MIRAS ACADEMY

;DklQ z'l4s/0f -dgL nfpG8l/Ë_ lgjf/0f P]g, @)^$

!= sfnf] wgnfO{ z'4 / j}w agfpg] sfo{nfO{ s] elgG5 <
cj}w d'b|f lgd}nLs/0f
@= cj}w d'b|fnfO{ j}w ?kdf jf unt sf/f]jf/af6 cflh{t /sdnfO{ sfg'gL ?kdf k|fKt ePsf] b]vfpg] k|s[ofnfO{
s] elgG5 <
;DklQm z'l4s/0f
#= ljZjdf dgL nfpG8l/Ë ;Fu ;DalGwt ljifodf lgu/fgL /fVg] ;jf]{Rr lgsfo s'g xf] <
ljQLo sf/jfxL sfo{bn (FATF)
$= g]kfndf dgL nfpG8l/Ë ;Fu ;Dalwt ljifodf lgu/fgL /fVg] ;jf]{Rr lgsfo s'g xf] <
;DklQ z'l4s/0f ljefu
%= g]kfnn] FATF sf] If]qLo ;+:yf ASIA Pacific Group on Money Laundering sf] ;b:otf slxn]
k|fKt u/]sf] xf] <
;g\ @))@
^= ;DklQ z'l4s/0f -dgL nfpG8l/Ë_ lgjf/0f P]g, @)^$ sf] k|dfl0fs/0f / k|sfzg slxn] ePsf] lyof] <
@)^$ df3 !$
&= ;DklQ z'l4s/0f -dgL nfpG8l/Ë_ lgjf/0f P]g, @)^$sf] klxnf] ;+zf]wg slxn] ePsf] lyof] <
@)^* h]7 !*
*= ;DklQ z'l4s/0f -dgL nfpG8l/Ë_ lgjf/0f P]g, @)^$ sf] bf]>f] ;+zf]wg slxn] ePsf] lyof] <
@)&) r}q !@
(= ;DklQ z'l4s/0f tyf cft+sjfbL lqmofsnfk ljQLo nufgL ;DaGwL s;'/ ;DklQ z'l4s/0f -dgL nfpG8l/Ë_
lgjf/0f P]g, @)^$sf] s'g kl/R5]bdf pNn]v ul/Psf] 5 <
kl/R5]b @
!)= ;DklQ z'l4s/0f -dgL nfpG8l/Ë_ lgjf/0f P]g, @)^$ df slt kl/R5]b /x]sf 5g\ <
*
!!= ;DklQ z'l4s/0f -dgL nfpG8l/Ë_ lgjf/0f P]g sf] sf] dfly nfu' x'g]5 <
;DklQ z'l4s/0f tyf cft+sjfbL lqmofsnfk ljQLo nufgL ;DaGwL s;'/ ug]{ g]kfnleq jf g]kfn aflx/
hxfF;'s} /x] a;]sf] JolQm
!@= ;DklQ z'l4s/0f -dgL nfpG8l/Ë_ lgjf/0f P]g cg';f/ æcGt/fli6«o ;+:yfsf] pRrkb:y JolQmÆ eGgfn]
s;nfO{ hgfpFb5 <
cGt/fli6«o ;+:yfsf] Joj:yfkgsf] pRr lhDd]jf/L kfPsf ;~rfns ;b:o, Joj:yfkg, lgb]{zs, pklgb]{zs
jf ;f] ;/xsf] lhDd]jf/L ePsf] jf kfPsf] JolQm
!#= ;DklQ z'l4s/0f -dgL nfpG8l/Ë_ lgjf/0f P]g, @)^$ cg';f/ æcft+ssf/L sfo{Æ eGgfn] s;nfO{ hgfpFb5
<
s= ;g\ !((( df ;DkGg ePsf] cft+sjfbdf ljQLo nufgLsf] bdg ;DaGwL dxf;lGw –OG6/g]zgn sGe]S;g
km/ b ;k|];g ckm kmfOgflG;Ë ckm 6]/f]l/Hd_ sf] wf/f @ sf] pkwf/f -!_ sf] v08 -s_ åf/f s;'/sf] ?kdf
kl/eflift s'g} sfo{,
v= ;Gbe{ tyf k|s[ltn] ;j{;fwf/0fnfO{ ql;t kfg]{ jf s'g} ;/sf/ jf cGt/fli6«o ;+u7gnfO{ s'g} sfo{ ug{
jf gug{ afWo t'Nofpg] p2]Zon] s'g} u}/;}lgs JolQm-l;eLlnog_ jf ;z:q åGbsf avt zq'tfk"0f{ sfo{df
;+nUg gePsf] JolQmsf] Hofg lng] jf c+ue+u ug]{ cGo s'g} sfo{,
u= g]kfn kIf ePsf b]xfosf dxf;lGw cGtu{t s;'/ dflgg] sfo{ ====
c= ;g\ !(^# df ;DkGg ePsf] jfo'ofgleq ePsf s;'/ tyf cGo s]xL sfo{ ;DaGwL 6f]lsof] dxf;lGw -
6f]lsof] sGe]G;g cg ckm]G;]h P08 ;6]{g cb/ PS6\; sld6]8 cg af]8{ Pc/qmfkm\6_,
cf= ;g\ !(*& df ;DkGg ePsf] cft+sjfbsf] bdg ;DaGwL ;fs{ If]qLo dxf;lGw-;fs{ l/hgn sGe]G;g
cg ;k|];g ckm 6]/f]l/Hd_
O= of] bkmf k|f/De eP kl5 cft+sjfbL sfd sf/jfxLsf] lj?4df g]kfn kIf ePsf] cGo s'g} dxf;lGw
!$= ;DklQ z'l4s/0f -dgL nfpG8l/Ë_ lgjf/0f P]g, @)^$ cg';f/ æs/]:kf]lG8Ë a}+lsËÆ eGgfn] s]nfO{ hgfpFb5
<
s'g} ljQLo ;+:yfn] cfkm\gf] u|fxsnfO{ csf]{ ljQLo ;+:yfdfkm{t a}+lsË ;]jf pknAw u/fpg] Joj:yf
!%= ;DklQ z'l4s/0f -dgL nfpG8l/Ë_ lgjf/0f P]g, @)^$ cg';f/ æsfg'gL k|aGwÆ eGgfn] s]nfO{ hgfpFb5 <
u'7L-PS;k|]; 6«i6_ jf o:t} k|s[ltsf cGo sfg"gL k|aGw
!^= ;DklQ z'l4s/0f -dgL nfpG8l/Ë_ lgjf/0f P]g, @)^$ cg';f/ ;DklQ z'l4s/0f tyf cft+sjfbL lqmofsnfk
ljQLo nufgL ug]{nfO{ s:tf] ;hfosf] Joj:yf ul/Psf] 5 <
lauf]sf] b]fAa/ hl/jfgf / s;"/sf] uDeLo{ x]/L @ jif{b]lv !) jif{;Dd s}b
!&= ;DklQ z'l4s/0f -dgL nfpG8l/Ë_ lgjf/0f P]g, @)^$ cg';f/ u}/ ljQLo k]zfsdL{ jf Joj;foL eGgfn]
s:tf] Joj;flonfO{ ;Demg'kb{5 <
Sofl;gf] jf OG6/g]6 Sofl;gf] Joj;foL
!*= æ;DklQ z'l4s/0f tyf cft+sjfbL lqmofsnfkdf ljQLo nufgL s;"/Æ AML Act sf] s'g kl/R5]bdf
lbOPsf] 5 <
@
!(= ;DklQ z'l4s/0f -dgL nfpG8l/Ë_ lgjf/0f P]g, @)^$ cg';f/ u}/sfg"gL >f]tnfO{ s] elgG5 <
Elicit origin
@)= ;DklQ z'l4s/0f ug]{ JolQmn] slt txdf ;DklQ z'l4s/0f ug]{ u/]sf] kfOG5 <
$
@!= ;DklQ z'l4s/0f ug]{ JolQmn] klxnf] txsdf s] ug]{ u/]sf] kfOG5 <
/sd /fVg] (Placement)
@@= ;DklQ z'l4s/0f ug]{ JolQmn] bf]>f] txdf s] ug]{ u/]sf] kfOG5 <
txsLs/0f ug]{ (Layering)
@#= ;DklQ z'l4s/0f ug]{ JolQmn] t]>f] txdf s] ug]{ u/]sf] kfOG5 <
PsLs[t / d"n k|jflxt ug]{ (Integration)
@$= u|fxssf] klxrfg tyf sf/f]af/ ;DaGwL Joj:yf ;DkQL z'l4s/0f lgjf/0f P]gsf] sltcf}+ kl/R5]bdf 5 <
#
@%= ;DkQL z'l4s/0f lgjf/0f P]g adf]lhd ljb]zL pRrkb:y JoQmLsf] klxrfg ;DaGwdf Jojf;flos ;DaGw
:yfkgf ug'{ clw sd{rf/Ln] s;sf] :jLs[lt lng'kb{5 <
;"rs ;+:yfsf] Joj:yfkg x]g]{ pRr clwsf/Lsf]
@^= ;DkQL z'l4s/0f lgjf/0f P]g, @)^$ cg';f/ slt /sd jf ;f] eGbf al9 /sdsf] jfo/ :yfgfGt/0f ;DaGwL
sfo{ ug]{ ljQLo ;+:yfn] pQm /sdsf] e'QmfgL lbFbf lxtflwsf/sf] ;xL klxrfg ug'{kg]{5 <
&%,)))
@&= ;DkQL z'l4s/0f lgjf/0f P]g, @)^$ cg';f/ jfo/ :yfgfGt/0f dfkm{t /sd jf d"No k7fpg], dfWodsf]
?kdf sfd ug]{ tyf e'QmfgL lbg] ljQLo ;+:yfn] jfo;/ :yfgfGt/0f ;DaGwL ;Dk"0f{ clwn]v tyf ljj/0f
sf/f]af/ ePsf] ldltn] sDtLdf slt ;'/lIft /fVg' kg]{5 <
% jif{
@*= ;DkQL z'l4s/0f lgjf/0f P]g, @)^$ cg';f/ u|fxs tyf jf:tljs wgLsf] klxrfg tyf ;Dk'li6 ;DaGwL
clwn]v slt jif{;Dd b'?:t ?kn] Jojl:yt tyf ;'/lIft /fVg' kg]{5 <
% jif{
@(= ;DkQL z'l4s/0f lgjf/0f P]g, @)^$ cg';f/ ;"rs ;+:yfn] z+sf:kb sf/f]af/ ;DaGwL k|ltj]bg slt lbgleq
sxfF a'emfpg'k5{ <
ljQLo hfgsf/L OsfO{, # lbg
#)= ;DkQL z'l4s/0f lgjf/0f P]g, @)^$ df ;"rs ;+:yfsf] lgodg tyf ;'kl/j]If0f ;DaGwL Joj:yf s'g
kl/R5]bdf lbOPsf] 5 <
#s
#!= ;DkQL z'l4s/0f lgjf/0f P]g, @)^$ adf]lhd lgodgsf/L lgsfon] P]gsf] kfngf gug]{ ;"rs ;+:yf nfO{
u/]sf] sf/afxL jf ;hfodf lrQ ga'em\g] ;"rs ;+:yfn] ======= ;DalGwt ====== ;dIf k'g/fj]bg lbg ;Sg]5
<
k}FtL; lbgleq, pRr cbfnt
#@= ;DkQL z'l4s/0f lgjf/0f P]g, @)^$ adf]lhd ;dGjo ;'ldlt tyf ljQLo hfgsf/L O{sfO ;daGwL Joj:yf
sltcf}+ kl/R5]b df lbOPsf] 5 <
$
##= ;DkQL z'l4s/0f lgjf/0f P]g, @)^$ adf]lhd /fli6«o ;dGjo ;ldlt df slt ;b:o x'G5g\ <
!)
#$ ;DkQL z'l4s/0f lgjf/0f P]g, @)^$ adf]lhd /fli6«o ;dGjo ;ldltsf] ;+of]hs sf] /xg] Joj:yf 5 <
Secretary, Office of PM and Cabinet Minister
#%= ;DkQL z'l4s/0f lgjf/0f P]g, @)^$ adf]lhd /fli6«o ;dGjo ;ldlt sf] ;b:o ;lrj sf] /xg] Joj:yf 5
<
k|d'v, ljQLo hfgsf/L OsfO{
#^= ;DkQL z'l4s/0f lgjf/0f P]g, @)^$ adf]lhd /fli6«o ;dGjo ;ldlt sf] ;lrjfnosf] ?kdf s'g sfof{non]
sfd ub{5 <
ljQLo hfsf/sL OsfO{
#&= ;DkQL z'l4s/0f lgjf/0f P]g, @)^$ adf]lhd /fli6«o ;dGjo ;ldltsf] a}7s ;DaGwL sfo{ljlw s;n]
lgwf{/0f ub{5 <
;ldlt cfkm}n]
#*= ;DkQL z'l4s/0f lgjf/0f P]g, @)^$ adf]lhd ;DklQ z'l2s/0f tyf cft+sjfbL lqmofsnfkdf ljQLo nufgL
;DaGwL s;"/ lgjf/0f ug]{ ;DaGwdf ckgfpg' kg]{ lgtL s;n] tof/ ub{5 <
ljQLo hfsf/L OsfO
#(= ;DkQL z'l4s/0f lgjf/0f P]g, @)^$ adf]lhd ;DklQ z'l2s/0f tyf cft+sjfbL lqmofsnfkdf ljQLo nufgL
;DaGwL /fli6«o tyf If]qut hf]lvd d"Nof+sg ;DaGwL sfo{sf] ;xhLs/0f tyf ;dGjo ug]{ / hf]lvd
Joj:yfkg tyf Go"gLs/0ffs nflu cfjZos cg';f/ sfof{Gjog ug{ g]kfn ;/sf/ ;dIf l;kmfl/; ug]{
lhDd]jf/L s;sf] xf] <
/fli6«o ;dGjo ;ldlt
$)= ljQLo hfgsf/L OsfO{sf] sfof{no sxfF /xG5 <
/fi6« a}+sdf
$!= ljQLo hfgsf/L OsfO{sf] k|d'vsf] lgo'lQm s;n] ub{5 <
/fi6« a}+ssf] ueg{/n]
$@= ljQLo hfgsf/L OsfO{sf] k|d'vsf] lgo'lQm x'g Go'gtd slt of]Uotf x'g'kb{5 <
/fi6« a}+ssf] k|yd >]0fLsf] clws[t
$#= ;DkQL z'l4s/0f lgjf/0f P]g adf]lhd ;DklQ z'l4s/0f cg';Gwfg ljefusf] :yfkgf P]gsf] sltcf}+ kl/R5]b
df 5 <
%
$$= ;DkQL z'l4s/0f lgjf/0f P]g adf]lhd ul/Psf] ;Ldf jf ;f] eGbf a9Lsf] sf/f]af/sf] ljj/0f k|fKt ug]{
clwsf/ s;nfO{ x'FG5 <
ljlQo hfsf/L OsfO{nfO{
$%= ;DkQL z'l4s/0f lgjf/0f P]g adf]lhd z+sf:kb sf/f]af/ ;DaGwL k|ltj]bg k|fKt ug]{ clwsf/ s;nfO{ x'G5
<
ljlQo hfsf/L OsfO
$^= ;DkQL z'l4s/0f lgjf/0f P]g adf]lhd s'g} JolQmn] Psd'i6 jf k6s k6s u/L /fi6« a}+sn] tf]s]sf] cjlwleq
;f]xL a}+sn] tf]lslbPsf] ;LdfeGbf al9 /sdsf] sf/f]af/ u/]df ;"rs ;+:yf tyf ;/sf/L lgsfon] To:tf]
sf/f]af/ ePsf] ldltn] ======= ljQLo hfgsf/L OsfO{nfO{ ;f] ;DaGwL hfgsf/L pknAw u/fpg' kg]{5 .
!% lbgleq
$&= ;DkQL z'l4s/0f lgjf/0f P]g adf]lhd cg';Gwfg ;DaGwL Joj:yf P]gsf] sltcf}+ kl/R5]bdf 5 <
^
$*= ;DkQL z'l4s/0f lgjf/0f P]g adf]lhd s'g} JolQmnfO{ ;DklQ z'l4s/0f tyf cft+sjfbL lqmofsnfk ljQLo
nufgL ;DaGwL s;"/sf] cg';Gwfgsf] nflu y'gfdf /fVbf af6sf] Dofb afx]s ======= cg';Gwfg clws[tn] d'2f
x]g]{ clwsf/L ;dIf pkl:yt u/fO{ To:tf] clwsf/Lsf] cg'dlt lnO{ y'gfdf /fVg' kg]{5 <
@$ 306f
$(= ;DkQL z'l4s/0f lgjf/0f P]g bkmf !& adf]lhd cg';Gwfg ;Gtf]ifhgs ?kdf eP jf gePsf] ljrf/ u/L
cg';Gwfg ;Gtf]ifhgs ?kdf eO/x]sf b]lvPdf Ps}k6s jf k6s k6s u/L lt; lbgdf ga9\g] u/L =======
y'gfdf /fVg cg'dlt lbg ;Sg]5 .
() lbg;Dd
%)=;DkQL z'l4s/0f lgjf/0f P]g adf]lhd cg';Gwfg clws[tn] s;sf] k|ToIf lgu/fgLdf ;DklQ z'l4s/0f tyf
cftsjfbL lqmofsnfk ljQLo nufgL ;DagwL s;"/sf] cg';Gwfg ug{ k|ToIf e'QmfgL k|ljlw tyf ;'/fsL
kl/rfng ug{ ;Sg]5 <
k|d'v, ;DkQL z'l4s/0f cg';Gwfg ljefu
%!= ;DkQL z'l4s/0f lgjf/0f P]g adf]lhd ;DklQ z'l4s/0f tyf cft+sjfbL lqmofsnfkdf ljlQo nufgL ;DaGwL
s;"/ d'2f bfo/ ug{ slt ;dosf] xbDofb nfUg]5 <
No Limit
%@= ;DkQL z'l4s/0f lgjf/0f P]g adf]lhd d'b|f tyf wf/s ljldg]o clwsf/kqsf] p4f]if0f ;DaGwL Joj:yf
P]gsf] sltcf}+ kl/R5]bdf lbOPsf] 5 <
^s
%#= ;DkQL z'l4s/0f lgjf/0f P]g adf]lhd ;DklQ tyf sf]if /f]Ssf ;DaGwL ljz]if Joj:yf P]gsf] sltcf}+
kl/R5]bdf lbOPsf] 5 <
^v
%$= ;DkQL z'l4s/0f lgjf/0f P]g kl/R5]b & df lbOPsf] b08 ;hfo ;DaGwL Joj:yfdf ;DklQ z'l4s/0f
;DaGwL s;"/ ug]{ JolQmnfO{ lauf]sf] bf]Aa/ hl/jfgf / s;"/sf] ufDeLo{ x]/L slt ;do s}b ;hfo x'g]
tf]lsPsf] 5 <
@ b]lv !) jif{ ;Dd