洗钱亚太财经与发展学院.ppt

Risk Management and Regulatory Compliance风险管理与合规Asia Pacific Finance and Development Center亚太财经与发展中心 World Bank Institute世界银行学院 Alex Vanderpol June 19, 2008 Compliance advises on compliance risk 合规对合规风险提出建议 Key Compliance Areas:关键的合规领域： Know Your Customer:了解你的客户： Customer Identification allows the bank to have confidence in the integrity of the persons with whom they transact business 客户鉴别使得银行能相信与他们进行交易的人的诚信度 Requires employees to obtain information identifying their customers 要求员工获取鉴别客户的信息 Requires employees to verify that customers are who they say they are 要求员工核实客户资料的可靠度 These responsibilities continue throughout the life of our relationship with a customer and apply to every transaction 这些职责贯穿于我们与客户打交道的整个过程，适用于每次交易 Money Laundering Terrorist Financing洗钱及恐怖分子筹资活动 Examples of other sources for Money Laundering Terrorist Financing洗钱及恐怖分子筹资的其他来源举例 Drugs 毒品 Prostitution 卖淫 Illegal Workers (Human trafficking) 非法劳工（贩卖人口） Fraud 欺骗 Theft 偷窃 Smuggling goods and/or arms 走私商品/武器 Sanctions 制裁 Two major financial markets, the EU and the US, apply economic sanctions in certain cases against particular countries to support their foreign policy objectives. 在某些情况下，欧盟和美国两大金融市场对特定国家实施经济制裁来支持其外交政策 Violating EU or US sanction laws can put a bank’s customers at risk of incomplete transactions, frozen assets or criminal and civil penalties and expose our bank / employees to liability.违反欧盟或美国的制裁法会将一家银行的客户置于不完全交易、冻结资产或者刑事和民事处罚的风险之中，使银行/雇员承受债务 Particular vigilance is needed when a transaction contains a so called CSI (Cuban Sudanese or Iranian) element.当一个交易牵涉所谓的CSI（古巴、苏丹或伊朗）时，需要特别警惕 Vigilance is also needed when dealing with Myanmar. 和缅甸打交道时也要非常注意 Transaction Surveillance 交易监控 Transaction filtering 交易过滤 Filter pre-transaction cross-border activity to comply with OFAC, EU and other Sanctions (immediate action to prevent transactions from being processed) 滤除交易前的跨国活动以遵守外国资产管制处、欧盟及其他制裁（防止交易被处理的立即行动） Transaction monitoring 交易监测 Monitor post-transaction activ