Related issues of Money Laundering

Prevention Act ,Tread base Money

Laundering & anti-terrorism act.

Presented by
Habiba Sultana
Senior Faculty
Member(AGM)
Bangladesh Krishi
Bank
Staff College
Related issues of Money Laundering Prevention Act

◎ KYC Shell Bank

◎ Beneficial Owner IPs
◎ CDD Trade based Money Laundering
◎ SCDD Offshore Banking
◎ Transaction Profile CTR STR
◎ EDD False Positive
◎ PEPs Capital Flight

2
-
MÖvnK cwiwPwZ
(Know Your Customer-KYC)

3
 MÖvnK cwiwPwZ (Know Your Customer--KYC)t
◎ gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb SzuwK e¨e¯’vcbvq MÖvn‡Ki cwiwPwZ
MÖnY I hvPvB cÖwµqvi ‡ÿ‡Î wb‡¤œv³ welqvejxi cwicvjb wbwðZ Ki‡Z n‡et
◎ (1) MÖvn‡Ki cwiwPwZi c~Y©v½ I mwVK Z_¨ msMÖn Ki‡Z n‡e| e¨vswKs e¨e¯’v
hv‡Z gvwbjÛvwis ev mš¿vmx Kv‡h© A_©vq‡bi SzuwKi m¤§yLxb bv nq Zv wbwðZ
Kivi Rb¨ e¨vsK‡K MÖvnK KZ©„K wnmve ‡Lvjvi D‡Ïk¨ m¤ú‡K© mg¨K aviYv Ges
MÖvnK cwiwPwZ m¤úwK©Z Z_¨ ev DcvË hvPvB cÖwµqv m¤úv`b Ki‡Z n‡e|
D‡jøL¨, Giƒ‡c c~Yv©½ I mwVK Z_¨ MÖnY ev msiÿ‡Yi ‡ÿ‡Î myweavRbK we‡ePbvq
AvaywbK cÖhyw³i e¨envi ev mnvqZv MÖnY Kiv hv‡e|
◎ (2) e¨w³ ev cÖvwZôvwbK wnmve avix MÖvn‡Ki ‡ÿ‡Î weGdAvBBD KZ©„K
RvixK„Z Awfbœ wnmve ‡Lvjvi di‡g (Uniform Account Opening Form) wb‡`©wkZ
cwiwPwZg~jK Z_¨ ev DcvË msMÖn I Dnvi mwVKZv hvPvB Ki‡Z n‡e|
◎ (3) hw` MÖvn‡Ki c‡ÿ Ab¨ ‡Kv‡bv e¨w³ wnmve cwiPvjbv K‡i ‡m‡ÿ‡Î D³ e¨w³
h_vh_fv‡e ÿgZvcÖvß wKbv Zv wbwðZ n‡q Zvi cwiwPwZi mwVK I c~Y©v½ Z_¨
msMÖn Ki‡Z n‡e |
4
◎ (4) Uªvw÷ I ‡ckv`vi ga¨¯’ZvKvix KZ©„K MÖvn‡Ki c‡ÿ cwiPvwjZ wnmv‡ei ‡ÿ‡Î
-

◎ MÖvn‡Ki msÁv

5
 gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb SzuwK e¨e¯’vcbvq MÖvnK
ej‡Z wb‡¤œv³ e¨w³ ev mËv‡K eySv‡e-
◎(1) e¨vs‡Ki mv‡_ wnmve msiÿY K‡i ev e¨emvwqK m¤úK© i‡q‡Q Ggb ‡h ‡Kv‡bv e¨w³ ev mËv;

◎(2) e¨vsK wnmve ev e¨emvwqK m¤ú‡K©i cÖK„Z myweav‡fvMx (Beneficial Owner); cÖZ¨ÿ ev c‡ivÿfv‡e
hvi c‡ÿ wnmve cwiPvwjZ nq;

◎(3) we`¨gvb AvBbx KvVv‡gvi AvIZvq ‡Kv‡bv wnmveavix, Uªv÷ ev ‡jb‡`‡bi cÖK„Z myweav‡fvMxi
wnmve cwiPvjbvi Rb¨ wbhy³ ‡Kv‡bv ‡ckv`vi ga¨¯’ZvKvix (AvBbRxex, AvBb civgk©K cÖwZôvb,
PvU©vW© G¨vKvD‡›U›U BZ¨vw`); Ges

◎(4) ‡Kv‡bv e¨w³ ev mËv KZ©„K GKK ‡jb‡`‡b msNwUZ AwaK g~‡j¨i Occasional Transaction ev
cÖwZôv‡bi mybvg Ges Ab¨ ‡Kvb SzuwK m„wó Ki‡Z cv‡i Ggb Avw_©K ‡jb‡`‡bi ‡ÿ‡Î mswkøó e¨w³ ev
mËv|

◎(5) weGdAvBBD KZ©„K mgq mgq msÁvwqZ e¨w³ ev mËv|

-◎ wb‡¤oev³ d‡Uvhy³ AvBwWmg~n MªvnK
mbv³Ki‡Y ¸iæZ¡c~Y© f~wgKv ivL‡Z cv‡it
◎ *‰ea I Pjgvb cvm‡cvU©
◎ * ‰ea WªvBwfs jvB‡mÝ
◎ * RvZxq cwiPqcÎ
◎ * PvKwi`vZv cÖwZôvb KZ©„K Bmy¨K…Z
PvKwiRxexi Qwe I ¯^vÿi m¤^wjZ AvBW
KvW©|
◎ mbv
7
-◎ MÖvn‡Ki wVKvbv hvPvB‡qi Rb¨ wb‡¤oev³ c`‡ÿcmg~n
MÖnY Kiv †h‡Z cv‡it
◎  AbjvB‡b RvZxq cwiPqcÎ hvPvB
◎  e¨vsK Awdwmqvj KZ„K© mkix‡i hvPvB
◎  ab¨ev` Ávcb K‡i WvK wefv‡Mi gva¨‡g A_ev
Kzwiqv‡ii gva¨‡g †cÖwiZ c‡Îi cÖvwß ¯^vÿihy³ iwk`;
◎  e¨vs‡Ki Kv‡Q Lye cwiwPZ I MÖnY‡hvM¨ †Kvb e¨w³i
gva¨‡g hvPvB
◎  MÖvn‡Ki wVKvbvq ‡cÖwiZ BDwUwjwU wej (03
gv‡mi †ekx c~‡e© bq)
◎  ‡Uwj‡dvb wb‡`©wkKv, K¬ve msMV‡bi m`m¨ c` 8
◎ MÖvn‡Ki A‡_©i Drm hvPv‡qi †ÿ‡Î wb‡¤oev³ `wjjvw`mg~n MÖnY Kiv
- ‡h‡Z cv‡it
◎  PvKwiRxwe‡`i †ÿ‡Î †eZ‡bi mb`
◎  PvKwiRxwe‡`i †ÿ‡Î PvKwi`vZv cÖwZôvb KZ©„K Bmy¨K…Z cwiPqcÎ
◎  AvqKi mb`cÎ I wiUv‡b©i Kwc
◎  e¨emvwqK †ÿ‡Î †UªW jvB‡mÝ (hw` †m wb‡R‡K e¨emvqx wnmv‡e
†Nvlbv †`q)
◎  m¤úwËi wewμi cÖgvYcÎ
◎  GdwWAvi bM`vq‡bi cÖgvYcÎ
◎  wiUvqvi‡g›U myweav cÖvwßi cÖgvYcÎ
◎  d‡ib †iwg‡UÝ cÖvwßi cÖgvYcÎ
◎  e¨vsK F‡Yi cÖgvbcÎ (cÖ‡hvR¨ †ÿ‡Î)
◎  cvwievwiK Ab¨vb¨ Avq (†hgbt K…wl Lvgvi, fvov, ¯^vgx/¯¿x ev
myweav‡fvMxi Avq, cvwievwiK
9
 MÖvnK m¤úwK©Z mZK©Zvg~jK e¨e¯’v CDD
Customer Due Diligence –
ej‡Z wbf©i‡hvM¨ I ¯^vaxb Drm n‡Z cÖvß Z_¨,
DcvË I `wjjvw`i wfwˇZ MÖvn‡Ki cwiwPwZ
wbwðZKiY, msM„nxZ cwiwPwZg~jK Z_¨ ev
Dcv‡Ëi mwVKZv Ges A‡_©i Drm hvPvBKiYmn
wnmv‡ei cwiwPwZg~jK Z_¨ ev DcvË I ‡jb‡`b
wbqwgZfv‡e (On-going) gwbUwis Kiv‡K eySv‡e|
D‡jøL¨ ‡h, MÖvn‡Ki h_vh_ cwiwPwZ MÖnY I
hvPvBKiY (KYC), CDD cÖwµqvi GKwU Ask|
 MÖvnK mswkøó SzuwK we‡ePbvq wb‡¤œewY©Z wewfbœ
ch©v‡q CDD m¤úv`b Ki‡Z n‡e-
◎ (1) MÖvn‡Ki mv‡_ m¤úK© ¯’vc‡bi mgq;

◎ (2) hLb m‡›`n Kivi h‡_ó KviY _vK‡e ‡h BZtc~‡e© MÖvn‡Ki cwiwPwZi wbwg‡Ë ‡h
Z_¨ ev `wjjvw` msMÖn Kiv n‡q‡Q Zv ch©vß ev mwVK bq; Ges

◎ (3) MÖvn‡Ki cwiwPwZ Ges e¨vs‡Ki mv‡_ m¤úK© ¯’vc‡bi AšÍwb©wnZ D‡Ïk¨
m¤ú‡K© wbwðZ nIqvi Rb¨ e¨vsK Zv‡`i mš‘wó mv‡c‡ÿ ch©vß Z_¨ msMÖn Ki‡e|
D‡jøL¨, e¨vsK KZ©„K m¤úvw`Z Av‡jvP¨ CDD Kvh©µg wbqwgZfv‡e (On-going)
ch©v‡jvPbv Ki‡Z n‡e|

◎ (4) cÖwZwU wnmv‡ei cÖK„Z myweav‡fvMx (Beneficial Owner) mbv³ Ki‡Z n‡e|
G‡ÿ‡Î e¨vs‡Ki mš‘wó mv‡c‡ÿ ¯^vaxb I wbf©i‡hvM¨ m~Î n‡Z msM„nxZ Z‡_¨i
wnmv‡ei cÖK…Z myweav‡fvMxÕi cwiwPwZ wbwðZ Ki‡Z n‡e :
11
-

◎- wnmv‡ei cÖK„Z
myweav‡fvMx
(Beneficial Owner)
 wb‡¤œv³ ‡¶‡Î
wnmv‡ei cÖK…Z myweav‡fvMxÕi cwiwPwZ
wbwðZ Ki‡Z n‡e
SND Savings Current

• 500/- • 10,001- above • 300/-

10,00,000
• Closing charge • 100/-, 200/-, • Closing charge
300/- 250/-, 300/-. 300/-

• Closing charge
200/-

13
wnmv‡ei cÖK…Z myweav‡fvMx

◎ ‡Kv¤úvbxi ‡ÿ‡Î wnmv‡ei cÖK„Z myweav‡fvMxi

cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn I msiÿY
Ki‡Z n‡e; G‡ÿ‡Î, whwb/hv‡`i D³ ‡Kv¤úvbxi Dci
wbqš¿Y‡hvM¨ ¯^v_© (Controlling/ownership,interest)
i‡q‡Q, wZwb/Zviv wnmv‡ei cÖK„Z myweav‡fvMx e‡j
we‡ewPZ n‡eb|

◎ ‡Kv‡bv e¨w³ (Natural Person) wPwýZ Kiv m¤¢e bv n‡j

cÖavb wbev©nx Kg©KZ©vi cwiwPwZi mwVK I
c~Y©v½ Z_¨ msMÖn I msiÿY Ki‡Z n‡e| 14
MÖvnK m¤úwK©Z mnRZi mZK©Zvg~jK e¨e¯’v

Simplified Customer
Due Diligence
MÖvnK m¤úwK©Z mnRZi mZK©Zvg~jK e¨e¯’v (Simplified
Customer Due Diligence):

◎ (K) IqvK-Bb-Kv÷gvi (Walk-in Customer) KZ©„K Abya© 50,000/-

(cÂvk nvRvi) UvKv ‡jb‡`‡bi ‡ÿ‡Î ‡cÖiYKvix/Av‡e`bKvix I
cÖvcK/‡ewbwdwmqvixi bvg I wVKvbv Ges
‡cÖiYKvix/Av‡e`bKvixi ‡Uwj‡dvb b¤^i msMÖn Ki‡Z n‡e|
◎ (L) Dc‡iv³ Aby‡”Q‡` ewY©Z ‡jb‡`b 50,000/-(cÂvk nvRvi) Gi
AwaK ev 5,00,000/- (cvuP jÿ) Gi bx‡P n‡j ewY©Z Z_¨vw`i
cvkvcvwk ‡cÖiYKvix ev Av‡e`bKvix ev RgvKvix ev
D‡ËvjbKvixi Qwehy³ AvBwW msMÖn Ki‡Z n‡e|
◎ (M) Avw_©K AšÍ©fyw³i (Financial Inclusion) D‡Ï‡k¨
wb¤œSzuwK m¤úbœ wnmve ‡Lvjv ev cwiPvjbvi ‡ÿ‡Î (¯‹zj Qv‡Îi
wnmve, K„l‡Ki wnmve Ges Ab¨vb¨ No-Frill Account) MÖvnK
m¤úwK©Z mnRZi mZK©Zvg~jK e¨e¯’v MÖnY Kiv hv‡e|
16
-

CDD m¤úv`b Kiv m¤

¢e bv n‡j e¨vs‡Ki
KiYxq
 CDD m¤úv`b Kiv m¤¢e bv n‡j e¨vs‡Ki KiYxq

◎ MÖvn‡Ki Amn‡hvwMZvc~Y© AvPi‡Yi Kvi‡Y A_ev MÖvn‡Ki wel‡q

msM„nxZ Z_¨/DcvË wbf©i‡hvM¨ bv n‡j A_©vr MÖvnK cwiwPwZi
m‡šÍvlRbK Z_¨ cÖvwß Ges Zv hvPvB mv‡c‡ÿ CDD m¤úv`b Kiv m¤¢e bv
n‡j e¨vsK wb¤œiƒ‡c e¨e¯’v MÖnY Ki‡et
◎ (1) e¨vsK Giƒc MÖvn‡Ki wnmve Lyj‡e bv ev ‡jb‡`b Ki‡e bv A_ev cÖ‡qvR‡b
we`¨gvb wnmve eÜ K‡i w`‡e;
◎ (2) we`¨gvb Giæc wnmve eÜ Kivi ‡ÿ‡Î EaŸ©Zb Kg©KZ©vi Aby‡gv`b
MÖnY Ki‡Z n‡e Ges wnmve eÜ Kivi c~‡e© wnmve eÜKi‡Yi KviY
e¨vL¨vc~e©K MÖvnK‡K ‡bvwUk cÖ`vb Ki‡Z n‡e;
◎ (3) kvLv Dchy©³ wnmve bv ‡Lvjv ev eÜ Kiv msµvšÍ Z_¨ msiÿYc~e©K
gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iva wWwfkb/wefv‡M ‡cÖiY Ki‡e|
cÖ‡qvR‡b gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iva wefvM/wWwfkb Gme
18
Z_¨ Ab¨vb¨ mKj kvLvi AeMwZ‡Z Avb‡e; Ges
MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK e¨e¯’v

Enhanced Due
Diligence--EDD
 MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK e¨e¯’v (Enhanced Due
Diligence--EDD)t

◎ e¨vsKKZ©„K wbiƒwcZ D”P SzuwK m¤úbœ (High Risk) MÖvn‡Ki ‡ÿ‡Î

wb¤œiƒ‡c MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK e¨e¯’v ev EDD
MÖnY Ki‡Z n‡et
◎ (1) wbi‡cÿ I wbf©i‡hvM¨ Drm (Independent and reliable sources) ‡_‡K
MÖvnK cwiwPwZ m¤úwK©Z AwZwi³ Z_¨vw` msMÖn Ki‡Z n‡e;
◎ (2) wnmve ‡Lvjvi D‡Ïk¨, wnmv‡ei A_© ev m¤ú‡`i Drm Rvbvi Rb¨ AwaKZi
e¨e¯’v MÖnY Ki‡Z n‡e;
◎ (3) cÖ‡hvR¨‡ÿ‡Î, e¨vs‡Ki cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb
Kg©KZv©i Aby‡gv`b MÖnY; Ges
◎ (4) Zv‡`i wnmv‡ei ‡jb‡`b wbqwgZfv‡e AwaKZi gwbUi Ki‡Z n‡e|

20
-

(Politically Exposed
Persons --PEPs)
Foreign PEPs

◎ Òindividuals who are or have been entrusted with

prominent public functions by a foreign country,
for example Heads of State or of government,
senior politicians, senior government, judicial or
military officials, senior executives of state owned
corporations, important political party officialsÓ
 cwjwUK¨vwj G·‡cvRW cvm©b (Politically Exposed Persons --
PEPs) Gi †ÿ‡Î KiYxqt
◎ PEPs Gi wnmve ‡Lvjv I cwiPvjbvq cÖ‡hvR¨ ‡ÿ‡Î ewY©Z wb‡`©kbv
Abymi‡Yi cvkvcvwk wb‡¤œ ewY©Z e¨e¯’vw` MÖnY Ki‡Z n‡e :
◎ (1) e¨vsK‡K Zv‡`i MÖvnK ev wnmv‡ei cÖK…Z myweav‡fvMx PEPs
wKbv Zv wbav©iY Kivi Rb¨ Dchy³ c×wZ MÖnY (‡hgbt Db¥y³ Z‡_¨i Drm,
wewfbœ WvUv‡eR e¨envi BZ¨vw`) Ki‡Z n‡e;
◎ (2) PEPs Gi mv‡_ e¨emvwqK m¤úK© ¯’vcb ev we`¨gvb m¤úK© Ae¨vnZ
ivLvi ‡ÿ‡Î e¨vs‡Ki cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©vi
Aby‡gv`b wb‡Z n‡e;
◎ (3) GQvovI MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK e¨e¯’v MªnY
Ki‡Z n‡e; Ges
◎ (4) PEPs Gi cwiev‡ii m`m¨ I Zv‡`i mv‡_ wbweofv‡e m¤úwK©Z e¨w³i
(close associates) ‡ÿ‡ÎI Dc‡i DwjøwLZ wb‡`©kbvmg~n cÖ‡hvR¨ n‡e| G
Aby‡”Q‡` DwjøwLZ Ô PEPsÕ wn‡m‡e ‡Kv‡bv ga¨g ev Aat¯Íb (Middle 23
 The following individuals of other foreign countries
must always be classed as PEPs:
a) heads and deputy heads of state or g)Judges of supreme courts, constitutional
government; courts or other high-level judicial bodies
b) senior members of ruling party; whose decisions are not subject to further
c) ministers, deputy ministers and appeal, except in exceptional
assistant ministers; circumstances;
d) members of parliament and /or
national legislatures; i) heads of the armed forces, other
e) members of the governing bodies of high ranking members of the
major political parties; armed forces and heads of the
intelligence services;

j) heads of state-owned enterprise;

24
cÖfvekvjx e¨w³
(Influential Persons : IPs)/Domestic PEPs

◎ Individuals who are or have been entrusted

with prominent public functions Domestically ,
for example Heads of State or of government,
senior politicians, senior government, judicial
or military officials, senior executives of state
owned corporations, important political party
officials Ó
 The following individuals must always be classed as
Influential persons:
a) heads and deputy heads of state or e) members of the governing bodies of
government; major political parties;

b) senior members of ruling party; f) Senior secretary, Secretary, Additional

c) ministers, state ministers and deputy
ministers;
d) members of parliament and /or
national legislatures;
secretary, joint secretary in the ministries.
g)Judges of supreme courts,
constitutional courts or other high-level
judicial bodies whose decisions are not
subject to further appeal, except in
exceptional circumstances;

26
 The following individuals must always be
classed as Influential persons:
h) governors, deputy i) heads of the armed
governors, executive forces, other high ranking
directors and general members of the armed
managers of central forces and heads of the
bank; intelligence services;

j) heads of state-owned L) ambassadors,

enterprise;
charges d’affaires or
k) members of the
governing bodies of local other senior
AvšÍR©vwZK ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©vi

◎ Òpersons who are or have been entrusted with a

prominent function by an international
organization refers to members of senior
management, i.e. directors, deputy directors and
members of the board or equivalent functionsÓ
-

◎CTR

29
 STR,SAR
◎ hv ¯^vfvweK †jb‡`‡bi aiY n‡Z wfbœ;
◎ ‡h †jb‡`b m¤ú‡K© Giƒc aviYv nq †h ,
1. GwU †Kvb Aciva n‡Z AwR©Z m¤ú`
2. GwU †Kvb mš¿vmx Kv‡h©, †Kvb mš¿vmx
msMVb‡K ev †Kvb mš¿vmx‡K A_©vqb
3. 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
30
aviv-23t weGdAvBBD-Gi ÿgZv (kvw¯Í I Rwigvbv)
†Kvb wi‡cvU© cÖ`vbKvix
ms¯’v †Kvb hvwPZ Z_¨ h_v
mg‡q mieivn Kwi‡Z e¨_©
‡Kvb Ges
nB‡j- wi‡cvU© cÖ`vbKvix
ms¯’v GB AvB‡bi AvIZvq
RvixK…Z †Kvb wb‡`©kbv
cwicvj‡b
cÖwZw`be¨_10 ©nB‡j-
nvRvi UvKv
wnmv‡e m‡e©v”P 5 jÿ UvKv
ch©šÍ Rwigvbv Kiv hv‡e|
‡Kvb wi‡cvU©
aviv-23t cÖ`vbKvix
weGdAvBBD-Gi ÿgZvms¯’v
(kvw¯Í I Rwigvbv)
hvwPZ †Kvb wel‡q †Kvb fyj ev wg_¨v
Z_¨ ev weeiYx mieivn Kwi‡j Ab~¨b 20
nvRvi UvKv I m‡e©v”P 5 jÿ UvKv
1 A_© Rwigvbv
ch©šÍ erm‡i 3 ev‡ii
Kiv AwaK
hv‡e Rwigvbvi
mb¥~Lxb n‡j D³ ms¯’v ev ms¯’vi
†Kvb kvLv, mvwf©m †m›Uvi, ey_ ev
G‡R‡›Ui wbeÜb ev jvB‡mÝ ¯’wMZ
Kiv hv‡e
jvB‡mÝ cÖ`vbKvix KZ…©cÿ‡K D³
ms¯’vi weiæ‡× h_vh_ e¨e¯’v MÖn‡Yi
Rb¨ welqwU AewnZ Kwi‡e|
 †Kvb wi‡cvU©
-
cÖ`vbKvix ms¯’v •Ab~¨b D³ e¨vsK wnmv‡e w¯’wZi mgcwigvY
weGdAvBBD-Gi †Kvb Rwigvbv Kwi‡Z cvwi‡e hvnv wb‡`©kbv Rvixi
ZvwiL wnmv‡e w¯’wZi wظ‡Yi AwaK nB‡e bv|
Aeiæ× ev ¯’wMZ Av‡`k
cwicvj‡b e¨_© nB‡j

Av‡ivwcZ Rwigvbv
†Kvb e¨w³ ev mËv ev •. evsjv‡`k e¨vsK weGdAvBBD KZ©„K AewnZ n‡q mswkøó e¨w³ ev mËv
ev wi‡cvU© cÖ`vbKvix ms¯’vi wbR bv‡g †h †Kvb e¨vsK ev Avw_©K
wi‡cvU© cÖ`vbKvix cÖwZôvb ev evsjv‡`k e¨vs‡K cwiPvwjZ wnmve weKjbc~e©K Av`vq Kwi‡e
•G‡ÿ‡Î Rwigvbvi †Kvb Ask Abv`vqx _vK‡j Zv Av`v‡q cÖ‡qvR‡b

ms¯’v cÖ`v‡b e¨_© weGdAvBBD Av`vj‡Z Av‡e`b Kwi‡Z cvwi‡e

nB‡j|
 Related issues of Money Laundering
Prevention Act

High Cost Deposit

Low Cost Deposit
(rate of interest)
(rate of interest)
• SND-3.50%-3.75%-4% • All FDR
• CD-0% • All Deposit Scheme- 6%
• SB-3.5% and above 6%

34
According the GFI report, Bangladesh ranked 26th in
 gvwb jÛvwis
cÖwZ‡iv‡a e¨vs‡Ki
kvLvq KiYxq-
gvwb jÛvwis cÖwZ‡iva wel‡q Kg©KZ©v/
kvLv cwicvjb BDwbU Kg©Pvix‡`i Ávb

MÖvnK GwcÖj,2002 Gi c~‡e©

†Lvjv wnmvemg~‡ni KYC
fvmgvb MÖvnK (Walk on/One off
cwiwPwZ -KYC Procedures m¤úbœKiY| customer)
 -
†jb‡`‡bi AbywgZ gvÎv (TP) bM` †jb‡`b wi‡cvU©(CTR) `vwLiKiY m‡›`nRbK †jb‡`b wi‡cvU© (STR)

¯^ - wba©viYx (Self Independent Testing

Structuring mbv³KiY|
Assessment) Procedures

PEP`s, cÖfvekvjx e¨w³ Ges

MYgva¨‡g cÖKvwkZ Z_¨ CCCGi eive‡i weeiY `vwLj
K‡imc‡Û›U e¨vswKs
 †iKW© msi¶Y

gvwbjÛvwis cÖwZ‡iva AvB‡b †Kvb

wnmve eÜ nIqvi ZvwiL n‡Z Dnvi Z_¨ I
WKz‡g›Umg~n by¨bZg 5 eQi msi¶Y
Ki‡Z n‡e|
†iKW©/Z_¨ msi¶Y Ges Da©Zb KZ©„c‡¶i Pvwn`v †gvZv‡eK Dnv
mieiv‡ni wbwg‡Ë bw_/ dvBj¸‡jv Avjv`vfv‡e msi¶Y wbwðZ Ki‡Z n‡e 1) GGgGj msµvšÍ evsjv‡`k e¨vs‡Ki mvKz©jvi;
t-

2) evsjv‡`k K…wl e¨vs‡Ki CCCGi 3) gvwbjÛvwis I mš¿vmx 4) kvLvi BAMLCO Gi wb‡qvMcÎ/Awdm

wb‡`©kbv/MvBWjvBbm BZ¨vw` Kv‡h© A_©vqb cÖwZ‡iva
welqK dvBj; msµvšÍ cÖwk¶Y; AW©vi;
 †iKW© msi¶Y

5) wi‡cwU©s Awdm‡ii
wb‡qvMcÎ/ Awdm AW©vi;
6) gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb
7) bM` †jb‡`b wi‡cvU© (CTR ) msµvšÍ dvBj;
cÖwZ‡iva msµvšÍ ˆÎgv‡mK mfv;

8) A¯^vfvweK/m‡›`nRbK †jb‡`b 9) KYC Procedure m¤úbœKiY (30-04-2002

Zvwi‡Li c~‡e© †Lvjv wnmvemg~‡ni- myß
10) TP I KYC nvjbvMv`KiY
wi‡cvU© (STR) m¤úwK©Z dvBj; wnmv‡ei) m¤úwK©Z; (Avc‡MÖW)/gwbUwis;
 12) 13)
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15. Sanction
14. PEPs & IP
Screening msµvšÍ
msµvšÍ dvBj;
dvBj;

17. High Risk

16. False Positive
Customer msµvšÍ
msµvšÍ dvBj;
dvBj
Thank you

42