Contributo do KYC na gestão dos riscos de compliance e potencial evolutivo na era digital

Abstract

In an ever-changing financial landscape, compliance has become a strategic area for ensuring compliance with regulations and reducing risks. Among the various practices that make up compliance, Know Your Customer (KYC) stands out, an essential measure for combating financial crimes such as money laundering and terrorist financing. However, the growing complexity of financial operations and technological advances pose new challenges and opportunities for the effective implementation of KYC. The main objective of this internship report is to deepen the study of the concept and practices of KYC, analyzing its relevance to compliance risk management and exploring the potential impact of technologies such as artificial intelligence and blockchain. During my internship at BNP Paribas Factor in Portugal, I conducted semi-structured interviews with professionals from different hierarchical levels of the organization, including the CEO, Compliance Director, Operation Permanent Control Director and Business Controller, in order to understand the role of KYC practices and their evolutionary potential in the digital age. The results indicate that KYC plays a critical role in mitigating risks such as money laundering and terrorist financing. Despite technological advances, such as artificial intelligence and blockchain, it is identified that organizations still face challenges in implementing more sophisticated automation. However, the participants emphasized that human intervention will continue to be important.

Date of Award	7 Jul 2025
Original language	Portuguese
Awarding Institution	Universidade Católica Portuguesa
Supervisor	Joana Cardoso Fontes (Supervisor)