PROBLEMS OF RISK ASSESSMENT METHODOLOGY AND VULNERABILITY IN THE FIELD OF COUNTERING MONEY LAUNDERING/TERRORIST FINANCING OF SMALL AND MEDIUM-SIZED RUSSIAN BUSINESSES IN THE CONTEXT OF DIGITALIZATION

Khayrullin Mars Faritovich, Vorobyev Dmitry Igorevich

Dynamic trends in the transformation of Russian society and the progressive development of criminal technologies in the field of digitalization of finance actualize the need to solve problems in the field of methodology for assessing and vulnerability in the field of countering money laundering/terrorist financing of small and medium-sized Russian businesses. To date, not all organizations and individual entrepreneurs who, as a result of their professional activities, are subjects of Federal Law No. 115-FZ dated 08/07/2001 «On Countering the Legalization (Laundering) of Proceeds from Crime and the financing of terrorism» are aware of their subjectivity and the resulting rights and obligations, and despite significant the attention of experts and researchers to the problem of countering money laundering and terrorist financing. Many methodological issues of implementing risk assessment and vulnerability search for small and medium-sized businesses remain debatable. The paper presents the results of a study of the current state of small and medium-sized businesses in the field of risk assessment and potential vulnerabilities, identifies the sources of problems for business entities in the field of countering money laundering/terrorist financing, and proposes an algorithm for assessing risks in this area for small and medium-sized businesses.

Keywords:Small and medium-sized businesses, countering money laundering/terrorist financing, economic security, risks in the field of countering money laundering/terrorist financing