As the number of phishing crimes caused by face-to-face defrauding is rapidly increasing, the role of banks is great in preventing citizens from being victimized by phishing. Banks has been operating Fraud Detection Systems (FDS) to prevent financial crimes, and has been making efforts to reduce financial crime damage of customers. However, there are limits to preventing financial crimes. For example, it can be a burden for banks to pay for their own huge R&D budgets and system operation costs. The purpose of this study is to look into the overall procedures of Fraud Detection Systems used by banks, and to prepare measures to effectively prevent phishing by overcoming the limitations of the system. In order to minimize the damage to citizens caused by financial crimes or phishing, we strengthen the ability of banks and suggest effective crime response and technology application plans.