id	sid	tid	token	lemma	pos
elp-55194	1	1	economics	economic	NOUN
elp-55194	1	2	,	,	PUNCT
elp-55194	1	3	law	law	NOUN
elp-55194	1	4	and	and	CCONJ
elp-55194	1	5	policy	policy	NOUN
elp-55194	1	6	issn	issn	VERB
elp-55194	1	7	2576	2576	NUM
elp-55194	1	8	-	-	SYM
elp-55194	1	9	2060	2060	NUM
elp-55194	1	10	(	(	PUNCT
elp-55194	1	11	print	print	NOUN
elp-55194	1	12	)	)	PUNCT
elp-55194	1	13	issn	issn	PROPN
elp-55194	1	14	2576	2576	NUM
elp-55194	1	15	-	-	SYM
elp-55194	1	16	2052	2052	NUM
elp-55194	1	17	(	(	PUNCT
elp-55194	1	18	online	online	ADJ
elp-55194	1	19	)	)	PUNCT
elp-55194	1	20	vol	vol	NOUN
elp-55194	1	21	.	.	PROPN
elp-55194	2	1	7	7	NUM
elp-55194	2	2	,	,	PUNCT
elp-55194	2	3	no	no	INTJ
elp-55194	2	4	.	.	NOUN
elp-55194	2	5	3	3	NUM
elp-55194	2	6	,	,	PUNCT
elp-55194	2	7	2024	2024	NUM
elp-55194	2	8	www.scholink.org/ojs/index.php/elp	www.scholink.org/ojs/index.php/elp	VERB
elp-55194	2	9	43	43	NUM
elp-55194	2	10	original	original	ADJ
elp-55194	2	11	paper	paper	NOUN
elp-55194	2	12	effectiveness	effectiveness	NOUN
elp-55194	2	13	of	of	ADP
elp-55194	2	14	the	the	DET
elp-55194	2	15	uk	uk	PROPN
elp-55194	2	16	aml	aml	NOUN
elp-55194	2	17	system	system	NOUN
elp-55194	2	18	and	and	CCONJ
elp-55194	2	19	strategies	strategy	NOUN
elp-55194	2	20	for	for	ADP
elp-55194	2	21	improvement	improvement	NOUN
elp-55194	2	22	chenyang	chenyang	PROPN
elp-55194	2	23	liu	liu	PROPN
elp-55194	2	24	1	1	NUM
elp-55194	2	25	1	1	NUM
elp-55194	2	26	newcastle	newcastle	PROPN
elp-55194	2	27	university	university	PROPN
elp-55194	2	28	,	,	PUNCT
elp-55194	2	29	uk	uk	PROPN
elp-55194	2	30	received	receive	VERB
elp-55194	2	31	:	:	PUNCT
elp-55194	2	32	october	october	PROPN
elp-55194	2	33	10	10	NUM
elp-55194	2	34	,	,	PUNCT
elp-55194	2	35	2024	2024	NUM
elp-55194	2	36	accepted	accept	VERB
elp-55194	2	37	:	:	PUNCT
elp-55194	2	38	october	october	PROPN
elp-55194	2	39	18	18	NUM
elp-55194	2	40	,	,	PUNCT
elp-55194	2	41	2024	2024	NUM
elp-55194	2	42	online	online	ADV
elp-55194	2	43	published	publish	VERB
elp-55194	2	44	:	:	PUNCT
elp-55194	2	45	october	october	PROPN
elp-55194	2	46	20	20	NUM
elp-55194	2	47	,	,	PUNCT
elp-55194	2	48	2024	2024	NUM
elp-55194	2	49	doi:10.22158	doi:10.22158	NOUN
elp-55194	2	50	/	/	SYM
elp-55194	2	51	elp.v7n3p43	elp.v7n3p43	PROPN
elp-55194	2	52	url	url	PROPN
elp-55194	2	53	:	:	PUNCT
elp-55194	2	54	http://dx.doi.org/10.22158/elp.v7n3p43	http://dx.doi.org/10.22158/elp.v7n3p43	PROPN
elp-55194	2	55	abstract	abstract	ADV
elp-55194	2	56	as	as	SCONJ
elp-55194	2	57	the	the	DET
elp-55194	2	58	cost	cost	NOUN
elp-55194	2	59	of	of	ADP
elp-55194	2	60	anti	anti	ADJ
elp-55194	2	61	-	-	ADJ
elp-55194	2	62	money	money	ADJ
elp-55194	2	63	laundering	laundering	NOUN
elp-55194	2	64	(	(	PUNCT
elp-55194	2	65	aml	aml	NOUN
elp-55194	2	66	)	)	PUNCT
elp-55194	2	67	compliance	compliance	NOUN
elp-55194	2	68	in	in	ADP
elp-55194	2	69	the	the	DET
elp-55194	2	70	uk	uk	PROPN
elp-55194	2	71	continues	continue	VERB
elp-55194	2	72	to	to	PART
elp-55194	2	73	rise	rise	VERB
elp-55194	2	74	,	,	PUNCT
elp-55194	2	75	financial	financial	ADJ
elp-55194	2	76	crime	crime	NOUN
elp-55194	2	77	rates	rate	NOUN
elp-55194	2	78	have	have	AUX
elp-55194	2	79	not	not	PART
elp-55194	2	80	fallen	fall	VERB
elp-55194	2	81	.	.	PUNCT
elp-55194	3	1	this	this	DET
elp-55194	3	2	study	study	NOUN
elp-55194	3	3	assesses	assess	VERB
elp-55194	3	4	the	the	DET
elp-55194	3	5	effectiveness	effectiveness	NOUN
elp-55194	3	6	of	of	ADP
elp-55194	3	7	the	the	DET
elp-55194	3	8	uk	uk	PROPN
elp-55194	3	9	’s	’s	PART
elp-55194	3	10	anti	anti	ADJ
elp-55194	3	11	-	-	ADJ
elp-55194	3	12	money	money	ADJ
elp-55194	3	13	laundering	laundering	NOUN
elp-55194	3	14	(	(	PUNCT
elp-55194	3	15	aml	aml	NOUN
elp-55194	3	16	)	)	PUNCT
elp-55194	3	17	system	system	NOUN
elp-55194	3	18	and	and	CCONJ
elp-55194	3	19	proposes	propose	VERB
elp-55194	3	20	strategies	strategy	NOUN
elp-55194	3	21	for	for	ADP
elp-55194	3	22	improvement	improvement	NOUN
elp-55194	3	23	.	.	PUNCT
elp-55194	4	1	the	the	DET
elp-55194	4	2	research	research	NOUN
elp-55194	4	3	examines	examine	VERB
elp-55194	4	4	the	the	DET
elp-55194	4	5	current	current	ADJ
elp-55194	4	6	legal	legal	ADJ
elp-55194	4	7	framework	framework	NOUN
elp-55194	4	8	,	,	PUNCT
elp-55194	4	9	including	include	VERB
elp-55194	4	10	the	the	DET
elp-55194	4	11	proceeds	proceed	NOUN
elp-55194	4	12	of	of	ADP
elp-55194	4	13	crime	crime	NOUN
elp-55194	4	14	act	act	NOUN
elp-55194	4	15	(	(	PUNCT
elp-55194	4	16	poca	poca	PROPN
elp-55194	4	17	)	)	PUNCT
elp-55194	4	18	and	and	CCONJ
elp-55194	4	19	the	the	DET
elp-55194	4	20	money	money	NOUN
elp-55194	4	21	laundering	launder	VERB
elp-55194	4	22	regulations	regulation	NOUN
elp-55194	4	23	2017	2017	NUM
elp-55194	4	24	(	(	PUNCT
elp-55194	4	25	mlr2017	mlr2017	NOUN
elp-55194	4	26	)	)	PUNCT
elp-55194	4	27	,	,	PUNCT
elp-55194	4	28	assessing	assess	VERB
elp-55194	4	29	their	their	PRON
elp-55194	4	30	role	role	NOUN
elp-55194	4	31	in	in	ADP
elp-55194	4	32	preventing	prevent	VERB
elp-55194	4	33	and	and	CCONJ
elp-55194	4	34	combating	combat	VERB
elp-55194	4	35	financial	financial	ADJ
elp-55194	4	36	crime	crime	NOUN
elp-55194	4	37	.	.	PUNCT
elp-55194	5	1	analyzing	analyze	VERB
elp-55194	5	2	case	case	NOUN
elp-55194	5	3	studies	study	NOUN
elp-55194	5	4	and	and	CCONJ
elp-55194	5	5	statistical	statistical	ADJ
elp-55194	5	6	data	datum	NOUN
elp-55194	5	7	,	,	PUNCT
elp-55194	5	8	the	the	DET
elp-55194	5	9	findings	finding	NOUN
elp-55194	5	10	suggest	suggest	VERB
elp-55194	5	11	that	that	SCONJ
elp-55194	5	12	while	while	SCONJ
elp-55194	5	13	the	the	DET
elp-55194	5	14	uk	uk	PROPN
elp-55194	5	15	aml	aml	PROPN
elp-55194	5	16	system	system	NOUN
elp-55194	5	17	has	have	AUX
elp-55194	5	18	been	be	AUX
elp-55194	5	19	effective	effective	ADJ
elp-55194	5	20	in	in	ADP
elp-55194	5	21	identifying	identify	VERB
elp-55194	5	22	and	and	CCONJ
elp-55194	5	23	deterring	deter	VERB
elp-55194	5	24	money	money	NOUN
elp-55194	5	25	laundering	laundering	NOUN
elp-55194	5	26	,	,	PUNCT
elp-55194	5	27	significant	significant	ADJ
elp-55194	5	28	challenges	challenge	NOUN
elp-55194	5	29	remain	remain	VERB
elp-55194	5	30	.	.	PUNCT
elp-55194	6	1	insufficient	insufficient	ADJ
elp-55194	6	2	sharing	sharing	NOUN
elp-55194	6	3	of	of	ADP
elp-55194	6	4	information	information	NOUN
elp-55194	6	5	between	between	ADP
elp-55194	6	6	agencies	agency	NOUN
elp-55194	6	7	,	,	PUNCT
elp-55194	6	8	uneven	uneven	ADJ
elp-55194	6	9	allocation	allocation	NOUN
elp-55194	6	10	of	of	ADP
elp-55194	6	11	resources	resource	NOUN
elp-55194	6	12	,	,	PUNCT
elp-55194	6	13	and	and	CCONJ
elp-55194	6	14	inconsistent	inconsistent	ADJ
elp-55194	6	15	regulatory	regulatory	ADJ
elp-55194	6	16	enforcement	enforcement	NOUN
elp-55194	6	17	hinder	hinder	VERB
elp-55194	6	18	overall	overall	ADJ
elp-55194	6	19	effectiveness	effectiveness	NOUN
elp-55194	6	20	.	.	PUNCT
elp-55194	7	1	to	to	PART
elp-55194	7	2	address	address	VERB
elp-55194	7	3	these	these	DET
elp-55194	7	4	shortcomings	shortcoming	NOUN
elp-55194	7	5	,	,	PUNCT
elp-55194	7	6	the	the	DET
elp-55194	7	7	study	study	NOUN
elp-55194	7	8	makes	make	VERB
elp-55194	7	9	several	several	ADJ
elp-55194	7	10	strategic	strategic	ADJ
elp-55194	7	11	recommendations	recommendation	NOUN
elp-55194	7	12	:	:	PUNCT
elp-55194	7	13	strengthening	strengthen	VERB
elp-55194	7	14	inter	inter	ADJ
elp-55194	7	15	-	-	ADJ
elp-55194	7	16	agency	agency	ADJ
elp-55194	7	17	cooperation	cooperation	NOUN
elp-55194	7	18	,	,	PUNCT
elp-55194	7	19	leveraging	leverage	VERB
elp-55194	7	20	advanced	advanced	ADJ
elp-55194	7	21	technological	technological	ADJ
elp-55194	7	22	solutions	solution	NOUN
elp-55194	7	23	for	for	ADP
elp-55194	7	24	data	datum	NOUN
elp-55194	7	25	analysis	analysis	NOUN
elp-55194	7	26	and	and	CCONJ
elp-55194	7	27	reporting	reporting	NOUN
elp-55194	7	28	,	,	PUNCT
elp-55194	7	29	improving	improve	VERB
elp-55194	7	30	training	training	NOUN
elp-55194	7	31	and	and	CCONJ
elp-55194	7	32	awareness	awareness	NOUN
elp-55194	7	33	programmes	programme	NOUN
elp-55194	7	34	for	for	ADP
elp-55194	7	35	financial	financial	ADJ
elp-55194	7	36	institutions	institution	NOUN
elp-55194	7	37	,	,	PUNCT
elp-55194	7	38	and	and	CCONJ
elp-55194	7	39	improving	improve	VERB
elp-55194	7	40	the	the	DET
elp-55194	7	41	legal	legal	ADJ
elp-55194	7	42	framework	framework	NOUN
elp-55194	7	43	to	to	PART
elp-55194	7	44	adapt	adapt	VERB
elp-55194	7	45	to	to	ADP
elp-55194	7	46	emerging	emerge	VERB
elp-55194	7	47	threats	threat	NOUN
elp-55194	7	48	.	.	PUNCT
elp-55194	8	1	implementing	implement	VERB
elp-55194	8	2	these	these	DET
elp-55194	8	3	recommendations	recommendation	NOUN
elp-55194	8	4	could	could	AUX
elp-55194	8	5	strengthen	strengthen	VERB
elp-55194	8	6	the	the	DET
elp-55194	8	7	uk	uk	PROPN
elp-55194	8	8	’s	’s	PART
elp-55194	8	9	anti	anti	ADJ
elp-55194	8	10	-	-	ADJ
elp-55194	8	11	money	money	ADJ
elp-55194	8	12	laundering	laundering	NOUN
elp-55194	8	13	(	(	PUNCT
elp-55194	8	14	aml	aml	PROPN
elp-55194	8	15	)	)	PUNCT
elp-55194	8	16	efforts	effort	NOUN
elp-55194	8	17	,	,	PUNCT
elp-55194	8	18	making	make	VERB
elp-55194	8	19	them	they	PRON
elp-55194	8	20	more	more	ADV
elp-55194	8	21	robust	robust	ADJ
elp-55194	8	22	and	and	CCONJ
elp-55194	8	23	responsive	responsive	ADJ
elp-55194	8	24	to	to	ADP
elp-55194	8	25	the	the	DET
elp-55194	8	26	evolving	evolve	VERB
elp-55194	8	27	financial	financial	ADJ
elp-55194	8	28	crime	crime	NOUN
elp-55194	8	29	landscape	landscape	NOUN
elp-55194	8	30	.	.	PUNCT
elp-55194	9	1	ultimately	ultimately	ADV
elp-55194	9	2	,	,	PUNCT
elp-55194	9	3	this	this	DET
elp-55194	9	4	study	study	NOUN
elp-55194	9	5	aims	aim	VERB
elp-55194	9	6	to	to	PART
elp-55194	9	7	contribute	contribute	VERB
elp-55194	9	8	to	to	ADP
elp-55194	9	9	the	the	DET
elp-55194	9	10	current	current	ADJ
elp-55194	9	11	debate	debate	NOUN
elp-55194	9	12	on	on	ADP
elp-55194	9	13	the	the	DET
elp-55194	9	14	effectiveness	effectiveness	NOUN
elp-55194	9	15	of	of	ADP
elp-55194	9	16	aml	aml	NOUN
elp-55194	9	17	and	and	CCONJ
elp-55194	9	18	to	to	PART
elp-55194	9	19	make	make	VERB
elp-55194	9	20	recommendations	recommendation	NOUN
elp-55194	9	21	for	for	ADP
elp-55194	9	22	improving	improve	VERB
elp-55194	9	23	the	the	DET
elp-55194	9	24	aml	aml	NOUN
elp-55194	9	25	system	system	NOUN
elp-55194	9	26	’s	’s	PART
elp-55194	9	27	response	response	NOUN
elp-55194	9	28	to	to	ADP
elp-55194	9	29	the	the	DET
elp-55194	9	30	complexities	complexity	NOUN
elp-55194	9	31	of	of	ADP
elp-55194	9	32	money	money	NOUN
elp-55194	9	33	laundering	laundering	NOUN
elp-55194	9	34	in	in	ADP
elp-55194	9	35	order	order	NOUN
elp-55194	9	36	to	to	PART
elp-55194	9	37	strengthen	strengthen	VERB
elp-55194	9	38	the	the	DET
elp-55194	9	39	uk	uk	PROPN
elp-55194	9	40	’s	’s	PART
elp-55194	9	41	position	position	NOUN
elp-55194	9	42	in	in	ADP
elp-55194	9	43	the	the	DET
elp-55194	9	44	global	global	ADJ
elp-55194	9	45	fight	fight	NOUN
elp-55194	9	46	against	against	ADP
elp-55194	9	47	money	money	NOUN
elp-55194	9	48	laundering	laundering	NOUN
elp-55194	9	49	.	.	PUNCT
elp-55194	10	1	1	1	X
elp-55194	10	2	.	.	X
elp-55194	10	3	introduction	introduction	NOUN
elp-55194	10	4	the	the	DET
elp-55194	10	5	financial	financial	ADJ
elp-55194	10	6	burden	burden	NOUN
elp-55194	10	7	of	of	ADP
elp-55194	10	8	anti	anti	ADJ
elp-55194	10	9	-	-	ADJ
elp-55194	10	10	money	money	ADJ
elp-55194	10	11	laundering	laundering	NOUN
elp-55194	10	12	(	(	PUNCT
elp-55194	10	13	aml	aml	NOUN
elp-55194	10	14	)	)	PUNCT
elp-55194	10	15	compliance	compliance	NOUN
elp-55194	10	16	in	in	ADP
elp-55194	10	17	the	the	DET
elp-55194	10	18	uk	uk	PROPN
elp-55194	10	19	has	have	AUX
elp-55194	10	20	been	be	AUX
elp-55194	10	21	steadily	steadily	ADV
elp-55194	10	22	increasing	increase	VERB
elp-55194	10	23	for	for	ADP
elp-55194	10	24	over	over	ADP
elp-55194	10	25	a	a	DET
elp-55194	10	26	decade	decade	NOUN
elp-55194	10	27	.	.	PUNCT
elp-55194	11	1	instead	instead	ADV
elp-55194	11	2	of	of	ADP
elp-55194	11	3	decreasing	decrease	VERB
elp-55194	11	4	,	,	PUNCT
elp-55194	11	5	financial	financial	ADJ
elp-55194	11	6	crime	crime	NOUN
elp-55194	11	7	rates	rate	NOUN
elp-55194	11	8	have	have	AUX
elp-55194	11	9	continued	continue	VERB
elp-55194	11	10	to	to	PART
elp-55194	11	11	rise	rise	VERB
elp-55194	11	12	despite	despite	SCONJ
elp-55194	11	13	significant	significant	ADJ
elp-55194	11	14	investment	investment	NOUN
elp-55194	11	15	.	.	PUNCT
elp-55194	12	1	this	this	DET
elp-55194	12	2	situation	situation	NOUN
elp-55194	12	3	prompts	prompt	VERB
elp-55194	12	4	a	a	DET
elp-55194	12	5	critical	critical	ADJ
elp-55194	12	6	investigation	investigation	NOUN
elp-55194	12	7	into	into	ADP
elp-55194	12	8	the	the	DET
elp-55194	12	9	effectiveness	effectiveness	NOUN
elp-55194	12	10	of	of	ADP
elp-55194	12	11	current	current	ADJ
elp-55194	12	12	aml	aml	NOUN
elp-55194	12	13	measures	measure	NOUN
elp-55194	12	14	at	at	ADP
elp-55194	12	15	an	an	DET
elp-55194	12	16	operational	operational	ADJ
elp-55194	12	17	level	level	NOUN
elp-55194	12	18	.	.	PUNCT
elp-55194	13	1	a	a	DET
elp-55194	13	2	review	review	NOUN
elp-55194	13	3	of	of	ADP
elp-55194	13	4	whether	whether	SCONJ
elp-55194	13	5	the	the	DET
elp-55194	13	6	existing	exist	VERB
elp-55194	13	7	aml	aml	NOUN
elp-55194	13	8	framework	framework	NOUN
elp-55194	13	9	is	be	AUX
elp-55194	13	10	www.scholink.org/ojs/index.php/elp	www.scholink.org/ojs/index.php/elp	NOUN
elp-55194	13	11	economics	economic	NOUN
elp-55194	13	12	,	,	PUNCT
elp-55194	13	13	law	law	NOUN
elp-55194	13	14	and	and	CCONJ
elp-55194	13	15	policy	policy	NOUN
elp-55194	13	16	vol	vol	NOUN
elp-55194	13	17	.	.	PUNCT
elp-55194	14	1	7	7	NUM
elp-55194	14	2	,	,	PUNCT
elp-55194	14	3	no	no	INTJ
elp-55194	14	4	.	.	NOUN
elp-55194	14	5	3	3	NUM
elp-55194	14	6	,	,	PUNCT
elp-55194	14	7	2024	2024	NUM
elp-55194	14	8	44	44	NUM
elp-55194	14	9	published	publish	VERB
elp-55194	14	10	by	by	ADP
elp-55194	14	11	scholink	scholink	PROPN
elp-55194	14	12	inc	inc	PROPN
elp-55194	14	13	.	.	PROPN
elp-55194	14	14	fundamentally	fundamentally	ADV
elp-55194	14	15	flawed	flawed	ADJ
elp-55194	14	16	and	and	CCONJ
elp-55194	14	17	no	no	ADV
elp-55194	14	18	longer	long	ADV
elp-55194	14	19	able	able	ADJ
elp-55194	14	20	to	to	PART
elp-55194	14	21	effectively	effectively	ADV
elp-55194	14	22	address	address	VERB
elp-55194	14	23	the	the	DET
elp-55194	14	24	challenges	challenge	NOUN
elp-55194	14	25	it	it	PRON
elp-55194	14	26	was	be	AUX
elp-55194	14	27	designed	design	VERB
elp-55194	14	28	to	to	PART
elp-55194	14	29	address	address	VERB
elp-55194	14	30	is	be	AUX
elp-55194	14	31	therefore	therefore	ADV
elp-55194	14	32	necessary	necessary	ADJ
elp-55194	14	33	.	.	PUNCT
elp-55194	15	1	such	such	DET
elp-55194	15	2	a	a	DET
elp-55194	15	3	reassessment	reassessment	NOUN
elp-55194	15	4	could	could	AUX
elp-55194	15	5	provide	provide	VERB
elp-55194	15	6	a	a	DET
elp-55194	15	7	path	path	NOUN
elp-55194	15	8	for	for	ADP
elp-55194	15	9	identifying	identify	VERB
elp-55194	15	10	the	the	DET
elp-55194	15	11	necessary	necessary	ADJ
elp-55194	15	12	reforms	reform	NOUN
elp-55194	15	13	or	or	CCONJ
elp-55194	15	14	alternatives	alternative	NOUN
elp-55194	15	15	to	to	PART
elp-55194	15	16	improve	improve	VERB
elp-55194	15	17	the	the	DET
elp-55194	15	18	effectiveness	effectiveness	NOUN
elp-55194	15	19	of	of	ADP
elp-55194	15	20	anti	anti	ADJ
elp-55194	15	21	-	-	ADJ
elp-55194	15	22	money	money	NOUN
elp-55194	15	23	-	-	PUNCT
elp-55194	15	24	laundering	launder	VERB
elp-55194	15	25	efforts	effort	NOUN
elp-55194	15	26	in	in	ADP
elp-55194	15	27	the	the	DET
elp-55194	15	28	fight	fight	NOUN
elp-55194	15	29	against	against	ADP
elp-55194	15	30	financial	financial	ADJ
elp-55194	15	31	crime	crime	NOUN
elp-55194	15	32	.	.	PUNCT
elp-55194	16	1	money	money	NOUN
elp-55194	16	2	laundering	laundering	NOUN
elp-55194	16	3	is	be	AUX
elp-55194	16	4	itself	itself	PRON
elp-55194	16	5	a	a	DET
elp-55194	16	6	crime	crime	NOUN
elp-55194	16	7	(	(	PUNCT
elp-55194	16	8	note	note	NOUN
elp-55194	16	9	1	1	NUM
elp-55194	16	10	)	)	PUNCT
elp-55194	16	11	.	.	PUNCT
elp-55194	17	1	money	money	NOUN
elp-55194	17	2	laundering	laundering	NOUN
elp-55194	17	3	is	be	AUX
elp-55194	17	4	an	an	DET
elp-55194	17	5	illegal	illegal	ADJ
elp-55194	17	6	activity	activity	NOUN
elp-55194	17	7	carried	carry	VERB
elp-55194	17	8	out	out	ADP
elp-55194	17	9	by	by	ADP
elp-55194	17	10	criminals	criminal	NOUN
elp-55194	17	11	which	which	PRON
elp-55194	17	12	occurs	occur	VERB
elp-55194	17	13	outside	outside	ADP
elp-55194	17	14	of	of	ADP
elp-55194	17	15	the	the	DET
elp-55194	17	16	normal	normal	ADJ
elp-55194	17	17	range	range	NOUN
elp-55194	17	18	of	of	ADP
elp-55194	17	19	economic	economic	ADJ
elp-55194	17	20	and	and	CCONJ
elp-55194	17	21	financial	financial	ADJ
elp-55194	17	22	statistics	statistic	NOUN
elp-55194	17	23	(	(	PUNCT
elp-55194	17	24	note	note	NOUN
elp-55194	17	25	2	2	NUM
elp-55194	17	26	)	)	PUNCT
elp-55194	17	27	.	.	PUNCT
elp-55194	18	1	according	accord	VERB
elp-55194	18	2	to	to	ADP
elp-55194	18	3	the	the	DET
elp-55194	18	4	definition	definition	NOUN
elp-55194	18	5	of	of	ADP
elp-55194	18	6	international	international	ADJ
elp-55194	18	7	compliance	compliance	NOUN
elp-55194	18	8	association	association	NOUN
elp-55194	18	9	(	(	PUNCT
elp-55194	18	10	ica	ica	PROPN
elp-55194	18	11	)	)	PUNCT
elp-55194	18	12	,	,	PUNCT
elp-55194	18	13	money	money	NOUN
elp-55194	18	14	laundering	laundering	NOUN
elp-55194	18	15	is	be	AUX
elp-55194	18	16	the	the	DET
elp-55194	18	17	generic	generic	ADJ
elp-55194	18	18	term	term	NOUN
elp-55194	18	19	used	use	VERB
elp-55194	18	20	to	to	PART
elp-55194	18	21	describe	describe	VERB
elp-55194	18	22	the	the	DET
elp-55194	18	23	process	process	NOUN
elp-55194	18	24	by	by	ADP
elp-55194	18	25	which	which	PRON
elp-55194	18	26	criminals	criminal	NOUN
elp-55194	18	27	disguise	disguise	VERB
elp-55194	18	28	the	the	DET
elp-55194	18	29	original	original	ADJ
elp-55194	18	30	ownership	ownership	NOUN
elp-55194	18	31	and	and	CCONJ
elp-55194	18	32	control	control	NOUN
elp-55194	18	33	of	of	ADP
elp-55194	18	34	the	the	DET
elp-55194	18	35	proceeds	proceed	NOUN
elp-55194	18	36	of	of	ADP
elp-55194	18	37	criminal	criminal	ADJ
elp-55194	18	38	conduct	conduct	NOUN
elp-55194	18	39	by	by	ADP
elp-55194	18	40	making	make	VERB
elp-55194	18	41	such	such	ADJ
elp-55194	18	42	proceeds	proceed	NOUN
elp-55194	18	43	appear	appear	VERB
elp-55194	18	44	to	to	PART
elp-55194	18	45	have	have	AUX
elp-55194	18	46	derived	derive	VERB
elp-55194	18	47	from	from	ADP
elp-55194	18	48	a	a	DET
elp-55194	18	49	legitimate	legitimate	ADJ
elp-55194	18	50	source	source	NOUN
elp-55194	18	51	(	(	PUNCT
elp-55194	18	52	note	note	NOUN
elp-55194	18	53	3	3	NUM
elp-55194	18	54	)	)	PUNCT
elp-55194	18	55	.	.	PUNCT
elp-55194	19	1	however	however	ADV
elp-55194	19	2	,	,	PUNCT
elp-55194	19	3	with	with	ADP
elp-55194	19	4	the	the	DET
elp-55194	19	5	rapid	rapid	ADJ
elp-55194	19	6	advancement	advancement	NOUN
elp-55194	19	7	of	of	ADP
elp-55194	19	8	modern	modern	ADJ
elp-55194	19	9	technology	technology	NOUN
elp-55194	19	10	,	,	PUNCT
elp-55194	19	11	this	this	DET
elp-55194	19	12	illegitimate	illegitimate	ADJ
elp-55194	19	13	money	money	NOUN
elp-55194	19	14	can	can	AUX
elp-55194	19	15	be	be	AUX
elp-55194	19	16	transferred	transfer	VERB
elp-55194	19	17	to	to	ADP
elp-55194	19	18	any	any	DET
elp-55194	19	19	part	part	NOUN
elp-55194	19	20	of	of	ADP
elp-55194	19	21	the	the	DET
elp-55194	19	22	world	world	NOUN
elp-55194	19	23	through	through	ADP
elp-55194	19	24	electronic	electronic	ADJ
elp-55194	19	25	transfers	transfer	NOUN
elp-55194	19	26	.	.	PUNCT
elp-55194	20	1	it‟s	it‟s	PROPN
elp-55194	20	2	extremely	extremely	ADV
elp-55194	20	3	harmful	harmful	ADJ
elp-55194	20	4	to	to	ADP
elp-55194	20	5	the	the	DET
elp-55194	20	6	financial	financial	ADJ
elp-55194	20	7	system	system	NOUN
elp-55194	20	8	,	,	PUNCT
elp-55194	20	9	not	not	PART
elp-55194	20	10	only	only	ADV
elp-55194	20	11	leading	lead	VERB
elp-55194	20	12	to	to	ADP
elp-55194	20	13	market	market	NOUN
elp-55194	20	14	distortions	distortion	NOUN
elp-55194	20	15	that	that	PRON
elp-55194	20	16	prevent	prevent	VERB
elp-55194	20	17	normal	normal	ADJ
elp-55194	20	18	economic	economic	ADJ
elp-55194	20	19	activities	activity	NOUN
elp-55194	20	20	from	from	ADP
elp-55194	20	21	taking	take	VERB
elp-55194	20	22	place	place	NOUN
elp-55194	20	23	in	in	ADP
elp-55194	20	24	a	a	DET
elp-55194	20	25	fair	fair	ADJ
elp-55194	20	26	market	market	NOUN
elp-55194	20	27	environment	environment	NOUN
elp-55194	20	28	,	,	PUNCT
elp-55194	20	29	but	but	CCONJ
elp-55194	20	30	also	also	ADV
elp-55194	20	31	creating	create	VERB
elp-55194	20	32	additional	additional	ADJ
elp-55194	20	33	compliance	compliance	NOUN
elp-55194	20	34	costs	cost	NOUN
elp-55194	20	35	and	and	CCONJ
elp-55194	20	36	reputation	reputation	NOUN
elp-55194	20	37	risks	risk	NOUN
elp-55194	20	38	for	for	ADP
elp-55194	20	39	financial	financial	ADJ
elp-55194	20	40	institutions	institution	NOUN
elp-55194	20	41	.	.	PUNCT
elp-55194	21	1	the	the	DET
elp-55194	21	2	cost	cost	NOUN
elp-55194	21	3	of	of	ADP
elp-55194	21	4	anti	anti	ADJ
elp-55194	21	5	-	-	ADJ
elp-55194	21	6	money	money	ADJ
elp-55194	21	7	laundering	launder	VERB
elp-55194	21	8	compliance	compliance	NOUN
elp-55194	21	9	in	in	ADP
elp-55194	21	10	the	the	DET
elp-55194	21	11	uk	uk	PROPN
elp-55194	21	12	has	have	AUX
elp-55194	21	13	been	be	AUX
elp-55194	21	14	rising	rise	VERB
elp-55194	21	15	disproportionately	disproportionately	ADV
elp-55194	21	16	for	for	ADP
elp-55194	21	17	more	more	ADJ
elp-55194	21	18	than	than	ADP
elp-55194	21	19	a	a	PRON
elp-55194	21	20	decade	decade	NOUN
elp-55194	21	21	,	,	PUNCT
elp-55194	21	22	but	but	CCONJ
elp-55194	21	23	financial	financial	ADJ
elp-55194	21	24	crime	crime	NOUN
elp-55194	21	25	rates	rate	NOUN
elp-55194	21	26	have	have	AUX
elp-55194	21	27	continued	continue	VERB
elp-55194	21	28	to	to	PART
elp-55194	21	29	rise	rise	VERB
elp-55194	21	30	.	.	PUNCT
elp-55194	22	1	according	accord	VERB
elp-55194	22	2	to	to	ADP
elp-55194	22	3	data	datum	NOUN
elp-55194	22	4	released	release	VERB
elp-55194	22	5	by	by	ADP
elp-55194	22	6	the	the	DET
elp-55194	22	7	hm	hm	PROPN
elp-55194	22	8	government	government	NOUN
elp-55194	22	9	,	,	PUNCT
elp-55194	22	10	the	the	DET
elp-55194	22	11	number	number	NOUN
elp-55194	22	12	of	of	ADP
elp-55194	22	13	people	people	NOUN
elp-55194	22	14	sentenced	sentence	VERB
elp-55194	22	15	for	for	ADP
elp-55194	22	16	money	money	NOUN
elp-55194	22	17	laundering	laundering	NOUN
elp-55194	22	18	offences	offence	NOUN
elp-55194	22	19	is	be	AUX
elp-55194	22	20	on	on	ADP
elp-55194	22	21	a	a	DET
elp-55194	22	22	slow	slow	ADJ
elp-55194	22	23	upward	upward	ADJ
elp-55194	22	24	trend	trend	NOUN
elp-55194	22	25	from	from	ADP
elp-55194	22	26	2018	2018	NUM
elp-55194	22	27	to	to	ADP
elp-55194	22	28	2022	2022	NUM
elp-55194	22	29	(	(	PUNCT
elp-55194	22	30	data	datum	NOUN
elp-55194	22	31	as	as	ADP
elp-55194	22	32	of	of	ADP
elp-55194	22	33	2022	2022	NUM
elp-55194	22	34	)	)	PUNCT
elp-55194	22	35	(	(	PUNCT
elp-55194	22	36	note	note	VERB
elp-55194	22	37	4	4	NUM
elp-55194	22	38	)	)	PUNCT
elp-55194	22	39	.	.	PUNCT
elp-55194	23	1	a	a	DET
elp-55194	23	2	serious	serious	ADJ
elp-55194	23	3	concern	concern	NOUN
elp-55194	23	4	arises	arise	VERB
elp-55194	23	5	in	in	ADP
elp-55194	23	6	the	the	DET
elp-55194	23	7	current	current	ADJ
elp-55194	23	8	situation	situation	NOUN
elp-55194	23	9	,	,	PUNCT
elp-55194	23	10	which	which	PRON
elp-55194	23	11	is	be	AUX
elp-55194	23	12	is	be	AUX
elp-55194	23	13	the	the	DET
elp-55194	23	14	present	present	ADJ
elp-55194	23	15	aml	aml	NOUN
elp-55194	23	16	system	system	NOUN
elp-55194	23	17	broken	break	VERB
elp-55194	23	18	and	and	CCONJ
elp-55194	23	19	no	no	ADV
elp-55194	23	20	longer	long	ADV
elp-55194	23	21	fit	fit	ADJ
elp-55194	23	22	for	for	ADP
elp-55194	23	23	purpose	purpose	NOUN
elp-55194	23	24	?	?	PUNCT
elp-55194	24	1	as	as	SCONJ
elp-55194	24	2	whitehouse	whitehouse	NOUN
elp-55194	24	3	concludes	conclude	VERB
elp-55194	24	4	that	that	SCONJ
elp-55194	24	5	„	„	PUNCT
elp-55194	24	6	the	the	DET
elp-55194	24	7	cost	cost	NOUN
elp-55194	24	8	of	of	ADP
elp-55194	24	9	compliance	compliance	NOUN
elp-55194	24	10	is	be	AUX
elp-55194	24	11	increasing	increase	VERB
elp-55194	24	12	rapidly	rapidly	ADV
elp-55194	24	13	but	but	CCONJ
elp-55194	24	14	it	it	PRON
elp-55194	24	15	would	would	AUX
elp-55194	24	16	be	be	AUX
elp-55194	24	17	a	a	DET
elp-55194	24	18	brave	brave	ADJ
elp-55194	24	19	person	person	NOUN
elp-55194	24	20	who	who	PRON
elp-55194	24	21	steps	step	VERB
elp-55194	24	22	up	up	ADP
elp-55194	24	23	to	to	PART
elp-55194	24	24	say	say	VERB
elp-55194	24	25	that	that	SCONJ
elp-55194	24	26	it	it	PRON
elp-55194	24	27	is	be	AUX
elp-55194	24	28	too	too	ADV
elp-55194	24	29	high	high	ADJ
elp-55194	24	30	a	a	DET
elp-55194	24	31	price	price	NOUN
elp-55194	24	32	to	to	PART
elp-55194	24	33	pay	pay	VERB
elp-55194	24	34	for	for	ADP
elp-55194	24	35	countering	counter	VERB
elp-55194	24	36	terrorism	terrorism	NOUN
elp-55194	24	37	and	and	CCONJ
elp-55194	24	38	serious	serious	ADJ
elp-55194	24	39	crime‟	crime‟	ADJ
elp-55194	24	40	(	(	PUNCT
elp-55194	24	41	note	note	NOUN
elp-55194	24	42	5	5	NUM
elp-55194	24	43	)	)	PUNCT
elp-55194	24	44	.	.	PUNCT
elp-55194	25	1	indeed	indeed	ADV
elp-55194	25	2	,	,	PUNCT
elp-55194	25	3	the	the	DET
elp-55194	25	4	aml	aml	NOUN
elp-55194	25	5	system	system	NOUN
elp-55194	25	6	has	have	VERB
elp-55194	25	7	a	a	DET
elp-55194	25	8	number	number	NOUN
elp-55194	25	9	of	of	ADP
elp-55194	25	10	problems	problem	NOUN
elp-55194	25	11	and	and	CCONJ
elp-55194	25	12	challenges	challenge	NOUN
elp-55194	25	13	,	,	PUNCT
elp-55194	25	14	but	but	CCONJ
elp-55194	25	15	it	it	PRON
elp-55194	25	16	has	have	AUX
elp-55194	25	17	not	not	PART
elp-55194	25	18	been	be	AUX
elp-55194	25	19	broken	break	VERB
elp-55194	25	20	and	and	CCONJ
elp-55194	25	21	still	still	ADV
elp-55194	25	22	carries	carry	VERB
elp-55194	25	23	out	out	ADP
elp-55194	25	24	a	a	DET
elp-55194	25	25	key	key	ADJ
elp-55194	25	26	role	role	NOUN
elp-55194	25	27	in	in	ADP
elp-55194	25	28	deterring	deter	VERB
elp-55194	25	29	and	and	CCONJ
elp-55194	25	30	detecting	detect	VERB
elp-55194	25	31	money	money	NOUN
elp-55194	25	32	laundering	laundering	NOUN
elp-55194	25	33	.	.	PUNCT
elp-55194	26	1	this	this	DET
elp-55194	26	2	essay	essay	NOUN
elp-55194	26	3	will	will	AUX
elp-55194	26	4	initially	initially	ADV
elp-55194	26	5	consider	consider	VERB
elp-55194	26	6	the	the	DET
elp-55194	26	7	challenges	challenge	NOUN
elp-55194	26	8	for	for	ADP
elp-55194	26	9	the	the	DET
elp-55194	26	10	aml	aml	PROPN
elp-55194	26	11	system	system	NOUN
elp-55194	26	12	,	,	PUNCT
elp-55194	26	13	secondly	secondly	ADV
elp-55194	26	14	it	it	PRON
elp-55194	26	15	will	will	AUX
elp-55194	26	16	critically	critically	ADV
elp-55194	26	17	assess	assess	VERB
elp-55194	26	18	the	the	DET
elp-55194	26	19	effectiveness	effectiveness	NOUN
elp-55194	26	20	of	of	ADP
elp-55194	26	21	the	the	DET
elp-55194	26	22	aml	aml	NOUN
elp-55194	26	23	system	system	NOUN
elp-55194	26	24	in	in	ADP
elp-55194	26	25	combating	combat	VERB
elp-55194	26	26	financial	financial	ADJ
elp-55194	26	27	crime	crime	NOUN
elp-55194	26	28	and	and	CCONJ
elp-55194	26	29	property	property	NOUN
elp-55194	26	30	recovery	recovery	NOUN
elp-55194	26	31	and	and	CCONJ
elp-55194	26	32	finally	finally	ADV
elp-55194	26	33	make	make	VERB
elp-55194	26	34	some	some	DET
elp-55194	26	35	recommendations	recommendation	NOUN
elp-55194	26	36	on	on	ADP
elp-55194	26	37	the	the	DET
elp-55194	26	38	current	current	ADJ
elp-55194	26	39	system	system	NOUN
elp-55194	26	40	.	.	PUNCT
elp-55194	27	1	2	2	X
elp-55194	27	2	.	.	X
elp-55194	27	3	challenges	challenge	NOUN
elp-55194	27	4	to	to	ADP
elp-55194	27	5	aml	aml	PROPN
elp-55194	27	6	compliance	compliance	NOUN
elp-55194	27	7	the	the	DET
elp-55194	27	8	cornerstone	cornerstone	NOUN
elp-55194	27	9	of	of	ADP
elp-55194	27	10	the	the	DET
elp-55194	27	11	united	united	PROPN
elp-55194	27	12	kingdom‟s	kingdom‟s	PROPN
elp-55194	27	13	anti	anti	ADJ
elp-55194	27	14	-	-	ADJ
elp-55194	27	15	money	money	ADJ
elp-55194	27	16	laundering	laundering	NOUN
elp-55194	27	17	legislation	legislation	NOUN
elp-55194	27	18	is	be	AUX
elp-55194	27	19	the	the	DET
elp-55194	27	20	proceeds	proceed	NOUN
elp-55194	27	21	of	of	ADP
elp-55194	27	22	crime	crime	NOUN
elp-55194	27	23	act	act	NOUN
elp-55194	27	24	(	(	PUNCT
elp-55194	27	25	poca	poca	PROPN
elp-55194	27	26	)	)	PUNCT
elp-55194	27	27	,	,	PUNCT
elp-55194	27	28	complemented	complement	VERB
elp-55194	27	29	by	by	ADP
elp-55194	27	30	foundational	foundational	ADJ
elp-55194	27	31	regulations	regulation	NOUN
elp-55194	27	32	such	such	ADJ
elp-55194	27	33	as	as	ADP
elp-55194	27	34	the	the	DET
elp-55194	27	35	money	money	NOUN
elp-55194	27	36	laundering	laundering	NOUN
elp-55194	27	37	regulations	regulation	NOUN
elp-55194	27	38	2017	2017	NUM
elp-55194	27	39	(	(	PUNCT
elp-55194	27	40	mlr2017	mlr2017	NOUN
elp-55194	27	41	)	)	PUNCT
elp-55194	27	42	.	.	PUNCT
elp-55194	28	1	the	the	DET
elp-55194	28	2	financial	financial	ADJ
elp-55194	28	3	conduct	conduct	NOUN
elp-55194	28	4	authority	authority	NOUN
elp-55194	28	5	(	(	PUNCT
elp-55194	28	6	fca	fca	PROPN
elp-55194	28	7	)	)	PUNCT
elp-55194	28	8	enforces	enforce	VERB
elp-55194	28	9	these	these	DET
elp-55194	28	10	provisions	provision	NOUN
elp-55194	28	11	in	in	ADP
elp-55194	28	12	strict	strict	ADJ
elp-55194	28	13	accordance	accordance	NOUN
elp-55194	28	14	with	with	ADP
elp-55194	28	15	the	the	DET
elp-55194	28	16	established	establish	VERB
elp-55194	28	17	legal	legal	ADJ
elp-55194	28	18	framework	framework	NOUN
elp-55194	28	19	.	.	PUNCT
elp-55194	29	1	the	the	DET
elp-55194	29	2	regulatory	regulatory	ADJ
elp-55194	29	3	environment	environment	NOUN
elp-55194	29	4	has	have	AUX
elp-55194	29	5	been	be	AUX
elp-55194	29	6	further	far	ADV
elp-55194	29	7	strengthened	strengthen	VERB
elp-55194	29	8	with	with	ADP
elp-55194	29	9	the	the	DET
elp-55194	29	10	introduction	introduction	NOUN
elp-55194	29	11	of	of	ADP
elp-55194	29	12	unexplained	unexplained	ADJ
elp-55194	29	13	wealth	wealth	NOUN
elp-55194	29	14	orders	order	NOUN
elp-55194	29	15	(	(	PUNCT
elp-55194	29	16	uwos	uwos	PROPN
elp-55194	29	17	)	)	PUNCT
elp-55194	29	18	under	under	ADP
elp-55194	29	19	the	the	DET
elp-55194	29	20	criminal	criminal	ADJ
elp-55194	29	21	finances	finance	NOUN
elp-55194	29	22	act	act	VERB
elp-55194	29	23	2017	2017	NUM
elp-55194	29	24	(	(	PUNCT
elp-55194	29	25	cfa	cfa	PROPN
elp-55194	29	26	2017	2017	NUM
elp-55194	29	27	)	)	PUNCT
elp-55194	29	28	.	.	PUNCT
elp-55194	30	1	unexplained	unexplained	ADJ
elp-55194	30	2	wealth	wealth	NOUN
elp-55194	30	3	orders	order	NOUN
elp-55194	30	4	(	(	PUNCT
elp-55194	30	5	uwos	uwos	PROPN
elp-55194	30	6	)	)	PUNCT
elp-55194	30	7	have	have	AUX
elp-55194	30	8	proved	prove	VERB
elp-55194	30	9	to	to	PART
elp-55194	30	10	be	be	AUX
elp-55194	30	11	an	an	DET
elp-55194	30	12	important	important	ADJ
elp-55194	30	13	tool	tool	NOUN
elp-55194	30	14	in	in	ADP
elp-55194	30	15	the	the	DET
elp-55194	30	16	investigation	investigation	NOUN
elp-55194	30	17	of	of	ADP
elp-55194	30	18	individuals	individual	NOUN
elp-55194	30	19	whose	whose	DET
elp-55194	30	20	assets	asset	NOUN
elp-55194	30	21	are	be	AUX
elp-55194	30	22	disproportionate	disproportionate	ADJ
elp-55194	30	23	to	to	ADP
elp-55194	30	24	their	their	PRON
elp-55194	30	25	known	know	VERB
elp-55194	30	26	legitimate	legitimate	ADJ
elp-55194	30	27	income	income	NOUN
elp-55194	30	28	,	,	PUNCT
elp-55194	30	29	and	and	CCONJ
elp-55194	30	30	are	be	AUX
elp-55194	30	31	particularly	particularly	ADV
elp-55194	30	32	important	important	ADJ
elp-55194	30	33	in	in	ADP
elp-55194	30	34	cases	case	NOUN
elp-55194	30	35	involving	involve	VERB
elp-55194	30	36	international	international	ADJ
elp-55194	30	37	corruption	corruption	NOUN
elp-55194	30	38	and	and	CCONJ
elp-55194	30	39	money	money	NOUN
elp-55194	30	40	laundering	laundering	NOUN
elp-55194	30	41	.	.	PUNCT
elp-55194	31	1	in	in	ADP
elp-55194	31	2	addition	addition	NOUN
elp-55194	31	3	,	,	PUNCT
elp-55194	31	4	the	the	DET
elp-55194	31	5	economic	economic	ADJ
elp-55194	31	6	crime	crime	NOUN
elp-55194	31	7	(	(	PUNCT
elp-55194	31	8	transparency	transparency	NOUN
elp-55194	31	9	and	and	CCONJ
elp-55194	31	10	enforcement	enforcement	NOUN
elp-55194	31	11	)	)	PUNCT
elp-55194	31	12	act	act	VERB
elp-55194	31	13	2022	2022	NUM
elp-55194	31	14	reinforces	reinforce	VERB
elp-55194	31	15	www.scholink.org/ojs/index.php/elp	www.scholink.org/ojs/index.php/elp	NOUN
elp-55194	31	16	economics	economic	NOUN
elp-55194	31	17	,	,	PUNCT
elp-55194	31	18	law	law	NOUN
elp-55194	31	19	and	and	CCONJ
elp-55194	31	20	policy	policy	NOUN
elp-55194	31	21	vol	vol	NOUN
elp-55194	31	22	.	.	PUNCT
elp-55194	32	1	7	7	NUM
elp-55194	32	2	,	,	PUNCT
elp-55194	32	3	no	no	INTJ
elp-55194	32	4	.	.	NOUN
elp-55194	32	5	3	3	NUM
elp-55194	32	6	,	,	PUNCT
elp-55194	32	7	2024	2024	NUM
elp-55194	32	8	45	45	NUM
elp-55194	32	9	published	publish	VERB
elp-55194	32	10	by	by	ADP
elp-55194	32	11	scholink	scholink	PROPN
elp-55194	32	12	inc	inc	PROPN
elp-55194	32	13	.	.	PROPN
elp-55194	32	14	aml	aml	PROPN
elp-55194	32	15	as	as	ADP
elp-55194	32	16	a	a	DET
elp-55194	32	17	framework	framework	NOUN
elp-55194	32	18	by	by	ADP
elp-55194	32	19	increasing	increase	VERB
elp-55194	32	20	transparency	transparency	NOUN
elp-55194	32	21	requirements	requirement	NOUN
elp-55194	32	22	for	for	ADP
elp-55194	32	23	foreign	foreign	ADJ
elp-55194	32	24	companies	company	NOUN
elp-55194	32	25	investing	invest	VERB
elp-55194	32	26	in	in	ADP
elp-55194	32	27	uk	uk	PROPN
elp-55194	32	28	real	real	ADJ
elp-55194	32	29	estate	estate	NOUN
elp-55194	32	30	,	,	PUNCT
elp-55194	32	31	thereby	thereby	ADV
elp-55194	32	32	strengthening	strengthen	VERB
elp-55194	32	33	the	the	DET
elp-55194	32	34	government‟s	government‟s	ADJ
elp-55194	32	35	ability	ability	NOUN
elp-55194	32	36	to	to	PART
elp-55194	32	37	monitor	monitor	VERB
elp-55194	32	38	money	money	NOUN
elp-55194	32	39	laundering	laundering	NOUN
elp-55194	32	40	and	and	CCONJ
elp-55194	32	41	facilitate	facilitate	VERB
elp-55194	32	42	asset	asset	NOUN
elp-55194	32	43	recovery	recovery	NOUN
elp-55194	32	44	.	.	PUNCT
elp-55194	33	1	this	this	PRON
elp-55194	33	2	includes	include	VERB
elp-55194	33	3	mandatory	mandatory	ADJ
elp-55194	33	4	registration	registration	NOUN
elp-55194	33	5	and	and	CCONJ
elp-55194	33	6	disclosure	disclosure	NOUN
elp-55194	33	7	of	of	ADP
elp-55194	33	8	beneficial	beneficial	ADJ
elp-55194	33	9	ownership	ownership	NOUN
elp-55194	33	10	information	information	NOUN
elp-55194	33	11	,	,	PUNCT
elp-55194	33	12	which	which	PRON
elp-55194	33	13	enables	enable	VERB
elp-55194	33	14	authorities	authority	NOUN
elp-55194	33	15	to	to	PART
elp-55194	33	16	more	more	ADV
elp-55194	33	17	effectively	effectively	ADV
elp-55194	33	18	trace	trace	VERB
elp-55194	33	19	the	the	DET
elp-55194	33	20	source	source	NOUN
elp-55194	33	21	of	of	ADP
elp-55194	33	22	funds	fund	NOUN
elp-55194	33	23	used	use	VERB
elp-55194	33	24	in	in	ADP
elp-55194	33	25	real	real	ADJ
elp-55194	33	26	estate	estate	NOUN
elp-55194	33	27	transactions	transaction	NOUN
elp-55194	33	28	.	.	PUNCT
elp-55194	34	1	enhanced	enhance	VERB
elp-55194	34	2	access	access	NOUN
elp-55194	34	3	to	to	ADP
elp-55194	34	4	data	datum	NOUN
elp-55194	34	5	allows	allow	VERB
elp-55194	34	6	for	for	ADP
elp-55194	34	7	improved	improved	ADJ
elp-55194	34	8	risk	risk	NOUN
elp-55194	34	9	assessment	assessment	NOUN
elp-55194	34	10	,	,	PUNCT
elp-55194	34	11	improves	improve	VERB
elp-55194	34	12	investigative	investigative	ADJ
elp-55194	34	13	capacity	capacity	NOUN
elp-55194	34	14	and	and	CCONJ
elp-55194	34	15	ultimately	ultimately	ADV
elp-55194	34	16	helps	help	VERB
elp-55194	34	17	to	to	PART
elp-55194	34	18	identify	identify	VERB
elp-55194	34	19	and	and	CCONJ
elp-55194	34	20	recover	recover	VERB
elp-55194	34	21	illicit	illicit	ADJ
elp-55194	34	22	assets	asset	NOUN
elp-55194	34	23	.	.	PUNCT
elp-55194	35	1	while	while	SCONJ
elp-55194	35	2	the	the	DET
elp-55194	35	3	money	money	NOUN
elp-55194	35	4	laundering	launder	VERB
elp-55194	35	5	reporting	reporting	NOUN
elp-55194	35	6	officer	officer	NOUN
elp-55194	35	7	(	(	PUNCT
elp-55194	35	8	mlro	mlro	PROPN
elp-55194	35	9	)	)	PUNCT
elp-55194	35	10	plays	play	VERB
elp-55194	35	11	a	a	DET
elp-55194	35	12	crucial	crucial	ADJ
elp-55194	35	13	role	role	NOUN
elp-55194	35	14	in	in	ADP
elp-55194	35	15	monitoring	monitor	VERB
elp-55194	35	16	compliance	compliance	NOUN
elp-55194	35	17	within	within	ADP
elp-55194	35	18	financial	financial	ADJ
elp-55194	35	19	institutions	institution	NOUN
elp-55194	35	20	—	—	PUNCT
elp-55194	35	21	such	such	ADJ
elp-55194	35	22	as	as	ADP
elp-55194	35	23	banks	bank	NOUN
elp-55194	35	24	,	,	PUNCT
elp-55194	35	25	insurance	insurance	NOUN
elp-55194	35	26	companies	company	NOUN
elp-55194	35	27	,	,	PUNCT
elp-55194	35	28	investment	investment	NOUN
elp-55194	35	29	firms	firm	NOUN
elp-55194	35	30	,	,	PUNCT
elp-55194	35	31	casinos	casino	NOUN
elp-55194	35	32	,	,	PUNCT
elp-55194	35	33	and	and	CCONJ
elp-55194	35	34	high	high	ADJ
elp-55194	35	35	-	-	PUNCT
elp-55194	35	36	value	value	NOUN
elp-55194	35	37	dealers	dealer	NOUN
elp-55194	35	38	—	—	PUNCT
elp-55194	35	39	responsibility	responsibility	NOUN
elp-55194	35	40	for	for	ADP
elp-55194	35	41	oversight	oversight	NOUN
elp-55194	35	42	is	be	AUX
elp-55194	35	43	not	not	PART
elp-55194	35	44	limited	limit	VERB
elp-55194	35	45	to	to	ADP
elp-55194	35	46	the	the	DET
elp-55194	35	47	mlro	mlro	NOUN
elp-55194	35	48	alone	alone	ADV
elp-55194	35	49	.	.	PUNCT
elp-55194	36	1	other	other	ADJ
elp-55194	36	2	designated	designate	VERB
elp-55194	36	3	professionals	professional	NOUN
elp-55194	36	4	,	,	PUNCT
elp-55194	36	5	such	such	ADJ
elp-55194	36	6	as	as	ADP
elp-55194	36	7	money	money	NOUN
elp-55194	36	8	laundering	launder	VERB
elp-55194	36	9	compliance	compliance	NOUN
elp-55194	36	10	officers	officer	NOUN
elp-55194	36	11	(	(	PUNCT
elp-55194	36	12	mlcos	mlcos	PROPN
elp-55194	36	13	)	)	PUNCT
elp-55194	36	14	,	,	PUNCT
elp-55194	36	15	also	also	ADV
elp-55194	36	16	contribute	contribute	VERB
elp-55194	36	17	to	to	ADP
elp-55194	36	18	ensuring	ensure	VERB
elp-55194	36	19	adherence	adherence	NOUN
elp-55194	36	20	to	to	ADP
elp-55194	36	21	anti	anti	ADJ
elp-55194	36	22	-	-	ADJ
elp-55194	36	23	money	money	ADJ
elp-55194	36	24	laundering	laundering	NOUN
elp-55194	36	25	regulations	regulation	NOUN
elp-55194	36	26	.	.	PUNCT
elp-55194	37	1	these	these	DET
elp-55194	37	2	professionals	professional	NOUN
elp-55194	37	3	play	play	VERB
elp-55194	37	4	an	an	DET
elp-55194	37	5	important	important	ADJ
elp-55194	37	6	role	role	NOUN
elp-55194	37	7	in	in	ADP
elp-55194	37	8	complying	comply	VERB
elp-55194	37	9	with	with	ADP
elp-55194	37	10	anti	anti	ADJ
elp-55194	37	11	-	-	ADJ
elp-55194	37	12	money	money	ADJ
elp-55194	37	13	laundering	laundering	NOUN
elp-55194	37	14	regulations	regulation	NOUN
elp-55194	37	15	,	,	PUNCT
elp-55194	37	16	employing	employ	VERB
elp-55194	37	17	advanced	advanced	ADJ
elp-55194	37	18	technology	technology	NOUN
elp-55194	37	19	for	for	ADP
elp-55194	37	20	continuous	continuous	ADJ
elp-55194	37	21	monitoring	monitoring	NOUN
elp-55194	37	22	,	,	PUNCT
elp-55194	37	23	and	and	CCONJ
elp-55194	37	24	ensuring	ensure	VERB
elp-55194	37	25	that	that	SCONJ
elp-55194	37	26	all	all	DET
elp-55194	37	27	employees	employee	NOUN
elp-55194	37	28	are	be	AUX
elp-55194	37	29	trained	train	VERB
elp-55194	37	30	in	in	ADP
elp-55194	37	31	the	the	DET
elp-55194	37	32	latest	late	ADJ
elp-55194	37	33	anti	anti	ADJ
elp-55194	37	34	-	-	ADJ
elp-55194	37	35	money	money	ADJ
elp-55194	37	36	laundering	laundering	NOUN
elp-55194	37	37	practices	practice	NOUN
elp-55194	37	38	to	to	PART
elp-55194	37	39	combat	combat	VERB
elp-55194	37	40	evolving	evolve	VERB
elp-55194	37	41	criminal	criminal	ADJ
elp-55194	37	42	tactics	tactic	NOUN
elp-55194	37	43	.	.	PUNCT
elp-55194	38	1	in	in	ADP
elp-55194	38	2	addition	addition	NOUN
elp-55194	38	3	,	,	PUNCT
elp-55194	38	4	they	they	PRON
elp-55194	38	5	are	be	AUX
elp-55194	38	6	responsible	responsible	ADJ
elp-55194	38	7	for	for	ADP
elp-55194	38	8	the	the	DET
elp-55194	38	9	critical	critical	ADJ
elp-55194	38	10	task	task	NOUN
elp-55194	38	11	of	of	ADP
elp-55194	38	12	generating	generating	NOUN
elp-55194	38	13	and	and	CCONJ
elp-55194	38	14	filing	file	VERB
elp-55194	38	15	suspicious	suspicious	ADJ
elp-55194	38	16	activity	activity	NOUN
elp-55194	38	17	reports	report	NOUN
elp-55194	38	18	(	(	PUNCT
elp-55194	38	19	sars	sar	NOUN
elp-55194	38	20	)	)	PUNCT
elp-55194	38	21	with	with	ADP
elp-55194	38	22	the	the	DET
elp-55194	38	23	national	national	PROPN
elp-55194	38	24	crime	crime	PROPN
elp-55194	38	25	agency	agency	PROPN
elp-55194	38	26	(	(	PUNCT
elp-55194	38	27	nca	nca	PROPN
elp-55194	38	28	)	)	PUNCT
elp-55194	38	29	whenever	whenever	SCONJ
elp-55194	38	30	signs	sign	NOUN
elp-55194	38	31	of	of	ADP
elp-55194	38	32	potential	potential	ADJ
elp-55194	38	33	money	money	NOUN
elp-55194	38	34	laundering	laundering	NOUN
elp-55194	38	35	are	be	AUX
elp-55194	38	36	detected	detect	VERB
elp-55194	38	37	.	.	PUNCT
elp-55194	39	1	despite	despite	SCONJ
elp-55194	39	2	the	the	DET
elp-55194	39	3	fact	fact	NOUN
elp-55194	39	4	that	that	SCONJ
elp-55194	39	5	the	the	DET
elp-55194	39	6	uk‟s	uk‟s	PROPN
elp-55194	39	7	anti	anti	ADJ
elp-55194	39	8	-	-	ADJ
elp-55194	39	9	money	money	ADJ
elp-55194	39	10	laundering	laundering	NOUN
elp-55194	39	11	system	system	NOUN
elp-55194	39	12	is	be	AUX
elp-55194	39	13	fairly	fairly	ADV
elp-55194	39	14	well	well	ADV
elp-55194	39	15	developed	develop	VERB
elp-55194	39	16	,	,	PUNCT
elp-55194	39	17	it	it	PRON
elp-55194	39	18	still	still	ADV
elp-55194	39	19	suffers	suffer	VERB
elp-55194	39	20	from	from	ADP
elp-55194	39	21	a	a	DET
elp-55194	39	22	certain	certain	ADJ
elp-55194	39	23	range	range	NOUN
elp-55194	39	24	of	of	ADP
elp-55194	39	25	challenges	challenge	NOUN
elp-55194	39	26	.	.	PUNCT
elp-55194	40	1	2.1	2.1	NUM
elp-55194	40	2	excessive	excessive	ADJ
elp-55194	40	3	consumption	consumption	NOUN
elp-55194	40	4	of	of	ADP
elp-55194	40	5	labour	labour	NOUN
elp-55194	40	6	costs	cost	NOUN
elp-55194	40	7	with	with	ADP
elp-55194	40	8	the	the	DET
elp-55194	40	9	digitalization	digitalization	NOUN
elp-55194	40	10	of	of	ADP
elp-55194	40	11	finance	finance	NOUN
elp-55194	40	12	,	,	PUNCT
elp-55194	40	13	the	the	DET
elp-55194	40	14	internationalization	internationalization	NOUN
elp-55194	40	15	of	of	ADP
elp-55194	40	16	the	the	DET
elp-55194	40	17	modern	modern	ADJ
elp-55194	40	18	financial	financial	ADJ
elp-55194	40	19	system	system	NOUN
elp-55194	40	20	requires	require	VERB
elp-55194	40	21	the	the	DET
elp-55194	40	22	implementation	implementation	NOUN
elp-55194	40	23	of	of	ADP
elp-55194	40	24	anti	anti	ADJ
elp-55194	40	25	-	-	ADJ
elp-55194	40	26	money	money	ADJ
elp-55194	40	27	laundering	laundering	NOUN
elp-55194	40	28	(	(	PUNCT
elp-55194	40	29	aml	aml	NOUN
elp-55194	40	30	)	)	PUNCT
elp-55194	40	31	compliance	compliance	NOUN
elp-55194	40	32	measures	measure	NOUN
elp-55194	40	33	globally	globally	ADV
elp-55194	40	34	,	,	PUNCT
elp-55194	40	35	which	which	PRON
elp-55194	40	36	increases	increase	VERB
elp-55194	40	37	the	the	DET
elp-55194	40	38	workload	workload	NOUN
elp-55194	40	39	of	of	ADP
elp-55194	40	40	customer	customer	NOUN
elp-55194	40	41	due	due	ADJ
elp-55194	40	42	diligence	diligence	NOUN
elp-55194	40	43	(	(	PUNCT
elp-55194	40	44	cdd	cdd	PROPN
elp-55194	40	45	)	)	PUNCT
elp-55194	40	46	.	.	PUNCT
elp-55194	41	1	the	the	DET
elp-55194	41	2	requirement	requirement	NOUN
elp-55194	41	3	for	for	SCONJ
elp-55194	41	4	cdd	cdd	PROPN
elp-55194	41	5	to	to	PART
elp-55194	41	6	carry	carry	VERB
elp-55194	41	7	out	out	ADP
elp-55194	41	8	detailed	detailed	ADJ
elp-55194	41	9	background	background	NOUN
elp-55194	41	10	checks	check	NOUN
elp-55194	41	11	on	on	ADP
elp-55194	41	12	new	new	ADJ
elp-55194	41	13	versus	versus	ADP
elp-55194	41	14	existing	exist	VERB
elp-55194	41	15	customers	customer	NOUN
elp-55194	41	16	requires	require	VERB
elp-55194	41	17	financial	financial	ADJ
elp-55194	41	18	institutions	institution	NOUN
elp-55194	41	19	to	to	PART
elp-55194	41	20	have	have	VERB
elp-55194	41	21	a	a	DET
elp-55194	41	22	certain	certain	ADJ
elp-55194	41	23	level	level	NOUN
elp-55194	41	24	of	of	ADP
elp-55194	41	25	competence	competence	NOUN
elp-55194	41	26	in	in	ADP
elp-55194	41	27	terms	term	NOUN
elp-55194	41	28	of	of	ADP
elp-55194	41	29	financial	financial	ADJ
elp-55194	41	30	and	and	CCONJ
elp-55194	41	31	human	human	ADJ
elp-55194	41	32	resources	resource	NOUN
elp-55194	41	33	.	.	PUNCT
elp-55194	42	1	to	to	PART
elp-55194	42	2	comply	comply	VERB
elp-55194	42	3	with	with	ADP
elp-55194	42	4	cdd	cdd	PROPN
elp-55194	42	5	regulations	regulation	NOUN
elp-55194	42	6	effectively	effectively	ADV
elp-55194	42	7	,	,	PUNCT
elp-55194	42	8	financial	financial	ADJ
elp-55194	42	9	institutions	institution	NOUN
elp-55194	42	10	must	must	AUX
elp-55194	42	11	invest	invest	VERB
elp-55194	42	12	in	in	ADP
elp-55194	42	13	robust	robust	ADJ
elp-55194	42	14	systems	system	NOUN
elp-55194	42	15	and	and	CCONJ
elp-55194	42	16	processes	process	NOUN
elp-55194	42	17	that	that	PRON
elp-55194	42	18	enable	enable	VERB
elp-55194	42	19	comprehensive	comprehensive	ADJ
elp-55194	42	20	customer	customer	NOUN
elp-55194	42	21	assessments	assessment	NOUN
elp-55194	42	22	.	.	PUNCT
elp-55194	43	1	this	this	PRON
elp-55194	43	2	includes	include	VERB
elp-55194	43	3	implementing	implement	VERB
elp-55194	43	4	advanced	advanced	ADJ
elp-55194	43	5	technology	technology	NOUN
elp-55194	43	6	solutions	solution	NOUN
elp-55194	43	7	for	for	ADP
elp-55194	43	8	data	data	NOUN
elp-55194	43	9	analytics	analytic	NOUN
elp-55194	43	10	,	,	PUNCT
elp-55194	43	11	transaction	transaction	NOUN
elp-55194	43	12	monitoring	monitoring	NOUN
elp-55194	43	13	,	,	PUNCT
elp-55194	43	14	and	and	CCONJ
elp-55194	43	15	risk	risk	NOUN
elp-55194	43	16	profiling	profiling	NOUN
elp-55194	43	17	,	,	PUNCT
elp-55194	43	18	which	which	PRON
elp-55194	43	19	require	require	VERB
elp-55194	43	20	significant	significant	ADJ
elp-55194	43	21	financial	financial	ADJ
elp-55194	43	22	resources	resource	NOUN
elp-55194	43	23	.	.	PUNCT
elp-55194	44	1	furthermore	furthermore	ADV
elp-55194	44	2	,	,	PUNCT
elp-55194	44	3	institutions	institution	NOUN
elp-55194	44	4	need	need	VERB
elp-55194	44	5	to	to	PART
elp-55194	44	6	ensure	ensure	VERB
elp-55194	44	7	they	they	PRON
elp-55194	44	8	have	have	VERB
elp-55194	44	9	adequately	adequately	ADV
elp-55194	44	10	trained	train	VERB
elp-55194	44	11	staff	staff	NOUN
elp-55194	44	12	capable	capable	ADJ
elp-55194	44	13	of	of	ADP
elp-55194	44	14	interpreting	interpret	VERB
elp-55194	44	15	complex	complex	ADJ
elp-55194	44	16	regulatory	regulatory	ADJ
elp-55194	44	17	requirements	requirement	NOUN
elp-55194	44	18	and	and	CCONJ
elp-55194	44	19	analyzing	analyze	VERB
elp-55194	44	20	customer	customer	NOUN
elp-55194	44	21	data	datum	NOUN
elp-55194	44	22	accurately	accurately	ADV
elp-55194	44	23	.	.	PUNCT
elp-55194	45	1	in	in	ADP
elp-55194	45	2	addition	addition	NOUN
elp-55194	45	3	,	,	PUNCT
elp-55194	45	4	human	human	ADJ
elp-55194	45	5	resources	resource	NOUN
elp-55194	45	6	are	be	AUX
elp-55194	45	7	critical	critical	ADJ
elp-55194	45	8	in	in	ADP
elp-55194	45	9	establishing	establish	VERB
elp-55194	45	10	a	a	DET
elp-55194	45	11	culture	culture	NOUN
elp-55194	45	12	of	of	ADP
elp-55194	45	13	compliance	compliance	NOUN
elp-55194	45	14	within	within	ADP
elp-55194	45	15	the	the	DET
elp-55194	45	16	organization	organization	NOUN
elp-55194	45	17	.	.	PUNCT
elp-55194	46	1	this	this	PRON
elp-55194	46	2	involves	involve	VERB
elp-55194	46	3	not	not	PART
elp-55194	46	4	only	only	ADV
elp-55194	46	5	hiring	hire	VERB
elp-55194	46	6	specialized	specialized	ADJ
elp-55194	46	7	personnel	personnel	NOUN
elp-55194	46	8	,	,	PUNCT
elp-55194	46	9	such	such	ADJ
elp-55194	46	10	as	as	ADP
elp-55194	46	11	compliance	compliance	NOUN
elp-55194	46	12	officers	officer	NOUN
elp-55194	46	13	and	and	CCONJ
elp-55194	46	14	risk	risk	NOUN
elp-55194	46	15	analysts	analyst	NOUN
elp-55194	46	16	,	,	PUNCT
elp-55194	46	17	but	but	CCONJ
elp-55194	46	18	also	also	ADV
elp-55194	46	19	providing	provide	VERB
elp-55194	46	20	ongoing	ongoing	ADJ
elp-55194	46	21	training	training	NOUN
elp-55194	46	22	and	and	CCONJ
elp-55194	46	23	professional	professional	ADJ
elp-55194	46	24	development	development	NOUN
elp-55194	46	25	to	to	PART
elp-55194	46	26	enhance	enhance	VERB
elp-55194	46	27	the	the	DET
elp-55194	46	28	skills	skill	NOUN
elp-55194	46	29	of	of	ADP
elp-55194	46	30	existing	exist	VERB
elp-55194	46	31	employees	employee	NOUN
elp-55194	46	32	.	.	PUNCT
elp-55194	47	1	such	such	ADJ
elp-55194	47	2	training	training	NOUN
elp-55194	47	3	programs	program	NOUN
elp-55194	47	4	should	should	AUX
elp-55194	47	5	focus	focus	VERB
elp-55194	47	6	on	on	ADP
elp-55194	47	7	the	the	DET
elp-55194	47	8	latest	late	ADJ
elp-55194	47	9	trends	trend	NOUN
elp-55194	47	10	in	in	ADP
elp-55194	47	11	financial	financial	ADJ
elp-55194	47	12	crime	crime	NOUN
elp-55194	47	13	,	,	PUNCT
elp-55194	47	14	evolving	evolve	VERB
elp-55194	47	15	regulatory	regulatory	ADJ
elp-55194	47	16	expectations	expectation	NOUN
elp-55194	47	17	,	,	PUNCT
elp-55194	47	18	and	and	CCONJ
elp-55194	47	19	best	good	ADJ
elp-55194	47	20	practices	practice	NOUN
elp-55194	47	21	for	for	ADP
elp-55194	47	22	conducting	conduct	VERB
elp-55194	47	23	due	due	ADJ
elp-55194	47	24	diligence	diligence	NOUN
elp-55194	47	25	.	.	PUNCT
elp-55194	48	1	moreover	moreover	ADV
elp-55194	48	2	,	,	PUNCT
elp-55194	48	3	the	the	DET
elp-55194	48	4	cdd	cdd	PROPN
elp-55194	48	5	process	process	NOUN
elp-55194	48	6	demands	demand	VERB
elp-55194	48	7	that	that	SCONJ
elp-55194	48	8	financial	financial	ADJ
elp-55194	48	9	institutions	institution	NOUN
elp-55194	48	10	maintain	maintain	VERB
elp-55194	48	11	detailed	detailed	ADJ
elp-55194	48	12	records	record	NOUN
elp-55194	48	13	of	of	ADP
elp-55194	48	14	customer	customer	NOUN
elp-55194	48	15	information	information	NOUN
elp-55194	48	16	and	and	CCONJ
elp-55194	48	17	transaction	transaction	NOUN
elp-55194	48	18	histories	history	NOUN
elp-55194	48	19	.	.	PUNCT
elp-55194	49	1	this	this	PRON
elp-55194	49	2	necessitates	necessitate	VERB
elp-55194	49	3	a	a	DET
elp-55194	49	4	well	well	ADV
elp-55194	49	5	-	-	PUNCT
elp-55194	49	6	organized	organize	VERB
elp-55194	49	7	infrastructure	infrastructure	NOUN
elp-55194	49	8	for	for	ADP
elp-55194	49	9	data	data	NOUN
elp-55194	49	10	management	management	NOUN
elp-55194	49	11	,	,	PUNCT
elp-55194	49	12	ensuring	ensure	VERB
elp-55194	49	13	that	that	SCONJ
elp-55194	49	14	staff	staff	NOUN
elp-55194	49	15	can	can	AUX
elp-55194	49	16	efficiently	efficiently	ADV
elp-55194	49	17	access	access	VERB
elp-55194	49	18	and	and	CCONJ
elp-55194	49	19	analyze	analyze	VERB
elp-55194	49	20	relevant	relevant	ADJ
elp-55194	49	21	information	information	NOUN
elp-55194	49	22	.	.	PUNCT
elp-55194	50	1	even	even	ADV
elp-55194	50	2	many	many	ADJ
elp-55194	50	3	organizations	organization	NOUN
elp-55194	50	4	have	have	AUX
elp-55194	50	5	had	have	VERB
elp-55194	50	6	to	to	PART
elp-55194	50	7	expand	expand	VERB
elp-55194	50	8	their	their	PRON
elp-55194	50	9	compliance	compliance	NOUN
elp-55194	50	10	departments	department	NOUN
elp-55194	50	11	to	to	PART
elp-55194	50	12	cope	cope	VERB
elp-55194	50	13	with	with	ADP
elp-55194	50	14	the	the	DET
elp-55194	50	15	workload	workload	NOUN
elp-55194	50	16	created	create	VERB
elp-55194	50	17	by	by	ADP
elp-55194	50	18	www.scholink.org/ojs/index.php/elp	www.scholink.org/ojs/index.php/elp	NOUN
elp-55194	50	19	economics	economic	NOUN
elp-55194	50	20	,	,	PUNCT
elp-55194	50	21	law	law	NOUN
elp-55194	50	22	and	and	CCONJ
elp-55194	50	23	policy	policy	NOUN
elp-55194	50	24	vol	vol	NOUN
elp-55194	50	25	.	.	PUNCT
elp-55194	51	1	7	7	NUM
elp-55194	51	2	,	,	PUNCT
elp-55194	51	3	no	no	INTJ
elp-55194	51	4	.	.	NOUN
elp-55194	51	5	3	3	NUM
elp-55194	51	6	,	,	PUNCT
elp-55194	51	7	2024	2024	NUM
elp-55194	51	8	46	46	NUM
elp-55194	51	9	published	publish	VERB
elp-55194	51	10	by	by	ADP
elp-55194	51	11	scholink	scholink	PROPN
elp-55194	51	12	inc	inc	PROPN
elp-55194	51	13	.	.	PROPN
elp-55194	52	1	more	more	ADV
elp-55194	52	2	comprehensive	comprehensive	ADJ
elp-55194	52	3	aml	aml	NOUN
elp-55194	52	4	obligations	obligation	NOUN
elp-55194	52	5	.	.	PUNCT
elp-55194	53	1	but	but	CCONJ
elp-55194	53	2	this	this	DET
elp-55194	53	3	constant	constant	ADJ
elp-55194	53	4	training	training	NOUN
elp-55194	53	5	is	be	AUX
elp-55194	53	6	also	also	ADV
elp-55194	53	7	a	a	DET
elp-55194	53	8	recurring	recur	VERB
elp-55194	53	9	cost	cost	NOUN
elp-55194	53	10	for	for	ADP
elp-55194	53	11	organizations	organization	NOUN
elp-55194	53	12	.	.	PUNCT
elp-55194	54	1	the	the	DET
elp-55194	54	2	national	national	PROPN
elp-55194	54	3	crime	crime	PROPN
elp-55194	54	4	agency	agency	PROPN
elp-55194	54	5	(	(	PUNCT
elp-55194	54	6	nca	nca	NOUN
elp-55194	54	7	)	)	PUNCT
elp-55194	54	8	estimates	estimate	VERB
elp-55194	54	9	the	the	DET
elp-55194	54	10	cost	cost	NOUN
elp-55194	54	11	of	of	ADP
elp-55194	54	12	money	money	NOUN
elp-55194	54	13	laundering	laundering	NOUN
elp-55194	54	14	to	to	ADP
elp-55194	54	15	the	the	DET
elp-55194	54	16	uk	uk	PROPN
elp-55194	54	17	economy	economy	NOUN
elp-55194	54	18	to	to	PART
elp-55194	54	19	be	be	AUX
elp-55194	54	20	in	in	ADP
elp-55194	54	21	the	the	DET
elp-55194	54	22	hundreds	hundred	NOUN
elp-55194	54	23	of	of	ADP
elp-55194	54	24	billion	billion	NUM
elp-55194	54	25	pounds	pound	NOUN
elp-55194	54	26	a	a	DET
elp-55194	54	27	year	year	NOUN
elp-55194	54	28	(	(	PUNCT
elp-55194	54	29	note	note	NOUN
elp-55194	54	30	6	6	NUM
elp-55194	54	31	)	)	PUNCT
elp-55194	54	32	.	.	PUNCT
elp-55194	55	1	in	in	ADP
elp-55194	55	2	the	the	DET
elp-55194	55	3	true	true	ADJ
elp-55194	55	4	cost	cost	NOUN
elp-55194	55	5	of	of	ADP
elp-55194	55	6	compliance	compliance	NOUN
elp-55194	55	7	2023	2023	NUM
elp-55194	55	8	report	report	NOUN
elp-55194	55	9	published	publish	VERB
elp-55194	55	10	by	by	ADP
elp-55194	55	11	lexisnexis	lexisnexis	PROPN
elp-55194	55	12	,	,	PUNCT
elp-55194	55	13	it	it	PRON
elp-55194	55	14	was	be	AUX
elp-55194	55	15	revealed	reveal	VERB
elp-55194	55	16	that	that	SCONJ
elp-55194	55	17	customer	customer	NOUN
elp-55194	55	18	due	due	ADJ
elp-55194	55	19	diligence	diligence	NOUN
elp-55194	55	20	(	(	PUNCT
elp-55194	55	21	cdd	cdd	PROPN
elp-55194	55	22	)	)	PUNCT
elp-55194	55	23	processes	process	NOUN
elp-55194	55	24	remain	remain	VERB
elp-55194	55	25	by	by	ADP
elp-55194	55	26	far	far	ADV
elp-55194	55	27	the	the	DET
elp-55194	55	28	largest	large	ADJ
elp-55194	55	29	single	single	ADJ
elp-55194	55	30	operational	operational	ADJ
elp-55194	55	31	cost	cost	NOUN
elp-55194	55	32	,	,	PUNCT
elp-55194	55	33	representing	represent	VERB
elp-55194	55	34	two	two	NUM
elp-55194	55	35	-	-	PUNCT
elp-55194	55	36	thirds	third	NOUN
elp-55194	55	37	(	(	PUNCT
elp-55194	55	38	67	67	NUM
elp-55194	55	39	per	per	ADP
elp-55194	55	40	cent	cent	NOUN
elp-55194	55	41	)	)	PUNCT
elp-55194	55	42	of	of	ADP
elp-55194	55	43	total	total	ADJ
elp-55194	55	44	financial	financial	ADJ
elp-55194	55	45	crime	crime	NOUN
elp-55194	55	46	compliance	compliance	NOUN
elp-55194	55	47	costs	cost	NOUN
elp-55194	55	48	in	in	ADP
elp-55194	55	49	2022	2022	NUM
elp-55194	55	50	,	,	PUNCT
elp-55194	55	51	an	an	DET
elp-55194	55	52	increase	increase	NOUN
elp-55194	55	53	from	from	ADP
elp-55194	55	54	53	53	NUM
elp-55194	55	55	per	per	NOUN
elp-55194	55	56	cent	cent	NOUN
elp-55194	55	57	in	in	ADP
elp-55194	55	58	2020	2020	NUM
elp-55194	55	59	(	(	PUNCT
elp-55194	55	60	note	note	NOUN
elp-55194	55	61	7	7	NUM
elp-55194	55	62	)	)	PUNCT
elp-55194	55	63	.	.	PUNCT
elp-55194	56	1	the	the	DET
elp-55194	56	2	largest	large	ADJ
elp-55194	56	3	share	share	NOUN
elp-55194	56	4	of	of	ADP
elp-55194	56	5	cdd	cdd	PROPN
elp-55194	56	6	spend	spend	NOUN
elp-55194	56	7	is	be	AUX
elp-55194	56	8	represented	represent	VERB
elp-55194	56	9	by	by	ADP
elp-55194	56	10	know	know	VERB
elp-55194	56	11	your	your	PRON
elp-55194	56	12	customer	customer	NOUN
elp-55194	56	13	(	(	PUNCT
elp-55194	56	14	kyc	kyc	PROPN
elp-55194	56	15	)	)	PUNCT
elp-55194	56	16	onboarding	onboarding	NOUN
elp-55194	56	17	checks	check	NOUN
elp-55194	56	18	,	,	PUNCT
elp-55194	56	19	accounting	account	VERB
elp-55194	56	20	for	for	ADP
elp-55194	56	21	just	just	ADV
elp-55194	56	22	a	a	DET
elp-55194	56	23	third	third	NOUN
elp-55194	56	24	of	of	ADP
elp-55194	56	25	overall	overall	ADJ
elp-55194	56	26	cdd	cdd	PROPN
elp-55194	56	27	costs	cost	NOUN
elp-55194	56	28	.	.	PUNCT
elp-55194	57	1	identity	identity	NOUN
elp-55194	57	2	verification	verification	NOUN
elp-55194	57	3	costs	cost	NOUN
elp-55194	57	4	are	be	AUX
elp-55194	57	5	also	also	ADV
elp-55194	57	6	rising	rise	VERB
elp-55194	57	7	rapidly	rapidly	ADV
elp-55194	57	8	,	,	PUNCT
elp-55194	57	9	partly	partly	ADV
elp-55194	57	10	as	as	ADP
elp-55194	57	11	a	a	DET
elp-55194	57	12	result	result	NOUN
elp-55194	57	13	of	of	ADP
elp-55194	57	14	increasing	increase	VERB
elp-55194	57	15	customer	customer	NOUN
elp-55194	57	16	volumes	volume	NOUN
elp-55194	57	17	and	and	CCONJ
elp-55194	57	18	more	more	ADJ
elp-55194	57	19	consumers	consumer	NOUN
elp-55194	57	20	demanding	demand	VERB
elp-55194	57	21	a	a	DET
elp-55194	57	22	fast	fast	ADJ
elp-55194	57	23	,	,	PUNCT
elp-55194	57	24	seamless	seamless	ADJ
elp-55194	57	25	onboarding	onboarding	NOUN
elp-55194	57	26	experience	experience	NOUN
elp-55194	57	27	,	,	PUNCT
elp-55194	57	28	and	and	CCONJ
elp-55194	57	29	partly	partly	ADV
elp-55194	57	30	as	as	SCONJ
elp-55194	57	31	firms	firm	NOUN
elp-55194	57	32	work	work	VERB
elp-55194	57	33	to	to	PART
elp-55194	57	34	improve	improve	VERB
elp-55194	57	35	their	their	PRON
elp-55194	57	36	digital	digital	ADJ
elp-55194	57	37	and	and	CCONJ
elp-55194	57	38	remote	remote	ADJ
elp-55194	57	39	onboarding	onboarding	NOUN
elp-55194	57	40	solutions	solution	NOUN
elp-55194	57	41	.	.	PUNCT
elp-55194	58	1	the	the	DET
elp-55194	58	2	report	report	NOUN
elp-55194	58	3	indicates	indicate	VERB
elp-55194	58	4	that	that	SCONJ
elp-55194	58	5	60	60	NUM
elp-55194	58	6	per	per	ADP
elp-55194	58	7	cent	cent	NOUN
elp-55194	58	8	of	of	ADP
elp-55194	58	9	aml	aml	NOUN
elp-55194	58	10	costs	cost	NOUN
elp-55194	58	11	are	be	AUX
elp-55194	58	12	spent	spend	VERB
elp-55194	58	13	primarily	primarily	ADV
elp-55194	58	14	on	on	ADP
elp-55194	58	15	personnel	personnel	NOUN
elp-55194	58	16	and	and	CCONJ
elp-55194	58	17	training	training	NOUN
elp-55194	58	18	,	,	PUNCT
elp-55194	58	19	with	with	ADP
elp-55194	58	20	only	only	ADV
elp-55194	58	21	30	30	NUM
elp-55194	58	22	per	per	NOUN
elp-55194	58	23	cent	cent	NOUN
elp-55194	58	24	invested	invest	VERB
elp-55194	58	25	in	in	ADP
elp-55194	58	26	technology	technology	NOUN
elp-55194	58	27	.	.	PUNCT
elp-55194	59	1	and	and	CCONJ
elp-55194	59	2	compliance	compliance	NOUN
elp-55194	59	3	costs	cost	NOUN
elp-55194	59	4	will	will	AUX
elp-55194	59	5	continue	continue	VERB
elp-55194	59	6	to	to	PART
elp-55194	59	7	increase	increase	VERB
elp-55194	59	8	over	over	ADP
elp-55194	59	9	the	the	DET
elp-55194	59	10	next	next	ADJ
elp-55194	59	11	three	three	NUM
elp-55194	59	12	years	year	NOUN
elp-55194	59	13	,	,	PUNCT
elp-55194	59	14	with	with	ADP
elp-55194	59	15	staffing	staffing	NOUN
elp-55194	59	16	costs	cost	NOUN
elp-55194	59	17	growing	grow	VERB
elp-55194	59	18	slightly	slightly	ADV
elp-55194	59	19	faster	fast	ADJ
elp-55194	59	20	than	than	ADP
elp-55194	59	21	technology	technology	NOUN
elp-55194	59	22	costs	cost	NOUN
elp-55194	59	23	.	.	PUNCT
elp-55194	60	1	however	however	ADV
elp-55194	60	2	,	,	PUNCT
elp-55194	60	3	observing	observe	VERB
elp-55194	60	4	the	the	DET
elp-55194	60	5	matter	matter	NOUN
elp-55194	60	6	through	through	ADP
elp-55194	60	7	the	the	DET
elp-55194	60	8	economics	economics	NOUN
elp-55194	60	9	lens	lens	NOUN
elp-55194	60	10	again	again	ADV
elp-55194	60	11	,	,	PUNCT
elp-55194	60	12	these	these	DET
elp-55194	60	13	compliance	compliance	NOUN
elp-55194	60	14	costs	cost	NOUN
elp-55194	60	15	have	have	VERB
elp-55194	60	16	to	to	PART
elp-55194	60	17	be	be	AUX
elp-55194	60	18	somehow	somehow	ADV
elp-55194	60	19	recovered	recover	VERB
elp-55194	60	20	(	(	PUNCT
elp-55194	60	21	note	note	NOUN
elp-55194	60	22	8)	8)	NUM
elp-55194	60	23	.	.	PUNCT
elp-55194	61	1	therefore	therefore	ADV
elp-55194	61	2	,	,	PUNCT
elp-55194	61	3	it	it	PRON
elp-55194	61	4	is	be	AUX
elp-55194	61	5	not	not	PART
elp-55194	61	6	difficult	difficult	ADJ
elp-55194	61	7	to	to	PART
elp-55194	61	8	conclude	conclude	VERB
elp-55194	61	9	that	that	SCONJ
elp-55194	61	10	these	these	DET
elp-55194	61	11	costs	cost	NOUN
elp-55194	61	12	will	will	AUX
elp-55194	61	13	be	be	AUX
elp-55194	61	14	ultimately	ultimately	ADV
elp-55194	61	15	passed	pass	VERB
elp-55194	61	16	to	to	PART
elp-55194	61	17	end	end	VERB
elp-55194	61	18	user	user	NOUN
elp-55194	61	19	,	,	PUNCT
elp-55194	61	20	the	the	DET
elp-55194	61	21	customer	customer	NOUN
elp-55194	61	22	.	.	PUNCT
elp-55194	62	1	for	for	ADP
elp-55194	62	2	example	example	NOUN
elp-55194	62	3	,	,	PUNCT
elp-55194	62	4	the	the	DET
elp-55194	62	5	transaction	transaction	NOUN
elp-55194	62	6	fees	fee	NOUN
elp-55194	62	7	charged	charge	VERB
elp-55194	62	8	by	by	ADP
elp-55194	62	9	banks	bank	NOUN
elp-55194	62	10	to	to	ADP
elp-55194	62	11	asset	asset	NOUN
elp-55194	62	12	managers	manager	NOUN
elp-55194	62	13	and	and	CCONJ
elp-55194	62	14	the	the	DET
elp-55194	62	15	costs	cost	NOUN
elp-55194	62	16	of	of	ADP
elp-55194	62	17	analysts‟	analysts‟	ADJ
elp-55194	62	18	research	research	NOUN
elp-55194	62	19	reports	report	NOUN
elp-55194	62	20	are	be	AUX
elp-55194	62	21	ultimately	ultimately	ADV
elp-55194	62	22	passed	pass	VERB
elp-55194	62	23	on	on	ADP
elp-55194	62	24	to	to	ADP
elp-55194	62	25	the	the	DET
elp-55194	62	26	clients	client	NOUN
elp-55194	62	27	of	of	ADP
elp-55194	62	28	asset	asset	NOUN
elp-55194	62	29	managers	manager	NOUN
elp-55194	62	30	.	.	PUNCT
elp-55194	63	1	hence	hence	ADV
elp-55194	63	2	,	,	PUNCT
elp-55194	63	3	higher	high	ADJ
elp-55194	63	4	costs	cost	NOUN
elp-55194	63	5	may	may	AUX
elp-55194	63	6	discourage	discourage	VERB
elp-55194	63	7	customers	customer	NOUN
elp-55194	63	8	from	from	ADP
elp-55194	63	9	taking	take	VERB
elp-55194	63	10	full	full	ADJ
elp-55194	63	11	advantage	advantage	NOUN
elp-55194	63	12	of	of	ADP
elp-55194	63	13	banking	banking	NOUN
elp-55194	63	14	services	service	NOUN
elp-55194	63	15	,	,	PUNCT
elp-55194	63	16	thereby	thereby	ADV
elp-55194	63	17	reducing	reduce	VERB
elp-55194	63	18	the	the	DET
elp-55194	63	19	overall	overall	ADJ
elp-55194	63	20	liquidity	liquidity	NOUN
elp-55194	63	21	of	of	ADP
elp-55194	63	22	the	the	DET
elp-55194	63	23	financial	financial	ADJ
elp-55194	63	24	system	system	NOUN
elp-55194	63	25	.	.	PUNCT
elp-55194	64	1	and	and	CCONJ
elp-55194	64	2	in	in	ADP
elp-55194	64	3	order	order	NOUN
elp-55194	64	4	to	to	PART
elp-55194	64	5	avoid	avoid	VERB
elp-55194	64	6	the	the	DET
elp-55194	64	7	higher	high	ADJ
elp-55194	64	8	costs	cost	NOUN
elp-55194	64	9	associated	associate	VERB
elp-55194	64	10	with	with	ADP
elp-55194	64	11	formal	formal	ADJ
elp-55194	64	12	financial	financial	ADJ
elp-55194	64	13	channels	channel	NOUN
elp-55194	64	14	,	,	PUNCT
elp-55194	64	15	individuals	individual	NOUN
elp-55194	64	16	and	and	CCONJ
elp-55194	64	17	businesses	business	NOUN
elp-55194	64	18	may	may	AUX
elp-55194	64	19	choose	choose	VERB
elp-55194	64	20	to	to	PART
elp-55194	64	21	underreport	underreport	VERB
elp-55194	64	22	or	or	CCONJ
elp-55194	64	23	not	not	PART
elp-55194	64	24	disclose	disclose	VERB
elp-55194	64	25	their	their	PRON
elp-55194	64	26	income	income	NOUN
elp-55194	64	27	or	or	CCONJ
elp-55194	64	28	transactions	transaction	NOUN
elp-55194	64	29	,	,	PUNCT
elp-55194	64	30	leading	lead	VERB
elp-55194	64	31	to	to	ADP
elp-55194	64	32	increased	increase	VERB
elp-55194	64	33	shadow	shadow	NOUN
elp-55194	64	34	economy	economy	NOUN
elp-55194	64	35	activity	activity	NOUN
elp-55194	64	36	.	.	PUNCT
elp-55194	65	1	it	it	PRON
elp-55194	65	2	can	can	AUX
elp-55194	65	3	further	far	ADV
elp-55194	65	4	contribute	contribute	VERB
elp-55194	65	5	to	to	ADP
elp-55194	65	6	an	an	DET
elp-55194	65	7	increase	increase	NOUN
elp-55194	65	8	in	in	ADP
elp-55194	65	9	the	the	DET
elp-55194	65	10	rate	rate	NOUN
elp-55194	65	11	of	of	ADP
elp-55194	65	12	financial	financial	ADJ
elp-55194	65	13	crime	crime	NOUN
elp-55194	65	14	.	.	PUNCT
elp-55194	66	1	2.2	2.2	NUM
elp-55194	66	2	the	the	DET
elp-55194	66	3	increasing	increase	VERB
elp-55194	66	4	levels	level	NOUN
elp-55194	66	5	of	of	ADP
elp-55194	66	6	crime	crime	NOUN
elp-55194	66	7	while	while	SCONJ
elp-55194	66	8	the	the	DET
elp-55194	66	9	cost	cost	NOUN
elp-55194	66	10	of	of	ADP
elp-55194	66	11	aml	aml	NOUN
elp-55194	66	12	compliance	compliance	NOUN
elp-55194	66	13	in	in	ADP
elp-55194	66	14	the	the	DET
elp-55194	66	15	uk	uk	PROPN
elp-55194	66	16	has	have	AUX
elp-55194	66	17	continued	continue	VERB
elp-55194	66	18	to	to	PART
elp-55194	66	19	rise	rise	VERB
elp-55194	66	20	in	in	ADP
elp-55194	66	21	recent	recent	ADJ
elp-55194	66	22	years	year	NOUN
elp-55194	66	23	and	and	CCONJ
elp-55194	66	24	into	into	ADP
elp-55194	66	25	the	the	DET
elp-55194	66	26	future	future	NOUN
elp-55194	66	27	,	,	PUNCT
elp-55194	66	28	yet	yet	CCONJ
elp-55194	66	29	the	the	DET
elp-55194	66	30	level	level	NOUN
elp-55194	66	31	of	of	ADP
elp-55194	66	32	financial	financial	ADJ
elp-55194	66	33	crime	crime	NOUN
elp-55194	66	34	has	have	AUX
elp-55194	66	35	not	not	PART
elp-55194	66	36	fallen	fall	VERB
elp-55194	66	37	.	.	PUNCT
elp-55194	67	1	according	accord	VERB
elp-55194	67	2	to	to	ADP
elp-55194	67	3	an	an	DET
elp-55194	67	4	assessment	assessment	NOUN
elp-55194	67	5	by	by	ADP
elp-55194	67	6	the	the	DET
elp-55194	67	7	uk‟s	uk‟s	PROPN
elp-55194	67	8	national	national	PROPN
elp-55194	67	9	crime	crime	PROPN
elp-55194	67	10	agency	agency	PROPN
elp-55194	67	11	(	(	PUNCT
elp-55194	67	12	nca	nca	PROPN
elp-55194	67	13	)	)	PUNCT
elp-55194	67	14	,	,	PUNCT
elp-55194	67	15	the	the	DET
elp-55194	67	16	uk	uk	PROPN
elp-55194	67	17	is	be	AUX
elp-55194	67	18	likely	likely	ADJ
elp-55194	67	19	to	to	PART
elp-55194	67	20	generate	generate	VERB
elp-55194	67	21	more	more	ADJ
elp-55194	67	22	than	than	ADP
elp-55194	67	23	£	£	SYM
elp-55194	67	24	10	10	NUM
elp-55194	67	25	billion	billion	NUM
elp-55194	67	26	in	in	ADP
elp-55194	67	27	criminal	criminal	ADJ
elp-55194	67	28	cash	cash	NOUN
elp-55194	67	29	each	each	DET
elp-55194	67	30	year	year	NOUN
elp-55194	67	31	(	(	PUNCT
elp-55194	67	32	note	note	NOUN
elp-55194	67	33	9	9	NUM
elp-55194	67	34	)	)	PUNCT
elp-55194	67	35	.	.	PUNCT
elp-55194	68	1	traditional	traditional	ADJ
elp-55194	68	2	fraud	fraud	NOUN
elp-55194	68	3	,	,	PUNCT
elp-55194	68	4	while	while	SCONJ
elp-55194	68	5	still	still	ADV
elp-55194	68	6	prevalent	prevalent	ADJ
elp-55194	68	7	,	,	PUNCT
elp-55194	68	8	is	be	AUX
elp-55194	68	9	generally	generally	ADV
elp-55194	68	10	on	on	ADP
elp-55194	68	11	the	the	DET
elp-55194	68	12	decline	decline	NOUN
elp-55194	68	13	(	(	PUNCT
elp-55194	68	14	note	note	NOUN
elp-55194	68	15	10	10	NUM
elp-55194	68	16	)	)	PUNCT
elp-55194	68	17	.	.	PUNCT
elp-55194	69	1	however	however	ADV
elp-55194	69	2	,	,	PUNCT
elp-55194	69	3	as	as	ADP
elp-55194	69	4	digitization	digitization	NOUN
elp-55194	69	5	and	and	CCONJ
elp-55194	69	6	networking	networking	NOUN
elp-55194	69	7	deepen	deepen	NOUN
elp-55194	69	8	,	,	PUNCT
elp-55194	69	9	there	there	PRON
elp-55194	69	10	has	have	AUX
elp-55194	69	11	been	be	AUX
elp-55194	69	12	a	a	DET
elp-55194	69	13	marked	mark	VERB
elp-55194	69	14	increase	increase	NOUN
elp-55194	69	15	in	in	ADP
elp-55194	69	16	forms	form	NOUN
elp-55194	69	17	of	of	ADP
elp-55194	69	18	crime	crime	NOUN
elp-55194	69	19	such	such	ADJ
elp-55194	69	20	as	as	ADP
elp-55194	69	21	cryptocurrency	cryptocurrency	NOUN
elp-55194	69	22	-	-	PUNCT
elp-55194	69	23	related	relate	VERB
elp-55194	69	24	crime	crime	NOUN
elp-55194	69	25	,	,	PUNCT
elp-55194	69	26	cyber	cyber	NOUN
elp-55194	69	27	fraud	fraud	NOUN
elp-55194	69	28	and	and	CCONJ
elp-55194	69	29	identity	identity	NOUN
elp-55194	69	30	theft	theft	NOUN
elp-55194	69	31	.	.	PUNCT
elp-55194	70	1	for	for	ADP
elp-55194	70	2	example	example	NOUN
elp-55194	70	3	,	,	PUNCT
elp-55194	70	4	the	the	DET
elp-55194	70	5	anonymity	anonymity	NOUN
elp-55194	70	6	and	and	CCONJ
elp-55194	70	7	cross	cross	ADJ
elp-55194	70	8	-	-	ADJ
elp-55194	70	9	border	border	ADJ
elp-55194	70	10	nature	nature	NOUN
elp-55194	70	11	of	of	ADP
elp-55194	70	12	cryptocurrencies	cryptocurrencie	NOUN
elp-55194	70	13	makes	make	VERB
elp-55194	70	14	them	they	PRON
elp-55194	70	15	a	a	DET
elp-55194	70	16	new	new	ADJ
elp-55194	70	17	tool	tool	NOUN
elp-55194	70	18	for	for	ADP
elp-55194	70	19	money	money	NOUN
elp-55194	70	20	laundering	laundering	NOUN
elp-55194	70	21	.	.	PUNCT
elp-55194	71	1	in	in	ADP
elp-55194	71	2	statistics	statistic	NOUN
elp-55194	71	3	released	release	VERB
elp-55194	71	4	by	by	ADP
elp-55194	71	5	the	the	DET
elp-55194	71	6	uk	uk	PROPN
elp-55194	71	7	government	government	NOUN
elp-55194	71	8	in	in	ADP
elp-55194	71	9	2023	2023	NUM
elp-55194	71	10	,	,	PUNCT
elp-55194	71	11	it	it	PRON
elp-55194	71	12	was	be	AUX
elp-55194	71	13	revealed	reveal	VERB
elp-55194	71	14	that	that	SCONJ
elp-55194	71	15	the	the	DET
elp-55194	71	16	uk‟s	uk‟s	PROPN
elp-55194	71	17	financial	financial	ADJ
elp-55194	71	18	intelligence	intelligence	NOUN
elp-55194	71	19	unit	unit	NOUN
elp-55194	71	20	(	(	PUNCT
elp-55194	71	21	fiu	fiu	PROPN
elp-55194	71	22	)	)	PUNCT
elp-55194	71	23	received	receive	VERB
elp-55194	71	24	901,255	901,255	NUM
elp-55194	71	25	suspicious	suspicious	ADJ
elp-55194	71	26	activity	activity	NOUN
elp-55194	71	27	reports	report	NOUN
elp-55194	71	28	(	(	PUNCT
elp-55194	71	29	sars	sar	NOUN
elp-55194	71	30	)	)	PUNCT
elp-55194	71	31	between	between	ADP
elp-55194	71	32	2021	2021	NUM
elp-55194	71	33	and	and	CCONJ
elp-55194	71	34	2022	2022	NUM
elp-55194	71	35	,	,	PUNCT
elp-55194	71	36	which	which	PRON
elp-55194	71	37	represents	represent	VERB
elp-55194	71	38	a	a	DET
elp-55194	71	39	21	21	NUM
elp-55194	71	40	per	per	NOUN
elp-55194	71	41	cent	cent	NOUN
elp-55194	71	42	year	year	NOUN
elp-55194	71	43	-	-	PUNCT
elp-55194	71	44	on	on	ADP
elp-55194	71	45	-	-	PUNCT
elp-55194	71	46	year	year	NOUN
elp-55194	71	47	increase	increase	NOUN
elp-55194	71	48	compared	compare	VERB
elp-55194	71	49	to	to	ADP
elp-55194	71	50	previous	previous	ADJ
elp-55194	71	51	years	year	NOUN
elp-55194	71	52	(	(	PUNCT
elp-55194	71	53	note	note	NOUN
elp-55194	71	54	11	11	NUM
elp-55194	71	55	)	)	PUNCT
elp-55194	71	56	.	.	PUNCT
elp-55194	72	1	one	one	NUM
elp-55194	72	2	of	of	ADP
elp-55194	72	3	the	the	DET
elp-55194	72	4	reasons	reason	NOUN
elp-55194	72	5	for	for	ADP
elp-55194	72	6	the	the	DET
elp-55194	72	7	increase	increase	NOUN
elp-55194	72	8	is	be	AUX
elp-55194	72	9	the	the	DET
elp-55194	72	10	growing	grow	VERB
elp-55194	72	11	fintech	fintech	NOUN
elp-55194	72	12	and	and	CCONJ
elp-55194	72	13	cryptocurrency	cryptocurrency	NOUN
elp-55194	72	14	sector	sector	NOUN
elp-55194	72	15	,	,	PUNCT
elp-55194	72	16	which	which	PRON
elp-55194	72	17	has	have	AUX
elp-55194	72	18	led	lead	VERB
elp-55194	72	19	to	to	ADP
elp-55194	72	20	the	the	DET
elp-55194	72	21	emergence	emergence	NOUN
elp-55194	72	22	of	of	ADP
elp-55194	72	23	new	new	ADJ
elp-55194	72	24	types	type	NOUN
elp-55194	72	25	of	of	ADP
elp-55194	72	26	criminal	criminal	ADJ
elp-55194	72	27	practices	practice	NOUN
elp-55194	72	28	.	.	PUNCT
elp-55194	73	1	www.scholink.org/ojs/index.php/elp	www.scholink.org/ojs/index.php/elp	NOUN
elp-55194	73	2	economics	economic	NOUN
elp-55194	73	3	,	,	PUNCT
elp-55194	73	4	law	law	NOUN
elp-55194	73	5	and	and	CCONJ
elp-55194	73	6	policy	policy	NOUN
elp-55194	73	7	vol	vol	NOUN
elp-55194	73	8	.	.	PUNCT
elp-55194	74	1	7	7	NUM
elp-55194	74	2	,	,	PUNCT
elp-55194	74	3	no	no	INTJ
elp-55194	74	4	.	.	NOUN
elp-55194	74	5	3	3	NUM
elp-55194	74	6	,	,	PUNCT
elp-55194	74	7	2024	2024	NUM
elp-55194	74	8	47	47	NUM
elp-55194	74	9	published	publish	VERB
elp-55194	74	10	by	by	ADP
elp-55194	74	11	scholink	scholink	PROPN
elp-55194	74	12	inc	inc	PROPN
elp-55194	74	13	.	.	PROPN
elp-55194	74	14	in	in	ADP
elp-55194	74	15	the	the	DET
elp-55194	74	16	uk	uk	PROPN
elp-55194	74	17	,	,	PUNCT
elp-55194	74	18	for	for	ADP
elp-55194	74	19	example	example	NOUN
elp-55194	74	20	,	,	PUNCT
elp-55194	74	21	some	some	DET
elp-55194	74	22	bank	bank	NOUN
elp-55194	74	23	account	account	NOUN
elp-55194	74	24	holders	holder	NOUN
elp-55194	74	25	have	have	AUX
elp-55194	74	26	become	become	VERB
elp-55194	74	27	money	money	NOUN
elp-55194	74	28	laundering	laundering	NOUN
elp-55194	74	29	„	„	PUNCT
elp-55194	74	30	mules‟	mules‟	X
elp-55194	74	31	through	through	ADP
elp-55194	74	32	the	the	DET
elp-55194	74	33	misuse	misuse	NOUN
elp-55194	74	34	of	of	ADP
elp-55194	74	35	digital	digital	ADJ
elp-55194	74	36	technology	technology	NOUN
elp-55194	74	37	and	and	CCONJ
elp-55194	74	38	social	social	ADJ
elp-55194	74	39	media	medium	NOUN
elp-55194	74	40	.	.	PUNCT
elp-55194	75	1	according	accord	VERB
elp-55194	75	2	to	to	ADP
elp-55194	75	3	records	record	NOUN
elp-55194	75	4	from	from	ADP
elp-55194	75	5	2017	2017	NUM
elp-55194	75	6	,	,	PUNCT
elp-55194	75	7	8,500	8,500	NUM
elp-55194	75	8	money	money	NOUN
elp-55194	75	9	mule	mule	NOUN
elp-55194	75	10	accounts	account	NOUN
elp-55194	75	11	owned	own	VERB
elp-55194	75	12	by	by	ADP
elp-55194	75	13	young	young	ADJ
elp-55194	75	14	people	people	NOUN
elp-55194	75	15	were	be	AUX
elp-55194	75	16	identified	identify	VERB
elp-55194	75	17	by	by	ADP
elp-55194	75	18	a	a	DET
elp-55194	75	19	number	number	NOUN
elp-55194	75	20	of	of	ADP
elp-55194	75	21	uk	uk	PROPN
elp-55194	75	22	banks	bank	NOUN
elp-55194	75	23	and	and	CCONJ
elp-55194	75	24	there	there	PRON
elp-55194	75	25	has	have	AUX
elp-55194	75	26	been	be	AUX
elp-55194	75	27	a	a	DET
elp-55194	75	28	35	35	NUM
elp-55194	75	29	per	per	NOUN
elp-55194	75	30	cent	cent	NOUN
elp-55194	75	31	increase	increase	NOUN
elp-55194	75	32	in	in	ADP
elp-55194	75	33	the	the	DET
elp-55194	75	34	involvement	involvement	NOUN
elp-55194	75	35	of	of	ADP
elp-55194	75	36	the	the	DET
elp-55194	75	37	14	14	NUM
elp-55194	75	38	-	-	SYM
elp-55194	75	39	21	21	NUM
elp-55194	75	40	age	age	NOUN
elp-55194	75	41	group	group	NOUN
elp-55194	75	42	in	in	ADP
elp-55194	75	43	this	this	DET
elp-55194	75	44	type	type	NOUN
elp-55194	75	45	of	of	ADP
elp-55194	75	46	money	money	NOUN
elp-55194	75	47	laundering	laundering	NOUN
elp-55194	75	48	(	(	PUNCT
elp-55194	75	49	note	note	NOUN
elp-55194	75	50	12	12	NUM
elp-55194	75	51	)	)	PUNCT
elp-55194	75	52	.	.	PUNCT
elp-55194	76	1	this	this	PRON
elp-55194	76	2	is	be	AUX
elp-55194	76	3	because	because	SCONJ
elp-55194	76	4	young	young	ADJ
elp-55194	76	5	people	people	NOUN
elp-55194	76	6	often	often	ADV
elp-55194	76	7	have	have	VERB
elp-55194	76	8	no	no	DET
elp-55194	76	9	criminal	criminal	ADJ
elp-55194	76	10	history	history	NOUN
elp-55194	76	11	of	of	ADP
elp-55194	76	12	financial	financial	ADJ
elp-55194	76	13	crime	crime	NOUN
elp-55194	76	14	,	,	PUNCT
elp-55194	76	15	so	so	SCONJ
elp-55194	76	16	they	they	PRON
elp-55194	76	17	are	be	AUX
elp-55194	76	18	more	more	ADV
elp-55194	76	19	likely	likely	ADJ
elp-55194	76	20	to	to	PART
elp-55194	76	21	be	be	AUX
elp-55194	76	22	trusted	trust	VERB
elp-55194	76	23	by	by	ADP
elp-55194	76	24	banks	bank	NOUN
elp-55194	76	25	unless	unless	SCONJ
elp-55194	76	26	other	other	ADJ
elp-55194	76	27	suspicious	suspicious	ADJ
elp-55194	76	28	transactions	transaction	NOUN
elp-55194	76	29	are	be	AUX
elp-55194	76	30	analyzed	analyze	VERB
elp-55194	76	31	.	.	PUNCT
elp-55194	77	1	furthermore	furthermore	ADV
elp-55194	77	2	,	,	PUNCT
elp-55194	77	3	according	accord	VERB
elp-55194	77	4	to	to	ADP
elp-55194	77	5	the	the	DET
elp-55194	77	6	data	datum	NOUN
elp-55194	77	7	released	release	VERB
elp-55194	77	8	by	by	ADP
elp-55194	77	9	cipher	cipher	ADJ
elp-55194	77	10	trace	trace	NOUN
elp-55194	77	11	in	in	ADP
elp-55194	77	12	2019	2019	NUM
elp-55194	77	13	,	,	PUNCT
elp-55194	77	14	65	65	NUM
elp-55194	77	15	%	%	NOUN
elp-55194	77	16	of	of	ADP
elp-55194	77	17	the	the	DET
elp-55194	77	18	120	120	NUM
elp-55194	77	19	most	most	ADV
elp-55194	77	20	popular	popular	ADJ
elp-55194	77	21	cryptocurrency	cryptocurrency	NOUN
elp-55194	77	22	transactions	transaction	NOUN
elp-55194	77	23	have	have	VERB
elp-55194	77	24	poor	poor	ADJ
elp-55194	77	25	and	and	CCONJ
elp-55194	77	26	weak	weak	ADJ
elp-55194	77	27	kyc	kyc	PROPN
elp-55194	77	28	requirements	requirement	NOUN
elp-55194	77	29	(	(	PUNCT
elp-55194	77	30	note	note	NOUN
elp-55194	77	31	13	13	NUM
elp-55194	77	32	)	)	PUNCT
elp-55194	77	33	.	.	PUNCT
elp-55194	78	1	despite	despite	SCONJ
elp-55194	78	2	the	the	DET
elp-55194	78	3	enforcement	enforcement	NOUN
elp-55194	78	4	of	of	ADP
elp-55194	78	5	strict	strict	ADJ
elp-55194	78	6	customer	customer	NOUN
elp-55194	78	7	due	due	ADJ
elp-55194	78	8	diligence	diligence	NOUN
elp-55194	78	9	(	(	PUNCT
elp-55194	78	10	kyc	kyc	PROPN
elp-55194	78	11	)	)	PUNCT
elp-55194	78	12	in	in	ADP
elp-55194	78	13	the	the	DET
elp-55194	78	14	uk	uk	PROPN
elp-55194	78	15	and	and	CCONJ
elp-55194	78	16	compliance	compliance	NOUN
elp-55194	78	17	with	with	ADP
elp-55194	78	18	the	the	DET
elp-55194	78	19	fifth	fifth	ADJ
elp-55194	78	20	anti	anti	ADJ
elp-55194	78	21	-	-	ADJ
elp-55194	78	22	money	money	ADJ
elp-55194	78	23	laundering	laundering	NOUN
elp-55194	78	24	directive	directive	NOUN
elp-55194	78	25	,	,	PUNCT
elp-55194	78	26	which	which	PRON
elp-55194	78	27	strictly	strictly	ADV
elp-55194	78	28	regulates	regulate	VERB
elp-55194	78	29	cryptocurrency	cryptocurrency	NOUN
elp-55194	78	30	activity	activity	NOUN
elp-55194	78	31	,	,	PUNCT
elp-55194	78	32	and	and	CCONJ
elp-55194	78	33	the	the	DET
elp-55194	78	34	proposed	propose	VERB
elp-55194	78	35	rules	rule	NOUN
elp-55194	78	36	for	for	ADP
elp-55194	78	37	cryptocurrency	cryptocurrency	NOUN
elp-55194	78	38	regulation	regulation	NOUN
elp-55194	78	39	by	by	ADP
elp-55194	78	40	the	the	DET
elp-55194	78	41	fca	fca	PROPN
elp-55194	78	42	,	,	PUNCT
elp-55194	78	43	technology	technology	NOUN
elp-55194	78	44	continues	continue	VERB
elp-55194	78	45	to	to	PART
elp-55194	78	46	evolve	evolve	VERB
elp-55194	78	47	,	,	PUNCT
elp-55194	78	48	and	and	CCONJ
elp-55194	78	49	cryptocurrency	cryptocurrency	NOUN
elp-55194	78	50	money	money	NOUN
elp-55194	78	51	laundering	laundering	NOUN
elp-55194	78	52	methods	method	NOUN
elp-55194	78	53	are	be	AUX
elp-55194	78	54	becoming	become	VERB
elp-55194	78	55	more	more	ADV
elp-55194	78	56	complex	complex	ADJ
elp-55194	78	57	and	and	CCONJ
elp-55194	78	58	undetectable	undetectable	ADJ
elp-55194	78	59	.	.	PUNCT
elp-55194	79	1	thus	thus	ADV
elp-55194	79	2	,	,	PUNCT
elp-55194	79	3	despite	despite	SCONJ
elp-55194	79	4	the	the	DET
elp-55194	79	5	significant	significant	ADJ
elp-55194	79	6	increase	increase	NOUN
elp-55194	79	7	in	in	ADP
elp-55194	79	8	aml	aml	NOUN
elp-55194	79	9	compliance	compliance	NOUN
elp-55194	79	10	costs	cost	NOUN
elp-55194	79	11	,	,	PUNCT
elp-55194	79	12	the	the	DET
elp-55194	79	13	persistence	persistence	NOUN
elp-55194	79	14	of	of	ADP
elp-55194	79	15	high	high	ADJ
elp-55194	79	16	crime	crime	NOUN
elp-55194	79	17	rates	rate	NOUN
elp-55194	79	18	reflects	reflect	VERB
elp-55194	79	19	the	the	DET
elp-55194	79	20	fact	fact	NOUN
elp-55194	79	21	that	that	SCONJ
elp-55194	79	22	existing	exist	VERB
elp-55194	79	23	measures	measure	NOUN
elp-55194	79	24	may	may	AUX
elp-55194	79	25	not	not	PART
elp-55194	79	26	be	be	AUX
elp-55194	79	27	fully	fully	ADV
elp-55194	79	28	effective	effective	ADJ
elp-55194	79	29	in	in	ADP
elp-55194	79	30	practice	practice	NOUN
elp-55194	79	31	.	.	PUNCT
elp-55194	80	1	3	3	X
elp-55194	80	2	.	.	X
elp-55194	80	3	assess	assess	VERB
elp-55194	80	4	the	the	DET
elp-55194	80	5	effectiveness	effectiveness	NOUN
elp-55194	80	6	of	of	ADP
elp-55194	80	7	aml	aml	PROPN
elp-55194	80	8	system	system	NOUN
elp-55194	80	9	an	an	DET
elp-55194	80	10	initial	initial	ADJ
elp-55194	80	11	question	question	NOUN
elp-55194	80	12	that	that	PRON
elp-55194	80	13	should	should	AUX
elp-55194	80	14	be	be	AUX
elp-55194	80	15	considered	consider	VERB
elp-55194	80	16	before	before	ADP
elp-55194	80	17	analyzing	analyze	VERB
elp-55194	80	18	the	the	DET
elp-55194	80	19	effectiveness	effectiveness	NOUN
elp-55194	80	20	of	of	ADP
elp-55194	80	21	aml	aml	PROPN
elp-55194	80	22	systems	system	NOUN
elp-55194	80	23	is	be	AUX
elp-55194	80	24	what	what	PRON
elp-55194	80	25	is	be	AUX
elp-55194	80	26	effective	effective	ADJ
elp-55194	80	27	?	?	PUNCT
elp-55194	81	1	effective	effective	ADJ
elp-55194	81	2	means	mean	NOUN
elp-55194	81	3	that	that	SCONJ
elp-55194	81	4	the	the	DET
elp-55194	81	5	outcome	outcome	NOUN
elp-55194	81	6	is	be	AUX
elp-55194	81	7	expected	expect	VERB
elp-55194	81	8	to	to	PART
elp-55194	81	9	fulfil	fulfil	VERB
elp-55194	81	10	the	the	DET
elp-55194	81	11	original	original	ADJ
elp-55194	81	12	purpose	purpose	NOUN
elp-55194	81	13	(	(	PUNCT
elp-55194	81	14	note	note	NOUN
elp-55194	81	15	14	14	NUM
elp-55194	81	16	)	)	PUNCT
elp-55194	81	17	.	.	PUNCT
elp-55194	82	1	so	so	ADV
elp-55194	82	2	what	what	PRON
elp-55194	82	3	is	be	AUX
elp-55194	82	4	the	the	DET
elp-55194	82	5	purpose	purpose	NOUN
elp-55194	82	6	of	of	ADP
elp-55194	82	7	anti	anti	ADJ
elp-55194	82	8	-	-	ADJ
elp-55194	82	9	money	money	ADJ
elp-55194	82	10	laundering	laundering	NOUN
elp-55194	82	11	?	?	PUNCT
elp-55194	83	1	the	the	DET
elp-55194	83	2	objective	objective	NOUN
elp-55194	83	3	of	of	ADP
elp-55194	83	4	anti	anti	ADJ
elp-55194	83	5	-	-	ADJ
elp-55194	83	6	money	money	ADJ
elp-55194	83	7	laundering	laundering	NOUN
elp-55194	83	8	is	be	AUX
elp-55194	83	9	clearly	clearly	ADV
elp-55194	83	10	to	to	PART
elp-55194	83	11	reduce	reduce	VERB
elp-55194	83	12	money	money	NOUN
elp-55194	83	13	laundering	laundering	NOUN
elp-55194	83	14	and	and	CCONJ
elp-55194	83	15	the	the	DET
elp-55194	83	16	incidence	incidence	NOUN
elp-55194	83	17	of	of	ADP
elp-55194	83	18	money	money	NOUN
elp-55194	83	19	laundering	laundering	NOUN
elp-55194	83	20	offences	offence	NOUN
elp-55194	83	21	.	.	PUNCT
elp-55194	84	1	it	it	PRON
elp-55194	84	2	is	be	AUX
elp-55194	84	3	also	also	ADV
elp-55194	84	4	to	to	PART
elp-55194	84	5	combat	combat	VERB
elp-55194	84	6	the	the	DET
elp-55194	84	7	flow	flow	NOUN
elp-55194	84	8	of	of	ADP
elp-55194	84	9	funds	fund	NOUN
elp-55194	84	10	for	for	ADP
elp-55194	84	11	the	the	DET
elp-55194	84	12	financing	financing	NOUN
elp-55194	84	13	of	of	ADP
elp-55194	84	14	terrorism	terrorism	NOUN
elp-55194	84	15	and	and	CCONJ
elp-55194	84	16	to	to	PART
elp-55194	84	17	protect	protect	VERB
elp-55194	84	18	the	the	DET
elp-55194	84	19	integrity	integrity	NOUN
elp-55194	84	20	of	of	ADP
elp-55194	84	21	financial	financial	ADJ
elp-55194	84	22	markets	market	NOUN
elp-55194	84	23	.	.	PUNCT
elp-55194	85	1	however	however	ADV
elp-55194	85	2	,	,	PUNCT
elp-55194	85	3	as	as	SCONJ
elp-55194	85	4	noted	note	VERB
elp-55194	85	5	earlier	early	ADV
elp-55194	85	6	,	,	PUNCT
elp-55194	85	7	the	the	DET
elp-55194	85	8	cost	cost	NOUN
elp-55194	85	9	of	of	ADP
elp-55194	85	10	anti	anti	ADJ
elp-55194	85	11	-	-	ADJ
elp-55194	85	12	money	money	ADJ
elp-55194	85	13	laundering	laundering	NOUN
elp-55194	85	14	compliance	compliance	NOUN
elp-55194	85	15	continues	continue	VERB
elp-55194	85	16	to	to	PART
elp-55194	85	17	rise	rise	VERB
elp-55194	85	18	,	,	PUNCT
elp-55194	85	19	but	but	CCONJ
elp-55194	85	20	the	the	DET
elp-55194	85	21	rate	rate	NOUN
elp-55194	85	22	of	of	ADP
elp-55194	85	23	financial	financial	ADJ
elp-55194	85	24	crime	crime	NOUN
elp-55194	85	25	has	have	AUX
elp-55194	85	26	not	not	PART
elp-55194	85	27	fallen	fall	VERB
elp-55194	85	28	.	.	PUNCT
elp-55194	86	1	as	as	ADP
elp-55194	86	2	a	a	DET
elp-55194	86	3	result	result	NOUN
elp-55194	86	4	,	,	PUNCT
elp-55194	86	5	it	it	PRON
elp-55194	86	6	has	have	AUX
elp-55194	86	7	been	be	AUX
elp-55194	86	8	argued	argue	VERB
elp-55194	86	9	that	that	SCONJ
elp-55194	86	10	the	the	DET
elp-55194	86	11	anti	anti	ADJ
elp-55194	86	12	-	-	ADJ
elp-55194	86	13	money	money	NOUN
elp-55194	86	14	-	-	PUNCT
elp-55194	86	15	laundering	launder	VERB
elp-55194	86	16	system	system	NOUN
elp-55194	86	17	has	have	AUX
elp-55194	86	18	been	be	AUX
elp-55194	86	19	undermined	undermine	VERB
elp-55194	86	20	.	.	PUNCT
elp-55194	87	1	in	in	ADP
elp-55194	87	2	the	the	DET
elp-55194	87	3	perspective	perspective	NOUN
elp-55194	87	4	of	of	ADP
elp-55194	87	5	this	this	DET
elp-55194	87	6	essay	essay	NOUN
elp-55194	87	7	,	,	PUNCT
elp-55194	87	8	however	however	ADV
elp-55194	87	9	,	,	PUNCT
elp-55194	87	10	the	the	DET
elp-55194	87	11	aml	aml	NOUN
elp-55194	87	12	system	system	NOUN
elp-55194	87	13	has	have	AUX
elp-55194	87	14	not	not	PART
elp-55194	87	15	been	be	AUX
elp-55194	87	16	broken	break	VERB
elp-55194	87	17	.	.	PUNCT
elp-55194	88	1	how	how	SCONJ
elp-55194	88	2	should	should	AUX
elp-55194	88	3	damage	damage	NOUN
elp-55194	88	4	be	be	AUX
elp-55194	88	5	defined	define	VERB
elp-55194	88	6	?	?	PUNCT
elp-55194	89	1	is	be	AUX
elp-55194	89	2	it	it	PRON
elp-55194	89	3	the	the	DET
elp-55194	89	4	elimination	elimination	NOUN
elp-55194	89	5	of	of	ADP
elp-55194	89	6	all	all	DET
elp-55194	89	7	financial	financial	ADJ
elp-55194	89	8	crimes	crime	NOUN
elp-55194	89	9	that	that	PRON
elp-55194	89	10	can	can	AUX
elp-55194	89	11	be	be	AUX
elp-55194	89	12	said	say	VERB
elp-55194	89	13	not	not	PART
elp-55194	89	14	to	to	PART
elp-55194	89	15	have	have	AUX
elp-55194	89	16	been	be	AUX
elp-55194	89	17	damaged	damage	VERB
elp-55194	89	18	?	?	PUNCT
elp-55194	90	1	obviously	obviously	ADV
elp-55194	90	2	this	this	PRON
elp-55194	90	3	is	be	AUX
elp-55194	90	4	impossible	impossible	ADJ
elp-55194	90	5	.	.	PUNCT
elp-55194	91	1	the	the	DET
elp-55194	91	2	purpose	purpose	NOUN
elp-55194	91	3	of	of	ADP
elp-55194	91	4	anti	anti	ADJ
elp-55194	91	5	-	-	ADJ
elp-55194	91	6	money	money	ADJ
elp-55194	91	7	laundering	laundering	NOUN
elp-55194	91	8	is	be	AUX
elp-55194	91	9	to	to	PART
elp-55194	91	10	combat	combat	VERB
elp-55194	91	11	money	money	NOUN
elp-55194	91	12	laundering	laundering	NOUN
elp-55194	91	13	,	,	PUNCT
elp-55194	91	14	but	but	CCONJ
elp-55194	91	15	the	the	DET
elp-55194	91	16	money	money	NOUN
elp-55194	91	17	laundering	launder	VERB
elp-55194	91	18	to	to	ADP
elp-55194	91	19	0	0	NUM
elp-55194	91	20	crime	crime	NOUN
elp-55194	91	21	can	can	AUX
elp-55194	91	22	not	not	PART
elp-55194	91	23	exist	exist	VERB
elp-55194	91	24	.	.	PUNCT
elp-55194	92	1	although	although	SCONJ
elp-55194	92	2	the	the	DET
elp-55194	92	3	aml	aml	NOUN
elp-55194	92	4	system	system	NOUN
elp-55194	92	5	has	have	AUX
elp-55194	92	6	not	not	PART
elp-55194	92	7	prevented	prevent	VERB
elp-55194	92	8	an	an	DET
elp-55194	92	9	increase	increase	NOUN
elp-55194	92	10	in	in	ADP
elp-55194	92	11	the	the	DET
elp-55194	92	12	rate	rate	NOUN
elp-55194	92	13	of	of	ADP
elp-55194	92	14	financial	financial	ADJ
elp-55194	92	15	crime	crime	NOUN
elp-55194	92	16	,	,	PUNCT
elp-55194	92	17	which	which	PRON
elp-55194	92	18	it	it	PRON
elp-55194	92	19	has	have	VERB
elp-55194	92	20	to	to	ADP
elp-55194	92	21	a	a	DET
elp-55194	92	22	certain	certain	ADJ
elp-55194	92	23	extent	extent	NOUN
elp-55194	92	24	,	,	PUNCT
elp-55194	92	25	it	it	PRON
elp-55194	92	26	has	have	AUX
elp-55194	92	27	also	also	ADV
elp-55194	92	28	combated	combat	VERB
elp-55194	92	29	financial	financial	ADJ
elp-55194	92	30	crime	crime	NOUN
elp-55194	92	31	,	,	PUNCT
elp-55194	92	32	and	and	CCONJ
elp-55194	92	33	therefore	therefore	ADV
elp-55194	92	34	has	have	AUX
elp-55194	92	35	not	not	PART
elp-55194	92	36	been	be	AUX
elp-55194	92	37	broken	break	VERB
elp-55194	92	38	.	.	PUNCT
elp-55194	93	1	for	for	ADP
elp-55194	93	2	instance	instance	NOUN
elp-55194	93	3	,	,	PUNCT
elp-55194	93	4	the	the	DET
elp-55194	93	5	uk	uk	PROPN
elp-55194	93	6	introduced	introduce	VERB
elp-55194	93	7	unexplained	unexplained	ADJ
elp-55194	93	8	wealth	wealth	NOUN
elp-55194	93	9	order	order	NOUN
elp-55194	93	10	(	(	PUNCT
elp-55194	93	11	uwo)—a	uwo)—a	VERB
elp-55194	93	12	regime	regime	NOUN
elp-55194	93	13	designed	design	VERB
elp-55194	93	14	to	to	PART
elp-55194	93	15	forfeit	forfeit	VERB
elp-55194	93	16	the	the	DET
elp-55194	93	17	proceeds	proceed	NOUN
elp-55194	93	18	of	of	ADP
elp-55194	93	19	crime	crime	NOUN
elp-55194	93	20	using	use	VERB
elp-55194	93	21	civil	civil	ADJ
elp-55194	93	22	,	,	PUNCT
elp-55194	93	23	rather	rather	ADV
elp-55194	93	24	than	than	ADP
elp-55194	93	25	criminal	criminal	ADJ
elp-55194	93	26	power	power	NOUN
elp-55194	93	27	from	from	ADP
elp-55194	93	28	2017	2017	NUM
elp-55194	93	29	.	.	PUNCT
elp-55194	94	1	the	the	DET
elp-55194	94	2	uwos	uwo	NOUN
elp-55194	94	3	are	be	AUX
elp-55194	94	4	seen	see	VERB
elp-55194	94	5	as	as	ADP
elp-55194	94	6	a	a	DET
elp-55194	94	7	solution	solution	NOUN
elp-55194	94	8	to	to	ADP
elp-55194	94	9	both	both	DET
elp-55194	94	10	the	the	DET
elp-55194	94	11	problems	problem	NOUN
elp-55194	94	12	of	of	ADP
elp-55194	94	13	organized	organized	ADJ
elp-55194	94	14	crime	crime	NOUN
elp-55194	94	15	and	and	CCONJ
elp-55194	94	16	the	the	DET
elp-55194	94	17	high	high	ADJ
elp-55194	94	18	levels	level	NOUN
elp-55194	94	19	of	of	ADP
elp-55194	94	20	corruption	corruption	NOUN
elp-55194	94	21	that	that	PRON
elp-55194	94	22	arise	arise	VERB
elp-55194	94	23	from	from	ADP
elp-55194	94	24	a	a	DET
elp-55194	94	25	reign	reign	NOUN
elp-55194	94	26	of	of	ADP
elp-55194	94	27	thievery	thievery	NOUN
elp-55194	94	28	.	.	PUNCT
elp-55194	95	1	when	when	SCONJ
elp-55194	95	2	a	a	DET
elp-55194	95	3	property	property	NOUN
elp-55194	95	4	is	be	AUX
elp-55194	95	5	issued	issue	VERB
elp-55194	95	6	with	with	ADP
elp-55194	95	7	an	an	DET
elp-55194	95	8	unexplained	unexplained	ADJ
elp-55194	95	9	wealth	wealth	NOUN
elp-55194	95	10	order	order	NOUN
elp-55194	95	11	(	(	PUNCT
elp-55194	95	12	uwo	uwo	PROPN
elp-55194	95	13	)	)	PUNCT
elp-55194	95	14	,	,	PUNCT
elp-55194	95	15	the	the	DET
elp-55194	95	16	owners	owner	NOUN
elp-55194	95	17	are	be	AUX
elp-55194	95	18	obligated	obligate	VERB
elp-55194	95	19	to	to	PART
elp-55194	95	20	provide	provide	VERB
elp-55194	95	21	an	an	DET
elp-55194	95	22	explanation	explanation	NOUN
elp-55194	95	23	regarding	regard	VERB
elp-55194	95	24	the	the	DET
elp-55194	95	25	origins	origin	NOUN
elp-55194	95	26	of	of	ADP
elp-55194	95	27	wealth	wealth	NOUN
elp-55194	95	28	used	use	VERB
elp-55194	95	29	for	for	ADP
elp-55194	95	30	its	its	PRON
elp-55194	95	31	purchase	purchase	NOUN
elp-55194	95	32	.	.	PUNCT
elp-55194	96	1	failure	failure	NOUN
elp-55194	96	2	to	to	PART
elp-55194	96	3	comply	comply	VERB
elp-55194	96	4	with	with	ADP
elp-55194	96	5	this	this	DET
elp-55194	96	6	requirement	requirement	NOUN
elp-55194	96	7	establishes	establish	VERB
elp-55194	96	8	a	a	DET
elp-55194	96	9	legal	legal	ADJ
elp-55194	96	10	presumption	presumption	NOUN
elp-55194	96	11	that	that	SCONJ
elp-55194	96	12	the	the	DET
elp-55194	96	13	property	property	NOUN
elp-55194	96	14	has	have	AUX
elp-55194	96	15	been	be	AUX
elp-55194	96	16	obtained	obtain	VERB
elp-55194	96	17	through	through	ADP
elp-55194	96	18	criminal	criminal	ADJ
elp-55194	96	19	proceeds	proceed	NOUN
elp-55194	96	20	,	,	PUNCT
elp-55194	96	21	thereby	thereby	ADV
elp-55194	96	22	enabling	enable	VERB
elp-55194	96	23	subsequent	subsequent	ADJ
elp-55194	96	24	civil	civil	ADJ
elp-55194	96	25	recovery	recovery	NOUN
elp-55194	96	26	proceedings	proceeding	NOUN
elp-55194	96	27	for	for	ADP
elp-55194	96	28	confiscation	confiscation	NOUN
elp-55194	96	29	under	under	ADP
elp-55194	96	30	the	the	DET
elp-55194	96	31	provisions	provision	NOUN
elp-55194	96	32	of	of	ADP
elp-55194	96	33	the	the	DET
elp-55194	96	34	proceeds	proceed	NOUN
elp-55194	96	35	of	of	ADP
elp-55194	96	36	crime	crime	NOUN
elp-55194	96	37	act	act	NOUN
elp-55194	96	38	(	(	PUNCT
elp-55194	96	39	poca	poca	PROPN
elp-55194	96	40	)	)	PUNCT
elp-55194	96	41	(	(	PUNCT
elp-55194	96	42	note	note	NOUN
elp-55194	96	43	15	15	NUM
elp-55194	96	44	)	)	PUNCT
elp-55194	96	45	.	.	PUNCT
elp-55194	97	1	www.scholink.org/ojs/index.php/elp	www.scholink.org/ojs/index.php/elp	NOUN
elp-55194	97	2	economics	economic	NOUN
elp-55194	97	3	,	,	PUNCT
elp-55194	97	4	law	law	NOUN
elp-55194	97	5	and	and	CCONJ
elp-55194	97	6	policy	policy	NOUN
elp-55194	97	7	vol	vol	NOUN
elp-55194	97	8	.	.	PUNCT
elp-55194	98	1	7	7	NUM
elp-55194	98	2	,	,	PUNCT
elp-55194	98	3	no	no	INTJ
elp-55194	98	4	.	.	NOUN
elp-55194	98	5	3	3	NUM
elp-55194	98	6	,	,	PUNCT
elp-55194	98	7	2024	2024	NUM
elp-55194	98	8	48	48	NUM
elp-55194	98	9	published	publish	VERB
elp-55194	98	10	by	by	ADP
elp-55194	98	11	scholink	scholink	PROPN
elp-55194	98	12	inc	inc	PROPN
elp-55194	98	13	.	.	PROPN
elp-55194	99	1	in	in	ADP
elp-55194	99	2	2019	2019	NUM
elp-55194	99	3	the	the	DET
elp-55194	99	4	nca	nca	NOUN
elp-55194	99	5	froze	freeze	VERB
elp-55194	99	6	3	3	NUM
elp-55194	99	7	properties	property	NOUN
elp-55194	99	8	as	as	SCONJ
elp-55194	99	9	it	it	PRON
elp-55194	99	10	suspected	suspect	VERB
elp-55194	99	11	that	that	SCONJ
elp-55194	99	12	they	they	PRON
elp-55194	99	13	were	be	AUX
elp-55194	99	14	the	the	DET
elp-55194	99	15	proceeds	proceed	NOUN
elp-55194	99	16	of	of	ADP
elp-55194	99	17	crime	crime	NOUN
elp-55194	99	18	transferred	transfer	VERB
elp-55194	99	19	to	to	ADP
elp-55194	99	20	the	the	DET
elp-55194	99	21	three	three	NUM
elp-55194	99	22	properties	property	NOUN
elp-55194	99	23	by	by	ADP
elp-55194	99	24	rakhat	rakhat	NOUN
elp-55194	99	25	aliyev	aliyev	NOUN
elp-55194	99	26	(	(	PUNCT
elp-55194	99	27	ra	ra	PROPN
elp-55194	99	28	)	)	PUNCT
elp-55194	99	29	,	,	PUNCT
elp-55194	99	30	a	a	DET
elp-55194	99	31	kazakhstani	kazakhstani	NOUN
elp-55194	99	32	national	national	ADJ
elp-55194	99	33	,	,	PUNCT
elp-55194	99	34	and	and	CCONJ
elp-55194	99	35	asked	ask	VERB
elp-55194	99	36	the	the	DET
elp-55194	99	37	respondents	respondent	NOUN
elp-55194	99	38	to	to	PART
elp-55194	99	39	explain	explain	VERB
elp-55194	99	40	the	the	DET
elp-55194	99	41	source	source	NOUN
elp-55194	99	42	of	of	ADP
elp-55194	99	43	the	the	DET
elp-55194	99	44	wealth	wealth	NOUN
elp-55194	99	45	.	.	PUNCT
elp-55194	100	1	however	however	ADV
elp-55194	100	2	the	the	DET
elp-55194	100	3	high	high	ADJ
elp-55194	100	4	court	court	NOUN
elp-55194	100	5	overturned	overturn	VERB
elp-55194	100	6	all	all	DET
elp-55194	100	7	three	three	NUM
elp-55194	100	8	uwos	uwo	NOUN
elp-55194	100	9	,	,	PUNCT
elp-55194	100	10	finding	find	VERB
elp-55194	100	11	the	the	DET
elp-55194	100	12	assumptions	assumption	NOUN
elp-55194	100	13	expressed	express	VERB
elp-55194	100	14	by	by	ADP
elp-55194	100	15	the	the	DET
elp-55194	100	16	nca	nca	NOUN
elp-55194	100	17	that	that	SCONJ
elp-55194	100	18	ra	ra	PROPN
elp-55194	100	19	was	be	AUX
elp-55194	100	20	the	the	DET
elp-55194	100	21	source	source	NOUN
elp-55194	100	22	of	of	ADP
elp-55194	100	23	the	the	DET
elp-55194	100	24	funds	fund	NOUN
elp-55194	100	25	to	to	PART
elp-55194	100	26	be	be	AUX
elp-55194	100	27	unreliable	unreliable	ADJ
elp-55194	100	28	and	and	CCONJ
elp-55194	100	29	finding	find	VERB
elp-55194	100	30	the	the	DET
elp-55194	100	31	underlying	underlie	VERB
elp-55194	100	32	assumptions	assumption	NOUN
elp-55194	100	33	and	and	CCONJ
elp-55194	100	34	reasoning	reasoning	NOUN
elp-55194	100	35	of	of	ADP
elp-55194	100	36	the	the	DET
elp-55194	100	37	nca	nca	NOUN
elp-55194	100	38	to	to	PART
elp-55194	100	39	be	be	AUX
elp-55194	100	40	unreliable	unreliable	ADJ
elp-55194	100	41	and	and	CCONJ
elp-55194	100	42	flawed	flawed	ADJ
elp-55194	100	43	(	(	PUNCT
elp-55194	100	44	note	note	NOUN
elp-55194	100	45	16	16	NUM
elp-55194	100	46	)	)	PUNCT
elp-55194	100	47	.	.	PUNCT
elp-55194	101	1	2020	2020	NUM
elp-55194	102	1	the	the	DET
elp-55194	102	2	nca	nca	PROPN
elp-55194	102	3	appeal	appeal	PROPN
elp-55194	102	4	was	be	AUX
elp-55194	102	5	refused	refuse	VERB
elp-55194	102	6	.	.	PUNCT
elp-55194	103	1	this	this	DET
elp-55194	103	2	case	case	NOUN
elp-55194	103	3	is	be	AUX
elp-55194	103	4	one	one	NUM
elp-55194	103	5	of	of	ADP
elp-55194	103	6	four	four	NUM
elp-55194	103	7	known	know	VERB
elp-55194	103	8	uwo	uwo	NOUN
elp-55194	103	9	cases	case	NOUN
elp-55194	103	10	to	to	PART
elp-55194	103	11	have	have	AUX
elp-55194	103	12	failed	fail	VERB
elp-55194	103	13	completely	completely	ADV
elp-55194	103	14	.	.	PUNCT
elp-55194	104	1	in	in	ADP
elp-55194	104	2	particular	particular	ADJ
elp-55194	104	3	,	,	PUNCT
elp-55194	104	4	when	when	SCONJ
elp-55194	104	5	applying	apply	VERB
elp-55194	104	6	for	for	ADP
elp-55194	104	7	the	the	DET
elp-55194	104	8	uwo	uwo	PROPN
elp-55194	104	9	,	,	PUNCT
elp-55194	104	10	nca	nca	PROPN
elp-55194	104	11	claimed	claim	VERB
elp-55194	104	12	that	that	SCONJ
elp-55194	104	13	some	some	PRON
elp-55194	104	14	of	of	ADP
elp-55194	104	15	hajiyeva‟s	hajiyeva‟s	ADJ
elp-55194	104	16	assets	asset	NOUN
elp-55194	104	17	were	be	AUX
elp-55194	104	18	of	of	ADP
elp-55194	104	19	dubious	dubious	ADJ
elp-55194	104	20	origin	origin	NOUN
elp-55194	104	21	,	,	PUNCT
elp-55194	104	22	and	and	CCONJ
elp-55194	104	23	therefore	therefore	ADV
elp-55194	104	24	asked	ask	VERB
elp-55194	104	25	her	she	PRON
elp-55194	104	26	to	to	PART
elp-55194	104	27	explain	explain	VERB
elp-55194	104	28	how	how	SCONJ
elp-55194	104	29	she	she	PRON
elp-55194	104	30	could	could	AUX
elp-55194	104	31	afford	afford	VERB
elp-55194	104	32	them	they	PRON
elp-55194	104	33	.	.	PUNCT
elp-55194	105	1	however	however	ADV
elp-55194	105	2	,	,	PUNCT
elp-55194	105	3	the	the	DET
elp-55194	105	4	key	key	ADJ
elp-55194	105	5	issues	issue	NOUN
elp-55194	105	6	in	in	ADP
elp-55194	105	7	the	the	DET
elp-55194	105	8	case	case	NOUN
elp-55194	105	9	centred	centre	VERB
elp-55194	105	10	on	on	ADP
elp-55194	105	11	whether	whether	SCONJ
elp-55194	105	12	nca	nca	PROPN
elp-55194	105	13	had	have	AUX
elp-55194	105	14	used	use	VERB
elp-55194	105	15	the	the	DET
elp-55194	105	16	uwo	uwo	NOUN
elp-55194	105	17	tool	tool	NOUN
elp-55194	105	18	correctly	correctly	ADV
elp-55194	105	19	and	and	CCONJ
elp-55194	105	20	whether	whether	SCONJ
elp-55194	105	21	its	its	PRON
elp-55194	105	22	judgement	judgement	NOUN
elp-55194	105	23	on	on	ADP
elp-55194	105	24	hajiyeva‟s	hajiyeva‟s	PUNCT
elp-55194	105	25	property	property	NOUN
elp-55194	105	26	complied	comply	VERB
elp-55194	105	27	with	with	ADP
elp-55194	105	28	the	the	DET
elp-55194	105	29	law	law	NOUN
elp-55194	105	30	.	.	PUNCT
elp-55194	106	1	the	the	DET
elp-55194	106	2	court	court	NOUN
elp-55194	106	3	found	find	VERB
elp-55194	106	4	the	the	DET
elp-55194	106	5	nca	nca	NOUN
elp-55194	106	6	procedurally	procedurally	ADV
elp-55194	106	7	improper	improper	ADJ
elp-55194	106	8	in	in	ADP
elp-55194	106	9	some	some	DET
elp-55194	106	10	respects	respect	NOUN
elp-55194	106	11	,	,	PUNCT
elp-55194	106	12	particularly	particularly	ADV
elp-55194	106	13	in	in	ADP
elp-55194	106	14	relation	relation	NOUN
elp-55194	106	15	to	to	ADP
elp-55194	106	16	the	the	DET
elp-55194	106	17	question	question	NOUN
elp-55194	106	18	of	of	ADP
elp-55194	106	19	beneficial	beneficial	ADJ
elp-55194	106	20	ownership	ownership	NOUN
elp-55194	106	21	of	of	ADP
elp-55194	106	22	the	the	DET
elp-55194	106	23	property	property	NOUN
elp-55194	106	24	and	and	CCONJ
elp-55194	106	25	the	the	DET
elp-55194	106	26	associated	associated	ADJ
elp-55194	106	27	legality	legality	NOUN
elp-55194	106	28	,	,	PUNCT
elp-55194	106	29	for	for	ADP
elp-55194	106	30	which	which	PRON
elp-55194	106	31	it	it	PRON
elp-55194	106	32	did	do	AUX
elp-55194	106	33	not	not	PART
elp-55194	106	34	provide	provide	VERB
elp-55194	106	35	sufficient	sufficient	ADJ
elp-55194	106	36	evidence	evidence	NOUN
elp-55194	106	37	.	.	PUNCT
elp-55194	107	1	this	this	PRON
elp-55194	107	2	was	be	AUX
elp-55194	107	3	largely	largely	ADV
elp-55194	107	4	due	due	ADJ
elp-55194	107	5	to	to	ADP
elp-55194	107	6	disputes	dispute	NOUN
elp-55194	107	7	over	over	ADP
elp-55194	107	8	the	the	DET
elp-55194	107	9	legality	legality	NOUN
elp-55194	107	10	of	of	ADP
elp-55194	107	11	the	the	DET
elp-55194	107	12	source	source	NOUN
elp-55194	107	13	of	of	ADP
elp-55194	107	14	the	the	DET
elp-55194	107	15	ra	ra	PROPN
elp-55194	107	16	property	property	NOUN
elp-55194	107	17	,	,	PUNCT
elp-55194	107	18	the	the	DET
elp-55194	107	19	complexity	complexity	NOUN
elp-55194	107	20	of	of	ADP
elp-55194	107	21	ownership	ownership	NOUN
elp-55194	107	22	of	of	ADP
elp-55194	107	23	ra	ra	PROPN
elp-55194	107	24	assets	asset	NOUN
elp-55194	107	25	,	,	PUNCT
elp-55194	107	26	and	and	CCONJ
elp-55194	107	27	issues	issue	NOUN
elp-55194	107	28	of	of	ADP
elp-55194	107	29	procedural	procedural	ADJ
elp-55194	107	30	justice	justice	NOUN
elp-55194	107	31	.	.	PUNCT
elp-55194	108	1	nca	nca	PROPN
elp-55194	108	2	had	have	AUX
elp-55194	108	3	failed	fail	VERB
elp-55194	108	4	to	to	PART
elp-55194	108	5	adequately	adequately	ADV
elp-55194	108	6	prove	prove	VERB
elp-55194	108	7	a	a	DET
elp-55194	108	8	reasonable	reasonable	ADJ
elp-55194	108	9	suspicion	suspicion	NOUN
elp-55194	108	10	of	of	ADP
elp-55194	108	11	illegality	illegality	NOUN
elp-55194	108	12	with	with	ADP
elp-55194	108	13	respect	respect	NOUN
elp-55194	108	14	to	to	ADP
elp-55194	108	15	certain	certain	ADJ
elp-55194	108	16	of	of	ADP
elp-55194	108	17	hajiyeva‟s	hajiyeva‟s	ADJ
elp-55194	108	18	assets	asset	NOUN
elp-55194	108	19	in	in	ADP
elp-55194	108	20	the	the	DET
elp-55194	108	21	case	case	NOUN
elp-55194	108	22	.	.	PUNCT
elp-55194	109	1	hajiyeva‟s	hajiyeva‟s	ADJ
elp-55194	109	2	team	team	NOUN
elp-55194	109	3	of	of	ADP
elp-55194	109	4	lawyers	lawyer	NOUN
elp-55194	109	5	successfully	successfully	ADV
elp-55194	109	6	challenged	challenge	VERB
elp-55194	109	7	nca‟s	nca‟s	X
elp-55194	109	8	assertion	assertion	NOUN
elp-55194	109	9	that	that	SCONJ
elp-55194	109	10	the	the	DET
elp-55194	109	11	property	property	NOUN
elp-55194	109	12	had	have	AUX
elp-55194	109	13	not	not	PART
elp-55194	109	14	been	be	AUX
elp-55194	109	15	acquired	acquire	VERB
elp-55194	109	16	by	by	ADP
elp-55194	109	17	illegal	illegal	ADJ
elp-55194	109	18	means	mean	NOUN
elp-55194	109	19	,	,	PUNCT
elp-55194	109	20	and	and	CCONJ
elp-55194	109	21	that	that	SCONJ
elp-55194	109	22	the	the	DET
elp-55194	109	23	uwo	uwo	NOUN
elp-55194	109	24	should	should	AUX
elp-55194	109	25	therefore	therefore	ADV
elp-55194	109	26	not	not	PART
elp-55194	109	27	have	have	AUX
elp-55194	109	28	been	be	AUX
elp-55194	109	29	applied	apply	VERB
elp-55194	109	30	.	.	PUNCT
elp-55194	110	1	the	the	DET
elp-55194	110	2	court	court	NOUN
elp-55194	110	3	was	be	AUX
elp-55194	110	4	sceptical	sceptical	ADJ
elp-55194	110	5	of	of	ADP
elp-55194	110	6	nca‟s	nca‟s	NUM
elp-55194	110	7	chain	chain	NOUN
elp-55194	110	8	of	of	ADP
elp-55194	110	9	evidence	evidence	NOUN
elp-55194	110	10	and	and	CCONJ
elp-55194	110	11	reasoning	reasoning	NOUN
elp-55194	110	12	,	,	PUNCT
elp-55194	110	13	finding	find	VERB
elp-55194	110	14	them	they	PRON
elp-55194	110	15	insufficient	insufficient	ADJ
elp-55194	110	16	to	to	PART
elp-55194	110	17	support	support	VERB
elp-55194	110	18	the	the	DET
elp-55194	110	19	decision	decision	NOUN
elp-55194	110	20	to	to	PART
elp-55194	110	21	freeze	freeze	VERB
elp-55194	110	22	the	the	DET
elp-55194	110	23	property	property	NOUN
elp-55194	110	24	.	.	PUNCT
elp-55194	111	1	another	another	DET
elp-55194	111	2	key	key	ADJ
elp-55194	111	3	factor	factor	NOUN
elp-55194	111	4	was	be	AUX
elp-55194	111	5	the	the	DET
elp-55194	111	6	complex	complex	ADJ
elp-55194	111	7	ownership	ownership	NOUN
elp-55194	111	8	structure	structure	NOUN
elp-55194	111	9	involved	involve	VERB
elp-55194	111	10	in	in	ADP
elp-55194	111	11	some	some	PRON
elp-55194	111	12	of	of	ADP
elp-55194	111	13	the	the	DET
elp-55194	111	14	property	property	NOUN
elp-55194	111	15	owned	own	VERB
elp-55194	111	16	by	by	ADP
elp-55194	111	17	hajiyeva	hajiyeva	PROPN
elp-55194	111	18	.	.	PUNCT
elp-55194	112	1	some	some	PRON
elp-55194	112	2	of	of	ADP
elp-55194	112	3	the	the	DET
elp-55194	112	4	assets	asset	NOUN
elp-55194	112	5	were	be	AUX
elp-55194	112	6	not	not	PART
elp-55194	112	7	owned	own	VERB
elp-55194	112	8	by	by	ADP
elp-55194	112	9	her	she	PRON
elp-55194	112	10	directly	directly	ADV
elp-55194	112	11	,	,	PUNCT
elp-55194	112	12	but	but	CCONJ
elp-55194	112	13	through	through	ADP
elp-55194	112	14	trusts	trust	NOUN
elp-55194	112	15	or	or	CCONJ
elp-55194	112	16	corporate	corporate	ADJ
elp-55194	112	17	holdings	holding	NOUN
elp-55194	112	18	.	.	PUNCT
elp-55194	113	1	this	this	PRON
elp-55194	113	2	made	make	VERB
elp-55194	113	3	it	it	PRON
elp-55194	113	4	difficult	difficult	ADJ
elp-55194	113	5	for	for	SCONJ
elp-55194	113	6	the	the	DET
elp-55194	113	7	court	court	NOUN
elp-55194	113	8	to	to	PART
elp-55194	113	9	determine	determine	VERB
elp-55194	113	10	whether	whether	SCONJ
elp-55194	113	11	the	the	DET
elp-55194	113	12	property	property	NOUN
elp-55194	113	13	should	should	AUX
elp-55194	113	14	be	be	AUX
elp-55194	113	15	attributed	attribute	VERB
elp-55194	113	16	to	to	ADP
elp-55194	113	17	hajiyeva	hajiyeva	NOUN
elp-55194	113	18	,	,	PUNCT
elp-55194	113	19	finding	find	VERB
elp-55194	113	20	that	that	SCONJ
elp-55194	113	21	nca	nca	PROPN
elp-55194	113	22	had	have	AUX
elp-55194	113	23	failed	fail	VERB
elp-55194	113	24	to	to	PART
elp-55194	113	25	accurately	accurately	ADV
elp-55194	113	26	identify	identify	VERB
elp-55194	113	27	who	who	PRON
elp-55194	113	28	the	the	DET
elp-55194	113	29	true	true	ADJ
elp-55194	113	30	owner	owner	NOUN
elp-55194	113	31	of	of	ADP
elp-55194	113	32	the	the	DET
elp-55194	113	33	assets	asset	NOUN
elp-55194	113	34	was	be	AUX
elp-55194	113	35	.	.	PUNCT
elp-55194	114	1	the	the	DET
elp-55194	114	2	court	court	NOUN
elp-55194	114	3	also	also	ADV
elp-55194	114	4	challenged	challenge	VERB
elp-55194	114	5	nca‟s	nca‟s	NUM
elp-55194	114	6	procedures	procedure	NOUN
elp-55194	114	7	in	in	ADP
elp-55194	114	8	applying	apply	VERB
elp-55194	114	9	for	for	ADP
elp-55194	114	10	the	the	DET
elp-55194	114	11	uwo	uwo	NOUN
elp-55194	114	12	,	,	PUNCT
elp-55194	114	13	finding	find	VERB
elp-55194	114	14	that	that	SCONJ
elp-55194	114	15	some	some	PRON
elp-55194	114	16	of	of	ADP
elp-55194	114	17	the	the	DET
elp-55194	114	18	procedural	procedural	ADJ
elp-55194	114	19	deficiencies	deficiency	NOUN
elp-55194	114	20	may	may	AUX
elp-55194	114	21	have	have	AUX
elp-55194	114	22	violated	violate	VERB
elp-55194	114	23	hajiyeva‟s	hajiyeva‟s	ADV
elp-55194	114	24	legitimate	legitimate	ADJ
elp-55194	114	25	legal	legal	ADJ
elp-55194	114	26	rights	right	NOUN
elp-55194	114	27	.	.	PUNCT
elp-55194	115	1	for	for	ADP
elp-55194	115	2	example	example	NOUN
elp-55194	115	3	,	,	PUNCT
elp-55194	115	4	in	in	ADP
elp-55194	115	5	some	some	DET
elp-55194	115	6	instances	instance	NOUN
elp-55194	115	7	,	,	PUNCT
elp-55194	115	8	nca	nca	PROPN
elp-55194	115	9	may	may	AUX
elp-55194	115	10	have	have	AUX
elp-55194	115	11	failed	fail	VERB
elp-55194	115	12	to	to	PART
elp-55194	115	13	give	give	VERB
elp-55194	115	14	hajiyeva	hajiyeva	PROPN
elp-55194	115	15	an	an	DET
elp-55194	115	16	adequate	adequate	ADJ
elp-55194	115	17	opportunity	opportunity	NOUN
elp-55194	115	18	to	to	PART
elp-55194	115	19	respond	respond	VERB
elp-55194	115	20	to	to	ADP
elp-55194	115	21	the	the	DET
elp-55194	115	22	allegations	allegation	NOUN
elp-55194	115	23	or	or	CCONJ
elp-55194	115	24	may	may	AUX
elp-55194	115	25	have	have	AUX
elp-55194	115	26	failed	fail	VERB
elp-55194	115	27	to	to	PART
elp-55194	115	28	follow	follow	VERB
elp-55194	115	29	certain	certain	ADJ
elp-55194	115	30	required	require	VERB
elp-55194	115	31	legal	legal	ADJ
elp-55194	115	32	procedures	procedure	NOUN
elp-55194	115	33	,	,	PUNCT
elp-55194	115	34	resulting	result	VERB
elp-55194	115	35	in	in	ADP
elp-55194	115	36	the	the	DET
elp-55194	115	37	decision	decision	NOUN
elp-55194	115	38	to	to	PART
elp-55194	115	39	freeze	freeze	VERB
elp-55194	115	40	some	some	PRON
elp-55194	115	41	of	of	ADP
elp-55194	115	42	the	the	DET
elp-55194	115	43	assets	asset	NOUN
elp-55194	115	44	being	be	AUX
elp-55194	115	45	deemed	deem	VERB
elp-55194	115	46	unlawful	unlawful	ADJ
elp-55194	115	47	.	.	PUNCT
elp-55194	116	1	the	the	DET
elp-55194	116	2	use	use	NOUN
elp-55194	116	3	of	of	ADP
elp-55194	116	4	the	the	DET
elp-55194	116	5	uwo	uwo	NOUN
elp-55194	116	6	in	in	ADP
elp-55194	116	7	the	the	DET
elp-55194	116	8	ra	ra	PROPN
elp-55194	116	9	case	case	NOUN
elp-55194	116	10	thus	thus	ADV
elp-55194	116	11	reveals	reveal	VERB
elp-55194	116	12	the	the	DET
elp-55194	116	13	potential	potential	NOUN
elp-55194	116	14	of	of	ADP
elp-55194	116	15	the	the	DET
elp-55194	116	16	tool	tool	NOUN
elp-55194	116	17	for	for	ADP
elp-55194	116	18	tracing	trace	VERB
elp-55194	116	19	unexplained	unexplained	ADJ
elp-55194	116	20	wealth	wealth	NOUN
elp-55194	116	21	,	,	PUNCT
elp-55194	116	22	but	but	CCONJ
elp-55194	116	23	also	also	ADV
elp-55194	116	24	exposes	expose	VERB
elp-55194	116	25	its	its	PRON
elp-55194	116	26	limitations	limitation	NOUN
elp-55194	116	27	at	at	ADP
elp-55194	116	28	the	the	DET
elp-55194	116	29	legal	legal	ADJ
elp-55194	116	30	and	and	CCONJ
elp-55194	116	31	procedural	procedural	ADJ
elp-55194	116	32	levels	level	NOUN
elp-55194	116	33	.	.	PUNCT
elp-55194	117	1	while	while	SCONJ
elp-55194	117	2	the	the	DET
elp-55194	117	3	uwo	uwo	NOUN
elp-55194	117	4	offers	offer	VERB
elp-55194	117	5	the	the	DET
elp-55194	117	6	uk	uk	PROPN
elp-55194	117	7	government	government	NOUN
elp-55194	117	8	a	a	DET
elp-55194	117	9	new	new	ADJ
elp-55194	117	10	way	way	NOUN
elp-55194	117	11	to	to	PART
elp-55194	117	12	effectively	effectively	ADV
elp-55194	117	13	combat	combat	VERB
elp-55194	117	14	money	money	NOUN
elp-55194	117	15	laundering	laundering	NOUN
elp-55194	117	16	and	and	CCONJ
elp-55194	117	17	corruption	corruption	NOUN
elp-55194	117	18	,	,	PUNCT
elp-55194	117	19	its	its	PRON
elp-55194	117	20	successful	successful	ADJ
elp-55194	117	21	implementation	implementation	NOUN
elp-55194	117	22	depends	depend	VERB
elp-55194	117	23	on	on	ADP
elp-55194	117	24	the	the	DET
elp-55194	117	25	specific	specific	ADJ
elp-55194	117	26	complexity	complexity	NOUN
elp-55194	117	27	of	of	ADP
elp-55194	117	28	the	the	DET
elp-55194	117	29	case	case	NOUN
elp-55194	117	30	,	,	PUNCT
elp-55194	117	31	the	the	DET
elp-55194	117	32	structure	structure	NOUN
elp-55194	117	33	of	of	ADP
elp-55194	117	34	the	the	DET
elp-55194	117	35	asset	asset	NOUN
elp-55194	117	36	holdings	holding	NOUN
elp-55194	117	37	,	,	PUNCT
elp-55194	117	38	and	and	CCONJ
elp-55194	117	39	the	the	DET
elp-55194	117	40	ability	ability	NOUN
elp-55194	117	41	of	of	ADP
elp-55194	117	42	law	law	NOUN
elp-55194	117	43	enforcement	enforcement	NOUN
elp-55194	117	44	agencies	agency	NOUN
elp-55194	117	45	to	to	PART
elp-55194	117	46	adhere	adhere	VERB
elp-55194	117	47	strictly	strictly	ADV
elp-55194	117	48	to	to	ADP
elp-55194	117	49	legal	legal	ADJ
elp-55194	117	50	procedures	procedure	NOUN
elp-55194	117	51	.	.	PUNCT
elp-55194	118	1	the	the	DET
elp-55194	118	2	ra	ra	PROPN
elp-55194	118	3	case	case	NOUN
elp-55194	118	4	demonstrates	demonstrate	VERB
elp-55194	118	5	that	that	SCONJ
elp-55194	118	6	,	,	PUNCT
elp-55194	118	7	while	while	SCONJ
elp-55194	118	8	the	the	DET
elp-55194	118	9	uwo	uwo	NOUN
elp-55194	118	10	is	be	AUX
elp-55194	118	11	a	a	DET
elp-55194	118	12	potent	potent	ADJ
elp-55194	118	13	tool	tool	NOUN
elp-55194	118	14	,	,	PUNCT
elp-55194	118	15	there	there	PRON
elp-55194	118	16	are	be	VERB
elp-55194	118	17	a	a	DET
elp-55194	118	18	number	number	NOUN
elp-55194	118	19	of	of	ADP
elp-55194	118	20	legal	legal	ADJ
elp-55194	118	21	and	and	CCONJ
elp-55194	118	22	practical	practical	ADJ
elp-55194	118	23	hurdles	hurdle	NOUN
elp-55194	118	24	that	that	PRON
elp-55194	118	25	still	still	ADV
elp-55194	118	26	need	need	VERB
elp-55194	118	27	to	to	PART
elp-55194	118	28	be	be	AUX
elp-55194	118	29	overcome	overcome	VERB
elp-55194	118	30	in	in	ADP
elp-55194	118	31	practice	practice	NOUN
elp-55194	118	32	.	.	PUNCT
elp-55194	119	1	it	it	PRON
elp-55194	119	2	has	have	AUX
elp-55194	119	3	been	be	AUX
elp-55194	119	4	argued	argue	VERB
elp-55194	119	5	that	that	SCONJ
elp-55194	119	6	uwo	uwo	PROPN
elp-55194	119	7	has	have	AUX
elp-55194	119	8	failed	fail	VERB
elp-55194	119	9	as	as	ADP
elp-55194	119	10	a	a	DET
elp-55194	119	11	specific	specific	ADJ
elp-55194	119	12	tool	tool	NOUN
elp-55194	119	13	in	in	ADP
elp-55194	119	14	the	the	DET
elp-55194	119	15	aml	aml	PROPN
elp-55194	119	16	regime	regime	NOUN
elp-55194	119	17	(	(	PUNCT
elp-55194	119	18	note	note	NOUN
elp-55194	119	19	17	17	NUM
elp-55194	119	20	)	)	PUNCT
elp-55194	119	21	.	.	PUNCT
elp-55194	120	1	however	however	ADV
elp-55194	120	2	in	in	ADP
elp-55194	120	3	the	the	DET
elp-55194	120	4	asset	asset	NOUN
elp-55194	120	5	recovery	recovery	NOUN
elp-55194	120	6	statistical	statistical	ADJ
elp-55194	120	7	bulletin	bulletin	NOUN
elp-55194	120	8	published	publish	VERB
elp-55194	120	9	by	by	ADP
elp-55194	120	10	the	the	DET
elp-55194	120	11	uk	uk	PROPN
elp-55194	120	12	government	government	NOUN
elp-55194	120	13	2023	2023	NUM
elp-55194	120	14	(	(	PUNCT
elp-55194	120	15	for	for	ADP
elp-55194	120	16	the	the	DET
elp-55194	120	17	financial	financial	ADJ
elp-55194	120	18	year	year	NOUN
elp-55194	120	19	ending	end	VERB
elp-55194	120	20	march	march	PROPN
elp-55194	120	21	2018	2018	NUM
elp-55194	120	22	to	to	ADP
elp-55194	120	23	march	march	PROPN
elp-55194	120	24	2023	2023	NUM
elp-55194	120	25	)	)	PUNCT
elp-55194	120	26	,	,	PUNCT
elp-55194	120	27	it	it	PRON
elp-55194	120	28	is	be	AUX
elp-55194	120	29	shown	show	VERB
elp-55194	120	30	that	that	SCONJ
elp-55194	120	31	in	in	ADP
elp-55194	120	32	the	the	DET
elp-55194	120	33	financial	financial	ADJ
elp-55194	120	34	year	year	NOUN
elp-55194	120	35	2022	2022	NUM
elp-55194	120	36	-	-	SYM
elp-55194	120	37	2023	2023	NUM
elp-55194	120	38	,	,	PUNCT
elp-55194	120	39	£	£	SYM
elp-55194	120	40	62.9	62.9	NUM
elp-55194	120	41	million	million	NUM
elp-55194	120	42	was	be	AUX
elp-55194	120	43	recovered	recover	VERB
elp-55194	120	44	under	under	ADP
elp-55194	120	45	civil	civil	ADJ
elp-55194	120	46	recovery	recovery	NOUN
elp-55194	120	47	orders	order	NOUN
elp-55194	120	48	,	,	PUNCT
elp-55194	120	49	a	a	DET
elp-55194	120	50	growth	growth	NOUN
elp-55194	120	51	rate	rate	NOUN
elp-55194	120	52	of	of	ADP
elp-55194	120	53	544	544	NUM
elp-55194	120	54	per	per	NOUN
elp-55194	120	55	cent	cent	NOUN
elp-55194	120	56	from	from	ADP
elp-55194	120	57	£	£	SYM
elp-55194	120	58	9.8	9.8	NUM
elp-55194	120	59	million	million	NUM
elp-55194	120	60	in	in	ADP
elp-55194	120	61	the	the	DET
elp-55194	120	62	previous	previous	ADJ
elp-55194	120	63	www.scholink.org/ojs/index.php/elp	www.scholink.org/ojs/index.php/elp	NOUN
elp-55194	120	64	economics	economic	NOUN
elp-55194	120	65	,	,	PUNCT
elp-55194	120	66	law	law	NOUN
elp-55194	120	67	and	and	CCONJ
elp-55194	120	68	policy	policy	NOUN
elp-55194	120	69	vol	vol	NOUN
elp-55194	120	70	.	.	PUNCT
elp-55194	121	1	7	7	NUM
elp-55194	121	2	,	,	PUNCT
elp-55194	121	3	no	no	INTJ
elp-55194	121	4	.	.	NOUN
elp-55194	121	5	3	3	NUM
elp-55194	121	6	,	,	PUNCT
elp-55194	121	7	2024	2024	NUM
elp-55194	121	8	49	49	NUM
elp-55194	121	9	published	publish	VERB
elp-55194	121	10	by	by	ADP
elp-55194	121	11	scholink	scholink	PROPN
elp-55194	121	12	inc	inc	PROPN
elp-55194	121	13	.	.	PROPN
elp-55194	121	14	financial	financial	ADJ
elp-55194	121	15	year	year	NOUN
elp-55194	121	16	(	(	PUNCT
elp-55194	121	17	note	note	NOUN
elp-55194	121	18	18	18	NUM
elp-55194	121	19	)	)	PUNCT
elp-55194	121	20	.	.	PUNCT
elp-55194	122	1	thus	thus	ADV
elp-55194	122	2	,	,	PUNCT
elp-55194	122	3	rather	rather	ADV
elp-55194	122	4	than	than	ADP
elp-55194	122	5	looking	look	VERB
elp-55194	122	6	at	at	ADP
elp-55194	122	7	a	a	DET
elp-55194	122	8	handful	handful	NOUN
elp-55194	122	9	of	of	ADP
elp-55194	122	10	failures	failure	NOUN
elp-55194	122	11	and	and	CCONJ
elp-55194	122	12	judging	judge	VERB
elp-55194	122	13	the	the	DET
elp-55194	122	14	ineffectiveness	ineffectiveness	NOUN
elp-55194	122	15	of	of	ADP
elp-55194	122	16	aml	aml	NOUN
elp-55194	122	17	tools	tool	NOUN
elp-55194	122	18	,	,	PUNCT
elp-55194	122	19	we	we	PRON
elp-55194	122	20	can	can	AUX
elp-55194	122	21	start	start	VERB
elp-55194	122	22	with	with	ADP
elp-55194	122	23	the	the	DET
elp-55194	122	24	data	datum	NOUN
elp-55194	122	25	to	to	PART
elp-55194	122	26	see	see	VERB
elp-55194	122	27	if	if	SCONJ
elp-55194	122	28	the	the	DET
elp-55194	122	29	aml	aml	NOUN
elp-55194	122	30	system	system	NOUN
elp-55194	122	31	is	be	AUX
elp-55194	122	32	actually	actually	ADV
elp-55194	122	33	fulfilling	fulfil	VERB
elp-55194	122	34	the	the	DET
elp-55194	122	35	original	original	ADJ
elp-55194	122	36	purpose	purpose	NOUN
elp-55194	122	37	of	of	ADP
elp-55194	122	38	anti	anti	ADJ
elp-55194	122	39	-	-	ADJ
elp-55194	122	40	money	money	ADJ
elp-55194	122	41	laundering	laundering	NOUN
elp-55194	122	42	.	.	PUNCT
elp-55194	123	1	which	which	PRON
elp-55194	123	2	means	mean	VERB
elp-55194	123	3	that	that	SCONJ
elp-55194	123	4	if	if	SCONJ
elp-55194	123	5	the	the	DET
elp-55194	123	6	anti	anti	ADJ
elp-55194	123	7	-	-	ADJ
elp-55194	123	8	money	money	ADJ
elp-55194	123	9	laundering	laundering	NOUN
elp-55194	123	10	system	system	NOUN
elp-55194	123	11	combats	combat	VERB
elp-55194	123	12	money	money	NOUN
elp-55194	123	13	laundering	laundering	NOUN
elp-55194	123	14	and	and	CCONJ
elp-55194	123	15	achieves	achieve	VERB
elp-55194	123	16	certain	certain	ADJ
elp-55194	123	17	results	result	NOUN
elp-55194	123	18	,	,	PUNCT
elp-55194	123	19	then	then	ADV
elp-55194	123	20	it	it	PRON
elp-55194	123	21	is	be	AUX
elp-55194	123	22	effective	effective	ADJ
elp-55194	123	23	.	.	PUNCT
elp-55194	124	1	4	4	X
elp-55194	124	2	.	.	X
elp-55194	124	3	how	how	SCONJ
elp-55194	124	4	to	to	PART
elp-55194	124	5	improve	improve	VERB
elp-55194	124	6	aml	aml	NOUN
elp-55194	124	7	system	system	NOUN
elp-55194	124	8	?	?	PUNCT
elp-55194	125	1	4.1	4.1	NUM
elp-55194	125	2	focus	focus	NOUN
elp-55194	125	3	on	on	ADP
elp-55194	125	4	regtech	regtech	NOUN
elp-55194	125	5	as	as	SCONJ
elp-55194	125	6	mentioned	mention	VERB
elp-55194	125	7	previously	previously	ADV
elp-55194	125	8	,	,	PUNCT
elp-55194	125	9	aml	aml	PROPN
elp-55194	125	10	compliance	compliance	NOUN
elp-55194	125	11	costs	cost	NOUN
elp-55194	125	12	account	account	VERB
elp-55194	125	13	for	for	ADP
elp-55194	125	14	only	only	ADV
elp-55194	125	15	30	30	NUM
elp-55194	125	16	%	%	NOUN
elp-55194	125	17	of	of	ADP
elp-55194	125	18	technology	technology	NOUN
elp-55194	125	19	investment	investment	NOUN
elp-55194	125	20	,	,	PUNCT
elp-55194	125	21	with	with	ADP
elp-55194	125	22	the	the	DET
elp-55194	125	23	majority	majority	NOUN
elp-55194	125	24	of	of	ADP
elp-55194	125	25	costs	cost	NOUN
elp-55194	125	26	spent	spend	VERB
elp-55194	125	27	on	on	ADP
elp-55194	125	28	labour	labour	NOUN
elp-55194	125	29	and	and	CCONJ
elp-55194	125	30	compliance	compliance	NOUN
elp-55194	125	31	training	training	NOUN
elp-55194	125	32	costs	cost	NOUN
elp-55194	125	33	,	,	PUNCT
elp-55194	125	34	demonstrating	demonstrate	VERB
elp-55194	125	35	the	the	DET
elp-55194	125	36	problem	problem	NOUN
elp-55194	125	37	of	of	ADP
elp-55194	125	38	under	under	NOUN
elp-55194	125	39	-	-	PUNCT
elp-55194	125	40	investment	investment	NOUN
elp-55194	125	41	in	in	ADP
elp-55194	125	42	technology	technology	NOUN
elp-55194	125	43	.	.	PUNCT
elp-55194	126	1	consequently	consequently	ADV
elp-55194	126	2	,	,	PUNCT
elp-55194	126	3	the	the	DET
elp-55194	126	4	uk	uk	PROPN
elp-55194	126	5	should	should	AUX
elp-55194	126	6	invest	invest	VERB
elp-55194	126	7	more	more	ADV
elp-55194	126	8	in	in	ADP
elp-55194	126	9	regtech	regtech	NOUN
elp-55194	126	10	,	,	PUNCT
elp-55194	126	11	using	use	VERB
elp-55194	126	12	artificial	artificial	ADJ
elp-55194	126	13	intelligence	intelligence	NOUN
elp-55194	126	14	and	and	CCONJ
elp-55194	126	15	big	big	ADJ
elp-55194	126	16	data	datum	NOUN
elp-55194	126	17	analytics	analytic	NOUN
elp-55194	126	18	to	to	PART
elp-55194	126	19	automate	automate	VERB
elp-55194	126	20	the	the	DET
elp-55194	126	21	process	process	NOUN
elp-55194	126	22	of	of	ADP
elp-55194	126	23	detecting	detect	VERB
elp-55194	126	24	and	and	CCONJ
elp-55194	126	25	reporting	report	VERB
elp-55194	126	26	suspicious	suspicious	ADJ
elp-55194	126	27	transactions	transaction	NOUN
elp-55194	126	28	.	.	PUNCT
elp-55194	127	1	regtech	regtech	PROPN
elp-55194	127	2	is	be	AUX
elp-55194	127	3	an	an	DET
elp-55194	127	4	abbreviation	abbreviation	NOUN
elp-55194	127	5	for	for	ADP
elp-55194	127	6	regulation	regulation	NOUN
elp-55194	127	7	and	and	CCONJ
elp-55194	127	8	technology	technology	NOUN
elp-55194	127	9	,	,	PUNCT
elp-55194	127	10	meaning	mean	VERB
elp-55194	127	11	it	it	PRON
elp-55194	127	12	is	be	AUX
elp-55194	127	13	a	a	DET
elp-55194	127	14	reliance	reliance	NOUN
elp-55194	127	15	on	on	ADP
elp-55194	127	16	technology	technology	NOUN
elp-55194	127	17	for	for	ADP
elp-55194	127	18	regulatory	regulatory	ADJ
elp-55194	127	19	and	and	CCONJ
elp-55194	127	20	compliance	compliance	NOUN
elp-55194	127	21	purposes	purpose	NOUN
elp-55194	127	22	(	(	PUNCT
elp-55194	127	23	note	note	NOUN
elp-55194	127	24	19	19	NUM
elp-55194	127	25	)	)	PUNCT
elp-55194	127	26	.	.	PUNCT
elp-55194	128	1	regtech	regtech	PROPN
elp-55194	128	2	can	can	AUX
elp-55194	128	3	better	well	ADV
elp-55194	128	4	detect	detect	VERB
elp-55194	128	5	criminals	criminal	NOUN
elp-55194	128	6	by	by	ADP
elp-55194	128	7	automating	automate	VERB
elp-55194	128	8	the	the	DET
elp-55194	128	9	identification	identification	NOUN
elp-55194	128	10	of	of	ADP
elp-55194	128	11	suspicious	suspicious	ADJ
elp-55194	128	12	transactions	transaction	NOUN
elp-55194	128	13	.	.	PUNCT
elp-55194	129	1	meanwhile	meanwhile	ADV
elp-55194	129	2	regtech	regtech	PROPN
elp-55194	129	3	will	will	AUX
elp-55194	129	4	also	also	ADV
elp-55194	129	5	simplify	simplify	VERB
elp-55194	129	6	the	the	DET
elp-55194	129	7	kyc	kyc	PROPN
elp-55194	129	8	and	and	CCONJ
elp-55194	129	9	cdd	cdd	PROPN
elp-55194	129	10	process	process	NOUN
elp-55194	129	11	as	as	SCONJ
elp-55194	129	12	it	it	PRON
elp-55194	129	13	provides	provide	VERB
elp-55194	129	14	tools	tool	NOUN
elp-55194	129	15	that	that	PRON
elp-55194	129	16	are	be	AUX
elp-55194	129	17	aligned	align	VERB
elp-55194	129	18	with	with	ADP
elp-55194	129	19	the	the	DET
elp-55194	129	20	digital	digital	ADJ
elp-55194	129	21	transformation	transformation	NOUN
elp-55194	129	22	of	of	ADP
elp-55194	129	23	the	the	DET
elp-55194	129	24	financial	financial	ADJ
elp-55194	129	25	services	service	NOUN
elp-55194	129	26	industry	industry	NOUN
elp-55194	129	27	.	.	PUNCT
elp-55194	130	1	and	and	CCONJ
elp-55194	130	2	regtech	regtech	PROPN
elp-55194	130	3	will	will	AUX
elp-55194	130	4	enable	enable	VERB
elp-55194	130	5	regulators	regulator	NOUN
elp-55194	130	6	to	to	PART
elp-55194	130	7	respond	respond	VERB
elp-55194	130	8	adequately	adequately	ADV
elp-55194	130	9	to	to	ADP
elp-55194	130	10	emerging	emerge	VERB
elp-55194	130	11	financial	financial	ADJ
elp-55194	130	12	risks	risk	NOUN
elp-55194	130	13	by	by	ADP
elp-55194	130	14	providing	provide	VERB
elp-55194	130	15	more	more	ADV
elp-55194	130	16	accurate	accurate	ADJ
elp-55194	130	17	and	and	CCONJ
elp-55194	130	18	timely	timely	ADJ
elp-55194	130	19	data	datum	NOUN
elp-55194	130	20	reporting	reporting	NOUN
elp-55194	130	21	.	.	PUNCT
elp-55194	131	1	between	between	ADP
elp-55194	131	2	2013	2013	NUM
elp-55194	131	3	and	and	CCONJ
elp-55194	131	4	2019	2019	NUM
elp-55194	131	5	,	,	PUNCT
elp-55194	131	6	westpac	westpac	PROPN
elp-55194	131	7	,	,	PUNCT
elp-55194	131	8	the	the	DET
elp-55194	131	9	second	second	ADV
elp-55194	131	10	largest	large	ADJ
elp-55194	131	11	bank	bank	NOUN
elp-55194	131	12	in	in	ADP
elp-55194	131	13	australia	australia	PROPN
elp-55194	131	14	,	,	PUNCT
elp-55194	131	15	was	be	AUX
elp-55194	131	16	accused	accuse	VERB
elp-55194	131	17	of	of	ADP
elp-55194	131	18	23	23	NUM
elp-55194	131	19	million	million	NUM
elp-55194	131	20	breaches	breach	NOUN
elp-55194	131	21	of	of	ADP
elp-55194	131	22	the	the	DET
elp-55194	131	23	worst	bad	ADJ
elp-55194	131	24	money	money	NOUN
elp-55194	131	25	laundering	laundering	NOUN
elp-55194	131	26	and	and	CCONJ
elp-55194	131	27	terrorist	terrorist	ADJ
elp-55194	131	28	financing	financing	NOUN
elp-55194	131	29	laws	law	NOUN
elp-55194	131	30	in	in	ADP
elp-55194	131	31	the	the	DET
elp-55194	131	32	country‟s	country‟s	NOUN
elp-55194	131	33	history	history	NOUN
elp-55194	131	34	(	(	PUNCT
elp-55194	131	35	note	note	NOUN
elp-55194	131	36	20	20	NUM
elp-55194	131	37	)	)	PUNCT
elp-55194	131	38	.	.	PUNCT
elp-55194	132	1	according	accord	VERB
elp-55194	132	2	to	to	ADP
elp-55194	132	3	the	the	DET
elp-55194	132	4	investigation	investigation	NOUN
elp-55194	132	5	,	,	PUNCT
elp-55194	132	6	most	most	ADJ
elp-55194	132	7	of	of	ADP
elp-55194	132	8	the	the	DET
elp-55194	132	9	breaches	breach	NOUN
elp-55194	132	10	were	be	AUX
elp-55194	132	11	linked	link	VERB
elp-55194	132	12	to	to	ADP
elp-55194	132	13	the	the	DET
elp-55194	132	14	bank‟s	bank‟s	ADJ
elp-55194	132	15	failure	failure	NOUN
elp-55194	132	16	to	to	PART
elp-55194	132	17	report	report	VERB
elp-55194	132	18	international	international	ADJ
elp-55194	132	19	transfers	transfer	NOUN
elp-55194	132	20	in	in	ADP
elp-55194	132	21	a	a	DET
elp-55194	132	22	timely	timely	ADJ
elp-55194	132	23	manner	manner	NOUN
elp-55194	132	24	to	to	ADP
elp-55194	132	25	the	the	DET
elp-55194	132	26	australian	australian	ADJ
elp-55194	132	27	transaction	transaction	NOUN
elp-55194	132	28	reporting	reporting	NOUN
elp-55194	132	29	and	and	CCONJ
elp-55194	132	30	analysis	analysis	NOUN
elp-55194	132	31	centre	centre	NOUN
elp-55194	132	32	(	(	PUNCT
elp-55194	132	33	austrac	austrac	NOUN
elp-55194	132	34	)	)	PUNCT
elp-55194	132	35	,	,	PUNCT
elp-55194	132	36	which	which	PRON
elp-55194	132	37	claimed	claim	VERB
elp-55194	132	38	that	that	SCONJ
elp-55194	132	39	12	12	NUM
elp-55194	132	40	individuals	individual	NOUN
elp-55194	132	41	used	use	VERB
elp-55194	132	42	the	the	DET
elp-55194	132	43	system	system	NOUN
elp-55194	132	44	of	of	ADP
elp-55194	132	45	westpac	westpac	PROPN
elp-55194	132	46	to	to	PART
elp-55194	132	47	conduct	conduct	VERB
elp-55194	132	48	nearly	nearly	ADV
elp-55194	132	49	3,000	3,000	NUM
elp-55194	132	50	transactions	transaction	NOUN
elp-55194	132	51	that	that	PRON
elp-55194	132	52	may	may	AUX
elp-55194	132	53	have	have	AUX
elp-55194	132	54	been	be	AUX
elp-55194	132	55	related	relate	VERB
elp-55194	132	56	to	to	ADP
elp-55194	132	57	child	child	NOUN
elp-55194	132	58	exploitation	exploitation	NOUN
elp-55194	132	59	,	,	PUNCT
elp-55194	132	60	as	as	ADV
elp-55194	132	61	well	well	ADV
elp-55194	132	62	as	as	ADP
elp-55194	132	63	child	child	NOUN
elp-55194	132	64	sex	sex	NOUN
elp-55194	132	65	shows	show	NOUN
elp-55194	132	66	.	.	PUNCT
elp-55194	133	1	moreover	moreover	ADV
elp-55194	133	2	,	,	PUNCT
elp-55194	133	3	the	the	DET
elp-55194	133	4	group	group	NOUN
elp-55194	133	5	included	include	VERB
elp-55194	133	6	a	a	DET
elp-55194	133	7	customer	customer	NOUN
elp-55194	133	8	who	who	PRON
elp-55194	133	9	had	have	AUX
elp-55194	133	10	been	be	AUX
elp-55194	133	11	previously	previously	ADV
elp-55194	133	12	convicted	convict	VERB
elp-55194	133	13	of	of	ADP
elp-55194	133	14	child	child	NOUN
elp-55194	133	15	exploitation	exploitation	NOUN
elp-55194	133	16	offences	offence	NOUN
elp-55194	133	17	.	.	PUNCT
elp-55194	134	1	yet	yet	CCONJ
elp-55194	134	2	westpac	westpac	PROPN
elp-55194	134	3	did	do	AUX
elp-55194	134	4	not	not	PART
elp-55194	134	5	implement	implement	VERB
elp-55194	134	6	an	an	DET
elp-55194	134	7	automated	automate	VERB
elp-55194	134	8	detection	detection	NOUN
elp-55194	134	9	programme	programme	NOUN
elp-55194	134	10	,	,	PUNCT
elp-55194	134	11	but	but	CCONJ
elp-55194	134	12	instead	instead	ADV
elp-55194	134	13	monitored	monitor	VERB
elp-55194	134	14	risks	risk	NOUN
elp-55194	134	15	through	through	ADP
elp-55194	134	16	other	other	ADJ
elp-55194	134	17	channels	channel	NOUN
elp-55194	134	18	.	.	PUNCT
elp-55194	135	1	as	as	ADP
elp-55194	135	2	a	a	DET
elp-55194	135	3	result	result	NOUN
elp-55194	135	4	,	,	PUNCT
elp-55194	135	5	westpac	westpac	PROPN
elp-55194	135	6	failed	fail	VERB
elp-55194	135	7	to	to	PART
elp-55194	135	8	detect	detect	VERB
elp-55194	135	9	transactions	transaction	NOUN
elp-55194	135	10	on	on	ADP
elp-55194	135	11	its	its	PRON
elp-55194	135	12	customer‟s	customer‟s	NOUN
elp-55194	135	13	account	account	NOUN
elp-55194	135	14	related	relate	VERB
elp-55194	135	15	to	to	ADP
elp-55194	135	16	child	child	NOUN
elp-55194	135	17	exploitation	exploitation	NOUN
elp-55194	135	18	.	.	PUNCT
elp-55194	136	1	this	this	DET
elp-55194	136	2	case	case	NOUN
elp-55194	136	3	illustrates	illustrate	VERB
elp-55194	136	4	the	the	DET
elp-55194	136	5	potential	potential	NOUN
elp-55194	136	6	for	for	ADP
elp-55194	136	7	the	the	DET
elp-55194	136	8	use	use	NOUN
elp-55194	136	9	of	of	ADP
elp-55194	136	10	regtech	regtech	NOUN
elp-55194	136	11	,	,	PUNCT
elp-55194	136	12	in	in	ADP
elp-55194	136	13	other	other	ADJ
elp-55194	136	14	words	word	NOUN
elp-55194	136	15	,	,	PUNCT
elp-55194	136	16	the	the	DET
elp-55194	136	17	increased	increase	VERB
elp-55194	136	18	use	use	NOUN
elp-55194	136	19	of	of	ADP
elp-55194	136	20	regtech	regtech	NOUN
elp-55194	136	21	will	will	AUX
elp-55194	136	22	reduce	reduce	VERB
elp-55194	136	23	the	the	DET
elp-55194	136	24	risk	risk	NOUN
elp-55194	136	25	of	of	ADP
elp-55194	136	26	human	human	ADJ
elp-55194	136	27	error	error	NOUN
elp-55194	136	28	to	to	ADP
elp-55194	136	29	a	a	DET
elp-55194	136	30	certain	certain	ADJ
elp-55194	136	31	extent	extent	NOUN
elp-55194	136	32	.	.	PUNCT
elp-55194	137	1	in	in	ADP
elp-55194	137	2	the	the	DET
elp-55194	137	3	uk	uk	PROPN
elp-55194	137	4	,	,	PUNCT
elp-55194	137	5	the	the	DET
elp-55194	137	6	fca	fca	PROPN
elp-55194	137	7	has	have	AUX
elp-55194	137	8	set	set	VERB
elp-55194	137	9	up	up	ADP
elp-55194	137	10	regulatory	regulatory	ADJ
elp-55194	137	11	sandboxes	sandbox	NOUN
elp-55194	137	12	with	with	ADP
elp-55194	137	13	the	the	DET
elp-55194	137	14	aim	aim	NOUN
elp-55194	137	15	of	of	ADP
elp-55194	137	16	providing	provide	VERB
elp-55194	137	17	a	a	DET
elp-55194	137	18	safe	safe	ADJ
elp-55194	137	19	testing	testing	NOUN
elp-55194	137	20	environment	environment	NOUN
elp-55194	137	21	for	for	ADP
elp-55194	137	22	new	new	ADJ
elp-55194	137	23	financial	financial	ADJ
elp-55194	137	24	services	service	NOUN
elp-55194	137	25	and	and	CCONJ
elp-55194	137	26	technologies	technology	NOUN
elp-55194	137	27	that	that	PRON
elp-55194	137	28	do	do	AUX
elp-55194	137	29	not	not	PART
elp-55194	137	30	pose	pose	VERB
elp-55194	137	31	a	a	DET
elp-55194	137	32	potential	potential	ADJ
elp-55194	137	33	risk	risk	NOUN
elp-55194	137	34	to	to	ADP
elp-55194	137	35	the	the	DET
elp-55194	137	36	financial	financial	ADJ
elp-55194	137	37	system	system	NOUN
elp-55194	137	38	as	as	ADP
elp-55194	137	39	a	a	DET
elp-55194	137	40	whole	whole	NOUN
elp-55194	137	41	or	or	CCONJ
elp-55194	137	42	to	to	ADP
elp-55194	137	43	the	the	DET
elp-55194	137	44	consumer	consumer	NOUN
elp-55194	137	45	community	community	NOUN
elp-55194	137	46	until	until	SCONJ
elp-55194	137	47	they	they	PRON
elp-55194	137	48	are	be	AUX
elp-55194	137	49	fully	fully	ADV
elp-55194	137	50	compliant	compliant	ADJ
elp-55194	137	51	with	with	ADP
elp-55194	137	52	regulatory	regulatory	ADJ
elp-55194	137	53	requirements	requirement	NOUN
elp-55194	137	54	(	(	PUNCT
elp-55194	137	55	note	note	NOUN
elp-55194	137	56	21	21	NUM
elp-55194	137	57	)	)	PUNCT
elp-55194	137	58	.	.	PUNCT
elp-55194	138	1	the	the	DET
elp-55194	138	2	regulatory	regulatory	ADJ
elp-55194	138	3	sandbox	sandbox	NOUN
elp-55194	138	4	provides	provide	VERB
elp-55194	138	5	an	an	DET
elp-55194	138	6	experimental	experimental	ADJ
elp-55194	138	7	platform	platform	NOUN
elp-55194	138	8	for	for	ADP
elp-55194	138	9	regtech	regtech	NOUN
elp-55194	138	10	,	,	PUNCT
elp-55194	138	11	allowing	allow	VERB
elp-55194	138	12	firms	firm	NOUN
elp-55194	138	13	to	to	PART
elp-55194	138	14	test	test	VERB
elp-55194	138	15	and	and	CCONJ
elp-55194	138	16	optimise	optimise	ADJ
elp-55194	138	17	technologies	technology	NOUN
elp-55194	138	18	,	,	PUNCT
elp-55194	138	19	such	such	ADJ
elp-55194	138	20	as	as	ADP
elp-55194	138	21	trade	trade	NOUN
elp-55194	138	22	regulation	regulation	NOUN
elp-55194	138	23	tools	tool	NOUN
elp-55194	138	24	,	,	PUNCT
elp-55194	138	25	compliance	compliance	NOUN
elp-55194	138	26	management	management	NOUN
elp-55194	138	27	systems	system	NOUN
elp-55194	138	28	,	,	PUNCT
elp-55194	138	29	etc	etc	X
elp-55194	138	30	.	.	X
elp-55194	138	31	,	,	PUNCT
elp-55194	138	32	in	in	ADP
elp-55194	138	33	real	real	ADJ
elp-55194	138	34	market	market	NOUN
elp-55194	138	35	environments	environment	NOUN
elp-55194	138	36	,	,	PUNCT
elp-55194	138	37	which	which	PRON
elp-55194	138	38	promotes	promote	VERB
elp-55194	138	39	innovation	innovation	NOUN
elp-55194	138	40	in	in	ADP
elp-55194	138	41	regtech	regtech	PROPN
elp-55194	138	42	.	.	PUNCT
elp-55194	139	1	whilst	whilst	SCONJ
elp-55194	139	2	the	the	DET
elp-55194	139	3	uk	uk	PROPN
elp-55194	139	4	regtech	regtech	PROPN
elp-55194	139	5	environment	environment	NOUN
elp-55194	139	6	is	be	AUX
elp-55194	139	7	sufficiently	sufficiently	ADV
elp-55194	139	8	robust	robust	ADJ
elp-55194	139	9	,	,	PUNCT
elp-55194	139	10	it	it	PRON
elp-55194	139	11	still	still	ADV
elp-55194	139	12	has	have	VERB
elp-55194	139	13	a	a	DET
elp-55194	139	14	few	few	ADJ
elp-55194	139	15	issues	issue	NOUN
elp-55194	139	16	that	that	PRON
elp-55194	139	17	need	need	VERB
elp-55194	139	18	to	to	PART
elp-55194	139	19	be	be	AUX
elp-55194	139	20	improved	improve	VERB
elp-55194	139	21	.	.	PUNCT
elp-55194	140	1	for	for	ADP
elp-55194	140	2	example	example	NOUN
elp-55194	140	3	,	,	PUNCT
elp-55194	140	4	data	datum	NOUN
elp-55194	140	5	privacy	privacy	NOUN
elp-55194	140	6	and	and	CCONJ
elp-55194	140	7	security	security	NOUN
elp-55194	140	8	issues	issue	NOUN
elp-55194	140	9	.	.	PUNCT
elp-55194	141	1	the	the	DET
elp-55194	141	2	uk	uk	PROPN
elp-55194	141	3	has	have	AUX
elp-55194	141	4	been	be	AUX
elp-55194	141	5	strictly	strictly	ADV
elp-55194	141	6	observing	observe	VERB
elp-55194	141	7	the	the	DET
elp-55194	141	8	general	general	ADJ
elp-55194	141	9	data	data	PROPN
elp-55194	141	10	protection	protection	NOUN
elp-55194	141	11	regulation	regulation	NOUN
elp-55194	141	12	(	(	PUNCT
elp-55194	141	13	gdpr	gdpr	NOUN
elp-55194	141	14	)	)	PUNCT
elp-55194	141	15	,	,	PUNCT
elp-55194	141	16	which	which	PRON
elp-55194	141	17	has	have	AUX
elp-55194	141	18	largely	largely	ADV
elp-55194	141	19	increased	increase	VERB
elp-55194	141	20	the	the	DET
elp-55194	141	21	security	security	NOUN
elp-55194	141	22	and	and	CCONJ
elp-55194	141	23	transparency	transparency	NOUN
elp-55194	141	24	of	of	ADP
elp-55194	141	25	personal	personal	ADJ
elp-55194	141	26	www.scholink.org/ojs/index.php/elp	www.scholink.org/ojs/index.php/elp	NOUN
elp-55194	141	27	economics	economic	NOUN
elp-55194	141	28	,	,	PUNCT
elp-55194	141	29	law	law	NOUN
elp-55194	141	30	and	and	CCONJ
elp-55194	141	31	policy	policy	NOUN
elp-55194	141	32	vol	vol	NOUN
elp-55194	141	33	.	.	PUNCT
elp-55194	142	1	7	7	NUM
elp-55194	142	2	,	,	PUNCT
elp-55194	142	3	no	no	INTJ
elp-55194	142	4	.	.	NOUN
elp-55194	142	5	3	3	NUM
elp-55194	142	6	,	,	PUNCT
elp-55194	142	7	2024	2024	NUM
elp-55194	142	8	50	50	NUM
elp-55194	142	9	published	publish	VERB
elp-55194	142	10	by	by	ADP
elp-55194	142	11	scholink	scholink	PROPN
elp-55194	142	12	inc	inc	PROPN
elp-55194	142	13	.	.	PROPN
elp-55194	142	14	data	datum	NOUN
elp-55194	142	15	processing	processing	NOUN
elp-55194	142	16	.	.	PUNCT
elp-55194	143	1	however	however	ADV
elp-55194	143	2	,	,	PUNCT
elp-55194	143	3	in	in	ADP
elp-55194	143	4	regtech	regtech	NOUN
elp-55194	143	5	applications	application	NOUN
elp-55194	143	6	,	,	PUNCT
elp-55194	143	7	it	it	PRON
elp-55194	143	8	is	be	AUX
elp-55194	143	9	often	often	ADV
elp-55194	143	10	necessary	necessary	ADJ
elp-55194	143	11	to	to	PART
elp-55194	143	12	co	co	VERB
elp-55194	143	13	-	-	VERB
elp-55194	143	14	operate	operate	VERB
elp-55194	143	15	with	with	ADP
elp-55194	143	16	third	third	ADJ
elp-55194	143	17	parties	party	NOUN
elp-55194	143	18	,	,	PUNCT
elp-55194	143	19	which	which	PRON
elp-55194	143	20	involves	involve	VERB
elp-55194	143	21	data	datum	NOUN
elp-55194	143	22	sharing	sharing	NOUN
elp-55194	143	23	.	.	PUNCT
elp-55194	144	1	as	as	ADP
elp-55194	144	2	a	a	DET
elp-55194	144	3	result	result	NOUN
elp-55194	144	4	,	,	PUNCT
elp-55194	144	5	when	when	SCONJ
elp-55194	144	6	mishandling	mishandle	VERB
elp-55194	144	7	or	or	CCONJ
elp-55194	144	8	inconsistency	inconsistency	NOUN
elp-55194	144	9	in	in	ADP
elp-55194	144	10	compliance	compliance	NOUN
elp-55194	144	11	with	with	ADP
elp-55194	144	12	co	co	ADJ
elp-55194	144	13	-	-	ADJ
elp-55194	144	14	operating	operate	VERB
elp-55194	144	15	parties	party	NOUN
elp-55194	144	16	occurs	occur	VERB
elp-55194	144	17	,	,	PUNCT
elp-55194	144	18	these	these	DET
elp-55194	144	19	personal	personal	ADJ
elp-55194	144	20	data	datum	NOUN
elp-55194	144	21	will	will	AUX
elp-55194	144	22	face	face	VERB
elp-55194	144	23	privacy	privacy	NOUN
elp-55194	144	24	and	and	CCONJ
elp-55194	144	25	security	security	NOUN
elp-55194	144	26	issues	issue	NOUN
elp-55194	144	27	.	.	PUNCT
elp-55194	145	1	hence	hence	ADV
elp-55194	145	2	,	,	PUNCT
elp-55194	145	3	the	the	DET
elp-55194	145	4	uk	uk	PROPN
elp-55194	145	5	should	should	AUX
elp-55194	145	6	focus	focus	VERB
elp-55194	145	7	more	more	ADV
elp-55194	145	8	on	on	ADP
elp-55194	145	9	the	the	DET
elp-55194	145	10	regtech	regtech	NOUN
elp-55194	145	11	aspect	aspect	NOUN
elp-55194	145	12	,	,	PUNCT
elp-55194	145	13	which	which	PRON
elp-55194	145	14	needs	need	VERB
elp-55194	145	15	to	to	PART
elp-55194	145	16	be	be	AUX
elp-55194	145	17	addressed	address	VERB
elp-55194	145	18	through	through	ADP
elp-55194	145	19	more	more	ADJ
elp-55194	145	20	comprehensive	comprehensive	ADJ
elp-55194	145	21	policies	policy	NOUN
elp-55194	145	22	,	,	PUNCT
elp-55194	145	23	more	more	ADV
elp-55194	145	24	optimal	optimal	ADJ
elp-55194	145	25	management	management	NOUN
elp-55194	145	26	and	and	CCONJ
elp-55194	145	27	continuous	continuous	ADJ
elp-55194	145	28	regulatory	regulatory	ADJ
elp-55194	145	29	innovation	innovation	NOUN
elp-55194	145	30	.	.	PUNCT
elp-55194	146	1	4.2	4.2	NUM
elp-55194	146	2	enhanced	enhance	VERB
elp-55194	146	3	international	international	ADJ
elp-55194	146	4	cooperation	cooperation	NOUN
elp-55194	146	5	the	the	DET
elp-55194	146	6	fca	fca	PROPN
elp-55194	146	7	established	establish	VERB
elp-55194	146	8	the	the	DET
elp-55194	146	9	global	global	ADJ
elp-55194	146	10	financial	financial	ADJ
elp-55194	146	11	innovation	innovation	NOUN
elp-55194	146	12	network	network	NOUN
elp-55194	146	13	(	(	PUNCT
elp-55194	146	14	gfin	gfin	NOUN
elp-55194	146	15	)	)	PUNCT
elp-55194	146	16	in	in	ADP
elp-55194	146	17	early	early	ADJ
elp-55194	146	18	2018	2018	NUM
elp-55194	146	19	on	on	ADP
elp-55194	146	20	top	top	NOUN
elp-55194	146	21	of	of	ADP
elp-55194	146	22	a	a	DET
elp-55194	146	23	proposal	proposal	NOUN
elp-55194	146	24	to	to	PART
elp-55194	146	25	create	create	VERB
elp-55194	146	26	a	a	DET
elp-55194	146	27	global	global	ADJ
elp-55194	146	28	sandbox	sandbox	NOUN
elp-55194	146	29	,	,	PUNCT
elp-55194	146	30	and	and	CCONJ
elp-55194	146	31	officially	officially	ADV
elp-55194	146	32	launched	launch	VERB
elp-55194	146	33	it	it	PRON
elp-55194	146	34	in	in	ADP
elp-55194	146	35	january	january	PROPN
elp-55194	146	36	2019	2019	NUM
elp-55194	146	37	(	(	PUNCT
elp-55194	146	38	note	note	VERB
elp-55194	146	39	22	22	NUM
elp-55194	146	40	)	)	PUNCT
elp-55194	146	41	.	.	PUNCT
elp-55194	147	1	the	the	DET
elp-55194	147	2	gfin	gfin	NOUN
elp-55194	147	3	serves	serve	VERB
elp-55194	147	4	as	as	ADP
elp-55194	147	5	a	a	DET
elp-55194	147	6	platform	platform	NOUN
elp-55194	147	7	for	for	ADP
elp-55194	147	8	international	international	ADJ
elp-55194	147	9	regulatory	regulatory	ADJ
elp-55194	147	10	and	and	CCONJ
elp-55194	147	11	financial	financial	ADJ
elp-55194	147	12	innovation	innovation	NOUN
elp-55194	147	13	collaboration	collaboration	NOUN
elp-55194	147	14	,	,	PUNCT
elp-55194	147	15	and	and	CCONJ
elp-55194	147	16	aims	aim	VERB
elp-55194	147	17	to	to	PART
elp-55194	147	18	provide	provide	VERB
elp-55194	147	19	innovative	innovative	ADJ
elp-55194	147	20	firms	firm	NOUN
elp-55194	147	21	with	with	ADP
elp-55194	147	22	a	a	DET
elp-55194	147	23	more	more	ADV
elp-55194	147	24	effective	effective	ADJ
elp-55194	147	25	way	way	NOUN
elp-55194	147	26	of	of	ADP
elp-55194	147	27	interacting	interact	VERB
elp-55194	147	28	with	with	ADP
elp-55194	147	29	regulators	regulator	NOUN
elp-55194	147	30	and	and	CCONJ
elp-55194	147	31	to	to	PART
elp-55194	147	32	help	help	VERB
elp-55194	147	33	them	they	PRON
elp-55194	147	34	navigate	navigate	VERB
elp-55194	147	35	between	between	ADP
elp-55194	147	36	different	different	ADJ
elp-55194	147	37	countries	country	NOUN
elp-55194	147	38	as	as	SCONJ
elp-55194	147	39	they	they	PRON
elp-55194	147	40	seek	seek	VERB
elp-55194	147	41	to	to	PART
elp-55194	147	42	promote	promote	VERB
elp-55194	147	43	new	new	ADJ
elp-55194	147	44	ideas	idea	NOUN
elp-55194	147	45	.	.	PUNCT
elp-55194	148	1	gfin	gfin	NOUN
elp-55194	148	2	enhances	enhance	VERB
elp-55194	148	3	the	the	DET
elp-55194	148	4	joint	joint	ADJ
elp-55194	148	5	regulation	regulation	NOUN
elp-55194	148	6	of	of	ADP
elp-55194	148	7	amls	amls	NOUN
elp-55194	148	8	globally	globally	ADV
elp-55194	148	9	by	by	ADP
elp-55194	148	10	creating	create	VERB
elp-55194	148	11	a	a	DET
elp-55194	148	12	collaborative	collaborative	ADJ
elp-55194	148	13	network	network	NOUN
elp-55194	148	14	of	of	ADP
elp-55194	148	15	multinational	multinational	ADJ
elp-55194	148	16	regulators	regulator	NOUN
elp-55194	148	17	for	for	ADP
elp-55194	148	18	information	information	NOUN
elp-55194	148	19	sharing	sharing	NOUN
elp-55194	148	20	.	.	PUNCT
elp-55194	149	1	in	in	ADP
elp-55194	149	2	october	october	PROPN
elp-55194	149	3	2020	2020	NUM
elp-55194	149	4	gfin	gfin	PROPN
elp-55194	149	5	published	publish	VERB
elp-55194	149	6	the	the	DET
elp-55194	149	7	first	first	ADJ
elp-55194	149	8	official	official	ADJ
elp-55194	149	9	cross	cross	ADJ
elp-55194	149	10	-	-	ADJ
elp-55194	149	11	border	border	ADJ
elp-55194	149	12	testing	testing	NOUN
elp-55194	149	13	lessons	lesson	NOUN
elp-55194	149	14	learned	learn	VERB
elp-55194	149	15	(	(	PUNCT
elp-55194	149	16	cbt	cbt	NOUN
elp-55194	149	17	)	)	PUNCT
elp-55194	149	18	.	.	PUNCT
elp-55194	150	1	the	the	DET
elp-55194	150	2	report	report	NOUN
elp-55194	150	3	shows	show	VERB
elp-55194	150	4	that	that	SCONJ
elp-55194	150	5	participating	participate	VERB
elp-55194	150	6	companies	company	NOUN
elp-55194	150	7	must	must	AUX
elp-55194	150	8	demonstrate	demonstrate	VERB
elp-55194	150	9	that	that	SCONJ
elp-55194	150	10	the	the	DET
elp-55194	150	11	product	product	NOUN
elp-55194	150	12	or	or	CCONJ
elp-55194	150	13	service	service	NOUN
elp-55194	150	14	they	they	PRON
elp-55194	150	15	are	be	AUX
elp-55194	150	16	involved	involve	VERB
elp-55194	150	17	in	in	ADP
elp-55194	150	18	testing	testing	NOUN
elp-55194	150	19	meets	meet	VERB
elp-55194	150	20	the	the	DET
elp-55194	150	21	eligibility	eligibility	ADJ
elp-55194	150	22	criteria	criterion	NOUN
elp-55194	150	23	of	of	ADP
elp-55194	150	24	each	each	DET
elp-55194	150	25	regulator	regulator	NOUN
elp-55194	150	26	in	in	ADP
elp-55194	150	27	the	the	DET
elp-55194	150	28	jurisdiction	jurisdiction	NOUN
elp-55194	150	29	(	(	PUNCT
elp-55194	150	30	note	note	NOUN
elp-55194	150	31	23	23	NUM
elp-55194	150	32	)	)	PUNCT
elp-55194	150	33	.	.	PUNCT
elp-55194	151	1	however	however	ADV
elp-55194	151	2	,	,	PUNCT
elp-55194	151	3	due	due	ADP
elp-55194	151	4	to	to	ADP
elp-55194	151	5	the	the	DET
elp-55194	151	6	widely	widely	ADV
elp-55194	151	7	varying	vary	VERB
elp-55194	151	8	eligibility	eligibility	NOUN
elp-55194	151	9	criteria	criterion	NOUN
elp-55194	151	10	of	of	ADP
elp-55194	151	11	participating	participate	VERB
elp-55194	151	12	regulators	regulator	NOUN
elp-55194	151	13	,	,	PUNCT
elp-55194	151	14	it	it	PRON
elp-55194	151	15	poses	pose	VERB
elp-55194	151	16	a	a	DET
elp-55194	151	17	significant	significant	ADJ
elp-55194	151	18	challenge	challenge	NOUN
elp-55194	151	19	for	for	ADP
elp-55194	151	20	many	many	ADJ
elp-55194	151	21	companies	company	NOUN
elp-55194	151	22	,	,	PUNCT
elp-55194	151	23	which	which	PRON
elp-55194	151	24	leads	lead	VERB
elp-55194	151	25	to	to	ADP
elp-55194	151	26	difficulties	difficulty	NOUN
elp-55194	151	27	in	in	ADP
elp-55194	151	28	collaborating	collaborate	VERB
elp-55194	151	29	and	and	CCONJ
elp-55194	151	30	aligning	align	VERB
elp-55194	151	31	.	.	PUNCT
elp-55194	152	1	in	in	ADP
elp-55194	152	2	addition	addition	NOUN
elp-55194	152	3	,	,	PUNCT
elp-55194	152	4	as	as	SCONJ
elp-55194	152	5	the	the	DET
elp-55194	152	6	internet	internet	NOUN
elp-55194	152	7	continues	continue	VERB
elp-55194	152	8	to	to	PART
elp-55194	152	9	evolve	evolve	VERB
elp-55194	152	10	,	,	PUNCT
elp-55194	152	11	the	the	DET
elp-55194	152	12	means	mean	NOUN
elp-55194	152	13	of	of	ADP
elp-55194	152	14	laundering	launder	VERB
elp-55194	152	15	digital	digital	ADJ
elp-55194	152	16	currencies	currency	NOUN
elp-55194	152	17	across	across	ADP
elp-55194	152	18	borders	border	NOUN
elp-55194	152	19	has	have	AUX
elp-55194	152	20	become	become	VERB
elp-55194	152	21	more	more	ADV
elp-55194	152	22	insidious	insidious	ADJ
elp-55194	152	23	.	.	PUNCT
elp-55194	153	1	the	the	DET
elp-55194	153	2	uk	uk	PROPN
elp-55194	153	3	should	should	AUX
elp-55194	153	4	give	give	VERB
elp-55194	153	5	more	more	ADJ
elp-55194	153	6	professional	professional	ADJ
elp-55194	153	7	resources	resource	NOUN
elp-55194	153	8	and	and	CCONJ
elp-55194	153	9	support	support	NOUN
elp-55194	153	10	to	to	PART
elp-55194	153	11	develop	develop	VERB
elp-55194	153	12	a	a	DET
elp-55194	153	13	unified	unified	ADJ
elp-55194	153	14	framework	framework	NOUN
elp-55194	153	15	and	and	CCONJ
elp-55194	153	16	policy	policy	NOUN
elp-55194	153	17	to	to	PART
elp-55194	153	18	promote	promote	VERB
elp-55194	153	19	uniform	uniform	ADJ
elp-55194	153	20	international	international	ADJ
elp-55194	153	21	regulatory	regulatory	ADJ
elp-55194	153	22	standards	standard	NOUN
elp-55194	153	23	.	.	PUNCT
elp-55194	154	1	and	and	CCONJ
elp-55194	154	2	track	track	VERB
elp-55194	154	3	transnational	transnational	ADJ
elp-55194	154	4	money	money	NOUN
elp-55194	154	5	laundering	laundering	NOUN
elp-55194	154	6	activities	activity	NOUN
elp-55194	154	7	by	by	ADP
elp-55194	154	8	strengthening	strengthen	VERB
elp-55194	154	9	compliance	compliance	NOUN
elp-55194	154	10	information	information	NOUN
elp-55194	154	11	sharing	sharing	NOUN
elp-55194	154	12	and	and	CCONJ
elp-55194	154	13	coordination	coordination	NOUN
elp-55194	154	14	between	between	ADP
elp-55194	154	15	countries	country	NOUN
elp-55194	154	16	.	.	PUNCT
elp-55194	155	1	5	5	X
elp-55194	155	2	.	.	X
elp-55194	155	3	conclusion	conclusion	NOUN
elp-55194	155	4	the	the	DET
elp-55194	155	5	original	original	ADJ
elp-55194	155	6	purpose	purpose	NOUN
elp-55194	155	7	of	of	ADP
elp-55194	155	8	the	the	DET
elp-55194	155	9	aml	aml	NOUN
elp-55194	155	10	system	system	NOUN
elp-55194	155	11	was	be	AUX
elp-55194	155	12	to	to	PART
elp-55194	155	13	combat	combat	VERB
elp-55194	155	14	financial	financial	ADJ
elp-55194	155	15	crime	crime	NOUN
elp-55194	155	16	.	.	PUNCT
elp-55194	156	1	whilst	whilst	SCONJ
elp-55194	156	2	the	the	DET
elp-55194	156	3	cost	cost	NOUN
elp-55194	156	4	of	of	ADP
elp-55194	156	5	aml	aml	NOUN
elp-55194	156	6	compliance	compliance	NOUN
elp-55194	156	7	in	in	ADP
elp-55194	156	8	the	the	DET
elp-55194	156	9	uk	uk	PROPN
elp-55194	156	10	continues	continue	VERB
elp-55194	156	11	to	to	PART
elp-55194	156	12	rise	rise	VERB
elp-55194	156	13	at	at	ADP
elp-55194	156	14	the	the	DET
elp-55194	156	15	same	same	ADJ
elp-55194	156	16	time	time	NOUN
elp-55194	156	17	as	as	SCONJ
elp-55194	156	18	the	the	DET
elp-55194	156	19	level	level	NOUN
elp-55194	156	20	of	of	ADP
elp-55194	156	21	financial	financial	ADJ
elp-55194	156	22	crime	crime	NOUN
elp-55194	156	23	is	be	AUX
elp-55194	156	24	rising	rise	VERB
elp-55194	156	25	,	,	PUNCT
elp-55194	156	26	it	it	PRON
elp-55194	156	27	does	do	AUX
elp-55194	156	28	not	not	PART
elp-55194	156	29	indicate	indicate	VERB
elp-55194	156	30	that	that	SCONJ
elp-55194	156	31	the	the	DET
elp-55194	156	32	aml	aml	NOUN
elp-55194	156	33	system	system	NOUN
elp-55194	156	34	is	be	AUX
elp-55194	156	35	ineffective	ineffective	ADJ
elp-55194	156	36	.	.	PUNCT
elp-55194	157	1	according	accord	VERB
elp-55194	157	2	to	to	ADP
elp-55194	157	3	some	some	DET
elp-55194	157	4	data	datum	NOUN
elp-55194	157	5	and	and	CCONJ
elp-55194	157	6	reports	report	NOUN
elp-55194	157	7	,	,	PUNCT
elp-55194	157	8	the	the	DET
elp-55194	157	9	aml	aml	NOUN
elp-55194	157	10	system	system	NOUN
elp-55194	157	11	is	be	AUX
elp-55194	157	12	effective	effective	ADJ
elp-55194	157	13	in	in	ADP
elp-55194	157	14	combating	combat	VERB
elp-55194	157	15	financial	financial	ADJ
elp-55194	157	16	crime	crime	NOUN
elp-55194	157	17	and	and	CCONJ
elp-55194	157	18	achieving	achieve	VERB
elp-55194	157	19	the	the	DET
elp-55194	157	20	original	original	ADJ
elp-55194	157	21	purpose	purpose	NOUN
elp-55194	157	22	of	of	ADP
elp-55194	157	23	the	the	DET
elp-55194	157	24	system	system	NOUN
elp-55194	157	25	.	.	PUNCT
elp-55194	158	1	which	which	PRON
elp-55194	158	2	means	mean	VERB
elp-55194	158	3	that	that	SCONJ
elp-55194	158	4	the	the	DET
elp-55194	158	5	system	system	NOUN
elp-55194	158	6	is	be	AUX
elp-55194	158	7	not	not	PART
elp-55194	158	8	broken	break	VERB
elp-55194	158	9	,	,	PUNCT
elp-55194	158	10	it	it	PRON
elp-55194	158	11	just	just	ADV
elp-55194	158	12	has	have	VERB
elp-55194	158	13	some	some	DET
elp-55194	158	14	issues	issue	NOUN
elp-55194	158	15	that	that	PRON
elp-55194	158	16	need	need	VERB
elp-55194	158	17	to	to	PART
elp-55194	158	18	be	be	AUX
elp-55194	158	19	improved	improve	VERB
elp-55194	158	20	.	.	PUNCT
elp-55194	159	1	firstly	firstly	ADV
elp-55194	159	2	aml‟s	aml‟s	X
elp-55194	159	3	compliance	compliance	NOUN
elp-55194	159	4	costs	cost	NOUN
elp-55194	159	5	are	be	AUX
elp-55194	159	6	disproportionately	disproportionately	ADV
elp-55194	159	7	high	high	ADJ
elp-55194	159	8	in	in	ADP
elp-55194	159	9	terms	term	NOUN
elp-55194	159	10	of	of	ADP
elp-55194	159	11	staff	staff	NOUN
elp-55194	159	12	and	and	CCONJ
elp-55194	159	13	compliance	compliance	NOUN
elp-55194	159	14	training	training	NOUN
elp-55194	159	15	costs	cost	NOUN
elp-55194	159	16	,	,	PUNCT
elp-55194	159	17	and	and	CCONJ
elp-55194	159	18	smaller	small	ADJ
elp-55194	159	19	in	in	ADP
elp-55194	159	20	terms	term	NOUN
elp-55194	159	21	of	of	ADP
elp-55194	159	22	technology	technology	NOUN
elp-55194	159	23	.	.	PUNCT
elp-55194	160	1	it	it	PRON
elp-55194	160	2	means	mean	VERB
elp-55194	160	3	less	less	ADJ
elp-55194	160	4	investment	investment	NOUN
elp-55194	160	5	in	in	ADP
elp-55194	160	6	innovative	innovative	ADJ
elp-55194	160	7	regulation	regulation	NOUN
elp-55194	160	8	and	and	CCONJ
elp-55194	160	9	less	less	ADJ
elp-55194	160	10	automation	automation	NOUN
elp-55194	160	11	of	of	ADP
elp-55194	160	12	regulation	regulation	NOUN
elp-55194	160	13	.	.	PUNCT
elp-55194	161	1	the	the	DET
elp-55194	161	2	second	second	NOUN
elp-55194	161	3	is	be	AUX
elp-55194	161	4	that	that	SCONJ
elp-55194	161	5	as	as	SCONJ
elp-55194	161	6	technology	technology	NOUN
elp-55194	161	7	continues	continue	VERB
elp-55194	161	8	to	to	PART
elp-55194	161	9	progress	progress	VERB
elp-55194	161	10	,	,	PUNCT
elp-55194	161	11	so	so	ADV
elp-55194	161	12	does	do	VERB
elp-55194	161	13	the	the	DET
elp-55194	161	14	level	level	NOUN
elp-55194	161	15	of	of	ADP
elp-55194	161	16	crime	crime	NOUN
elp-55194	161	17	.	.	PUNCT
elp-55194	162	1	the	the	DET
elp-55194	162	2	money	money	NOUN
elp-55194	162	3	laundering	laundering	NOUN
elp-55194	162	4	methods	method	NOUN
elp-55194	162	5	of	of	ADP
elp-55194	162	6	criminals	criminal	NOUN
elp-55194	162	7	have	have	AUX
elp-55194	162	8	also	also	ADV
elp-55194	162	9	become	become	VERB
elp-55194	162	10	more	more	ADV
elp-55194	162	11	sophisticated	sophisticated	ADJ
elp-55194	162	12	and	and	CCONJ
elp-55194	162	13	difficult	difficult	ADJ
elp-55194	162	14	to	to	PART
elp-55194	162	15	track	track	VERB
elp-55194	162	16	.	.	PUNCT
elp-55194	163	1	in	in	ADP
elp-55194	163	2	addition	addition	NOUN
elp-55194	163	3	,	,	PUNCT
elp-55194	163	4	the	the	DET
elp-55194	163	5	effectiveness	effectiveness	NOUN
elp-55194	163	6	of	of	ADP
elp-55194	163	7	the	the	DET
elp-55194	163	8	aml	aml	NOUN
elp-55194	163	9	system	system	NOUN
elp-55194	163	10	is	be	AUX
elp-55194	163	11	demonstrated	demonstrate	VERB
elp-55194	163	12	through	through	ADP
elp-55194	163	13	data	datum	NOUN
elp-55194	163	14	released	release	VERB
elp-55194	163	15	by	by	ADP
elp-55194	163	16	the	the	DET
elp-55194	163	17	government	government	NOUN
elp-55194	163	18	as	as	ADV
elp-55194	163	19	well	well	ADV
elp-55194	163	20	as	as	ADP
elp-55194	163	21	case	case	NOUN
elp-55194	163	22	studies	study	NOUN
elp-55194	163	23	.	.	PUNCT
elp-55194	164	1	it	it	PRON
elp-55194	164	2	also	also	ADV
elp-55194	164	3	explains	explain	VERB
elp-55194	164	4	why	why	SCONJ
elp-55194	164	5	the	the	DET
elp-55194	164	6	aml	aml	NOUN
elp-55194	164	7	system	system	NOUN
elp-55194	164	8	can	can	AUX
elp-55194	164	9	not	not	PART
elp-55194	164	10	be	be	AUX
elp-55194	164	11	judged	judge	VERB
elp-55194	164	12	to	to	PART
elp-55194	164	13	be	be	AUX
elp-55194	164	14	ineffective	ineffective	ADJ
elp-55194	164	15	just	just	ADV
elp-55194	164	16	because	because	SCONJ
elp-55194	164	17	the	the	DET
elp-55194	164	18	level	level	NOUN
elp-55194	164	19	of	of	ADP
elp-55194	164	20	crime	crime	NOUN
elp-55194	164	21	has	have	AUX
elp-55194	164	22	increased	increase	VERB
elp-55194	164	23	.	.	PUNCT
elp-55194	165	1	www.scholink.org/ojs/index.php/elp	www.scholink.org/ojs/index.php/elp	NOUN
elp-55194	165	2	economics	economic	NOUN
elp-55194	165	3	,	,	PUNCT
elp-55194	165	4	law	law	NOUN
elp-55194	165	5	and	and	CCONJ
elp-55194	165	6	policy	policy	NOUN
elp-55194	165	7	vol	vol	NOUN
elp-55194	165	8	.	.	PUNCT
elp-55194	166	1	7	7	NUM
elp-55194	166	2	,	,	PUNCT
elp-55194	166	3	no	no	INTJ
elp-55194	166	4	.	.	NOUN
elp-55194	166	5	3	3	NUM
elp-55194	166	6	,	,	PUNCT
elp-55194	166	7	2024	2024	NUM
elp-55194	166	8	51	51	NUM
elp-55194	166	9	published	publish	VERB
elp-55194	166	10	by	by	ADP
elp-55194	166	11	scholink	scholink	PROPN
elp-55194	166	12	inc	inc	PROPN
elp-55194	166	13	.	.	PUNCT
elp-55194	167	1	this	this	DET
elp-55194	167	2	essay	essay	NOUN
elp-55194	167	3	also	also	ADV
elp-55194	167	4	makes	make	VERB
elp-55194	167	5	some	some	DET
elp-55194	167	6	recommendations	recommendation	NOUN
elp-55194	167	7	for	for	ADP
elp-55194	167	8	the	the	DET
elp-55194	167	9	improvement	improvement	NOUN
elp-55194	167	10	of	of	ADP
elp-55194	167	11	the	the	DET
elp-55194	167	12	aml	aml	NOUN
elp-55194	167	13	system	system	NOUN
elp-55194	167	14	so	so	SCONJ
elp-55194	167	15	that	that	SCONJ
elp-55194	167	16	it	it	PRON
elp-55194	167	17	can	can	AUX
elp-55194	167	18	better	well	ADV
elp-55194	167	19	address	address	VERB
elp-55194	167	20	the	the	DET
elp-55194	167	21	increasingly	increasingly	ADV
elp-55194	167	22	complex	complex	ADJ
elp-55194	167	23	problem	problem	NOUN
elp-55194	167	24	of	of	ADP
elp-55194	167	25	money	money	NOUN
elp-55194	167	26	laundering	launder	VERB
elp-55194	167	27	regulation	regulation	NOUN
elp-55194	167	28	.	.	PUNCT
elp-55194	168	1	references	reference	NOUN
elp-55194	168	2	economic	economic	ADJ
elp-55194	168	3	crime	crime	NOUN
elp-55194	168	4	plan	plan	NOUN
elp-55194	168	5	2	2	NUM
elp-55194	168	6	2023	2023	NUM
elp-55194	168	7	-	-	SYM
elp-55194	168	8	2026	2026	NUM
elp-55194	168	9	.	.	PUNCT
elp-55194	169	1	(	(	PUNCT
elp-55194	169	2	vision	vision	NOUN
elp-55194	169	3	6	6	NUM
elp-55194	169	4	,	,	PUNCT
elp-55194	169	5	2023	2023	NUM
elp-55194	169	6	)	)	PUNCT
elp-55194	169	7	.	.	PUNCT
elp-55194	170	1	home	home	NOUN
elp-55194	170	2	office	office	NOUN
elp-55194	170	3	.	.	PUNCT
elp-55194	171	1	ferwerda	ferwerda	PROPN
elp-55194	171	2	,	,	PUNCT
elp-55194	171	3	j.	j.	PROPN
elp-55194	171	4	(	(	PUNCT
elp-55194	171	5	2018	2018	NUM
elp-55194	171	6	)	)	PUNCT
elp-55194	171	7	.	.	PUNCT
elp-55194	172	1	the	the	DET
elp-55194	172	2	effectiveness	effectiveness	NOUN
elp-55194	172	3	of	of	ADP
elp-55194	172	4	anti	anti	ADJ
elp-55194	172	5	-	-	ADJ
elp-55194	172	6	money	money	ADJ
elp-55194	172	7	laundering	launder	VERB
elp-55194	172	8	policy	policy	NOUN
elp-55194	172	9	:	:	PUNCT
elp-55194	172	10	a	a	DET
elp-55194	172	11	cost	cost	NOUN
elp-55194	172	12	-	-	PUNCT
elp-55194	172	13	benefit	benefit	NOUN
elp-55194	172	14	perspective	perspective	NOUN
elp-55194	172	15	.	.	PUNCT
elp-55194	173	1	in	in	ADP
elp-55194	173	2	c.	c.	PROPN
elp-55194	173	3	king	king	PROPN
elp-55194	173	4	,	,	PUNCT
elp-55194	173	5	c.	c.	PROPN
elp-55194	173	6	walker	walker	PROPN
elp-55194	173	7	,	,	PUNCT
elp-55194	173	8	&	&	CCONJ
elp-55194	173	9	j.	j.	PROPN
elp-55194	173	10	gurulé	gurulé	PROPN
elp-55194	173	11	(	(	PUNCT
elp-55194	173	12	eds	ed	NOUN
elp-55194	173	13	.	.	PUNCT
elp-55194	173	14	)	)	PUNCT
elp-55194	173	15	,	,	PUNCT
elp-55194	173	16	the	the	DET
elp-55194	173	17	palgrave	palgrave	ADJ
elp-55194	173	18	handbook	handbook	NOUN
elp-55194	173	19	of	of	ADP
elp-55194	173	20	criminal	criminal	ADJ
elp-55194	173	21	and	and	CCONJ
elp-55194	173	22	terrorism	terrorism	NOUN
elp-55194	173	23	financing	financing	NOUN
elp-55194	173	24	law	law	NOUN
elp-55194	173	25	.	.	PUNCT
elp-55194	174	1	springer	springer	NOUN
elp-55194	174	2	international	international	ADJ
elp-55194	174	3	publishing	publishing	NOUN
elp-55194	174	4	.	.	PUNCT
elp-55194	175	1	https://doi.org/10.1007/978-3-319-64498-1_14	https://doi.org/10.1007/978-3-319-64498-1_14	PROPN
elp-55194	175	2	heathershaw	heathershaw	NOUN
elp-55194	175	3	,	,	PUNCT
elp-55194	175	4	j.	j.	PROPN
elp-55194	175	5	,	,	PUNCT
elp-55194	175	6	&	&	CCONJ
elp-55194	175	7	mayne	mayne	PROPN
elp-55194	175	8	,	,	PUNCT
elp-55194	175	9	t.	t.	NOUN
elp-55194	175	10	(	(	PUNCT
elp-55194	175	11	2023	2023	NUM
elp-55194	175	12	)	)	PUNCT
elp-55194	175	13	.	.	PUNCT
elp-55194	176	1	explaining	explain	VERB
elp-55194	176	2	suspicious	suspicious	ADJ
elp-55194	176	3	wealth	wealth	NOUN
elp-55194	176	4	:	:	PUNCT
elp-55194	176	5	legal	legal	ADJ
elp-55194	176	6	enablers	enabler	NOUN
elp-55194	176	7	,	,	PUNCT
elp-55194	176	8	transnational	transnational	ADJ
elp-55194	176	9	kleptocracy	kleptocracy	NOUN
elp-55194	176	10	,	,	PUNCT
elp-55194	176	11	and	and	CCONJ
elp-55194	176	12	the	the	DET
elp-55194	176	13	failure	failure	NOUN
elp-55194	176	14	of	of	ADP
elp-55194	176	15	the	the	DET
elp-55194	176	16	uk‟s	uk‟s	PROPN
elp-55194	176	17	unexplained	unexplained	ADJ
elp-55194	176	18	wealth	wealth	NOUN
elp-55194	176	19	orders	order	NOUN
elp-55194	176	20	.	.	PUNCT
elp-55194	177	1	journal	journal	PROPN
elp-55194	177	2	of	of	ADP
elp-55194	177	3	international	international	ADJ
elp-55194	177	4	relations	relation	NOUN
elp-55194	177	5	and	and	CCONJ
elp-55194	177	6	development	development	NOUN
elp-55194	177	7	,	,	PUNCT
elp-55194	177	8	26	26	NUM
elp-55194	177	9	,	,	PUNCT
elp-55194	177	10	301	301	NUM
elp-55194	177	11	.	.	PUNCT
elp-55194	178	1	https://doi.org/10.1057/s41268-023-00296-0	https://doi.org/10.1057/s41268-023-00296-0	VERB
elp-55194	178	2	national	national	ADJ
elp-55194	178	3	strategic	strategic	ADJ
elp-55194	178	4	assessment	assessment	NOUN
elp-55194	178	5	of	of	ADP
elp-55194	178	6	serious	serious	ADJ
elp-55194	178	7	and	and	CCONJ
elp-55194	178	8	organised	organised	ADJ
elp-55194	178	9	crime	crime	NOUN
elp-55194	178	10	2021	2021	NUM
elp-55194	178	11	.	.	PUNCT
elp-55194	179	1	(	(	PUNCT
elp-55194	179	2	cp	cp	PROPN
elp-55194	179	3	992	992	NUM
elp-55194	179	4	,	,	PUNCT
elp-55194	179	5	2023	2023	NUM
elp-55194	179	6	)	)	PUNCT
elp-55194	179	7	.	.	PUNCT
elp-55194	180	1	national	national	PROPN
elp-55194	180	2	crime	crime	PROPN
elp-55194	180	3	agency	agency	PROPN
elp-55194	180	4	.	.	PUNCT
elp-55194	181	1	nca	nca	PROPN
elp-55194	181	2	v	v	PROPN
elp-55194	181	3	baker	baker	PROPN
elp-55194	181	4	.	.	PUNCT
elp-55194	182	1	(	(	PUNCT
elp-55194	182	2	2020	2020	NUM
elp-55194	182	3	)	)	PUNCT
elp-55194	182	4	.	.	PUNCT
elp-55194	183	1	ewhc	ewhc	PROPN
elp-55194	183	2	822	822	NUM
elp-55194	183	3	(	(	PUNCT
elp-55194	183	4	admin	admin	ADJ
elp-55194	183	5	)	)	PUNCT
elp-55194	183	6	.	.	PUNCT
elp-55194	184	1	papantoniou	papantoniou	NOUN
elp-55194	184	2	,	,	PUNCT
elp-55194	184	3	a.	a.	NOUN
elp-55194	184	4	a.	a.	NOUN
elp-55194	184	5	(	(	PUNCT
elp-55194	184	6	2022	2022	NUM
elp-55194	184	7	)	)	PUNCT
elp-55194	184	8	.	.	PUNCT
elp-55194	185	1	regtech	regtech	PROPN
elp-55194	185	2	:	:	PUNCT
elp-55194	185	3	steering	steer	VERB
elp-55194	185	4	the	the	DET
elp-55194	185	5	regulatory	regulatory	ADJ
elp-55194	185	6	spaceship	spaceship	NOUN
elp-55194	185	7	in	in	ADP
elp-55194	185	8	the	the	DET
elp-55194	185	9	right	right	ADJ
elp-55194	185	10	direction	direction	NOUN
elp-55194	185	11	?	?	PUNCT
elp-55194	186	1	journal	journal	NOUN
elp-55194	186	2	of	of	ADP
elp-55194	186	3	banking	banking	NOUN
elp-55194	186	4	and	and	CCONJ
elp-55194	186	5	financial	financial	ADJ
elp-55194	186	6	technology	technology	NOUN
elp-55194	186	7	,	,	PUNCT
elp-55194	186	8	6	6	NUM
elp-55194	186	9	,	,	PUNCT
elp-55194	186	10	1	1	NUM
elp-55194	186	11	.	.	X
elp-55194	186	12	https://doi.org/10.1007/s42786-022-00038-9	https://doi.org/10.1007/s42786-022-00038-9	PROPN
elp-55194	186	13	parveen	parveen	PROPN
elp-55194	186	14	,	,	PUNCT
elp-55194	186	15	r.	r.	PROPN
elp-55194	186	16	(	(	PUNCT
elp-55194	186	17	2020	2020	NUM
elp-55194	186	18	)	)	PUNCT
elp-55194	186	19	.	.	PUNCT
elp-55194	187	1	impact	impact	NOUN
elp-55194	187	2	of	of	ADP
elp-55194	187	3	anti	anti	ADJ
elp-55194	187	4	-	-	ADJ
elp-55194	187	5	money	money	ADJ
elp-55194	187	6	laundering	laundering	NOUN
elp-55194	187	7	legislation	legislation	NOUN
elp-55194	187	8	in	in	ADP
elp-55194	187	9	the	the	DET
elp-55194	187	10	united	united	ADJ
elp-55194	187	11	kingdom	kingdom	PROPN
elp-55194	187	12	and	and	CCONJ
elp-55194	187	13	european	european	PROPN
elp-55194	187	14	union	union	PROPN
elp-55194	187	15	.	.	PUNCT
elp-55194	188	1	ijems	ijem	NOUN
elp-55194	188	2	,	,	PUNCT
elp-55194	188	3	5	5	NUM
elp-55194	188	4	,	,	PUNCT
elp-55194	188	5	118	118	NUM
elp-55194	188	6	.	.	PUNCT
elp-55194	188	7	sumkovski	sumkovski	PROPN
elp-55194	188	8	,	,	PUNCT
elp-55194	188	9	i.	i.	PROPN
elp-55194	188	10	(	(	PUNCT
elp-55194	188	11	2017	2017	NUM
elp-55194	188	12	)	)	PUNCT
elp-55194	188	13	.	.	PUNCT
elp-55194	189	1	the	the	DET
elp-55194	189	2	optimal	optimal	ADJ
elp-55194	189	3	level	level	NOUN
elp-55194	189	4	of	of	ADP
elp-55194	189	5	anti	anti	ADJ
elp-55194	189	6	-	-	ADJ
elp-55194	189	7	money	money	ADJ
elp-55194	189	8	laundering	laundering	NOUN
elp-55194	189	9	regulation	regulation	NOUN
elp-55194	189	10	for	for	ADP
elp-55194	189	11	the	the	DET
elp-55194	189	12	uk	uk	PROPN
elp-55194	189	13	banking	banking	NOUN
elp-55194	189	14	sector	sector	NOUN
elp-55194	189	15	.	.	PUNCT
elp-55194	190	1	banks	bank	NOUN
elp-55194	190	2	’	'	PUNCT
elp-55194	190	3	cost	cost	NOUN
elp-55194	190	4	of	of	ADP
elp-55194	190	5	compliance	compliance	NOUN
elp-55194	190	6	,	,	PUNCT
elp-55194	190	7	de	de	ADJ
elp-55194	190	8	-	-	ADJ
elp-55194	190	9	risking	risk	VERB
elp-55194	190	10	problem	problem	NOUN
elp-55194	190	11	and	and	CCONJ
elp-55194	190	12	how	how	SCONJ
elp-55194	190	13	to	to	PART
elp-55194	190	14	implement	implement	VERB
elp-55194	190	15	effective	effective	ADJ
elp-55194	190	16	aml	aml	NOUN
elp-55194	190	17	systems	system	NOUN
elp-55194	190	18	and	and	CCONJ
elp-55194	190	19	controls	control	NOUN
elp-55194	190	20	(	(	PUNCT
elp-55194	190	21	master	master	NOUN
elp-55194	190	22	thesis	thesis	NOUN
elp-55194	190	23	)	)	PUNCT
elp-55194	190	24	.	.	PUNCT
elp-55194	191	1	university	university	PROPN
elp-55194	191	2	of	of	ADP
elp-55194	191	3	london	london	PROPN
elp-55194	191	4	.	.	PUNCT
elp-55194	192	1	retrieved	retrieve	VERB
elp-55194	192	2	april	april	PROPN
elp-55194	192	3	21	21	NUM
elp-55194	192	4	,	,	PUNCT
elp-55194	192	5	2024	2024	NUM
elp-55194	192	6	,	,	PUNCT
elp-55194	192	7	from	from	ADP
elp-55194	192	8	https://sas-space.sas.ac.uk/6873/	https://sas-space.sas.ac.uk/6873/	PROPN
elp-55194	192	9	whitehouse	whitehouse	NOUN
elp-55194	192	10	,	,	PUNCT
elp-55194	192	11	a.	a.	NOUN
elp-55194	192	12	(	(	PUNCT
elp-55194	192	13	2003	2003	NUM
elp-55194	192	14	)	)	PUNCT
elp-55194	192	15	.	.	PUNCT
elp-55194	193	1	a	a	DET
elp-55194	193	2	brave	brave	ADJ
elp-55194	193	3	new	new	ADJ
elp-55194	193	4	world	world	NOUN
elp-55194	193	5	:	:	PUNCT
elp-55194	193	6	the	the	DET
elp-55194	193	7	impact	impact	NOUN
elp-55194	193	8	of	of	ADP
elp-55194	193	9	domestic	domestic	ADJ
elp-55194	193	10	and	and	CCONJ
elp-55194	193	11	international	international	ADJ
elp-55194	193	12	regulation	regulation	NOUN
elp-55194	193	13	on	on	ADP
elp-55194	193	14	money	money	NOUN
elp-55194	193	15	laundering	laundering	NOUN
elp-55194	193	16	prevention	prevention	NOUN
elp-55194	193	17	in	in	ADP
elp-55194	193	18	the	the	DET
elp-55194	193	19	uk	uk	PROPN
elp-55194	193	20	.	.	PROPN
elp-55194	193	21	journal	journal	PROPN
elp-55194	193	22	of	of	ADP
elp-55194	193	23	financial	financial	ADJ
elp-55194	193	24	regulation	regulation	NOUN
elp-55194	193	25	and	and	CCONJ
elp-55194	193	26	compliance	compliance	NOUN
elp-55194	193	27	,	,	PUNCT
elp-55194	193	28	11	11	NUM
elp-55194	193	29	,	,	PUNCT
elp-55194	193	30	138	138	NUM
elp-55194	193	31	.	.	PUNCT
elp-55194	194	1	https://doi.org/10.1108/13581980310810453	https://doi.org/10.1108/13581980310810453	NOUN
elp-55194	194	2	website	website	NOUN
elp-55194	194	3	„	„	PUNCT
elp-55194	194	4	asset	asset	NOUN
elp-55194	194	5	recovery	recovery	NOUN
elp-55194	194	6	statistical	statistical	ADJ
elp-55194	194	7	bulletin	bulletin	NOUN
elp-55194	194	8	:	:	PUNCT
elp-55194	194	9	financial	financial	ADJ
elp-55194	194	10	years	year	NOUN
elp-55194	194	11	ending	end	VERB
elp-55194	194	12	march	march	PROPN
elp-55194	194	13	2018	2018	NUM
elp-55194	194	14	to	to	ADP
elp-55194	194	15	march	march	PROPN
elp-55194	194	16	2023‟	2023‟	NUM
elp-55194	194	17	(	(	PUNCT
elp-55194	194	18	gov.uk	gov.uk	PROPN
elp-55194	194	19	)	)	PUNCT
elp-55194	194	20	<	<	X
elp-55194	194	21	https://www.gov.uk/government/statistics/asset-recovery-statistical-bulletin-financial-years-ending-20	https://www.gov.uk/government/statistics/asset-recovery-statistical-bulletin-financial-years-ending-20	PROPN
elp-55194	194	22	18	18	NUM
elp-55194	194	23	-	-	PUNCT
elp-55194	194	24	to-2023	to-2023	NOUN
elp-55194	194	25	/	/	SYM
elp-55194	194	26	asset	asset	NOUN
elp-55194	194	27	-	-	PUNCT
elp-55194	194	28	recovery	recovery	NOUN
elp-55194	194	29	-	-	PUNCT
elp-55194	194	30	statistical	statistical	ADJ
elp-55194	194	31	-	-	PUNCT
elp-55194	194	32	bulletin	bulletin	NOUN
elp-55194	194	33	-	-	PUNCT
elp-55194	194	34	financial	financial	ADJ
elp-55194	194	35	-	-	PUNCT
elp-55194	194	36	years	year	NOUN
elp-55194	194	37	-	-	PUNCT
elp-55194	194	38	ending	end	VERB
elp-55194	194	39	-	-	PUNCT
elp-55194	194	40	march-2018	march-2018	NOUN
elp-55194	194	41	-	-	PUNCT
elp-55194	194	42	to	to	ADP
elp-55194	194	43	-	-	PUNCT
elp-55194	194	44	march-2023	march-2023	NOUN
elp-55194	194	45	>	>	VERB
elp-55194	194	46	accessed	access	VERB
elp-55194	194	47	17	17	NUM
elp-55194	194	48	april	april	PROPN
elp-55194	194	49	2024	2024	NUM
elp-55194	194	50	„	„	PUNCT
elp-55194	194	51	crime	crime	NOUN
elp-55194	194	52	outcomes	outcome	NOUN
elp-55194	194	53	in	in	ADP
elp-55194	194	54	england	england	PROPN
elp-55194	194	55	and	and	CCONJ
elp-55194	194	56	wales	wales	PROPN
elp-55194	194	57	2021	2021	NUM
elp-55194	194	58	to	to	ADP
elp-55194	194	59	2022‟	2022‟	NUM
elp-55194	194	60	(	(	PUNCT
elp-55194	194	61	gov.uk	gov.uk	PROPN
elp-55194	194	62	)	)	PUNCT
elp-55194	194	63	<	<	X
elp-55194	194	64	https://www.gov.uk/government/statistics/crime-outcomes-in-england-and-wales-2021-to-2022/crime	https://www.gov.uk/government/statistics/crime-outcomes-in-england-and-wales-2021-to-2022/crime	NOUN
elp-55194	194	65	-outcomes	-outcome	NOUN
elp-55194	194	66	-	-	PUNCT
elp-55194	194	67	in	in	ADP
elp-55194	194	68	-	-	PUNCT
elp-55194	194	69	england	england	NOUN
elp-55194	194	70	-	-	PUNCT
elp-55194	194	71	and	and	CCONJ
elp-55194	194	72	-	-	PUNCT
elp-55194	194	73	wales-2021	wales-2021	NOUN
elp-55194	194	74	-	-	PUNCT
elp-55194	194	75	to-2022	to-2022	NOUN
elp-55194	194	76	>	>	X
elp-55194	194	77	accessed	access	VERB
elp-55194	194	78	15	15	NUM
elp-55194	194	79	april	april	PROPN
elp-55194	194	80	2024	2024	NUM
elp-55194	194	81	„	„	PUNCT
elp-55194	194	82	cross	cross	ADJ
elp-55194	194	83	-	-	ADJ
elp-55194	194	84	border	border	ADJ
elp-55194	194	85	testing‟	testing‟	NOUN
elp-55194	194	86	(	(	PUNCT
elp-55194	194	87	gfin	gfin	NOUN
elp-55194	194	88	)	)	PUNCT
elp-55194	195	1	<	<	AUX
elp-55194	195	2	https://www.thegfin.com/crossborder-testing	https://www.thegfin.com/crossborder-teste	VERB
elp-55194	195	3	>	>	X
elp-55194	195	4	accessed	access	VERB
elp-55194	195	5	17	17	NUM
elp-55194	195	6	april	april	PROPN
elp-55194	195	7	2024	2024	NUM
elp-55194	195	8	https://doi.org/10.1007/978-3-319-64498-1_14	https://doi.org/10.1007/978-3-319-64498-1_14	PROPN
elp-55194	195	9	www.scholink.org/ojs/index.php/elp	www.scholink.org/ojs/index.php/elp	NOUN
elp-55194	195	10	economics	economic	NOUN
elp-55194	195	11	,	,	PUNCT
elp-55194	195	12	law	law	NOUN
elp-55194	195	13	and	and	CCONJ
elp-55194	195	14	policy	policy	NOUN
elp-55194	195	15	vol	vol	NOUN
elp-55194	195	16	.	.	PUNCT
elp-55194	196	1	7	7	NUM
elp-55194	196	2	,	,	PUNCT
elp-55194	196	3	no	no	INTJ
elp-55194	196	4	.	.	NOUN
elp-55194	196	5	3	3	NUM
elp-55194	196	6	,	,	PUNCT
elp-55194	196	7	2024	2024	NUM
elp-55194	196	8	52	52	NUM
elp-55194	196	9	published	publish	VERB
elp-55194	196	10	by	by	ADP
elp-55194	196	11	scholink	scholink	PROPN
elp-55194	196	12	inc	inc	PROPN
elp-55194	196	13	.	.	PUNCT
elp-55194	197	1	„	„	PUNCT
elp-55194	197	2	global	global	ADJ
elp-55194	197	3	financial	financial	ADJ
elp-55194	197	4	innovation	innovation	NOUN
elp-55194	197	5	network	network	NOUN
elp-55194	197	6	(	(	PUNCT
elp-55194	197	7	gfin)‟	gfin)‟	PROPN
elp-55194	197	8	(	(	PUNCT
elp-55194	197	9	fca	fca	PROPN
elp-55194	197	10	,	,	PUNCT
elp-55194	197	11	29	29	NUM
elp-55194	197	12	january	january	NOUN
elp-55194	197	13	2019	2019	NUM
elp-55194	197	14	)	)	PUNCT
elp-55194	198	1	<	<	X
elp-55194	198	2	https://www.fca.org.uk/firms/innovation/global-financial-innovation-network	https://www.fca.org.uk/firms/innovation/global-financial-innovation-network	X
elp-55194	198	3	>	>	X
elp-55194	198	4	accessed	access	VERB
elp-55194	198	5	17	17	NUM
elp-55194	198	6	april	april	PROPN
elp-55194	198	7	2024	2024	NUM
elp-55194	198	8	„	„	PUNCT
elp-55194	198	9	money	money	NOUN
elp-55194	198	10	laundering	laundering	NOUN
elp-55194	198	11	and	and	CCONJ
elp-55194	198	12	illicit	illicit	ADJ
elp-55194	198	13	finance‟	finance‟	NOUN
elp-55194	198	14	(	(	PUNCT
elp-55194	198	15	19	19	NUM
elp-55194	198	16	march	march	NOUN
elp-55194	198	17	2024	2024	NUM
elp-55194	198	18	)	)	PUNCT
elp-55194	199	1	<	<	X
elp-55194	199	2	https://www.nationalcrimeagency.gov.uk/what-we-do/crime-threats/money-laundering-and-illicit-fina	https://www.nationalcrimeagency.gov.uk/what-we-do/crime-threats/money-laundering-and-illicit-fina	PROPN
elp-55194	199	3	nce	nce	PROPN
elp-55194	199	4	>	>	X
elp-55194	199	5	accessed	access	VERB
elp-55194	199	6	13	13	NUM
elp-55194	199	7	april	april	PROPN
elp-55194	199	8	2024	2024	NUM
elp-55194	199	9	„	„	PUNCT
elp-55194	199	10	“	"	PUNCT
elp-55194	199	11	money	money	NOUN
elp-55194	199	12	mules	mule	NOUN
elp-55194	199	13	”	"	PUNCT
elp-55194	199	14	:	:	PUNCT
elp-55194	199	15	rising	rise	VERB
elp-55194	199	16	numbers	number	NOUN
elp-55194	199	17	are	be	AUX
elp-55194	199	18	in	in	ADP
elp-55194	199	19	middle	middle	ADJ
elp-55194	199	20	age‟	age‟	PROPN
elp-55194	199	21	,	,	PUNCT
elp-55194	199	22	bbc	bbc	PROPN
elp-55194	199	23	news	news	PROPN
elp-55194	199	24	(	(	PUNCT
elp-55194	199	25	18	18	NUM
elp-55194	199	26	june	june	PROPN
elp-55194	199	27	2019	2019	NUM
elp-55194	199	28	)	)	PUNCT
elp-55194	200	1	<	<	X
elp-55194	200	2	https://www.bbc.com/news/uk-48671542	https://www.bbc.com/news/uk-48671542	X
elp-55194	200	3	>	>	X
elp-55194	200	4	accessed	access	VERB
elp-55194	200	5	15	15	NUM
elp-55194	200	6	april	april	PROPN
elp-55194	200	7	2024	2024	NUM
elp-55194	200	8	„	„	PUNCT
elp-55194	200	9	q2	q2	NOUN
elp-55194	200	10	2019	2019	NUM
elp-55194	200	11	cryptocurrency	cryptocurrency	NOUN
elp-55194	200	12	anti	anti	ADJ
elp-55194	200	13	-	-	ADJ
elp-55194	200	14	money	money	ADJ
elp-55194	200	15	laundering	laundering	NOUN
elp-55194	200	16	report‟	report‟	NOUN
elp-55194	200	17	(	(	PUNCT
elp-55194	200	18	ciphertrace	ciphertrace	NOUN
elp-55194	200	19	)	)	PUNCT
elp-55194	200	20	<	<	AUX
elp-55194	200	21	https://ciphertrace.com/q2-2019-cryptocurrency-anti-money-laundering-report/	https://ciphertrace.com/q2-2019-cryptocurrency-anti-money-laundering-report/	ADV
elp-55194	200	22	>	>	X
elp-55194	200	23	accessed	access	VERB
elp-55194	200	24	15	15	NUM
elp-55194	200	25	april	april	PROPN
elp-55194	200	26	2024	2024	NUM
elp-55194	200	27	„	„	PUNCT
elp-55194	200	28	regulatory	regulatory	ADJ
elp-55194	200	29	sandbox‟	sandbox‟	NOUN
elp-55194	200	30	(	(	PUNCT
elp-55194	200	31	fca	fca	PROPN
elp-55194	200	32	,	,	PUNCT
elp-55194	200	33	1	1	NUM
elp-55194	200	34	march	march	NOUN
elp-55194	200	35	2022	2022	NUM
elp-55194	200	36	)	)	PUNCT
elp-55194	201	1	<	<	X
elp-55194	201	2	https://www.fca.org.uk/firms/innovation/regulatory-sandbox	https://www.fca.org.uk/firms/innovation/regulatory-sandbox	X
elp-55194	201	3	>	>	X
elp-55194	201	4	accessed	access	VERB
elp-55194	201	5	17	17	NUM
elp-55194	201	6	april	april	PROPN
elp-55194	201	7	2024	2024	NUM
elp-55194	201	8	„	„	PUNCT
elp-55194	201	9	report	report	NOUN
elp-55194	201	10	:	:	PUNCT
elp-55194	201	11	true	true	ADJ
elp-55194	201	12	cost	cost	NOUN
elp-55194	201	13	of	of	ADP
elp-55194	201	14	compliance	compliance	NOUN
elp-55194	201	15	2023	2023	NUM
elp-55194	201	16	|	|	NOUN
elp-55194	201	17	lexisnexis	lexisnexis	VERB
elp-55194	201	18	risk	risk	NOUN
elp-55194	201	19	solutions‟	solutions‟	PROPN
elp-55194	201	20	(	(	PUNCT
elp-55194	201	21	lexisnexis	lexisnexis	NOUN
elp-55194	201	22	risk	risk	NOUN
elp-55194	201	23	solutions	solution	NOUN
elp-55194	201	24	|	|	ADV
elp-55194	201	25	transform	transform	VERB
elp-55194	201	26	your	your	PRON
elp-55194	201	27	risk	risk	NOUN
elp-55194	201	28	decision	decision	NOUN
elp-55194	201	29	making	making	NOUN
elp-55194	201	30	)	)	PUNCT
elp-55194	201	31	<	<	AUX
elp-55194	201	32	https://risk.lexisnexis.co.uk/insights-resources/white-paper/true-costs-of-compliance	https://risk.lexisnexis.co.uk/insights-resources/white-paper/true-costs-of-compliance	X
elp-55194	201	33	>	>	X
elp-55194	201	34	accessed	access	VERB
elp-55194	201	35	13	13	NUM
elp-55194	201	36	april	april	PROPN
elp-55194	201	37	2024	2024	NUM
elp-55194	201	38	„	„	PUNCT
elp-55194	201	39	suspicious	suspicious	ADJ
elp-55194	201	40	activity	activity	NOUN
elp-55194	201	41	report	report	NOUN
elp-55194	201	42	(	(	PUNCT
elp-55194	201	43	sars	sars	PROPN
elp-55194	201	44	)	)	PUNCT
elp-55194	201	45	annual	annual	ADJ
elp-55194	201	46	report	report	NOUN
elp-55194	201	47	2022‟	2022‟	NUM
elp-55194	201	48	<	<	X
elp-55194	201	49	https://www.nationalcrimeagency.gov.uk/news/suspicious-activity-report-sars-annual-report-2022	https://www.nationalcrimeagency.gov.uk/news/suspicious-activity-report-sars-annual-report-2022	X
elp-55194	201	50	>	>	X
elp-55194	201	51	accessed	access	VERB
elp-55194	201	52	21	21	NUM
elp-55194	201	53	april	april	PROPN
elp-55194	201	54	2024	2024	NUM
elp-55194	201	55	„	„	SYM
elp-55194	201	56	westpac	westpac	PROPN
elp-55194	201	57	accused	accuse	VERB
elp-55194	201	58	of	of	ADP
elp-55194	201	59	23	23	NUM
elp-55194	201	60	million	million	NUM
elp-55194	201	61	breaches	breach	NOUN
elp-55194	201	62	by	by	ADP
elp-55194	201	63	money	money	NOUN
elp-55194	201	64	laundering	launder	VERB
elp-55194	201	65	watchdog‟(the	watchdog‟(the	DET
elp-55194	201	66	sydney	sydney	PROPN
elp-55194	201	67	morning	morning	PROPN
elp-55194	201	68	herald	herald	PROPN
elp-55194	201	69	,	,	PUNCT
elp-55194	201	70	20	20	NUM
elp-55194	201	71	november	november	PROPN
elp-55194	201	72	2019	2019	NUM
elp-55194	201	73	)	)	PUNCT
elp-55194	202	1	<	<	AUX
elp-55194	202	2	https://www.smh.com.au/business/companies/westpac-accused-of-large-scale-breaches-by-money-lau	https://www.smh.com.au/business/companies/westpac-accused-of-large-scale-breaches-by-money-lau	PROPN
elp-55194	202	3	ndering-watchdog-20191120-p53c8o.html	ndering-watchdog-20191120-p53c8o.html	PROPN
elp-55194	202	4	>	>	VERB
elp-55194	202	5	accessed	access	VERB
elp-55194	202	6	17	17	NUM
elp-55194	202	7	april	april	PROPN
elp-55194	202	8	2024	2024	NUM
elp-55194	202	9	„	„	PUNCT
elp-55194	202	10	your	your	PRON
elp-55194	202	11	career	career	NOUN
elp-55194	202	12	in	in	ADP
elp-55194	202	13	anti	anti	ADJ
elp-55194	202	14	money	money	NOUN
elp-55194	202	15	laundering‟	laundering‟	NOUN
elp-55194	202	16	<	<	X
elp-55194	202	17	https://www.int-comp.org/learn-and-develop/subject-areas/career-pages-anti-money-laundering/	https://www.int-comp.org/learn-and-develop/subject-areas/career-pages-anti-money-laundering/	X
elp-55194	202	18	>	>	X
elp-55194	202	19	accessed	access	VERB
elp-55194	202	20	13	13	NUM
elp-55194	202	21	april	april	PROPN
elp-55194	202	22	2024	2024	NUM
elp-55194	202	23	notes	note	NOUN
elp-55194	202	24	note	note	VERB
elp-55194	202	25	1	1	X
elp-55194	202	26	.	.	PUNCT
elp-55194	202	27	rehana	rehana	PROPN
elp-55194	202	28	parveen	parveen	PROPN
elp-55194	202	29	,	,	PUNCT
elp-55194	202	30	„	„	PUNCT
elp-55194	202	31	impact	impact	NOUN
elp-55194	202	32	of	of	ADP
elp-55194	202	33	anti	anti	ADJ
elp-55194	202	34	-	-	ADJ
elp-55194	202	35	money	money	ADJ
elp-55194	202	36	laundering	laundering	NOUN
elp-55194	202	37	legislation	legislation	NOUN
elp-55194	202	38	in	in	ADP
elp-55194	202	39	the	the	DET
elp-55194	202	40	united	united	ADJ
elp-55194	202	41	kingdom	kingdom	PROPN
elp-55194	202	42	and	and	CCONJ
elp-55194	202	43	european	european	ADJ
elp-55194	202	44	union‟	union‟	SYM
elp-55194	202	45	(	(	PUNCT
elp-55194	202	46	2020	2020	NUM
elp-55194	202	47	)	)	PUNCT
elp-55194	202	48	5	5	NUM
elp-55194	202	49	ijems	ijem	NOUN
elp-55194	202	50	118	118	NUM
elp-55194	202	51	.	.	PUNCT
elp-55194	203	1	note	note	NOUN
elp-55194	203	2	2	2	NUM
elp-55194	203	3	.	.	X
elp-55194	203	4	ibid	ibid	NOUN
elp-55194	203	5	.	.	PUNCT
elp-55194	204	1	note	note	VERB
elp-55194	204	2	3	3	NUM
elp-55194	204	3	.	.	PUNCT
elp-55194	205	1	„	„	PUNCT
elp-55194	205	2	your	your	PRON
elp-55194	205	3	career	career	NOUN
elp-55194	205	4	in	in	ADP
elp-55194	205	5	anti	anti	ADJ
elp-55194	205	6	money	money	NOUN
elp-55194	205	7	laundering‟	laundering‟	NOUN
elp-55194	205	8	<	<	X
elp-55194	205	9	https://www.int-comp.org/learn-and-develop/subject-areas/career-pages-anti-money-laundering/	https://www.int-comp.org/learn-and-develop/subject-areas/career-pages-anti-money-laundering/	X
elp-55194	205	10	>	>	X
elp-55194	205	11	accessed	access	VERB
elp-55194	205	12	13	13	NUM
elp-55194	205	13	april	april	PROPN
elp-55194	205	14	2024	2024	NUM
elp-55194	205	15	.	.	PUNCT
elp-55194	206	1	note	note	VERB
elp-55194	206	2	4	4	NUM
elp-55194	206	3	.	.	PUNCT
elp-55194	206	4	home	home	NOUN
elp-55194	206	5	office	office	NOUN
elp-55194	206	6	,	,	PUNCT
elp-55194	206	7	economic	economic	ADJ
elp-55194	206	8	crime	crime	NOUN
elp-55194	206	9	plan	plan	NOUN
elp-55194	206	10	2	2	NUM
elp-55194	206	11	2023	2023	NUM
elp-55194	206	12	-	-	SYM
elp-55194	206	13	2026	2026	NUM
elp-55194	206	14	,	,	PUNCT
elp-55194	206	15	(	(	PUNCT
elp-55194	206	16	vision	vision	NOUN
elp-55194	206	17	6	6	NUM
elp-55194	206	18	,	,	PUNCT
elp-55194	206	19	2023	2023	NUM
elp-55194	206	20	)	)	PUNCT
elp-55194	206	21	.	.	PUNCT
elp-55194	207	1	https://risk.lexisnexis.co.uk/insights-resources/white-paper/true-costs-of-compliance	https://risk.lexisnexis.co.uk/insights-resources/white-paper/true-costs-of-compliance	NOUN
elp-55194	207	2	www.scholink.org/ojs/index.php/elp	www.scholink.org/ojs/index.php/elp	NOUN
elp-55194	207	3	economics	economic	NOUN
elp-55194	207	4	,	,	PUNCT
elp-55194	207	5	law	law	NOUN
elp-55194	207	6	and	and	CCONJ
elp-55194	207	7	policy	policy	NOUN
elp-55194	207	8	vol	vol	NOUN
elp-55194	207	9	.	.	PUNCT
elp-55194	208	1	7	7	NUM
elp-55194	208	2	,	,	PUNCT
elp-55194	208	3	no	no	INTJ
elp-55194	208	4	.	.	NOUN
elp-55194	208	5	3	3	NUM
elp-55194	208	6	,	,	PUNCT
elp-55194	208	7	2024	2024	NUM
elp-55194	208	8	53	53	NUM
elp-55194	208	9	published	publish	VERB
elp-55194	208	10	by	by	ADP
elp-55194	208	11	scholink	scholink	PROPN
elp-55194	208	12	inc	inc	PROPN
elp-55194	208	13	.	.	PROPN
elp-55194	208	14	note	note	PROPN
elp-55194	208	15	5	5	NUM
elp-55194	209	1	.	.	PUNCT
elp-55194	209	2	antony	antony	PROPN
elp-55194	209	3	whitehouse	whitehouse	PROPN
elp-55194	209	4	,	,	PUNCT
elp-55194	209	5	„	„	PUNCT
elp-55194	209	6	a	a	DET
elp-55194	209	7	brave	brave	ADJ
elp-55194	209	8	new	new	ADJ
elp-55194	209	9	world	world	NOUN
elp-55194	209	10	:	:	PUNCT
elp-55194	209	11	the	the	DET
elp-55194	209	12	impact	impact	NOUN
elp-55194	209	13	of	of	ADP
elp-55194	209	14	domestic	domestic	ADJ
elp-55194	209	15	and	and	CCONJ
elp-55194	209	16	international	international	ADJ
elp-55194	209	17	regulation	regulation	NOUN
elp-55194	209	18	on	on	ADP
elp-55194	209	19	money	money	NOUN
elp-55194	209	20	laundering	laundering	NOUN
elp-55194	209	21	prevention	prevention	NOUN
elp-55194	209	22	in	in	ADP
elp-55194	209	23	the	the	DET
elp-55194	209	24	uk‟	uk‟	PROPN
elp-55194	209	25	(	(	PUNCT
elp-55194	209	26	2003	2003	NUM
elp-55194	209	27	)	)	PUNCT
elp-55194	209	28	11	11	NUM
elp-55194	209	29	journal	journal	NOUN
elp-55194	209	30	of	of	ADP
elp-55194	209	31	financial	financial	ADJ
elp-55194	209	32	regulation	regulation	NOUN
elp-55194	209	33	and	and	CCONJ
elp-55194	209	34	compliance	compliance	NOUN
elp-55194	209	35	138	138	NUM
elp-55194	209	36	.	.	PUNCT
elp-55194	210	1	note	note	VERB
elp-55194	210	2	6	6	NUM
elp-55194	210	3	.	.	PUNCT
elp-55194	211	1	„	„	PUNCT
elp-55194	211	2	money	money	NOUN
elp-55194	211	3	laundering	laundering	NOUN
elp-55194	211	4	and	and	CCONJ
elp-55194	211	5	illicit	illicit	ADJ
elp-55194	211	6	finance‟	finance‟	NOUN
elp-55194	211	7	(	(	PUNCT
elp-55194	211	8	19	19	NUM
elp-55194	211	9	march	march	NOUN
elp-55194	211	10	2024	2024	NUM
elp-55194	211	11	)	)	PUNCT
elp-55194	211	12	<	<	X
elp-55194	211	13	https://www.nationalcrimeagency.gov.uk/what-we-do/crime-threats/money-laundering-and-illicit-fina	https://www.nationalcrimeagency.gov.uk/what-we-do/crime-threats/money-laundering-and-illicit-fina	PROPN
elp-55194	211	14	nce	nce	PROPN
elp-55194	211	15	>	>	X
elp-55194	211	16	accessed	access	VERB
elp-55194	211	17	13	13	NUM
elp-55194	211	18	april	april	PROPN
elp-55194	211	19	2024	2024	NUM
elp-55194	211	20	.	.	PUNCT
elp-55194	212	1	note	note	VERB
elp-55194	212	2	7	7	NUM
elp-55194	212	3	.	.	PUNCT
elp-55194	213	1	„	„	PUNCT
elp-55194	213	2	report	report	NOUN
elp-55194	213	3	:	:	PUNCT
elp-55194	213	4	true	true	ADJ
elp-55194	213	5	cost	cost	NOUN
elp-55194	213	6	of	of	ADP
elp-55194	213	7	compliance	compliance	NOUN
elp-55194	213	8	2023	2023	NUM
elp-55194	213	9	|	|	NOUN
elp-55194	213	10	lexisnexis	lexisnexis	VERB
elp-55194	213	11	risk	risk	NOUN
elp-55194	213	12	solutions‟	solutions‟	PROPN
elp-55194	213	13	(	(	PUNCT
elp-55194	213	14	lexisnexis	lexisnexis	NOUN
elp-55194	213	15	risk	risk	NOUN
elp-55194	213	16	solutions	solution	NOUN
elp-55194	213	17	|	|	ADV
elp-55194	213	18	transform	transform	VERB
elp-55194	213	19	your	your	PRON
elp-55194	213	20	risk	risk	NOUN
elp-55194	213	21	decision	decision	NOUN
elp-55194	213	22	making	making	NOUN
elp-55194	213	23	)	)	PUNCT
elp-55194	213	24	<	<	AUX
elp-55194	213	25	https://risk.lexisnexis.co.uk/insights-resources/white-paper/true-costs-of-compliance	https://risk.lexisnexis.co.uk/insights-resources/white-paper/true-costs-of-compliance	X
elp-55194	213	26	>	>	X
elp-55194	213	27	accessed	access	VERB
elp-55194	213	28	13	13	NUM
elp-55194	213	29	april	april	PROPN
elp-55194	213	30	2024	2024	NUM
elp-55194	213	31	.	.	PUNCT
elp-55194	214	1	note	note	VERB
elp-55194	214	2	8	8	NUM
elp-55194	214	3	.	.	PUNCT
elp-55194	214	4	igor	igor	PROPN
elp-55194	214	5	sumkovski	sumkovski	PROPN
elp-55194	214	6	,	,	PUNCT
elp-55194	214	7	„	„	PUNCT
elp-55194	214	8	the	the	DET
elp-55194	214	9	optimal	optimal	ADJ
elp-55194	214	10	level	level	NOUN
elp-55194	214	11	of	of	ADP
elp-55194	214	12	anti	anti	ADJ
elp-55194	214	13	-	-	ADJ
elp-55194	214	14	money	money	ADJ
elp-55194	214	15	laundering	laundering	NOUN
elp-55194	214	16	regulation	regulation	NOUN
elp-55194	214	17	for	for	ADP
elp-55194	214	18	the	the	DET
elp-55194	214	19	uk	uk	PROPN
elp-55194	214	20	banking	banking	NOUN
elp-55194	214	21	sector	sector	NOUN
elp-55194	214	22	.	.	PUNCT
elp-55194	215	1	banks‟	banks‟	PROPN
elp-55194	216	1	cost	cost	NOUN
elp-55194	216	2	of	of	ADP
elp-55194	216	3	compliance	compliance	NOUN
elp-55194	216	4	,	,	PUNCT
elp-55194	216	5	de	de	ADJ
elp-55194	216	6	-	-	ADJ
elp-55194	216	7	risking	risk	VERB
elp-55194	216	8	problem	problem	NOUN
elp-55194	216	9	and	and	CCONJ
elp-55194	216	10	how	how	SCONJ
elp-55194	216	11	to	to	PART
elp-55194	216	12	implement	implement	VERB
elp-55194	216	13	effective	effective	ADJ
elp-55194	216	14	aml	aml	NOUN
elp-55194	216	15	systems	system	NOUN
elp-55194	216	16	and	and	CCONJ
elp-55194	216	17	controls‟	controls‟	NOUN
elp-55194	216	18	(	(	PUNCT
elp-55194	216	19	master	master	NOUN
elp-55194	216	20	thesis	thesis	NOUN
elp-55194	216	21	,	,	PUNCT
elp-55194	216	22	university	university	NOUN
elp-55194	216	23	of	of	ADP
elp-55194	216	24	london	london	PROPN
elp-55194	216	25	2017	2017	NUM
elp-55194	216	26	)	)	PUNCT
elp-55194	216	27	<	<	X
elp-55194	216	28	https://sas-space.sas.ac.uk/6873/	https://sas-space.sas.ac.uk/6873/	PROPN
elp-55194	216	29	>	>	X
elp-55194	216	30	accessed	access	VERB
elp-55194	216	31	21	21	NUM
elp-55194	216	32	april	april	PROPN
elp-55194	216	33	2024	2024	NUM
elp-55194	216	34	.	.	PUNCT
elp-55194	217	1	note	note	VERB
elp-55194	217	2	9	9	NUM
elp-55194	217	3	.	.	PUNCT
elp-55194	217	4	national	national	PROPN
elp-55194	217	5	crime	crime	PROPN
elp-55194	217	6	agency	agency	PROPN
elp-55194	217	7	,	,	PUNCT
elp-55194	217	8	national	national	ADJ
elp-55194	217	9	strategic	strategic	ADJ
elp-55194	217	10	assessment	assessment	NOUN
elp-55194	217	11	of	of	ADP
elp-55194	217	12	serious	serious	ADJ
elp-55194	217	13	and	and	CCONJ
elp-55194	217	14	organised	organised	ADJ
elp-55194	217	15	crime	crime	NOUN
elp-55194	217	16	2021	2021	NUM
elp-55194	217	17	,	,	PUNCT
elp-55194	217	18	(	(	PUNCT
elp-55194	217	19	cp	cp	X
elp-55194	217	20	992	992	NUM
elp-55194	217	21	,	,	PUNCT
elp-55194	217	22	2023	2023	NUM
elp-55194	217	23	)	)	PUNCT
elp-55194	217	24	.	.	PUNCT
elp-55194	218	1	note	note	VERB
elp-55194	218	2	10	10	NUM
elp-55194	218	3	.	.	PUNCT
elp-55194	219	1	„	„	PUNCT
elp-55194	219	2	crime	crime	NOUN
elp-55194	219	3	outcomes	outcome	NOUN
elp-55194	219	4	in	in	ADP
elp-55194	219	5	england	england	PROPN
elp-55194	219	6	and	and	CCONJ
elp-55194	219	7	wales	wales	PROPN
elp-55194	219	8	2021	2021	NUM
elp-55194	219	9	to	to	ADP
elp-55194	219	10	2022‟	2022‟	NUM
elp-55194	219	11	(	(	PUNCT
elp-55194	219	12	gov.uk	gov.uk	PROPN
elp-55194	219	13	)	)	PUNCT
elp-55194	219	14	<	<	X
elp-55194	219	15	https://www.gov.uk/government/statistics/crime-outcomes-in-england-and-wales-2021-to-2022/crime	https://www.gov.uk/government/statistics/crime-outcomes-in-england-and-wales-2021-to-2022/crime	NOUN
elp-55194	219	16	-outcomes	-outcome	NOUN
elp-55194	219	17	-	-	PUNCT
elp-55194	219	18	in	in	ADP
elp-55194	219	19	-	-	PUNCT
elp-55194	219	20	england	england	NOUN
elp-55194	219	21	-	-	PUNCT
elp-55194	219	22	and	and	CCONJ
elp-55194	219	23	-	-	PUNCT
elp-55194	219	24	wales-2021	wales-2021	NOUN
elp-55194	219	25	-	-	PUNCT
elp-55194	219	26	to-2022	to-2022	NOUN
elp-55194	219	27	>	>	X
elp-55194	219	28	accessed	access	VERB
elp-55194	219	29	15	15	NUM
elp-55194	219	30	april	april	PROPN
elp-55194	219	31	2024	2024	NUM
elp-55194	219	32	.	.	PUNCT
elp-55194	220	1	note	note	VERB
elp-55194	220	2	11	11	NUM
elp-55194	220	3	.	.	PUNCT
elp-55194	221	1	„	„	PUNCT
elp-55194	221	2	suspicious	suspicious	ADJ
elp-55194	221	3	activity	activity	NOUN
elp-55194	221	4	report	report	NOUN
elp-55194	221	5	2022‟	2022‟	NOUN
elp-55194	221	6	,	,	PUNCT
elp-55194	221	7	https://nationalcrimeagency.gov.uk/who-we-are/publications/632-2022-sars-annual-report-1/file	https://nationalcrimeagency.gov.uk/who-we-are/publications/632-2022-sars-annual-report-1/file	PROPN
elp-55194	221	8	note	note	NOUN
elp-55194	221	9	12	12	NUM
elp-55194	221	10	.	.	PUNCT
elp-55194	222	1	„	„	PUNCT
elp-55194	222	2	“	"	PUNCT
elp-55194	222	3	money	money	NOUN
elp-55194	222	4	mules	mule	NOUN
elp-55194	222	5	”	"	PUNCT
elp-55194	222	6	:	:	PUNCT
elp-55194	222	7	rising	rise	VERB
elp-55194	222	8	numbers	number	NOUN
elp-55194	222	9	are	be	AUX
elp-55194	222	10	in	in	ADP
elp-55194	222	11	middle	middle	ADJ
elp-55194	222	12	age‟	age‟	PROPN
elp-55194	222	13	bbc	bbc	PROPN
elp-55194	222	14	news	news	PROPN
elp-55194	222	15	(	(	PUNCT
elp-55194	222	16	18	18	NUM
elp-55194	222	17	june	june	PROPN
elp-55194	222	18	2019	2019	NUM
elp-55194	222	19	)	)	PUNCT
elp-55194	223	1	<	<	X
elp-55194	223	2	https://www.bbc.com/news/uk-48671542	https://www.bbc.com/news/uk-48671542	X
elp-55194	223	3	>	>	X
elp-55194	223	4	accessed	access	VERB
elp-55194	223	5	15	15	NUM
elp-55194	223	6	april	april	PROPN
elp-55194	223	7	2024	2024	NUM
elp-55194	223	8	.	.	PUNCT
elp-55194	224	1	note	note	VERB
elp-55194	224	2	13	13	NUM
elp-55194	224	3	.	.	PUNCT
elp-55194	225	1	„	„	PUNCT
elp-55194	225	2	q2	q2	NOUN
elp-55194	225	3	2019	2019	NUM
elp-55194	225	4	cryptocurrency	cryptocurrency	NOUN
elp-55194	225	5	anti	anti	ADJ
elp-55194	225	6	-	-	ADJ
elp-55194	225	7	money	money	ADJ
elp-55194	225	8	laundering	laundering	NOUN
elp-55194	225	9	report‟	report‟	NOUN
elp-55194	225	10	(	(	PUNCT
elp-55194	225	11	ciphertrace	ciphertrace	NOUN
elp-55194	225	12	)	)	PUNCT
elp-55194	225	13	<	<	AUX
elp-55194	225	14	https://ciphertrace.com/q2-2019-cryptocurrency-anti-money-laundering-report/	https://ciphertrace.com/q2-2019-cryptocurrency-anti-money-laundering-report/	ADV
elp-55194	225	15	>	>	X
elp-55194	225	16	accessed	access	VERB
elp-55194	225	17	15	15	NUM
elp-55194	225	18	april	april	PROPN
elp-55194	225	19	2024	2024	NUM
elp-55194	225	20	.	.	PUNCT
elp-55194	226	1	note	note	VERB
elp-55194	226	2	14	14	NUM
elp-55194	226	3	.	.	PUNCT
elp-55194	227	1	joras	joras	PROPN
elp-55194	227	2	ferwerda	ferwerda	PROPN
elp-55194	227	3	,	,	PUNCT
elp-55194	227	4	„	„	PUNCT
elp-55194	227	5	the	the	DET
elp-55194	227	6	effectiveness	effectiveness	NOUN
elp-55194	227	7	of	of	ADP
elp-55194	227	8	anti	anti	ADJ
elp-55194	227	9	-	-	ADJ
elp-55194	227	10	money	money	ADJ
elp-55194	227	11	laundering	launder	VERB
elp-55194	227	12	policy	policy	NOUN
elp-55194	227	13	:	:	PUNCT
elp-55194	227	14	a	a	DET
elp-55194	227	15	cost	cost	NOUN
elp-55194	227	16	-	-	PUNCT
elp-55194	227	17	benefit	benefit	NOUN
elp-55194	227	18	perspective‟	perspective‟	VERB
elp-55194	227	19	in	in	ADP
elp-55194	227	20	colin	colin	PROPN
elp-55194	227	21	king	king	PROPN
elp-55194	227	22	,	,	PUNCT
elp-55194	227	23	clive	clive	PROPN
elp-55194	227	24	walker	walker	PROPN
elp-55194	227	25	and	and	CCONJ
elp-55194	227	26	jimmy	jimmy	PROPN
elp-55194	227	27	gurulé	gurulé	NOUN
elp-55194	227	28	(	(	PUNCT
elp-55194	227	29	eds	ed	NOUN
elp-55194	227	30	)	)	PUNCT
elp-55194	227	31	,	,	PUNCT
elp-55194	227	32	the	the	DET
elp-55194	227	33	palgrave	palgrave	ADJ
elp-55194	227	34	handbook	handbook	NOUN
elp-55194	227	35	of	of	ADP
elp-55194	227	36	criminal	criminal	ADJ
elp-55194	227	37	and	and	CCONJ
elp-55194	227	38	terrorism	terrorism	NOUN
elp-55194	227	39	financing	financing	NOUN
elp-55194	227	40	law	law	NOUN
elp-55194	227	41	(	(	PUNCT
elp-55194	227	42	springer	springer	NOUN
elp-55194	227	43	international	international	ADJ
elp-55194	227	44	publishing	publishing	NOUN
elp-55194	227	45	2018	2018	NUM
elp-55194	227	46	)	)	PUNCT
elp-55194	227	47	.	.	PUNCT
elp-55194	228	1	note	note	VERB
elp-55194	228	2	15	15	NUM
elp-55194	228	3	.	.	PUNCT
elp-55194	229	1	john	john	PROPN
elp-55194	229	2	heathershaw	heathershaw	PROPN
elp-55194	229	3	and	and	CCONJ
elp-55194	229	4	tom	tom	PROPN
elp-55194	229	5	mayne	mayne	PROPN
elp-55194	229	6	,	,	PUNCT
elp-55194	229	7	„	„	PUNCT
elp-55194	229	8	explaining	explain	VERB
elp-55194	229	9	suspicious	suspicious	ADJ
elp-55194	229	10	wealth	wealth	NOUN
elp-55194	229	11	:	:	PUNCT
elp-55194	229	12	legal	legal	ADJ
elp-55194	229	13	enablers	enabler	NOUN
elp-55194	229	14	,	,	PUNCT
elp-55194	229	15	transnational	transnational	ADJ
elp-55194	229	16	kleptocracy	kleptocracy	NOUN
elp-55194	229	17	,	,	PUNCT
elp-55194	229	18	and	and	CCONJ
elp-55194	229	19	the	the	DET
elp-55194	229	20	failure	failure	NOUN
elp-55194	229	21	of	of	ADP
elp-55194	229	22	the	the	DET
elp-55194	229	23	uk‟s	uk‟s	PROPN
elp-55194	229	24	unexplained	unexplained	ADJ
elp-55194	229	25	wealth	wealth	NOUN
elp-55194	229	26	orders‟	orders‟	NOUN
elp-55194	229	27	(	(	PUNCT
elp-55194	229	28	2023	2023	NUM
elp-55194	229	29	)	)	PUNCT
elp-55194	229	30	26	26	NUM
elp-55194	229	31	journal	journal	NOUN
elp-55194	229	32	of	of	ADP
elp-55194	229	33	international	international	ADJ
elp-55194	229	34	relations	relation	NOUN
elp-55194	229	35	and	and	CCONJ
elp-55194	229	36	development	development	NOUN
elp-55194	229	37	301	301	NUM
elp-55194	229	38	.	.	PUNCT
elp-55194	230	1	note	note	VERB
elp-55194	230	2	16	16	NUM
elp-55194	230	3	.	.	PUNCT
elp-55194	231	1	nca	nca	PROPN
elp-55194	231	2	v	v	PROPN
elp-55194	231	3	baker	baker	PROPN
elp-55194	231	4	[	[	X
elp-55194	231	5	2020	2020	NUM
elp-55194	231	6	]	]	X
elp-55194	231	7	ewhc	ewhc	PROPN
elp-55194	231	8	822	822	NUM
elp-55194	231	9	(	(	PUNCT
elp-55194	231	10	admin	admin	ADJ
elp-55194	231	11	)	)	PUNCT
elp-55194	231	12	.	.	PUNCT
elp-55194	232	1	note	note	VERB
elp-55194	232	2	17	17	NUM
elp-55194	232	3	.	.	PUNCT
elp-55194	233	1	john	john	PROPN
elp-55194	233	2	heathershaw	heathershaw	PROPN
elp-55194	233	3	and	and	CCONJ
elp-55194	233	4	tom	tom	PROPN
elp-55194	233	5	mayne	mayne	PROPN
elp-55194	233	6	,	,	PUNCT
elp-55194	233	7	„	„	PUNCT
elp-55194	233	8	explaining	explain	VERB
elp-55194	233	9	suspicious	suspicious	ADJ
elp-55194	233	10	wealth	wealth	NOUN
elp-55194	233	11	:	:	PUNCT
elp-55194	233	12	legal	legal	ADJ
elp-55194	233	13	enablers	enabler	NOUN
elp-55194	233	14	,	,	PUNCT
elp-55194	233	15	transnational	transnational	ADJ
elp-55194	233	16	kleptocracy	kleptocracy	NOUN
elp-55194	233	17	,	,	PUNCT
elp-55194	233	18	and	and	CCONJ
elp-55194	233	19	the	the	DET
elp-55194	233	20	failure	failure	NOUN
elp-55194	233	21	of	of	ADP
elp-55194	233	22	the	the	DET
elp-55194	233	23	uk‟s	uk‟s	PROPN
elp-55194	233	24	unexplained	unexplained	ADJ
elp-55194	233	25	wealth	wealth	NOUN
elp-55194	233	26	orders‟	orders‟	NOUN
elp-55194	233	27	(	(	PUNCT
elp-55194	233	28	2023	2023	NUM
elp-55194	233	29	)	)	PUNCT
elp-55194	233	30	26	26	NUM
elp-55194	233	31	journal	journal	NOUN
elp-55194	233	32	of	of	ADP
elp-55194	233	33	international	international	ADJ
elp-55194	233	34	relations	relation	NOUN
elp-55194	233	35	and	and	CCONJ
elp-55194	233	36	development	development	NOUN
elp-55194	233	37	301	301	NUM
elp-55194	233	38	.	.	PUNCT
elp-55194	233	39	https://www.gov.uk/government/statistics/crime-outcomes-in-england-and-wales-2021-to-2022/crime-outcomes-in-england-and-wales-2021-to-2022	https://www.gov.uk/government/statistics/crime-outcomes-in-england-and-wales-2021-to-2022/crime-outcomes-in-england-and-wales-2021-to-2022	PROPN
elp-55194	233	40	https://www.gov.uk/government/statistics/crime-outcomes-in-england-and-wales-2021-to-2022/crime-outcomes-in-england-and-wales-2021-to-2022	https://www.gov.uk/government/statistics/crime-outcomes-in-england-and-wales-2021-to-2022/crime-outcomes-in-england-and-wales-2021-to-2022	PROPN
elp-55194	233	41	www.scholink.org/ojs/index.php/elp	www.scholink.org/ojs/index.php/elp	PROPN
elp-55194	233	42	economics	economic	NOUN
elp-55194	233	43	,	,	PUNCT
elp-55194	233	44	law	law	NOUN
elp-55194	233	45	and	and	CCONJ
elp-55194	233	46	policy	policy	NOUN
elp-55194	233	47	vol	vol	NOUN
elp-55194	233	48	.	.	PUNCT
elp-55194	234	1	7	7	NUM
elp-55194	234	2	,	,	PUNCT
elp-55194	234	3	no	no	INTJ
elp-55194	234	4	.	.	NOUN
elp-55194	234	5	3	3	NUM
elp-55194	234	6	,	,	PUNCT
elp-55194	234	7	2024	2024	NUM
elp-55194	234	8	54	54	NUM
elp-55194	234	9	published	publish	VERB
elp-55194	234	10	by	by	ADP
elp-55194	234	11	scholink	scholink	PROPN
elp-55194	234	12	inc	inc	PROPN
elp-55194	234	13	.	.	PROPN
elp-55194	234	14	note	note	PROPN
elp-55194	234	15	18	18	NUM
elp-55194	234	16	.	.	PUNCT
elp-55194	235	1	„	„	PUNCT
elp-55194	235	2	asset	asset	NOUN
elp-55194	235	3	recovery	recovery	NOUN
elp-55194	235	4	statistical	statistical	ADJ
elp-55194	235	5	bulletin	bulletin	NOUN
elp-55194	235	6	:	:	PUNCT
elp-55194	235	7	financial	financial	ADJ
elp-55194	235	8	years	year	NOUN
elp-55194	235	9	ending	end	VERB
elp-55194	235	10	march	march	PROPN
elp-55194	235	11	2018	2018	NUM
elp-55194	235	12	to	to	ADP
elp-55194	235	13	march	march	PROPN
elp-55194	235	14	2023‟	2023‟	NUM
elp-55194	235	15	(	(	PUNCT
elp-55194	235	16	gov.uk	gov.uk	PROPN
elp-55194	235	17	)	)	PUNCT
elp-55194	235	18	.	.	PUNCT
elp-55194	236	1	<	<	AUX
elp-55194	236	2	https://www.gov.uk/government/statistics/asset-recovery-statistical-bulletin-financial-years-ending-20	https://www.gov.uk/government/statistics/asset-recovery-statistical-bulletin-financial-years-ending-20	PROPN
elp-55194	236	3	18	18	NUM
elp-55194	236	4	-	-	PUNCT
elp-55194	236	5	to-2023	to-2023	NOUN
elp-55194	236	6	/	/	SYM
elp-55194	236	7	asset	asset	NOUN
elp-55194	236	8	-	-	PUNCT
elp-55194	236	9	recovery	recovery	NOUN
elp-55194	236	10	-	-	PUNCT
elp-55194	236	11	statistical	statistical	ADJ
elp-55194	236	12	-	-	PUNCT
elp-55194	236	13	bulletin	bulletin	NOUN
elp-55194	236	14	-	-	PUNCT
elp-55194	236	15	financial	financial	ADJ
elp-55194	236	16	-	-	PUNCT
elp-55194	236	17	years	year	NOUN
elp-55194	236	18	-	-	PUNCT
elp-55194	236	19	ending	end	VERB
elp-55194	236	20	-	-	PUNCT
elp-55194	236	21	march-2018	march-2018	NOUN
elp-55194	236	22	-	-	PUNCT
elp-55194	236	23	to	to	ADP
elp-55194	236	24	-	-	PUNCT
elp-55194	236	25	march-2023	march-2023	NOUN
elp-55194	236	26	https://www.gov.uk/government/statistics/asset-recovery-statistical-bulletin-financial-years-ending-201	https://www.gov.uk/government/statistics/asset-recovery-statistical-bulletin-financial-years-ending-201	NOUN
elp-55194	236	27	8	8	NUM
elp-55194	236	28	-	-	PUNCT
elp-55194	236	29	to-2023	to-2023	NOUN
elp-55194	236	30	/	/	SYM
elp-55194	236	31	asset	asset	NOUN
elp-55194	236	32	-	-	PUNCT
elp-55194	236	33	recovery	recovery	NOUN
elp-55194	236	34	-	-	PUNCT
elp-55194	236	35	statistical	statistical	ADJ
elp-55194	236	36	-	-	PUNCT
elp-55194	236	37	bulletin	bulletin	NOUN
elp-55194	236	38	-	-	PUNCT
elp-55194	236	39	financial	financial	ADJ
elp-55194	236	40	-	-	PUNCT
elp-55194	236	41	years	year	NOUN
elp-55194	236	42	-	-	PUNCT
elp-55194	236	43	ending	end	VERB
elp-55194	236	44	-	-	PUNCT
elp-55194	236	45	march-2018	march-2018	NOUN
elp-55194	236	46	-	-	PUNCT
elp-55194	236	47	to	to	ADP
elp-55194	236	48	-	-	PUNCT
elp-55194	236	49	march-2023	march-2023	NOUN
elp-55194	236	50	>	>	VERB
elp-55194	236	51	accessed	access	VERB
elp-55194	236	52	17	17	NUM
elp-55194	236	53	april	april	PROPN
elp-55194	236	54	2024	2024	NUM
elp-55194	236	55	note	note	NOUN
elp-55194	236	56	19	19	NUM
elp-55194	236	57	.	.	PUNCT
elp-55194	236	58	alexandros	alexandros	PROPN
elp-55194	236	59	a.	a.	PROPN
elp-55194	236	60	papantoniou	papantoniou	PROPN
elp-55194	236	61	,	,	PUNCT
elp-55194	236	62	„	„	PUNCT
elp-55194	236	63	regtech	regtech	NOUN
elp-55194	236	64	:	:	PUNCT
elp-55194	236	65	steering	steer	VERB
elp-55194	236	66	the	the	DET
elp-55194	236	67	regulatory	regulatory	ADJ
elp-55194	236	68	spaceship	spaceship	NOUN
elp-55194	236	69	in	in	ADP
elp-55194	236	70	the	the	DET
elp-55194	236	71	right	right	NOUN
elp-55194	236	72	direction?‟	direction?‟	PROPN
elp-55194	236	73	(	(	PUNCT
elp-55194	236	74	2022	2022	NUM
elp-55194	236	75	)	)	PUNCT
elp-55194	236	76	6	6	NUM
elp-55194	236	77	journal	journal	NOUN
elp-55194	236	78	of	of	ADP
elp-55194	236	79	banking	banking	NOUN
elp-55194	236	80	and	and	CCONJ
elp-55194	236	81	financial	financial	ADJ
elp-55194	236	82	technology	technology	NOUN
elp-55194	236	83	1	1	NUM
elp-55194	236	84	.	.	PUNCT
elp-55194	236	85	note	note	NOUN
elp-55194	236	86	20	20	NUM
elp-55194	236	87	.	.	PUNCT
elp-55194	237	1	„	„	PUNCT
elp-55194	237	2	westpac	westpac	PROPN
elp-55194	237	3	accused	accuse	VERB
elp-55194	237	4	of	of	ADP
elp-55194	237	5	23	23	NUM
elp-55194	237	6	million	million	NUM
elp-55194	237	7	breaches	breach	NOUN
elp-55194	237	8	by	by	ADP
elp-55194	237	9	money	money	NOUN
elp-55194	237	10	laundering	laundering	NOUN
elp-55194	237	11	watchdog‟	watchdog‟	NOUN
elp-55194	237	12	(	(	PUNCT
elp-55194	237	13	the	the	DET
elp-55194	237	14	sydney	sydney	PROPN
elp-55194	237	15	morning	morning	PROPN
elp-55194	237	16	herald	herald	PROPN
elp-55194	237	17	,	,	PUNCT
elp-55194	237	18	20	20	NUM
elp-55194	237	19	november	november	PROPN
elp-55194	237	20	2019	2019	NUM
elp-55194	237	21	)	)	PUNCT
elp-55194	238	1	<	<	AUX
elp-55194	238	2	https://www.smh.com.au/business/companies/westpac-accused-of-large-scale-breaches-by-money-lau	https://www.smh.com.au/business/companies/westpac-accused-of-large-scale-breaches-by-money-lau	PROPN
elp-55194	238	3	ndering-watchdog-20191120-p53c8o.html	ndering-watchdog-20191120-p53c8o.html	PROPN
elp-55194	238	4	>	>	VERB
elp-55194	238	5	accessed	access	VERB
elp-55194	238	6	17	17	NUM
elp-55194	238	7	april	april	PROPN
elp-55194	238	8	2024	2024	NUM
elp-55194	238	9	.	.	PUNCT
elp-55194	239	1	note	note	NOUN
elp-55194	239	2	21	21	NUM
elp-55194	239	3	.	.	PUNCT
elp-55194	240	1	„	„	PUNCT
elp-55194	240	2	regulatory	regulatory	ADJ
elp-55194	240	3	sandbox‟	sandbox‟	PROPN
elp-55194	240	4	(	(	PUNCT
elp-55194	240	5	fca	fca	PROPN
elp-55194	240	6	,	,	PUNCT
elp-55194	240	7	1	1	NUM
elp-55194	240	8	march	march	NOUN
elp-55194	240	9	2022	2022	NUM
elp-55194	240	10	)	)	PUNCT
elp-55194	240	11	<	<	X
elp-55194	240	12	https://www.fca.org.uk/firms/innovation/regulatory-sandbox	https://www.fca.org.uk/firms/innovation/regulatory-sandbox	X
elp-55194	240	13	>	>	X
elp-55194	240	14	accessed	access	VERB
elp-55194	240	15	17	17	NUM
elp-55194	240	16	april	april	PROPN
elp-55194	240	17	2024	2024	NUM
elp-55194	240	18	.	.	PUNCT
elp-55194	241	1	note	note	VERB
elp-55194	241	2	22	22	NUM
elp-55194	241	3	.	.	PUNCT
elp-55194	242	1	„	„	PUNCT
elp-55194	242	2	global	global	ADJ
elp-55194	242	3	financial	financial	ADJ
elp-55194	242	4	innovation	innovation	NOUN
elp-55194	242	5	network	network	NOUN
elp-55194	242	6	(	(	PUNCT
elp-55194	242	7	gfin)‟	gfin)‟	PROPN
elp-55194	242	8	(	(	PUNCT
elp-55194	242	9	fca	fca	PROPN
elp-55194	242	10	,	,	PUNCT
elp-55194	242	11	29	29	NUM
elp-55194	242	12	january	january	NOUN
elp-55194	242	13	2019	2019	NUM
elp-55194	242	14	)	)	PUNCT
elp-55194	242	15	<	<	X
elp-55194	242	16	https://www.fca.org.uk/firms/innovation/global-financial-innovation-network	https://www.fca.org.uk/firms/innovation/global-financial-innovation-network	X
elp-55194	242	17	>	>	X
elp-55194	242	18	accessed	access	VERB
elp-55194	242	19	17	17	NUM
elp-55194	242	20	april	april	PROPN
elp-55194	242	21	2024	2024	NUM
elp-55194	242	22	.	.	PUNCT
elp-55194	243	1	note	note	VERB
elp-55194	243	2	23	23	NUM
elp-55194	243	3	.	.	PUNCT
elp-55194	244	1	„	„	PUNCT
elp-55194	244	2	cross	cross	ADJ
elp-55194	244	3	-	-	ADJ
elp-55194	244	4	border	border	ADJ
elp-55194	244	5	testing‟	testing‟	NOUN
elp-55194	244	6	(	(	PUNCT
elp-55194	244	7	gfin	gfin	NOUN
elp-55194	244	8	)	)	PUNCT
elp-55194	245	1	<	<	AUX
elp-55194	245	2	https://www.thegfin.com/crossborder-testing	https://www.thegfin.com/crossborder-teste	VERB
elp-55194	245	3	>	>	X
elp-55194	245	4	accessed	access	VERB
elp-55194	245	5	17	17	NUM
elp-55194	245	6	april	april	PROPN
elp-55194	245	7	2024	2024	NUM
elp-55194	245	8	.	.	PUNCT