The article is devoted to Improving the system of financial monitoring of the bank by automating the process of verification of bank customers. One of the simplest, but one of the most relevant, in terms of combating money laundering, is the process of assessing the level of invalidity of the client. However, it is not so much his financial capacity as his reputation and the level of probability of involvement in the legalization of criminal proceeds. The bank's clients are the second link in the process of legalization of criminal proceeds, namely an element of the placement process. If the bank's clients place criminally obtained funds, the process of their further identification will become much more complicated and will require additional efforts. Automation of identification and verification processes helps not only to save time on establishing the client's involvement in the legalization of criminal proceeds, but also eliminates the risk of involvement of the bank employee in such operations. Automation of customer identification and verification processes should include full or partial automation of processes: filling out a customer card in an automated banking system; filling in the electronic questionnaire of the client; checking the client's affiliation with politically significant and related persons and obtaining permission to establish business relations with them; customer data verification; financial condition assessments; customer reputation assessments; customer risk assessment; receiving a decision-proposal to establish a business relationship with the client or to refuse service; further updating of data; risk reassessment. Recently, it is especially important to assess the bank's client's affiliation with a politically significant person, as well as to establish the ultimate beneficial owner of the client. A study of the full implementation and enforcement of international agreements between the Government of Ukraine and the United States on tax claims on foreign accounts also found a place. Therefore, the process of identification and verification of customers is very important, and its rational automation can free up time for the bank's specialists to carry out the process of customer verification, which is impossible to conduct online.

The article is stressed on a method for assessing the risk of using banks for money laundering based on gravity modeling. Stimulatory factors are reduced to a comparable form by applying relative normalization. The priority of factors is determined using the principal components method. It is determined an integration indicator of a quantitative assessment of a country's rating concerning the characteristics of determining the level of money laundering risk by using Minkowski's metrics. It is built an economic-mathematical model for estimating the risk of money laundering based on the equation of the law of gravitational gravity and gravitational force in social phenomena. It is proved the expediency of application of the developed methodology in the decision of actual questions connected with reduction of risks for the country from the side of money laundering which serves as a basis for perfection of economic policy standards of the state concerning the strengthening of national economic security.

The general architecture of the automated information system of financial monitoring consisting of 4 levels is developed in the article: internal financial monitoring of economic agents (level 1), bank financial monitoring (Client-bank - level 2), state financial monitoring ( level 3), law enforcement and intelligence organs (level 4). The model was developed using the Bizagi Studio software product and modern BPMN 2.0 notation for automated monitoring of the business process of financial transactions through the "Client-Bank" system, which reveals the purpose and subject of the study. Relevant criteria for verifying the content of financial transactions are 10 factors unified for different economic agents and 13 verification criteria implemented directly at the second level of verification in the system "Client-Bank." The paper confirms that to implement an effective and efficient system of response to any alarming or suspicious actions related to financial transactions, it is necessary to use automated financial monitoring systems, conducting internal audits of economic agents' financial transactions to achieve quality monitoring in the "Client-Bank" system. This allows making the identification of potential threats with a high degree of probability. If there is a noncompliance with any of the verification criteria, the automated system of verification of financial transactions generates messages to the services of state financial monitoring, law enforcement, and intelligence agencies. The results of the developed business process models of the automatic system for internal monitoring of economic agents and the automatic business process monitoring of financial transactions by the bank can be implemented in the work of primary financial monitoring entities, directly, into the banks, credit unions, pawnshops, insurance companies, other financial institutions, and payment institutions and organizations.