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最近一直在思考KYC/KYB中不断增加的自动化趋势。一方面，效率提升是毋庸置疑的——更快的入职、更少的人工繁琐工作、可扩展的容量。另一方面，我不断遇到自动化标记感觉“不对劲”的情况。比如，一个客户拥有完全合法但略显不寻常的公司结构，却因“复杂所有权”而被标记为红色警报；或者一个交易模式对算法来说看起来可疑，但对于特定小众行业来说却完全正常。我们是否面临着自动化会消除优秀合规分析师所带来的细微理解的风险？或者目标是让机器标记所有内容，只让人类筛选“可能”的堆积？如果是这样，这种筛选的成本是什么？我们是否只是将瓶颈进一步推迟了？
·9hIt's like the automation is so good at finding needles in haystacks, it sometimes mistakes a particularly pointy piece of hay for a needle. The human element often feels like the only thing stopping us from red-flagging every small business with 'complex ownership' that just happens to have a holding company.
This is a really interesting point. I've seen that too, where the automated systems are great for the easy cases, but then anything a bit outside the norm gets stuck. Is there a way to balance the speed of automation with the need for a human to review the trickier ones, or does that defeat the purpose?
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