D)i s\ K(4 3 Y4\ N K<

nrioro MT E D
95L
r r rullll

subicd: as'iBment orBdnch antl Monsy Launderlns comDlbnm orhe. (BAMLco)

h @oplbn.e wiih Pan 13 O) (sal andPaE l.4orBFIU circularNo.le{l

a'e hereby ,$rgned a3 the BAMLco

TF& PF ofGnces around the BEDch

should havs L\e rollosinsmles and responsibilities:

(al haln^-davaMr coonrhn..frivirresl

ue.are aod ensure th4 cDD ls ha

endoreFopdyed
3, c esoize accounb applying askbtr
ldcDtiry Bencfi .ul oMer otun Acco
5- Update kDowledse continuoudy abd
poli.ies/suidelincs,cirfl'laEand instddloEcivsbyBn! mdAML&c
6 Ensure romal/rcftcshen vdnilgo r allEmpLoyes ofthc

(DBrr) cvery Mo yeaE (h.hoNe & Etnmrl a md whm reasaryl

En:ure that the uN searity coun. ccked properly throuch
$reening $ftwtrc Os.eoDsl be akins any intern loi,L

s, .19, dated septemb 17

9- sd Pflsons (PEPsl and

(rosl & ts'gh Rbk kourts;
Mainbin documents and rulords i

I(ep idrom*io! or'rdhn. ra&'b & xera.y reouni'and take prop

withdnml iiom these a.Touns :re
1Z ing to find out any unusual tansdion trhe smnch shall
e threshoE.rEn$djol)

Gl should bccxaminedatt}€ and ol d$iiabhthresholdsli

Rwiew clT to find outSTR/SARj enere thatallthe EmplorcsortheB!,
cpablctoidentlryanyDnlsu,ltEnsactionoranyatcmptotuDusual6ansadionJ
Ensurualltherequired information :d dmumo,tare $bmitedprcpedy
andanyfreeeorde.ornoppr)mentdderamimphnemedapprcprhblyi
trencet like .onuption,
bribery, drus harfickinsi sold :ntrgslbs" humn ft:fiickiD& kidmpping o' oL\er prediGte
ofienes and find oui any rclationsh

tw
16, EnsuE tn* record keepins n d o' e as per rhe requncmcDb or rsuiabry su ldelines;
1?, Ensure rfiat Bnn.h (both AD & non.aD) has esbblished proedures b proveit halor techiiques
of TEde 8,sed Money Launde.ins and Ledins Fmud or credit Based Morey huidennc @r,eE

1& Build ereparednes and preventlv. neasure aslirut the emcryins noDey l,nndenns/tenon*
finandnc thE,ts su.h lorisn teroh$ fiqhbE ryber threas, abuse or ies technoloBr
banktiA etcas per BFIU/Ho lnnludoi.
]q Excid n.esdy cmpmrion 10 BFlu/EB/rcc audirin$ection and 6kc
limely nitiqdion! Ad a liai$n and be avaihble b disu$ wilh rhe CCC,
or .h. BFIU maG6 penaininB to lhc AML/CFT funcrions of rhe Brnki
20 Rdiew AML/cFr Etins or BEn.h d,roush Independent restins Procdu. 0rP) mndmted by
Pmve nnnFofthe BFnch ulder &

2! Ensur. complkn.e and l6pl,"he enk edbyBFlumd/or

(3) lsidicB.Dollls&loDdir@

on monthlv brsisi Ensure L\at cTRr are pmperly sse$ed to trld ,ny susp
or.{erlv: oqaniue ouarterlv Me ely & suaesfully as

h,ppmpn e nan.er on halryearly ba31. aid

subnu to AML & CFT Divisioni The repoh nN refle.r he pidres or AML .onpliance
..dv,e!of theBankwiih.omDlet€obledlviryj
(,1 A$*sML&$nsksundnDRnchbusin*sthmushRlsKRxGIsrERasperML&rFRisk
As*smeni cuidelines of the B.nk and adopt apppprbte mitis:tion procss; (submit the
RhkRecistcrtoAML&0mDivislononye lybAir);
ti') catecorize Hish Risk cubmcts undd erbi! .nErb st by AM
yearly basis; updab die sish crdon€r Rcvle*
ned$rfron one ormP dm$
o-hpdd. pp-BrlU-qui'emenr hom hmp_o1r4

tcl ounc v Meedi! orrilMMlco:

BAMI-co shall inance AML & cFr ft s or the bran.h qu.frerly
mten ,fter Eviewins ih. .ompliane of the
and shall bke cfleciive nemures on the follouins
eyBrins a.6, rules and resulatloB, BFrUk instu.tioG on prevmting Morey Leunderrig &

b.?ng.tionMo'ibnnc
c Identification & reDodhs of suspi.los rENadios/adivitis
d. lmplenenbtior olresolutions of Unted N,iions sedrity council inc
e. selrAscsmentrelateda.tions

h Procrss or the deckions/rt.dnnendations orthe hs Auafrerly Meetins

i oth er contehpon ry Gsu es hichlichted by senior Mamgemmt ccc a

Besidee shilc fixi's Meting asendr, the BAMLCo shonh remin nindfrr) of conrehpoblr/ ML/TF
orturrune, BFIU instudions med c't, et.. The Mee ng wtll
on bv Rgculddr6nd oisoinc snpliame rcquireoent ag.h$
 while dn-bo:'nrng new cu*omes ip, BAMLco shall renain
s&hful .bout hrgh rftk .u$omeE^Nin6ss, pmdud & *nie!, n
d.lrv.ry .haniels, rbl pmne seosnp

€)
rine diredry b the M ager/BBn
skrlled rd ned L\e ,bove

lrlclAlNlrErolrAlAllla:rhe **",
"^*r "....6."!41e".-^,,",^

ML a cFr Ditisi a"bat ry chmte/na$ts oI DAMLco

Lanedirb bttit ha eEurc thsr BAMLco i'auu Bianed b! ccc||ithin an apprcpna@ in ttane

nade lot tt AML/cn ntts a stns ototkonpdqe ot Meudne htturc otk. BAMLco.

12) h ese aton! detuiery Funtl it r hiNetfwin 6yne the rck

olBAMLca afthe Rnneh ondtuke ne.a ryseqbde|2topanewlittbtth.osiqrneatintine.

"/f'
 D): 4\ IVA\E {A\ N

lor{c RrqorRED mR BAnLco

Be senior Levcl orficial of the BEnch erperienced in mre bankins opsEtion includinB cB,

in thc distlig AML/cFr ac6,

instudions ind $e Banrs om polrcres;
Have adeqmte d,ininson AML & cFT;
H ave the ab ili9 ror the aM L ftsponsibilrdd delesa bd io hth/her;

u eEbnd the AML/cFr rtk,nd salegMrd rhe Brnk

rroh anv serio$ consauence b mitiFe aMvcrr Rtk s wellj

> Moneyra{,leinsprhidoiad7i1trAneidmcnr20r(l:
IsD.cr'r efd€m€ to MI,PA2012 rlth relared .metrdn.trts, se. vn) @nntjon aftlonEr
Lolndsins); Ss-j/g, @epo'rtko us'nmLianl 54 a@ (stsphiow rnnedioA; eLl6,
tPrediee afde)t su a h t) Genmt Punishnut): 5t *2 (Respotsibita* aI R.ruhbi:
v!:a@\tobtishmnt al EFtUI s4 146\ (R.sparstbtktt* ofRo)i st laot (Pu,bhnmp Roll
} Ad'T.EonqA.L2009lAmendoe 2.j)&,0lrrl
lspecr.r Ff..en.e b Ar 200e wnn .€labd .bcndicnb: s4jn @ef ttan ofr.t tn)t
seJ@ennition afFkarciv olfemdlh); s{ *14 (Punbhhdt3p'tut rend:n/Fira int
aJ renisnl ss Js (A,thh d.s al Banqlod4h sonk/BFtu); set ti tR6pannbih.!.s af
pa/tunk): S4JZtEntitp\ nvatvco ud kn\t4)t
> Money bundenns Preventlon Rul.s 2019
t BllU Mscr(rrul,r^o rqdr"osepkrbe,l" r0l7
In. Dh,k s,-l' 'ntr.d
t odn;ppllcable rul6,nd Esulations

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