An Overview

on
BFIU Circulars and AML & CFT Acts
William Chowdhury
Manager: Compliance & Reporting
AML & CFT Department
IFIC Bank Limited, Head Office, Dhaka
Mobile: +8801711703557
Email: [email protected]
PABX: +8809666716250; Ext:640
Chapters in BFIU Circular-26, Dated 16.06.2020
1. cwicvjb KvVv‡gv
2. MÖvnK wbe©vPb bxwZgvjv
3. MÖvnK cwiwPwZ (KYC), mZK©Zvg~jK e¨e¯’v I Ab¨vb¨
4. we‡`‡k Aew¯’Z e¨vsK kvLv I mvewmwWqvix cÖwZôv‡bi †ÿ‡Î KiYxq
5. ‡jb‡`b cixÿY
6. bM` †jb‡`b weeiYx `vwLj (6+26+23+20)
75% Marks in ITP
7. m‡›`nRbK †jb‡`b cÖwZ‡e`b
8. ‡mj&d G¨v‡mm‡g›U I BwÛ‡c‡Û›U †Uw÷s
9. Iq¨vi UªvÝdvi
10. mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A‡¯¿i we¯Ív‡i A_©vqb cÖwZ‡iva
11. wb‡qvM I cÖwkÿY
12. ‡iKW© Ges cÖ‡qvRbxq Z_¨/`wjjvw` msiÿY
13. Ab¨vb¨
Customer CDD EDD Simplified CDD
wbf©i‡hvM¨ I wbi‡cÿ Drm n‡Z cÖvß Z_¨, DcvË I `wjjvw`i e¨vsK KZ©„K wbiƒwcZ D”P SzuwK m¤úbœ (K) IqvK-Bb Kv÷gvi (Walk-in
Account Holder
wfwˇZ MÖvn‡Ki (e¨w³ A_ev mËv) cwiwPwZ wbwðZKiY, (High Risk/PEP/IP/Close Customer) KZ©„K AbyaŸ© 50,000/-(cÂvk
msM„nxZ cwiwPwZg~jK Z_¨ ev Dcv‡Ëi mwVKZv Ges A‡_©i Associates) MÖvn‡Ki †ÿ‡Î wb¤œiƒ‡c nvRvi) UvKv †jb‡`‡bi ‡ÿ‡Î †cÖiYKvix ev
Drm hvPvBKiYmn wnmv‡ei cwiwPwZg~jK Z_¨ ev DcvË I MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK Av‡e`bKvix I cÖvcK ev ‡ewbwdwmqvwii bvg I
Beneficial †jb‡`b wbqwgZfv‡e (On-going) cixÿY Kiv‡K eySv‡e| e¨e¯’v ev EDD MÖnY Ki‡Z n‡e : wVKvbv Ges †cÖiYKvix ev Av‡e`bKvixi †Uwj‡dvb
owner b¤^i msMÖn Ki‡Z n‡e;
MÖvn‡Ki h_vh_ cwiwPwZ MÖnY I hvPvBKiY (KYC), CDD
cÖwµqvi GKwU Ask| 1) wbf©i‡hvM¨ I wbi‡cÿ Drm ‡_‡K MÖvnK (L) †Kv‡bv †jb‡`b 50,000/-(cÂvk nvRvi)
Professional cwiwPwZ m¤úwK©Z AwZwi³ Z_¨vw` msMÖn; UvKv Gi AwaK ev 5,00,000/- (cvuP jÿ) UvKv
Intermediaries MÖvnK ev cÖK…Z myweav‡fvMxi cwiwPwZg~jK Z_¨, ev Dcv‡Ëi Gi bx‡P n‡j †cÖiYKvix ev Av‡e`bKvix I cÖvcK
mwVKZv e¨emvwqK m¤úK© ¯’vc‡bi mgq ev wnmve †Lvjvi ci ev ‡ewbwdwmqvwii bvg I wVKvbv Ges †cÖiYKvix ev
D³ wnmve n‡Z A_© D‡Ëvj‡bi c~‡e©B hvPvB Ki‡Z n‡e| 2) wnmve †Lvjvi D‡Ïk¨, wnmv‡ei A_© ev Av‡e`bKvixi †Uwj‡dvb b¤^i Gi cvkvcvwk
High Value
m¤ú‡`i Drm wbwðZ nIqvi Rb¨ AwaKZi †cÖiYKvix ev Av‡e`bKvix ev RgvKvix ev
Occasional • WLC Checking (UN, OFAC, EU, HMT & e¨e¯’v MÖnY; D‡ËvjbKvixi Qwehy³ AvBwW Gi Kwc mZ¨qbmn
Transaction BFIU)
msMÖn Ki‡Z n‡e;
• Risk Profiling (15 & above=High Risk; below
(walk-in
15=Low Risk)
customer) • Beneficial Owner Identification 3) Zv‡`i wnmv‡ei †jb‡`b wbqwgZfv‡e (M) †Kv‡bv †jb‡`b 5,00,000/-(cvuP jÿ)
• Foreign Account Tax Compliance Act (FATCA) AwaKZi cixÿY; Ges UvKv ev Z`~aŸ© g~‡j¨i AwbqwgZ (Occasional)
• Address Verification †jb‡`‡bi mgq, †cÖiYKvix ev Av‡e`bKvix I
Any others as • Ascertain pattern of transaction on the basis of cÖvcK ev ‡ewbwdwmqvwii bvg I wVKvbv Ges
defined by last 6 to 12 months transactions and examine 4) cÖ‡hvR¨ ‡ÿ‡Î, e¨vs‡Ki cÖavb †cÖiYKvix ev Av‡e`bKvixi †Uwj‡dvb b¤^i Gi
• Review High Risk Customers KYC every
BFIU from gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZv©I cvkvcvwk †cÖiYKvix ev Av‡e`bKvix ev RgvKvix
1(one) year and Low Risk Customers KYC
time to time every 5(five) years interval (CAMLCO) Aby‡gv`b MÖnY| ev D‡ËvjbKvixi Qwehy³ AvBwW Gi Kwc
mZ¨qbmn Short KYC msMÖn Ki‡Z n‡e;
Transactions Monitoring and STR/SAR Identification & Reporting
CTR
10 Lac & Above Cash
Transaction
Normal Compare Normal
Structuring
5 Lac to below 10 Lac Cash
Expected
with Expected
Report
Transaction
AOF, STR
TP Variation KYC, (if transactions
are suspicious)
$K9, Option-7 TP

Transactions TP Periodic
OR
Monitoring Review
6-12 Months Transactions
As well
with
SAR
KYC Periodic (if activities are
Review Abnormal Suspicious suspicious)
High Risk-1Y:Low Risk-5Y Profession
&
SOF
Adverse/
Negative News
bM` †jb‡`b weeiYx ch©v‡jvPbv‡šÍ ‡Kv‡bv m‡›`nRbK †jb‡`b cwijwÿZ n‡j m‡›`nRbK †jb‡`b wi‡cvU© wn‡m‡e `vwLj
 Customer Search Tools in CBS “$CC”

1 2
TP Variation Report ($K9, Option-7)
 6. bM` †jb‡`b weeiYx `vwLj (Cash Transaction Report-CTR)
✓ cÖwZwU e¨vsK kvLvmg~‡ni c~e©eZ©x gv‡mi ‰`bw›`b †jb‡`b cixÿv K‡i ‡Kv‡bv GKwU wnmv‡e ‡Kv‡bv GKwU wbw`©ó w`‡b GK ev GKvwaK
†jb‡`‡bi gva¨‡g Rgv ev D‡Ëvj‡bi (AbjvBb, GwUGgmn ‡h ‡Kv‡bv ai‡Yi bM` Rgv ev D‡Ëvjb) cwigvY hw` 10(`k) jÿ UvKv
ev Z`~aŸ© A‡_©i ev mgg~‡j¨i ‰e‡`wkK gy`ªvq nq Z‡e Zv ¯^ ¯^ gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wefvM Gi gva¨‡g gvwmK
wfwˇZ weGdAvBBD eive‡i bM` †jb‡`b weeiYx wn‡m‡e `vwLj

✓ bM` †jb‡`b weeiYx ch©v‡jvPbv‡šÍ ‡Kv‡bv m‡›`nRbK †jb‡`b cwijwÿZ n‡j m‡›`nRbK †jb‡`b wi‡cvU© wn‡m‡e `vwLj;

✓ miKvwi wnmve (wewfbœ gš¿Yvjq, ¯’vbxq miKvi I miKvix wewfbœ wefvM), miKvwi gvwjKvbvaxb cÖwZôvb, Avav miKvwi ev ¯^vqËkvwmZ
cÖwZôv‡bi wnmv‡e bM` Rgvi †ÿ‡Î bM` †jb‡`b weeiYx `vwLj Kivi cÖ‡qvRb n‡e bv, Z‡e bM` D‡Ëvj‡bi †ÿ‡Î h_vwbq‡g bM`
†jb‡`b weeiYx `vwLj Ki‡Z n‡e;

✓ ¯‹zj, K‡jR, wek¦we`¨vjqmn mKj wkÿv cÖwZôv‡bi ‡eZbvw`/wUDkb wd Ges miKvix BDwUwjwU wej (we`y¨r, cvwb, M¨vm BZ¨vw`) Gi
A_© msMÖ‡ni D‡Ï‡k¨ cwiPvwjZ ‡Kv‡bv wnmv‡e bM` Rgvi ‡ÿ‡Î bM` †jb‡`b weeiYx `vwLj Kivi cÖ‡qvRb ‡bB| Z‡e bM`
D‡Ëvj‡bi †ÿ‡Î bM` †jb‡`b weeiYx `vwLj Ki‡Z n‡e

✓ AvšÍte¨vsK Ges AšÍtkvLv bM` †jb‡`‡bi †ÿ‡Î bM` †jb‡`b weeiYx `vwLj Kivi cÖ‡qvRb n‡e bv|
 7. m‡›`nRbK †jb‡`b cÖwZ‡e`b (Suspicious Transaction Report-STR)
✓ m‡›`nRbK †jb‡`b kbv³Ki‡Y e¨vsK Kg©KZ©vMY gvwbjÛvwis cÖwZ‡iva AvBb, 2012 Gi 2(h) aviv I mš¿vm we‡ivax AvBb, 2009 Gi 2(16) avivq
ewY©Z msÁv we‡ePbvq wb‡e;
Òm‡›`nRbK †jb‡`bÓ A_© GBiƒc †jb‡`b
(1) hvnv ¯^vfvweK †jb‡`‡bi aiY nB‡Z wfbœ;
(2) †hB †jb‡`b m¤ú‡K© GBiƒc aviYv nq †h,
(K) Bnv †Kvb Aciva nB‡Z AwR©Z m¤ú`,
(L) Bnv †Kvb mš¿vmx Kv‡h©, †Kvb mš¿vmx msMVb‡K ev †Kvb mš¿vmx‡K A_©vqb;
(3) hvnv GB AvB‡bi D‡Ï‡k¨ c~iYK‡í, evsjv‡`k e¨vsK KZ©„K, mg‡q mg‡q, RvixK…Z wb‡`©kbvq ewY©Z
Ab¨ †Kvb †jb‡`b ev †jb‡`‡bi cÖ‡Póv;

✓e¨vsK kvLvi ‡Kv‡bv Kg©KZ©v KZ…©K m‡›`nRbK †jb‡`b ev Kvh©µg wPwýZ nIqvi mv‡_ mv‡_ Zv kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v‡K
(BAMLCO) wjwLZfv‡e AewnZ Ki‡Z n‡e| kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v wi‡cvU©K…Z †jb‡`b ev Kvh©µg Awej‡¤^ h_vh_fv‡e we‡kølY
Ki‡e Ges ch©‡eÿYmg~n wek`fv‡e wjwce× K‡i msiÿY Ki‡e| ewY©Z †jb‡`b ev KvhµgwU m‡›`nRbK wn‡m‡e we‡ewPZ n‡j Zv Awej‡¤^ cÖ‡qvRbxq
`wjjvw`mn gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wefv‡M †cÖiY Ki‡e

✓e¨vsK m‡›`nRbK †jb‡`b/Kvh©µg cÖwZ‡e`b Gi Z_¨vw` weGdAvBBD KZ©„K cieZ©x wb‡`©kbv bv †`qv ch©šÍ msiÿY Ki‡e;

✓e¨vsK m‡›`nRbK †jb‡`b/Kvh©µg kbv³ I wi‡cvU© Kivi †ÿ‡Î weGdAvBBD KZ©„K RvixK…Z Guidance on Reporting Suspicious
Transaction Gi wb‡`©kbv AbymiY Ki‡e|
Red Flags indicators of Suspicious Transaction or Suspicious Activities
1. Significant mismatch with financial status of the customer
2. Fake documents & false information submitted by the customer
3. Customer is reluctant to provide documents
4. Frequent cash transaction not aligned with the business or, profession of the customer
5. Structuring
6. Pay order & Demand Draft purchased or/and encashed without bona fide transaction
7. Cheque kitting and fraudulent activity related to financial instruments
8. Large number and amount of transaction with minimum balance
9. Sudden pay off of loan or, multiple number of unpaid installments
10. Account opened and transacted large amount in the name of non-earning members and close aides
11. Customer or beneficiary has link with terrorist activities or, terrorist financing or, sanctioned organization
12. Adverse media report against the customer or, beneficiary
13. Transaction or activities related to TBML/TF related trade financing
14. Transaction with high risk jurisdiction
15. Suspicious cross border inward/ outward transaction
16. Relationship with front company or Shell Company
17. Use of funds by the NGO/NPO/ Co-operative inconsistent with the purpose
18. An atypical incidence of pre-payment of insurance premiums
 10. mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A‡¯¿i we¯Ív‡i A_©vqb cÖwZ‡iva
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 c`‡ÿc MÖnY Ki‡e |
• UN -United Nations

• OFAC -Office of Foreign Assets Control

• EU -European Union

• HMT -Her Majesty Treasury

• BFIU -Bangladesh Financial Intelligence Unit

False Positive:
Means a situation whereby a freeze action is taken on the basis of available information and upon further
inquiry and receipt of additional clarifying information, such freeze action is determined not to be the
correct course of action. An example is a freeze action taken on the basis of mistaken identity (Source:
Guidance Notes for Prevention of Terrorist Financing and Financing of Proliferation of Weapons of Mass
Destruction).
Local Banned List Provided by BFIU
13| Ab¨vb¨
Money Laundering Prevention Act-2012
(Amendment-2015)
3
Safe Harbour Provision
Anti Terrorism Act-2009
(Amendment-2013)
 Circular/Circular Letter Number Topics Links in IFIC Insight
Circular No.22 Dated 21.04.2009 "Anti Terrorism Act, 2009" http://192.168.1.188/content/anti-terrorism-act-2009
Regarding "Money Laundering Prevention Act, 2012" and http://192.168.1.188/content/regarding-money-laundering-prevention-
Circular No.02 Dated 15.03.2012
Amendment of "Anti Terrorism Act, 2012" act-2012-and-amendment-anti-terrorism-act-2012
http://192.168.1.188/content/circular-letter-no-01bn-money-
Circular Letter No.01 Dated 30.01.2012 Money Laundering Prevention act 2012,24(1),formation of BFIU
laundering-prevention-act-2012241formation-bfiu
Circular No.07 Dated 14.07.2013 Anti Terrorism (Amendment) Act, 2013 http://192.168.1.188/content/anti-terrorism-amendment-act-2013
Money Laundering and Terrorist Financing Risk Assessment http://192.168.1.188/content/money-laundering-and-terrorist-
Circular Letter No.01 Dated 08.01.2015
Guidelines for Banking Sector financing-risk-assessment-guidelines-banking-sector
Circulation of Money Laundering Prevention Rules, 2013 and http://192.168.1.188/content/circulation-money-laundering-prevention-
Circular Letter No.03 Dated 09.04.2015
Anti Terrorism Rules, 2013 rules-2013-and-anti-terrorism-rules-2013
http://192.168.1.188/content/circulation-money-laundering-prevention-
Circular Letter No.06 Dated 08.12.2015 Circulation of Money Laundering Prevention (Amendment) Act, 2015
amendment-act-2015
Instructions to be followed for the compliance of Freezing Accounts of
http://192.168.1.188/content/instructions-be-followed-compliance-
Circular Letter No.01 Dated 11.02.2016 listed Individuals or Institutions and Other Issues under the Sanction List
freezing-accounts-listed-individuals-or-institutions-and
of Different Resolutions of United Nations Security Council
Instructions to be followed by the financial institutions for preserving http://192.168.1.188/content/instructions-be-followed-financial-
Circular Letter No.01 Dated 22.04.2018
secrecy of information. institutions-preserving-secrecy-information
Instructions regarding Exchange of Information among the reporting http://192.168.1.188/content/instructions-regarding-exchange-
Circular No.22 Dated 31.01.2019
organizations information-among-reporting-organizations
Instructions regarding Internal Control and Foreign Branches and http://192.168.1.188/content/instructions-regarding-internal-control-
Circular No.23 Dated 31.01.2019
Subsidiaries of "Financial Institution Group" and-foreign-branches-and-subsidiaries-financial
http://192.168.1.188/content/regarding-money-laundering-prevention-
Circular Letter No.01 Dated 24.02.2019 Regarding Money laundering Prevention Rules 2019
rules-2019
http://192.168.1.188/content/regarding-guidelines-prevention-trade-
Circular No.24 Dated 10.12.2019 Regarding Guidelines for Prevention of Trade Based Money Laundering
based-money-laundering
http://192.168.1.188/content/bfiu-circular-no-25bn-issuance-
Circular No.25 Dated 08.01.2020 Issuance of Guidelines on Electronic Know Your Customer (e-KYC)
guidelines-electronic-know-your-customer-e-kyc
Instructions to be followed by the schedule banks for prevention of http://192.168.1.188/content/bfiu-circular-no-26bninstructions-be-
Circular No.26 Dated 16.06.2020
money laundering, terrorist financing and proliferation financing followed-schedule-banks-prevention-money-laundering
 Topics Links in IFIC Insight
Anti Terrorism Rules-2013 http://192.168.1.188/content/anti-terrorism-rules-2013
Money Laundering Prevention Act-2012(amendment-2015) http://192.168.1.188/content/money-laundering-prevention-act-2012amendment-2015
Money Laundering Prevention Act-2012 http://192.168.1.188/content/money-laundering-prevention-act-2012
Money Laundering Prevention Rules-2019 http://192.168.1.188/content/money-laundering-prevention-rules-2019
Anti Terrorism Act-2009(Amendment-2013) http://192.168.1.188/content/anti-terrorism-act-2009amendment-2013
Anti Terrorism Act-2009(Amendment-2012) http://192.168.1.188/content/anti-terrorism-act-2009amendment-2012
Anti Terrorism Act-2009 http://192.168.1.188/content/anti-terrorism-act-2009-0

Topics Links in IFIC Insight

Guidance Notes on Politically Exposed Persons (PEPs) for all Reporting
http://192.168.1.188/content/guidance-notes-politically-exposed-persons-peps-all-reporting-organizations
Organizations
Guidance on Reporting Suspicious Transaction Report for The Reporting
http://192.168.1.188/content/guidance-reporting-suspicious-transaction-report-reporting-organization
Organization
Guidelines for Beneficial Owner http://192.168.1.188/content/guidelines-beneficial-owner

Topics Links in IFIC Insight

AML&CFTD Circulars http://192.168.1.188/circular

Topics Links in IFIC Insight

Customer Acceptance Policy 2013 (Amendment 2018) http://192.168.1.188/content/customer-acceptance-policy-2013-amendment-2018
ML&TF Risk Management Guidelines- 2016 (Amendment 2019) http://192.168.1.188/content/mltf-risk-management-guidelines-2016-amendment-2019
Guidelines for Prevention of Trade Based Money Laundering http://192.168.1.188/content/guidelines-prevention-trade-based-money-laundering
SOP for Guidelines for Prevention of Trade Based Money Laundering http://192.168.1.188/content/sop-guidelines-prevention-trade-based-money-laundering

Topics Links in IFIC Insight

Account Opening Forms http://192.168.1.188/content/download-account-opening-forms-aof

Topics Links in IFIC Insight

Customer Request Forms http://192.168.1.188/content/download-customer-request-form
 ???
THANK YOU ALL
William Chowdhury
Manager: Compliance & Reporting
AML & CFT Department
IFIC Bank Limited, Head Office, Dhaka
Mobile: +8801711703557
Email: [email protected]
PABX: +8809666716250; Ext:640