Page 239 - Cyber Defense eMagazine RSAC Special Edition 2025

Ongoing Money Laundering Insights

By Milica D. Djekic, Independent Researcher, Subotica, Serbia

Abstract

Money laundering is a major financial crime that involves introducing illicitly obtained funds into legitimate
financial systems to disguise their criminal origins. Beyond concealing criminal activity, laundered funds
are frequently redirected to exert economic influence, finance organized crime, or destabilize regional
and international systems. This paper examines the mechanisms through which illicit capital infiltrates
legitimate businesses—particularly vulnerable small and medium-sized enterprises (SMEs)—and how
such financial interference can precipitate economic crises. Once these businesses become dependent
on illicit financing, any disruption in funding can lead to mass bankruptcies, widespread unemployment,
and systemic socioeconomic decline. This analysis explores how money laundering not only supports
criminal enterprises but also acts as a catalyst for broader social and psychological destabilization.
Strategic recommendations are provided to mitigate the threat of financial criminality on national and
global levels.

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