ABSTRACT: This study examines the effect of knowledge, management support, and regulation on money laundering risk judgment by bank officers in Pekanbaru, Indonesia. Money laundering poses a serious threat to the banking sector and requires accurate professional judgment from officers responsible for anti-money laundering (AML) implementation. A quantitative method was used, which entailed the distribution of questionnaires to 120 bank branches, with a total target of 240 respondents. Of the questionnaires distributed, 92 were returned, and 81 of these were deemed valid for analysis. The collected data were then subjected to rigorous analysis using Structural Equation Modeling (SEM) with SmartPLS 4.0, a software designed to facilitate the analysis of complex data structures. The results show that knowledge has a positive and significant effect on money laundering risk judgment, indicating that officers with stronger AML knowledge are better at assessing money laundering risks. Management support also has a positive and significant effect, emphasizing the importance of leadership commitment and organizational support. In contrast, regulation has a negative and significant effect, suggesting that overly rigid regulations may limit officers’ analytical flexibility. These findings highlight the importance of strengthening knowledge and management support while implementing regulations in a balanced manner.

KEYWORDS– Knowledge, Management Support, Regulation, Money Laundering Risk Judgment, Banking