Anti-Money Laundering
Money laundering is one of today’s widespread financial frauds that are met in all the parts of the world. It is a practice of disguising and changing origins of money that were obtained illegally. In this way, the proceeds of crime appear legitimate. The methods of money laundering vary greatly, some of them being simple and others complex.

There can be distinguished three steps in money laundering: placement, when cash appears in the financial system; layering, when financial transactions are performed to hide the actual source of money; integration, when funds are obtained by the criminal. These steps can be changed due to the peculiarities of each particular case.

There are different forms of money laundering and the most widely spread of them are the following: structuring or smurfing, when cash is broken into smaller amounts of money; cash-intensive businesses, when business has legal and illegal cash flows, but claims all earnings as legitimate; bulk cash smuggling, when cash is smuggled to another jurisdiction; black salaries, when companies have unregistered employees that receive cash payments; real estate, when it is purchased with illegal money, and then sold to receive legitimate income; and others.

Anti-money laundering is a complex of actions directed at financial institutions that are required to prevent and report any money laundering activities that they spot. Guidelines on anti-money laundering became globally known after September 11, 2001. Now financial institutions have to request as much information as possible from their clients, but in different countries these process vary. There is also anti-money laundering software developed and implemented in different institutions, which filters information received from clients and classifies it according to suspicion levels.

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窗体顶端
洗钱是符合世界的所有部分，今天的普遍的金融诈骗之一。这是掩饰和改变被非法获得的资金来源的做法。这样一来，犯罪所得收益出现合法的。洗钱的方法差别很大，有些更是简单，有些复杂。

可以有洗钱杰出三个步骤：放置，当现金出现在金融体系;压条，当金融交易进行隐瞒资金的实际来源;整合，当资金受到刑事获得。这些步骤可能会因个别案件的特殊性而改变。

有不同形式的洗钱和流传最广的人都如下：结构化或化整为零，当现金被分解成更小的金额;现金密集型企业，当企业有合法和非法的现金流量，但声称所有的收入是合法的;大宗现金走私，当现金被走私到另一个司法管辖区;黑色的工资，当企业有收取现金款项未登记的员工;房地产，当它与非法资金购买，然后出售给接收合法收入;及其他。

反洗黑钱是冲着所需，防止并报告任何他们发现洗钱活动的金融机构操作的复杂。反洗黑钱指引成为2001年9.11后，全球知名。现在的金融机构必须从他们的客户要求尽可能多的信息越好，但在不同的国家，这些过程会有所不同。也有开发并在不同的机构实施的反洗钱软件，它过滤从客户端接收的信息，并将其根据的怀疑程度分类。

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