美国留学生作业代写 金融行动

根据金融行动特别工作组的建议20，受监管金融部门的所有人员都有义务作出可疑交易报告(STR)。他们必须了解他们的客户和他们的业务。此外，他们必须通过具体培训来提高对这一领域的认识，从而认识到与洗钱和恐怖主义融资有关的风险。因此，受本建议约束的人必须在审查了在其头脑中引起怀疑的帐户因素后，如不正常的交易量、客户拒绝提供支持文件等，提交STR。由于了解客户及其活动以及与ML/TF相关的所有风险，一个人可以基于合理的怀疑理由合理地完成一个STR。一个人仅仅根据不准确的假设猜测可能是在猜测一个疑问。因此，客观的知识或怀疑的测试必须确定从主观怀疑到客观怀疑的转变，因为理性的基础和因素提出了危险信号的指标。但是，如果一个人明知是STR，却不去做，从而隐藏了他的怀疑;他犯了应受法律惩罚的职业不端行为。这意味着他自愿不知道关键因素，以避免报告这一交易，并可能被指控故意视而不见。法律所使用的这一原则意味着，一个人为了隐藏刑事责任而自愿对某些因素一无所知。这种情况会造成严重的财务后果，也会影响金融机构的声誉，甚至倒闭。新西兰协会的文章描述了品汉金融有限公司在新西兰的董事的判决。他未能核实372名顾客的身份，并漏报172宗可疑交易。由于未能履行尽职调查和贸易代表办公室的职责，该公司被处以529万美元的罚款、6个月监禁和200小时的一般工作时间，并因此被清盘。

美国留学生作业代写 金融行动

According to the FATF recommendation 20, all persons in the regulated financial sector are subject to the duty to make a suspicious transaction report (STR). They must know their client and their business. Furthermore, they must be aware of the risks associated with money laundering and terrorist financing through specific training to increase their awareness in this field.Therefore, a person subject to this recommendation must file an STR after reviewing elements on an account that raised suspicion in his mind such as an abnormal transaction volume, the refusal of a client to provide supporting documents. Thanks to his knowledge of the client and his activity and all the risks related to ML/TF, a person can complete an STR rationally on reasonable grounds of suspicion. A person guessing just based on inaccurate assumptions might be speculating on a doubt. Hence, the objective test of knowledge or suspicion must determine the transition from a subjective to an objective suspicion due to rational foundations and elements that raised red flag indicators. However, a person that fails to make an STR while he knows about it and hides his suspicion; he commits professional misconduct punishable by law. It means that he voluntarily remained in the ignorance of crucial elements to avoid reporting this transaction and can be accused of willful blindness. This principle, used by law, means that a person has voluntarily remained in ignorance about elements to hide a criminal liability. This type of situation can have serious financial consequences and also on the reputation of a financial institution or even its closure. The New Zealand Society articles depict the judgement sentence of the director of Pin Han Finance LTD in New Zealand.[16] He fails to verify the identity of 372 customers and miss to report 172 suspicious transactions. The default of due diligence and STR resulted in a fine of $ 5.29 million, 6 months in jail and 200 hours of general work for the director and therefore its liquidation.