Regulatory framework and applicable boundaries
Hong Kong Xintong targets B2B institutional customers，Adopt the three-layer mapping method of "Legal Obligations-Business Scenarios-Control Measures"，Helping enterprises create a sustainable balance between business growth and data compliance。Targeting the common multi-jurisdictional operations of financial institutions，We focus on covering：
- Mainland China Personal Information Protection Law (PIPL) and supporting rules；
- Hong Kong’s Personal Data (Privacy) Ordinance (PDPO) and Regulatory Guidelines；
- Contract terms involved in cross-border business、Data minimization and interpretability requirements。
If you are involved in both payment and transaction business，Linkable referencePayment Gateway (PSP) ComplianceandVASP/FinTech Compliancecontrol framework，Avoid duplication of construction。
Unify the mainland、Hong Kong and international customer requirements，Reduce institutional conflict。
Around account opening、KYC、Transaction monitoring、Establish control points for high-risk scenarios such as customer service backtracking。
Output available for internal review、Evidence chain template for external audit and cooperative bank review。
Personal information full life cycle management
we willdata governanceDivided into "collection、use、storage、shared、Cross-border、Six stages of deletion，And configure "legal basis + technical control + process approval" at each stage。
Key deliverables include：
- Data classification and classification and sensitive information identification list；
- Record of Processing Activity (ROPA) and System Permissions Matrix；
- Supplier/Outsourcer Data Processing Agreement (DPA) and Due Diligence Template；
- Data Subject Request (Access、correct、Delete) SLA process；
- Data leakage graded response and regulatory reporting triggering standards。
If you need to combine transaction monitoring and customer relationship management systems，Can be dockedHong Kong Xintong AML/CRM Compliance SystemandeDon TM Transaction Monitoring SystemIntegrated configuration of permissions and logs。
Implementation of technology and internal control in financial institution scenarios
Dynamically crop fields based on business purpose，Reduce unnecessary identity and transaction additional information。
Highly sensitive query、Batch export、Approval thresholds and expiry recycling are set for cross-department sharing.。
pair view、download、Revise、Keep auditable logs of key actions such as transmission。
through standard terms、Receiver Assessment and Transmission Ledger，Ensure compliance in cross-border scenarios。
For licensed or proposed licensed institutions，We recommend incorporating personal information governance into the overall licensing compliance structure，with AML、KYC、ITGC、Outsourcing management is promoted at the same frequency。Please refer to related supporting packages：
Implementation process and delivery milestones
Interview with business/legal/technical team，Output gap assessment and risk heat map。
form data map、Process activity list、Permissions and transfer paths。
Landing Privacy Policy、internal system、SOP、DPA and cross-border provisions。
Optimize collection fields、desensitization strategy、Log traces、Alarm and approval flow。
Conduct data incident drills and management reports，Form an audit evidence package。
个人信息保护预算构成与常见问题
个人信息保护没有一套适用于所有企业的统一预算。费用应根据数据类型和规模、处理活动、Number of systems、Cross-border scenario、供应商范围、现有控制措施及整改深度分别核算。
| Cost module | Accounting basis | Common deliveries | Quotation method |
|---|---|---|---|
| Data inventory and gap assessment | business process、system、数据类别和参与部门 | 数据清单、处理活动记录、风险与整改清单 | 按范围和复杂度核算 |
| 制度与告知文本 | 主体角色、Purpose of processing、数据来源和共享场景 | 隐私规则、告知同意、内部制度和操作流程 | 按文件与场景核算 |
| 技术与权限整改 | Number of systems、Permissions、log、加密和删除机制 | 控制方案、配置建议和验证记录 | 按系统及整改工作量核算 |
| 跨境与供应商治理 | Receiver、destination、合同和数据流 | 评估材料、合同条款和供应商检查清单 | 按接收方和数据流核算 |
| 培训与事件响应 | Staff size、岗位类型和演练范围 | training、响应流程、通知和演练记录 | 按场次或项目阶段核算 |
个人信息保护的全生命周期
个人信息保护需要覆盖收集、use、shared、storage、access、删除和事件响应全过程。只在页面放一段隐私声明，不能证明后台系统已经按要求保护数据。
- Build data assets、处理活动、Permissions、Supplier and cross-border transfer lists。
- Enforce least privilege、encryption、backup、log、Desensitization、Delete and access review。
- Set up data subject requests、Leak judgment、notify、Forensic and recovery processes。
- Use training、Security testing、Continuous verification of supplier audits and incident drills。
Official verification："Personal Information Protection Law of the People's Republic of China"。Specific obligations must be combined with the subject、business、Customer location and latest regulatory confirmation。
Won't。Rank by field、Automated approval and templated notifications，Often reduces duplication of collections while meeting compliance requirements，Improve frontline processing efficiency。
A common risk is that the basis for data export is unclear、Insufficient obligations of the recipient、Missing trace evidence。It is recommended to establish a transfer ledger and review it regularly。
need。AML emphasizes identification and monitoring，Personal information protection emphasizes legality、Necessity and rights protection，The two need to be integrated but cannot replace each other。
It is recommended to establish quarterly self-examinations、annual audit、Three mechanisms for triggering evaluation of major changes，And designate the person responsible for data protection to continuously update the system.。
