The implementation of the risk-based approach in the fight against money laundering and terrorist money requires an identification of the real issues at stake in the evolution of the relationship between compliance and risk management (article Revue Banque n° 749 November 2020) and facilitates convergence and enhanced collaboration between the two activities, or even lays the foundations for a merger (article Revue Banque n° 850, December 2020)*. 

Risk management in the banking environment responds, in particular, to a concern to preserve the balance at the individual level, of each institution, as well as to the balance of the financial system, in a broader framework. It is in this sense that the Basel agreements mainly intervene, which set out criteria to be met.To these agreements have been added the standards of the Financial Action Task Force (FATF) in a more specific context of the fight against money laundering and the financing of terrorism and the proliferation of weapons of mass destruction (AML-CFT)