6 standard str presentation[1]
TRANSCRIPT
-
8/20/2019 6 Standard STR Presentation[1]
1/31
Suspicious TransactionSuspicious Transaction
Identification and ReportingIdentification and Reporting
1
-
8/20/2019 6 Standard STR Presentation[1]
2/31
Transaction Monitoring Transaction Monitoring Techniques Techniques
1. MÖvn‡Ki †jb‡`b gwbUwis ‡Kb t-
wb‡Ri Rb¨: wb‡Ri PvKzixi wbivcËv wbwðZ Kivi Rb¨ GwUc‡qvRbxq!
cÖwZôv‡bi Rb¨ : "x#$ %gqv‡" cwZ&v‡bi '(bvg i)v *
+u(wKg(, iv-‡Z GwU .Z¨ve/¨K! GGgG0 e¨vs‡Ki 1wU %Kviwi‡23i GKwU! 4vb5vw'K w6wˇZ 7.M8-+ Rating wb9$‡qGGgG0 %iwUs* .:;6w?i 2@v‡A$ gvwb 0Bvwis *':Cv‡' .A$vqb cwZ‡iva Kiv c‡qvRb! ':Cv'x ivDE ev"(b$xwZM2F iv‡DEi Kv‡0v Zvw0Kv ‡A‡K g(w,i 0‡)¨* GwUc‡qvRbxq!
AvšÍR©vwZK ww!w!vb cwicvjb: GGwUG Gi'(cvwi/ ev2;evqbH IJGb Gi bvbvwea %iR¨(0(/b cwicv0bH.vw0K * .v:;R$vwZK '(cvwi/ ev2;evq‡bi Rb¨ GwU .ve/¨K!
2
-
8/20/2019 6 Standard STR Presentation[1]
3/31
Transaction Monitoring Techniques Transaction Monitoring Techniques
". †jb‡`b gwbUwis #i c$wZ t-wn've %-v0vi %)‡L hAvhA * 'vg'¨cN9$6v‡e K97
* TP %bqv!
wn've %-v0vi 'gq Mvn‡Ki %#vw4Z wUwc ZviOvZ .v‡qi 'v‡A 'vg'¨cN9$ wKbv Zv hvPvIKiv!
MvnK Zvi cwiwPwZ * .v‡qi ZA¨ c"v‡bMwogw' Ki‡= wKbv Zv .e‡0vKb Kiv!
MvnK KZ$>K wn've cwiPv0bvi %)‡L K97 * TPhAvhA6v‡e .b('i9 Kiv n‡= wKbv Zv .e‡0vKb Kiv!
K97 * TP nv0bvMv" Kivi %)‡L nv0bvMv"KQZ wUwcOvZ .v‡qi 'v‡A 'vg'¨cN9$ wKbv Zv hvPvI
Kiv! 3
-
8/20/2019 6 Standard STR Presentation[1]
4/31
Transaction Monitoring Techniques Transaction Monitoring Techniques
nv0bvMv"KQZ K97 * TP Gi w6wˇZ wi23 %Mwsc2SZ Kiv!
JP +u(wKh(, MvnK‡"i Zvw0Kv Zix KiZt Zv‡"i%0b‡"b wbqwgZ gwbUi Kiv!
‡#vw4Z wUwci 'v‡A %0b‡"‡b .2@v6vweKZv %"-v ‡M‡0Mvn‡Ki wbKU %A‡K J, %0b‡"‡bi Mn9‡hvM¨ e¨-¨v.v"vq Kiv!
PEP’s MvnK‡"i wn've %-v0vi %)‡L Ja$Zbe¨e2Fvcbvi .b(‡gv"b Mn9 Ges ‡0b‡"‡bi %)‡L .wZwi,
'ZK$Zv .e0V@b Kiv!We‡"w/K %iwg‡UXn .b¨vb¨ Ib*qv$ * .vJU*qv$%iwg‡UX Gi MwZYcKQwZH Mvn‡Ki e¨e'v.v‡qi'v‡A Gi 'vg'¨ZvH %iwg‡UX cvw[i‡ci‡9i%h\w,KZv IZ¨vw" gwbUwis Kiv!
4
-
8/20/2019 6 Standard STR Presentation[1]
5/31
7TR .na4(sis7TR .na4(sis
bM` †jb‡`b wi‡cvwU©s %CTR &evs0v‡"/ e¨vs‡K wi‡cvU$ Ki‡Z n‡eH hw"
GKwU wn'v‡eGKw"‡b
]^ 0_ UvKvbM" Rgv ev bM" J‡Ëv0b nq!
(AbjvBb †jb‡`bmn)
( CTR
#i Rb¨ wb!©vwiZ 'ig i‡(‡) )
5
-
8/20/2019 6 Standard STR Presentation[1]
6/31
7TR .na4(sis7TR .na4(sis
K¨v/ %iwRDviweei9xi 'v‡A ` gv‡' "vw-0KQZ CTRwi‡cvU$ /v-v KZQ$K cix)vcNe$K Gi 'wKZvwbwðZ Ki‡Z n‡e!
W"wbK w6wˇZ Mvn‡Ki w'wU.vi hvPvI * we‡/4bKi‡Z n‡e!
JP +u(wKh(, Mvn‡Ki w'wU.vi wbqwgZ6v‡ehvPvI Ki‡Z n‡e! %0b‡"‡b .2@v6vweKZv cwi0w)Z n‡0Mvn‡Ki Kv= %A‡K %0b‡"‡bi %h\w,KZvi %#v49v 'sMnKi‡Z n‡e!
w'wU.vi we‡/4‡9 %Kvb MEvn‡Ki ‡0b‡"b .2@v6vweKg‡b n‡0 Mvn‡Ki Kv= %A‡K %0b‡"‡bi Kvi9e¨-¨v'sMn Ki‡Z n‡e! MvnK c"Ë e¨-¨v '‡:;v4RbK bvn‡0 Zv '‡"nRbK %0b‡"b wn'v‡e wPwndZ KiZt 7.M-7 Gi gva¨‡g evs0v‡"/ e¨vs‡K wi‡cvU$ Ki‡Z n‡e!
6
-
8/20/2019 6 Standard STR Presentation[1]
7/31
+tructuring Monitoring+tructuring Monitoring
gvwbj*vwis cÖwZ‡iv! Av+b, "1" #i "%'&%&!viv Ab/0v( +tructuring #KwU gvwb j*vwisAciv!2
+tructuring j‡Z /3v(, †Kvb Avw4©K †jb‡`b#i5c6v‡ 789b Kiv v 789b Kivi †;(v Aj8?b Ki‡ 0v‡Z†Kvb wn7v‡ +tructuring cÖK@wZi †jb‡`b
cwijwZ n‡j Zv 7n‡R B`CCDvUb E wbwFZ`viwKi AvEZv( Avbv 0v(2'‡e$vcwi +tructuring 7bvG n‡j Zv '‡"nRbK
%0b‡"b wn‡'‡e wPwndZ KiZt 7.M-7 Gi gva¨‡gevs0v‡"/ e¨vs‡K wi‡cvU$ Ki‡Z n‡e!
7
-
8/20/2019 6 Standard STR Presentation[1]
8/31
7‡H`nRbK †jb‡`b wKI7‡H`nRbK †jb‡`b wKI
MÖvn‡Ki ¨7vw(K, Avw4©K E Ab¨vb¨ Kg©Kv‡*i7v‡4 A7vgJ7¨cL© Av;iL†jb‡`b‡K 7‡H`nRbK†jb‡`bKv0©>g wn7v‡ w‡;bv Kiv n(2
gvwbj*vwis cÖwZ‡iv! Av+b, "1" #i "%0&
!vivN7‡H`nRbK †jb‡`bO A4© #+i5c †jb‡`b---
%1& 0vnv P?v6vwK †jb‡`‡bi !ib n+‡Z w6bQ%"& ‡0 †jb‡`b 789‡K© #+i5c !viLv n( †0,
%K& +nv †Kvb Aciv! n+‡Z AwR©Z 789`,%=& +nv †Kvb 7šv7 Kv‡0©, †Kvb 7šv77sMSb‡K v †Kvb
7šv7‡K A4©v(bQ
8
-
8/20/2019 6 Standard STR Presentation[1]
9/31
UnTsT! vs. sTsViciFTs!ctivit/UnTsT! Activit/3F7t0ing FTt F6 t0 nFW7! V!ttWn.Et 7!/ W(TiW !''itiFn! invstig!tiFn
tF cFncT' w0t0W t0 tW!ns!ctiFn issTsViciFTs FW gnTin.
A TnTsT! tW!ns!ctiFns !W nFtsTsViciFTs.
3TsViciFTs Activit/
An/ !ctivit/ tW!ns!ctiFn w0W !'is0Fnst !ctiFn 7!/ b invFv'.3TsViciFTs !ctivit/ c!n b i'ntiX'
t0WFTg0 v!WiFTs W' Y!gs % in'ic!tFWs F6sTsViciFTs !ctivit/&.
-
8/20/2019 6 Standard STR Presentation[1]
10/31
10
*nicators o6 unusua4 activit(*nicators o6 unusua4 activit(
-
8/20/2019 6 Standard STR Presentation[1]
11/31
11
*nicators o6 susicious activit(*nicators o6 susicious activit(
-
8/20/2019 6 Standard STR Presentation[1]
12/31
7‡H`nRbK †jb‡`b7‡H`nRbK †jb‡`b
12
-
8/20/2019 6 Standard STR Presentation[1]
13/31
2@v6vweK %0b‡"b
.2@v6vw
eK%0b‡"b
wn've %-v0vi i‡gc"Ë ZA¨'ieivnKQZ KvMRcL
c"Ë wUwc‡K*qvIw'
wn've %-v0vi i‡gc"Ë ZA¨'ieivnKQZ KvMRcLc"Ë wUwc‡K*qvIw'
'wZcN9$
.Y'wZcN9$
AP?v6vwK †jb‡`bAP?v6vwK †jb‡`b
13
-
8/20/2019 6 Standard STR Presentation[1]
14/31
AP?v6vwK †jb‡`bAP?v6vwK †jb‡`b
.2@v6 vweK%0b‡"b
Mvn‡Ki 'v‡A %hvMv‡hvMKiv.2@v6vweK %0b‡"‡bi Kvi9
'V‡K$ wROv'v Kiv‡0b‡"‡bi 2@c‡_ Kz‡gU'sMn Kiv
'‡:j
v4RbKJËiKz‡gU
cv*qv%M‡0
2@v6vweK%0b‡"b
'‡:jv4RbKJËiKz‡gU bvcv*qv %M‡0MvnK%hvMv‡hvM bvKi‡0MvnK‡K cv*qv
bv %M‡0
%0b‡"bwU
'‡"n
RbK
14
-
8/20/2019 6 Standard STR Presentation[1]
15/31
7‡H`nRbK †jb‡`b7‡H`nRbK †jb‡`b
wi‡cvwUswi‡cvwUsgvwb 0Bvwis cwZ‡iva .vIbYk^]k Giklm# aviv.b(hvqx evw9wR¨K e¨vsK GIic '‡"RbK
%0b‡"b
'VwK$Z ZA¨ 2@YJ‡"¨v‡M evs0v‡"/e¨vs‡K wi‡cvU$ Ki‡e!
G Gg G0 'vK$(0vi bs k * ]p Gi wb‡"$/bv
.b('v‡i e¨vsK'gNn '‡"nRbK %0b‡"b'VwK$Z ZA¨hAvhA6v‡e evs0v‡"/ e¨vsK‡K wi‡cvU$
Ki‡e!
15
-
8/20/2019 6 Standard STR Presentation[1]
16/31
7‡H`nRbK †jb‡`b7‡H`nRbK †jb‡`b
wi‡cvwUs cÖw>(vwi‡cvwUs cÖw>(vG Gg G0 'vK$(0vi bs k G 'e$cAg G'wU.vi
wi‡cvwU$s ig %"qv nq! evs0vq g(w"EZ ` i‡gwi‡cvU$Kvix Kg$KZ$vi bvg %0-vi eva¨ZvaKZvw=0 hv cieZ$x‡Z cwieZ$b Kiv n‡q‡=!
` 'vK$(0v‡i G'wU.vi 'bv,Ki‡9 0)bxqwe4qvw"i wb‡"$/K (Indicative) Zvw0Kv %"qv nq!G Gg G0 'vK$(0vi bs G G'wU.vi
wi‡cvwU$s i%g wK=zUv cwieZ$b 'vab K‡iigwU Is‡iwR‡Z cP0b Kiv nq!
'e$‡/4 G Gg G0 'vK$(0vi bs ]p G G'wU.viwi‡cvwU$s ig bZzb6v‡e %"qv n%q‡=! G i‡gwi‡cvU$Kvix Kg$KZ$vi bvg ‡bI!
16
-
8/20/2019 6 Standard STR Presentation[1]
17/31
7‡H`nRbK †jb‡`b7‡H`nRbK †jb‡`b
wi‡cvwUs cÖw>(vwi‡cvwUs cÖw>(v¨vs‡Ki †Kvb kv=v( 7‡H`nRbK †jb‡`b j¨ Kiv †M‡j7v‡4 7v‡4 Zv wi‡cvU© Ki‡Z n‡Qkv=vi †0 Kg©KZ©v 7‡H`nRbK †jb‡`b j¨ Ki‡b
wZwb+
kv=v gv. j. cÖ. cwicvjb Kg©KZ©vi Kv‡)wi‡cvU© Ki‡b2 kv=v gv. j. cÖ. cwicvjb Kg©KZ©v w(wU
0v;v+ K‡i gšÍ¨7ncÖ!vb Kv0©vj‡( cvSv‡b v bw46G Ki‡b2
cÖ!vb gv. j. cÖ. cwicvjb Kg©KZ©v w(wUc/bt Z`šÍ E 0v;v+K‡i gšÍ¨7n vsjv‡`k ¨vs‡K cvSv‡b v
bw46G Ki‡b2
17
-
8/20/2019 6 Standard STR Presentation[1]
18/31
7‡H`nRbK †jb‡`b7‡H`nRbK †jb‡`b
wi‡cvwUs cÖw>(vwi‡cvwUs cÖw>(v[FTW 3t!gs- Identification - of Suspicious activity
Investigation - through appropriate questioning
Evaluation - against previous account activity
Disclosure - if doubt/suspicious, report to
BI! of Bangladesh ban" through ##!$
18
-
8/20/2019 6 Standard STR Presentation[1]
19/31
ProceuresProceures
A+D\RMA=
]RAD3A]E\D
• En6FW7!tiFn VWFvi''in A\[•]W!ns!ctiFn ;WFX•KL ;WFX•\t0W Wv!nt'FcT7nts
F7V!Wing
3U3;EE\U3
]RAD3A]E\D
[in'ing
DFW7!^Vct']W!ns!cti
Fn
Fnsistnt
EncFnsistnt
-
8/20/2019 6 Standard STR Presentation[1]
20/31
ProceuresProceures
Btct TnTsT!tW!ns!ctiFn!ctivit/ %!n/ F_cWFW +AM=\&
8va4uateb(
I.M-7
[in'ing
Fs wit0VWFVWWcFW's
3nt tF U
C KVWcFW'
8va4uateb( 77U
inings
Fs wit0VWFVWWcFW's
RVFWt tF
++ C kVWcFW's
#ot susicious
+usicious
+usicious
#ot susicious
-
8/20/2019 6 Standard STR Presentation[1]
21/31
7‡H`nRbK Kv0©>g7‡H`nRbK Kv0©>g
wi‡cvwU©s %wi‡cvwU©s %SAR SAR
&&
Check fraudCheck kitting
Commercial/consumer loan fraudEmbezzlementSuspicious Wire Transfer Suspicious act in safe deposit bo!Suspicious act In mc/ins/securit"
Terrorist #inancing$ebit/Credit Card fraud
Structuring%ortgage fraudSuspicious act Trade fina
†jb‡`bwU
7‡H`n
RbK
-
8/20/2019 6 Standard STR Presentation[1]
22/31
7‡H`nRbK ‡jb‡`bKv0©>g7‡H`nRbK ‡jb‡`bKv0©>g7bvGKiL %7bvGKiL %IdentificationIdentification&&
-
8/20/2019 6 Standard STR Presentation[1]
23/31
7‡H`nRbK †jb‡`‡bi 787‡H`nRbK † jb‡`‡bi 78v¨ wb‡`©kK7gnv¨ wb‡`©kK7gn1. bvbv w(vw` †MvcbKiL, Bn¨ iv=v, )aviL
Zi v #wF‡( 0vE(vi cÖ(v7 #s MÖvnK cÖ`ww6b Z‡4¨ A7vgJ7¨Zv cwijwZ nE(v2
". wn7v †=vjvi 7g( cÖ‡(vRb( AZ¨vk¨K(Z4¨ cÖ`v‡b Abnv cÖ`k©b, A7`/cv( Aj8?bv cÖZviLv Kiv2
d. 6ej wSKvbv cÖ`vb Kiv v wSKvbvwU #gb6v‡cÖ`vb Kiv 0v 7Z¨ v wg4¨v b(, wKšf civ Kiv78 n( bv2
. ‡Kvb KviL )vFv+ wbKUZ© ¨vsK kv=v †i‡=`iZ© ¨vsK kv=v( wn7v cwi;vjbv Kiv2
h. Ab¨ †Kvb ¨vsK wn7v Av‡) wKbv ZvRvbv‡Z Abnv cÖ`k©b2
23
-
8/20/2019 6 Standard STR Presentation[1]
24/31
7‡H`nRbK †jb‡`‡bi 787‡H`nRbK †jb‡`‡bi 78
v¨ wb‡`©kK7gnv¨ wb‡`©kK7gn. ‡jb‡`‡bi Ab/gwZ gvv( Bwjw=Z Z4¨ Zvi¨7vi cwiw!i 7v‡4 7vgJ7¨cb© b(2l. MÖvn‡Ki ¨7v(Pmj cwi`k©b K‡i
7‡šÍvRbK g‡b bv nE(v2
. ¨7v‡(i cÖK@wZMZ Kvi‡L †;K v Ab¨+b
-
8/20/2019 6 Standard STR Presentation[1]
25/31
7‡H`nRbK †jb‡`‡bi 787‡H`nRbK †jb‡`‡bi 78
v¨ wb‡`©kK7gnv¨ wb‡`©kK7gn11. MÖvn‡Ki wn7v‡ Rvj6/(v +qU/o/‡gHU Rgv †`(v21". MÖvn‡Ki ww6b bv‡g v ww6b cÖwZôv‡bibv‡g A‡bKrwj wn7v 4vKv #s 7r‡jv wn7v wg‡jcwi;vwjZ †jb‡`‡b AP?v6vwKZv cwijwZ nE(v2
1d.¨vs‡Ki Av‡Z A‡bKr‡jv ¨vsKwi‡cvwU©s
#‡Rwq‡Z wn7v cwi;vjbv KivQ wKšf Znwj#KKi‡Li Kvi‡L v visvi Znwj PmvbvšÍi Kivi '‡j¨vsK KZ@©K Ab¨ wn7vr‡jv 789‡K© AwnZnE(v2
1. 0/wG7Z KviL )vFv+ Ab¨ ¨wGi †;‡K vivi F
As‡Ki RgvKiL21h. nSvW ¨vs‡K #K v #Kvw!K jKvi MÖnL, DL DL¨nvi #s 7j Kiv c¨v‡KU vivi iv=v #s BSv‡bv2
25
-
8/20/2019 6 Standard STR Presentation[1]
26/31
7‡H`nRbK †jb‡`‡bi 787‡H`nRbK †jb‡`‡bi 78
v¨ wb‡`©kK7gnv¨ wb‡`©kK7gn1. ¨vsK KZ@©K KZ©b Kiv ;vR©7gn,
¨vsK 7/`, ww6b 7/‡0vM-7/w!v+Z¨vw` 789‡K© u`vw7b¨ cÖ`k©b2
1l. ‡Kvb vZ KviL )vFv+ 7s=¨K †jvK
KZ@©K †Kvb wn7v‡ UvKv Rgv Kiv21. `D©w`‡bi 7g7¨v RR©wiZ [L vZ
KviL )vFv+ nSvW cwi‡kv! Kiv21p. vZ †Kvb KviL )vFv Z@Z( c‡i 789‡`i
wci‡Z [L cvvi cÖPÍv †`(v2".¨7vw(K cÖ‡(vRb )vFv F As‡Ki
†iwgU¨vq ‡cÖiL E MÖnL Kiv2 †cÖi‡Li †‡BW7 Ab/G iv=v2
26
-
8/20/2019 6 Standard STR Presentation[1]
27/31
7‡H`nRbK †jb‡`‡bi 787‡H`nRbK †jb‡`‡bi 78
v¨ wb‡`©kK7gnv¨ wb‡`©kK7gn"1. Avg`vbi †‡ AwZ-gj¨v(b #s ivbi
†‡ A-gj¨v(b Kiv2"". Avg`vb v ivbi †‡ vRvi `i A‡cv Kg
v †k g‡j¨ >(w>( ;ewG 789v`b Kiv2
"d. Avg`vb c‡L¨i 'isYec4aration cÖ`v‡bigv!¨‡g cL¨ g‡j¨i ZviZg¨ DUv‡bv E xy 'TvwK‡`(v2
". ivbi †‡ 6(v AR/CnvZ †`w=‡(ivbgj¨ cÖZ¨vv7b bv Kiv2
"h. gvjvgvj †`‡k cÖ‡k ¨ZZ 6(v `wjj¨vs‡K Rgv w`‡( †jUvi A †>wz‡Ui UvKvw‡`‡k cvSv‡bv2
27
-
8/20/2019 6 Standard STR Presentation[1]
28/31
7‡H`nRbK †jb‡`‡bi 787‡H`nRbK †jb‡`‡bi 78
v¨ wb‡`©kK7gnv¨ wb‡`©kK7gn". Ab/‡gvw`Z wzjvi v gvwb †;Jvi jv+‡7q bv
4vKv 7‡{E ‡`wkK g/`ov >(-w>( KivwKsv jv+‡7q 4vKv 7‡{E A|!6v‡ †jb‡`bKiv2
"l. ‡;viv;vjv‡bi 7v‡4 cÖZ¨ v c‡iv6v‡ 0/G4vKv2
". Awbv7‡`i wn7v A|!6v‡ ¨nvi Kiv2"p. 6(v wj A #wHUo `vw=j Kiv2d. [L †b(vi ci †Kvb KviL ¨ZZ AwZ ZvFvZvwF
Zv cwi‡kv! Kiv2d1. 7gvšÍ #jvKv( cÖv(kt A4© †cÖiL2d".cÖ;ei †jb‡`b wKšf P?} ¨v‡jq 4vKv #s
‡ki6vM †jb‡`b RFTn' [igTW # Kiv2
28
-
8/20/2019 6 Standard STR Presentation[1]
29/31
7‡H`nRbK †jb‡`‡bi 787‡H`nRbK †jb‡`‡bi 78
v¨ wb‡`©kK7gnv¨ wb‡`©kK7gndd. MÖvnK wb‡R BcwPmZ bv n‡( 7©`v
ww6b †jvK ~viv ¨vswKs Kg© 789v`b2d. cÖ;ei †jb‡`b K‡i †jb‡`‡bi B‡•k¨ RwUj Kiv v
!goRvj 7€w< Kiv2
dh. MÖvn‡Ki 7v‡4 7swk( Ew>(2
dl. zovM BWcv`bKvi E UovbwRU †`k v7šv7 iv
-
8/20/2019 6 Standard STR Presentation[1]
30/31
7‡H`nRbK †jb‡`‡bi 787‡H`nRbK †jb‡`‡bi 78
v¨ wb‡`©kK7gnv¨ wb‡`©kK7gndp. Abjv+‡b †`‡ki ww6b cÖvšÍ †4‡K
MÖvn‡Ki wn7v‡ UvKv Rgv nE(v2
. MÖvn‡Ki wn7v‡ †)vU †)vU cwigvbRgv wK)ew`b ci ci €nW cwigv‡L
MÖvn‡Ki v Zvi P?v4© 7swk< ¨wGMZwn7v‡ #'wzAvi Kivi Rb¨ PÍvbvšÍi Kiv21. ‡0wGK KviL )vFv ¨wGMZ wn7v‡
¨7vw(K †jb‡`b Kiv2
". cÖ‡(vRb )vFv+ #K+ A4© ww6bwn7v‡ PmvbvšÍ‡ii gv!¨‡g A‡nZeK†jb‡`‡bi !/8oRvj Zi Kiv2
30
-
8/20/2019 6 Standard STR Presentation[1]
31/31
31