Bank Secrecy, AntiMoney Laundering OFAC：银行保密制度，反洗钱.pptVIP

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Bank Secrecy, AntiMoney Laundering OFAC：银行保密制度，反洗钱.ppt

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Bank Secrecy, AntiMoney Laundering OFAC：银行保密制度，反洗钱

Bank Secrecy, Anti-Money Laundering OFAC October 2005 Director Education Bank Secrecy Act (BSA) Designed to aid federal government in detecting illegal activity through tracking certain cash-based transactions. Requires banks to file reports of daily transactions conducted in currency in amounts over $10,000. Requires recordkeeping on beneficiaries and originators of funds transfers in amounts over $3,000. Requires information gathering and recordkeeping on sales of money orders, cashier’s checks, and traveler’s checks in amounts between $3,000 and $10,000. Establishes certain exemptions to the currency transaction reporting requirements. Bank Secrecy Act (BSA)Identifying Reportable Transactions The Bank is required to fill out a Currency Transaction Report (CTR) for ANY cash transaction that totals over $10,000. A cash transaction is one that involves the physical transfer of actual cash between Bank personnel and any customer. A cash transaction can be the combination of several transactions throughout the day or one specific transaction such as: A deposit of more than $10,000 in cash A withdrawal of more than $10,000 in cash The cashing of a check or group of checks that total more than $10,000 in cash An exchange of currency, for example, the exchanging of smaller bills for larger ones for more than $10,000 A loan payment of more than $10,000 in cash The cashing or redeeming of Savings Bonds that is more than $10,000 in cash The purchase of money orders, bank checks, gift checks or travelers checks for more than $10,000 Bank Secrecy Act (BSA)Identifying Reportable Transactions A multiple currency transaction is a transaction conducted on behalf of the same person or account in the same business day but at different branches or offices and results in cash in or out of more than $10,000. In this situation the accounting department will discover the reportable transaction and they will notify the branch manager to complete a CTR. Here are some examples of