境外金融機(jī)構(gòu)反洗錢(qián)調(diào)查問(wèn)卷

V:1.0精細(xì)整理，僅供參考境外金融機(jī)構(gòu)反洗錢(qián)調(diào)查問(wèn)卷日期：20xx年X月ForeignFinancialInstitutionAMLQuestionnaire境外金融機(jī)構(gòu)反洗錢(qián)調(diào)查問(wèn)卷Ⅰ.FinancialInstitution’SInformation金融機(jī)構(gòu)信息InstitutionName:機(jī)構(gòu)名稱：PlaceofIncorporation:注冊(cè)地：PhysicalAddressofyourheadoffice:總部地址：WebsiteAddress:網(wǎng)址：Ⅱ.GeneralAMLPolicies,PracticesandProcedures:一般的反洗錢(qián)政策、操作方式及程序 1.DoestheAMLcomplianceprogramrequireapprovaloftheFI’sBoardoraseniorcommitteethereof反洗錢(qián)合規(guī)計(jì)劃是否需要取得該金融機(jī)構(gòu)董事會(huì)或高層委員會(huì)的批準(zhǔn)

2.DoestheFIhavealegalandregulatorycomplianceprogramthatincludesadesignatedComplianceofficerthatisresponsibleforco-ordinatingandoverseeingtheAMLprogramonaday-to-daybasis,whichhasbeenapprovedbyseniormanagementoftheFI

金融機(jī)構(gòu)是否指定一名合規(guī)管理人員，負(fù)責(zé)協(xié)調(diào)及監(jiān)管反洗錢(qián)計(jì)劃合法合規(guī)，并已經(jīng)取得金融機(jī)構(gòu)高級(jí)管理層的批準(zhǔn)？

3.HastheFIdevelopedwrittenpoliciesdocumentingtheprocessesthattheyhaveinplacetoprevent,detectandreportsuspicioustransactionsthathasbeenapprovedbyseniormanagement金融機(jī)構(gòu)是否有制定具體的書(shū)面政策，詳細(xì)記錄其已實(shí)施的程序，以防止、偵察及報(bào)告可疑交易活動(dòng)，并已經(jīng)高級(jí)管理層批準(zhǔn)

4.Inadditiontoinspectionsbythegovernmentsupervisors/regulators,doestheFIclienthaveaninternalauditfunctionorotherindependentthirdpartythatassessesAMLpoliciesandpracticesonaregularbasis除了政府監(jiān)管/立法部門(mén)的監(jiān)察，金融機(jī)構(gòu)客戶是否設(shè)有一個(gè)內(nèi)部稽核部門(mén)，或者是委任其它獨(dú)立第三方，經(jīng)常性地評(píng)估反洗錢(qián)政策及操作規(guī)程

5.DoestheFIhaveapolicyprohibitingaccounts/relationshipswithshellbanks(Ashellbankisdefinedasabankincorporatedinajurisdictioninwhichithasnophysicalpresenceandwhichisunaffiliatedwitharegulatedfinancialgroup.)

金融機(jī)構(gòu)是否有政策禁止為空殼銀行開(kāi)立賬戶及進(jìn)行業(yè)務(wù)關(guān)系（空殼銀行的定義是該行在其注冊(cè)成立地區(qū)沒(méi)有實(shí)際業(yè)務(wù)，同時(shí)它不附屬于任何受監(jiān)管的金融業(yè)務(wù)集團(tuán)）6.DoestheFIhavepoliciescoveringrelationshipswithpoliticallyexposedpersonsconsistentwithindustrybestpractices?

金融機(jī)構(gòu)是否有與行業(yè)最佳操守一致的政策以監(jiān)管與政治公眾人物的關(guān)系？

7.DoestheFIhaveappropriaterecordretentionprocedurespursuanttoapplicablelaw

金融機(jī)構(gòu)是否具備根據(jù)法律制定的適當(dāng)文件保存程序

8.DoestheFIrequirethatitsAMLpoliciesandpracticesbeappliedtoallbranchesandsubsidiariesoftheFIbothinthehomecountryandinlocationsoutsideofthehomecountry金融機(jī)構(gòu)是否要求其國(guó)內(nèi)及境外地區(qū)的所有分行以及附屬機(jī)構(gòu)，遵守其反洗錢(qián)政策及操守？Ⅲ.RiskAssessment風(fēng)險(xiǎn)評(píng)估 9.DoestheFIhaveariskfocusedassessmentofitscustomerbaseandtransactionsofitscustomers金融機(jī)構(gòu)是否會(huì)對(duì)其客戶及其交易活動(dòng)進(jìn)行專門(mén)風(fēng)險(xiǎn)評(píng)估？

10.DoestheFIdeterminetheappropriatelevelofenhancedduediligencenecessaryforthosecategoriesofcustomersandtransactionsthattheFIhasreasontobelieveposeaheightenedriskofillicitactivitiesatorthroughtheFI

就那些金融機(jī)構(gòu)有足夠理由認(rèn)定其自行、或通過(guò)金融機(jī)構(gòu)進(jìn)行高風(fēng)險(xiǎn)違法活動(dòng)的客戶和交易，金融機(jī)構(gòu)是否會(huì)決定制訂適當(dāng)標(biāo)準(zhǔn)的增強(qiáng)盡職調(diào)查工作？

11.WhatAreTheMajorBusinessActivitiesOfYourInstitution?

貴機(jī)構(gòu)的主要業(yè)務(wù)活動(dòng)有哪些？

Ⅳ.KnowYourCustomer,DueDiligenceandEnhancedDueDiligence了解您的客戶（KYC）、盡責(zé)調(diào)查及增強(qiáng)盡責(zé)調(diào)查工作 12.HastheFIimplementedsystemsfortheidentificationofitscustomers,includingcustomerinformationinthecaseofrecordedtransactions,accountopening,etc.(forexample;name,nationality,streetaddress,telephonenumber,occupation,age/dateofbirth,numberandtypeofvalidofficialidentification,aswellasthenameofthecountry/statethatissuedit)

金融機(jī)構(gòu)是否有鑒別客戶身份的系統(tǒng)，包括已記錄交易及開(kāi)設(shè)賬戶時(shí)取得客戶信息（例如：姓名、國(guó)籍、住址、電話號(hào)碼、職業(yè)、年齡/出生日期、所持有效身份證明文件的號(hào)碼及種類、簽發(fā)此等文件的國(guó)家/州等）

13.DoestheFIhavearequirementtocollectinformationregardingitscustomers’businessactivities

金融機(jī)構(gòu)是否有要求收集關(guān)于客戶的業(yè)務(wù)活動(dòng)信息？

14DoestheFIcollectinformationandassessitsFIcustomers’AMLpoliciesorpractices

金融機(jī)構(gòu)是否收集及評(píng)估其金融機(jī)構(gòu)客戶的反洗錢(qián)政策或操作方式的信息？15.DoestheFIhaveprocedurestoestablisharecordforeachcustomernotingtheirrespectiveidentificationdocumentsandKnowYourCustomerInformationcollectedataccountopening

金融機(jī)構(gòu)是否有程序?yàn)槊總€(gè)客戶建立檔案，記錄在開(kāi)設(shè)賬戶時(shí)所收集的身份證明文件及KYC信息？

16.DoestheFItakestepstounderstandthenormalandexpectedtransactionsofitscustomersbasedonitsriskassessmentofitscustomers

金融機(jī)構(gòu)是否根據(jù)其對(duì)客戶的風(fēng)險(xiǎn)評(píng)估，采取行動(dòng)來(lái)了解客戶正常及預(yù)期中的交易活動(dòng)？

Ⅴ.ReportableTransactionsandPreventionandDetectionofTransactionswithIllegallyObtainedFunds須報(bào)告的交易，防止及偵察通過(guò)非法資金進(jìn)行的交易活動(dòng) 17.DoestheFIhavepoliciesorpracticesfortheidentificationandreportingoftransactionsthatarerequiredtobereportedtotheauthorities

對(duì)于那些需要向監(jiān)管部門(mén)報(bào)告的交易，金融機(jī)構(gòu)是否有政策或程序鑒別和報(bào)告此類活動(dòng)

18.DoestheFIhaveprocedurestoidentifytransactionsstructuredtoavoidlargecashreportingrequirements?

對(duì)于那些故意作出調(diào)整以回避大額現(xiàn)金報(bào)告要求的交易，金融機(jī)構(gòu)是否有程序進(jìn)行識(shí)別

19.DoestheFIscreentransactionsforcustomersortransactionstheFIdeemstobeofsignificantlyhighrisk(whichmayincludepersons,entitiesorcountriesthatarecontainedonlistsissuedbygovernment/internationalbodies)thatspecialattentiontosuchcustomersortransactionsisnecessarypriortocompletinganysuchtransactions

對(duì)于那些金融機(jī)構(gòu)認(rèn)為較高風(fēng)險(xiǎn)的客戶或交易活動(dòng)（可能包括政府/國(guó)際組織公布高風(fēng)險(xiǎn)名單中的個(gè)別人士、實(shí)體或國(guó)家），而在完成交易前必須對(duì)有關(guān)的客戶或交易給與特別關(guān)注，金融機(jī)構(gòu)是否會(huì)過(guò)濾該類交易

20.DoestheFIhavepoliciestoreasonablyensurethattheywillnotconducttransactionswithoronbehalfofshellbanksthroughanyofitsaccountsorproducts

(Ashellbankisdefinedasabankincorporatedinajurisdictioninwhichithasnophysicalpresenceandwhichisunaffiliatedwitharegulatedfinancialgroup.)

金融機(jī)構(gòu)是否有政策以合理地確保其賬戶或產(chǎn)品不會(huì)與空殼銀行進(jìn)行交易（空殼銀行的定義是該行在其注冊(cè)成立地區(qū)沒(méi)有實(shí)際業(yè)務(wù)，同時(shí)它不附屬于任何受監(jiān)管的金融業(yè)務(wù)集團(tuán)）21.DoestheFIhavepoliciestoreasonablyensurethatitonlyoperateswithcorrespondentbanksthatpossesslicensestooperateintheircountriesoforigin

金融機(jī)構(gòu)是否有政策以合理地確保它只會(huì)與在其來(lái)源國(guó)家持有運(yùn)營(yíng)牌照的往來(lái)銀行合作？Ⅵ.TransactionMonitoring監(jiān)控交易 22.DoestheFIhaveamonitoringprogramforsuspiciousorunusualactivitythatcoversfundstransfersandmonetaryinstruments(suchastravellerschecks,moneyorders,etc.)

金融機(jī)構(gòu)是否有監(jiān)控計(jì)劃，用于監(jiān)控那些掩飾真實(shí)資金轉(zhuǎn)移及付款指示（例如旅行支票、匯款單等）的可疑或不尋?；顒?dòng)？

Ⅶ.AMLTraining反洗錢(qián)培訓(xùn)23.DoestheFIprovideAMLtrainingtorelevantemployeesthatincludesidentificationandreportingoftransactionsthatmustbereportedtogovernmentauthorities,examplesofdifferentformsofmoneylaunderinginvolvingtheFI’sproductsandservicesandinternalpoliciestopreventmoneylaundering

金融機(jī)構(gòu)是否為其有關(guān)員工提供反洗錢(qián)培訓(xùn)，此類培訓(xùn)包括識(shí)別及報(bào)告那些需要向政府部門(mén)報(bào)告的交易、各種牽涉金融機(jī)構(gòu)產(chǎn)品及服務(wù)的不同形式洗錢(qián)活動(dòng)、內(nèi)部的反洗錢(qián)政策

24.DoestheFIretainrecordsofitstrainingsessionsincludingattendancerecordsandrelevanttrainingmaterialsused?

金融機(jī)構(gòu)是否保留其培訓(xùn)課程的各項(xiàng)記錄，包括出席記錄及所用教材等25.DoestheFIhavepolicies