社进行了反洗钱现场抽查；二是全面检查。下半年月日对全辖信用社展开了反洗钱全面检查。通过上下半年次检查，发现各社的反洗钱各项规章制度执行得比较好，反洗钱合规管理水平得到进一步提高。文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V45、抓好客户重新识别工作。今年,我部遵循“了解你的客户”为原则，从客户身份识别入手，在源头上把好关，有效杜绝假名、匿名账户。第三季度，我部申请茂名市联社计算机中心对身份异常的客户进行抽取筛选，然后按社下发到各网点限期进行整改。截月日止，已整改户，未整改户，整改率为%。对未能整改的，继续通过上门、电话联系等方式联系客户要求其提供有效身份证件补充登记完善其相关资料。（六）开展反洗、反假宣传活动。今年，由我部牵头组织反洗、反假宣传次，组织各社自行开展宣传次，主要宣传形式是：一是通过调查问卷，对群众掌握反洗钱、反假货币知识进行调查摸底，找出问题症结，有针对性开展宣传；二是多样宣传。在辖内个营业网点张贴宣传海报张，悬挂宣传标语条，同时，设置反洗钱牌匾和举报电话号码个，方便群众发现洗钱及时向上级举报；三是集中宣传。在 11 月反洗钱宣传月期间，联社由合规部牵头组织办公室、营业部等相关人员，由分管领导亲自带队，到等开展反洗钱、反假币集中宣传，派发宣传单张3000 多张，宣传纪念品 1000 多份，使反洗钱、反假货币家喻户晓，深入群众、深入农村。二、存在问题（一）制度执行不到位，循“规”不力。如：反洗钱客户身份识别制度执行不严，对客户识别不够、了解不多。（二）合规意识不强，风险防控不够。如：汇兑业务由同级综合柜员复核后从过渡账户汇出，没有实行分级控制。文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4（三）反洗钱工作有待加强。如：个别社在反洗钱管理上欠细化，对反洗钱法和两个配套办法学习不够，严重制约了反洗钱工作的开展。（四）合规专业人才缺乏。目前，我社共配置的专/兼职合规员有名。但是，人员素质参差不齐，与省联社要求的既懂法律又熟谙金融业务的复合型合规专业人才相距尚远，严重制约了我社合规文化建设的发展。（五）学习培训有待加强。今年，虽然举办了合规培训和反洗钱学习培训，培训只停留在低水平、低层次上，致使员工合规风险意识不高。三、明年度工作计划（一）推行流程化管理改革工作。按照省联社工作部署要求，明年，以落实审慎原则为前提，以风险管控为抓手，以引导稳健经营和合规管理为目标，稳步推进流程化管理改革，推动联社向现代金融企业迈进。（二）继续完善内控制度，进一步规范合规管理工作。坚持“内控优先，制度先行”的原则，继续梳理整合及完善内控管理制度，进一步规范合规管理工作。（三）强化培训，提高合规队伍素质。一是加强合规与流程化管理培训，倡导“人人主动合规”、“合规人人有责”和树立“合规创造价值”的理念；二是举办反洗钱培训，全面提高反洗钱技能，进一文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4步加强反洗钱合规管理工作。（四）切实抓好反洗钱工作。明年，抓好反洗钱常规工作同时，重点抓好反洗钱非现场监管台帐报送、可疑交易报告、客户洗钱风险等级划分等工作，严格遵照反洗钱非现场监管台帐报表、报告等资料报送要求，按质按量按时报送各项资料。（五）认真抓好反洗钱、反假货币宣传工作，形成反洗、反假合力，进一步扩大反洗钱、反假币的社会影响力。阳光农信联社今年合规部工作总结及明年合规工作计划20XX 年年，在省、市联社的正确领导下，按照省联社合规风险管理指引的要求及结合自身的管理职能，积极履行自身的管理职责，以风险防范为中心，不断摸索完善合规管理职能，提高我区农信社的合规风险管理水平，为我区农信社的合规守法经营和稳健持续发展提供了有效的保障。现将一年来我部的工作情况报告如下：一、合规管理工作基本情况(一)建立合规架构，健全合规风险管理体系。阳光于 20XX 年 1 月成立合规部，在配有一名经理及一名合规员的基础上，根据省联社要求和合规员聘任条件，今年 5 月份在阳光机关各职能部门和基层信用社聘任兼职合规员共18 人，负责本社或本部门合规风险管理工作，同时接受上级合规部门的指导和监督。通过健全合规岗位设置，建立了纵到底、横到边的合规框架结构，有效完善合文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10X7V5Q8 HK6G5M8T10D9 ZM7T5X7C9V4文档编码:CC6Z10