<p style="text-align:center"><br /> <span style="font-family:Arial,Helvetica,sans-serif; font-size:14pt">&nbsp;</span></p> <table border="1" cellpadding="1" cellspacing="1" style="width:1000px"> <tbody> <tr> <td> <p style="text-align:center">&nbsp;</p> <p style="text-align:center"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%"><span style="font-size:24.0pt"><strong>금융지주회사 자회사간 공동 대응으로 </strong></span></span></span></p> <p style="text-align:center"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%"><span style="font-size:24.0pt"><strong>보이스피싱을 예방합니다</strong></span><span style="font-size:24.0pt"><strong>.</strong></span></span></span></p> <p style="text-align:center">&nbsp;</p> <p style="text-align:center"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%"><span style="font-size:14.0pt"><strong>금융지주회사 자회사간 보이스피싱 의심정보 공유를 허용하는 혁신금융서비스 신규 지정 </strong></span></span></span></p> <p style="text-align:center">&nbsp;</p> </td> </tr> </tbody> </table> <p>&nbsp;</p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:170%"><span style="font-size:14.0pt"><strong>금융위원회</strong></span><span style="font-size:14.0pt">(</span><span style="font-size:14.0pt">위원장 이억원</span><span style="font-size:14.0pt">)</span><span style="font-size:14.0pt">는 </span><span style="font-size:14.0pt">9</span><span style="font-size:14.0pt">월 </span><span style="font-size:14.0pt">17</span><span style="font-size:14.0pt">일</span><span style="font-size:14.0pt">(</span><span style="font-size:14.0pt">수</span><span style="font-size:14.0pt">) </span><span style="font-size:14.0pt">제</span><span style="font-size:14.0pt">16</span><span style="font-size:14.0pt">차 정례회의를</span> <span style="font-size:14.0pt">개최하여</span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt">㈜</span><span style="font-size:14.0pt">신한금융지주회사의 자회사인 </span><span style="font-size:14.0pt">㈜</span><span style="font-size:14.0pt"><strong>신한은행</strong></span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt"><strong>신한카드</strong></span><span style="font-size:14.0pt">㈜</span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt"><strong>신한투자증권</strong></span><span style="font-size:14.0pt">㈜</span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt"><strong>신한라이프생명보험</strong></span><span style="font-size:14.0pt">㈜</span><span style="font-size:14.0pt">에 대해 </span><span style="font-size:14.0pt"><strong>보이스피싱 의심거래 탐지시 고객정보</strong></span> <span style="font-size:14.0pt">등을 </span><span style="font-size:14.0pt"><strong>공유</strong></span><span style="font-size:14.0pt">할 수 있도록 </span><span style="font-size:14.0pt"><strong>혁신금융서비스 지정안</strong></span><span style="font-size:14.0pt">을 </span><span style="font-size:14.0pt"><strong>의결</strong></span><span style="font-size:14.0pt">하였다</span><span style="font-size:14.0pt">.</span></span></span></p> <p>&nbsp;</p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:170%"><span style="font-size:14.0pt">현재 </span><span style="font-size:14.0pt">금융회사들은 이상금융거래탐지시스템</span><span style="font-size:12.0pt">(FDS)</span><span style="font-size:14.0pt">으로 </span><span style="font-size:14.0pt"><strong>보이스피싱 범죄 </strong></span><span style="font-size:14.0pt"><strong>의심</strong></span><span style="font-size:14.0pt"><strong>계</strong></span><span style="font-size:14.0pt"><strong>좌를 탐지</strong></span><span style="font-size:14.0pt">하여 </span><span style="font-size:14.0pt"><strong>이체를 제한</strong></span><span style="font-size:14.0pt">하거나</span> <span style="font-size:14.0pt"><strong>거래를 정지</strong></span><span style="font-size:14.0pt">하고</span> <span style="font-size:14.0pt">있으나</span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt">사기이용</span><span style="font-size:14.0pt">계좌와 달리 </span><span style="font-size:14.0pt"><strong>피해가 의심되는 계좌</strong></span><span style="font-size:14.0pt">에 대해서는 </span><span style="font-size:14.0pt"><strong>법령상 </strong></span><span style="font-size:14.0pt">금융회사간 </span><span style="font-size:14.0pt"><strong>공유 </strong></span><span style="font-size:14.0pt"><strong>근거가 </strong></span><span style="font-size:14.0pt"><strong>없어</strong></span> <span style="font-size:14.0pt">즉시 정보를 공유할 수가 없었다</span><span style="font-size:14.0pt">. </span><span style="font-size:14.0pt">특히 금융지</span><span style="font-size:14.0pt">주회사의 </span><span style="font-size:14.0pt">경우</span> <span style="font-size:14.0pt">자회사간 공통의 은행계좌를 사용하는 고객이 있음에도</span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt">FDS</span><span style="font-size:14.0pt">에 탐지</span><span style="font-size:14.0pt">된 </span><span style="font-size:14.0pt"><strong>고객정보를 공유</strong></span><span style="font-size:14.0pt">하는 데에 </span><span style="font-size:14.0pt"><strong>제약</strong></span><span style="font-size:14.0pt">*</span><span style="font-size:14.0pt">이 있어</span> <span style="font-size:14.0pt"><strong>계좌개설</strong></span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt"><strong>이체</strong></span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt"><strong>대출</strong></span><span style="font-size:14.0pt">,</span> <span style="font-size:14.0pt"><strong>카드론</strong></span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt"><strong>현금</strong></span><span style="font-size:14.0pt"><strong>서비스</strong></span> <span style="font-size:14.0pt">등이 동시다발적으로 발생하는 보이스피싱 피해에</span> <span style="font-size:14.0pt">금융지주회사 차원에서 </span><span style="font-size:14.0pt"><strong>신속하게 대응</strong></span><span style="font-size:14.0pt">하는 것이 </span><span style="font-size:14.0pt"><strong>어려웠다</strong></span><span style="font-size:14.0pt"><strong>.</strong></span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:170%">&nbsp; </span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:130%"><span style="font-size:12.0pt">* </span><span style="font-size:12.0pt">금융지주회사의 자회사 등은 내부통제 등 내부경영관리 목적에 한하여 다른 자회사</span> <span style="font-size:12.0pt">등에게 고객의 동의없이 금융거래정보 등 제공 가능</span><span style="font-size:12.0pt">(</span><span style="font-size:12.0pt">금융지주회사법</span><span style="font-size:12.0pt">&sect;48</span><span style="font-size:12.0pt">조의</span><span style="font-size:12.0pt">2</span><span style="font-size:12.0pt">①</span><span style="font-size:12.0pt">,</span><span style="font-size:12.0pt">②</span><span style="font-size:12.0pt">)</span></span></span></p> <p>&nbsp;</p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:170%"><span style="font-size:14.0pt">금번 혁신금융서비스 지정으로 </span><span style="font-size:14.0pt">㈜</span><span style="font-size:14.0pt"><strong>신한은행</strong></span> <span style="font-size:14.0pt">등 </span><span style="font-size:14.0pt"><strong>신한금융지주 내 </strong></span><span style="font-size:14.0pt"><strong>4</strong></span><span style="font-size:14.0pt"><strong>개 </strong></span><span style="font-size:14.0pt"><strong>자</strong></span><span style="font-size:14.0pt"><strong>회사</strong></span><span style="font-size:14.0pt">는 </span><span style="font-size:14.0pt"><strong>보이스피싱 의심거래</strong></span> <span style="font-size:14.0pt"><strong>탐지시</strong></span> <span style="font-size:14.0pt"><strong>고객</strong></span><span style="font-size:14.0pt">의</span> <span style="font-size:14.0pt"><strong>금융거래정보</strong></span> <span style="font-size:14.0pt">등을 </span><span style="font-size:14.0pt"><strong>금융지</strong></span><span style="font-size:14.0pt"><strong>주회사내 자회사간에 실시간으로 전파</strong></span><span style="font-size:14.0pt">할 수 있게 되며</span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt">정보를 수신한 </span><span style="font-size:14.0pt">자회사는 </span><span style="font-size:14.0pt"><strong>고객 문진 강화</strong></span><span style="font-size:14.0pt"><strong>, </strong></span><span style="font-size:14.0pt"><strong>거래정지 등의 적극적 조치</strong></span><span style="font-size:14.0pt">가 가능해진다</span><span style="font-size:14.0pt">.</span> <span style="font-size:14.0pt"><strong>금융지주그룹의 공동 대응</strong></span><span style="font-size:14.0pt">으로 동시다발적 </span><span style="font-size:14.0pt">보이</span><span style="font-size:14.0pt">스피싱 피해에</span> <span style="font-size:14.0pt">대한 </span><span style="font-size:14.0pt"><strong>일괄적인</strong></span> <span style="font-size:14.0pt"><strong>임시조치 등</strong></span><span style="font-size:14.0pt">도</span> <span style="font-size:14.0pt"><strong>가능</strong></span><span style="font-size:14.0pt">해져</span><span style="font-size:14.0pt">,</span> <span style="font-size:14.0pt">금융회사의 </span><span style="font-size:14.0pt"><strong>고객보호</strong></span><span style="font-size:14.0pt">가 </span><span style="font-size:14.0pt"><strong>강화</strong></span><span style="font-size:14.0pt">될 것으로 기대된다</span><span style="font-size:14.0pt">. </span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:14.0pt"><span style="line-height:170%"><strong>&nbsp; </strong></span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:170%"><span style="font-size:14.0pt">추가적으로</span><span style="font-size:14.0pt">,</span> <span style="font-size:14.0pt">보이스피싱 의심정보의 공유범위가 지나치게 확대되지 않도록 </span><span style="font-size:14.0pt"><strong>공유대상 정보를 보이스피싱 예방을 위한 필수적인 정보</strong></span><span style="font-size:14.0pt">*</span><span style="font-size:14.0pt"><strong>로 한정</strong></span><span style="font-size:14.0pt">하고</span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt">정보를</span> <span style="font-size:14.0pt">공유한 경우 </span><span style="font-size:14.0pt"><strong>해당 정보주체에게 분기별로</strong></span> <span style="font-size:14.0pt">정보공유 </span><span style="font-size:14.0pt"><strong>시점</strong></span><span style="font-size:14.0pt">과</span> <span style="font-size:14.0pt"><strong>사유 등</strong></span><span style="font-size:14.0pt">에 대해</span> <span style="font-size:14.0pt"><strong>문자메세지 등의 방법</strong></span><span style="font-size:14.0pt">을 통해 </span><span style="font-size:14.0pt"><strong>통보</strong></span><span style="font-size:14.0pt">할 것을 </span><span style="font-size:14.0pt"><strong>부가조건</strong></span><span style="font-size:14.0pt">으로 하였다</span><span style="font-size:14.0pt">. </span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:6.0pt"><span style="line-height:170%"><strong>&nbsp; </strong></span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%"><span style="font-size:11.0pt">* </span><span style="font-size:11.0pt">통합그룹</span><span style="font-size:11.0pt">ID, </span><span style="font-size:11.0pt">금융회사명</span><span style="font-size:11.0pt">, </span><span style="font-size:11.0pt">거래유형</span><span style="font-size:11.0pt">(</span><span style="font-size:11.0pt">송금</span><span style="font-size:11.0pt">, </span><span style="font-size:11.0pt">대출 등</span><span style="font-size:11.0pt">), </span><span style="font-size:11.0pt">일시</span><span style="font-size:11.0pt">, </span><span style="font-size:11.0pt">위험도</span><span style="font-size:11.0pt">(</span><span style="font-size:11.0pt">확정</span><span style="font-size:11.0pt">, </span><span style="font-size:11.0pt">의심</span><span style="font-size:11.0pt">1, </span><span style="font-size:11.0pt">의심</span><span style="font-size:11.0pt">2), </span><span style="font-size:11.0pt">위험도 판단사유</span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%"><span style="font-size:11.0pt">※ </span><span style="font-size:11.0pt">수신받은 금융지주회사의 자회사에서 통합그룹</span><span style="font-size:11.0pt">ID</span><span style="font-size:11.0pt">가 없는 경우 즉시 정보 파기</span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:14.0pt"><span style="line-height:170%"><strong>&nbsp; </strong></span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:170%"><span style="font-size:14.0pt">금융위원회는 </span><span style="font-size:14.0pt"><strong>선제적인 보이스피싱 탐지 및 예방체계 구축</strong></span><span style="font-size:14.0pt">을 위해 </span><span style="font-size:14.0pt">지난 </span><span style="font-size:14.0pt">8.28</span><span style="font-size:14.0pt">일</span><span style="font-size:14.0pt">(</span><span style="font-size:14.0pt">목</span><span style="font-size:14.0pt">) </span><span style="font-size:14.0pt">관계부처 합동으로 발표한 </span><span style="font-size:14.0pt">&lsquo;</span><span style="font-size:14.0pt"><strong>보이스피싱 </strong></span><span style="font-size:14.0pt"><strong>근절 종합방</strong></span><span style="font-size:14.0pt"><strong>안</strong></span><span style="font-size:14.0pt">&rsquo;</span><span style="font-size:14.0pt">에</span> <span style="font-size:14.0pt">따라</span> <span style="font-size:14.0pt"><strong>금융</strong></span><span style="font-size:14.0pt"><strong>-</strong></span><span style="font-size:14.0pt"><strong>통신</strong></span><span style="font-size:14.0pt"><strong>-</strong></span><span style="font-size:14.0pt"><strong>수사</strong></span> <span style="font-size:14.0pt">분야의 </span><span style="font-size:14.0pt">의심정보를 </span><span style="font-size:14.0pt"><strong>집중</strong></span><span style="font-size:14.0pt"><strong>&middot;</strong></span><span style="font-size:14.0pt"><strong>공유</strong></span><span style="font-size:14.0pt">할 수 있는</span><span style="font-size:14.0pt"><strong>「</strong></span><span style="font-size:14.0pt"><strong>보이스</strong></span><span style="font-size:14.0pt"><strong>피싱</strong></span> <span style="font-size:14.0pt"><strong>AI </strong></span><span style="font-size:14.0pt"><strong>플랫폼</strong></span><span style="font-size:12.0pt"><strong>(</strong></span><span style="font-size:12.0pt"><strong>가칭</strong></span><span style="font-size:12.0pt"><strong>)</strong></span><span style="font-size:14.0pt">」</span><span style="font-size:14.0pt">을 </span><span style="font-size:14.0pt">구축하고 있으며</span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt">향후 </span><span style="font-size:14.0pt">기관 </span><span style="font-size:14.0pt">간의 </span><span style="font-size:14.0pt"><strong>의심정보 공유</strong></span><span style="font-size:14.0pt">를</span> <span style="font-size:14.0pt"><strong>제도적으로 뒷받침</strong></span><span style="font-size:14.0pt">할 수 있도록 </span><span style="font-size:14.0pt"><strong>통신사기피해환급법 개정</strong></span><span style="font-size:14.0pt">을 추진할 예정이다</span><span style="font-size:14.0pt">. </span></span></span></p> <div>&nbsp;</div>