Abstract

As the insurance industry evolves, intermediaries serve as a bridge between insurance companies and their clients. However, the complexity of transaction workflows and the diversity of fund flow mechanisms give rise to potential money laundering risks and challenges for effective regulation. This study identifies key anti-money laundering (AML) risk points within the core business processes of insurance intermediaries. It finds that regulatory challenges, specifically unclear and fragmented accountability alongside disjointed information systems, undermine core risk control measures. Consequently, the study proposes a series of targeted recommendations: establishing an integrated transaction monitoring system, leveraging fintech tools to strengthen internal compliance frameworks, and building a risk-based AML system tailored to the specific characteristics of insurance intermediary channels.

Keywords

Insurance IntermediaryAnti-Money LaunderingCustomer Due DiligenceData IntegrationEnterprise Service ArchitectureRisk Management

Publication

Accepted 2026 October 10 ; Published 2026 October 15

Journal of Economic Theory and Business Management, 2026, 3(3), 3006-4953

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Metadata

DOI

10.70393/6a6574626d.343537

ARK

ark:/40704/JETBM.v3n3a01

Pages

1–5

References

16

Disciplines

Economics

Subjects

Institutional Economics

Cite This Article

Acknowledgments

Not Applicable.

Funding

Not Applicable.

Institutional Review Board Statement

Not Applicable.

Data Availability Statement

Not Applicable.

Informed Consent Statement

Not Applicable.

Conflict of Interest

Not Applicable.

Author Contributions

Not application.

References

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Copyright © 2026 The Author(s). Published by Southern United Academy of Sciences.
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