Bank Secrecy Act/Anti-Money Laundering Examination Manual - ffiec

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Acronym or abbreviation Full name NCCT Non-Cooperative Countries and Territories NCUA National Credit Union Administration NDIP Nondeposit Investment Products NGO Non-Governmental Organization NIS Nominee Incorporation Services NRA Nonresident Alien NSF Nonsufficient Funds NSL National Security Letter NYCH New York Clearing House Association, L.L.C. OCC Office of the Comptroller of the Currency ONDCP The Office of National Drug Control Policy ODFI Originating Depository Financial Institution OFAC Office of Foreign Assets Control OFC Offshore Financial Center OTS Office of Thrift Supervision PEP Politically Exposed Person PIC Private Investment Company POS Point-of-Sale PTA Payable Through Account PUPID Payable Upon Proper Identification RA Regulatory Alerts Appendix Q: Acronyms FFIEC BSA/AML Examination Manual Q–4 7/28/2006
Acronym or abbreviation Full name RDFI ROE Receiving Depository Financial Institution Report of Examination SAR Suspicious Activity Report SDN Specially Designated Nationals or Blocked Persons SEC U.S. Securities and Exchange Commission SOD Summary of Deposits SSN Social Security Number Appendix Q: Acronyms SWIFT Society for Worldwide Interbank Financial Telecommunication TD F Treasury Department Form TIN Taxpayer Identification Number TPSP Third-Party Service Provider UBPR Uniform Bank Performance Report USA PATRIOT Act (Patriot Act) USC United States Code Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 FFIEC BSA/AML Examination Manual Q–5 7/28/2006
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Bank Secrecy Act / Anti-Money Laund
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Table of Contents Examination Proce
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INTRODUCTION Introduction This Fede
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Background Introduction In 1970, Co
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U.S. Treasury Introduction The BSA
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Introduction international narcotic
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Introduction Other legitimate sourc
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Scoping and Planning — Overview C
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Scoping and Planning — Overview T
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Scoping and Planning — Examinatio
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Scoping and Planning — Examinatio
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BSA/AML Risk Assessment — Overvie
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BSA/AML Risk Assessment — Overvie
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• High Intensity Financial Crime
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Examiner Development of a BSA/AML R
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BSA/AML Risk Assessment — Examina
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BSA/AML Compliance Program — Over
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BSA/AML Compliance Program — Exam
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BSA/AML Compliance Program — Exam
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Independent Testing BSA/AML Complia
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Developing Conclusions and Finalizi
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Developing Conclusions and Finalizi
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Customer Identification Program —
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Customer Information Required Custo
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Transaction Testing Customer Identi
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Customer Due Diligence — Overview
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Customer Due Diligence — Examinat
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Suspicious Activity Reporting — O
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Law Enforcement Inquiries and Reque
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Suspicious Activity Reporting — E
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CTR Backfiling Currency Transaction
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Currency Transaction Reporting —
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Annual Review Currency Transaction
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Currency Transaction Reporting Exem
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Currency Transaction Reporting Exem
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Information Sharing — Overview wi
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Information Sharing — Overview ap
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Examination Procedures Information
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Information Sharing — Examination
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Contemporaneous Purchases Purchase
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Purchase and Sale of Monetary Instr
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Responsibilities of Originator’s
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Funds Transfers Recordkeeping — O
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Funds Transfers Recordkeeping — O
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Foreign Correspondent Account Recor
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Private Banking Due Diligence Progr
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Special Measures — Overview minim
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Examination Procedures Special Meas
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Foreign Bank and Financial Accounts
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International Transportation of Cur
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Office of Foreign Assets Control
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Enterprise-Wide BSA/AML Compliance
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Foreign Branches and Offices of U.S
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Examination Procedures Parallel Ban
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Correspondent Accounts (Domestic)
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Correspondent Accounts (Domestic)
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large currency transactions. Corres
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Correspondent Accounts (Foreign)
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Correspondent Accounts (Foreign)
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U.S. Dollar Drafts — Overview U.S
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U.S. Dollar Drafts — Examination
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Payable Through Accounts — Overvi
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Payable Through Accounts — Examin
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Payable Through Accounts — Examin
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Risk Mitigation Pouch Activities
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Pouch Activities — Examination Pr
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Electronic Banking — Overview lin
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Funds Transfers — Overview Funds
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Funds Transfers — Overview • Di
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Risk Mitigation Funds Transfers —
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Funds Transfers — Examination Pro
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Automated Clearing House Transactio
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Automated Clearing House Transactio
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Transaction Testing Automated Clear
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Electronic Cash — Overview Using
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Third-Party Payment Processors —
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Third-Party Payment Processors —
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Purchase and Sale of Monetary Instr
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Brokered Deposits — Overview Brok
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Examination Procedures Brokered Dep
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Privately Owned Automated Teller Ma
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Privately Owned Automated Teller Ma
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Privately Owned ATMs — Examinatio
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Nondeposit Investment Products —
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Insurance — Overview Insurance
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• The identification of high-risk
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Insurance — Examination Procedure
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Concentration Accounts — Overview
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Lending Activities — Overview Len
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Examination Procedures Lending Acti
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Trade Finance Activities — Overvi
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Trade Finance Activities — Overvi
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Private Banking — Overview Privat
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Private Banking — Overview allow
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• The current source of funds for
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Examination Procedures Private Bank
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Trust and Asset Management Services
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Nonresident Aliens and Foreign Indi
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Nonresident Aliens and Foreign Indi
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Politically Exposed Persons — Ove
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Risk Factors Politically Exposed Pe
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Politically Exposed Persons — Exa
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Embassy and Foreign Consulate Accou
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Embassy and Foreign Consulate Accou
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Non-Bank Financial Institutions —
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Professional Service Providers —
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Professional Service Providers —
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Non-Governmental Organizations and
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Non-Governmental Organizations and
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Business Entities (Domestic and For
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Cash-Intensive Businesses — Overv
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Appendix A: BSA Laws and Regulation
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Appendix B: BSA/AML Directives Appe
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Web Sites Appendix C: BSA/AML Refer
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• Federal Register notices. • E
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Appendix D: Statutory Definition of
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Appendix E: International Organizat
Page 315 and 316: Appendix F: Money Laundering and Te
Page 323 and 324: Appendix G: Structuring Appendix G:
Page 325 and 326: Appendix H: Request Letter Items (C
Page 329 and 330: Purchase and Sale of Monetary Instr
Page 335 and 336: Automated Clearing House Transactio
Page 341 and 342: Nonresident Aliens and Foreign Indi
Page 343 and 344: Cash-Intensive Businesses Appendix
Page 345 and 346: Appendix J: Quantity of Risk Matrix
Page 347 and 348: Appendix J: Quantity of Risk Matrix
Page 349 and 350: Appendix L: SAR Quality Guidance Ap
Page 351 and 352: Appendix M: Quantity of Risk Matrix
Page 353 and 354: Appendix N: Private Banking — Com
Page 355 and 356: Appendix O: Examiner Tools for Tran
Page 357 and 358: Appendix P: BSA Record Retention Re
Page 359 and 360: • Name of purchaser. • Date of
Page 361 and 362: Appendix P: BSA Record Retention Re
Page 363 and 364: Acronym or abbreviation Full name A
Page 365: Acronym or abbreviation Full name I
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Bank Secrecy Act/Anti-Money Laundering Examination Manual - ffiec

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