本课题从商业银行洗钱风险管控的角度，对商业银行反洗钱工作中存在的问题进行了整体思考，并提出了六个问题：一是当前反洗钱工作的国内外形势现状是什么？现阶段反洗钱工作主要任务有哪些？二是商业银行洗钱风险管理是什么样的要求？三是当前，商业银行洗钱风险控制措施有哪些？四是对照反洗钱法律法规监管要求，分析A银行洗钱风险控制措施的现状是什么？五是结合A银行实际问题，提出什么样的洗钱风险控制优化策略？六是为了确保上述策略的实施，要采取什么样的落地保障措施？从人力、资源、金融技术等方面如何保障优化策略的落地？经过国内外的文献研究和对商业银行反洗钱工作的深入分析，本文总结了在当前反洗钱工作形势下，商业银行反洗钱领域在反洗钱内控机制、客户尽职调查、大额交易报告、可疑交易报告、名单监控、资料保存中存在的问题，查找了洗钱风险管理中存在的不足，通过问题分析，发现通过客户信息有效性提升，知识图谱、算法、人工智能等金融科技打造客户尽职调查画像系统，反洗钱客户信息综合视图，客户洗钱风险评级及可疑交易监测系统流程优化，从而实现提升洗钱风险管控的质效。结合上述研究，本文确定了A银行洗钱风险管控研究的方向，目标策略是全面梳理和整合反洗钱客户尽职调查、风险评估与控制、可疑交易监测的场景、标准和所需信息，加快推进反洗钱数字化转型，实现优化洗钱风险管控策略的目标。为了确保上述策略的实施，内部需要高级管理层积极推动洗钱风险管理文化的建设，支持本机构反洗钱工作，按照监管制度要求划分清楚各业务部门职责边界，促进业务部门积极履职，进一步持续加大反洗钱资源投入，在金融机构数字化转型的背景下，加大科技投入，其次是加大反洗钱工作履职的监督力度，最后推进各项目标顺利执行。

From the perspective of money laundering risk control of commercial banks, this topic provides an overall reflection on the existing problems in the anti-money laundering work of commercial banks.The overall reflection on the problems existing in the anti-money laundering work of commercial banks is carried out and six questions are raised: First, what is the current situation of anti-money laundering work at home and abroad? What are the main tasks of anti-money laundering work at this stage? Second, what are the requirements for money laundering risk management of commercial banks? Third, what are the current money laundering risk control measures for commercial banks? Fourth, with reference to the regulatory requirements of anti-money laundering laws and regulations, analyze Bank A‘s money laundering risk management measures.What are the problems in Bank A‘s money laundering risk management measures? Fifth, what kind of money laundering risk control optimization strategies are proposed in relation to the actual problems of Bank A? Sixth, what kind of implementation guarantee measures should be taken to ensure the implementation of the above strategies? How to ensure the implementation of the optimized strategy in terms of human resources, resources and financial technology?After domestic and foreign literature research and in-depth analysis of commercial banks‘ anti-money laundering work, this paper summarizes the current situation of anti-money laundering work in commercial banks in the field of anti-money laundering internal control mechanism,Problems in customer due diligence, large-value transaction reports, suspicious transaction reports, list monitoring, and data storage have been found, and deficiencies in money laundering risk management have been found. Through problem analysis, it has been found that through the improvement of the effectiveness of customer information, knowledge maps, algorithms, Artificial intelligence and other financial technologies create a customer due diligence portrait system, a comprehensive view of anti-money laundering customer information, customer money laundering risk rating and suspicious transaction monitoring system process optimization, so as to improve the quality and efficiency of money laundering risk management and control.Combining the above research, this paper identifies the direction of Bank A‘s money laundering risk control research. The target strategy is to comprehensively sort out and integrate the scenarios, standards and required information for AML customer due diligence, risk assessment and control, and suspicious transaction monitoring, to accelerate the digital transformation of AML, and to achieve the goal of optimizing the money laundering risk control strategy.To ensure the implementation of the above strategies, the senior management is required to actively promote the construction of money laundering risk management culture, support the organization‘s anti-money laundering work, clearly define the boundaries of responsibilities of each business department in accordance with the requirements of the regulatory system, promote the active performance of duties by business departments, and further continue to strengthen Large investment in anti-money laundering resources, in the context of the digital transformation of financial institutions, increase investment in technology, followed by increasing the supervision of anti-money laundering work performance, and finally promote the smooth implementation of various goals.