دور مراقب الامتثال في ادارة المخاطر في المصارف: (دراسة تحليلية لعينة من مصارف في اقليم كوردستان)

Abstract

According to the active role that banks performs at any economic society, compliance and risk management consider as one of the main topics in the banking job in order to check bank’s obligation to apply rules and regulations, local and international instructions, prevent risks of all rules and regulations incompliance and support right practices of the active surveillance and bank safety. This could be done through following all compliance policies and instructions of all rules and regulations as well as code of ethics and best attitude criteria. This research aims to present and state the core meaning of compliance monitor and his/her role in bank risk management through facing problems and challenges. In addition, this research tries to highlights theoretical conceptions that relevant to the research variables such as compliance monitor and risk management. This is through continuous reviewing of different bank samples and pose core questions about the role and importance of compliance monitor. It has been founded that compliance monitor in the government and private banks in Kurdistan Region has significant impact on promoting the competition capability of banks and preserve their reputation.  In addition, banks in Kurdistan region have conducted proper actions in getting information about any customers. Furthermore, as compliance monitor has role in evaluate and manage risks in banks, there are obstacles in their job, as they are not allowed to inspect reports that prepared by accounting monitor for checking purposes, and keeping safe different accounts from money laundry operations. Therefore, the weakness of compliance monitoring at both private and government banks leads to conduct and suggest new policies and actions, as well as update the previous policies in order to rise bank effort level. As a recommendation, bank’s high administration should consider the compliance monitor’s report and depended accordingly in the incompliance risk management as well as taking a proper action in applying relevant regulations. In addition, banks should be ready and have all suitable tools and actions that helps compliance monitor to create and design programs and frames that mainly reduce or prevent the risks of incompliance, and helps private banks to have local regulations and international standards compliance in risk management.