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    6 Standard STR Presentation

    Uploaded by

    rajin_rammstein
    This document discusses techniques for monitoring transactions for suspicious activity. It outlines methods for identifying unusual transactions and analyzing transaction monitoring reports. Red flags that could indicate suspicious behavior are also presented.

    Copyright:

    © All Rights Reserved
    Download as PPT, PDF, TXT or read online from Scribd

    6 Standard STR Presentation

    Uploaded by

    rajin_rammstein
    84 views31 pages
    This document discusses techniques for monitoring transactions for suspicious activity. It outlines methods for identifying unusual transactions and analyzing transaction monitoring reports. Red flags that could indicate suspicious behavior are also presented.

    Original Description:

    6 Standard STR Presentation[1]

    Original Title

    6 Standard STR Presentation[1]

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    This document discusses techniques for monitoring transactions for suspicious activity. It outlines methods for identifying unusual transactions and analyzing transaction monitoring reports. Red flags that could indicate suspicious behavior are also presented.

    Copyright:

    © All Rights Reserved
    Download as PPT, PDF, TXT or read online from Scribd
    Download as ppt, pdf, or txt
    84 views31 pages

    6 Standard STR Presentation

    Uploaded by

    rajin_rammstein
    This document discusses techniques for monitoring transactions for suspicious activity. It outlines methods for identifying unusual transactions and analyzing transaction monitoring reports. Red flags that could indicate suspicious behavior are also presented.

    Copyright:

    © All Rights Reserved
    Download as PPT, PDF, TXT or read online from Scribd
    Download as ppt, pdf, or txt
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    Suspicious Transaction

    Identification and Reporting

    Transaction Monitoring
    Techniques
    1. MvnKi jb`b gwbUwis Kb t-

    wbRi Rb: wbRi PvKzixi wbivcv wbwZ Kivi Rb GwU


    cqvRbxq|

    cwZvbi Rb : `xN gqv` cwZvbi mybvg iv I


    SuywKgy ivLZ GwU AZvekK| GGgGj evsKi 6wU Kvi
    wii GKwU| lvbvwmK wfwZ CAMELS Rating wbYq
    GGgGj iwUsI Af iqQ| Gi gvag evsjv`k evsK Kvb
    evsKi mse`bkxjZv I mgZv wbYq Ki|

    `ki Rb: `ki wbivcv I mgwi ^v_ gvwb jvwis I


    mvm A_vqb cwZiva Kiv cqvRb| mvmx iv ev
    `ybxwZM ivi Kvjv ZvwjKv _K gywi jI GwU
    cqvRbxq|

    AvRvwZK wewaweavb cwicvjb: GdGwUGd Gi


    mycvwik evevqb, BDGb Gi bvbvwea iRyjykb cwicvjb,
    AvwjK I AvRvwZK mycvwik evevqbi Rb GwU AvekK|
    2

    Transaction Monitoring Techniques

    2. jb`b gwbUwis Gi cwZ t wnmve Lvjvi h_vh_ I mvgmc~Yfve KYC


    I TP bqv|
    wnmve Lvjvi mgq MvnKi NvwlZ wUwc Zvi
    vZ Avqi mv_ mvgmc~Y wKbv Zv hvPvB
    Kiv|
    MvnK Zvi cwiwPwZ I Avqi Z_ c`vb
    Mwogwm KiQ wKbv Zv AejvKb Kiv|
    MvnK KZK wnmve cwiPvjbvi KYC I TP
    h_vh_fve AbymiY Kiv nQ wKbv Zv AejvKb Kiv|
    KYC I TP nvjbvMv` Kivi nvjbvMv`KZ wUwc
    vZ Avqi mv_ mvgmc~Y wKbv Zv hvPvB
    Kiv|
    3

    Transaction Monitoring Techniques


    nvjbvMv`KZ

    KYC I TP Gi wfwZ wi MwWs

    cZ Kiv|
    DP SuywKhy MvnK`i ZvwjKv Zix KiZt Zv`i
    jb`b wbqwgZ gwbUi Kiv|
    NvwlZ wUwci mv_ jb`b A^vfvweKZv `Lv Mj
    MvnKi wbKU _K D jb`bi MnYhvM eLv
    Av`vq Kiv|
    PEPs MvnK`i wnmve Lvjvi DaZb
    eevcbvi Abygv`b MnY Ges jb`bi AwZwi
    mZKZv Aej^b Kiv|
    e`wkK iwgUn Abvb BbIqvW I AvDUIqvW
    iwgU Gi MwZ-cKwZ, MvnKi eemv/Avqi
    mv_ Gi mvgmZv, iwgU cvwi/ciYi
    hwKZv BZvw` gwbUwis Kiv|
    4

    CTR Analysis
    bM` jb`b wicvwUs (CTR)
    evsjv`k evsK wicvU KiZ ne, hw`
    GKwU wnmve
    GKw`b
    10 j UvKv
    bM` Rgv ev bM` Dvjb nq|
    (AbjvBb jb`bmn)
    (CTR Gi Rb wbavwiZ dig iqQ)

    CTR Analysis
    Kvk

    iwRvi/weeiYxi mv_ H gvm `vwLjKZ CTR


    wicvU kvLv KZK cixvc~eK Gi mwVKZv
    wbwZ KiZ ne|
    `wbK wfwZ MvnKi wmwUAvi hvPvB I weklb
    KiZ ne|
    DP SuywKhy MvnKi wmwUAvi wbqwgZfve
    hvPvB KiZ ne| jb`b A^vfvweKZv cwijwZ nj
    MvnKi KvQ _K jb`bi hwKZvi NvlYv msMn
    KiZ ne|
    wmwUAvi weklY Kvb MvnKi jb`b A^vfvweK
    gb nj MvnKi KvQ _K jb`bi KviY/eLv
    msMn KiZ ne| MvnK c` eLv mvlRbK bv
    nj Zv m`nRbK jb`b wnmve wPwnZ KiZt CAMLCO
    Gi gvag evsjv`k evsK wicvU KiZ ne|
    6

    Structuring Monitoring
    gvwbjvwis

    cwZiva AvBb, 2012 Gi 2(d)(C)


    aviv Abyhvqx Structuring GKwU gvwb jvwis
    Aciva|
    Structuring ejZ eySvq, Kvb Avw_K jb`b
    Gicfve mb Kiv ev mb Kivi Pv Kiv
    hvZ AvBbi Aaxb Zv wicvU Kivi cqvRb bv
    nq|
    kvLv Ggb GKwU cwqv Aej^b Kie hvZ
    Kvb wnmve Structuring cKwZi jb`b
    cwijwZ nj Zv mnR D`&&NvUb I wbweo
    Z`viwKi AvIZvq Avbv hvq|
    mevcwi Structuring mbv nj Zv m`nRbK
    jb`b wnme wPwnZ KiZt CAMLCO Gi gvag
    evsjv`k evsK wicvU KiZ ne|
    7

    m`nRbK jb`b wK?


    MvnKi

    eemvwqK, Avw_K I Abvb KgKvi


    mv_ Amvgmc~Y AvPiY/jb`bK m`nRbK
    jb`b/Kvhg wnmve weePbv Kiv nq|

    gvwbjvwis

    cwZiva AvBb, 2012 Gi 2(h)

    aviv
    m`nRbK jb`b A_ GBic jb`b--(1) hvnv ^vfvweK jb`bi aib nBZ wfb;
    (2) h jb`b mK GBic aviYv nq h,
    (K) Bnv Kvb Aciva nBZ AwRZ m`,
    (L) Bnv Kvb mvmx Kvh, Kvb mvmx
    msMVbK ev Kvb
    mvmxK A_vqb;
    8

    Unusual vs. suspicious


    activity
    Unusual Activity
    Something out of the normal pattern.
    It may require additional investigation
    to conclude whether the transaction is
    suspicious or genuine.
    All unusual transactions are not
    suspicious.
    Suspicious Activity
    Any activity/ transaction where a
    dishonest action may be involved.
    Suspicious activity can be identified
    through various red flags ( indicators of
    suspicious activity).

    Indicators of unusual activity

    10

    Indicators of suspicious activity

    11

    m`nRbK jb`b

    12

    A^vfvweK jb`b
    ^vfvwe
    K jb`b

    A^vfvw
    eK
    jb`b

    wnmve Lvjvi dig


    c` Z_
    mieivnKZ KvMRc
    c` wUwc
    KIqvBwm
    wnmve Lvjvi dig
    c` Z_
    mieivnKZ KvMRc
    c` wUwc
    KIqvBwm

    mwZ
    c~Y

    AmwZ
    c~Y

    13

    A^vfvweK jb`b
    A^vf
    vweK
    jb`b

    m
    vlRbK
    Di/
    WKzgU
    cvIqv
    Mj

    MvnKi mv_ hvMvhvM


    jb`b
    Kiv
    wU
    A^vfvweK jb`bi KviY
    m`n
    mK wRvmv Kiv
    RbK
    jb`bi ^c WKzgU
    msMn Kiv
    mvlRbK
    Di/WKzgU bv
    cvIqv Mj
    ^vfv
    MvnK
    weK
    hvMvhvM bv
    jb`b
    Kij
    MvnKK cvIqv
    bv Mj

    14

    m`nRbK jb`b
    wicvwUs
    gvwb jvwis cwZiva AvBb-2012 Gi
    25(N) aviv
    Abyhvqx evwYwRK evsK GBic m`RbK
    jb`b
    mwKZ Z_ ^-D`vM evsjv`k
    evsK wicvU Kie|
    G Gg Gj mvKyjvi bs 2 I 19 Gi wb`kbv
    Abymvi evsKmg~n m`nRbK jb`b
    mwKZ Z_
    h_vh_fve evsjv`k evsKK wicvU
    Kie|
    15

    m`nRbK jb`b
    wicvwUs
    cwqv
    G Gg Gj mvKyjvi bs 2 G mec_g GmwUAvi
    wicvwUs dig `qv nq| evsjvq gyw`Z H dig
    wicvUKvix KgKZvi bvg jLvi evaZvaKZv
    wQj hv cieZxZ cwieZb Kiv nqQ|
    H mvKyjvi GmwUAvi mbvKiY jbxq
    welqvw`i wb`kK (Indicative) ZvwjKv `qv nq|
    G Gg Gj mvKyjvi bs 8 G GmwUAvi
    wicvwUs dig wKQzUv cwieZb mvab Ki
    digwU BsiwRZ cPjb Kiv nq|
    mekl G Gg Gj mvKyjvi bs 19 G GmwUAvi
    wicvwUs dig bZzbfve `qv nqQ| G dig
    wicvUKvix KgKZvi bvg bB|
    16

    m`nRbK jb`b
    wicvwUs
    cwqv
    evsKi Kvb kvLvq m`nRbK jb`b j Kiv Mj
    mv_ mv_ Zv wicvU KiZ ne;
    kvLvi h KgKZv m`nRbK jb`b j Kieb
    wZwbB
    kvLv gv. j. c. cwicvjb KgKZvi KvQ
    wicvU Kieb|
    kvLv gv. j. c. cwicvjb KgKZv welqwU
    hvPvB Ki gemn
    cavb Kvhvjq cvVveb ev bw_f~ Kieb|
    cavb gv. j. c. cwicvjb KgKZv welqwU
    cybt Z` I hvPvB
    Ki gemn evsjv`k evsK cvVveb ev
    bw_f~ Kieb|
    17

    m`nRbK jb`b
    wicvwUs cwqv
    Four Stages-

    Identification - of Suspicious activity


    Investigation - through

    appropriate questioning

    Evaluation - against previous account activity


    Disclosure - if doubt/suspicious, report to

    BFIU of Bangladesh bank through CCU.

    18

    Procedures
    ABNORMA
    L
    TRANSACT
    ION

    Compari
    ng

    Information provided
    in AOF
    Transaction Profile
    KYC Profile
    Other relevant
    documents
    Findi
    ng

    Inconsist
    ent
    SUSPICIOU
    S
    TRANSACT
    ION

    Consiste
    nt

    Normal/
    Expected
    Transacti
    on

    Procedures
    Detect unusual
    transaction/activ
    ity (any officer
    or BAMLCO)

    Evaluate
    by
    BAMLCO

    Not suspicious

    Findi
    ng

    Close with
    proper
    records

    Suspicious
    Sent to CCU
    & Keep
    record

    Evaluate
    by CCU
    Not suspicious

    Finding
    s
    Suspiciou
    s
    Report to
    BB & keep
    records

    Close with
    proper
    records

    m`nRbK Kvhg
    wicvwUs (SAR)
    Check fraud
    Check kitting
    Commercial/consumer loan fraud
    Embezzlement
    Suspicious Wire Transfer
    Suspicious act. in safe deposit box
    Suspicious act. In mc/ins/security
    jb`b
    wU
    m`n
    RbK

    Terrorist Financing
    Debit/Credit Card fraud
    Structuring
    Mortgage fraud
    Suspicious act. Trade fina.

    m`nRbK jb`b/Kvhg
    mbvKiY (Identification)

    m`nRbK jb`bi m
    ve wb`kKmg~n

    1. bvbv welqvw` MvcbKiY, Dn ivLv, QveiY


    Zix ev Gwoq hvIqvi cqvm Ges MvnK c`
    wewfb Z_ AmvgmZv cwijwZ nIqv|
    2. wnmve Lvjvi mgq cqvRbxq AZvekKxq
    Z_ c`vb Abxnv c`kb, Am`ycvq Aej^b
    ev cZviYv Kiv|
    3. fzj wVKvbv c`vb Kiv ev wVKvbvwU Ggbfve
    c`vb Kiv hv mZ ev wg_v bq, wK cixv Kiv
    me nq bv|
    4. Kvb KviY QvovB wbKUeZx evsK kvLv iL
    `~ieZx evsK kvLvq wnmve cwiPvjbv Kiv|
    5. Ab Kvb evsK wnmve AvQ wKbv Zv
    RvbvZ Abxnv c`kb|
    23

    m`nRbK jb`bi m
    ve
    wb`kKmg~n
    6. jb`bi AbygwZ gvvq DwjwLZ Z_ Zvi
    eemvi cwiwai mv_ mvgmc~b bq|
    7. MvnKi eemvqj cwi`kb Ki
    mvlRbK gb bv nIqv|
    8. eemvqi cKwZMZ KviY PK ev Ab
    BbygU jb`b mvw`Z njI nVvr Ki
    A^vfvweK eo AsKi bM` jb`b eo hvIqv|
    9. Kvb wnmve bM` ev QvU QvU PK
    Rgv njI gvU Rgvi cwigvb hw` AbywgZ
    gvv ev ^vfvweKi Pq AwaK nq|
    10.wnmvei ^vfvweK MwZ cKwZ
    AbymiY bv Ki bM` jb`b AvMn c`kb|
    24

    m`nRbK jb`bi m
    ve
    wb`kKmg~n
    11. MvnKi wnmve Rvj/fyqv BUyygU Rgv `qv|
    12. MvnKi wewfb bvg ev wewfb cwZvbi
    bvg AbKwj wnmve _vKv Ges mejv wnmve wgj
    cwiPvwjZ jb`b A^vfvweKZv cwijwZ nIqv|
    13.evsKi AvZ AbKjv evsK/wicvwUs
    GRwZ wnmve cwiPvjbv Kiv; wK Znwej
    GKxKiYi KviY ev evisevi Znwej vbvi Kivi dj
    evsK KZK Ab wnmvejv mK AewnZ
    nIqv|
    14. hywmZ KviY QvovB Ab ewi PK evievi eo
    AsKi RgvKiY|
    15. nVvr evsK GK ev GKvwaK jKvi MnY, NY NY
    eenvi Ges mxj Kiv cvKU evievi ivLv Ges DVvbv|

    25

    m`nRbK jb`bi m
    ve
    wb`kKmg~n
    16. evsK KZK KZb Kiv PvRmg~n,
    evsK my`, wewfb myhvM-myweav
    BZvw` mK J`vwmb c`kb|
    17. Kvb vZ KviY QvovB e msLK jvK
    KZK Kvb wnmve UvKv Rgv
    Kiv|
    18. `xNw`bi mgmv RRwiZ FY vZ
    KviY QvovB nVvr cwikva Kiv|
    19. vZ Kvb KviY Qvov ZZxq ci m`i
    wecixZ FY cvevi cve `qv|
    20.eemvwqK cqvRb Qvov eo AsKi
    iwgUv ciY I MnY Kiv| ciYi
    Drm Aby ivLv|
    26

    m`nRbK jb`bi m
    ve
    wb`kKmg~n
    21. Avg`vbxi AwZ-g~jvqb Ges ivbxi
    Ae-g~jvqb Kiv|
    22. Avg`vbx ev ivbxi evRvi `i Acv Kg
    ev ekx g~j q/weq Pzw mv`b Kiv|
    23. Avg`vbx cYi mis-declaration c`vbi
    gvag cY g~ji ZviZg NUvbv I duvwK
    `qv|
    24. ivbxi f~qv ARy&nvZ `wLq
    ivbxg~j cZvevmb bv Kiv|
    25. gvjvgvj `k cek eZxZ f~qv `wjj
    evsK Rgv w`q jUvi Ae wWUi UvKv
    we`k cvVvbv|
    27

    m`nRbK jb`bi m
    ve
    wb`kKmg~n
    26. Abygvw`Z wWjvi ev gvwb Pvi jvBm bv
    _vKv mI e`wkK gy`v q-weq Kiv
    wKsev jvBm _vKv mI Aeafve jb`b
    Kiv|
    27. PvivPvjvbi mv_ cZ ev civfve hy
    _vKv|
    28. Awbevmx`i wnmve Aeafve eenvi Kiv|
    29. f~qv wej Ae GwU `vwLj Kiv|
    30. FY bqvi ci Kvb KviY eZxZ AwZ ZvovZvwo
    Zv cwikva Kiv|
    31. mxgv GjvKvq cvqkt A_ ciY|
    32.cPzi jb`b wK ^ evj _vKv Ges
    ekxifvM jb`b Round Figure G Kiv|
    28

    m`nRbK jb`bi m
    ve
    wb`kKmg~n
    33. MvnK wbR DcwZ bv nq me`v
    wewfb jvK viv evswKs Kg mv`b|
    34. cPzi jb`b Ki jb`bi Dk RwUj Kiv ev
    a~gRvj mw Kiv|
    35. MvnKi mv_ mswkZv bq Gic
    Abvb ci bvg wewfb Me A_ ciY|
    36. MvnKi vZ AvBbwm Avqi mv_
    msMwZnxb enrgvvi wmwKDwiwUR q I
    weq|
    37. WvM Drcv`bKvix I UvbwRU `k ev
    mvmx iv _K iwgU Avmv|
    38. Cash Transaction Reporting(CTR) _K invB cvIqvi
    (jyKvbvi) Rb Structuring Kiv|
    29

    m`nRbK jb`bi m
    ve wb`kKmg~n
    39. AbjvBb `ki wewfb cv _K
    MvnKi wnmve UvKv Rgv nIqv|
    40. MvnKi wnmve QvU QvU cwigvb
    Rgv wKQzw`b ci ci enr cwigvY
    MvnKi ev Zvi ^v_ mswk ewMZ
    wnmve GdwWAvi Kivi Rb vbvi Kiv|
    41. hwK KviY Qvov ewMZ wnmve
    eemvwqK jb`b Kiv|
    42. cqvRb QvovB GKB A_ wewfb
    wnmve vbvii gvag AnZzK
    jb`bi ayRvj Zix Kiv|

    30

    31

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