Financial Intelligence
FININT — 1 — Intro + IBAN & CC
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Today, we embark on our journey into FININT, or Financial Intelligence. This field is a subset of OSINT filled with numerous complexities, valuable insights, tools, and methodologies that cannot be fully covered in a single book.
Financial intelligence involves gathering information about various entities’ financial dealings to comprehend their nature and capabilities and predict their intentions. This is often done within the context of law enforcement and related activities. One of the primary objectives of financial intelligence is to identify financial transactions that may involve tax evasion, money laundering, or other criminal activities. It also plays a crucial role in uncovering the financing of criminal and terrorist organizations.
FININT can be broadly categorized into two main areas: collection and analysis. Financial information is typically collected by a government agency known as a Financial Intelligence Unit (FIU), which gathers raw transactional data and Suspicious Activity Reports (SAR) provided by banks and other entities as part of regulatory requirements. This data may also be shared with other countries through intergovernmental networks. The analysis phase involves scrutinizing a large volume of transactional data using data mining or data-matching techniques to identify individuals potentially involved in specific activities. SARs can also be scrutinized and cross-referenced with other data to pinpoint specific activities.
Besides, hackers, pen-testers, and OSINT professionals use similar techniques to gather financial data when investigating a target online, along with target links, actions, and connections, often involving official software, dark websites, and other sources.
Collection & Analysis
Financial Intelligence, or FININT, encompasses the analysis of substantial transactional data, often furnished by financial institutions, to fulfil regulatory obligations. This process may involve data mining and matching methodologies to pinpoint individuals engaged in specific undertakings. Certain jurisdictions impose reporting mandates on financial entities. The legal landscape surrounding the procurement of raw data from financial institutions is intricate. For instance, the CIA gained entry to SWIFT data streams via the Terrorist Finance Tracking Program, contravening Belgian privacy statutes. Informal Value Transfer Systems (IVTS) may elude reporting obligations and be exploited for illicit purposes.
Financial intelligence analysis encompasses a range of critical tasks, including the identification of high-risk housing tenants through an examination of their past rental histories, the detection of taxpayers attempting to circumvent their fiduciary obligations by covertly transferring wealth out of tax-levying jurisdictions, the revelation of safe havens utilized by criminals for the concealment of illicit proceeds, the scrutiny of the disappearance of significant sums of money provided to targeted individuals, the investigation of sudden and unexplained windfalls within the finances of corrupt individuals, and the identification of connections between terrorist cells through the analysis of remittances.
What is an IBAN number?
The IBAN, or International Bank Account Number, is a globally recognized unique identifier for individual bank accounts. It consists of up to 34 alphanumeric characters and is used by financial institutions to facilitate international money transfers. IBANs amalgamate local bank details into a standardized format, simplifying identifying and processing cross-border transactions.
When do you need an IBAN number?
You must provide an International Bank Account Number (IBAN) when making international money transfers through most European banks. The IBAN is a standardized way to uniquely identify bank accounts and ensure the accurate routing of funds. This system offers increased security and efficiency, reducing the risk of errors or misdirected payments. While the use of IBAN is becoming more widespread globally, it’s essential to know that additional information may be necessary when sending money to a foreign country.
Here are some tools 4 Basic Iban Recon
XE
It is a free online service that helps validate and decode International Bank Account Numbers (IBANs). The IBAN system is used by many countries to standardize the format of bank account information for international money transfers. The calculator can ensure that your IBAN is in the correct format, which is crucial for processing international transactions efficiently and avoiding errors or additional charges. You can usually find your IBAN by logging into your online banking or checking your bank statement. The service also provides information on an IBAN, its use, and how to send payments using one.
IBAN Calculator
The IBAN Calculator provides tools to validate and decode International Bank Account Numbers (IBANs). It is designed to ensure that IBANs are in the correct format, essential for processing international money transfers without errors. The site offers features such as IBAN Validation, which allows you to check if an IBAN is correct by entering it. It will validate the IBAN and show the corresponding BIC (Bank Identifier Code). It also offers IBAN Completion, which allows you to enter question marks in place of unknown digits in an IBAN, and the calculator will automatically complete the IBAN for you. Additionally, the service can help you find BIC, Bank, or Bank Codes by converting a national account number into an IBAN, finding bank information, and guaranteeing the correctness of the information provided.
IBAN
IBAN.com’s IBAN Checker is a user-friendly online tool specifically designed to validate and verify the accuracy of International Bank Account Numbers (IBANs) for individuals and businesses involved in international financial transactions. The tool offers comprehensive features, including IBAN validation, BIC identification, error detection using the MOD97 algorithm, and a currency converter for seamless cross-border transactions. The IBAN Checker is a reliable resource to ensure the correctness and validity of IBANs, ultimately contributing to smooth and error-free international money transfers.
Swifttref
SwiftRef, a comprehensive set of products provided by SWIFT, a leading global provider of secure financial messaging services. One of the tools available within SwiftRef is the BIC Search tool, an online application that enables users to search for Bank Identifier Codes (BICs) easily. This tool offers various functions, including BIC Lookup, Institution Search, Country and City Search, and SwiftRef Data. It is precious for professionals in the finance and banking sectors who need to accurately identify and validate BICs for international payments and other financial transactions.
Or
https://bank-code.net/iban-calculator
It is important to note that most online banking platforms provide the account holder’s full name before starting a money transfer.
This feature can also be used to gather extra data.
Due to the sensitive nature of banking operations, it is wise to refrain from providing guidance on extracting additional data from banking applications.
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FININT, which stands for financial intelligence, is a comprehensive field that extends beyond just IBANs. It encompasses various aspects of financial transactions, including credit cards, cryptocurrencies, and other forms of financial movement. Due to the complexity of these topics, we will now delve into specific tools and methods related to CC.
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