Muhammad Rejaul Islam, CAMS
Senior Principal Officer, MLTFPD
Islami Bank Bangladesh Limited.
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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|
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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|
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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|
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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|
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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):
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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|
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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;
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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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