Traffiking and Slavery. Follow the Money. Such an important addition to the investigation and interruption of crimes that are conservatively put at costing over 150 Billion dollars a year. Karim Rajwani, B.A, F.C.A. C.P.A. ACAMS talks to me of his extensive history in several settings helping combat these scourges on our communities. We discuss the growth of these crimes as well as strategies adopted to support law enforcement. We talk about the huge need for more training, awareness raising accross the world. So much known yet so much to do including practical ideas that everyone can help with–such as challenging your own financial providers-banks, insurance companies etc – to say what training their staff has had in methods to shine a light on traffikers, slavery in all its forms and child exploitation. Currently he is an independent Financial Crimes Consultant advising financial instructions, consulting firms and FinTech’s and is also on several NGOs/NPOs advisory boards focused on fighting human trafficking and child sexual exploitation.
He was the SVP, Chief Operating Officer at Scotiabank, leading the bank’s Financial Crime remediation activities including transaction monitoring and screening. Mr. Rajwani also had global responsibility for AML Threat Intelligence, as well as the Strategic Planning, Project Management Office and the AML Solution Delivery.
Prior to that was he was the Global Head of Financial Crime Investigations and Intelligence, the Global Head of Financial Crime Technology Strategy, and the Money Laundering Reporting Officer at Deutsche Bank. In this role he was also responsible for the AML remediation program in response to regulatory actions as well as major client investigations.
He was also the Chief Anti-Money Laundering lead for the RBC Financial Group (RBC), where he oversaw the design, implementation and the day-to-day management of the Anti Money Laundering, Sanctions, Anti Bribery and Corruption and High-Risk Client Management) Programs for more than 15 years. In addition, he was responsible for the AML Compliance, Investigations and Data Science teams globally.
He also has significant experience in financial crime technology, managing artificial intelligence/data science teams as well as developing strategies for tacking human trafficking and child sexual exploitation, including leading a number public-private partnership. He continues to advise Fintech as well as NGOs/NPOs. He is a Board Member/Advisory Board Member for various NGOs and Hospitals.
In addition to his risk management experience, Mr. Rajwani is a Chartered Accountant both in Canada as well as the UK and has worked for various Financial Institutions, Chartered Accounting and Management Consulting firms. In these roles, he has overseen the implementation of several enterprise-wide risk management and compliance initiatives and in total 40 years of risk management, compliance, audit, and financial accounting experience.
Mr. Rajwani was also a member of the Advisory Council on National Security for the Office of the Prime Minister of Canada between 2009 and 2012. He created and the Co-Chaired the Canadian Chapter of the Association of Certified Anti Money Specialists (ACAMS) and was a member of the Advisory Board of ACAMS. Currently on the advisory boards of Rahab’s Daughters and the Anti Human Trafficking Intelligence Initiative, he is also a lecturer and international speaker including at the UN, training law enforcement, ACAMs as well as University Masters Programs.
https://www.protectchildren.ca/en/
https://fintrac-canafe.canada.ca/intel/operation/exploitation-eng
https://followmoneyfightslavery.org/
https://www.iwf.org.uk/
David is on the International Advisory Panel of the GISW
[00:00:00] Well, welcome back to Thoughts On The Social World, the Social World Podcast. I'm Dave
[00:00:19] Niven and as usual it's a delight to have your company and I am pursuing a subject
[00:00:25] we pursued before, human trafficking, anti-slavery but this one's more specific it's
[00:00:33] full of the money and I've never had an expert on here before and so I'm absolutely delighted
[00:00:38] to have Irene Rajwani who is a financial expert whose history has been involved fully in
[00:00:46] the finance industry but has also now been absorbed into the anti-trafficking world
[00:00:53] if you like and he is considered to be an expert in this and working with anti-trafficking
[00:00:59] intelligence initiative ATII which people have had on this program many times so look, welcome
[00:01:06] to the program Karim. Thank you. And it's a pleasure to have you and I'm so glad that
[00:01:13] we can look at this aspect of it and allow people to learn a little bit more about this
[00:01:19] side of things the financial side of things and how they can participate and how they can
[00:01:25] have their awareness raised so how did you start getting involved in this in the first
[00:01:32] place? Sure, Dan and thank you for inviting me. My background is really a chartered account
[00:01:41] and actually in the UK before I moved to Canada and became a CPA here but I joined sort
[00:01:49] of the banking industry and got into the AML space when the regulations were first coming
[00:01:57] out in Canada in 2001 so really the role was to sort of build out the anti-money lowering
[00:02:04] program and soon after that I really came across a lady Leigh Ann McDonnell who heads up the
[00:02:14] Canadian Centre for Child Protection and that's sort of the sort of primary sort of centre
[00:02:20] for monitoring sexually explicit images on the internet. And we started sort of a project
[00:02:30] from there in terms of how do we go about identifying sort of at that case child sexual exploitation
[00:02:39] but then over the years I've been involved in a number of initiatives on human trafficking
[00:02:45] and child sexual exploitation more broadly. As you said involved with the ATII, the anti-human
[00:02:53] trafficking intelligence initiatives where I share their advice report and act as a senior advisor
[00:03:02] and also the rehab stortals which focusses on rescuing trafficking and victims.
[00:03:11] It's quite a responsibility, I mean this sounds a very simplistic question but first of all
[00:03:20] did you feel that you're making progress? That is a great question and it may not seem so
[00:03:30] because if you look in the size of the problem and what we can go into that in more detail
[00:03:36] versus sort of the number of victims that have been rescued identified, funds stopped
[00:03:45] the number of suspicious activity reports filed. You know doesn't seem to show that we're making
[00:03:52] a difference but you know how do you ask me 10 years ago what's a financial institutions role
[00:04:00] in stopping human trafficking and child sexual exploitation I would have said non-zero.
[00:04:07] Not sure what we have to do about this but if you look at it now a lot of institutions are doing
[00:04:14] something about it. It's become a regulatory party globally regulators are putting out guidance
[00:04:23] on this particular issue there's a lot of material at their now for financial institutions in terms
[00:04:31] of other red flags what is it you look for? So I think a lot of work is being done but like
[00:04:39] my opinion is a lot more needs to be done. I mean look I couldn't help but I agree with you more
[00:04:45] because I think in every aspect of people trying to advance the cause of protecting
[00:04:53] the vulnerable and the victims of both abuse and trafficking the scale of the problem
[00:04:58] I believe is such in a way that it's hugely difficult to actually put figures on things but
[00:05:05] maybe we could start with that and if you could just give us a sense of in your understanding
[00:05:10] of the scale of the problem and then possibly almost like a beginner's guide to the sort of
[00:05:15] the way and the mechanics if you like of financial kind of oversight of this and how that might help.
[00:05:26] Sure yeah so if you let's start with sort of the magnitude of the problem and this is just based
[00:05:34] on what we know from published reports such as the UN reports you know they estimate this to be
[00:05:47] $150 billion wrong globally that's all forms of human trafficking and what do we mean by that
[00:05:58] there is obviously sex trafficking child sexual exploitation, labor trafficking and where is
[00:06:05] other forms of trafficking that sort of problem is over $150 billion problem.
[00:06:15] Now that's just based on what we know probably bigger if you look at child sexual exploitation
[00:06:23] formal more difficult to sort of pinpoint that in terms of the problem but just about every
[00:06:31] report you read suggests that there are that is a massive increase in the hundreds in the thousands
[00:06:39] of of sense. Some of this could be to sort of could be due to better reporting but also I think
[00:06:46] what we are seeing is the spread of the internet, the spread of smartphones.
[00:06:51] Children having access to smartphones has exacerbated the problem and that most recently which
[00:06:59] is probably not in the statistics is something called sex torsion. Right kids are unratated this
[00:07:09] is individuals organize crime gangs pretending to be young females convince a young boy right now
[00:07:18] primarily the young boys under 18 to share a new picture and then sexual sexual them. Black male
[00:07:29] yeah black male them essentially and that has grown anywhere between a thousand and seven thousand
[00:07:35] just over the past couple of years. And it does it is leading to to use suicide right and you know
[00:07:45] the victims whether they're human trafficking victims child sexual exploitation victims or sex torsion
[00:07:52] victims you know it's a lifelong process of rehabilitation if ever so you know you are taking them out
[00:08:01] of society for a very long period of time so this is a you know one off thing it's a lifelong
[00:08:08] trauma. I mean obviously you would say like most people who are involved in this that massive more
[00:08:16] resources are needed to help combat this but could you just give us a bit of an idea of how maybe
[00:08:24] people on the front line might be more aware and unhelpful to combating this.
[00:08:33] Yeah and not the general public for the banking industry you know that's where sort of my focus
[00:08:40] it area is I think now there is just so much information available to read about this
[00:08:48] there are UN reports what you have to do is you know UN human trafficking and you'll get the
[00:08:56] most latest report around child sexual exploitation if you go to the Canadian Centre for Child
[00:09:03] Protection there were a lot of research for people not just in terms of the magnitude of the
[00:09:09] problem but what can parents do, what can teachers do, what can social workers do
[00:09:15] to identify to protect kids the ADA I-I website there are you know regulators publish red flags
[00:09:25] like Ben Tracking Canada as an extensive list of red flags for human trafficking and child
[00:09:32] sexual exploitation they conducted two projects with a bank project protect and project shadow
[00:09:39] even all those up and there's an enormous amount of reading so I think for people to say
[00:09:47] I don't know there's nowhere to find this information as a fallacy right now
[00:09:52] there is more than enough information out there cyberchip.ca
[00:09:59] let me ask I sorry I interrupt you but I mean I don't listen but let me let me ask you this
[00:10:04] anything like all the things you've just listed from the ATI website and so forth
[00:10:09] I will make sure is on the front page of this podcast for people to reference and to look at
[00:10:16] and to learn so you know not only the things you've said but anything else afterwards that we
[00:10:22] discussed that you thought of that might point people in the direction of a better awareness
[00:10:28] I will put on the front of this podcast I just want people to understand that.
[00:10:33] Yeah and I can share sort of I've been sort of I go through this on a regular basis and I just
[00:10:39] dump the stuff onto a PowerPoint it's not worry pretty you know I don't spend time making it pretty
[00:10:46] it's really made for my own purpose to sort of keep a track of what's going on
[00:10:51] you know I can give you a link to that so people have sort of one place to look at at least 80%
[00:10:58] of the information it won't be 100% but you know a big chunk of it will be there.
[00:11:03] Excellent well look and let's start a little bit looking at obstacles
[00:11:09] that you've found to progress here. Have you come across much many obstacles within the
[00:11:19] professional world maybe the financial world for example I mean I was under the impression you do
[00:11:25] get 80 II etc does get quite a good relationship and listen and people that listen but there must be
[00:11:32] others that don't quite get it yet I mean have you come across much of that.
[00:11:39] I think let's talk to the financial world right I think it is become really important it has become
[00:11:47] a priority. I think the challenge becomes with financial institutions because there's just so
[00:11:57] many other priorities you know because if you talk about financial crime and predicate
[00:12:05] offenses there's you know a slew of information or responsibilities out there all of them must be
[00:12:14] monitored. The challenge with this particular area is you know typically it in money laundering
[00:12:22] and fraud you are looking for you know high volume high frequency you know repeat sort of repetition
[00:12:35] you know so the certain larger amounts higher risk countries with this I think the problem here is
[00:12:45] it's very low value and it's low frequency so from from an identification perspective historically
[00:12:55] it has been extremely difficult to identify that's not to say you know there's been no progress significant
[00:13:02] progress has been made but this is where I'd say institutions probably need to focus more resources
[00:13:10] and understanding you know how best to sort of retune their capabilities and assistance to focus
[00:13:21] on these sort of low value low frequency because each transaction is fairly small like for
[00:13:28] six torsion it could be eight dollars it could be twenty dollars it could be a hundred dollars so not
[00:13:33] an easy problem you know to solve for but certainly I think technology's come a long way to
[00:13:41] help here. So what about training can it kind of just ask you quickly before you go on about
[00:13:45] training in the financial world I mean public facing people that if you like the more junior members
[00:13:51] the bank tellers or wherever I can imagine too and but are the more senior people who are actually
[00:13:57] analysing you know if you like the whole throughput I mean are you managing to alert people
[00:14:05] enough and provide people with training if they if they listen to you is that something that's
[00:14:12] needing more resources. Certainly I think the banks who are focused on this do have dedicated
[00:14:21] programs on human trafficking what to look for there are banks who even help open survivor
[00:14:31] accounts without sort of getting into the names so and there's lots of training out there.
[00:14:38] So the associate association of certified anti-money learning specialists has a free training
[00:14:45] program out there for this so it doesn't cost anything you just sign up take the training so
[00:14:50] there's various trainings on there who in the financial institution sorry who who would actually
[00:14:55] sign up for it ideally in your view. So there are some previous groups yeah certainly the front line
[00:15:02] to recognise you know if a victim comes in with with a pimpe it's critical that front line staff
[00:15:10] understand that and alert the sort of relevant groups in the organisation the investigation groups
[00:15:18] within financial institutions you know what we go are internal financial intelligence units
[00:15:25] these are the teams that investigate you know all transactions for potential suspicious
[00:15:32] activity you know that's a really important group that should be trained and then finally
[00:15:41] the the teams that are developing the algorithms you know the data science teams yeah to
[00:15:47] better understand what is the problem because without understanding the uniqueness of the problem it's
[00:15:52] really difficult to design the rules to identify it that makes good sense and obviously you need support
[00:16:01] from senior management and so it's it's really important that there's tone at the top this comes
[00:16:08] from top down and this is important so I think senior management do need to be aware and be made
[00:16:14] aware of the size of the problem this isn't something that's happening somewhere else this isn't
[00:16:22] something that's happening to immigrants being brought into a country this is a domestic problem
[00:16:30] predominantly that's interesting yeah you know while it's it's horrific no matter who it happens to
[00:16:39] but there is a belief this isn't happening here and if it is happening it's just your people
[00:16:45] brought in smuggled no no it's happening to you know UK Canadian American women the average age
[00:16:55] is like 12 12 to 14 years entry into the sex trade so it's happening to our kids are women are boys
[00:17:06] and so massive right it's a massive problem yeah can I mean obviously the podcast has
[00:17:14] a fairly worldwide audience but a lot of it obviously as you would guess there's a substantial
[00:17:20] amount in the UK and North America or you know including you know Canada and America but effectively
[00:17:28] are you aware of activity in the UK that is progressing this
[00:17:36] when you say progressing in terms of fight against it if you like you know in the areas that
[00:17:44] you were mentioning yeah I mean certainly I think UK in many ways has taken a leadership role
[00:17:52] you know Canada's done something similar with project project in project shadow
[00:17:57] you know the UK banks are doing an enormous amount to identify all of these crimes the European
[00:18:06] bank is Alliance most recently the UK online safety bill you know apologies I may not have got
[00:18:14] the name right that is a major step forward I'll get that but it didn't go far enough if you
[00:18:20] might say but anyway there we are yeah it did not go far enough but I think the responses from
[00:18:28] you know other jurisdictions from mainland Europe has been well we'll do a risk assessment and
[00:18:34] then we'll determine no no no I think you've got to be far more explicit and regulate social media
[00:18:41] companies the internet service providers because it's a problem that can be tackled you certainly
[00:18:48] can't solve it 100% but there's something that can be done about it a lot can be done about it
[00:18:54] well I know that at least you know I mean if you like the the the targets of traffickers also include
[00:19:02] obviously I mean every year in Europe there's at least a quarter of a million children go missing
[00:19:11] and as far as I was aware and also with the Ukraine war that diaspora if you like I was almost
[00:19:18] like Christmas for the traffickers in terms of the youngsters that have now disappeared so it doesn't
[00:19:28] surprise me what you say but it's encouraging a little bit you know you say that there is an awareness
[00:19:33] there perhaps not enough resources yet are focused on it but certainly I'm good awareness
[00:19:39] yeah and I'd say you know my banking colleagues will you know beat me up and criticize
[00:19:47] as far as saying this but if this is a $150 billion problem globally probably more
[00:19:55] you know there are reports which say this is in the top five let's say the top 10 criminal
[00:20:01] activities now and you compare that to the number of suspicious activity reports being filed
[00:20:12] you know I can tell you in Canada and in the US it's minuscule compared to the size of the problem
[00:20:19] let's say the top five the top 10 then regulators need to do a little more unfortunately to say
[00:20:25] to the banks hey guys what's going on here the numbers don't add up I mean the big players obviously
[00:20:33] increasingly over the years now are organized crime I believe and also when talking to your
[00:20:41] colleagues in 80 II I mean there's so much activity goes on on the dark web and that essentially
[00:20:48] is a place of conflict too when they try and dive deep and actually identify problems to pass
[00:20:57] to law enforcement yeah certainly you know it's a dark web problem but it's say you know
[00:21:07] open problem there's lots of stuff in the dark web but if you look it's the human
[00:21:15] trafficking or the sex trafficking side of things so by sex trafficking we mean you know
[00:21:24] trafficking predominantly women we're talking 75 80% according to you you you end report and in
[00:21:30] some cases over 90% women and you know a large portion 25% plus are under 18 we know what about
[00:21:39] the traffickers to do business they need to do it in the public map they need to advertise right
[00:21:48] yeah and so you know it is it is out there in in the open not just in the dark web okay well look how
[00:21:59] about this how to promote greater awareness where would you say the kind of the the pressure points
[00:22:08] are that we should be focusing on not obviously financial institutions because that's your
[00:22:14] professional expertise but you know they're and elsewhere are there places that you think could
[00:22:21] be doing far more that's already within their capacity um and again I'll say this and uh I'm
[00:22:29] sorry if I'm getting in trouble oh I'm glad to go out because I don't mind getting into trouble
[00:22:35] I think the schooling system I think this has got to be made mandatory as a education program
[00:22:43] it's no longer a just a problem it is an epidemic six-tortion isn't it when something grows
[00:22:50] at thousand or seven thousand percent that's more than COVID so it is it is an epidemic why do we need to
[00:22:58] educate kids on these issues one you know from a six-tortion perspective they need to be aware
[00:23:08] you know what you're seeing online is not real with the generation of AI and genitor AI
[00:23:16] the individual will seem real we'll talk as if it's a real person but it's not so
[00:23:24] it's really important that kids understand risks a lot of them will not care but unfortunately
[00:23:30] we have to show them real life cases this is this is the outcome there's interesting there's a
[00:23:36] UK police report I believe from the UK police chiefs just in 2024 with said 52% of the alleged
[00:23:47] offenders in England and Wales are minus oh what sorry a minus this is child on child on child
[00:23:58] yeah and they said this is exacerbated by watching violent porn so you know the consequences of
[00:24:08] watching violent porn has a direct relationship to child sexual exploitation to trafficking
[00:24:18] to sex torsion so that's why I say the education system needs to be sort of enhanced
[00:24:28] you know the Canadian Center for Child Protection has material for schools to say hey
[00:24:34] we really do need to educate our kids but it needs to go more than that the you know cell phones
[00:24:41] are spreading globally smartphones right these are all smartphones that there are many pieces in
[00:24:47] fact there are more than many pieces they're like supercomputers in your hand now and you know you
[00:24:54] can have you know somebody in in the Philippines you know abusing kids and that being streamed to
[00:25:02] the UK or anywhere else in the world and that's why I think from an education perspective we've
[00:25:08] got to begin to sort of target the kids and change that mindset you know financial institutions
[00:25:14] definitely need to do more social media internet internet service providers need to do a lot
[00:25:24] lot more I don't think that they're you know clearly doing as much as they as they should but you
[00:25:30] know self-generated images are on the on the rise kids really don't see the problem or the
[00:25:39] consequences of self-generated images and it can come back to approach you for the rest of your
[00:25:46] life and you know result in black male and other things so I think that's interesting yeah
[00:25:53] and suicide so you know it's important that that education happens let me ask you two or three
[00:26:00] things because about 20 years ago or 25 year whatever I mean I did work some work with
[00:26:08] Interpol on sex tourism you know where people went to some of the more vulnerable countries maybe
[00:26:18] in the Pacific Rim or South America or wherever abused children but it that's developed into actually
[00:26:24] not just abusing children but of course you know filming it developing it selling it and so forth
[00:26:31] and as well as that I also did a program not long ago about the supply chains that most of our
[00:26:40] big companies use whether it's for clothing or for food or for whatever and somewhere down
[00:26:45] down the line in many of these supply chains there are children being tortured being exploited
[00:26:52] being killed and abused in order to satisfy mainly the West's desire for that particular food or
[00:27:03] these particular clothing or household items and that seems to me like to overlap if you like
[00:27:11] like you know like these overlapping circles that you get and effectively I think that makes it
[00:27:17] so much more difficult and also the sophistication that you touched on there the increasing sophistication
[00:27:25] of AI so I mean it's such a broad landscape isn't it it makes would probably make some people despair
[00:27:36] yeah and you know begs the question do we need to just take a more coordinated consolidated
[00:27:43] effort on social responsibility in the private sector because you're right right the the
[00:27:54] clothing manufacturers and a number of other high risk industries for labor trafficking which we
[00:28:00] really haven't touched on too much you know do have kids sometimes where we young kids locked up
[00:28:07] in factories producing garments you talked about sex tourism absolutely did a project on that we
[00:28:17] looked at payment patterns travel patterns what purchases they did in terms of security and encryption
[00:28:24] purchases which led to some very successful identification of individuals who start off by watching
[00:28:33] you know sort of streaming of child abuse and then travel to high risk countries such as the
[00:28:41] Philippines Vietnam and this spending patterns suggest that this is not your regular tourist
[00:28:50] if you you know if you're a business Google pig butchering so the big picture
[00:28:58] that one more say that one more time sure if you if you google it to them pig butchering
[00:29:05] yeah so what that is is you know individuals particularly in south is Asia are locked up in compounds
[00:29:16] you know in places like Myanmar and basically their prisoners and what they their job is to scam
[00:29:24] run scams centres yeah so now you've got you know victims human you know people who've been trafficked
[00:29:33] and their job is to scam and so you've you've got sort of a double crime happening right that they're
[00:29:38] scamming people they have no choice they're locked up their quotas and they're being trafficked
[00:29:45] and there's only so much that law enforcement can do unless they've got like a 10
[00:29:54] percent sort of you know a 10 time exponential increase in resources even but
[00:29:59] um well what about the AI side of it because I'm getting more and more informed about AI as
[00:30:08] everybody is in terms of what it what it can do the availability of it but also the absolute deep
[00:30:14] perils that can come that you've partly referred to earlier are there projects being set up
[00:30:21] specifically to look at the not just the dangers of AI but how to combat that yeah I mean I think
[00:30:28] that that's a great question AI comes with a lot of value and benefits and and you know I use it in
[00:30:35] my sort of daily job to sort of hands are monitoring capabilities um but uh you know there are
[00:30:45] dangers you know in this case the individuals you're talking to other person you're looking at
[00:30:54] is not real or they've talked about the image or the video um you know so you can get you know
[00:31:03] your your family member calling you want to make your call saying I desperately need money
[00:31:09] I'm in trouble and it's all fake it's all doctor yeah but also you know there are dangers with
[00:31:17] AI in terms of bias right so you can use AI AI only as good as the data it relies on and the
[00:31:28] people that develop it and so there are there are huge uh risks with that what we are seeing is
[00:31:36] governments begin just begin I'd say to think about it and legislate around that one in particular
[00:31:45] is you know sort of the use of AI to create these these fake images the use of AI to create
[00:31:55] uh with you know artificial childhood um which is not unreal child but it's AI generated so
[00:32:02] there are areas I think we are going to see a lot more from governments on the responsible use of AI
[00:32:09] there are standards being published um but I think we may need to pick up the speed on this because
[00:32:17] the forces left the bond and so we need to act with them. The the financial crisis that's
[00:32:27] kind of has been dribbling through specifically you know if you like the west for many years now
[00:32:34] have actually prevented certain things moving forward or being you know funded as much as they
[00:32:41] should have been I mean and I'd rather suspect that exploitation is one of them.
[00:32:48] Um if you imagine your audience right now um is full of people who obviously everybody uses
[00:32:58] a financial institution of some description or other whether there's banks and currencies
[00:33:02] whatever what should they be asking their financial institutions regarding this can are there
[00:33:10] questions that the listeners here could could actually come up with to to actually ask for explanations
[00:33:18] or talk about what the what their financial institutions are actually doing is is that helpful.
[00:33:25] I think yeah that's sort of an interesting sort of question um if you know
[00:33:32] clients would go to the bank and say tell me exactly what your policies and programs
[00:33:39] are around fighting let's call it human crime uh even trafficking,
[00:33:45] child sexual exploitation. What are you doing to identify, stop monitoring?
[00:33:52] I think the banks would pay attention to say this is become an important topic for my client base
[00:34:02] and so yes I encourage it go go to the banks ask them because the more people that
[00:34:10] ask the more important it becomes and the more resources are devoted to it but I think at the same
[00:34:17] time you know uh and I've been sort of in the sort of financial crime industry for almost 25 years now
[00:34:25] um and we have spent an enormous amount on on fighting financial crime that's no excuse for the
[00:34:34] for the bad banks you know who have been censured and and you know find um absolutely
[00:34:42] but I think at the same time you know if you go to invest billions as you know if you look at the
[00:34:49] financial services industry you're talking billions and billions of dollars I think we've
[00:34:56] got to do more to fund the government agencies in in the UK the NCA. We've got to fund the
[00:35:03] prosecutors offices right we've got to look at the sentencing guidelines we've got to look at the
[00:35:08] burden of proof because what I see having right now are all these suspicious activity reports
[00:35:16] going into this massive black hole not full top of these agencies but there's only so much you can do
[00:35:25] yes yeah I think I think it's um the nature of finance these days to my amateur if you like
[00:35:32] understanding essentially is it so much of it is remote um and I mean I remember
[00:35:39] we're talking to the law enforcement in Sri Lanka for example um when they were asking you
[00:35:48] know like what could they do to improve their um work against um the sex trafficking thing and I
[00:35:56] suggestive a couple of things and a few weeks later they put something up it was old school okay
[00:36:03] but it had a great impact I think and it was like they put this enormous great billboard up
[00:36:08] at Colombo Airport that said welcome to Sri Lanka if you abuse our children in any way we guarantee
[00:36:18] you at least 20 years in horror class accommodation yeah and that's great you know I think every country
[00:36:27] should take that example you know we are seeing airports uh you know restaurants hotels
[00:36:35] and even restaurants um these signs going up um you know with 1-800 and this
[00:36:43] certainly more of that you know and a lot of these agencies that I work with are struggling
[00:36:54] financially yeah right they're struggling financially they they're surviving day to day and
[00:37:00] it's to say they're in the business of identifying then the business of prevention protection
[00:37:08] why are they they struggling well there is of course the absolute peculiarity of human nature as
[00:37:17] well I mean for example I do believe that in this country charities to do with child exploitation
[00:37:28] many of them actually collect less funding than donkey sanctuaries
[00:37:38] so it's just a question of how the population views things sometimes or maybe just doesn't even want
[00:37:45] to think about stuff that is just so beyond their horrific understanding I think it's a question
[00:37:54] of it's market well let's be honest I think it's to do marketing as well um as actually awareness
[00:38:01] raising what do you think of that particular point of view yeah so you know um one I think we do need
[00:38:09] to educate the public um you know as to how do we get those ads out there who pays for those ads
[00:38:19] um and we're not talking one problem here you're talking a multitude of all problems right
[00:38:26] whether that be sex, social, and child sexual exploitation trafficking uh so I think
[00:38:32] there needs to be greater awareness because unless it becomes a political issue and a voting issue
[00:38:39] unfortunately nothing happens no matter which country I totally understand what you're saying
[00:38:44] I mean look at that list which of course you could add to as well you know with all the kind of
[00:38:48] labes slavery and labor slavery and all that other other issues do you think it's just too much for
[00:38:53] some people that maybe what we need to do is high off each one as a particular target so that people
[00:39:00] can actually absorb and understand or because it all seems to get lumped together sometimes
[00:39:06] doesn't it yeah and that's why I say this isn't sort of I mean certainly there's the big message around
[00:39:12] how big the problem is but then I think you've got to begin to say uh you know talk about each of the
[00:39:20] the areas you know like the the child sexual abuse the the center the Canadian center which monitors
[00:39:30] globally by the way um it's sort of wireless based in Canada that the technology monitors globally
[00:39:38] they have a massive backlog of images to go through because they don't have the resources to do that
[00:39:51] you know and if you look at any stat it's not only horrific in terms of what's happening but the growth
[00:40:02] um you know as it's exponential we would not tolerate this type of growth in any other area
[00:40:10] um so I don't think we've lived on enough to educate the public. I take that point very strongly
[00:40:17] um Luke Karim I could carry on talking to you for ages but we've got to come to the end of this
[00:40:22] and I'm just going to give you a minute if you would just for a sort of one last minute
[00:40:26] here you have the microphone to talk to your profession if you like although it's pretty broad
[00:40:34] the financial industries but what would you say to them now um you know let's imagine they're all
[00:40:41] listening that'd be nice but let's imagine they're all listening well what kind of message would
[00:40:45] you like to put out. Take the step do something um I'm not saying that this is easy but there are
[00:40:54] us you know it can be done there are some really easy steps uh I'm available and and you know
[00:41:01] I don't charge for providing these these services if they're around human trafficking in
[00:41:06] child sexual exploitation. Something can be done do something and that it you know for schools
[00:41:13] the teachers the parents educate yourself um because with that knowledge you you you really could
[00:41:22] not prevent and you can act so please educate yourself and I'd say you know to the social media
[00:41:29] companies, to the ISPNs please do more you've got the funding you've got the technology you've
[00:41:36] got the capabilities please do more. You've just got to have the input or so okay well look
[00:41:41] Karim it's been an absolute pleasure talking to you and and very very informative
[00:41:47] so to you and colleagues and everything I wish you all the very best and and strength to your work
[00:41:53] so thank you very much for being my guest today. Thank you for inviting me


