6 standard str presentation[1]

8/20/2019 6 Standard STR Presentation[1]

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Suspicious TransactionSuspicious Transaction

Identification and ReportingIdentification and Reporting

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Transaction Monitoring Transaction Monitoring Techniques Techniques

1. MÖvn‡Ki †jb‡`b gwbUwis ‡Kb t-

wb‡Ri Rb¨: wb‡Ri PvKzixi wbivcËv wbwðZ Kivi Rb¨ GwUc‡qvRbxq!

cÖwZôv‡bi Rb¨ : "x#$ %gqv‡" cwZ&v‡bi '(bvg i)v *

+u(wKg(, iv-‡Z GwU .Z¨ve/¨K! GGgG0 e¨vs‡Ki 1wU %Kviwi‡23i GKwU! 4vb5vw'K w6wË‡Z 7.M8-+ Rating wb9$‡qGGgG0 %iwUs* .:;6w?i 2@v‡A$ gvwb 0Bvwis *':Cv‡' .A$vqb cwZ‡iva Kiv c‡qvRb! ':Cv'x ivDE ev"(b$xwZM2F iv‡DEi Kv‡0v Zvw0Kv ‡A‡K g(w,i 0‡)¨* GwUc‡qvRbxq!

AvšÍR©vwZK ww!w!vb cwicvjb: GGwUG Gi'(cvwi/ ev2;evqbH IJGb Gi bvbvwea %iR¨(0(/b cwicv0bH.vw0K * .v:;R$vwZK '(cvwi/ ev2;evq‡bi Rb¨ GwU .ve/¨K!

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Transaction Monitoring Techniques Transaction Monitoring Techniques

". †jb‡`b gwbUwis #i c$wZ t-wn've %-v0vi %)‡L hAvhA * 'vg'¨cN9$6v‡e K97

* TP %bqv!

wn've %-v0vi 'gq Mvn‡Ki %#vw4Z wUwc ZviOvZ .v‡qi 'v‡A 'vg'¨cN9$ wKbv Zv hvPvIKiv!

MvnK Zvi cwiwPwZ * .v‡qi ZA¨ c"v‡bMwogw' Ki‡= wKbv Zv .e‡0vKb Kiv!

MvnK KZ$>K wn've cwiPv0bvi %)‡L K97 * TPhAvhA6v‡e .b('i9 Kiv n‡= wKbv Zv .e‡0vKb Kiv!

K97 * TP nv0bvMv" Kivi %)‡L nv0bvMv"KQZ wUwcOvZ .v‡qi 'v‡A 'vg'¨cN9$ wKbv Zv hvPvI

Kiv! 3


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Transaction Monitoring Techniques Transaction Monitoring Techniques

nv0bvMv"KQZ K97 * TP Gi w6wË‡Z wi23 %Mwsc2SZ Kiv!

JP +u(wKh(, MvnK‡"i Zvw0Kv Zix KiZt Zv‡"i%0b‡"b wbqwgZ gwbUi Kiv!

‡#vw4Z wUwci 'v‡A %0b‡"‡b .2@v6vweKZv %"-v ‡M‡0Mvn‡Ki wbKU %A‡K J, %0b‡"‡bi Mn9‡hvM¨ e¨-¨v.v"vq Kiv!

PEP’s MvnK‡"i wn've %-v0vi %)‡L Ja$Zbe¨e2Fvcbvi .b(‡gv"b Mn9 Ges ‡0b‡"‡bi %)‡L .wZwi,

'ZK$Zv .e0V@b Kiv!We‡"w/K %iwg‡UXn .b¨vb¨ Ib*qv$ * .vJU*qv$%iwg‡UX Gi MwZYcKQwZH Mvn‡Ki e¨e'v.v‡qi'v‡A Gi 'vg'¨ZvH %iwg‡UX cvw[i‡ci‡9i%h\w,KZv IZ¨vw" gwbUwis Kiv!

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7TR .na4(sis7TR .na4(sis

bM` †jb‡`b wi‡cvwU©s %CTR &evs0v‡"/ e¨vs‡K wi‡cvU$ Ki‡Z n‡eH hw"

GKwU wn'v‡eGKw"‡b

]^ 0_ UvKvbM" Rgv ev bM" J‡Ëv0b nq!

(AbjvBb †jb‡`bmn)

( CTR

#i Rb¨ wb!©vwiZ 'ig i‡(‡) )

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7TR .na4(sis7TR .na4(sis

K¨v/ %iwRDviweei9xi 'v‡A ` gv‡' "vw-0KQZ CTRwi‡cvU$ /v-v KZQ$K cix)vcNe$K Gi 'wKZvwbwðZ Ki‡Z n‡e!

W"wbK w6wË‡Z Mvn‡Ki w'wU.vi hvPvI * we‡/4bKi‡Z n‡e!

JP +u(wKh(, Mvn‡Ki w'wU.vi wbqwgZ6v‡ehvPvI Ki‡Z n‡e! %0b‡"‡b .2@v6vweKZv cwi0w)Z n‡0Mvn‡Ki Kv= %A‡K %0b‡"‡bi %h\w,KZvi %#v49v 'sMnKi‡Z n‡e!

w'wU.vi we‡/4‡9 %Kvb MEvn‡Ki ‡0b‡"b .2@v6vweKg‡b n‡0 Mvn‡Ki Kv= %A‡K %0b‡"‡bi Kvi9e¨-¨v'sMn Ki‡Z n‡e! MvnK c"Ë e¨-¨v '‡:;v4RbK bvn‡0 Zv '‡"nRbK %0b‡"b wn'v‡e wPwndZ KiZt 7.M-7 Gi gva¨‡g evs0v‡"/ e¨vs‡K wi‡cvU$ Ki‡Z n‡e!

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+tructuring Monitoring+tructuring Monitoring

gvwbj*vwis cÖwZ‡iv! Av+b, "1" #i "%'&%&!viv Ab/0v( +tructuring #KwU gvwb j*vwisAciv!2

+tructuring j‡Z /3v(, †Kvb Avw4©K †jb‡`b#i5c6v‡ 789b Kiv v 789b Kivi †;(v Aj8?b Ki‡ 0v‡Z†Kvb wn7v‡ +tructuring cÖK@wZi †jb‡`b

cwijwZ n‡j Zv 7n‡R B`CCDvUb E wbwFZ`viwKi AvEZv( Avbv 0v(2'‡e$vcwi +tructuring 7bvG n‡j Zv '‡"nRbK

%0b‡"b wn‡'‡e wPwndZ KiZt 7.M-7 Gi gva¨‡gevs0v‡"/ e¨vs‡K wi‡cvU$ Ki‡Z n‡e!

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7‡H`nRbK †jb‡`b wKI7‡H`nRbK †jb‡`b wKI

MÖvn‡Ki ¨7vw(K, Avw4©K E Ab¨vb¨ Kg©Kv‡*i7v‡4 A7vgJ7¨cL© Av;iL†jb‡`b‡K 7‡H`nRbK†jb‡`bKv0©>g wn7v‡ w‡;bv Kiv n(2

gvwbj*vwis cÖwZ‡iv! Av+b, "1" #i "%0&

!vivN7‡H`nRbK †jb‡`bO A4© #+i5c †jb‡`b---

%1& 0vnv P?v6vwK †jb‡`‡bi !ib n+‡Z w6bQ%"& ‡0 †jb‡`b 789‡K© #+i5c !viLv n( †0,

%K& +nv †Kvb Aciv! n+‡Z AwR©Z 789`,%=& +nv †Kvb 7šv7 Kv‡0©, †Kvb 7šv77sMSb‡K v †Kvb

7šv7‡K A4©v(bQ

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UnTsT! vs. sTsViciFTs!ctivit/UnTsT! Activit/3F7t0ing FTt F6 t0 nFW7! V!ttWn.Et 7!/ W(TiW !''itiFn! invstig!tiFn

tF cFncT' w0t0W t0 tW!ns!ctiFn issTsViciFTs FW gnTin.

A TnTsT! tW!ns!ctiFns !W nFtsTsViciFTs.

3TsViciFTs Activit/

An/ !ctivit/ tW!ns!ctiFn w0W !'is0Fnst !ctiFn 7!/ b invFv'.3TsViciFTs !ctivit/ c!n b i'ntiX'

t0WFTg0 v!WiFTs W' Y!gs % in'ic!tFWs F6sTsViciFTs !ctivit/&.


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*nicators o6 unusua4 activit(*nicators o6 unusua4 activit(


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*nicators o6 susicious activit(*nicators o6 susicious activit(


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7‡H`nRbK †jb‡`b7‡H`nRbK †jb‡`b

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2@v6vweK %0b‡"b

.2@v6vw

eK%0b‡"b

wn've %-v0vi i‡gc"Ë ZA¨'ieivnKQZ KvMRcL

c"Ë wUwc‡K*qvIw'

wn've %-v0vi i‡gc"Ë ZA¨'ieivnKQZ KvMRcLc"Ë wUwc‡K*qvIw'

'wZcN9$

.Y'wZcN9$

AP?v6vwK †jb‡`bAP?v6vwK †jb‡`b

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AP?v6vwK †jb‡`bAP?v6vwK †jb‡`b

.2@v6 vweK%0b‡"b

Mvn‡Ki 'v‡A %hvMv‡hvMKiv.2@v6vweK %0b‡"‡bi Kvi9

'V‡K$ wROv'v Kiv‡0b‡"‡bi 2@c‡_ Kz‡gU'sMn Kiv

'‡:j

v4RbKJËiKz‡gU

cv*qv%M‡0

2@v6vweK%0b‡"b

'‡:jv4RbKJËiKz‡gU bvcv*qv %M‡0MvnK%hvMv‡hvM bvKi‡0MvnK‡K cv*qv

bv %M‡0

%0b‡"bwU

'‡"n

RbK

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wi‡cvwUswi‡cvwUsgvwb 0Bvwis cwZ‡iva .vIbYk^]k Giklm# aviv.b(hvqx evw9wR¨K e¨vsK GIic '‡"RbK

%0b‡"b

'VwK$Z ZA¨ 2@YJ‡"¨v‡M evs0v‡"/e¨vs‡K wi‡cvU$ Ki‡e!

G Gg G0 'vK$(0vi bs k * ]p Gi wb‡"$/bv

.b('v‡i e¨vsK'gNn '‡"nRbK %0b‡"b'VwK$Z ZA¨hAvhA6v‡e evs0v‡"/ e¨vsK‡K wi‡cvU$

Ki‡e!

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wi‡cvwUs cÖw>(vwi‡cvwUs cÖw>(vG Gg G0 'vK$(0vi bs k G 'e$cAg G'wU.vi

wi‡cvwU$s ig %"qv nq! evs0vq g(w"EZ ` i‡gwi‡cvU$Kvix Kg$KZ$vi bvg %0-vi eva¨ZvaKZvw=0 hv cieZ$x‡Z cwieZ$b Kiv n‡q‡=!

` 'vK$(0v‡i G'wU.vi 'bv,Ki‡9 0)bxqwe4qvw"i wb‡"$/K (Indicative) Zvw0Kv %"qv nq!G Gg G0 'vK$(0vi bs G G'wU.vi

wi‡cvwU$s i%g wK=zUv cwieZ$b 'vab K‡iigwU Is‡iwR‡Z cP0b Kiv nq!

'e$‡/4 G Gg G0 'vK$(0vi bs ]p G G'wU.viwi‡cvwU$s ig bZzb6v‡e %"qv n%q‡=! G i‡gwi‡cvU$Kvix Kg$KZ$vi bvg ‡bI!

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wi‡cvwUs cÖw>(vwi‡cvwUs cÖw>(v¨vs‡Ki †Kvb kv=v( 7‡H`nRbK †jb‡`b j¨ Kiv †M‡j7v‡4 7v‡4 Zv wi‡cvU© Ki‡Z n‡Qkv=vi †0 Kg©KZ©v 7‡H`nRbK †jb‡`b j¨ Ki‡b

wZwb+

kv=v gv. j. cÖ. cwicvjb Kg©KZ©vi Kv‡)wi‡cvU© Ki‡b2 kv=v gv. j. cÖ. cwicvjb Kg©KZ©v w(wU

0v;v+ K‡i gšÍ¨7ncÖ!vb Kv0©vj‡( cvSv‡b v bw46G Ki‡b2

cÖ!vb gv. j. cÖ. cwicvjb Kg©KZ©v w(wUc/bt Z`šÍ E 0v;v+K‡i gšÍ¨7n vsjv‡`k ¨vs‡K cvSv‡b v

bw46G Ki‡b2

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wi‡cvwUs cÖw>(vwi‡cvwUs cÖw>(v[FTW 3t!gs- Identification - of Suspicious activity

Investigation - through appropriate questioning

Evaluation - against previous account activity

Disclosure - if doubt/suspicious, report to

BI! of Bangladesh ban" through ##!$

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ProceuresProceures

A+D\RMA=

]RAD3A]E\D

• En6FW7!tiFn VWFvi''in A\[•]W!ns!ctiFn ;WFX•KL ;WFX•\t0W Wv!nt'FcT7nts

F7V!Wing

3U3;EE\U3

]RAD3A]E\D

[in'ing

DFW7!^Vct']W!ns!cti

Fn

Fnsistnt

EncFnsistnt


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ProceuresProceures

Btct TnTsT!tW!ns!ctiFn!ctivit/ %!n/ F_cWFW +AM=\&

8va4uateb(

I.M-7

[in'ing

Fs wit0VWFVWWcFW's

3nt tF U

C KVWcFW'

8va4uateb( 77U

inings

Fs wit0VWFVWWcFW's

RVFWt tF

++ C kVWcFW's

#ot susicious

+usicious

+usicious

#ot susicious


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7‡H`nRbK Kv0©>g7‡H`nRbK Kv0©>g

wi‡cvwU©s %wi‡cvwU©s %SAR SAR

&&

Check fraudCheck kitting

Commercial/consumer loan fraudEmbezzlementSuspicious Wire Transfer Suspicious act in safe deposit bo!Suspicious act In mc/ins/securit"

Terrorist #inancing$ebit/Credit Card fraud

Structuring%ortgage fraudSuspicious act Trade fina

†jb‡`bwU

7‡H`n

RbK


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7‡H`nRbK †jb‡`‡bi 787‡H`nRbK † jb‡`‡bi 78v¨ wb‡`©kK7gnv¨ wb‡`©kK7gn1. bvbv w(vw` †MvcbKiL, Bn¨ iv=v, )aviL

Zi v #wF‡( 0vE(vi cÖ(v7 #s MÖvnK cÖ`ww6b Z‡4¨ A7vgJ7¨Zv cwijwZ nE(v2

". wn7v †=vjvi 7g( cÖ‡(vRb( AZ¨vk¨K(Z4¨ cÖ`v‡b Abnv cÖ`k©b, A7`/cv( Aj8?bv cÖZviLv Kiv2

d. 6ej wSKvbv cÖ`vb Kiv v wSKvbvwU #gb6v‡cÖ`vb Kiv 0v 7Z¨ v wg4¨v b(, wKšf civ Kiv78 n( bv2

. ‡Kvb KviL )vFv+ wbKUZ© ¨vsK kv=v †i‡=`iZ© ¨vsK kv=v( wn7v cwi;vjbv Kiv2

h. Ab¨ †Kvb ¨vsK wn7v Av‡) wKbv ZvRvbv‡Z Abnv cÖ`k©b2

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7‡H`nRbK †jb‡`‡bi 787‡H`nRbK †jb‡`‡bi 78

v¨ wb‡`©kK7gnv¨ wb‡`©kK7gn. ‡jb‡`‡bi Ab/gwZ gvv( Bwjw=Z Z4¨ Zvi¨7vi cwiw!i 7v‡4 7vgJ7¨cb© b(2l. MÖvn‡Ki ¨7v(Pmj cwi`k©b K‡i

7‡šÍvRbK g‡b bv nE(v2

. ¨7v‡(i cÖK@wZMZ Kvi‡L †;K v Ab¨+b


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v¨ wb‡`©kK7gnv¨ wb‡`©kK7gn11. MÖvn‡Ki wn7v‡ Rvj6/(v +qU/o/‡gHU Rgv †`(v21". MÖvn‡Ki ww6b bv‡g v ww6b cÖwZôv‡bibv‡g A‡bKrwj wn7v 4vKv #s 7r‡jv wn7v wg‡jcwi;vwjZ †jb‡`‡b AP?v6vwKZv cwijwZ nE(v2

1d.¨vs‡Ki Av‡Z A‡bKr‡jv ¨vsKwi‡cvwU©s

#‡Rwq‡Z wn7v cwi;vjbv KivQ wKšf Znwj#KKi‡Li Kvi‡L v visvi Znwj PmvbvšÍi Kivi '‡j¨vsK KZ@©K Ab¨ wn7vr‡jv 789‡K© AwnZnE(v2

1. 0/wG7Z KviL )vFv+ Ab¨ ¨wGi †;‡K vivi F

As‡Ki RgvKiL21h. nSvW ¨vs‡K #K v #Kvw!K jKvi MÖnL, DL DL¨nvi #s 7j Kiv c¨v‡KU vivi iv=v #s BSv‡bv2

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v¨ wb‡`©kK7gnv¨ wb‡`©kK7gn1. ¨vsK KZ@©K KZ©b Kiv ;vR©7gn,

¨vsK 7/`, ww6b 7/‡0vM-7/w!v+Z¨vw` 789‡K© u`vw7b¨ cÖ`k©b2

1l. ‡Kvb vZ KviL )vFv+ 7s=¨K †jvK

KZ@©K †Kvb wn7v‡ UvKv Rgv Kiv21. `D©w`‡bi 7g7¨v RR©wiZ [L vZ

KviL )vFv+ nSvW cwi‡kv! Kiv21p. vZ †Kvb KviL )vFv Z@Z( c‡i 789‡`i

wci‡Z [L cvvi cÖPÍv †`(v2".¨7vw(K cÖ‡(vRb )vFv F As‡Ki

†iwgU¨vq ‡cÖiL E MÖnL Kiv2 †cÖi‡Li †‡BW7 Ab/G iv=v2

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v¨ wb‡`©kK7gnv¨ wb‡`©kK7gn"1. Avg`vbi †‡ AwZ-gj¨v(b #s ivbi

†‡ A-gj¨v(b Kiv2"". Avg`vb v ivbi †‡ vRvi ì A‡cv Kg

v †k g‡j¨ >(w>( ;ewG 789v`b Kiv2

"d. Avg`vb c‡Lï 'isYec4aration cÖ`v‡bigv!¨‡g cL¨ g‡jï ZviZg¨ DUv‡bv E xy 'TvwK‡`(v2

". ivbi †‡ 6(v AR/CnvZ †`w=‡(ivbgj¨ cÖZ¨vv7b bv Kiv2

"h. gvjvgvj †`‡k cÖ‡k ¨ZZ 6(v `wjj¨vs‡K Rgv w`‡( †jUvi A †>wz‡Ui UvKvw‡`‡k cvSv‡bv2

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v¨ wb‡`©kK7gnv¨ wb‡`©kK7gn". Ab/‡gvw`Z wzjvi v gvwb †;Jvi jv+‡7q bv

4vKv 7‡{E ‡`wkK g/`ov >(-w>( KivwKsv jv+‡7q 4vKv 7‡{E A|!6v‡ †jb‡`bKiv2

"l. ‡;viv;vjv‡bi 7v‡4 cÖZ¨ v c‡iv6v‡ 0/G4vKv2

". Awbv7‡`i wn7v A|!6v‡ ¨nvi Kiv2"p. 6(v wj A #wHUo `vw=j Kiv2d. [L †b(vi ci †Kvb KviL ¨ZZ AwZ ZvFvZvwF

Zv cwi‡kv! Kiv2d1. 7gvšÍ #jvKv( cÖv(kt A4© †cÖiL2d".cÖ;ei †jb‡`b wKšf P?} ¨v‡jq 4vKv #s

‡ki6vM †jb‡`b RFTn' [igTW # Kiv2

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v¨ wb‡`©kK7gnv¨ wb‡`©kK7gndd. MÖvnK wb‡R BcwPmZ bv n‡( 7©`v

ww6b †jvK ~viv ¨vswKs Kg© 789v`b2d. cÖ;ei †jb‡`b K‡i †jb‡`‡bi B‡•k¨ RwUj Kiv v

!goRvj 7€w< Kiv2

dh. MÖvn‡Ki 7v‡4 7swk( Ew>(2

dl. zovM BWcv`bKvi E UovbwRU †`k v7šv7 iv


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v¨ wb‡`©kK7gnv¨ wb‡`©kK7gndp. Abjv+‡b †`‡ki ww6b cÖvšÍ †4‡K

MÖvn‡Ki wn7v‡ UvKv Rgv nE(v2

. MÖvn‡Ki wn7v‡ †)vU †)vU cwigvbRgv wK)ew`b ci ci €nW cwigv‡L

MÖvn‡Ki v Zvi P?v4© 7swk< ¨wGMZwn7v‡ #'wzAvi Kivi Rb¨ PÍvbvšÍi Kiv21. ‡0wGK KviL )vFv ¨wGMZ wn7v‡

¨7vw(K †jb‡`b Kiv2

". cÖ‡(vRb )vFv+ #K+ A4© ww6bwn7v‡ PmvbvšÍ‡ii gv!¨‡g A‡nZeK†jb‡`‡bi !/8oRvj Zi Kiv2

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6 standard str presentation[1]

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