evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU 02 Avwk¦b, 1424 · 1 evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU evsjv‡`k e¨vsK cÖavb Kvh©vjq XvKv weGdAvBBD mvK©yjvi bs-19

1

evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU

evsjv‡`k e¨vsK

cÖavb Kvh©vjq

XvKv

www.bb.org.bd

weGdAvBBD mvK©yjvi bs-19 ZvwiL :

eë ’vcbv cwiPvjK/cÖavb wbe©vnx Kg©KZ©v

evsjv�`�k Kvh©iZ mKj Zdwmwj e¨vsK

gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a Zdwmwj

e¨vsKmg~‡ni Rb¨ AbymiYxq wb‡`©kbv RvixKiY cÖm‡½|

gvwbjÛvwis cÖwZ�iva AvBb, 2012 I mš¿vm we�ivax AvBb, 2009 Ges AvBb ywUi AvIZvq RvixK�Z wewagvjvi

mswkøó weavbvejx cwicvj�b evsjv�`�k Kvh©iZ mKj Zdwmwj e¨vs�Ki Rb¨ AbymiYxq wbgœewY©Z wb�` ©kbvmg~n

gvwbjÛvwis cÖwZ�iva AvBb, 2012 Gi 23(1)(N) Ges mš¿vm we�ivax AvBb, 2009 Gi 15(1)(N) avivq cÖ`Ë

ÿgZv e�j Rvix Kiv n�jv :

1| cwicvjb KvVv‡gv :

1.1 gvwbjÛvwis Ges mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva bxwZgvjv :

gvwbjÛvwis I mš¿vmx Kv�h© A_©vqb cÖwZ�iv�a AvšÍR©vwZK gvb`Û, �`�k we`¨gvb AvBb, wewagvjv I evsjv�`k

dvBb¨vwÝqvj B�›Uwj�RÝ BDwbU (weGdAvBBD)-Gi wb�`©kbvejxi mgš^�q cÖwZwU e¨vs�Ki GKwU wbR¯ bxwZgvjv

_vK�e; hv Zv�ì cwiPvjbv cl© ev cÖ�hvR¨ �ÿ�Î e¨vs�Ki m�ev©”P eë ’vcbv KwgwU Aby�gv`b Ki�e| D³

bxwZgvjv mswkøó mK�ji AeMwZ�Z Avb�e I ev¯Íevq�bi Rb¨ cÖ�qvRbxq c`�ÿc MÖnY Ki�e| e¨vsK mgq mgq1

bxwZgvjvwU ch©v�jvPbv Ki�e I cÖ�hvR¨ �ÿ�Î, ms�kvab/cwigvR©b Ki�e|

1.2 gvwbjÛvwis Ges mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a eë ’vcbv KZ©„c‡ÿi A½xKvi †NvlYv :

(K) cÖwZwU e¨vs�Ki cwiPvjbv cl© , m�ev©”P wbev©nx Ges Ab¨vb¨ EaŸ©Zb Kg©KZ©vMY gvwbjÛvwis I mš¿vmx

Kv�h© A_v©qb cÖwZ�iv�a Dch©y³ AvBb `ywU�Z ewY©Z Zv�ì wbR wbR `vwqZ¡ I KZ©�eï Av�jv�K

cÖvwZôvwbK cwicvjb eë ’v �Rvi`vi Kivi wel�q m�Pó _vK�eb|

(L) e¨vs�Ki cÖavb wbe©vnx evrmwiK wfwË�Z e¨vs�Ki mKj Kg©KZ©v/Kg©Pvix�ì D�Ï�k¨ gvwbjÛvwis Ges

mš¿vmx Kv�h© A_©vqb cÖwZ�iv�a my¯úó I Kvh©Ki A½xKvi �NvlYv Ki�eb Ges A½xKvi ev¯Íevq�b h_vh_

wb�`©kbv cÖ`vb Ki�eb| cÖ�hvR¨ �ÿ�Î, cwicvjbxq welqvwì mvwe©K Ae ’v ch©�eÿY Ki�eb|

1 e¨vs�Ki wbR¯^ ML/TF Risk Assessment Guidelines Gi mv�_ m½wZc~Y©i��c|

02 Avwk¦b, 1424

17 �m�Þ¤i, 2017

http://www.bangladeshbank.org.bd/

2

1.3 Kgcøv‡qÝ Awdmvi wb‡qvM I Ab¨vb¨ :

(1) e¨vswKs LvZ�K gvwbjÛvwis I mš¿vmx Kv�h© A_©vqb welqK SzuwK n�Z gy³ ivLvi Rb¨ Ges GZ`&msµvšÍ

wel�q we`¨gvb AvBb, wewagvjv Ges weGdAvBBD KZ©�K mgq mgq RvixK�Z mvKz©jvi I MvBWjvB�Ý

ewY©Z wb�`©kbvejx h_vh_fv�e cwicvjbv�_© cÖwZwU e¨vs�K wb¤œi�c eë ’vw` _vK�Z n�e :

(K) cÖwZwU e¨vsK GKRb ÒEaŸ©Zb Kg©KZ©viÓ �bZ��Z¡ cÖavb Kvh©vj�q GKwU Ô�K›`ªxq cwicvjb KwgwUÕ

(Central Compliance Committee) cªwZôv Ki�e; Av�jvP¨ KwgwU mivmwi e¨vs�Ki eë ’vcbv

cwiPvjK ev cÖavb wbe©vnx Kg©KZ©vÕi wbKU wi�cvU© Ki�e| DwjøwLZ ÔEaŸ©Zb Kg©KZ©vÕ cÖavb

gvwbjÛvwis cÖwZ�iva cwicvjb Kg©KZ©v (Chief Anti Money Laundering Compliance

Officer-CAMLCO) bv�g AwfwnZ n�eb| G�ÿ�Î ÔEaŸ©Zb Kg©KZ©vÕi c`bvg e¨vs�Ki

eë ’vcbv cwiPvjK/cÖavb wbe©vnx Kg©KZ©vi (02) `yB av�ci bx�P n�e bv| Z�e we�`kx e¨vs�Ki

�ÿ�Î D³ ÔEaŸ©Zb Kg©KZ©vÕ�K Aek¨B m�ev©”P eë ’vcbv KwgwUi (Management Committee) m`m¨ n�Z n�e| cÖavb gvwbjÛvwis cÖwZ�iva cwicvjb Kg©KZ©vi cwieZ©b n�j Awej�¤^ wjwLZfv�e

bweGdAvBBD-�K AewnZ Ki�Z n�e| cÖavb gvwbjÛvwis cÖwZ�iva cwicvjb Kg©KZ©v�K e¨vs�Ki

Ab¨ �Kv�bv `vwqZ¡ Ac©�Yi c~�e© eë ’vcbv KZ©�cÿ�K wbwðZ n�Z n�e �h Gi d�j e¨vsKwUi

gvwbjÛvwis I mš¿vmx Kv�h© A_©vqb cÖwZ�iva welqK Kvh©µg wewNœZ n�e bv|

(L) cÖwZwU e¨vs�K �K› ªxq cwicvjb KwgwUÕi mvwPweK `vwqZ¡ cvjb Ges gvwbjÛvwis I mš¿vmx Kv�h©

A_©vqb cÖwZ�iv�a cwicvjbxq welqmg~n m¤úv`�bi j�ÿ¨ Dchy³ msL¨K Kg©KZ©vi2 mgš^�q GKwU

ÒgvwbjÛvwis I mš¿v�m A_©vqb cÖwZ�iva wefvM/wWwfkbÓ _vK�e; D³ wefvM/wWwfk�bi cÖavb

wn�m�e DccÖavb gvwbjÛvwis cÖwZ�iva cwicvjb Kg©KZ©v (Deputy Chief Anti Money

Laundering Compliance Officer:D-CAMLCO) `vwqZ¡ cvjb Ki�eb| D�jøL¨, D-

CAMLCO c�` b~¨bZg ÔDcgnveë¯’vcKÕ A_ev Ôwmwbqi fvBm �cÖwm�W›UÕ A_ev mgc`gh©v`vi

GKRb Kg©KZ©v�K g�bvbqb cÖ`vb Kiv hv�e|

(M) �K›`ªxq cwicvjb KwgwU gvwbjÛvwis I mš¿vmx Kv�h© A_©vqb msµvšÍ SzuwK cÖwZ�iv�a e¨vs�Ki wbR¯^

bxwZgvjvi AvIZvq cÖvwZôvwbK �K�kj I Kg©m~Px wba©viY Ki�e Ges mgq mgq Zv ch©v�jvPbv

Ki�e| �K›`ªxq cwicvjb KwgwU Ges cÖavb gvwbjÛvwis cÖwZ�iva cwicvjb Kg©KZ©vi ZË¡veav�b

ÒgvwbjÛvwis I mš¿v�m A_©vqb cÖwZ�iva wefvM/wWwfkbÓ evwl©K wfwË�Z gvwbjÛvwis Ges mš¿vmx

Kv�h© A_©vqb cÖwZ�iva Kg©m~Pxi ev¯Íevqb wbwðZ Ki�e|

(N) cÖavb gvwbjÛvwis cÖwZ�iva cwicvjb Kg©KZ©v I DccÖavb gvwbjÛvwis cÖwZ�iva cwicvjb Kg©KZ©vi

gvwbjÛvwis I mš¿vmx Kv�h© A_©vqb cÖwZ�iva wel�q we`¨gvb AvBb, wewagvjv, weGdAvBBD KZ©�K

mgq mgq RvixK�Z wb�`©kbvejx I GZ`&wel�q AvšÍR©vwZK gvb`Ûmg~�ni Dci mg¨K aviYv _vK�Z

n�e|

(O) gvwbjÛvwis I mš¿v�m A_©vqb cÖwZ�iva wefvM/wWwfk�bi Kvh©vejx Ges �K›`ªxq cwicvjb KwgwU,

KwgwUi m`m¨ Ges cÖavb gvwbjÛvwis cÖwZ�iva cwicvjb Kg©KZ©v I DccÖavb gvwbjÛvwis cÖwZ�iva

cwicvjb Kg©KZ©vi `vwqZ¡ I KZ©e¨ mywbw`©ófv�e wba©vwiZ _vK�Z n�e|

2 D³ wefvM/wWwfkb Gi Rbej e¨vs�Ki kvLvi msL¨v, eëmv�qi we¯Í�wZ, MÖvnK msL¨v BZ¨vwì Av�jv�K wba©vwiZ n�e|

3

(P) �K›`ªxq cwicvjb KwgwU b~¨bZg 7(mvZ) m`m¨ wewkó n�e; hv�Z cÖavb gvwbjÛvwis cÖwZ�iva

cwicvjb Kg©KZ©v I DccÖavb gvwbjÛvwis cÖwZ�iva cwicvjb Kg©KZ©vmn e¨vs�Ki wewfbœ wefv�Mi

(�hgb: wnDg¨vb wi�mv�m©m wWwfkb, �µwWU wWwfkb, wi�Uj I K�cv©�iU e¨vswKs wWwfkb, d�ib

G·�PÄ wWwfkb, Acv�ikb wWwfkb, KvW© wWwfkb, AvBwU wWwfkb BZ¨vw`) cÖavb A_ev EaŸ©Zb

Kg©KZ©vMY m`m¨ n�eb| Z�e Af¨šÍixY wbixÿv wefv�Mi �Kv�bv Kg©KZ©v �K› ªxq cwicvjb KwgwUi

m`m¨ n�Z cvi�eb bv| �K›`ªxq cwicvjb KwgwU I Af¨šÍixY wbixÿv wefvM m¤ú~Y© Avjv`vfv�e

Zv�ì Dci Awc©Z gvwbjÛvwis Ges mš¿vmx Kv�h© A_©vqb cÖwZ�iva welqK `vwqZ¡ cvjb Ki�e|

(Q) �K›`ªxq cwicvjb KwgwU eQ�i AšÍZ 4 (Pvi) wU mfv3 Av�qvRb Ki�e| D³ mfvq Zviv e¨vs�Ki

gvwbjÛvwis Ges mš¿vmx Kv�h© A_©vqb cÖwZ�iva cwicvj�bi mvwe©K Ae¯’v ch©v�jvPbvc~e©K cÖ�qvRbxq

wm×všÍ MÖnY Ges AbymiYxq wb�`©kbv cÖ`vb Ki�e|

(2) evsjv�`k dvBb¨vwÝqvj B�›Uwj�RÝ BDwbU KZ©�K BmÿK�Z ML/TF Risk Assessment Guidelines

for Banking Sector Gi wb�`©kbv Abymv�i GKwU wbw`©ó mgq AšÍi AšÍi cÖwZwU e¨vsK gvwbjÛvwis I

mš¿v�m A_©vqb msµvšÍ wbR¯ SzuwK wbi�cY Ki�e Ges Zv weGdAvBBD KZ©�K Vetting & c~e©K SzuwK

�gvKv�ejvi Rb¨ h_vh_fv�e eënvi Ki�e| GQvovI RvZxq ch©v�q ev e¨vswKs Lv�Zi mv�_ mvgÄm¨c~Y©

Ges wbi�wcZ SzuwKi Av�jv�K, cÖ�hvR¨ wWD wWwj�RÝ Kvh©µg MÖnY Ki�e|

(3) �K›`ªxq cwicvjb KwgwU gvwbjÛvwis I mš¿vmx Kv�h© A_©vqb cÖwZ�iva wel�q e¨vs�Ki M�nxZ c`�ÿc,

Gwel�q ev¯Íevqb AMÖMwZ I mycvwik m¤wjZ cÖwZ�e`b lvb¥vwmK wfwË�Z (Rvbyqvwi-Ryb, RyjvB-wW�m¤î)

e¨vs�Ki cÖavb wbe©vnx, cÖ�hvR¨ �ÿ�Î, cwiPvjbv cl©�ì AeMwZ I wb�`©kbvi Rb¨ `vwLj Ki�e| D³

cÖwZ�e`�b G mvKz©jv�ii 8.3(1) G ewY©Z welqmg~nmn gvwbjÛvwis Ges mš¿vmx Kv�h© A_©vqb cÖwZ�iva

wel�q weGdAvBBD KZ�©K �Kv�bv eë ’v M�nxZ n�q _vK�j Zv AšÍfz©³ Ki�Z n�e| cÖavb wbe©vnxi

wb�`©kbv I gZvgZmn cÖwZ�e`bwU e¨vsKwUi cwiPvjbv cl© ev m�e©v”P eë ’vcbv KwgwUi mfvq Dc ’vcb

Ki�Z n�e Ges cÖwZ�e`bwUi GKwU Kwc mswkøó lvb¥vwmK �kl nIqvi 2(`yB) gv�mi g�a¨ weGdAvBBD

eivei �cÖiY Ki�Z n�e|

(4) �K›`ªxq cwicvjb KwgwUi wb�`©kbv Abymv�i gvwbjÛvwis I mš¿v�m A_©vqb cÖwZ�iva wefvM/wWwfkb

kvLvmg~�ni Rb¨ AbymiYxq wb�`©kbvejx Rvix Ki�e; hv�Z gvwbjÛvwis I mš¿v�m A_©vqb cÖwZ�iv�a MÖvnK

cwiwPwZ MÖnY, �jb�`b gwbUwis eë ’v, Af¨šÍixY wbqš¿Y eë ’v Ges GZ`&msµvšÍ Ab¨vb¨ cwicvjbxq

bxwZ I c×wZmg~n AšÍfz©³ _vK�e|

(5) �K›`ªxq cwicvjb KwgwU DwjøwLZ 1.3(1)(M) Ges 1.4 Aby�”Q�ì wb�`©kbvi ev Íevq�b kvLv ch©v�q

cwicvjb Kg©KZ©v g�bvbq�bi gva¨�g Af¨šÍixY cwiexÿY I wbqš¿Y eë ’v cªwZôv Ki�e| G�ÿ�Î, cÖwZwU

kvLvq GKRb AwfÁ kvLv gvwbjÛvwis cÖwZ�iva cwicvjb Kg©KZv© (Branch Anti Money

Laundering Compliance Officer-BAMLCO) g�bvbxZ Ki�e| D�jøL¨, kvLv eë ’vcK, kvLvi

wØZxq Kg©KZ©v A_ev �Rbv�ij e¨vswKs/d�ib G·�PÄ/�µwWU BZ¨vw` wel�q AwfÁ EaŸ©Zb Kg©KZ©v�K

kvLv gvwbjÛvwis cÖwZ�iva cwicvjb Kg©KZv© wn�m�e g�bvbxZ Ki�Z n�e| kvLv gvwbjÛvwis cÖwZ�iva

cwicvjb Kg©KZ©vi gvwbjÛvwis I mš¿vmx Kv�h© A_©vqb cÖwZ�iva wel�q we`¨gvb AvBb, wewagvjv,

weGdAvBBD Gi mKj wb�`©kbv Ges e¨vs�Ki wbR¯ bxwZgvjvi wel�q mg¨K aviYv _vK�Z n�e| kvLv

3 �K›`ªxq cwicvjb KwgwUi mfv �ÎgvwmK wfwË�Z Av�qvRb Ki�Z n�e| Z�e cÖ�qvR�b KwgwU cÖavb �h �Kv�bv mgq mfv Avnevb Ki�Z cvi�eb|

4

gvwbjÛvwis cÖwZ�iva cwicvjb Kg©KZv©i g�bvbqbc�Î Zvi Kg©©cwiwa Ges `vq-`vwqZ¡ mywbw`©ófv�e D�jøL

_vK�Z n�e|

(6) kvLv gvwbjÛvwis cÖwZ�iva cwicvjb Kg©KZv© kvLvi Ab¨vb¨ mswkøó Kg©KZ©v�ì wb�q �ÎgvwmK wfwË�Z

gvwbjÛvwis I mš¿vmx Kv�h© A_©vqb cÖwZ�iva welqK mfv Ki�eb Ges D³ mfvq wb�¤œv³ welqmg~nmn

gvwbjÛvwis I mš¿vmx Kv�h© A_©vqb cÖwZ�iv�a we`¨gvb AvBb, wewagvjv Ges weGdAvBBD Gi Ab¨vb¨

wb�`©kbvi cwicvjb ch©v�jvPbvc~e©K h_vh_ eë ’v MÖnY Ki�eb :

MÖvnK cwiwPwZ;

�jb�`b gwbUwis;

m�›`nRbK �jb�`b ev Kvh©µg wPwýZKiY I wi�cvwU©s;

’vbxq Sanction List mn RvwZms�Ni wbivcËv cwil�ì �iRyjykbmg~�ni ev Íevqb;

�mî G¨v�mm�g›U msµvšÍ Kvh©µg;

�iKW© msiÿY;

cÖwkÿY BZ¨vw`|

kvLv cwicvjb Kg©KZv© �ÎgvwmK mfvi Kvh©weeiYx gvwbjÛvwis I mš¿v�m A_©vqb cÖwZ�iva wefvM/wWwfkb

eive�i �cÖiY Ki�eb|

2| MÖvnK wbe©vPb bxwZgvjv :

MÖvnK wbe©vP�bi �ÿ�Î cÖwZwU e¨vs�Ki mywbw`©ó bxwZgvjv _vK�Z n�e; hv e¨vs�Ki gvwbjÛvwis I mš¿vmx Kv�h©

A_©vqb msµvšÍ SzuwK cÖwZ�iva msµvšÍ g~j bxwZgvjvi Ask n�Z cv�i| D³ bxwZgvjvq Ab¨vb¨ cÖvmw½K wel�qi

mv�_ Avewk¨Kfv�e wb�gœv³ welqmg~n AšÍfz©³ _vK�e :

(1) �ebv�g, QÙbv�g ev ïay b¤ihy³ �Kv�bv MÖvn�Ki wnmve �Lvjv ev cwiPvjbv Kiv hv�e bv;

(2) RvwZms�Ni wbivcËv cwil�ì wewfbœ �iRyjyk�bi4 AvIZvq mš¿vm I mš¿vmxKv�h© A_©vq�b RwoZ m�›`�n

ZvwjKvfy³ �Kv�bv e¨w³ ev mËv Ges evsjv�`k miKvi KZ©�K ZvwjKvfy³5 �Kv�bv e¨w³ ev wbwl×

�NvwlZ mËvi �Kv�bv wnmve �Lvjv hv�e bv ev cwiPvjbv Kiv hv�e bv; Ges

(3) Shell Bank6 Gi mv�_ �Kv�bv ai�Yi e¨vswKs m¤úK© ¯’vcb Kiv hv�e bv;

(4) weGdAvBBD KZ©�K mgq mgq cÖ`Ë wb�`©kbv AbymiYxq n�e|

4 RvwZms�Ni wbivcËv cwil�ì wewfbœ �iRyjyk�bi AvIZvq ZvwjKvfy³ e¨w³ ev mËv ej�Z mš¿vm we�ivax wewagvjv, 2013 Gi 2 (Q) bs wewa�Z

msÁvwqZ �iRyjyk�bi AvIZvq ZvwjKvfz³ e¨w³ ev mËv�K eySv�e| GB ZvwjKvmg~n http://www.un.org/sc/committees/index.shtml

A_ev http://www.bb.org.bd/aboutus/ dept /bfiu/sanction_list.php I�qewjsK n�Z msMÖn Kiv hv�e|

5 evsjv�`k miKvi KZ©�K ZvwjKvfy³ �Kv�bv e¨w³ ev wbwl× �NvwlZ mËv ej�Z mš¿vm we�ivax AvBb, 2009 Gi 18 b¤î avivq cÖ`Ë ÿgZve�j

evsjv�`k miKvi KZ©�K mgq mgq miKvwi �M�RU cªÁvcb Øviv Zdwmjfz³ �Kv�bv e¨w³ ev mËv�K eySv�e| 6 Shell bank means a bank that has no physical presence in the country which it is incorporated and licensed, and which is

unaffiliated with a regulated finacial group that is subject to effective consolidated supervision. Physical presence means

meaningful mind and management located within a country. The existance simply of a local agent or low level staff does not

constitute physical presence.

http://www.un.org/sc/committees/index.shtml

http://www.bb.org.bd/aboutus/

5

3| MÖvnK, MÖvnK cwiwPwZ, MÖvnK mZK©Zvg~jK eë ’v I Ab¨vb¨ :

3.1 MÖvn‡Ki msÁv :

gvwbjÛvwis I mš¿vmx Kv�h© A_©vqb SzuwK eë ’vcbvq MÖvnK ej�Z wb�gœv³ e¨w³ ev mËv�K eySv�e :

(1) e¨vs�Ki mv�_ wnmve msiÿY K�i ev eëmvwqK m¤úK© i�q�Q Ggb �h �Kv�bv e¨w³ ev mËv;

(2) e¨vsK wnmve ev eëmvwqK m¤ú�K©i cÖK�Z myweav�fvMx (Beneficial Owner)7; 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~�jï8 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|

3.2 MÖvnK cwiwPwZ (Know Your Customer--KYC) :

gvwbjÛvwis I mš¿vmx Kv�h© A_©vqb SzuwK eë ’vcbvq MÖvn�Ki cwiwPwZ MÖnY I hvPvB cÖwµqvi �ÿ�Î wb�¤œv³

welqvejxi cwicvjb wbwðZ Ki�Z n�e :

(1) MÖvn�Ki cwiwPwZi c~Y©v½9 I mwVK

10 Z_¨ msMÖn Ki�Z n�e| e¨vswKs eë ’v hv�Z gvwbjÛvwis ev mš¿vmx

Kv�h© A_©vq�bi SzuwKi m¤§ yLxb bv nq Zv wbwðZ Kivi Rb¨ cÖwZwU 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¨, Gi�c c~Yv©½ I mwVK Z_¨ MÖnY ev msiÿ�Yi �ÿ�Î myweavRbK we�ePbvq AvaywbK cÖhyw³i

eënvi ev mnvqZv MÖnY Kiv hv�e|

(2) e¨w³ ev cÖvwZôvwbK wnmveavix 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|

7 Beneficial owner refers to the natural person(s) who ultimately owns or controls a customer and/or the natural person on

whose behalf a transaction is being conducted. It also includes those persons who exercise ultimate effective control over a

legal person or arrangement. Reference to “ultimately owns or controls” and “ultimate effective control” refer to situations

in which ownership/control is exercised through a chain of ownership or by means of control other than direct control.

Note: It is required to conduct CDD of settlor, trustee, protector or any person with similar status or any beneficiary or class

of beneficiaries who have hold effective control on trust, in case of identification of beneficial ownership of a legal

arrangement. 8 G�ÿ�Î mswkøó e¨w³ ev cÖwZôv�bi eëmv/�ckv/�cÖvdvB�ji wbix�L ¯^vfvweK �jb�`�bi Zzjbvq �Kv�bv �jb�`b A¯^vfvweK cÖZxqgvb n�j Zv

ÔAwaK g~�jïÕ e�j we�ewPZ n�e| 9 Òc~Y©v½ (complete)Ó ej�Z wnmv�ei Av�e`bKvix/wnmveavix MÖvn�Ki cwiwPwZ hvPvBK�í cÖ�qvRbxq mKj Z�_ï mwbœ�ek�K eySv�e|

D`vniY¯î�ct bvg, �ckv, Rb¥ ZvwiL I we¯ÍvwiZ wVKvbv, Ges cvm�cvU©/RvZxq cwiPqcÎ/Rb¥ wbeÜb mb`/MÖnY�hvM¨ cwiwPwZg~jK Qwehy³

AvBwW KvW©, �dvb/�gvevBj b¤î BZ¨vw` Ab¨vb¨ cÖ�qvRbxq Z_¨vw`| 10 ÒmwVK (Accurate)Ó ej�Z c~Y©v½ Gi�c Z_¨�K eySv�e hvi mwVKZv h_vh_ KZ©�c�ÿi wbKU n�Z hvPvB Kiv n�q�Q|

6

(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) Uªvw÷ I �ckv`vi ga¨ ’ZvKvix KZ©�K MÖvn�Ki c�ÿ cwiPvwjZ wnmv�ei �ÿ�Î Zv�ì AvBbMZ Ae¯’vb

ch©v�jvPbv I Zvi h_v_©Zv wbi�cYc~e©K mswkøó mK�ji cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn Ki�Z n�e|

(5) wnmveavix e¨wZZ Ab¨ KvD�K (Walk-in Customer11

) �jb�`�b myweav cÖ`v�bi �ÿ�Î (�hgbt wWwW,

wUwU, GgwU, �c-AWv©i ev AbjvBb �jb�`b BZ¨vw`) G mvKz©jv�i Ab¨vb¨ Aby�”Q�` ewY©Z wb�`©kbv AbymiY

Ki�Z n�e|

3.3 MÖvnK m¤úwK©Z mZK©Zvg~jK eë ’v (Customer Due Diligence--CDD) :

MÖvnK m¤úwK©Z mZK©Zvg~jK eë ’v ev CDD ej�Z wbf©i�hvM¨ I ¯vaxb Drm n�Z cÖvß Z_¨, DcvË I `wjjvwì

wfwË�Z 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|

(1) MÖvnK mswkøó SzuwK we�ePbvq wb¤œewY©Z wewfbœ ch©v�q CDD m¤úv`b Ki�Z n�e-

(K) MÖvn�Ki mv�_ m¤úK© ’vc�bi mgq;

(L) IqvK-Bb-Kv÷gvi (Walk-in Customer) KZ©�K m¤úvw`Z 5,00,000/-(cvuP jÿ) UvKv ev

Z`yaŸ© g~�jï Occasional Transaction12

;

(M) 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

(N) �Kv�bv �jb�`b gvwbjÛvwis ev mš¿vmx Kv�h© A_©vq�bi mv�_ RwoZ g�g© m�›`�n CDD m¤úv`�bi

�ÿ�Î Z�_ï �MvcbxqZv dvum (Tipping-Off) nevi m¤¢vebv _vK�j CDD m¤úv`b bv K�iB

m�›`nRbK �jb�`b/Kvh©µg wi�cvU© Ki�Z n�e|

(2) MÖvn�Ki cwiwPwZ Ges e¨vs�Ki mv�_ m¤úK© ’vc�bi AšÍwb©wnZ D�Ïk¨ m¤ú�K© wbwðZ nIqvi Rb¨ cÖ�Z¨K

e¨vsK Zv�ì mš‘wó13

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|

(3) 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�_ï wfwË�Z wb�¤œv³fv�e wnmv�ei cÖK�Z myweav�fvMxÕi

cwiwPwZ wbwðZ Ki�Z n�e :

(K) hw` �Kv�bv MÖvnK Ab¨ �Kv�bv e¨w³i c�ÿ 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;

11

Walk-in Customer ej�Z e¨vsK wnmveavix bb Ggb MÖvnK �K eySv�e| 12

D�jøL¨, Occasional Transaction Gi g�a¨ Wire Transfer mn mKj ai�bi �jb�`b AšÍfy©³ n�e|

13

Òe¨vs�Ki mš‘wó mv�c�ÿÓ ej�Z we`¨gvb wb�`©kbvi Av�jv�K MÖvn�Ki SuzwK we�ePbvq wb�q cÖ�qvRbxq Z_¨, DcvË I `wjjvw` msMÖnc~e©K CDD

m¤úbœ Kiv n�q�Q g�g© h_vh_ KZ©�cÿ�K mš‘ó Kiv�K eySv�e|

7

(L) AvcvZt`�wó�Z hw` �Kv�bv e¨w³ hw` �Kv�bv MÖvnK�K cÖZ¨ÿ ev c�ivÿfv�e wbqš¿Y/cÖfvweZ K�i

�m �ÿ�Î D³ e¨w³i cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn I msiÿY Ki�Z n�e; Ges

(M) �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�ì D³ �Kv¤úvbxi Dci wbqš¿Y�hvM¨ ¯v_©

(Controlling/ownership14

interest) i�q�Q, wZwb/Zviv wnmv�ei cÖK�Z myweav�fvMx e�j

we�ewPZ n�eb|

(N) Dchy©³ L-M `dvi wb�`©kbv c~iYK�í �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|

3.4 MÖvnK m¤úwK©Z mnRZi mZK©Zvg~jK eë ’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¤î 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_¨vwì 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 Account15

) MÖvnK m¤úwK©Z

mnRZi mZK©Zvg~jK eë ’v MÖnY Kiv hv�e|

3.5 CDD msµvšÍ Ab¨vb¨ wb‡`©kbv:

(1) cÖwZwU e¨vsK MÖvn�Ki wnmve �Lvjvi �ÿ�Î weGdAvBBD KZ©�K RvixK�Z Awfbœ wnmve �Lvjvi di�gi

Av�jv�K cÖYxZ wbR¯ dig eënvi Ki�e| MÖvnK cwiwPwZ Ges CDD h_vh_fv�e m¤úv`bc~e©K Z_¨ I

`wjjvw` msiÿY Ki�e;

(2) GKB e¨vs�K GKB MÖvn�Ki GKvwaK wnmve cwiPvwjZ n�j MÖvnK cwiwPwZi cybive�wË cwinvi I �jb�`b

gwbUwis Gi myweav�_© e¨vsK D³ MÖvn�Ki Rb¨ GKwU Unique Customer Identification Code

(UCIC) eivÏ Ki�e| D³ UCIC MÖvnK I e¨vsK KZ©�K MÖvnK�K cÖ`Ë mKj cÖKvi �mev wPwýZKiY

(track) Ges c~Y©v½fv�e Avw_©K �jb�`b gwbUwis-Gi �ÿ�Î mnvqZv Ki�e;

(3) e¨vsK Mªvn�Ki wnmv�ei �jb�`�bi AbywgZ gvÎv (Transaction Profile) m¤ú�K© MÖvn�Ki �NvlYv

wba©vwiZ di�g msMÖn Ki�e| MÖvn�Ki cÖK�wZ, �ckv, wnmv�ei A�_©i Drm I �jb�`�bi aiY

ch©v�jvPbvc~e©K eëmvwqK m¤úK© ’vc�bi 6(Qq) gvm c�i MªvnK KZ©�K m¤úvw`Z �jb�`�bi h_v_©Zv

14

A controlling ownership interest depends on the ownership structure of the company. It may be based on a threshold, e.g.

any person owning more than a certain percentage of the company (e.g. 20%). 15

'No Frills 'account is a basic banking account. Such account requires either nil minimum balance or very low minimum

balance. Charges applicable to such accounts are low. Services available to such account is limited.

8

wbi�cYc~e©K cÖ�qvRbxq ms�kvabx mv�c�ÿ �jb�`�bi AbywgZ gvÎv e¨vsK wb�RB wbav©iY Ki�e| Z�e

wnmve �Lvjvi mgq MÖvnK KZ©�K cÖ`Ë �jb�`�bi AbywgZ gvÎv Ges 6(Qq) gv�mi cÖK�Z �jb�`b

D�jøL¨�hvM¨ nv�i e�w×i �ÿ�Î MÖvn�Ki mv�_ Av�jvPbvc~e©K �jb�`�bi AbywgZ gvÎv ms�kvab Ki�e Ges

cÖ�hvR¨ �ÿ�Î m�›`n n�j m�›`nRbK �jb�`b/Kvh©µg wi�cvU© Ki�e;

(4) �KIqvBwm cÖwµqvq MÖvnK m¤úwK©Z cÖvß Z_¨mg~n nvjbvMv`KiY GKwU Pjgvb cÖwµqv| G�ÿ�Î, Awfbœ

wnmve �Lvjvi di�g DwjøwLZ gvb`�Ûi Av�jv�K wbi�wcZ wb¤œ SuywK m¤úbœ MÖvn�Ki �ÿ�Î 05 (cvuP) eQi

Ges D”P SuywK m¤úbœ MÖvn�Ki �ÿ�Î 01 (GK) eQi ci ci nvjbvMv`KiY cÖwµqv m¤úbœ Ki�Z n�e|

MÖvn�Ki cwiwPwZg~jK Z�_ï �h �Kv�bv cwieZ©b16

AeMZ nIqvi mv�_ mv�_B Zv nvjbvMv` Ki�Z n�e|

GQvov wbw ©ó �Kv�bv cÖ�qvRb Abyf~Z n�j �h �Kv�bvmg�qB MÖvn�Ki cwiwPwZg~jK Z_¨ nvjbvMv` Kiv

hv�e| nvjbvMv`K�Z Z�_ï wfwË�Z cybivq Awej�¤ Gme wnmv�ei SuywK wbY©q Ki�Z n�e;

(5) GwcÖj 30, 2002 Zvwi�Li c~�e© �Lvjv �h mKj wnmv�ei KYC cÖwµqv m¤úbœ Kiv m¤¢e nqwb �m mKj

wnmve ÔmyßÕ (Dormant) wn�m�e wPwýZ n�e| myß wn�m�e wPwýZ G mKj wnmv�e ïaygvÎ A_© Rgv Kiv

hv�e wKš‘ D�Ëvjb Kiv hv�e bv| Z�e MªvnK KZ©�K kvLv eë ’vc�Ki wbKU wjwLZ Av�e`�bi �cÖwÿ�Z

e¨vsK KZ©�K D³ Mªvn�Ki KYC cÖwµqv m¤úbœ mv�c�ÿ MÖvnK wnmvewU�Z ¯vfvweK �jb�`b m¤úv`b

Ki�Z cvi�eb| gvwbjÛvwis I mš¿v�m A_©vqb cÖwZ�iva wefvM/wWwfkb Gi�c myß wnmv�ei Z_¨ msiÿY

Ki�e; Ges

(6) �Kv�bv we�`kx ev Awbevmx evsjv�`kx�ì wnmve �Lvjvi �ÿ�Î Foreign Exchange Regulation

Act, 1947 Gi weavbvejx I Gi AvIZvq evsjv�`k e¨vsK KZ�©K RvixK�Z wb�`©kbvmg~n AbymiYxq

n�e|

3.6 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¤œi�c eë ’v

MÖnY Ki�e :

(1) e¨vsK D³i�c 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 Gi�c 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 Z_¨

Ab¨vb¨ mKj kvLvi AeMwZ�Z Avb�e; Ges

(4) �ÿÎgZ, Gi�c MÖvn�Ki wel�q m�›`nRbK �jb�`b/Kvh©µg wi�cvU© `vwLj Ki�Z n�e|

16

cwieZ©b ej�Z MÖvn�Ki �ckv/eëmv�qi cwieZ©b, gvwjKvbvi cwieZ©b, �jb�`�bi c¨vUvb© cwieZ©b, wgwWqv wi�cvU© BZ¨vw` welq�K we�ePbv

Ki�Z n�e|

9

3.7 MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK eë ’v (Enhanced Due Diligence--EDD) :

e¨vsK KZ©�K wbi�wcZ D”P SzuwK m¤úbœ (High Risk) MÖvn�Ki �ÿ�Î wb¤œi��c MÖvnK m¤úwK©Z AwaKZi

mZK©Zvg~jK eë ’v ev EDD MÖnY Ki�Z n�e :

(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�ì Drm Rvbvi Rb¨ AwaKZi eë ’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�ì wnmv�ei �jb�`b wbqwgZfv�e AwaKZi gwbUi Ki�Z n�e|

3.8 cwjwUK¨vwj G·‡cvRW cvm©b (Politically Exposed Persons --PEPs) Gi †ÿ‡Î KiYxq:

PEPs17 Gi wnmve �Lvjv I cwiPvjbvq cÖ�hvR¨ �ÿ�Î, G mvK©yjv�ii (3.2) - (3.5) b¤i Aby�”Q�` ewY©Z cÖ�hvR¨

wb� ©kbv Abymi�Yi cvkvcvwk wb�gœ ewY©Z eë ’vw` MÖnY Ki�Z n�e :

(1) e¨vsK�K Zv�ì MÖvnK ev wnmv�ei cÖK�Z myweav�fvMx PEPs wKbv Zv wbav©iY Kivi Rb¨ Dchy³ c×wZ MÖnY

(�hgbt Db¥y³ Z�_ï Drm, wewfbœ WvUv�eR eënvi BZ¨vw`) Ki�Z n�e;

(2) PEPs Gi mv�_ eëmvwqK 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 G mvKz©jv�ii 3.7 Aby�”Q�ì (1) n�Z (4) G ewY©Z MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK

eë ’v MªnY Ki�Z n�e; Ges

(4) PEPs Gi cwiev�ii m`m¨ I Zv�ì 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 ranking or more junior individuals) ch©v�qi e¨w³ we�ewPZ n�eb bv|

3.9 cÖfvekvjx e¨w³i (Influential Persons:IPs) †ÿ‡Î KiYxq :

�Kvb cÖfvekvjx e¨w³i (Influential Persons:IPs)18

wnmve �Lvjv I cwiPvjbv D”P SzuwK m¤úbœ n�j G

mvK©yjv�ii 3.7 Aby�”Q�ì (1) n�Z (4) G ewY©Z hveZxq wb� ©kbv AbymiY Ki�Z n�e|

3.10 AvšÍR©vwZK ms ’vi cÖavb ev D”P ch©v‡qi Kg©KZ©vi †ÿ‡Î KiYxq :

�Kvb AvšÍR©vwZK ms ’vi cÖavb ev D”P ch©v�qi Kg©KZ©vi19

wnmve �Lvjv I cwiPvjbv D”P SzuwK m¤úbœ n�j G

mvK©yjv�ii 3.7 Aby�”Q�ì (1) n�Z (4) G ewY©Z hveZxq wb� ©kbv AbymiY Ki�Z n�e|

17 Politically Exposed Persons (PEPs) ej�Z 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 �K eySv�e| 18 cÖfvekvjx e¨w³ ej�Z Òindividuals who are or have been entrusted domestically with prominent public functions, for example

Head of State or of government, senior politicians, senior government, judicial or military officials, senior executives of

state owned corporations, important political party officialsÓ �K eySv�e|

10

3.11 K‡imc‡Û›U e¨vswKs20

(Correspondent Banking) Gi †ÿ‡Î KiYxq :

e¨vswKs eë ’v hv�Z gvwbjÛvwis ev mš¿vmx Kv�h© A_©vq�b eëüZ n�Z bv cv�i �mRb¨ AvšÍt�`kxq K�imc�Û›U

e¨vswKs (Cross Border Correspondent Banking) m¤úK© ’vcb Ges Zv Ae¨vnZ ivLvi �ÿ�Î wb�gœi

wb�`©kbvmg~n Avewk¨Kfv�e cwicvjbxq n�e :

(1) K�imc�Û›U e¨vswKs �mev cÖ`v�bi c~�e© cwiwkó-ÔKÕ �gvZv�eK Z_¨vw` msMÖnc~e©K K�imc�Û›U ev

�imc�Û›U e¨vs�Ki eëmv�qi cÖK�wZ m¤ú�K© wbwðZ n�q cÖavb gvwbjÛvwis cÖwZ�iva cwicvjb Kg©KZ©vi

Aby�gv`b MÖnY Ki�Z n�e| cÖ�hvR¨�ÿ�Î, cwiwkó-ÔKÕ �gvZv�eK Z_¨vwì AwZwi³ wn�m�e Db¥y³ Drm

(Open Source) n�ZI cÖ�qvRbxq Z_¨ msMÖn Ki�Z n�e;

(2) K�imc�Û›U ev �imc�Û›U e¨vsKwU mswkøó wbqš¿YKvix KZ©�cÿ KZ©�K Kvh©Kifv�e Z`viK Kiv nq, G

e¨vcv�i mš‘wó mv�c�ÿB �KejgvÎ �Kv�bv we�`kx e¨vs�Ki mv�_ K�imc�Û›U e¨vswKs m¤úK© ’vcb Kiv

hv�e ev eRvq ivLv hv�e;

(3) �Kv�bv Shell Bank Gi mv�_ K�imc�Û›U e¨vswKs m¤úK© ’vcb Kiv hv�e bv ev eRvq ivLv hv�e bv;

(4) �h me K�imc�Û›U ev �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�ì mv�_ K�imc�Û›U e¨vswKs m¤úK© ’vcb Kiv hv�e bv ev

eRvq ivLv hv�e bv;

(5) �hme �`k gvwbjÛvwis I mš¿vmx Kv�h© A_©vqb cÖwZ�iv�ai AvšÍR©vwZK gvb c~iY K�iwb ev Zvrch©c~Y©

NvUwZ i�q�Q (�hgb: dvBb¨vwÝqvj A¨vKkb Uv¯��dv�m©i cvewjK WKz�g�›U High Risk and Non-

Cooperative Jurisdictions wn�m�e ZvwjKvfy³ �`k) �mme �`�ki e¨vs�Ki mv�_ K�imc�Û›U e¨vswKs

m¤úK© ¯’vcb ev eRvq ivLvi e¨vcv�i MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK eë ’v MªnY Ki�Z n�e|

Gme e¨vs�Ki cÖK�Z myweav�fvMx Ges gvwbjÛvwis I mš¿vmx Kv�h© A_©vqb cÖwZ�iv�a Zv�ì bxwZ I c×wZ

m¤ú�K© we ÍvwiZ Z_¨ msMÖn Ki�Z n�e;

(6) �h mKj �imc�Û›U e¨vsK Zv�ì MÖvnK�ì�K K�imc�ÛU e¨vs�Ki gva¨�g mivmwi �jb�`b m¤úv`b

Kivi my�hvM cÖ`vb K�i _v�K (A_©vr Payable through accounts21) Zv�ì mv�_ K�imc�Û›U e¨vswKs

m¤úK© ’vc�bi �ÿ�Î -

(K) �imc�Û›U e¨vsK KZ©�K Zv�ì MÖvn�Ki CDD h_vh_fv�e m¤úv`b Kivi welqwU wbwðZ n�Z

n�e; Ges

(L) K�imc�ÛU e¨vs�Ki Aby�iv�ai �cÖwÿ�Z �imc�Û›U e¨vsK KZ©�K mswkøó MÖvn�Ki CDD welqK

Z_¨vw` mieivn Kiv m¤¢e g�g© wbwðZ n�Z n�e|

(7) G mvKz©jv�i ewY©Z wb�`©kbvejx we`¨gvb mKj K�imc�Û›U e¨vswKs m¤úK© cybtg~j¨vq�bi �ÿ�ÎI cÖ�hvR¨

n�e|

19

AvšÍR©vwZK ms¯’vi cÖavb ev D”P ch©v�qi Kg©KZ©v ej�Z 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 �K eySv�e| 20

K�imc�Û›U e¨vswKs ej�Z �h �Kv�bv GK e¨vsK (K�imc�Û›U) KZ©�K Ab¨ e¨vsK�K (�imc�Û›U) e¨vswKs �mev cÖ`vb�K eySv�e| Gi�c e¨vswKs �mev ej�Z

�µwWU, wW�cvwRU, Kv�jKkb, wK¬qvwis, �c�g›U, K¨vk g¨v�bR�g›U, AvšÍR©vwZK Aq¨vi UªvÝdvi, wWgvÛ WªvdU& Gi Rb¨ Wªwqs A¨v�iÄ�g›U ev Abyi�c Ab¨

�Kv�bv �mev cÖ`vb�K eySv�e| 21 ÒPayable through accountsÓ ej�Z ÒCorrespondent accounts that are used directly by third parties to transact business on their

own behalfÓ eySv�e|

11

3.12 G‡R›U e¨vswKs msµvšÍ wb‡`©kbv :

G�R›U e¨vswKs Kvh©µg cwiPvjbvi �ÿ�Î mswkøó e¨vsKmg~n wb¤œi�c wb�`©kbv cwicvjb Ki�e :

(1) gvwbjÛvwis I mš¿v�m A_©vqb msµvšÍ mKj wb�`©kbv cwicvj�bi `vqfvi G�R�›Ui cvkvcvwk mswkøó

e¨vs�Ki Dci eZ©v�e;

(2) G�R›U Ges MÖvnK�ì wnmve �Lvjvi �ÿ�Î weGdAvBBD KZ©�K RvixK�Z Awfbœ wnmve �Lvjvi dig

eënvi;

(3) G�R›U I MÖvn�Ki m�›`nRbK �jb�`b ev Kvh©µg mbv³KiY I wi�cvU©Ki�Y m�PZb _vKv;

(4) G�R›U e¨vswKs msµvšÍ Kgcøv�qÝ �cÖvMÖv�gi g�a¨ gvwbjÛvwis I mš¿v�m A_©vqb cÖwZ�iva Kvh©µg AšÍfy©³

Kiv I G�R›U�ì Dchy³ cÖwkÿ�Yi eë ’v Kiv Ges

(5) G�R›U wb�qvM I Zv�ì Kvh©µg gwbUwis Gi Rb¨ wb�¤œv³ c`�ÿc MÖnY Ki�Z n�e :

(K) G�R›U wbev©P�b h_vh_ hvPvB ev evQvB cÖwµqv (Screening Mechanism)22

AbymiYc~e©K

Zv�ì c~Yv©½ I mwVK cwiwPwZ wbwðZKiY;

(L) G�R›U�ì �jb�`�bi cwigvY I msL¨v, �f�MwjK Ae¯’vb, eëmvq I gvwjKvbvi cÖK�wZ Ges

Ab¨vb¨ hyw³hy³ welqvejx we�ePbvq wb�q Zv�ì SzuwKi Íi (D”P, ga¨g I wb¤œ) wba©viY Ges

wbi�wcZ SzuwKi Íi we�ePbvq wb�q G�R›U�ì �jb�`b I Kvh ©µg Z`viKxKiY;

(M) cÖwZôvb KZ�©K SzuwKi Íi wba©vi�Yi KvRwU wbqwgZfv�e (On-going) m¤úbœKiY;

(N) G�R›U�ì gvwbjÛvwis I mš¿v�m A_©vqb cÖwZ�iva msµvšÍ cwicvjb Ae ’v hvPvBKiY;

(O) evwl©K wfwË�Z D”P SzuwK m¤úbœ G�R›U�ì gvwbjÛvwis I mš¿v�m A_©vqb cÖwZ�iva cwicvjb Ae¯’v

hvPvB�qi wbwg�Ë cwi`k©b/wbixÿv Kvh©µg cwiPvjbvKiY Ges G msµvšÍ cÖwZ�e`b gvwbjÛvwis I

mš¿v�m A_©vqb cÖwZ�iva wWwfkb/wefv�M �cÖiY;

(P) ga¨g I wb¤œ SzuwK m¤wjZ G�R›U�ì cwi`k©b/wbixÿv Kvh©µg cÖwZôvb KZ©�K wbav©wiZ weiwZ�Z

m¤úbœKiY;

(Q) G�R›U�ì nvjbvMv` (Rvbyqvwi-Ryb wfwËK) ZvwjKv wbR¯ I�qemvB�U cÖKvk; Ges

(R) wewfbœ Awf�hvM/Awbq�gi wfwË�Z evwZjK�Z G�R›U�ì GKwU Avjv`v ZvwjKv (Rvbyqvwi-Ryb

wfwËK) wbR¯ I�qemvB�U cÖKvk|

3.13 Ab¨vb¨ wb‡`©kbv :

(1) e¨vsK KZ©�K �Kv�bv MÖvnK�K Previlege e¨vswKs myweav cÖ`vb Kivi �ÿ�Î CDD msµvšÍ Ab¨vb¨

wb�`©kbv Abymi�Yi cvkvcvwk MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK eë ’v MªnY Ki�Z n�e;

(2) �hme �`k gvwbjÛvwis I mš¿vmx Kv�h© A_©vqb cÖwZ�iv�ai AvšÍR©vwZK gvb c~iY K�iwb ev Zvrch©c~Y©

NvUwZ i�q�Q (�hgb : dvBb¨vwÝqvj A¨vKkb Uv¯��dv�m©i cvewjK WKz�g�›U High Risk and Non-

22 hvPvB cÖwµqv Gi g�a¨ wb�qv�Mi Rb¨ wbev©wPZ G�R�›Ui e¨w³MZ Z_¨vejx Ges Acivag~jK Kv�Ri m¤ú�³Zv Av�Q wKbv Zv hvPvB�qi welqvejx AšÍfy©³

_vK�e|

12

Cooperative Jurisdictions23

wn�m�e ZvwjKvfy³ �`k) �mme �`�ki �Kv�bv e¨w³ ev mËvi

(AvBbMZ cÖwZwbwa, Avw_©K cÖwZôvbmn �h �Kv�bv cÖwZôvb) mv�_ eëmvwqK m¤úK© ’vcb I eRvq ivLv

Ges �jb�`b m¤úv`�bi �ÿ�Î MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK eë ’v MªnY Ki�Z n�e; Ges

3.14 mkix‡i Abycw ’Z Mªvn‡Ki ( Non face to face customer) †ÿ‡Î KiYxq :

e¨vsK Zv�ì mkix�i Abycw ’Z MÖvnK�K24

�mev cÖ`v�bi �ÿ�Î gvwbjÛvwis I mš¿vmx Kv�h© A_©vq�bi SzuwK wbi�cY

Ges SzuwK wbim�bi bxwZ I c×wZ cÖYqb Ki�e Ges mgq mgq Zv ch©v�jvPbv Ki�e|

3.15 bZzb ‡mev ev cÖhyw³ MÖn‡Yi †ÿ‡Î KiYxq :

e¨vsK KZ©�K cÖhyw³ wbf©i bZzb �Kv�bv �mev ev c×wZ (�hgb, B›Uvi�bU e¨vswKs, B�jKUªwbK KvW© BZ¨vw`) cÖPjb

ev cÖPwjZ �mev ev c×wZi Dbœq�bi �ÿ�Î D³ �mev ev c×wZi gvwbjÛvwis I mš¿vmx Kv�h© A_©vqb SzuwK wPwýZ

Ki�e, Zvi gvÎv wbi�cY Ki�e Ges Gi�c �mev ev c×wZ n�Z m�ó SuywK �gvKv�ejvi Rb¨ h_vh_ eë ’v MªnY

Ki�e| D�jøL¨, Av�jvP¨ eë ’vw` bZzbi��c D™¢vweZ �mev ev c×wZi cÖPjb ev DbœqbK�Z �mev ev c×wZi cÖPj�bi

c~�e©B MÖnY Ki�Z n�e|

3.16 †MvcbxqZv iÿv :

m�›`nRbK �jb�`b ev Kvh©µg mbv³KiY ev wi�cvU© Kivi mv�_ mswkøó Kg©KZ©vMY welqwUi K�Vvi �MvcbxqZv

wbwðZ Ki�eb| Ab¨_vq welqwU gvwbjÛvwis cÖwZ�iva AvBb, 2012, aviv 6(3) Gi AvIZvq kvw Í�hvM¨ e�j

we�ewPZ n�e| wewfbœ mg�q weGdAvBBD KZ©�K hvwPZ ms�e`bkxj Z�_ï h_vh_ �MvcbxqZv wbwðZ Ki�Z n�e|

4| we‡`‡k Aew ’Z e¨vsK kvLv I mvewmwWqvix cÖwZôv‡bi †ÿ‡Î KiYxq :

(1) cÖwZwU e¨vsK we�`�k Aew ’Z Zv�ì kvLv I mvewmwWqvix cÖwZôv�bi �ÿ�Î gvwbjÛvwis cÖwZ�iva AvBb,

2012, mš¿vm we�ivax AvBb, 2009 I D³ AvB�bi AvIZvq RvixK�Z wewagvjvq ewY©Z weavbvejx Ges

weGdAvBBD KZ©�K mgq mgq RvixK�Z wb�`©kbvejxi h_vh_ cwicvjb wbwðZ Ki�e;

(2) we�`�k Aew ’Z kvLv ev mvewmwWqvix cÖwZôvb hw` �Kv�bv Kvi�Y gvwbjÛvwis cÖwZ�iva AvBb, 2012,

mš¿vm we�ivax AvBb, 2009 I D³ AvB�bi AvIZvq RvixK�Z wewagvjvq ewY©Z weavbvejx Ges

weGdAvBBD KZ©�K mgq mgq RvixK�Z wb�`©kbvejx h_vh_fv�e cwicvj�b Amg_© nq Z�e Zvi KviY

Awej�¤ weGdAvBBD�K AewnZ Ki�Z n�e; Ges

(3) GB mvKz©jv�i ewY©Z wb�`©kbv evsjv�`k e¨vsK KZ©�K jvB�mÝcÖvß �Kv�bv e¨vs�Ki Off-Shore

Banking Unit (OBU) �ÿ�ÎI cÖ�hvR¨ n�e|

23

http://www.fatf-gafi.org/publications/high-riskandnon-cooperativejurisdictions/?hf=10&b=0&s=desc(fatf_releasedate) 24

mkix�i Abycw¯’Z MÖvnK ej�Z H mKj MÖvnK�K eySv�e hviv e¨vsK kvLvq mkix�i Dcw¯’Z bv n�q e¨vs�Ki G�R�›Ui gva¨�g ev wb�Ri �ckv`vi cÖwZwbwai

(AvBbRxex, GKvD›U¨v›U BZ¨vw`) gva¨�g wnmve Ly�j _v�K Ges cwiPvjbv K�i _v�K|

13

5| ‡jb‡`b gwbUwis :

�jb�`b gwbUwis m�›`nRbK �jb�`b mbv³Ki�Yi GKwU ¸iæZ¡c~Y© Dcvq weavq cÖwZwU e¨vsK �K AZ¨šÍ m�PZbZv

I mZK©Zvi mv�_ MÖvn�Ki �jb�`bmg~n gwbUi Ki�Z n�e| �jb�`b gwbUwis Gi �ÿ�Î wb�¤œv³ welq¸�jv we�ePbv

Ki�Z n�e :

(1) cÖwZwU e¨vsK Mªvn�Ki �jb�`b wbqwgZ g¨vby�qj Ges/A_ev A�Uv�g�UW Dcv�q gwbUi Ki�e;

(2) mKj RwUj, A¯vfvweK Ges AvcvZ`�wó�Z �h mKj �jb�`�bi �Kv�bv Avw_©K ev �wóMÖvn¨ �ea D�Ïk¨ �bB

Gi�c �jb�`b AwaKZi ¸iæZ¡ mnKv�i gwbUi Ki�Z n�e;

(3) �jb�`b gwbUwis Gi �ÿ�Î e¨vsKmg~n kvLvq gvwbjÛvwis cÖwZ�iva AvBb, 2012, aviv 2(d)(C) G ewY©Z

Kvh©µg (Structuring) msMwVZ n�”Q wKbv Zv mbv³Ki�Y m�Pó _vK�e Ges cÖ�hvR¨ �ÿ�Î, G

mvKz©jv�i ewY©Z Aby�”Q` 7 Gi wb�`©kbv Abymv�i weGdAvBBD �Z wi�cvU© `vwLj Ki�e;

(4) �jb�`b gwbUwis Gi �ÿ�Î mKj cÖKvi �e�`wkK gy`ªvi �jb�`b Ges B�jKUªwbK Dcv�q msNwUZ mKj

�jb�`bmg~nI we�ePbv Ki�Z n�e; Ges

(5) �jb�`b gwbUwis Gi �ÿ�Î RvwZms�Ni wbivcËv cwil�ì mswkøó �iRÿjykb Ges �hme �`k gvwbjÛvwis

I mš¿vmx Kv�h© A_©vqb cÖwZ�iv�ai AvšÍR©vwZK gvb c~iY K�iwb ev Zvrch©c~Y© NvUwZ i�q�Q G msµvšÍ

welqvejx we�ePbvq wb�Z n�e|

6| bM` †jb‡`b wi‡cvU© (Cash Transaction Report-CTR) :

weGdAvBBD eive�i bM` �jb�`b `vwLj Kivi �ÿ�Î e¨vsKmg~n wb�¤œv³ welqvejx AbymiY Ki�e :

(1) cÖwZwU e¨vsK kvLvmg~�ni c~e©eZ©x gv�mi �`bw›`b �jb�`b cixÿv K�i �Kv�bv GKwU wnmv�e �Kv�bv GKwU

wbw`©ó w`�b GK ev GKvwaK �jb�`�bi gva¨�g Rgv ev D�Ëvj�bi (AbjvBb, GwUGgmn �h �Kv�bv

ai�Yi bM` Rgv ev D�Ëvjb) cwigvY hw` 10(`k) jÿ UvKv ev Z ~aŸ© A�_©i ev mgg~�jï �e�`wkK

gy`ªvq nq Z�e Zv ¯ ¯ gvwbjÛvwis I mš¿v�m A_©vqb cÖwZ�iva wefvM/wWwfkb Gi gva¨�g gvwmK wfwË�Z

weGdAvBBD eive�i bM` �jb�`b wi�cvU© wn�m�e `vwLj Ki�e;

(2) cÖwZ gv�mi bM` �jb�`b wi�cvU © cieZx© gv�mi 21 Zvwi�Li g�a¨ goAML web eënvi K�i goAML

Manual25

Gi wb�`©kbv �gvZv�eK `vwLj Ki�Z n�e;

(3) e¨vs�Ki �Kv�bv kvLvq Gi�c �Kv�bv �jb�`b msNwUZ bv n�j kvLv n�Z ÒbM` �jb�`b wi�cvU© �hvM¨ �Kv�bv

�jb�`b �bBÓ g�g© gvwbjÛvwis I mš¿v�m A_©vqb cÖwZ�iva wefvM/wWwfkb�K AewnZ Ki�Z n�e| ÒbM`

�jb�`b wi�cvU©Ó `vwL�ji mgq gvwbjÛvwis I mš¿v�m A_©vqb cÖwZ�iva wefvM/wWwfkb GmKj kvLvi GKwU

ZvwjKv ÒgoAML Message BoardÓ Gi gva¨�g weGdAvBBD�K AewnZ Ki�e;

(4) kvLv n�Z bM` �jb�`b wi�cvU© `vwLj Kivi c~�e© �jb�`bmg~n ch©v�jvPbv K�i �Kv�bv m�›`nRbK �jb�`b

msNwUZ n�q�Q wKbv Zv wPwýZ Ki�Z n�e I m�›`nRbK �jb�`b cwijwÿZ n�j c�_Kfv�e Òm�›`nRbK

�jb�`b wi�cvU©Ó wn�m�e gvwbjÛvwis I mš¿v�m A_©vqb cÖwZ�iva wWwfkb/wefv�M `vwLj Ki�Z n�e|

m�›`nRbK �jb�`b cwijwÿZ bv n�j bM` �jb�`b wi�cv�U©i mv�_ Òm�›`nRbK �jb�`b cvIqv hvqwbÓ

g�g© gvwbjÛvwis I mš¿v�m A_©vqb cÖwZ�iva wefvM/wWwfkb�K AewnZ Ki�Z n�e;

25 http://www.bb.org.bd/eservices.php I�qewjsK n�Z goAML mswkøó cÖ�qvRbxq Document WvDb�jvW Kiv hv�e|

https://mail.bb.org.bd/owa/redir.aspx?C=H2YUPLT3YUeK82zP3DR74WC_zBQTGtFIbr8lCFgbjw53wn0JkeZcS_uHKlXU_8o0nwKGdCjAOc0.&URL=http%3a%2f%2fwww.bb.org.bd%2feservices.php

14

(5) cÖ�Z¨K e¨vsK kvLvi bM` �jb�`b wi�cvU© gvwmK wfwË�Z mswkøó kvLvq msiÿY Ki�Z n�e| Z�e �Kv�bv

e¨vsK KZ©�K G msµvšÍ Z_¨ �K›`ªxqfv�e msiÿY Kiv n�j, we�kl cÖ�qvR�b (�jb�`b gwbUwis ev

wbqš¿YKvix KZ©�c�ÿi wbKU `vwLj BZ¨vw`) Zv�Z kvLvi cÖ�ekvwaKvi _vK�Z n�e| G msµvšÍ Z_¨vw`

weGdAvBBD G `vwL�ji gvm n�Z Kgc�ÿ 5(cuvP) eQi msiÿY Ki�e;

(6) �hme e¨vsK �K›`ªxqfv�e wi�cvU©�hvM¨ bM` �jb�`b AvniY K�i, �m�ÿ�Î gvwbjÛvwis I mš¿v�m A_©vqb

cÖwZ�iva wefvM/wWwfkb e¨vs�Ki wi�cvU©�hvM¨ mKj bM` �jb�`b ch©v�jvPbv K�i �Kv�bv m�›`nRbK

�jb�`b msNwUZ n�q�Q wKbv Zv wPwýZ Ki�e I m�›`nRbK �jb�`b cwijwÿZ n�j c�_Kfv�e

Òm�›`nRbK �jb�`b wi�cvU©Ó wn�m�e weGdAvBBD eivei `vwLj Ki�e| m�›`nRbK �jb�`b cwijwÿZ

bv n�j Òm�›`nRbK �jb�`b cvIqv hvqwbÓ g�g© cÖZ¨qb cÎ gvwmK ÒbM` �jb�`b wi�cvU©Ó `vwL�ji

mgq goAML Message Board Gi gva¨�g weGdAvBBD�K AewnZ Ki�e;

(7) miKvwi wnmve (wewfbœ gš¿Yvjq, ’vbxq miKvi I miKvix wewfbœ wefvM), miKvwi gvwjKvbvaxb cÖwZôvb,

Avav miKvwi ev ¯vqËkvwmZ cÖwZôv�bi wnmv�e bM` Rgvi �ÿ�Î bM` �jb�`b wi�cvU© `vwLj Kivi

cÖ�qvRb n�e bv, Z�e bM` D�Ëvj�bi �ÿ�Î h_vwbq�g bM` �jb�`b wi�cvU© `vwLj Ki�Z n�e; Ges

(8) AvšÍte¨vsK Ges AvšÍtkvLv bM` �jb�`�bi �ÿ�Î bM` �jb�`b wi�cvU© `vwLj Kivi cÖ�qvRb n�e bv|

7| m‡›`nRbK †jb‡`b wi‡cvU© (Suspicious Transaction Report-STR) :

weGdAvBBD eive�i m�›`nRbK �jb�`b `vwLj Kivi �ÿ�Î e¨vsKmg~n wb�¤œv³ welqvejx AbymiY Ki�e :

(1) gvwbjÛvwis cÖwZ�iva AvBb, 2012 Gi 25(1)(N) aviv Ges mš¿vm we�ivax AvBb, 2009 Gi 16(1)

avivq ewY©Z wb�`©k ev Íevq�bi wbwg�Ë e¨vs�Ki mKj Kg©KZ©v MÖvn�Ki �`bw›`b �jb�`b ev Kvh©µ�g

m�›`nRbK �jb�`b mbv³Ki�Y m�PZb I mZK© _vK�eb;

(2) m�›`nRbK �jb�`b mbv³Ki�Y e¨vsK Kg©KZ©vMY gvwbjÛvwis cÖwZ�iva AvBb, 2012 Gi 2(h) aviv Ges

mš¿vm we�ivax AvBb, 2009 Gi 2(16) avivq ewY©Z msÁv we�ePbv Ki�eb;

(3) e¨vsK kvLvi �Kv�bv Kg©KZ©v KZ�©K m�›`nRbK �jb�`b ev Kvh©µg wPwýZ nIqvi mv�_ mv�_ Zv kvLv

gvwbjÛvwis cÖwZ�iva cwicvjb Kg©KZ©v�K wjwLZfv�e AewnZ Ki�Z n�e| kvLv gvwbjÛvwis cÖwZ�iva

cwicvjb Kg©KZ©v wi�cvU©K�Z �jb�`b ev Kvh©µg Awej�¤ h_vh_fv�e we�kølY Ki�eb Ges ch©�eÿYmg~n

wek`fv�e wjwce× K�i msiÿY Ki�eb| ewY©Z �jb�`b ev Kvh©µgwU m�›`nRbK wn�m�e we�ewPZ n�j

Zv Awej�¤^ cÖ�qvRbxq `wjjvw`mn gvwbjÛvwis I mš¿v�m A_©vqb cÖwZ�iva wefvM/wWwfk�b �cÖiY Ki�Z

n�e;

(4) gvwbjÛvwis I mš¿v�m A_©vqb cÖwZ�iva wefvM/wWwfkb kvLv n�Z cÖvß m�›`nRbK �jb�`b ev Kvh©µgwU

h_vh_fv�e I cÖ�qvRbxq Z_¨-DcvË ev `wjjvw` mwbœ�ewkZ K�i wi�cvU© Kiv n�q�Q wK bv Zv

ch©v�jvPbvc~e©K Awej�¤ goAML web eënvi K�i Ges goAML Manual Gi wb�`©kbv Abymv�i

weGdAvBBD eivei m�›`nRbK �jb�`b /Kvh©µg wi�cvU© `vwLj Ki�e;

(5) kvLv ch©v�q �Kv�bv �jb�`b ev Kvh©µg m�›`nRbK wn�m�e wPwýZ bv n�jI gvwbjÛvwis I mš¿v�m

A_©vqb cÖwZ�iva wefvM/wWwfkb KZ�©K �Kv�bv �jb�`b ev Kvh©µg m�›`nRbK cÖZxqgvb n�j Zv

m�›`nRbK �jb�`b wi�cvU © wn�m�e weGdAvBBD eivei `vwLj Ki�Z n�e; Ges

(6) e¨vsKmg~n m�›`nRbK �jb�`b wi�cvU© Gi Z_¨vw` weGdAvBBD KZ©�K cieZ©x wb�`©kbv bv �`qv ch©šÍ

msiÿY Ki�e|

15

8| ‡mî G¨v‡mm‡g›U26

I BwÛ‡c‡Û›U †Uw÷s27

:

gvwbjÛvwis I mš¿vmx Kv�h© A_©vqb cÖwZ�iv�a GKwU Kvh©Kwi eë ’v cÖwZôvi j�ÿ¨ e¨vs�Ki Af¨šÍixY wbixÿv

wefv�Mi gva¨�g kvLvmg~n n�Z cÖvß �mî G¨v�mm�g›U msµvšÍ cÖwZ�e`b we�kølY Ges BwÛ�c�Û›U �Uw÷s

h_vh_fv�e m¤úbœ Kivi Rb¨ D³ wefvMwU�Z Ggbi�c ch©vß �jvKej wbwðZ Ki�Z n�e hv�ì gvwbjÛvwis I

mš¿v�m A_©vqb cÖwZ�iv�a we`¨gvb AvBb, wewagvjv, weGdAvBBD Gi wb�`©kbv Ges G welqK e¨vs�Ki wbR¯^

bxwZgvjv m¤ú�K© mg¨K Ávb i�q�Q|

8.1 kvLvmg~‡ni KiYxq :

(1) cÖwZwU kvLv KZ©�K �mî G¨v�mm�g›U Gi Rb¨ wba©vwiZ �PKwjó (cwiwkó ÔLÕ) Gi Dci wfwË K�i

lvb¥vwmK wfwË�Z wb�R�ì kvLvi g~j¨vqb Ki�Z n�e;

(2) Av�jvP¨ g~j¨vqb cÖwZ�e`b P~ovšÍ Kivi c~�e© kvLv eë ’vc�Ki mfvcwZ�Z¡ kvLvi mswkøó Kg©KZ©v�ì wb�q

mfv Ki�Z n�e| D³ mfvq kvLv g~j¨vqb cÖwZ�e`�bi Lmovi Dci Av�jvPbv Ki�Z n�e, wPwýZ mgm¨v

kvLv ch©v�q mgvavb Kiv m¤¢eci bv n�j kvLv KZ©�K Awej�¤ eë ’v MÖnYc~e©K P~ovšÍ Ki�Z n�e Ges

P~ovšÍ cÖwZ�e`�b mycvwik wjwce× Ki�Z n�e| gvwbjÛvwis I mš¿vmx Kv�h© A_©vqb cÖwZ�iva welqK

cieZ©x �ÎgvwmK mfv¸�jv�Z GZ`mswkøó wel�qi AMÖMwZ wb�q Av�jvPbv Ki�Z n�e; Ges

(3) cÖwZwU lvb¥vwmKKvj mgvß nIqvi cieZx© gv�mi 15 Zvwi�Li g�a¨ �mî G¨v�mm�g›U msµvšÍ cÖwZ�e`b,

G wel�q kvLv KZ©�K M�nxZ/M�nxZe¨ Kvh©µ�gi weeiY I mycvwikmn cÖavb Kvh©vj�qi Af¨šÍixY wbixÿv

wefvM I gvwbjÛvwis I mš¿v�m A_©vqb cÖwZ�iva wefvM/wWwfk�b �cÖiY Ki�Z n�e |

8.2 Af¨šÍixY wbixÿv wefv‡Mi KiYxq :

(1) Af¨šÍixY wbixÿv wefvM KZ©�K kvLvmg~n n�Z cÖvß �mî G¨v�mm�g›U msµvšÍ cÖwZ�e`b hvPvB K�i �Kv�bv

kvLvq �Kv�bv SuywKc~Y© welq cwijwÿZ n�j ZvrÿwYKfv�e kvLvwU cwi`k©�bi eë ’v Ki�Z n�e Ges

welqwU gvwbjÛvwis I mš¿v�m A_©vqb cÖwZ�iva wefvM/wWwfkb�K AewnZ Ki�Z n�e;

(2) Af¨šÍixY wbixÿv wefvM Zv�ì wbR¯ Ges wbqwgZ evwl©K cwi`k©b/wbixÿv Kg©m~Px Abymv�i wewfbœ kvLvi

cwi`k©b/wbixÿv Kvh©µg m¤úv`bKv�j BwÛ�c�Û›U �Uw÷s cÖwmwWDi Gi wba©vwiZ �PKwj�ói (cwiwkó

ÒMÓ) wfwË�Z mswkøó kvLvi gvwbjÛvwis I mš¿vmx Kv�h© A_©vqb cÖwZ�iva Kvh©µg mswkøó welqvw` cixÿv

Ki�e I kvLvi �iwUs wbav©iYc~e©K mswkøó kvLvi cÖwZ�e`b cÖYqb Ki�e| GQvov, wbqwgZ evwl©K

cwi`k©b/wbixÿv Kg©m~Pxi AwZwi³ Kgc�ÿ 10% kvLvq c�_K cwi`k©b Kg©m~Pxi AvIZvq BwÛ�c�Û›U

�Uw÷s cÖwmwWDi Gi wba©vwiZ �PKwjó (cwiwkó ÒMÓ) Gi wfwË�Z mswkøó kvLvi gvwbjÛvwis I mš¿vmx

Kv�h© A_©vqb cÖwZ�iva Kvh©µg msµvšÍ cwicvjbxq welqvw` cixÿv Ki�e I kvLvi �iwUs wbav©iYc~e©K

cÖwZ�e`b cÖYqb Ki�e;

(3) Af¨šÍixY wbixÿv wefvM cwi`wk©Z/wbixwÿZ kvLvmg~�ni �iwUs m¤wjZ cÖwZ�e`�bi Kwc e¨vs�Ki

gvwbjÛvwis I mš¿v�m A_©vqb cÖwZ�iva wefvM/wWwfkb eive�i �cÖiY Ki�e; Ges

26

�mî G¨v�mm�g›U ej�Z G mvKz©jv�ii mv�_ mshy³ cwiwkó-L �gvZv�eK kvLv KZ©�K wbR¯ gvwbjÛvwis cÖwZ�iva cwicvjb Ae¯’v hvPvB

Kiv�K �evSv�e| 27

BwÛ�c�Û›U �Uw÷s ej�Z G mvKz©jv�ii mv�_ mshy³ cwiwkó-M �gvZv�eK e¨vs�Ki Af¨šÍixb wbixÿv wefvM KZ©�K kvLvi gvwbjÛvwis

cÖwZ�iva cwicvjb Ae¯’v hvPvB Kiv�K �evSv�e|

16

(4) G�R›U e¨vswKs Kvh©µ�g wb�qvwRZ e¨vsKmg~�ni �ÿ�Î Af¨šÍixY wbixÿv wefvM Zv�ì G�R›U�ì

gvwbjÛvwis I mš¿vmx Kv�h© A_©vqb cÖwZ�iva Kvh©µg mswkøó welqvwì cwicvjb Ae¯’v hvPvB�qi wbwg�Ë

evwl©K wfwË�Z b~¨bZg 10% G�R�›Ui Dci cwi`k©b/wbixÿv Kvh©µg cwiPvjbv Ki�e Ges GmsµvšÍ

cÖwZ�e`�bi Kwc gvwbjÛvwis I mš¿v�m A_©vqb cÖwZ�iva wefvM/wWwfk�b �cÖiY Ki�e|

8.3| gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iva wWwfkb/wefv‡Mi KiYxq :

(1) gvwbjÛvwis I mš¿v�m A_©vqb cÖwZ�iva wefvM/wWwfkb kvLvmg~n n�Z cÖvß �mî G¨v�mm�g›U msµvšÍ

cÖwZ�e`b Ges e¨vs�Ki Af¨šÍixY wbixÿv wefvM KZ©�K `vwLjK�Z cwi`k©b/wbixÿv cÖwZ�e`�bi Dci wfwË

K�i we�eP¨ lvb¥vwm�K cwi`wk©Z kvLvmg~�ni �PKwj÷ wfwËK g~j¨vqb cÖwZ�e`b28

cÖ ‘Z Ki�e| D³

cÖwZ�e`�b Ab¨vb¨ wel�qi mv�_ Avewk¨Kfv�e wb�gœi welqmg~n AšÍf©y³ _vK�e :

(K) �gvU kvLvi msL¨v Ges kvLv n�Z cÖvß �gvU �mî G¨v�mm�g›U msµvšÍ cÖwZ�e`�bi msL¨v;

(L) wi�cvU©Kv�j Af¨šÍixY wbixÿv wefvM KZ©�K cwi`wk©Z/wbixwÿZ kvLvi msL¨v Ges kvLvmg~�ni

Ae¯’v (kvLvIqvix cÖvß b¤î);

(M) cÖvß �mî G¨v�mm�g›U msµvšÍ cÖwZ�e`�b AwaK msL¨K kvLvq GKB ai�bi �h mKj Awbq�gi

welq D�jøL i�q�Q Zv D�jøLc~e©K H mKj Awbqg �iv�a gvwbjÛvwis I mš¿v�m A_©vqb cÖwZ�iva

wefvM/wWwfkb KZ©�K M�nxZ eë ’v;

(N) Af¨šÍixY wbixÿv wefvM KZ©�K `vwLjK�Z cÖwZ�e`�b DwjøwLZ mvaviY I we�kl Awbqgmg~n Ges

H mKj Awbqg �iv�a gvwbjÛvwis I mš¿v�m A_©vqb cÖwZ�iva wefvM/wWwfkb KZ©�K M�nxZ eë ’v; Ges

(O) cÖvß wi�cv�U© ÒAm�šÍvlRbKÓ I ÒcÖvwšÍKÓ wn�m�e g~j¨vwqZ kvLvmg~�ni cwicvjb wbwðZKiY I

�iwUs DbœqbK�í M�nxZ eë ’v|

(2) kvLvmg~n n�Z cÖvß �mî G¨v�mm�g›U msµvšÍ cÖwZ�e`b hvPvB K�i �Kv�bv kvLvq �Kv�bv SuywKc~Y© welq

cwijwÿZ n�j ZvrÿwYKfv�e kvLvwU cwi`k©b ev Af¨šÍixY wbixÿv wefv�Mi gva¨�g cwi`k©�bi eë ’v

Ki�Z n�e Ges welqwU Dchy³ KZ©�c�ÿi bR�i Avb�Z n�e|

9| Aq¨vi UªvÝdvi (Wire transfer) :

ÒAq¨vi UªvÝdvi (Wire transfer)Ó ej�Z Ggb Avw_©K �jb�`b�K eySv�e hv�Z �Kv�bv Av�e`bKvix e¨w³ ev

cÖwZôv�bi Aby�iv�a �Kv�bv e¨vsK ev Avw_©K cÖwZôvb B�j±ªwbK gva¨g eënvi K�i Aci �Kv�bv e¨vsK ev

cÖwZôv�bi kvLvi mnvqZvq �ewbwdwkqvwi e¨w³ ev cÖwZôvb�K A_© cÖ`vb K�i|

9.1 mKj ai‡bi Aq¨vi UªvÝdv‡ii †ÿ‡Î wb‡¤œv³ Z_¨vejx MÖnY wbwðZ Ki‡Z n‡e :

(1) AvšÍt‡`kxq Aq¨vi UªvÝdvi29

:

(K) mvaviY ev we�kl AbygwZi AvIZvq Ab~¨b 1,000(GK nvRvi) ev Z`~aŸ© cwigvY gvwK©b Wjvi ev

mgg~�jï �e�`wkK gy`ªvq AvšÍt�`kxq Aq¨vi UªvÝdv�ii �ÿ�Î Av�e`bKvixi30

mwVK31

Z_¨

28 G mvKz©jv�ii Aby�”Q` 1.3(3) G DwjøwLZ cÖwZ�e`�bi Abyi�c|

29ÒAvšÍt�`kxq Aq¨vi UªvÝdvi (Cross-border wire transfer)Ó ej�Z Gi�c Avw_©K �jb�`b�K eySv�e �h �ÿ�Î Av�e`bKvix Ges

�ewbwdwkqvix wfbœ wfbœ �`�k Ae¯’vb K�i| ZvQvov ci¯úi m¤úK©hy³ GKvwaK UªvÝdv�ii �ÿ�Î b~¨bc�ÿ GKwU �jb�`b �`�ki evB�i

m¤úvw`Z n�j ZvI AvšÍt�`kxq Aq¨vi UªvÝdvi g�g© MY¨ n�e|

17

msMÖn, msiÿY Ges D³ Z_¨ B›UviwgwWqvwi/�ewbwdwkqvwi e¨vs�K �cÖiY Ki�Z n�e| GQvovI

ewY©Z mxgvi bx�Pi �jb�`bmg~�ni �ÿ�Î Av�e`bKvixi Gi�c msiÿY Ki�Z n�e hv�Z

Av�e`bKvix�K mbv³ Kiv m¤¢e nq;

(L) AvšÍt�`kxq Aq¨vi UªvÝdv�ii A_© �ewbwdwkqvwi32

�K cÖ`v�bi �ÿ�Î �ewbwdwkqvwi m¤úwK©Z Z_¨

msiÿY Ki�Z n�e; Ges

(M) �h mKj �ÿ�Î GKK Av�e`bKvix KZ©�K GKvwaK AvšÍt�`kxq Aq¨vi UªvÝdv�ii gva¨�g GKvwaK

�ewbwdwmqvwii AbyK��j e¨vP dvB�j ¸”QvKv�i (Bundled in a batch file) �cÖiY Kiv nq �m

mKj �ÿ�Î e¨vP dvB�j Av�e`bKvixi mwVK I �ewbwdwmqvixi c~Y©v½ Z_¨ AšÍf©y³ Ki�Z n�e|

GQvov, Av�e`bKvixi wnmve b¤iI G�ÿ�Î e¨vsK AšÍf©y³ Ki�e|

(2) Af¨šÍixY Iq¨vi UªvÝdvi33

:

(K) e¨vsK KZ�©K m¤úvw`Z Af¨šÍixY Aq¨vi UªvÝdv�ii �ÿ�Î Av�e`bKvix ev �ewbwdwkqvwii cwiwPwZ

msµvšÍ Z_¨ MÖnY I hvPvB�qi �ÿ�Î G mvKz©jv�ii Aby�”Q` 3 G ewY©Z cÖ�hvR¨ wb�`©kbvmg~n

cwicvjb Ki�Z n�e;

(L) �WweU ev �µwWU KvW© eënvi K�i Aq¨vi UªvÝdv�ii �ÿ�Î (cY¨ I �mev µq e¨ZxZ) cwi�kva

msµvšÍ BÝUªvKkb/evZ©vq Dc�ii 2(K) Gi Abyi�c Z_¨ msiÿY Ki�Z n�e; Ges

(M) miKvwi/AvavmiKvwi/¯vqËkvwmZ cÖwZôv�bi AbyK��j Aq¨vi UªvÝdv�ii �ÿ�Î Dchy©³

wb�`©kbvmg~�ni cwicvjb eva¨Zvg~jK bq| AvšÍte¨vsK �jb�`b Kvh©µ�gi �ÿ�Î Dc�ii 2(K)

`dvq ewY©Z wb�`©kbv cwicvjb Ae¨vnwZ�hvM¨ we�ewPZ n�e|

9.2 Aq¨vi UªvÝdvi msµvšÍ Ab¨vb¨ wb‡`©kbv :

(1) GZ`&mswkøó Kvh©µg cwiPvjbvKv�j mswkøó mKj cÿ�K Avewk¨Kfv�e evsjv�`k e¨vsK KZ©�K Bmy¨K�Z

wb�`©kbv; G BDwbU KZ©�K mg�q mg�q RvixK�Z wb�`©kbv Ges G m¤úwK©Z me AvBb ev wewaweavb

h_vixwZ AbymiY Ki�Z n�e; Ges

(2) AvšÍt�`kxq Aq¨vi UªvÝdvi Ges Af¨šÍixY Aq¨vi UªvÝdv�ii �ÿ�Î G mvKz©jv�ii 2(3) Ges 10 b¤i

Aby�”Q�` ewY©Z wb�`©kbvi cwicvjb Ki�Z n�e|

30

ÒAv�e`bKvix (Applicant/originator)Ó ej�Z Ggb �Kv�bv e¨w³ ev cÖwZôvb�K (wnmveavix wKsev wnmveavix bb) eySv�e hvi Aby�iv�ai

m~�Î mswkøó e¨vsK ewY©Z Aq¨vi UªvÝdvi Kvh© m¤úv`b K�i|

31

Av�e`bKvixi mwVK Z_¨ ej�Z Av�e`bKvixi bvg Ges wVKvbv ev RvZxq cwicÎ ev Rb¥ZvwiL m¤úwK©Z Gi�c Z_¨�K �evSv�e hvi mwVKZv

hvPvB Kiv n�q�Q|

32Ò�ewbwdwkqvix (Beneficiary)Ó ej�Z Ggb �Kv�bv e¨w³ ev cÖwZôvb�K (wnmveavix wKsev wnmveavix bb) eySv�e hvi AbyK��j A_© �cÖiY Kiv

nq| 33

ÒAf¨šÍixb Aq¨vi UªvÝdvi (Domestic wire transfer)Ó ej�Z Gi�c �jb�`b�K eySv�e �h�ÿ�Î Av�e`bKvix I �ewbwdwkqvix GKB �`�k

Ae¯’vb K�i| G�ÿ�Î ci¯úi m¤úK©hy³ GKvwaK UªvÝdv�i eëüZ cÖwµqv Ab¨ �Kv�bv �`�k m¤úbœ n�jI Zv Af¨šÍixY Aq¨vi UªvÝdvi g�g©

MY¨ n�e|

18

9.3 AW©vwis, B›UviwgwWqvix I ‡ewbwdwkqvwi e¨vs‡Ki KiYxq :

(1) AW©vwis e¨vsK : AW©vwis e¨vsK�K Aq¨vi UªvÝdvi msµvšÍ �jb�`�bi �ÿ�Î Av�e`bKvixi mwVK Ges c~Y©v½

Z_¨ wbwðZ Ki�Z n�e| GQvov AW©vwis e¨vsK�K �ewbwdwkqvwii A_©en Z_¨ msMÖn Ki�Z n�e| Gme

Z_¨ b~¨bZg 05 (cvuP) eQi msiÿY Ki�Z n�e Ges Dchy³ KZ©�c�ÿi Aby�iv�a Zv Awej�¤ mieivn

Ki�Z n�e|

(2) B›UviwgwWqvix e¨vsK :

(K) AvšÍt�`kxq Ges Af¨šÍixY Dfq ai�bi Aq¨vi UªvÝdv�ii �ÿ�Î AW©vwis e¨vsK I �ewbwdwkqvwi

e¨vs�Ki gv�S �Kv�bv e¨vsK �h �Kv�bv ai�Yi B›UviwgwWqvix wn�m�e Kvh© m¤úv`bKv�j D³ e¨vsK

KZ©�K Av�e`bKvix Ges �ewbwdwkqvwi m¤úwK©Z Z_¨vw` msiÿY wbwðZ Ki�Z n�e| Av�e`bKvix

Ges �ewbwdwkqvwi m¤úwK©Z Ach©vß Z_¨vw` wPwýZ Kivi Rb¨ h_vh_ eë ’v MÖnY Ki�e| GQvovI

AW©vwis e¨vsK (cÖ�hvR¨ �ÿ�Î Ab¨ �Kv�bv B›UviwgwWqvix e¨vsK) n�Z cÖvß Z_¨ B›UviwgwWqvix

e¨vsK/ cÖwZôvb KZ©�K b~¨bZg 05 (cvuP) eQi msiÿY Ki�Z n�e; Ges

(L) cÖwZwU B›UviwgwWqvix e¨vsK KZ©�K Aq¨vi UªvÝdvi m¤úv`�bi �ÿ�Î Av�e`bKvix ev �ewbwdwkqvwii

Z�_ï Afv�e D³ UªvÝdvi m¤úv`b ev ’wMZKiY ev iwnZKiY Ges cÖ�qvRbxq d�jvAvc

Kvh©µ�gi Rb¨ mswkøó e¨vs�K GKwU SuywKwfwËK bxwZgvjv I c×wZ _vK�Z n�e|

(3) ‡ewbwdwkqvwi e¨vsK :

(K) Aq¨vi UªvÝdvi msµvšÍ �jb�`b Kvh©µ�g RwoZ �ewbwdwkqvwi e¨vsK�K Av�e`bKvixi ev

�ewbwdwkqvwii c~Y©v½ Z�_ï �Kv�bv NvUwZ Av�Q wK bv Zv hvPvB Kivi Rb¨ GKwU SzuwKwfwËK

c×wZi cÖeZ©b Ki�Z n�e| �ewbwdwkqvwii c~Y©v½ Z�_ï �Kv�bv NvUwZ A_ev cwiwPwZ hvPvB bv

Kiv n�q _vK�j {Ab~¨b 1,000(GK nvRvi) ev Z`~aŸ© cwigvY gvwK©b Wjvi ev mgZzj¨ cwigvY

�e�`wkK gy`ªvi �jb�`�bi �ÿ�Î} c Ö�qvRb�ev�a mswkøó cÿmg~n cvi¯úwiK �hvMv�hv�Mi gva¨�g ev

Ab¨vb¨ m~Î eënvi K�i Z_¨ msMÖn Ki�e ev cwiwPwZ hvPvB Ki�e| cÖvcK/ �ewbwdwkqvix�K A_©

cwi�kv�ai mgq �ewbwdwkqvwi e¨vsK�K cÖvcK/ �ewbwdwkqvwii c~Y©v½ I mwVK Z_¨ msMÖn I mswkøó

Z_¨ b~¨bZg 05 (cvuP) eQi msiÿY Ki�Z n�e; Ges

(L) cÖwZwU �ewbwdwkqvwi e¨vsK KZ©�K Aq¨vi UªvÝdvi m¤úv`�bi �ÿ�Î Av�e`bKvix ev �ewbwdwkqvwii

Z�_ï Afv�e D³ UªvÝdvi m¤úv`b ev ’wMZKiY ev iwnZKiY Ges cÖ�qvRbxq d�jvAvc

Kvh©µ�gi Rb¨ mswkøó e¨vs�K GKwU SuywKwfwËK bxwZgvjv I c×wZ _vK�Z n�e|

10| mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A‡¯¿i we Ív‡i A_©vqb cÖwZ‡iva (Prevention of Financing

of Terrorism and Financing of Proliferation of Weapons of Mass Destruction) t

RvwZms�Ni wbivcËv cwil�ì mš¿vmx Kv�h© A_©vqb I e¨vcK aŸsmvZ¥K A ¿ we Ív�i A_©vqb msµvšÍ

�iRyjykbmg~�ni ev¯Íevq�bi Rb¨ wb�¤œv³ c`�ÿc MÖnY Ki�e :

(1) cÖ�Z¨K e¨vsK cwiPvjbv cl©�ì Aby�gv`bµ�g mš¿vmx Kv�h© A_©vqb I e¨vcK aŸsmvZ¥K A ¿ we Ív�i

A_©vqb msµvšÍ �jb�`b cÖwZ�iva I mbv³ Kivi j�ÿ¨ GKwU c×wZ cÖwZôv Ki�e, e¨vs�Ki Kg©KZ©v�ì

`vq-`vwqZ¡ m¤úwK©Z wb�`©kbv Rvix Ki�e, mgq mgq Zv ch©v�jvPbv Ki�e Ges weGdAvBBD KZ�©K

RvixK�Z wb�`©kbv h_vh_fv�e cwicvjb Kiv n�”Q wKbv Zv wbwðZ Ki�e;

19

(2) mš¿vmx Kv�h© A_©vqb I e¨vcK aŸsmvZ¥K A ¿ we Ív�i A_v©qb m¤úwK©Z msev` MYgva¨�g cÖKvk nevi mv�_

mv�_ D³ Kg©Kv�Ûi mv�_ RwoZ �Kv�bv e¨w³ ev mËvi �Kv�bv e¨vsK wnmve cwiPvwjZ n�q _vK�j G

welqK we ÍvwiZ Z_¨ mswkøó e¨vsK KZ©�K Awej�¤ weGdAvBBD eive�i �cÖiY Ki�Z n�e;

(3) cÖwZwU e¨vsK RvwZms�Ni wbivcËv cwil�ì wewfbœ �iRyjyk�bi AvIZvq mš¿vm, mš¿vmx Kv�h© A_©vqb I

e¨vcK aŸsmvZ¥K A ¿ we Ív�i A_©vq�b RwoZ m�›`�n ZvwjKvfy³ �Kv�bv e¨w³ ev mËv Ges evsjv�`k

miKvi KZ©�K ZvwjKvfy³ �Kv�bv e¨w³ ev wbwl× �NvwlZ mËvi nvjbvMv` Z_¨ B�j±ªwbK c×wZ�Z msiÿY

Ki�e| RvwZms�Ni wbivcËv cwil�ì wewfbœ �iRyjyk�bi AvIZvq ZvwjKvfy³ e¨w³ ev mËv Ges

evsjv�`k miKvi KZ©�K ZvwjKvfy³ �Kv�bv e¨w³ ev wbwl× �NvwlZ mËvi msÁv G mvKz©jv�ii 2(2)

Aby�”Q�` cÖ`vb Kiv n�q�Q;

(4) cÖwZwU e¨vsK RvwZms�Ni wbivcËv cwil�ì �Kv�bv �iRyjyk�bi AvIZvq ev evsjv�`k miKvi KZ©�K

ZvwjKvfz³ ev wbwl× �NvwlZ �Kv�bv e¨w³ ev mËvi bv�g A_ev cÖZ¨ÿ ev c�ivÿfv�e Zv�ì wbqš¿Yvaxb

A_ev �Kv�bv mn�hvMx e¨w³ ev mËvi bv�g e¨vsK wnmve i�q�Q wKbv ev �Kv�bv �jb�`b msNwUZ n�q�Q

wKbv Zv wPwýZ Kivi Rb¨ wbqwgZ �jb�`b gwbUi Ki�e Ges cÖ�qvR�b �jb�`b ch©v�jvPbv Ki�e I

False Positive34

msµvšÍ Z_¨ msiÿY Ki�e| ZvwjKvfz³ ev wbwl× �NvwlZ �Kv�bv e¨w³ ev mËv A_ev

cÖZ¨ÿ ev c�ivÿfv�e Zv�ì wbqš¿Yvaxb A_ev �Kv�bv mn�hvMx e¨w³ ev mËvi �Kv�bv e¨vsK wnmve ev

�jb�`b35

wPwýZ nIqvi mv�_ mv�_ mswkøó e¨vsK D³ wnmv�ei �jb�`b ev �jb�`bwU ’wMZ K�i cieZx©

Kg© wè�mi g�a¨ G welqK we ÍvwiZ Z_¨ weGdAvBBD�K AewnZ Ki�e; Ges

(5) RvwZms�Ni wbivcËv cwil` KZ�©K M�nxZ �iRyjykb 1373 (2001) Gi AvIZvq we�`kx miKvi ev

we�`kx GdAvBBD Gi Aby�iv�a weGdAvBBD n�Z �cÖwiZ ev D³ �iRyjyk�bi AvIZvq evsjv�`k miKvi

KZ©�K ZvwjKvfy³ ev wbwl× �NvwlZ �Kv�bv e¨w³ ev mËvi mv�_ e¨vsK wnmve ev Ab¨ �Kv�bv m¤úK© i�q�Q

wKbv Zv wPwýZ Kivi Rb¨ e¨vsK wbqwgZ �jb�`b gwbUi Ki�e Ges cÖ�qvR�b �jb�`b ch©v�jvPbv Ki�e|

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Ki�e|

11| wb‡qvM I cÖwkÿY :

11.1 wb‡qvM :

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wb�qv�Mi �ÿ�Î e¨vsKmg~n wb�¤œv³ welqvejx we�ePbv Ki�e :

(1) wb�qvM cÖwµqvq h_vh_ hvPvB cÖwµqv (Screening Mechanism) AbymiY Ki�e; Ges

(2) gvwbjÛvwis I mš¿v�m A_©vqb cÖwZ�iva wWwfkb/wefv�M Dchy³ msL¨K mg¨K wel�q `ÿ Kg©KZ©vi c`vqb

Ki�e|

34

False positive means a situation whereby a freeze action is taken on the basis of available information and upon further

inquiry and receipt of additional clarifying information, such freeze action is determined not to be the correct course of

action. An example is a freeze action taken on the basis of mistaken identity. 35

e¨vsK wnmve ev �jb�`b wPwýZ Kivi �ÿ�Î e¨vsK KZ�©K cÖ`Ë mKj cÖKvi �mev cÖ`vb we�eP¨ n�e|

20

11.2 cÖwkÿY- e¨vsK Kg©KZ©v :

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wbwðZ Kivi j�ÿ¨ e¨vsKmg~n wb�¤œv³ c`�ÿc MÖnY Ki�e :

(1) mKj Kg©KZ©v�ì gvwbjÛvwis, mš¿vmx Kv�h© A_©vqb I e¨vcK aŸsmvZ¥K A�¯¿i we Ív�i A_©vqb cÖwZ�iva

mswkøó wel�q Dchy³ cÖwkÿY36

cÖ v�bi eë ’v Ki�e ;

(2) cÖavb Ges DccÖavb gvwbjÛvwis cÖwZ�iva cwicvjb Kg©KZ©v Ges mswkøó Ab¨vb¨ Kg©KZ©vM�Yi Kg©`ÿZv

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(3) GQvovI e¨vsK cÖwkÿY msµvšÍ Z_¨ I `wjjvw` msiÿY Ki�e|

11.3 wkÿY- e¨vsK MÖvnK :

gvwbjÛvwis, mš¿vmx Kv�h© A_©vqb I e¨vcK aŸsmvZ¥K A� ¿i we Ív�i A_©vqb cÖwZ�iva wel�q MÖvnK�ì m�PZbZv

e�w×i j�ÿ¨ e¨vsKmg~n wb�¤œv³ c`�ÿcmg~n MÖnY Ki�e t

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m�PZbZvg~jK weÁvcb, Z_¨wPÎ BZ¨vw` cÖPv�ii eë¯’v Ki�e|

12| ‡iKW© Ges cÖ‡qvRbxq Z_¨/`wjjvw` msiÿY :

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ermi msiÿY Ki�e :

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e¨vs�Ki mvwe©K cwicvjb Ae ’vi wel�q �Kv�bv cÖwZ�e`b cÖYxZ n�j G mKj Z_¨vw`/`wjjvw`; Ges

(M) Walk-in Customer KZ�©K msNwUZ �jb�`b msµvšÍ Z_¨vw` ev `wjjvw`|

(2) gvwbjÛvwis I mš¿v�m A_©vqb msµvšÍ cÖwkÿY, mfv, wbixÿv/cwi`k©b Ges we�kl cwi`k©b msµvšÍ Z_¨ I

`wjjvw` msiÿY Ki�e; Ges

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n�e Ges msiwÿZ mKj Z_¨vw` I `wjjvw` weGdAvBBD Gi Pvwn`v ev wb�`©kbv �gvZv�eK mieivn Ki�Z

n�e|

13| Ab¨vb¨ :

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weGdAvBBD mvKz©jvi b¤i-10 G ewY©Z mKj wb�`©kbv Ges Ab¨vb¨ wb�`©kbv G mvKz©jvi Øviv cÖwZ ’vwcZ

e�j MY¨ n�e;

36

Dchy³ cÖwkÿY ej�Z wewfbœ ¯Í�ii Ges wewfbœ wefv�Mi Kg©KZ©v�ì Rb¨ wewfbœ ai�Yi (Target Oriented) cÖwkÿY Ges GKwU wbw`©ó mgq

AšÍi AšÍi Refresher Training �K eySv�e|

21

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(3) G mvKz©jv�ii wb�`©kbvmg~n Awej�¤^ Kvh©Ki n�e|

Avcbv�ì wek¦¯Í,

ms�hvRbx t �gvU 15 (c�bi) c�ôv|

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(�gvt gvmy` ivbv)

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�dvb : 255665001-20/20290

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weGdAvBBD mvKz©jvi �jUvi bs- 01 16 Rvbyqvwi, 2017 Awfbœ wnmve �Lvjvi dig cÖm�½|

weGdAvBBD mvKz©jvi �jUvi bs- 03 30 Rvbyqvwi, 2017 weGdAvBBD mvKz©jvi �jUvi bs- 01 Gi ms�kvabx cÖm�½|

1

cwiwkó-K

ANTI-MONEY LAUNDERING & COMBATING FINANCING of TERRORISM

QUESTIONNAIRE FOR CORESPONDENT RELATIONSHIP

A. BASIC INFORMATION

1. Name of 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? Yes / No

B. OWNERSHIP / MANAGEMENT

7. Is your institution listed on any stock exchange?

If so, which stock exchange?

___________________________________________________

Yes / No

8. If „‟No‟‟ 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

If you answer “no” to any question, additional information can be supplied at the end of the questionnaire.

I. General AML&CFT Policies, Practices and Procedures:

9. Does your institution have in place policies and procedures approved

by your institution‟s board or senior management to prevent Money

Laundering and Combat Financing of Terrorism?

Yes / No

10. 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?

Yes / No

11. Has your institution developed written policies documenting the

processes that they have in place to prevent, detect and report

suspicious transactions?

Yes / No

12. 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.)

Yes / No

13. Does your institution permit the opening of anonymous or numbered

accounts by customers?

Yes / No

14. 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?

Yes / No

2

15. Does your institution have policies covering relationships with

Politically Exposed Persons (PEP‟s), their family and close

associates?

Yes / No

16. Does your institution have policies and procedures that require

keeping all the records related to customer identification and their

transactions?

If „‟Yes‟‟, for how long?____________________________________

Yes / No

II. Risk Assessment

17. Does your institution have a risk-based assessment of its customer

base and their transactions?

Yes / No

18. Does your institution determine the appropriate level of enhanced

due diligence necessary for those categories of customers and

transactions that the FI has reason to believe pose a heightened risk

of illicit activities at or through the FI?

Yes / No

III. Know Your Customer, Due Diligence and Enhanced Due Diligence

19.

Has your institution implemented processes for the identification of

those customers on whose behalf it maintains or operates accounts or

conducts transactions?

Yes / No

20. Does your institution have a requirement to collect information

regarding its customers‟ business activities?

Yes / No

21. Does your institution have a process to review and, where

appropriate, update customer information relating to high risk client

information?

Yes / No

22. Does your institution have procedures to establish a record for each

new customer noting their respective identification documents and

„Know Your Customer‟ information?

Yes / No

23. Does your institution complete a risk-based assessment to understand

the normal and expected transactions of its customers?

Yes / No

IV. Reportable Transactions for Prevention and Detection of ML/TF

24. Does your institution have policies or practices for the identification

and reporting of transactions that are required to be reported to the

authorities?

Yes / No

25. Where cash transaction reporting is mandatory, does your institution

have procedures to identify transactions structured to avoid such

obligations?

Yes / No

26. Does your institution screen customers and transactions against lists

of persons, entities or countries issued by government/competent

authorities or under the UN security Council Resolution?

Yes / No

3

27. 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?

Yes / No

IV. Transaction Monitoring 28. 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?

Yes / No

V. AML Training 29. Does your institution provide AML& CFT training to relevant

employees of your organisation?

Yes / No

30. Does your institution communicate new AML related laws or

changes to existing AML related policies or practices to relevant

employees?

Yes / No

31. Does your institution provide AML training to relevant third parties

if they are employed to carry out some of the functions of your

organisation?

Yes / No

Space for additional information:

(Please indicate which question the information is referring to.)

..........................................................................................................................................................................

..........................................................................................................................................................................

D. GENERAL

32. Does the responses provided in this Declaration applies to the

following entities:

Head Office and all domestic branches

Overseas branches

Domestic subsidiaries

Overseas subsidiaries

Yes / No

If the response to any of the above is „‟No‟‟, 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 No: ____________________________________

Email: ___________________________________

cwiwkó-L

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KZ©„K mgq mgq RvixK…Z wb‡`©kbv I e¨vs‡Ki wbR¯ gvwb jÛvwis cÖwZ‡iva I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva bxwZgvjvi

Av‡jv‡K wbgœewY©Z cÖkœgvjvi we¯ÍvwiZ DËi cÖ`v‡bi gva¨‡g Self Assessment c×wZ‡Z wb‡R‡ì Ae¯’vb wbY©q Ki‡e t

cÖkœgvjv hvPvB‡qi gvb`Û kvLvi eZ©gvb Ae¯’v M„nxZe¨ Kvh©µg/mycvwik

1. kvLvq †gvU Kg©KZ©vi msL¨v KZ

(c`vbyhvqx)? KZRb Kg©KZ©v gvwbjÛvwis

cÖwZ‡iva I mš¿v‡m A_©vqb cÖwZ‡iva

welqK AvbyôvwbK cÖwkÿY MÖnY

K‡i‡Qb ? (kZKiv nvi)

cÖwkÿY msµvšÍ †iKW©

hvPvB Ki‡Z n‡e|

2.K) kvLvi gvwbjÛvwis cÖwZ‡iva cwicvjb

Kg©KZ©v (BAMLCO) ‡Rô¨ I AwfÁ

wKbv? weMZ yB eQ‡i wZwb gvwbjÛvwis

cÖwZ‡iva I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva

welqK †Kvb cÖwkÿY †c‡q‡Qb wK bv?

L) kvLvq gvwb jÛvwis cÖwZ‡iva Kvh©µg

h_vwbq‡g cwicvwjZ n‡”Q G welqwU

wbwðZ nIqvi j‡ÿ¨ BAMLCO wbw`©ó

I MÖnY‡hvM¨ mgq ci ci Ges Kvh©Ki

cÖwµqvq gwbUwis I ch©v‡jvPbv K‡i

_v‡Kb wKbv?

BAMLCO KZ©„K –

KYC Kvh©µ‡gi

h_v_©Zv gwbUwis Kiv

nq wKbv?

h_vh_fv‡et-

Transaction gwbUwis Ges

m‡›`nRbK †jb‡`b

wi‡cvU© (B›Uvibvj

wi‡cvU©©mn) Kiv nq

wKbv?

h_vh_fv‡e †iKW©

msiÿY Kiv nq wKbv?

CTR hvPvB Ges

STR mbv³Ki‡Y

eë ’v †bqv nq wKbv?

‰e‡`wkK gy`ªvi

BbIqvW© I

AvDUIqvW© †jb‡`b

gwbUwis Kiv n‡”Q

wKbv?

3. BAMLCO mn kvLvi Kg©KZ©vMY

gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb

cÖwZ‡iva wel‡q we`¨gvb AvBb, wewagvjv,

weGdAvBBD KZ©„K mgq mgq RvixK…Z

wb‡ ©kbv I e¨vs‡Ki wbR¯ gvwb jÛvwis

cÖwZ‡iva I mš¿v‡m A_©vqb cÖwZ‡iva

bxwZgvjv m¤ú‡K© AewnZ Av‡Qb wK?

welqwU hvPvB‡qi c×wZ

Kx? (we¯ÍvwiZ wjLyb)

cwiwkó-L

2


4. kvLv ch©v‡q ‣ÎgvwmK wfwË‡Z gvwb jÛvwis

I mš¿v‡m A_©vqb cÖwZ‡iva welqK mfv

AbywôZ nq wKbv?

mfvi Av‡jvP¨m~wP

mK‡ji AeMwZi Rb¨

eÈb Kiv nq wKbv?

mfvq Kx Kx ¸iæZ¡c~Y©

wm×všÍ M„nxZ n‡q‡Q?

mfvq M„nxZ wm×všÍ

wKfv‡e ev ÍevwqZ

nq?

5. mKj cÖKvi wnmve †Lvjv I †jb‡`b

cwiPvjbvi †ÿ‡Î gvwb jÛvwis cÖwZ‡iva

AvBb, mš¿vm we‡ivax AvBb Ges mg‡q

mg‡q weGdAvBBD KZ©„K RvixK„Z

wb‡ ©kbv Abymv‡i MÖvnK cwiwPwZ

m‡šÍvlRbKfv‡e MÖnY Kiv nq wKbv ?

MÖvnK cwiwPwZi

h_v_©Zv wKfv‡e hvPvB

Kiv nq? wKfv‡e Zv

kvLvq msiÿY Kiv

n‡”Q?

KYC m¤úv`bKv‡j

MÖvn‡Ki Znwe‡ji

Drm hvPvB Kiv nq

wKbv?

wnmv‡ei cÖK…Z

myweav‡fvMx

(Beneficial

Owner) mbv³ Kiv

nq wKbv Ges Zv

hvPvB Gi cÖwµqv

m‡šÍvlRbK wKbv?

D”P SzuwKwewkó

MÖvnK‡ì †ÿ‡Î

SuywKi wbix‡L

AwZwi³ Z_¨

(EDD) msMÖn Kiv

nq wKbv?

6. K) SzuwKi wfwË‡Z kvLv Zv‡ì MÖvnK‡ì

†kªYxweb¨vm/†kªYxKiY K‡i wKbv?

L) D”P SzuwKm¤úbœ wnmv‡ei †jb‡`b

gwbUwis Kiv nq wKbv?

G ch©šÍ KZwU D”P

SzuwK m¤úbœ wnmve

kvLvq †Lvjv n‡q‡Q?

G ai‡bi wnmve †Lvjv

I cwiPvjbvi †ÿ‡Î

kvLv Kx c`‡ÿc MÖnY

K‡i‡Q?

Kx c×wZ‡Z D”P

SzuwKm¤úbœ wnmv‡ei

†jb‡`b gwbUwis Kiv

nq?

7. weGdAvBBD KZ©„K RvixK…Z wb‡ ©kbv

Ges e¨vs‡Ki wbR¯ bxwZgvjv Abyhvqx

gvwbjÛvwis I mš¿v‡m A_©vqb msµvšÍ

SzuwK cÖwZ‡iv‡a h_vh_ eë¯’v MÖnY Kiv

n‡q‡Q Kx bv?

G welqK wbR¯^

bxwZgvjv cÖYqb Kiv

n‡q‡Q wKbv?

D³ bxwZgvjv kvLvq

wKfv‡e ev ÍevwqZ

n‡”Q?

cwiwkó-L

3


8. kvLv MÖvn‡Ki KYC Profile Gi Z_¨

weGdAvBBD KZ©„K RvixK…Z wb‡`©kbv

‡gvZv‡eK wbw ©ó mgq ci ci

cybtg~j¨vqbc~e©K nvjbvMv` K‡i wKbv?

Kx c×wZ‡Z Giƒc

g~j vqb m¤úvw Z n‡q

_v‡K?

9. kvLv Walk-in-Customer-‡ì †ÿ‡Î

KYC cÖwµqv AbymiY K‡i wK?

wKfv‡e Av‡jvP¨

cÖwµqvwU m¤úbœ K‡i

_v‡K?

10. Online e¨vswKs Gi †ÿ‡Î wnmveavix

e¨ZxZ Ab¨ †Kvb e¨w³ A_© Rgv Ki‡j

‡m‡ÿ‡Î †Kvb ai‡bi KYC cÖwµqv

AbymiY Kiv nq wK?

n‡q _vK‡j Kx

cÖwµqvq Zv

m¤úvw`Z n‡”Q?

11. kvLv Kx c×wZ‡Z MÖvn‡Ki †jb‡`b

gwbUwis K‡i _v‡K?

e¨vsK kvLv KZ©„K

wbav©wiZ mxgvi

Dc‡ii †jb‡`‡bi

(Threshhold )

wfwË‡Z A_ev

MÖvnK KZ©„K †NvwlZ

†jb‡`‡bi AbywgZ

gvÎv (TP) Gi

wfwË‡Z; A_ev Ab¨

†Kvb c×wZ‡Z ;

M„nxZ †jb‡`‡bi

AbywgZ gvÎv (TP)

MÖvn‡Ki †ckv I

Av‡qi mv‡_

msMwZc~Y© wKbv Zv

hvPvB Kiv nq wKbv?

†NvwlZ AbywgZ gvÎvi

mv‡_ cieZx©‡Z MÖvnK

KZ©„K m¤úvw`Z cÖK…Z

†jb‡`b hvPvB Kiv nq

wKbv ?

kvLv KZ©„K GKwU

wba©vwiZ

Thershhold Gi

wfwË‡Z cÖwZw`‡bi

†jb‡`b gwbUi Kiv

nq wKbv?

kvLvq GKwU wbw`©ó

mgq ci ci bgybv

wfwË‡Z MÖvn‡Ki

KYC Profile G

cÖ`Ë Z‡_ï mv‡_

†jb‡`‡bi mvgÄm¨Zv

hvPvB Kiv nq wKbv?

cwiwkó-L

4


12. mš¿vm we‡ivax AvBb, 2009 Gi Aaxb

mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡ai j‡ÿ¨

kvLv Kx ai‡bi c`‡ÿc MÖnY K‡i‡Q?

RvwZms‡Ni wbivcËv

cwil‡ì wewfbœ

†iRyjyk‡bi AvIZvq

mš¿vm, mš¿vmx Kvh© I

e¨vcK aŸsmvZ¥K A ¿

we¯Ív‡i A_©vq‡b

RwoZ m‡›`‡n

ZvwjKvfy³ †Kvb

e¨w³ ev mËv Ges

evsjv‡`k miKvi

KZ©„K ZvwjKvfy³

‡Kvb e¨w³ ev wbwl×

†NvwlZ mËvi bv‡gi

ZvwjKv kvLvq

msiÿY I Z`bymv‡i

wnmve I †jb‡`b

Kvh©µg hvPvB Kiv

nq wKbv? wi‡cvwU©s

kvLv G welqK wbR¯^

†Kvb c×wZ AbymiY

K‡i wK bv?

kvLv KZ…©K †Kvb

False Positive

ZvwjKv msiÿY Kiv

nq wK bv?

Giƒc †Kvb e w³ ev

mËvi bv‡g kvLvq

cwiPvwjZ wnmv‡ei (hw

_v‡K) wel‡q

weGdAvBBD †K AewnZ

Kiv nq wKbv?

13. G hver kvLv KZ©„K KZ¸‡jv m‡›`nRbK

†jb‡`b (STR) kbv³ Kiv n‡q‡Q?

kvLvq m‡› nRbK

†jb‡ b wPwýZ Kivi

†Kvb c×wZ AbymiY Kiv

nq wKbv?

kvLvq m‡› nRbK

†jb‡`b wi‡cvwU©s Gi

Rb¨ Af¨šÍixb wi‡cvwU©s

eë ’v Pvjy i‡q‡Q wKbv?

kvLv ch©v‡q wb®úwËK…Z

Af¨šÍixb wi‡cvU©

msiÿY Kiv nq wKbv?

G hver KZ¸‡jv STR

mbv³ Kiv n‡q‡Q?

KZ¸‡jv AML/CFT

Division/Dept. G

wi‡cvU© Kiv n‡q‡Q?

cwiwkó-L

5


14. MÖvnK KZ©„K cybt cybt bM` †jb‡`b

wi‡cvwU©s (CTR) mxgvi bx‡P †jb‡`b

(Structuring) kbv³ Kivi †Kvb c×wZ kvLv

KZ©„K cÖewZ©Z n‡q‡Q wKbv?

cÖwZw`‡bi †jb‡`‡b

Structuring kbv³

Kivi Rb¨ ‡Kvb wi‡cvU©

‣Zix Kiv n‡”Q wKbv ev

†Kvb c×wZ i‡q‡Q wKbv?

(we¯ÍvwiZ wjLyb)

15. kvLv KZ©„K wbqwgZ I mwVKfv‡e CTR

†K›`ªxq cwicvjb BDwb‡U †cÖiY Kiv

n‡”Q wKbv?

†cÖwiZ Z‡_ï

mwVKZv wKfv‡e

hvPvB Kiv n‡”Q?

†K›`ªxqfv‡e CTR wi‡cvU© Kivi †ÿ‡Î

kvLv wbR¯^ CTR

wi‡cvU© msMÖnc~e©K

gwbUwis Kvh©µg

Ae¨vnZ iv‡L wKbv ?

16. gvwb jÛvwis cÖwZ‡iva AvBb, mš¿vm

we‡ivax AvBb, mvK©yjvi, cÖwkÿY †iKW©,

weeiYx I Ab¨vb¨ GGgGj/wmGdwU

msµvšÍ welqvejxi Avjv`v bw_ kvLv

KZ©„K msiÿY Kiv nq wKbv? AvBb,

mvKz©jvi BZ¨vwì Kwc kvLvi mKj

Kg©KZ©v/Kg©Pvix‡ì mieivn Kiv nq

wKbv?

n‡q _vK‡j n¨vu A_ev bv

n†q _vK‡j bv, AvswkK

n‡j Kx Kx msiwÿZ

Av‡Q Zv wjLyb|

17. weGdAvBBD gv÷vi mvKy©jvi Abymv‡i

kvLvq PEPs, cÖfvekvjx e¨w³,

AvšÍR©vwZK ms¯’vi cÖavb ev D”P ch©v‡qi

Kg©KZ©vi †Kvb wnmve msiÿY Kiv n‡”Q

wKbv?

DËi n¨vu n‡j GB wnmve

‡Lvjv I cwiPvjbvi

†ÿ‡Î Kx Kx ai‡Yi

mZK©Zv Aej¤^b Kiv

n‡”Q?

18. kvLvq Aq¨vi UªvÝdvi msµvšÍ †jb‡`‡bi

†ÿ‡Î weGdAvBBD Gi wb‡ ©kbv

h_vh_fv‡e AbymiY Kiv n‡”Q wKbv?

19. cÖavb Kvh©vjq I evsjv‡`k e¨vsK,

evsjv‡`k dvBb¨wÝqvj B‡›Uwj‡RÝ

BDwbU-Gi cwi`k©b cÖwZ‡e`‡b D‡jøwLZ

gvwb jÛvwis cÖwZ‡iva I mš¿v‡m A_©vqb

cÖwZ‡iva cwicvjb welqK

`~e©jZv/Awbqgmg~n wbqwgZ Kiv n‡q‡Q

wKbv?

bv n‡q _vK‡j

cÖwZeÜKZvmg~n Kx Kx?

20. kvLv KZ©„K •e‡`wkK †iwg‡UÝmn Ab¨vb¨

BbIqvW© I AvDUIqvW© ‣e‡`wkK gy`ªvi

†jb‡`b gwbUwis Kiv nq wKbv?

n‡q _vK‡j wKfv‡e?

BbIqvW© †iwgU¨vÝ

msµvšÍ †jb‡`‡b,

cÖ‡hvR¨ †ÿ‡Î,

cwiwkó-L

6


weGdAvBBD KZ©„K

mg‡q mg‡q mieivnK…Z

mš¿vmx msMVb/ e¨w³i

ZvwjKv hvPvB Kiv n‡”Q

wKbv?

21. kvLvq •e‡`wkK evwYR¨ mswkøó †jb‡`b

(Gjwm, M¨vivw›U BZ¨vw`) h_hv_fv‡e

gwbUwis Kiv n‡”Q Kx bv?

22. kvLvq FY wnmve I G mswkøó Ab¨vb¨

†jb‡`b h_hv_fv‡e gwbUwis Kiv n‡”Q

Kx bv?

kvLv gvwb jÛvwis cÖwZ‡iva cwicvjb

Kg©KZv©i bvghy³ mxjmn ¯vÿi I ZvwiL

kvLv eë¯’vc‡Ki

bvghy³ mxjmn ¯vÿi I ZvwiL

cwiwkó-M

1

e¨vs‡Ki bvg

t wfwË ZvwiLt

kvLvi bvg t

µ.

bs.

cwi`k©b

†ÿÎ

welq hvPvB‡qi Dcvq gšÍe¨ †gvU

b¤î

cÖvß

b¤î

1 2 3 4 5 6

1 kvLv

cwicvjb

Kg©KZ©v

g~j¨vqb

1 K) kvLvq GKRb cwicvjb Kg©KZ©v

(BAMLCO) Av‡Qb wK bv?

me©‡kl Awdm AWv©i †`Lyb Ges Awdm Av‡`‡k

BAMLCO Gi Job Responsibities AšÍfz©³ i‡q‡Q

wKbv hvPvB Kiæb|

1

L) BAMLCO AwfÁ I †R¨ô wK

bv?

weGdAvBBD mvKz©jv‡ii wb‡ ©kbvi Av‡jv‡K hvPvB Kiæb|

2

2 BAMLCO Gi Dci Awc©Z `vwqZ¡

h_vh_fv‡e cwicvjb K‡i wKbv?

BAMLCO Gi mvwe©K Kvh©µg cixÿv Kiæb

3

2 MÖvnK

cwiwPwZ

(KYC)

1 K) Awfbœ wnmve †Lvjvi dig

Abyhvqx wnmve †Lvjv nq wK bv ?

L) wnmve †Lvjvi dig c~iY Kivi Rb¨

cÖ‡qvRbxq mKj Z_¨ MÖnY Kiv n‡q‡Q

wK bv?

kvLvq wnmve †Lvjvi ‡ÿ‡Î cÖ‡qvRbxq Kvh©µg h_vh_fv‡e

m¤úbœ Kiv n‡q‡Q wK bv Zv wbwðZ nIqvi Rb¨ mKj ai‡Yi

wnmv‡ei Kgc‡ÿ 3 wU K‡i dig hvPvB Kiæb| msM„nxZ Z_¨

wKfv‡e hvPvB Kiv n‡q‡Q, Zv cixÿv Kiæb|

2

2 K) MÖvn‡Ki e¨w³ msµvšÍ Z_¨

h_vh_fv‡e hvPvB Kiv n‡q‡Q wK bv?

wK c×wZ‡Z hvPvB Kiv n‡q‡Q Ges hvPvB Gi mc‡ÿ

msiwÿZ `wjjvw` ch©v‡jvPbv Kiæb| bgybv wfwË‡Z AšÍZ

10wU wnmv‡ei KYC dig I mswkøó `wjjvw` hvPvB Kiæb|

2

L) MÖvn‡Ki Znwe‡ji Drm hvPvB Kiv

n‡q‡Q wK bv?

Risk Based Approach Gi wfwË‡Z AšÍZ 10wU

wnmv‡ei Znwe‡ji Dr‡mi mwVKZv hvPvB Kiæb|

4

Af¨šÍixY wbixÿv wefvM

-------- e¨vsK wjt

cÖavb Kvh©vjq

Independent Testing Procedurest

kvLv cwi`k©‡bi †PKwj÷

[e¨vs‡Ki Af¨šÍixY wbixÿv wefvM gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q we`¨gvb AvBb, wewagvjv, weGdAvBBD KZ©„K mgq mgq RvixK…Z

wb‡`©kbv I e¨vs‡Ki wbR¯^ gvwb jÛvwis cÖwZ‡iva I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva bxwZgvjvi Av‡jv‡K wbgœwjwLZ cªkœgvjvi h_vh_ DËi (WKz‡g›U wfwËK)

Abymv‡i ‡¯‥vi cÖ`vbc~e©K kvLvi gvwb jÛvwis cÖwZ‡iva I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva Kvh©µg‡K g~j¨vqb Ki‡e| Af¨šÍixY wbixÿv wefvM KZ©„K kvLvi

Dci cÖYxZ evwl©K wbixÿv cÖwZ‡e`‡b (cÖ‡hvR¨ †ÿ‡Î c„_K cwi`k©b Kg©m~Pxi AvIZvq ïaygvÎ Independent Testing Procedures wfwËK cÖwZ‡e`b

cÖYxZ n‡e) gvwb jÛvwis cÖwZ‡iva I mš¿v‡m A_©vqb cÖwZ‡iva Kvh©µg g~j¨vqb msµvšÍ Avjv`v Aa¨v‡q mgy`q welqvw` mycvwikmn mwbœ‡ek Ki‡e |

(hvPvB‡qi gvb`Û Abymv‡i m¤ú~Y©iƒ‡c cwicvwjZ n‡j m¤c~Y© †¯‥vi, AvswkK cwicvj‡b AvswkK †¯‥vi Ges DËi †bwZevPK n‡j k~b¨ †¯‥vi cÖ`vb Ki‡Z

n‡e|)

cwiwkó-M

2

µ.

bs.

cwi`k©b

†ÿÎ


b¤î

cÖvß

b¤î

M) wnmv‡ei cÖK…Z myweav‡fvMx

(Beneficial Owner) mbv³ Kiv nq

wKbv Ges Dnv hvPvB cÖwµqv wK?

ewY©Z weGdAvBBD mvKz©jvi I MvBWjvBbm Gi wfwË‡Z 10wU

wnmv‡ei KYC di‡gi mv‡_ mshy³ KvMRcÎvw`/Z_¨vw` hvPvB

K‡i †`L‡Z n‡e|

4

3

K) kvLv KZ…©K MÖvnK wbe©vPb/wnmve

†Lvjv/†mev cÖ`v‡bi Rb¨ e¨vs‡Ki cÖavb

Kvh©vjq KZ…©K cÖYqbK…Z wi¯‥ g¨v‡bR‡g›U

MvBWjvB‡Ý DwjøwLZ wb‡`©kvejx kvLvq

cwicvjb Kiv nq wKbv?

wi¯‥ †iwR÷vi †gvZv‡eK kvLv wK eë¯’v wb‡q‡Q Zv cixÿv Kiæb|

2

L) kvLvq SuywKwfwËK MÖvnK

wefvRb/†kªYxweb¨vm/ †kªYxKiY Kiv nq wK

bv Ges Zv h_vh_ wK bv?

Awfbœ wnmve †Lvjvi di‡g cÖ`Ë wi¯‥ †MÖwWs As‡k D‡jøwLZ

wb‡`©kbvi mv‡_ kvLvq SuywKwfwËK MÖvnK wefvRb/†kªYxweb¨vm/

†kªYxKiY c×wZ msMwZc~Y© wK bv Zv cixÿv Kiæb|

1

M) D”P SzuwKwewkó MÖvnK‡ì †ÿ‡Î SuywKi

wbix‡L AwZwi³ Z_¨ I GZ`msµvšÍ

`wjjvw` msiÿY I hvPvB Kiv nq wK bv

(EDD)?

kvLvq msiwÿZ D”P SzuwKwewkó MÖvnK‡ì ZvwjKv msMÖnc~e©K

mswkøó wnmvemg~n ch©v‡jvPbvKiZ Kx ai‡Yi Z_¨ msMÖn Kiv nq

Ges Zv h‡_ó wK bv cixÿv Kiæb| 1

MÖvnK

cwiwPwZ

(KYC)

4 K) wbw`©ó mgq ci ci/cÖ‡qvRb Abymv‡i

KYC nvjbvMv` Kiv nq wK bv ?

weGdAvBBD mvKz©jv‡ii wb‡`©kbv †gvZv‡eK KvMRcÎvw`/Z_¨vw`

hvPvB Kiæb|

1

L) kvLv KZ©„K fvmgvb/PjšÍ (walk-

in/one-off customers) MÖvnK‡ì

(wWwW, wUwU, ‡c AW©vi, AbjvBb Rgv,

AbjvBb D‡Ëvjb BZ¨vw`) †ÿ‡Î KYC

cÖwµqv AbymiY Kiv nq wK bv?

weGdAvBBD mvKz©jv‡ii wb‡`©kbv †gvZv‡eK KvMRcÎvw`/Z_¨vw`

hvPvB Kiæb|

1

5

30GwcÖj 2002 Zvwi‡Li c~‡e© †Lvjv †h

mKj wnmv‡ei †KIqvBwm cÖwµqv m¤úbœ

Kiv nqwb †mmKj wnmvemg~‡ni eZ©gvb

Ae¯’v Kx?

30GwcÖj 2002 Zvwi‡Li c~‡e© †Lvjv †h mKj wnmv‡ei †KIqvBwm

cÖwµqv m¤úbœ Kiv nqwb ‡m mKj wnmv‡ei ZvwjKv msMÖn Kiæb|

we‡kl K‡i G ai‡Yi wnmvemg~‡n †KIqvBwm cÖwµqv Am¤úbœ †i‡L

30†k gvP©, 2010 Gi c‡i †Kvb D‡Ëvjb Av‡Q wKbv bgybv wfwË‡Z

cixÿv Kiæb|

1

6

Wire transfer Gi †ÿ‡Î kvLv

KZ©„K KYC cÖwµqv AbymiY Kiv nq

wK bv?

weGdAvBBD mvKz©jv‡ii wb‡ ©kbv †gvZv‡eK cwicvwjZ

n‡q‡Q wK bv Zv mswkøó KvMRcÎvw`/Z_¨vw` hvPvB Kiæb|

1

8

Politically Exposed Persons

(PEPs), cÖfvekvjx e¨w³ I AvšÍRvwZ©K

ms ’vi cÖavb ev D”P ch©v‡qi Kg©KZ©vi ‡Kvb

wnmve kvLvq msiÿY Kiv n‡”Q wKbv?

weGdAvBBD mvKz©jv‡ii wb‡ ©kbv †gvZv‡eK bgybvi wfwË‡Z

hvPvB Kiæb|

3

9

K) Credit Card myweav cÖ`v‡b

weGdAvBBD Gi wb‡`©kbv AbymiY Kiv nq

wK bv|

Credit Card Bmÿi †ÿ‡Î MÖvnK cwiwPwZ mwVKfv‡e MÖnY I

hvPvB Kiv nq wK bv hvPvB Kiæb| Credit Card Gi FY mxgv

MÖvn‡Ki Av‡qi mv‡_ msMwZc~Y© wKbv hvPvB Kiæb| kvLv KZ…©K

†KIqvBwm nvjbvMv` Kiv nq wKbv hvPvB Kiæb|

1

L) Internet banking myweav cÖ`v‡b


wK bv|

Internet banking myweav cÖ`v‡b kvLv KZ…©K wK

mZK©Zvg~jK eë¯’v ‡bqv n‡q‡Q Zv hvPvB Kiæb Ges MÖvn‡Ki

SuywK we‡ePbvq ‡Kvb AwZwi³ Z_¨vw` †bqv n‡q‡Q wK bv Zv

hvPvB Kiæb|

1

cwiwkó-M

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10

Non face to face customer m¤úwK©Z


wK bv|

wnmve †Lvjvi ‡ÿ‡Î MÖvnK cwiwPwZ mwVKfv‡e MÖnY Kiv nq wK bv

hvPvB Kiæb Ges MÖvn‡Ki SuywK we‡ePbvq Kx/‡Kvb ai‡Yi

AwZwi³ Z_¨vw` †bqv n‡q‡Q Zv hvPvB Kiæb|

1

3 †jb‡`b gwbUwis

(Transaction

Monitoring)

1 kvLvq †jb‡`b gwbUwis (Transaction

Monitoring) Gi †Kvb Kvh©Kix c×wZ

Pvjy Av‡Q wK bv?

gwbUwis Gi c×wZ D‡jøL Kiæb (cÖ‡hvR¨ †ÿ‡Î cÖgvY msMÖn

Kiæb)|

g¨vbyq¨vj c×wZ‡Z †jb‡`b cixÿv Kiv n‡j Zv wKfv‡e

Kiv nq Zv we¯ÍvwiZ hvPvB Kiæb|

A‡Uv‡g‡UW n‡j wm‡÷g †Rbv‡i‡UW wi‡cvU©

msMÖnc~e©K ch©v‡jvPbv Kiæb|

weMZ mg‡qi gwbUwis Gi bw_ msMÖnc~e©K hvPvB

Kiæb|

4

2 K) MÖvn‡Ki †ckv I Av‡qi mv‡_

msMwZc~Y©fv‡e †jb‡`‡bi AbywgZ gvÎv

(TP) MÖnY Kiv nq wK bv?

cÖ‡hvR¨ †ÿ‡Î AšÍZ 10wU wnmv‡ei bgybv †Km cixÿv K‡i †`Lyb|

2

L) †jb‡`‡bi AbywgZ gvÎvq (TP)

cÖ‡qvRbxq mKj Z_¨ mwbœ‡ek Kiv n‡q‡Q

wK bv ?

Awfbœ wnmve †Lvjvi di‡gi mv‡_ mshy³ TP dig hvPvB Kiæb|

1

M) †NvwlZ AbywgZ gvÎvi mv‡_ cÖK…Z

†jb‡`b hvPvB Kiv nq wK bv ?

b~¨bZg 10wU wnmv‡ei gwbUwis c×wZi bgybv cixÿv Kiæb Ges

cÖ‡qvR‡b e¨vs‡Ki A‡Uv‡g‡UW c×wZ ‡Z DwjøwLZ TP Gi mv‡_

TP di‡g †NvwlZ AbywgZ gvÎvi wgj Av‡Q wKbv hvPvB Kiæb|

2

N) wnmve †Lvjvi 6 gv‡mi g‡a¨ MÖvn‡Ki

†jb‡`b ch©v‡jvPbv c~e©K TP nvjbvMv`

Kiv n‡q‡Q wK bv?

weGdAvBBD mvKz©jvi †gvZv‡eK Risk Based Approach Gi

wfwË‡Z b~¨bZg 10wU wnmv‡ei wUwc hvPvB Kiæb|

1

O) wbw`©ó †Kvb cÖ‡qvRb Abyf‚Z n‡j A_ev

kvLv KZ…©K wbqwgZ gwbUwis Kvh©µ‡gi

AvIZvq mg‡q mg‡q TP nvjbvMv` Kiv

n‡q‡Q wKbv?

b~¨bZg 10wU wnmv‡ei wUwc hvPvB Kiæb|

1

3 kvLvq cwiPvwjZ D”P SuywKc~Y© wnmvemg~‡ni

ZvwjKv msiÿY Kiv nq wK bv Ges D³

wnmv‡ei †jb‡`b gwbUwis ch©vß wK bv ?

D”P SzuywKm¤úbœ wnmve mgy‡ni ZvwjKv msMÖn Kiæb Ges

weGdAAvBBD mvKz©jv‡ii wb‡`©kbv †gvZv‡eK GZ`msµvšÍ bw_

msMÖnc~e©K D³ wnmvemg~‡ni †jb‡`b gwbUwis ch©vß wKbv hvPvB

Kiæb|

3

4 K) mš¿v‡m A_©vqb cÖwZ‡iv‡a kvLvq UN

Security Council resolution Gi

AvIZvq sanction list I mš¿vm we‡ivax

AvBb 2013 Gi ms‡hvRbx‡Z D‡jøwLZ

¯’vbxq mš¿vmx ZvwjKv msiÿY Kiv nq wK

bv Ges †m ‡gvZv‡eK wnmve †Lvjv I

†jb‡`b Kvh©µg hvPvB Kiv nq wKbv?

wnmve †Lvjv, ‡jb‡`b gwbUwis Ges Af¨šÍixY I

•e‡`wkK evwY‡Rï †ÿ‡Î Dfq ZvwjKv hvPvB Kiv nq

wK bv|

G wel‡q kvLv ¯^qswµq (Automated) †Kvb c×wZ

AbymiY K‡i wK bv hvPvB Kiæb| AšÍZ 10wU bgybv

†Km cixÿv K‡i †`Lyb|

2

L) False Positive Gi ZvwjKv kvLvq

msiÿY Kiv nq wK bv?

UN sanction list I ¯’vbxq mš¿vmx ZvwjKv hvPvB G

kvLv KZ…©K †Kvb False Positive n‡q‡Q wKbv Zv

cixÿv K‡i †`Lyb|

1

51. •e‡`wkK I Af¨šÍixY evwY‡Rï A_©vq‡bi

†ÿ‡Î gvwbjÛvwis I mš¿v‡m A_©vqb

cÖwZ‡iv‡a kvLv KZ©„K wK eë¯’v MÖnY Kiv

n‡q‡Q?**

bgybvwfwË‡Z 4/5 Rb MÖvn‡Ki Gjwm WKy‡g›Umn mswkøó MÖvn‡Ki

Ab¨vb¨ mKj wnmv‡ei bw_ msMÖnc~e©K wb‡¤œi welqvw` hvPvB Kiæbt

Letter of Credit -G ewY©Z c‡Yï g~j¨ AvšÍRv©wZK

gvb`‡Ûi mv‡_ hvPvB Kiv n‡q‡Q wK bv cixÿ Kiæb|

5

1 we‡kl `ªóe¨t Aby‡”Q` bs 3(5) ïaygvÎ GwW kvLvi Rb¨ cÖ‡hvR¨ n‡e| bbGwW kvLvi †ÿ‡Î 95 b¤^‡ii g‡a¨ cÖvß b¤î‡K kZKiv iƒcvšÍi K‡i mvwe©K †iwUs wbY©q

Ki‡Z n‡e|

cwiwkó-M

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Supplier/Beneficiary Gi Credit report msMÖn

K‡i kvLv KZ…©K ch©v‡jvPbv Kiv n‡q‡Q wKbv hvPvB

Kiæb|

Beneficiary/Applicant Gi country FATF

KZ©„K wPwýZ High-risk and non-cooperative

jurisdictions Gi AšÍfz©³ n‡j EDD Kiv nq wK

bv hvPvB Kiæb|

Bill of Entry Gi original copy msiÿY Kiv

nq wKbv hvPvB Kiæb|

Shipping document Letter of

Credit/Proforma invoice Gi mv‡_ msMwZc~Y©

wKbv hvPvB Kiæb|

6 kvLv •e‡`wkK †iwg‡UÝmn Ab¨vb¨

BbIqvW© I AvDUIqvW© †iwg‡UÝ gwbUwis

K‡i wK bv?

BbIqvW© I AvDUIqvW© †iwg‡UÝ msµvšÍ †jb‡`b

MÖvn‡Ki †KIqvBwm msµvšÍ Z_¨vw` bgybvwfwË‡Z hvPvB

Kiæb|

1

4 bM` †jb‡`b

wi‡cvU©

(CTR) Ges

m‡›`nRbK

†jb‡`b

wi‡cvwUs

(STR)

1 K) gvwmK wfwË‡Z Ges wbf©yjfv‡e CTR

Kiv nq wKbv ?

‡iKW©/bw_/†iwRóvi hvPvB Kiæb| †hmKj e¨vs‡Ki cÖavb Kvh©vjq

KZ…©K †K›`ªxqfv‡e wmwUAvi Kiv nq †m †ÿ‡Î kvLvq gvwmK

wfwË‡Z wmwUAvi msiÿY Kiv nq wKbv hvPvB Kiæb|

2

L) cÖwZ gv‡m †cÖwiZ wmwUAvi Gi Kwc

kvLvq msiÿY Kiv nq wKbv Ges Dnv

wbqwgZ ch©v‡jvPbv Kiv nq wKbv?

wi‡cvwU©s ZvwjKv/dvBj cixÿv K‡i †`Lyb|

weGdAvBBD mvKz©jvi †gvZv‡eK ch©v‡jvPbv Kiv nq

wKbv Zv GZ`msµvšÍ bw_ hvPvBc~e©K cixÿv Kiæb|

†K›`ªxqfv‡e wmwUAvi Kiv n‡jI kvLv KZ…©K wmwUAvi

ch©v‡jvPbv Kiv nq wKbv ZvI hvPvB Kiæb|

4

M) MÖvnK KZ©„K wi‡cvwU©s mxgvi bx‡P cybt

cybt †jb‡`b (Structuring) Kivi †ÿ‡Î

Zv kbv³ Kivi †Kvb c×wZ kvLvq cÖewZ©Z

n‡q‡Q wK bv?

kvLvi K¨vk ‡iwR÷vi ch©v‡jvPbvc~e©K m¤¢ve¨

wnmvemg~n wPwýZKiZt Zv ch©v‡jvPbv Kiæb|

GZ`&wel‡q kvLv KZ…©K †Kvb wi‡cvU© †Rbv‡iU Kiv nq

wKbv hvPvB Kiæb|

3

2 K) kvLvq m‡›`nRbK †jb‡`b

(STR)/SAR wPwýZKi‡Yi †Kvb c×wZ

Pvjy Av‡Q wK bv ?

m‡›`nRbK †jb‡`b (STR) Gi wewfbœ wb‡`©kKmg~‡ni

wfwË‡Z m‡›`nRbK †jb‡`b (STR) wPwýZKi‡Yi

†Kvb c×wZ Pvjy Av‡Q wKbv hvPvB Kiæb |

3

L) mswkøó mKj Kg©KZ©v STR/SAR

wm‡÷g m¤ú‡K© AewnZ Av‡Qb wK bv ?

kvLvi Kg©KZ©v‡ì m‡›`nRbK †jb‡`b wPwýZKiY I wi‡cvU©KiY

m¤ú‡K© ch©vß aviYv Av‡Q wKbv cixÿv Kiæb|

2

5 gvwbjÛvwis

cÖwZ‡iva

wefvM/wWwfkb

eivei weeiYx

`vwLj

1 kvLv KZ©„K cÖ‡qvRbxq msL¨K weeiYx

gvwbjÛvwis cÖwZ‡iva wefvM/wWwfkb eivei

`vwLj Kiv nq wK bv ? kvLv wK h_vmg‡q

weeiYx `vwLj K‡i ?

gvwmK wfwË‡Z wmwUAvi (cÖ‡hvR¨†ÿ‡Î GmwUAvi

weeiYx), wØ-gvwmK wfwË‡Z weeiYx-2 I 3, Ges

lvb¥vwmK wfwË‡Z †mî A¨v‡mm‡g›U weeiYx gvwbjÛvwis

cÖwZ‡iva wefvM/wWwfkb eive‡i ‡cÖwiZ nq wKbv

cixÿv Kiæb|

wej‡¤^ `vwLj A_ev weeiYx `vwLj Kiv bv n‡q _vK‡j

Zv Am‡šÍvlRbK e‡j we‡ewPZ n‡e|

2

2 weeiYx‡Z cÖ`Ë Z_¨ mwVK I c~Y©v½ wK bv ? GZ`&msµvšÍ bw_ cixÿv Kiæb| Z_¨vw` mwVK I cwic~Y© bv n‡j

Zv Am‡šÍvlRbK e‡j we‡ewPZ n‡e|

1

6 ¯^wba©viYx

c×wZ

1 ¯^wba©viYx c×wZ‡Z (†mî A¨v‡mm‡g›U)

kvLvi g~j¨vqb eë¯’v Pvjy Av‡Q wK bv ?

weGdAvBBD mvKz©jv‡ii mv‡_ mshy³ †PKwjó eënvic~e©K g ~j¨vqb

cÖwZ‡e`b Kiv n‡q‡Q wKbv hvPvB K‡i †`Lyb|

1

2 Av‡jvP¨ g~j¨vqb cÖwZ‡e`b P‚ovšÍ Kivi c~‡e©

kvLv eë¯’vc‡Ki mfvcwZ‡Z¡ kvLvi mswkøó

Kg©KZ©v‡ì wb‡q mfv Kiv n‡q‡Q wKbv?

bw_ hvPvB Kiæb|

1

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3 K) g~j¨vqb cÖwZ‡e`‡b `~e©jZvmg~n wPwýZ

Kiv n‡q‡Q wKbv?

L) M„nxZ wm×všÍ ev¯Íevq‡b kvLv KZ…©K Kx

c`‡ÿc MÖnY Kiv n‡q‡Q Ges cieZx©

•ÎgvwmK mfv¸‡jv‡Z c~e©eZx© mfvi

GZ`mswkøó wel‡qi AMÖMwZ wb‡q Av‡jvPbv

Kiv n‡q‡Q wKbv?

bw_ hvPvB Kiæb|

2

4 kvLvi wbR¯^ g~j¨vqb h_vh_ wK bv? bw_ hvPvB Kiæb Ges ‡PKwj‡÷i cÖwZwU c‡q›U ch©v‡jvPbv c~e©K

g~j¨vqb Kiæb|

1

7 AML/CFT

wel‡q

Kg©KZ©v‡ì

Ávb I

m‡PZbZv

1 kvLvq KZRb Kg©KZ©v gvwb jÛvwis

cÖwZ‡iva welqK AvbyôvwbK cÖwkÿY MÖnY

K‡i‡Qb?

GZ`wel‡q kvLvi mswkøó ‡iKW© †`Lyb| GGgGj/wmGdwU welq

AvšÍR©vwZK gvb`Û,RvZxq bxwZgvjv I AvBbKvbyb, weGdAvBBD

KZ…©K RvixK…Z MvB‡WÝ †bvUm& I mvK©yjvi BZ¨vw` welq

AšÍfy©w³KiYmn Gi SzuwK eë¯’vcbvi Kjv‡K․kj Ges wi‡cvwU©s

c×wZ m¤ú‡K© AšÍZ 1(GK)w`b e¨vcx AbywôZ gvwb jÛvwis welqK

AvbyôvwbK cÖwkÿY we‡eP¨ n‡e|

1

2 cÖavb wbe©vnx KZ…©K evrmwiK wfwË‡Z

GGgGj/wmGdwU welqK A½xKvi †NvlYvi

Kwc mKj Kg©KZ©v‡K AewnZKiYc~e©K

kvLvq msiÿY Kiv nq wKbv Ges Ge¨vcv‡i

kvLvi Kg©KZ©vMY h_vh_fv‡e Zv cwicvjb

K‡i‡Qb wKbv?

bw_ ch©v‡jvPbv Kiæb|

1

3 kvLvi Kg©KZ©vMY GGgGj/wmGdwU welqK

bxwZ, c×wZ I †cÖvMÖvg Ges RvZxq bxwZgvjvmn

weGdAvBBD Gi MvBWjvBÝ m¤ú‡K© AewnZ wK

bv?

kvLvi Kg©KZ©vi mv‡_ mvÿvrKv‡ii wfwË‡Z g~j¨vqb Kiæb|

1

4 cÖwkÿY msµvšÍ Z_¨ I `wjjvw` h_vh_fv‡e

msiÿY Kiv nq wKbv?

bw_ ch©v‡jvPbv Kiæb|

1

8 †iKW© msiÿY/

mieivn

1 gvwb jÛvwis cÖwZ‡iva AvBb-2012 (2015 Gi

ms‡kvabxmn) Ges e¨vs‡Ki wbR¯^ bxwZgvjv

Abyhvqx MÖvn‡Ki †jb‡`b m¤úwK©Z †iKW©

h_vh_fv‡e msiÿY Kiv nq wKbv ?

gvwb jÛvwis cÖwZ‡iva AvBb-2012 (2015 Gi ms‡kvabxmn) Ges

weGdAvBBD Gi mvKz©jvi †gvZv‡eK wnmv‡ei †jb‡`‡bi Z_¨vw` (†hgb

wnmve †Lvjvi dig, †jb‡`b weeiYx, †PK/fvDPvi BZ¨vw`) cixÿv K‡i

†`Lyb|

2

2 Mªvn‡Ki KYC mn CDD cÖwµqv m¤úv`bKv‡j

msM„nxZ Z_¨ I `wjjvw` Ges †jb‡`b msµvšÍ

Z_¨ I `wjjvw` weGdAvBBD Gi Pvwn`v

†gvZv‡eK h_vmg‡q mieivn Kiv nq wK bv ?

GZ`&msµvšÍ bw_ cixÿv Kiæb| h_vmg‡q I mwVKfv‡e Z_¨ mieivn bv

Ki‡j Zv Am‡šÍvlRbK we‡ewPZ n‡e|

1

9 wbixÿv, cwi`k©b

I Ab¨vb¨

1 kvLv eë¯’vcK BAMLCO bv n‡j kvLv

eë¯’vcK AML/CFT ‡cÖvMÖvg ev¯Íevq‡b

h_vh_ f~wgKv cvjb K‡ib wK bv ?

kvLvq Av‡qvwRZ mfvi Av‡jvP¨m~Px I kvLv eë¯’vc‡Ki mv‡_

mvÿvrKv‡ii wfwË‡Z g~j¨vqb Kiæb|

1

2 BwZc~‡e© kvLvq cwiPvwjZ wbixÿv/cwi`k©b

cÖwZ‡e`‡b DwjøwLZ Awbqg/mycvwikmg~n

h_vh_fv‡e cwicvwjZ n‡q‡Q wK bv ?

me©‡kl wbixÿv cÖwZ‡e`b cixÿv K‡i †`Lyb Ges cÖwZ‡e`‡b ewY©Z

Awbqgvw` ms‡kva‡b kvLv wKiƒc eë¯’v MÖnY K‡i‡Q Zv hvPvB K‡i

†`Lyb|

e¨vs‡Ki Af¨šÍixY wbixÿv wefvM KZ…©K me©‡kl wbixÿv

wi‡cvU© ch©v‡jvPbv Kiæb Ges cwicvj‡bi Ae¯’v hvPvB

Kiæb|

evsjv‡`k e¨vs‡Ki e¨vsK cwi`k©b wefvM KZ©„K cwi`k©b

Kvh©µg m¤úbœ n‡j Gi wi‡cvU©wU (gvwbjÛvwis AskwU

we‡klfv‡e) ch©v‡jvPbv Kiæb Ges cwicvj‡bi Ae¯’v hvPvB

Kiæb|

evsjv‡`k e¨vs‡Ki ‣e‡`wkK gy`ªv cwi`k©b wefvM KZ©„K

wbixÿv (hw` n‡q _v‡K) Gi wi‡cvU©wU ch©v‡jvPbv Kiæb Ges

cwicvj‡bi Ae¯’v hvPvB Kiæb|

weGdAvBBD Gi wbixÿv (hw` n‡q _v‡K) Gi wi‡cvU©wU

ch©v‡jvPbv Kiæb Ges cwicvj‡bi Ae¯’v hvPvB Kiæb|

4

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n‡q‡Q?

MÖvnK m‡PZbZv e„w×K‡í kvLv Kx ai‡bi Kvh©µg MÖnb K‡i‡Q Zv hvPvB

Kiæb| G e¨vcv‡i MÖvnK‡ì wjd‡jU weZiY Ges kvLvi `„k¨gvb ¯’v‡b G

welqK †cv÷vi Av‡Q wKbv hvPvB Kiæb|

3

me©‡gvUt 100 100

kvLvi g~j¨vqbt µ cwi`k©b ‡ÿÎ eivÏK…Z †gvU b¤î cÖvß b¤i

1 kvLv cwicvjb Kg©KZ©v g~j¨vqb 6

2 MÖvnK cwiwPwZ (KYC) 26

3 †jb‡`b gwbUwis 23

4 m‡›`nRbK †jb‡`b Ges bM` †jb‡`b wi‡cvwU©s 22

5 gvwbjÛvwis cÖwZ‡iva wefvM/wWwfkb eivei weeiYx `vwLj 3

6 ¯^wba©viYx c×wZ 5

7 GGgGj/wmGdwU wel‡q Kg©KZ©v/Kg©Pvix‡ì Ávb I m‡PZbZv 4

8 †iKW© msiÿY 3

9 wbixÿv, cwi`k©b I Ab¨vb¨ 8

me©‡gvUt 100

‡¯‹vi †iwUs

90+-100 kw³kvjx

70+-90 m‡šÍvlRbK

55+-70 †gvUvgywU fvj

40+-55 cÖvwšÍK

40 I Gi bx‡P Am‡šÍvlRbK

evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU 02 Avwk¦b, 1424 · 1 evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU evsjv‡`k e¨vsK cÖavb Kvh©vjq XvKv weGdAvBBD mvK©yjvi bs-19

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