GRA · Financial Crime and Fraud Risk
Spatial financeWhere capital meets hazard, exposure and transition
Reader questions and safeguards
Programmes that move money after disasters or through new channels often meet financial crime questions late. This checklist sets out the controls and evidence a programme owner prepares before a bank or payment provider assesses it: beneficiary identification, sanctions screening, payment transparency, fraud monitoring and data protection.
The workspace for reader questions and safeguards.
Programme board
Bank B monitoring · Reader questions · Cycle 3 of 4 · Example interface, not a record
- Workstreams active5Active
- Milestones due this quarter7Watch
- Decisions pending with owners3Watch
- Open risks10
Workstreams
by stage
Gates
- Requestowner named
- Scoping noteboundary
- Qualifiedinputs
- BuildFoundry
- Testcontrolled
- Publishwith limits
- Decisionauthority
Financial Crime and Fraud Risk · Programme board. Programme board: example names and illustrative values, not a record.
Seven questions.
- 01
Purpose
What problem does the programme address, and for whom?
- 02
Evidence
What hazard, exposure and vulnerability evidence supports it, with what uncertainty?
- 03
Ownership
Who owns the programme and answers for it?
- 04
Governance
How are decisions taken, recorded and challenged?
- 05
Data
Which data is used, on what terms, and how is it protected?
- 06
Risks
What could go wrong, and how is it managed?
- 07
Monitoring
How will results be measured and reported?
Controls that research can inform.
- Risk assessment: products, channels, geographies and customer types, updated after major events.
- Transaction monitoring: scenario coverage, tuning and alert quality.
- Payment transparency: originator and beneficiary data completeness for the revised Recommendation 16.
- Sanctions screening: list coverage and name-matching quality across jurisdictions.
- Scam response: reimbursement and warning processes where rules require them.
How the process runs.
Process explorer · Process
Reader questions and safeguards: Policy question to decision
9 steps·5 stages·1 gate
Process
Reader questions and safeguards: Policy question to decision
A priority becomes a question, evidence, a decision case and a limited publication; the competent authority decides, never the programme.
01 Question
- 01A priority becomes a questionStep · Universe; national counterpartsA priority becomes a researchable question with stated criteria. National counterparts own the agenda, data and decisions.
- 03Scientific and stakeholder challengeStep · the Global Centre for Risk and Innovation (GCRI); the Global Risks Forum (GRF)Scientific and affected-stakeholder challenge informs mission selection and methods.
02 Evidence and options
- 04Assemble the evidenceStep · GCRIMethods, labelled data and uncertainty are assembled. Every finding carries one of nine evidence labels.
- 06Decision case with optionsRecord · The decision owner named in the caseA decision case binds owner, alternatives, evidence and deadline. It needs sensitivity and robustness.
03 Review and publication
- 07G6 · Publication authorisedGate · The Global Risks ForumGRF authorises publication of results that have passed scientific and editorial review. It cannot publish personal data.
- 08Publish with method, uncertainty and limitsRecord · ReportsFindings are published with their method, uncertainty and limits. An edition is published after review, not to a calendar.
04 Outside the programme
- 02Competent authority decidesDecision · The competent authorityThe authority or institution decides under its own rules. The authority decides; the programme informs.
- 05Action and implementation stay with the ownersActor · The relevant government, operator or licensed institutionDecisions and execution stay with the relevant government, operator or licensed institution. The programme records one only if shared.
05 Learning
- 09Corrections and lessons feed the next agendaStep · UniverseCorrections and lessons feed the next annual agenda. The findings of one year set the mandate of the next.
The Nexus cycle · Decision rights · The programme yearDesigned programme process, not a record of operation. No cycle has run and every programme is at service level R0. A gate is a programme decision, never a public-authority approval, certification or deployment authorisation.
Why GRA never handles case data.
Suspicious activity reports and customer data are confidential by law. Sector research uses public typology reports, aggregate statistics and synthetic data only. Topic depth at financial crime data rights.
Where this page's references lead.
The bodies and documents this page is read against. Status and editions change; each link goes to the issuing body.
Questions and answers.
Is the checklist a standard?
Bring an exposure or capital question to the Alliance.
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Legal documents.
Maps, data and figures on this site are shown for context and general information. They are not advice, forecasts or warnings; the limits of the information are set out in the Disclaimers and Data Notices.