Transcript of Operational issues under BFIU Circular-26: special focus ...
Muhammad Rejaul Islam, CAMS
Senior Principal Officer, MLTFPD
Islami Bank Bangladesh Limited.
weGdAvBBD mvK©yjvi bs-26
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weGdAvBBD mvK©zjvi b¤i 26 ZvwiL 16 Ryb, 2020 G AvbxZ †gŠwjK
cwieZ©bmg~n
welq cwieZ©b/ cwigvR©b/cwiea©b aib
cwicvjb KvVv‡gv
. gvwbjÛvwis Ges mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a e¨e ’vcbv KZ©…c‡¶i
A½xKvi †NvlYv :
e¨vs‡Ki cÖavb wbe©vnx evrmwiK wfwˇZ e¨vs‡Ki mKj Kg©KZ©v/Kg©Pvix‡`i
D‡Ï‡k¨ gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a my úó I Kvh©Ki
A½xKvi †NvlYv Ki‡e; A½xKvi ev¯—evq‡b h_vh_ wb‡`©kbv cÖ vb Ki‡e Ges
cwicvjbxq welqvw`i mvwe©K ev¯—evqb wbwðZ Ki‡e|
AvswkK cwieZ©b
1.3 cwicvjb Kg©KZ©v wb‡qvM I Ab¨vb¨: DCAMLCO c‡` ÔDcgnve¨e¯’vcKÕ ev
Ôwmwbqi fvBm †cÖwm‡W›UÕ Gi bx‡P †Kvb Kg©KZ©v‡K c`vqb Kiv hv‡e
bv|
AvswkK cwieZ©b
‡K›`ªxq cwicvjb KwgwU ‰ÎgvwmK wfwˇZ eQ‡i Aš—Z 4(Pvi)wU mfv Ki‡e|
Z‡e cÖ‡qvR‡b KwgwU †h †Kvb mgq †h †Kvb msL¨K mfv Avnevb Ki‡Z
cvi‡e|
AvswkK cwieZ©b
weGdAvBBD mvK©zjvi b¤i 26 ZvwiL 16 Ryb, 2020 G AvbxZ †gŠwjK
cwieZ©bmg~n
welq cwieZ©b/ cwigvR©b/cwiea©b aib
cwicvjb KvVv‡gv
. gvwbjÛvwis Ges mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a e¨e ’vcbv KZ©…c‡¶i
A½xKvi †NvlYv :
e¨vs‡Ki cÖavb wbe©vnx evrmwiK wfwˇZ e¨vs‡Ki mKj Kg©KZ©v/Kg©Pvix‡`i
D‡Ï‡k¨ gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a my úó I Kvh©Ki
A½xKvi †NvlYv Ki‡e; A½xKvi ev¯—evq‡b h_vh_ wb‡`©kbv cÖ vb Ki‡e Ges
cwicvjbxq welqvw`i mvwe©K ev¯—evqb wbwðZ Ki‡e|
AvswkK cwieZ©b
1.3 cwicvjb Kg©KZ©v wb‡qvM I Ab¨vb¨: DCAMLCO c‡` ÔDcgnve¨e¯’vcKÕ ev
Ôwmwbqi fvBm †cÖwm‡W›UÕ Gi bx‡P †Kvb Kg©KZ©v‡K c`vqb Kiv hv‡e
bv|
AvswkK cwieZ©b
‡K›`ªxq cwicvjb KwgwU ‰ÎgvwmK wfwˇZ eQ‡i Aš—Z 4(Pvi)wU mfv Ki‡e|
Z‡e cÖ‡qvR‡b KwgwU †h †Kvb mgq †h †Kvb msL¨K mfv Avnevb Ki‡Z
cvi‡e|
AvswkK cwieZ©b
SzuwK wfwËK e¨e¯’v (Risk Based Approach) :
(L) SzuwK wbiƒcY cÖwZ‡e`b Abymv‡i †h †¶‡Î gvwbjÛvwis, mš¿vm ev
mš¿vmx Kv‡h© A_©vq‡bi D”P SzuwK wPwýZ n‡e, †m †¶‡Î e¨vsK‡K AwaKZi
mZK©Zvg~jK e¨e ’v (Enhanced Due Diligence) MÖnY Ki‡Z n‡e|
ms‡hvRb
M) SzuwK wbiƒcY cÖwZ‡e`b Abymv‡i †h †¶‡Î gvwbjÛvwis, mš¿vm ev
mš¿vmx Kv‡h© A_©vq‡bi wb¤œ SzuwK wPwýZ n‡e ev wb¤œ SzuwKi wb‡`©k‡Ki
mv‡_ mvgÄm¨c~Y© n‡e, †m ‡¶‡Î e¨vsK mnRZi mZK©Zvg~jK e¨e ’v
(Simplified Due Diligence) MÖnY Ki‡Z cvi‡e|
ms‡hvRb
(N) we`¨gvb MÖvn‡Ki SzuwK, ¸i“Z¡ I cÖvmw½KZv we‡ePbvq cÖwZwU e¨vsK
cÖ‡qvRbxq mZK©Zvg~jK e¨e ’v (Due Diligence) MÖnY Ki‡e| GQvov c~‡e©
KLb mZK©Zvg~jK e¨e¯’v MÖnY Kiv n‡qwQj Ges Kx ai‡Yi ev Kx cwigvY Z_¨
msMÖn Kiv n‡qwQj Zv we‡ePbvq we`¨gvb MÖvn‡Ki wel‡q mZK©Zvg~jK e¨e
’v MÖnY ev cybg©~j¨vqb Kivi mgq wbav©iY Ki‡e|
ms‡hvRb
3.3. MÖvnK cwiwPwZ (Know Your Customer-KYC) :
(1) MÖvn‡Ki wnmve †Lvjvi †¶‡Î evsjv‡`k e¨vs‡Ki e¨vswKs cÖwewa I
bxwZ wefvM KZ©„K RvixK…Z wnmve †Lvjvi dig e¨envi Ki‡Z n‡e| Z‡e
AvaywbK cÖhyw³i e¨envi myweavRbK we‡ePbvq, cÖ‡hvR¨ ‡¶‡Î, weGdAvBBD
KZ©„K RvixK…Z Guidelines on Electronic Know Your Customer (e-KYC) G
ewY©Z AvaywbK cÖhyw³i e¨envi ev mnvqZv MÖnY Ki‡Z n‡e| †h †¶‡Î
B‡jKUªwbK gva¨g e¨envi K‡i wnmve †Lvjv m¤¢e n‡e bv †m ‡¶‡Î nvW© Kwc
wnmve †Lvjvi dig e¨envi Kiv hv‡e|
ms‡hvRb
e¨w³ ev cÖvwZôvwbK wnmveavix MÖvn‡Ki ‡¶‡Î weGdAvBBD KZ©„K RvixK…Z
Awfbœ wnmve †Lvjvi dig (Uniform Account Opening Form) wb‡`©wkZ
cwiwPwZg~jK Z_¨ ev DcvË msMÖn I Dnvi mwVKZv hvPvB Ki‡Z n‡e|
we‡qvRb
MÖvnK m¤úwK©Z mZK©Zvg~jK e¨e¯’v (Customer Due Diligence-CDD)
:
(1) MÖvnK mswkøó SzuwK we‡ePbvq wb¤œewY©Z wewfbœ ch©v‡q CDD m¤úv`b
Ki‡Z n‡e-
(M) Iq¨vi UªvÝdv‡ii gva¨‡g AwbqwgZ (Occassional) ‡jb‡`b
m¤úv`‡bi mgq;
(O) wnmv‡ei cÖK„Z myweav‡fvMx wba©viY I Z`‡cÖw¶‡Z M„nxZ c`‡¶cmg~n
MÖn‡Yi ‡¶‡Î weGdAvBBD KZ©„K RvixK…Z Guidelines on Beneficial
Ownership G ewY©Z welqvejx AbymiY Kiv hv‡e|
3.5. MÖvnK m¤úwK©Z mnRZi mZK©Zvg~jK e¨e¯’v (Simplified Customer Due
Diligence):
Guidelines on e-KYC G ewY©Z MÖvnK m¤úwK©Z mnRZi mZK©Zvg~jK e¨e¯’v‡¶
G‡¶‡Î AbymiY Kiv hv‡e|
ms‡hvRb
3.6 CDD msµvš— Ab¨vb¨ wb‡`©kbv:
1) cÖwZwU e¨vsK MÖvn‡Ki wnmve †Lvjvi †ÿ‡Î MÖvnK cwiwPwZ Ges CDD
h_vh_fv‡e m¤úv`bc~e©K Z_¨ I `wjjvw` msiÿY Ki‡e| G‡ÿ‡Î Guidelines on
e-KYC G ewY©Z wWwRUvj bgybv KYC dig ev †h †ÿ‡Î wWwRUvj KYC dig
e¨envi Kiv hv‡e bv †m †¶‡Î cwiwkó -ÒKÓ G mshy³ bgybv KYC dig e¨envi
Ki‡Z n‡e;
(2) e¨vsK KZ©„K MÖvn‡Ki KYC m¤úv`‡bi wbwg‡Ë cwiwkó-ÒKÓ G mshy³
bgybv KYC dig/digmg~n e¨enviKv‡j †Kvbµ‡gB Zv wnmve †Lvjvi di‡gi Ask
wn‡m‡e we‡ePbv Kiv ev MÖvnK KZK c~iYxq n‡e bv;
(3) gvwbjÛvwis ev mš¿vmx Kv‡h© A_©vq‡bi SzuwK e¨e¯’vcbvq e¨vsK
wb‡RB Mªvn‡Ki wnmv‡ei †jb‡`‡bi AbywgZ gvÎv (Transaction Profile)
‰Zix Ki‡e| G‡¶‡Î e¨vsK MÖvn‡Ki AZxZ †jb‡`‡bi ( 6/12 gv‡mi †jb‡`b)
Dci wfwË K‡i GKwU wbw`©ó ‡jb‡`‡bi aiY wbiƒcY Ki‡e Ges wbiƒwcZ ai‡Yi
wfwˇZ MÖvn‡Ki †jb‡`b cix¶Y Ki‡e| e¨vsK KZ©„K wba©vwiZ ‡jb‡`‡bi
ai‡Y D‡jL‡hvM¨ nv‡i cwieZ©b ‡`Lv †M‡j Zv AbymÜvb Ki‡e| cÖ‡hvR¨
†ÿ‡Î, ‡jb‡`‡bi AbywgZ gvÎv ms‡kvab Ki‡e A_ev m‡›`n n‡j m‡›`nRbK
†jb‡`b/Kvh©µg cÖwZ‡e`b `vwLj Ki‡e| G‡¶‡Î MÖvnK hv‡Z nqivwbi wkKvi
bv nq †m wel‡q e¨vsK ‡K mZK©Zv Aej¤b Ki‡Z n‡e ;
cÖwZ¯’vcb
(4) MÖvnK cwiwPwZ cÖwµqvq MÖvnK m¤úwK©Z cÖvß Z_¨mg~n nvjbvMv`KiY
GKwU Pjgvb cÖwµqv| G†¶‡Î, ‡KIqvBwm di‡g DwjwLZ SuywK wefvRb
gvb`‡Ûi Av‡jv‡K wbiƒwcZ wb¤œ SuywK m¤úbœ MÖvn‡Ki †ÿ‡Î 05 (cvuP) eQi
Ges D”P SuywK m¤úbœ MÖvn‡Ki ‡¶‡Î 01 (GK) eQi ci ci nvjbvMv`KiY
cÖwµqv m¤úbœ Ki‡Z n‡e| MÖvn‡Ki cwiwPwZg~jK Z‡_¨i †h ‡Kv‡bv cwieZ©b
AeMZ nIqvi mv‡_ mv‡_B Zv nvjbvMv` Ki‡Z n‡e| GQvov wbw`©ó ‡Kv‡bv
cÖ‡qvRb Abyf~Z n‡j †h ‡Kv‡bv mg‡qB MÖvn‡Ki cwiwPwZg~jK Z_¨ nvjbvMv`
Kiv hv‡e| nvjbvMv`K…Z Z‡_¨i wfwˇZ cybivq Awej‡¤ Gme wnmv‡ei SuywK
wbiƒcY Ki‡Z n‡e| GQvovI †Kvb wnmve wb¤œ SuywK n‡Z D”P SuywK‡Z
¯’vbvš—wiZ n‡j Zv wbiƒc‡Yi c×wZI Pvjy _vK‡Z n‡e;
ms‡hvRb
GwcÖj 30, 2002 Zvwi‡Li c~‡e© †Lvjv †h mKj wnmv‡ei †KIqvBwm m¤úbœ
Kiv m¤¢e nqwb †m mKj wnmve ÔmyßÕ (Wig¨v›U) wn‡m‡e wPwýZ n‡e| myß
wn‡m‡e wPwýZ G mKj wnmve ïvaygvÎ A_© Rgv Kiv hv‡e wKš‘ D‡Ëvjb Kiv
hv‡e bv| Z‡e MÖvnK KZ©„K kvLv e¨e¯’vc‡Ki wbKU wjwLZ Av‡e`‡bi
†cÖwÿ‡Z e¨vsK KZ©„K D³ MÖvn‡Ki †KIqvBwm cÖwµqv m¤úbœ mv‡c‡ÿ MÖvnK
wnmvewU‡Z ¯vfvweK †jb‡`b m¤úv`b Ki‡Z cvi‡eb| gvwbjÛvwis I mš¿v‡m
A_©vqb cÖwZ‡iva wefvM/ wWwfkb Giƒc myß wnmv‡ei Z_¨ msi¶Y
Ki‡e|
we‡qvRb
(5) e¨vsK KZ©„K ‡Kv‡bv MÖvnK‡K AMÖvwaKvi myweav m¤wjZ (Previlege)
e¨vswKs †mev cÖ vb Kivi †ÿ‡Î CDD msµvšÍ Ab¨vb¨ wb‡`©kbv Abymi‡Yi
cvkvcvwk MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK e¨e¯’v MªnY Ki‡Z
n‡e;
(6) ‡h me †`k gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡ai
AvšÍR©vwZK gvb c~iY K‡iwb ev Zvrch©c~Y© NvUwZ i‡q‡Q (‡hgb:
dvBb¨vwÝqvj G¨vKkb Uv¯‹‡dv‡m©i Jurisdictions under Increased
Monitoring Ges High-Risk Jurisdictions subject to a Call for Action
wn‡m‡e ZvwjKvfy³ †`k) †m me †`‡ki ‡Kv‡bv e¨w³ ev mËvi (AvBbMZ
cÖwZwbwa, Avw_©K cÖwZôvbmn †h ‡Kv‡bv cÖwZôvb) mv‡_ e¨emvwqK m¤úK©
¯’vcb I eRvq ivLv Ges †jb‡`b m¤úv`‡bi ‡ÿ‡Î AwaKZi mZK©Zvg~jK e¨e¯’v
MªnY Ki‡Z n‡e Ges cÖ‡hvR¨ †ÿ‡Î FATF hvwPZ Counter Measures MÖnY
Ki‡e;
ms‡hvRb
(7) we‡`kx e¨vs‡Ki mv‡_ m¤úK© ¯’vc‡bi c~‡e© mswkøó †`‡ki gvwbjÛvwis
I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva e¨e¯’v we‡ePbvq wb‡Z n‡e;
ms‡hvRb
3.12. PEPs msµvš— Ab¨vb¨ wb‡`©kbv
Aby‡”Q` 3.9, 3.10 I 3.11 Gi wewaweavb cwicvj‡bi †ÿ‡Î weGdAvBBD
KZ©„K RvixK…Z Guidance Notes on Politically Exposed Persons (PEPs)
for all Reporting Organizations G ewY©Z wb‡`©kbv AbymiY Ki‡Z
n‡e|
ms‡hvRb
3.13. K‡imc‡Û›U e¨vswKs (Correspondent Banking) m¤úK© ¯’vc‡bi ‡¶‡Î
KiYxq :
‡h me †`k gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a Avš—R©vwZK gvb
c~iY K‡iwb ev Zvrch©c~Y© NvUwZ i‡q‡Q (‡hgb: dvBb¨vwÝqvj G¨vKkb
Uv¯‹‡dv‡m©i Jurisdictions under Increased Monitoring Ges High-Risk
Jurisdictions subject to a Call for Action wn‡m‡e ZvwjKvfy³ †`k) †m
me †`‡ki e¨vs‡Ki mv‡_ K‡imc‡Û›U e¨vswKs m¤úK© ¯’vcb ev eRvq ivLvi
wel‡q AwaKZi mZK©Zvg~jK e¨e¯’v MªnY Ki‡Z n‡e| cÖ‡hvR¨ ‡¶‡Î FATF
Av‡ivwcZ Counter Measures ev¯—evq‡b Dchy³ I Kvh©Ki e¨e¯’v MÖnY Ki‡Z
n‡e| Gme e¨vs‡Ki cÖK…Z myweav‡fvMx Ges gvwbjÛvwis I mš¿vmx Kv‡h©
A_©vqb cÖwZ‡iv‡a Zv‡`i bxwZ I c×wZ m¤ú‡K© we¯—vwiZ Z_¨ msMÖn Ki‡Z
n‡e;
ms‡hvRb
3.14. G‡R›U e¨vswKs msµvš— wb‡`©kbv :
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb msµvšÍ cÖ‡hvR¨ mKj wb‡`©kbv
cwicvj‡bi `vqfvi G‡R‡›Ui cvkvcvwk m¤ú~Y©iƒ‡c mswkó e¨vs‡Ki Dci
eZ©v‡e;
ms‡hvRb
G‡R›U e¨vswKs Gi †¶‡Î weGdAvBBD KZ©„K RvixK…Z Guidelines on e- KYC
Gi cÖ‡hvR¨ wb‡`©kbv AbymiY Kiv hv‡e|
3.15. mkix‡i Abycw¯’Z Mªvn‡Ki ( Non face to face customer) †¶‡Î
KiYxq :
e¨vsK Zv‡`i mkix‡i Abycw¯’Z MÖvn‡Ki wnmve †Lvjv ev †mev cÖ v‡bi
†ÿ‡Î gvwbjÛvwis I mš¿vmx Kv‡h© A_©vq‡bi SzuwK wbiƒcY Ges SzuwK
wbim‡bi bxwZ I c×wZ cÖYqb Ki‡e Ges mgq mgq Zv ch©v‡jvPbv Ki‡e| G
‡¶‡Î weGdAvBBD KZ©„K RvixK…Z Guidelines on e-KYC Gi wb‡`©kbv AbymiY
Kiv hv‡e| D‡jøL¨, mkix‡i Abycw ’Z MÖvnK ej‡Z H mKj MÖvnK‡K eySv‡e
hviv e¨vsK kvLvq mkix‡i Dcw¯’Z bv n‡q B›Uvi‡b‡Ui gva¨‡g, e¨vs‡Ki
G‡R‡›Ui gva¨‡g ev wb‡Ri ‡ckv`vi cÖwZwbwai (AvBbRxex, GKvD›U¨v›U
BZ¨vw`) gva¨‡g wnmve Ly‡j _v‡K Ges/A_ev †jb‡`b cwiPvjbv K‡i
_v‡K|
ms‡hvRb
4. we‡`‡k Aew¯’Z e¨vsK kvLv I mvewmwWqvix cÖwZôv‡bi †¶‡Î KiYxq
:
we‡`‡k Aew¯’Z kvLv ev mvewmwWqvix cÖwZôvb hw` ‡Kv‡bv Kvi‡Y 4(1) G
ewY©Z wb‡`©kbv h_vh_fv‡e cwicvj‡b Amg_© nq Z‡e D³ cÖwZôvb
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb SzuwK e¨e ’vcbvi Rb¨ cÖ‡hvR¨ e¨e
’v MÖnY Ki‡e Ges AcviMZvi KviY Awej‡¤ weGdAvBBD‡K AewnZ Ki‡e;
ms‡hvRb
8. ‡mj&d G¨v‡mm‡g›U I BwÛ‡c‡Û›U †Uw÷s :
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a GKwU Kvh©Kwi e¨e¯’v
cÖwZôvi j†¶ e¨vs‡Ki Af¨š—ixb bxwi¶v wefv‡Mi gva¨‡g kvLvmg~n n‡Z
cÖvß ‡mj&d G¨v‡mm‡g›U msµvš— cÖwZ‡e`b we‡klY Ges BwÛ‡c‡Û›U
†Uw÷s h_vh_fv‡e m¤úbœ Kivi Rb¨ D³ wefv‡M GZ`msµvš— AwfÁ Kg©KZ©v
envj Ki‡Z n‡e|
cÖwZ¯’vcb
8.1. kvLvmg~‡ni KiYxq:
(2) Av‡jvP¨ g~j¨vqb cÖwZ‡e`b Pzivš— Kivi c~‡e© kvLv e¨e¯’vc‡Ki
mfvcwZ‡Z¡ kvLvi mswkøó Kg©KZ©v‡`i wb‡q mfv Av‡qvRb Ki‡e| mfvq kvLv
g~j¨vqb cÖwZ‡e`‡bi Lmovi Dci Av‡jvPbv Ges Z`‡cÖw¶‡Z wPwýZ mgm¨v
kvLv ch©v‡q mgvavb Kiv m¤¢eci bv n‡j Zv cÖwZ‡e`‡b D‡jøLc~e©K mgm¨v
mgvavbK‡í cÖavb Kvh©vj‡qi Af¨š—ixb bxwi¶v wefvM I gvwbjÛvwis I
mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wefv‡M †cÖiY Ki‡e Ges D &NvwUZ
mgm¨vmg~n mgvav‡b cÖavb Kvh©vj‡q †cÖwiZ mycvwikgvjvi AMÖMwZ cieZ©x
‰ÎgvwmK mfv‡Z Av‡jvPbv Ki‡e|
cÖwZ¯’vcb
8.2. Af¨š—ixb bxwi¶v wefv‡Mi KiYxq :
‡R›U e¨vswKs Kvh©µ‡g wb‡qvwRZ e¨vsKmg~‡ni †¶‡Î Af¨š—ixb wbix¶v
wefvM Zv‡`i G‡R›U‡`i gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva
Kvh©µg mswkó welqvw`i cwicvjb Ae¯’v hvPvB‡qi wbwgË evwl©K wfwˇZ
b~ bZg 5% (cvuP kZvsk) G‡R‡›Ui Dci cwi`k©b/wbix¶v Kvh©µg cwiPvjbv
Ki‡e Ges G msµvš— cÖwZ‡e`‡bi Kwc gvwbjÛvwis I mš¿v‡m A_©vqb
cÖwZ‡iva wefv‡M †cÖiY Ki‡e|
cÖwZ¯’vcb
AvšÍt‡`kxq Iq¨vi UªvÝdvi:
(K) mvaviY ev we‡kl AbygwZi AvIZvq Ab~ b 1,000(GK nvRvi) ev Z`~aŸ©
cwigvY gvwK©b Wjvi ev mgg~‡j¨i Acivci ‰e‡`wkK gy ªvq Avš—‡`kxq
Iq¨vi UªvÝdv‡ii ‡¶‡Î Av‡e`bKvixi mwVK Z_¨ msMÖn, msiÿY Ges D³ Z_¨
B›UviwgwWqvwi/‡ewbwdwkqvwi e¨vs‡K †cÖiY Ki‡e| D³ Z‡_¨i g‡a¨
Av‡e`bKvixi wnmve b¤i ev wnmve b¤i bv _vK‡j ‡jb‡`‡bi mywbw`©ó myÎ
b¤i (Unique Transaction Reference Number) Aš—f©z³ _vK‡e; hv‡Z
cieZx©‡Z †jb‡`bwU mn‡R Lyu‡R cvIqv hvq| GQvovI ‡ewbwdwkqvwi m¤úwK©Z
Z‡_¨i g‡a¨ ‡ewbwdwkqvwii wnmve b¤i ev wnmve b¤i bv _vK‡j ‡jb‡`‡bi
mywbw`©ó myÎ b¤i (Unique Transaction Reference Number) Aš—f©z³
_vK‡e; hv‡Z cieZx©‡Z †jb‡`bwU mn‡R Lyu‡R cvIqv hvq|
bZzb ms‡hvRb
L) (1)(K) Aby‡”Q‡` ewY©Z mxgvi bx‡Pi †jb‡`bmg~‡ni ‡¶‡Î Av‡e`bKvix I
‡ewbwdwkqvwi m¤úwK©Z Z_¨ (hv hvPvB‡qi cÖ‡qvRb n‡e bv) ‡hgb: bvg,
wVKvbv BZ¨vw` Ges wnmve b¤i ev wnmve b¤i bv _vK‡j ‡jb‡`‡bi mywbw`©ó
myÎ b¤i (Unique Transaction Reference Number) Aš—f©z³ Ki‡e; hv‡Z
cieZx©‡Z †jb‡`bwU mn‡R Lyu‡R cvIqv hvq|
bZzb ms‡hvRb
9.3 AW©vwis, B›UviwgwWqvix I ‡ewbwdwkqvwi e¨vs‡Ki KiYxq:
e¨vsK G mvK©yjv‡ii Aby‡”Q` 9 (1) I (2) ewY©Z wb‡`©kbv c~iY bv K‡i
†Kvbiƒc Avš—‡`kxq Ges Af¨š—ixb Iq¨vi UªvÝdvi Kvh©µg m¤úv`b Ki‡e
bv|
bZzb ms‡hvRb
10. mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A‡ ¿i we¯Ív‡i A_©vqb
cÖwZ‡iva (Prevention of Financing of Terrorism and Financing of
Proliferation of Weapons of Mass Destruction):
RvwZms‡Ni wbivcËv cwil‡`i †iRy‡jkb 1267 I Zvi AbyeZx© †iRy‡jkbmg~n,
RvwZms‡Ni wbivcËv cwil‡`i †iRy‡jkb bs 1373 Ges e¨vcK aŸsmvZ¥K A¯¿
we¯Ívi I Dnv‡Z A_© ms¯’vb cÖwZ‡iva, `gb Ges e¨vnZKiY m¤úwK©Z
†iRy‡jkbmg~‡ni ev¯Íevq‡bi Rb¨ e¨vsKmg~n wb‡¤œv³ c`‡ÿc MÖnY Ki‡e
cÖwZwU e¨vsK RvwZms‡Ni wbivcËv cwil‡`i wewfbœ †iRy‡jk‡bi
AvIZvq mš¿vm, mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A¯¿ we¯Ív‡i
A_©vq‡b RwoZ m‡›`‡n ZvwjKvfy³ ‡Kv‡bv e¨w³ ev mËv Ges evsjv‡`k miKvi
KZ©„K ZvwjKvfy³ ‡Kv‡bv e¨w³ ev wbwl× †NvwlZ mËvi nvjbvMv` Z_¨
B‡j±ªwbK c×wZ‡Z msiÿY I Zvi h_vh_ e¨envi wbwðZ Ki‡e;
RvwZms‡Ni wbivcËv cwil‡`i mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A¯¿
we¯Ív‡i A_©vqb msµvšÍ †iRy‡jkbmg~‡ni ev¯Íevq‡bi †ÿ‡Î weGdAvBBD
KZ©„K RvixK…Z Guidance Notes for Prevention of Terrorist Financing
and Financing of Proliferation of Weapons of Mass Destruction Gi
wb‡`©kbv AbymiYxq n‡e|
cÖwZ¯’vcb
11. wb‡qvM I cÖwk¶Y: (1) e¨vs‡Ki mKj Kg©KZ©v‡`i gvwbjÛvwis, mš¿vmx
Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A‡ ¿i we¯— v‡i A_©vqb cÖwZ‡iva mswkó
wel‡q Dchy³ cÖwk¶Y cÖ v‡bi e¨e¯’v Ki‡e| G‡¶‡Î Dchy³ cÖwk¶Y ej‡Z
wewfbœ ¯—i I wefv‡Mi Kg©KZ©v‡`i Rb¨ gvwbjÛvwis I mš¿vmx Kv‡h©
A_©vqb cÖwZ‡iva welqK †gŠwjK I Zv‡`i Kvh©µ‡gi mv‡_ mswkøó
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb SzuwK cÖwZ‡iva welqK Ges GKwU
wbw`©ó mgq Aš—i Aš—i Refresher Training †K eySv‡e;
AvswkK ms‡hvRb
Central Customer On-Boarding:
b) Professional ID not providing as per income source
c) Present address of the customer is not similar to NID
d) TP is not relevant with customer's income level
e) KYC not filled up properly
f) Document not uploading in e-IBS properly
g) NID uploading charge not taking
Central Customer On-Boarding:
Income source related document not collected
Professional details not clear
BAMLCO:
b) Wrong NID uploading
d) KYC not filled up properly
e)TP is not posting in e-IBS
f) Society/Club/proprietorship/Private limited/Public limited
company related documents not uploading
g) Expired certificate uploading
KYC Updating/remediation:
b) Compliance link/user/password not active
c) Local sanction list not preserving for audit trial.
Screening
e) BAMLCO is not update about global & local sanction
list
Screening:
b) Red flags are not resolved by the monitoring team.
c) High risk customer/TP is not updating properly
Transaction Monitoring:
f) Huge number of alerts are pending in each branch
g) Br doesn't maintain high risk clients list
h) KYC review document is not preserved properly for audit
trail
Transaction Monitoring:
a) No approval of PEPs and IPs account by the CAMLCO.
b) No special monitoring of PEPs and IPs data &
transaction.
PEPs & IPs monitoring:
b) Self Assessment Report making quarterly instead of half
yearly
c) Data providing incorrect field instead of correct field.
Self Assessment Report:
Self Assessment Report:
Price not verified as well as no audit trail documents
Credit Report not collecting, sometime collecting but not checking
the status
Bill of Entry not checking
Excess amount payment in deferred L/C (LIBOR+6)
Trade Based Money Laundering:
Non-Performing Investment/Loan not reported as STR ( CL & Write
off)
Credit Based Money Laundering:
1. Products inconsistent with customer’s business
2. Transaction structure unnecessarily complex
3. Payment of proceeds to unrelated third party
4. Locations or descriptions inconsistent with LC
39
Transaction in high-risk products
Invoice inconsistent with Customs documents
Obvious over- or under-pricing of products
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