Effect of fraud, money laundering in the Peruvian banking system.

Abstract

In this investigation it is intended to establish whether banking institutions have the necessary tools to detect and report fraudulent transactions, therefore, the investigation had the objective of delimiting the consequences of fraud, money laundering in the national financial system by implementing of a set of processes and supervisions that allow the early detection and reporting of fraudulent transactions in the national banking system. This work is carried out with a descriptive method, qualitative approach, of a basic type with a design based on the phenomenological study. The techniques were the interview, the documentary analysis and the observation. The sample was 3 bank officials who are specialists in corruption, fraud and money laundering issues. The results are that our institution carries out competent work with the qualification of the personnel in charge of detecting in an early and timely manner the operations of possible fraud and unusual customer transactions, proceeding to the investigation as a suspicious report and on diligence in the risk of laundering. of assets. We conclude that money laundering fraud is a financial and economic crime that negatively affects national institutions. In addition, the established regulations must be controlled and updated with permanent surveillance and monitoring, so that the country's economy and its inhabitants are not affected by these crimes.