Table of Content
Introduction
- What is Money Laundering?
- Prevention of Money Laundering Act, 2002
- Global Phenomenon
- Tainted Money or Dirty Money
- Washing of “Dirty†Money
- Money Laundering – Case Studies
Money Laundering - Process & Methods
- Process of Money Laundering
- Process of Money Laundering – Case Studies
- Methods used for Money Laundering
- Role of Technology
- Sources of Tainted Money
- Effects of Money Laundering
- Economic Effects
- Terrorist Financing
- Informal Value Transfer Systems
- Suspicious Conduct and Transactions
- Unusual Transactions
- Non-Face-to-Face Customers
- Politically Exposed Persons
Legislation & International Cooperation
- Legislations against Money Laundering
- Financial Action Task Force (FATF)
- Anti-Money Laundering Measures in India
- RBI Guidelines regarding AML
- Role of IBA Working Group
- Technology in AML Measures
- BASEL Committee
- European Union Directives on Money Laundering
- UK Regulatory Framework
- UN RESOLUTIONS
- The Wolfsberg Principles
- US Regulatory Framework
- Other Global Initiatives
- Money Laundering Avoidance Software
Role of Correspondent Banking
- Introduction
- Policies and Measures
- Wire Transfer
- Role of Ordering, Intermediary and Beneficiary banks
KYC – Know your customer
- Basic Definitions
- Customer Profile
- BASEL Committee on KYC Policies
- KYC Policies and RBI’s Initiative
- Organizational Structure in Banks
KYC - Operating Guidelines
- Customer Profiling
- Opening of Accounts
- Suggested Safeguards
- Closure of Accounts
- Monitoring of Accounts
- Credit Cards/Debit Cards/Smart Cards/Gift Cards
- ‘At Par’ Cheque Facility
- Combating Financing of Terrorism
- Jurisdictions to not apply the FATF Recommendations
Internal Controls and Structure In Banks
- Roles and Responsibilities of the Staff
- Roles and Responsibilities of Board of Directors and Senior Management
- Role and Responsibilities of the Principal Officer
- Role and Responsibilities of the Internal Audit/Internal Control Teams
- Role and Responsibilities of the Business Groups
- Designated Director
- Internal Investigations
- Closing the Account
- Mutual Legal Assistance Treaties
- Financial Intelligence Units
Customer Risk Categorization (CRC)
- Customer Risk
- Need for Risk Categorization
- Customer Acceptance Policy (CAP)
- Customer Identification Procedure (CIP)
- Customer Due Diligence (CDD)
- Risk Scoring Model
Reporting Obligations
- Cash Transaction Reporting (CTR)
- Counterfeit Currency Reporting (CCR)
- Suspicious Transaction Report (STR)
- Non-Profit Organization Transaction Reports (NTRs)
Transaction Monitoring
- Approach of Banks for Monitoring of Transactions
- Essentials of Transaction Monitoring process
- Methods of Monitoring
- Suspicious Transaction
- Name Screening
Staff and Customer Awareness
- Training Methods
- Records of training
- Customer Awareness on AML
- Training Program
KYC – Updation
- Need for KYC Updation
- Approach for KYC Updation
- Scope of KYC Updation
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