Microsoft Word - AML circular-24 Bangla.doc

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1 G Gg Gj mvkz jvi b ^i t 24 e e vcbv cwipvjk/cöavb wbe vnx Kg KZv evsjv ` k Kg iz mkj Zdwmjx e vsk I Avw_ K cöwzôvb gvwb jûvwis cöwz iva wefvm evsjv `k e vsk cöavb Kvh vjq, XvKv I qemvbu : ZvwiL t 19 dvêyb, gvp, 2010 gvwbjûvwis cöwz iva AvBb, 2009 Ges mš vm we ivax AvBb, 2009 Gi weavbvejx cwicvj b AbymiYxq wb ` kvejx gvwbjûvwis cöwz iva AvBb, 2009 Ges mš vm we ivax AvBb, 2009 Gi weavbvejx cwicvj b Zdwmjx e vsk I Avw_ K cöwzôvbmg~ ni Rb Abymibxq wbgœewy Z wb `k bvmg~n gvwbjûvwis cöwz iva AvBb, 2009 Gi 23 (1)(N) avivq Ges mš vm we ivax AvBb, 2009 Gi 15(1)(Q) avivq cö`ë ÿgzv e j Rvwi Kiv n jv 1. gvwbjûvwis Ges mš v m A_ vqb cöwz iva bxwzgvjv gvwb jûvwis cöwz iva wefv Mi 4 RyjvB, 2006 Zvwi Li c Îi cöwz Avcbv `i ` wó AvK lyc~k Rvbv bv hv Q h, gvwbjûvwis Ges mš v m A_ vqb cöwz iv a AvšÍR vwzk gvb`û, ` k we` gvb AvBb, wewa-weavb I evsjv `k e vs Ki wb ` kbvi mg ^ q cöwzwu e vsk I Avw_ K cöwzôv bi wbr ^ cwjwm g vbyqvj _vk e hv Zv `i evw Ae ww i±im/m ev P KwgwU KZ K Aby gvw`z n e e vsk I Avw_ K cöwzôvb mgq mgq Zv ch v jvpbv Ki e Ges evsjv `k e vsk KZ K RvwiK Z wb ` kbv h_vh_fv e cöwzcvjb Kiv n Q wkbv Zv wbwðz Ki e D jøl, welqwu mš vm we ivax AvBb, 2009 Gi 16(2) avivqi ewy Z i q Q 2. MÖvnK cwiwpwz gvwbjûvwis I mš v m A_ vqb cöwz iv a Ges Avw_ K LvZ K Gi SzuwK gy³ ivlvi Rb MÖvn Ki cwiwpwzi mwvk I c~y v½ Z_ msmön Kiv Ges Zv hvpvb Kiv Avek K MÖvnK K Rvbvi (KYC-Know Your Customer) GB cöwµqvq MÖvnK ej Z wb v³ e w³(em )/cöwzôvb K eysv et MÖvn Ki msáv e vsk ev Avw_ K cöwzôv bi mv _ Kvbiƒc wnmve msiÿy K i ev e vswks m úwk Z e emvwqk m úk i q Q Ggb h Kvb e w³ ev cöwzôvb; cök Z myweav fvmx Z Zxq Kvb e w³ ev cöwzôvb hvi c ÿ wnmve cwipvwjz n Q (Beneficial Owner); we` gvb AvBbx KvVv gvi AvIZvq Uªv I ckv`vi ga ZvKvix ( hgb, AvBbRxex/cÖwZôvb, PvU vw GKvD U v U BZ vw`) KZ K cwipvwjz wnmv ei Uªvw, ga ZvKvix ev jb ` bi cök Z myweav fvmx; Kvb e w³ ev cöwzôvb KZ K GKK jb ` b msnwuz AwaK g~ j i wwgvû WÖvdU, c AW vi, UwjMÖvwdK UªvÝdvi Bmÿ ev cöwzôv bi mybvg Ges Ab vb SzuwK m wó Ki Z cv i Ggb Avw_ K jb ` bi ÿ Î mswkøó e w³ ev cöwzôvb G ÿ Î mswkøó e w³ ev cöwzôv bi ^vfvwek jb `b Gi Zzjbvq Kvb jb `b A ^vfvwek cöwzqgvb n j Zv ÔAwaK g~ j iõ e j we ewpz n e 3. e vsk ev Avw_ K cöwzôvb hv Z MÖvn Ki B QvK Z ev Awb QvK Z Kvh Kjv ci gva g gvwbjûvwis ev mš v m A_ vq bi SzuwKi m ylxb bv nq Zv wbwðz Ki Z wb œewy Z wewfbœ ch v q Customer Due Diligence m úbœ Kivi Rb GB mvk yjv ii 1bs µwg K ewy Z gvwbjûvwis cöwz iva cwjwm g vbyqv j mywbw` ó wb ` kbv _vk e- MÖvn Ki mv _ m úk vc bi mgq we` gvb MÖvn Ki mv _ Avw_ K jb `b msnu bi mgq wnmveavix bq Ggb MÖvn Ki Aby iv a A_ vbvšíimn Ab vb mev cö`v bi ÿ Î Ges hlb m `n Kivi h _ó Kvib _vk e h B Zvc~ e MÖvn Ki cwiwpwzi mc ÿ h Z_ `wjj msmön Kiv n q Q Zv ch vß bq ev mwvk bq c ôv 1 / 4

2 3.1 MÖvn Ki cwiwpwz Ges cöwzôv bi mv _ m úk vc bi AšÍwb wnz D Ïk m ú K wbwðz niqvi Rb cö Z K cöwzôvb Zv `i mš wó mv c ÿ ch vß cwigvb Z_ msmön Ki e e vl vt ÒcÖwZôv bi mš wó mv c ÿó ej Z we` gvb wb ` kbvi Av jv K MÖvn Ki SuzwK we epbvq wb q cö qvrbxq Due Diligence MÖnY Kiv n q Q g g h_vh_ KZ c ÿi mšw ó AR b K eysv e 3.2 hw` MÖvn Ki c ÿ Ab Kvb e w³ wnmve cwipvjbv K i m ÿ Î D³ e w³ h_vh_fv e ÿgzv cövß wkbv Zv wbwðz n q Zvi cwiwpwzi mwvk I c~y v½ Z_ msmön Ki Z n e 3.3 Uªvw I ckv`vi ga ZvKvix ( hgb, AvBbRxex/cÖwZôvb, PvU vw GKvD U v U BZ vw`) KZ K cwipvwjz wnmv ei ÿ Î Zv `i AvBbMZ Ae vb ch v jvpbvc~e K h_v_ Zv wbiƒcy Ki Z n e 3.4 hme `k/aâj gvwb jûvwis cöwz iv ai AvšÍR vwzk gvb c~iy K iwb ( hgb dvbb vwýqvj GKkb Uv dv m i Ôbb- KvAcv iwus Kvw UªR GÛ UwiUwiRÕ ZvwjKvfy³ `k/aâj) mme ` ki Kvb e w³i (AvBbMZ cöwzwbwa, Avw_ K cöwzôvbmn h Kvb cöwzôvb) mv _ e emvwqk m úk vcb I ervq ivlv Ges jb `b m úv` bi ÿ Î AwZwi³ mzk Zv (EDD-Enhanced Due Diligence) Aej ^b Ki Z n e 3.5 wnmv ei cök Z myweav fvmx (Beneficial Owner) kbv³kiyc~e K cöwzôv bi mš wó mv c ÿ wbf i hvm m~î n Z msm nxz Z _ i wfwë Z Zvi cwiwpwz wbwðz Ki Z n e hw` Kvb MÖvnK Ab Kvb e w³i c ÿ wbr bv g wnmve cwipvjbv K i, m ÿ Î MÖvnK QvovI D³ e w³i cwiwpwzi mwvk I c~y v½ Z_ msmön I msiÿy Ki Z n e MÖvn Ki Controler ev Owner K kbv³ Ki Z n e Kv úvbxi ÿ Î wbqš YKvix kqvi nvìvi Ges 20% ev Gi AwaK GKK kqvi nvìvi K wnmv ei cök Z myweav fvmx we epbvq Zvi/Zv `i cwiwpwzi mwvk I c~y v½ Z_ msmön I msiÿy Ki Z n e 4. Politically Exposed Persons (PEPs) 25 m Þ ^i, 2007 Zvwi L RvixK Z G.Gg.Gj. mvk ~yjvi bs 14 G ewy Z Politically Exposed Persons (PEPs) m úwk Z wb ` kbvmg~n wbgœewy Z wb ` kbv Øviv cöwz vwcz n et Politically Exposed Persons (PEPs) Gi wnmve Lvjv Ges/A_ev cwipvjbvi ÿ Î AwaKZi mzk Zv (Enhanced Due Diligence) Aej ^b Ki Z n e Av jvp wb ` kbvq Individuals who are or have been entrusted with prominent public functions in 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 officials K PEPs wnmv e we epbv Ki Z n e D³ e w³m Yi cwiev ii m`m I wbkurb hv `i mv _ e emvwqk m ú K vcb Ki j e vs Ki mybvg SuywKi m ylxb n Z cv i Zv `i ÿ ÎI G m úwk Z wb `k bv cwicvjbxq n e PEPs Gi wnmve Lvjv I cwipvjbvi ÿ Î AwaKZi mzk Zv (EDD) Aej ^ bi wbwg Ë wb gœi wb ` kbvmg~n AbymiY Ki Z n e t K) PEPs Gi wnmve Lvjv I cwipvjbv msµvší SuywK mbv³ki Yi Rb GKwU SzuwK e e vcbv c wzi cöez b Ki Z n e; L) Zv `i mv _ e emvwqk m úk vc bi c~ e B cöwzôv bi D Zb Dchy³ KZ c ÿi Aby gv`b MÖnY Ki Z n e; M) Zv `i wnmv e jb `bk Z A_ ev m ú `i Drm Rvbvi Rb h _vchy³ e e v MÖnY Ki Z n e; N) Zv `i wnmv ei jb `b wbqwgzfv e gwbui Ki Z n e; Ges O) Guidelines for Foreign Exchange Transactions G DwjøwLZ Awbevmx `i wnmve Lvjv I cwipvjbv msµvší hvezxq wewaweavb h_vixwz cwicvjb Ki Z n e e emvwqk m úk vc bi ciezx Z MÖvnK PEPs wnmv e cwimwyz n j A_ev wnmv ei cök Z myweav fvmx KD PEPs n j D³ wnmv ei ÿ Î Dc iv³ wb ` kbvmg~n cö hvr n e 5. K imc Û U e vswks (Correspondent Banking) gvt jt cöt mvk ~yjvi bs 7 ZvwiL 14 AvMó, 2005 Ges G Gg Gj mvk ~yjvi bs 19 ZvwiL 14 AvMó, 2008 Gi 3(K) b ^i Aby Q ` ewy Z K imc Û U e vswks (Correspondent Banking) m úwk Z wb ` kbvmg~n wbgœewy Z wb ` kbv Øviv cöwz vwcz n et c ôv 2 / 4

3 5.1 GB mvk yjv ii D Ïk c~iyk í K imc Û U e vswks ej Z GK e vsk (K imc Û U) KZ K Ab e vsk K ( imc Û U) µwwu, ww cvwru, Kv jkkb, wk qvwis, c g U ev Abyiƒc Ab Kvb mevi wel q evsjv `k e vsk KZ K Aby gvw`z mev cö`vb K eysv bv n e 5.2 e vswks e e v hv Z gvwb jûvwis Gi D Ï k e eüz n Z bv cv i m Rb K imc Û U e vswks m úk vcb Ges Ae vnz ivlvi ÿ Î wb gœi wb ` kbvmg~n cwicvjbxq n e t K imc Û U e vswks mev cö`v bi c~ e cwiwkó-1 gvzv ek Z_ vw` msmönc~e K imc Û U e vs Ki e emvi cök wz m ú K wbwðz n q DaŸ Zb e e vcbvi Aby gv`b MÖnY Ki Z n e imc Û U e vskwu mswkøó KZ cÿ KZ K Kvh Kifv e Z`viK Kiv nq g g mš wó mv c ÿb KejgvÎ Kvb we `kx e vs Ki mv _ K imc Û U m úk vcb Kiv hv e ev ervq ivlv hv e Kvb Shell Bank Gi mv _ K imc Û U e vswks m úk vcb Kiv hv e bv ev ervq ivlv hv e bv [Shell Bank ej Z Hme e vsk K eysv e hv `i h ` k BbK c v i UW m ` k Kvb kvlv ev Kvh µg bb Ges Kvb wbqwš Z Avw_ K MÖæc (regulated financial group) Gi AvIZvf ³ bq] hme imc Û U e vsk Shell Bank Gi mv _ K imc Û U e vswks m úk vcb K i ev wnmve msiÿy K i ev mev cö`vb K i Zv `i mv _ Kvb K imc Û U e vswks m ú K vcb Kiv hv e bv ev ervq ivlv hv e bv hme `k/aâj gvwb jûvwis cöwz iv ai AvšÍR vwzk gvb c~iy K iwb ( hgb dvbb vwýqvj GKkb Uv dv m i Ôbb- KvAcv iwus Kvw UªR GÛ UwiUwiRÕ ZvwjKvf~³ `k/aâj) mme ` ki e vs Ki mv _ K imc Û U e vswks m úk ervq ivlvi e vcv i we kl mzk Zv Aej ^b Ki Z n e Ges G mkj ÿ Î EDD Gi cö qvrb n e Gme e vs Ki Beneficial Ownership Ges gvwb jûvwis cöwz iv a Zv `i bxwz I c wz m ú K we ÍvwiZ Z_ msmön Ki Z n e hme imc Û U e vsk Zv `i MÖvnK `i K e emv msµvší jb `b mivmwi K imc Û U GKvD U Gi gva g m úbœ Kivi my hvm cö`vb K i _v K (A_ vr Payable-through accounts) Zv `i e vcv i EDD Aej ^b Ki Z n e G mvkz jv i ewy Z wb ` kvejx we` gvb me K imc Û U e vswks m ú K i ÿ ÎI cö hvr n e Ges G wb ` kbvi Av jv K we` gvb K imc Û U e vswks m úk mg~n c~btg~j vqb Ki Z n e 6. we ` k Aew Z kvlv I mvewmwwqvix cöwzôvb GGgGj mvk ~yjvi bs 19 ZvwiL 14 AvMó, 2008 Gi 2(N) b ^i Aby Q ` ewy Z we ` k Aew Z kvlv I mvewmwwqvix cöwzôvb m úwk Z wb ` kbvmg~n wbgœewy Z wb ` kbv Øviv cöwz vwcz n et 6.1 gvwb jûvwis cöwz iva AvBb, 2009 Ges mš vm we ivax AvBb, 2009 Gi AvIZvq wi cvu cö`vbkvix ms v (cö hvr ÿ Î ) Zv `i we ` k Aew Z kvlv Ges mvewmwwqvix cöwzôv bi ÿ ÎI gvwb jûvwis cöwz iva AvBb, 2009 Ges mš vm we ivax AvBb, 2009 Gi AvIZvq ewy Z wb ` kbv h_vh_fv e cwicvjb wbwðz Ki Z n e 6.2 we ` k Aew Z kvlv ev mvewmwwqvix cöwzôvb Kvb Kvi b hw` gvwbjûvwis cöwz iva AvBb, 2009 Ges mš vm we ivax AvBb, 2009 Gi AvIZvq ewy Z wb ` kbv h_vh_fv e cvj b e _ nq Z e Zv AbwZwej ^ Kvib D jølc~e K gvwb jûvwis cöwz iva wefvm K AewnZ Ki Z n e 7. wb qvm I cöwkÿy 7.1 wb qvm gvwbjûvwis I mš v m A_ vqb cöwz iva Kvh µ gi Ab Zg D Ïk n jv e vsk I Avw_ K cöwzôvb hv Z G ai Yi SuywK n Z gy³ _v K Zv wbwðz Kiv m j ÿ, e vsk I Avw_ K cöwzôvbmg~n K Zv `i wewfbœ wb qvm cöwµqvq h_vh_ hvpvb cöwµqv (Screening Mechanism) AbymiY Ki Z n e hv Z Kvb Í ii Kg KZ vi gva g e vsk ev Avw_ K cöwzôvb gvwb jûvwis I mš v m A_ vqb welqk SuzwKi m ylxb bv nq 7.2 Kg KZ v `i Rb cöwkÿy gvwbjûvwis I mš v m A_ vqb cöwz iv a h_vh_ cwicvjb wbwðz Kivi j ÿ cöwzwu e vsk I Avw_ K cöwzôvb Zv `i Kg KZ v `i Kv Ri mv _ m ú ³ gvwbjûvwis I mš v m A_ vqb SuzwK we epbvq Dchy³ cöwkÿy`v bi e e v Ki e ea ev A eafv e AwR Z A_ ev m úwë we ` k cvpvi iv a ˆe `wkk jb ` bi mv _ RwoZ Kg KZ v `i gvwb c ôv 3 / 4

4 jûvwis I mš v m A_ vqb cöwz iva welqk cöwkÿ Yi cvkvcvwk evwyr wfwëk gvwb jûvwis wel q cöwkÿy cö`v bii e e v Ki e 7.3 MÖvnK `i Rb wkÿy I cöwkÿy e vsk I Avw_ K cöwzôvb Zv `i MÖvnK `i wnmve Lvjvi di gi mv _ mshy³ MÖvnK cwiwpz (KYC) I jb ` bi AbywgZ gvîvmn wewfbœ wel q MÖvn Ki wewfbœ cö kœi hšw³k Reve cö`vbmn gvwbjûvwis I mš v m A_ vqb wel q m PZb Ki Z mgq mgq wjd ju weziy Ges cöwzwu kvlvi ` k gvb v b cv vi vc bi e e v Ki e GB mvk yjv ii wb ` kbv cwicvjb wbwðz Kivi Ges welqwu mswkøó mk ji AeMwZ Z Avbvi Rb Avcbv `i K Aby iva Kiv hv Q Ges BZ em i cövwß ^xkvi Ki eb ms hvrbx t 02 (`yb) cvzv Avcbv `i wek Í, ( `ecömv` `ebv_) Dc-gnve e vck dvb : cöwzwjwc bs- GGgGjwW-2/2010- ZvwiL : DwjøwLZ AeMwZ I cö qvrbxq e e v MÖn Yi Rb cöwzwjwc cöiy Kiv n jv t- 1. mkj wefvmxq cöavb, evsjv `k e vsk, cöavb Kvh vjq, XvKv 2. gnve e vck, evsjv `k e vsk, gwzwsj, XvKv/PÆMÖvg/ivRkvnx/Lyjbv/e ov/wm ju/m`invu,xvkv/ewikvj/iscyi 3. wbe vnx cwipvjk, Mfb i g nv` qi mwpevjq, evsjv `k e vsk, cöavb Kvh vjq, XvKv 4. Mfb i g nv` qi e w³mz Kg KZ v, evsjv `k e vsk, cöavb Kvh vjq, XvKv 5. WcywU Mfb i g nv`qm Yi mv _ mshy³ Dc-cwiPvjK/mnKvix cwipvjk, evsjv `k e vsk, cöavb Kvh vjq, XvKv 6. A_ bwzk Dc `óv/wbe vnx cwipvjk g nv`qm Yi e w³mz mnkvix, evsjv `k e vsk, cöavb Kvh vjq, XvKv 7. gnvcwipvjk, evsjv `k BbwówUDU Ae e vsk g v br g U, wgicyi, XvKv 8. gnvmwpe, w` BbwówUDU Ae e vskvm evsjv `k, wegmavigm feb, 10g Zjv, 12, KvIivb evrvi, ZRMuvI, XvKv 9. Pqvig vb, evsjv `k G mvwm qkb Ae e vskm, 42, Kvgvj AvZvZzK GwfwbD, ebvbx, XvKv 10. Pqvig vb, G mvwm qkb Ae e vskvm, evsjv `k, B vb Kgvwk qvj Kg cø, 73, KvKivBj, XvKv 11. e e vcbv cwipvjk/cöavb wbev nx Kg KZv, mkj Zdwmjx e vsk 12. e e vcbv cwipvjk/cöavb wbev nx Kg KZv, mkj Avw_ K cöwzôvb (Kvgvj nv mb) Dc-cwiPvjK dvb : /2482 c ôv 4 / 4

5 cwiwkó-ô1õ ANTI-MONEY LAUNDERING & TERRORIST FINANCING QUESTIONNAIRE FOR CORESPONDENT RELATIONSHIP A. BASIC INFORMATION 1. Name of the Institution: 2. Registered Address: 3. Website Address: 4. Principal Business Activities: 5. Regulatory Authority: 6. Operational Status: Does your Bank maintain a physical presence in the licensing country? B. OWNERSHIP / MANAGEMENT 1. Is your institution listed in any stock exchange? If so, which stock exchange? 2. If to Q7, please provide a list of the major shareholders holding more than 10% shares in your institution. C. ANTI-MONEY LAUNDERING AND TERRORIST FINANCING CONTROLS Additional information to be incorporated at the end of the questionnaire if your answer is no to any of the following questions I. General AML&CFT Policies, Practices and Procedures: 1. Does your institution have policies and procedures approved by your institution s board or senior management to prevent money laundering and combating terrorist financing? 2. Does your institution have a legal and regulatory compliance program that includes a designated officer that is responsible for coordinating and overseeing the AML/CFT framework? 3. Has your institution developed written policies documenting the processes to prevent, detect and report suspicious transactions? 4. Does your institution have a policy prohibiting accounts/relationships with shell banks? (A shell bank is defined as a bank incorporated in a jurisdiction in which it has no physical presence and which is unaffiliated with a regulated financial group.) 5. Does your institution permit the opening of anonymous or numbered accounts by customers? 6. Does your institution have policies to reasonably ensure that they will not conduct transactions with or on behalf of shell banks through any of its accounts or products? 7. Does your institution have policies covering relationships with Politically Exposed Persons (PEP s), their family and close associates? 8. Does your institution have policies and procedures that require keeping all the records related to customer identification and their transactions? If, for how long? II. Risk Assessment 1. Does your institution have a risk-based assessment of its customer base and their transactions? 2. Does your institution determine the appropriate level of enhanced due diligence necessary for those categories of customers and transactions for those that have reason(s) to pose a heightened risk of illicit activities at or through the FI? III. Know Your Customer, Due Diligence and Enhanced Due Diligence 1. Has your institution implemented processes for the identification of Beneficial Ownership (those customers on whose behalf it maintains or operates accounts or conducts transactions)? 2. Does your institution have a requirement to collect information regarding its customers business activities? 3. Does your institution have a process to review and, where appropriate, update customer information relating to high risk client information?

6 4. Does your institution have procedures to establish a record for each new customer noting their respective identification documents and Know Your Customer information? 5. Does your institution complete a risk-based assessment to understand the normal and expected transactions of its customers? IV. Reportable Transactions for Prevention and Detection of ML/TF 1. Does your institution have policies or practices for the identification and reporting of transactions that are required to be reported to the authorities? 2. Where cash transaction reporting is mandatory, does your institution have procedures to identify transactions structured to avoid such obligations? 3. Does your institution screen customers and transactions against lists of persons, entities or countries issued by government/competent authorities? 4. Does your institution have policies to reasonably ensure that it only operates with correspondent banks that possess licenses to operate in their countries of origin? IV. Transaction Monitoring Does your institution have a monitoring program for unusual and potentially suspicious activity that covers funds transfers and monetary instruments such as travelers checks, money orders, etc? V. AML Training 1. Does your institution provide AML& CFT training to relevant employees of your organisation? 2. Does your institution communicate new AML related laws or changes to existing AML related policies or practices to relevant employees? 3. Does your institution provide AML training to relevant third parties if they are employed to carry out some of the functions of your organisation? Space for additional information: (Please indicate which question the information is referring to.) D. GENERAL Does the responses provided in this Declaration applies to the following entities: Head Office and all domestic branches Overseas branches Domestic subsidiaries Overseas subsidiaries If the response to any of the above is, please provide a list of the branches and /or subsidiaries that are excluded, including the name of the institution, location and contact details. I, the undersigned, confirm to the best of my knowledge that the information provided in this questionnaire is current, accurate and representative of the anti-money laundering and anti-terrorist financing policies and procedures that are established in my institution. I also confirm that I am authorized to complete this questionnaire on behalf of my institution. Signature: Name: Designation: Date: Contact :