摩根士丹利深陷洗钱泥潭，AI重塑华尔街风控迫在眉睫

智通财经2025-07-23

智通财经APP获悉，有媒体援引知情人士透露的消息报道称，华尔街金融巨头摩根士丹利(MS.US)因对客户洗钱风险相关的身份审核问题，正受到美国金融业监管局(FINRA)的调查。包括摩根士丹利、高盛在内的华尔街最顶级投行们近年来多次陷入与洗钱相关的监管风险，凸显出借助最先进人工智能大模型协助华尔街金融巨鳄们进行全面客户身份筛查、风险控制与敏感业务合规管理的必要性。有媒体援引未具名知情人士的话报道称，...

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赋能反洗钱(AML)与客户尽调(KYC)”已经成为华尔街必须加速推进的核心防线。据了解，自ChatGPT火爆全球之后，华尔街开始投入大量人力与财力资源用于开发这些金融巨头内部专用的类似ChatGPT生成式AI助手。比如华尔街大行高盛今年6月在全集团上线 GS AI Assistant，已有约一万名高盛员工使用，用于归纳文件、草拟内容、分析风险数据，旨在“全面革新经营效率”。美国银行的企业CIO调查数据显示，与AI应用软件相关联的AI软件类支出位列几乎所有企业支出预算的“最优先级”。美银2025年年中调查显示，受访者预计2025年的AI相关支出将占其软件预算的27.7%，相比美国银行2024年末调查时显著上升;2026年的这一比例预期更高，达到31.6%，显著高于2025年预期。有统计数据显示，有着“OpenAI劲敌”称号的Anthropic年化营收截至5月底已达约 30亿美元，这为生成式AI应用软件在商业世界的真实应用需求提供了强劲的早期验证。Anthropic这一里程碑数字较2024年12月的近10亿美元年化营收大幅跃升。接近Anthropic的消息人士称，Anthropic 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