08/06/07
15:28
FAX
UNITEDSTATESDISTRICTCOURT
FOR
THESOUTHERNDISTRICTOFFLORIDA
141
002
FILED
by
CF
D,C.
a!:CTRONIC
AUG6,2007
CL.ARENctMADDOX
CLERK
U.S.
OIST.
CT.
S.D.
OF
FLA.'MIAMI
UNITED
STATES
OF
AMERICA,Plaintiff,
v.
AMERICAN
EXPRESS
BANK
INTERNATIONAL,Defendant,
)
~
07-20602-CR-ZLOCH/SNOW
)No._
)
)
)
).DEFERREDPROSECUTION)AGREEMENT
))
INFORMATION
THE
UNITEDSTATESOFAMERICA,ACTING
THROUGH
ITSATTORNEYS,CHARGES:
GENERAL
ALLEGATIONS
AtalltimesmaterialtothisInformation:1.DefendantAMERICANEXPRESS
BANK
INTERNATIONALisanEdgeActCorporation,headquarteredinMiami,Florida.2.DefendantAMERICANEXPRESS
BANK
INTERNATIONALissubjecttooversightandregulation
by
theBoard
of
Governors
of
theFederalReserve,byandthroughthe
Federal
Reserve
Bank
of
Atlanta
(FederalReserve).3.
The
Bank
SecrecyAct("BSA"),31U.S.C.
§
5311etseq.,anditsimplementingregulations,whichCongressenactedtoaddressanincreaseincriminal
money
launderingactivitiesutilizingfinancialinstitutions,requiredomesticbanks,insuredbanksandotherfinancialinstitutionstomaintainprogramsdesignedtodetectandreportsuspiciousactivitythat
might
beindicative
of
moneylaunderingandotherfinancialcrimes,andtomaintaincertainrecordsandfilereportsrelated
1
of3
08/06/07
15:28
FAX
[4J
003
Page
-2-theretothatareespeciallyuseful
in
criminal,taxorregulatoryinvestigationsorproceedings.4.
Pursuant
toTitle31,UnitedStatesCode"Section5318(h)(1)and12C.F.R.§
563.l77(c),DefendantAMERICAN
EXPRESS
BANK
INTERNATIONAL,wasrequiredtoestablishandmaintainananti-moneylaundering(AML)complianceprogramthat,ataminimum:.(a)
provided
internal
p ~ l i c i e s ,
procedures,andcontrolsdesignedtoguardagainst
money
laundering;
.'
(b)providedfor'anindividualorindividualstocoordinate
and
monitorday-to-daycompliance
with
the
BSA
and
AML
requirements;(c)
provided
foranongoingemployeetrainingprogram;and(d)
provided
forindependenttestingforcomplianceconducted
by
bank
personneloranoutsideparty.
COUNTl
From
in
oraboutApril24,2002,andcontinuinguntilonoraboutApril2004,theexactdates
beingunknown
totheUnitedStates,inMiami-DadeCounty,intheSouthernDistrict
of
Florida,andelsewhere,
the
defendant,
AMERICANEXPRESSBANKINTERNATIONAL
did
willfully
failtoestablishananti-moneylaunderingprogram,including,ataminimum,(a)
the
development
of
internalpolicies,procedures,and.controlsdesignedtoguardagainstmoneylaundering;(b)
the
designation
of
acomplianceofficertocoordinateandmonitorday-to-daycompliance
with
the
Bank
Secrecy
Act
andanti-moneylaunderingrequirements;(c)anongoingemployeetrainingprogram;and(d)independenttestingforcomplianceconductedbybank:
personnel
oranoutsideparty,
All
in
violation
of
Title31,UnitedStatesCode,Sections5318(a)(2),5318(h)(I),and5322.
VO/VO/VI
i ~ ; ~ O
~ & A
Page
-3-
RICHARD
WEBER,
CHIEF
ASSETFORFEITURE
AND
MONEY
LAUNDERINGSECTION
THOMAS
J.
PINDER
TRIALATTORNEYUSDC
No.A5501152AssetForfeiture
and
MoneyLaunderingSectionU.S.Department
of
Justice
Criminal
Division1400
New
York
Avenue,
NW
Washington,
DC
20530(202)514-1263
~ 0 0 4
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US Federal Reserve: 08-06-07amex-charge-agremnt
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