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Features of Formation of Models of the Risk Control on the Part of Client Taking into Account the Likelihood of Implementation of Network Schemes

The research is aimed at further developing the theoretical provisions, elaborating the methodological approaches together with scientific-practical recommendations as to the formation of models of the risk control on the part of client, taking into account the likelihood of implementation of network schemes in order to protect against money laundering and financing terrorism. The article closer defines the essence of the concepts of «model of the risk control on the part of client» (taking into account the main components of the model of the risk control on the part of client) and «network scheme». In addition, a classification of existing network schemes of legalization (laundering) of proceeds of crime is provided, on the basis of which a methodical approach to the formation of risk-control models is proposed, taking into account the likelihood of implementation of network schemes to ensure money laundering and financing terrorism. The proposed methodical approach includes four main stages: definition of the basis and components of the model; formation of an array of data for the assessment of risk control models of the bank’s clients; formalization of relationships and formation of a model for assessing risk control of client; assessment of the effectiveness of risk control models of the bank’s clients. A combined (combination of a single- and two-tier model) model of risk control of the bank’s clients given the likelihood of implementation of network schemes to protect against money laundering and financing terrorism based on a fuzzy cognitive card containing 28 components (conceptions) is specified. The effectiveness of the model of risk control of the bank’s clients regarding the implementation of network schemes by applying a script approach taking into account the variables of management factors, which include fines, written notifications and measures to minimize risks as to the initial risk of the bank’s client, is determined.