兆豐銀行紐約分行處分同意書
閱覽人數2279政論~金融事件
這是一位熟稔台灣及美國兩國金融業務、市場實務、制度規範、檢查制度的友人Agoc君針對紐約金融局NYDFS對兆豐銀處分的重點翻譯如下，可知總行管理不周，其高層難脫干係，相關官員怎麼說管不着?
Flagrant disregard of anti-money laundering laws and will take decisive and tough action against any institution that fails to have compliance programs in place to prevent illicit transactions
該行明顯的忽視反洗錢防制法，(NYDFS)將對於疏於制定措施的機構，採取嚴厲方式制裁，以防止不法交易的發生。
1. “The compliance failures that DFS found at the New York Branch of Mega Bank are serious, persistent and affected the entire Mega banking enterprise and they indicate a fundamental lack of understanding of the need for a vigorous compliance infrastructure. Mega Bank's compliance program was a hollow shell, and this consent order is necessary to ensure future compliance.”
紐約金融局，查覺兆豐銀行紐約分行對於防範配合措施一向不足，事態嚴重，足以說明整個銀行洗錢防範基本措施嚴重不足，該銀行防範有若空殻，我們的同意書要求改善，防範於未來。
2. Violations of anti-money laundering requirements at Mega Bank were uncovered in a recent DFS examination, which found that the bank’s head office was indifferent toward risks associated with transactions involving Panama, recognized as a high-risk jurisdiction for money-laundering.
檢查發現，該行違反洗錢防制法規定；總行對於有關巴拿馬的交易也漠不關心，巴拿馬是一個被認定為洗錢高風險交易的國家。
3. Mega Bank has a branch in Panama City and another in Panama’s Colon Free Trade Zone. DFS’s investigation identified a number of suspicious transactions running between Mega Bank’s New York and Panama Branches. The investigation also determined that a substantial number of customer entities, which have or had accounts at several other Mega Bank branches, were apparently formed with the assistance of the Mossack Fonseca law firm in Panama. Mossack Fonseca is one of the law firms at the center of the formation of shell company activity, possibly designed to skirt banking and tax laws worldwide, including U.S. laws designed to fight money laundering.
該兆豐銀行在巴拿馬市及哥朗自由貿易區有分行，金融局檢查發現而且確認，在紐行及巴拿馬分行間有許多可疑交易；也發現好幾家其他分行中，不少客戶是莫沙克風社卡律師事務所所設立，該律師事務所惡名昭彰，專門替人設立空殼公司，逃避銀行及稅法，包括美國的防範洗錢法。
The BSA/AML officer for the New York branch, who was based at the bank’s Taiwan headquarters, and the branch’s chief compliance
該兆豐銀行在巴拿馬市及哥朗自由貿易區有分行，金融局檢查發現而且確認，在紐行及巴拿馬分行間有許多可疑交易；也發現好幾家其他分行中，不少客戶是莫沙克風社卡律師事務所所設立，該律師事務所惡名昭彰，專門替人設立空殼公司，逃避銀行及稅法，包括美國的防範洗錢法。
The BSA/AML officer for the New York branch, who was based at the bank’s Taiwan headquarters, and the branch’s chief coicer both lacked familiarity with U.S. regulatory requirements. In addition, the chief compliance offer had conflicted interests because she had key business and operational responsibilities, along with her compliance role.
該分行主管洗錢防制法主管在該台灣總行，與紐行負責防制法主管，兩人都對於反洗錢防制法不熟悉。尤有甚者，紐約分行負責防制法主管,又負責日常主要業務工作，性質衝突。
該分行主管洗錢防制法主管在該台灣總行，與紐行負責防制法主管，兩人都對於反洗錢防制法不熟悉。尤有甚者，紐約分行負責防制法主管,又負責日常主要業務工作，性質衝突。
Compliance staff at both the head office and branch failed to periodically review surveillance monitoring filter criteria designed to detect suspicious transactions. Also, numerous documents relied upon in transaction monitoring were not translated to English from Chinese, precluding effective examination by regulators.
總行及紐行負責該防範工作人員疏於定期查驗可疑交易，又沒將其為數甚多有關文件，從中文譯成英文，以致查帳人員，無法作有效檢查。
The New York branch procedures provided virtually no guidance concerning the reporting of continuing suspily: 'Calibri','sans-serif'; font-size: 14pt;" lang="EN-US">Compliance staff at both the head office and branch failed to periodically review surveillance monitoring filter criteria designed to detect suspicious transactions. Also, numerous documents relied upon in transaction monitoring were not translated to English from Chinese, precluding effective examination by regulators.
總行及紐行負責該防範工作人員疏於定期查驗可疑交易，又沒將其為數甚多有關文件，從中文譯成英文，以致查帳人員，無法作有效檢查。
The New York branch procedures provided virtually no guidance concerning the reportingcious activities; had inconsistent compliance policies; and failed to determine whether foreign affiliates had in place adequate AML controls.
紐約分行洗錢防制法，其關於如何申報可疑交易，幾無準則規範可言，且前後不一致，以致無法確認，對於外國關係企業，是否有完善防範洗錢措施，紐約分行洗錢防制法，其關於如何申報可疑交易，幾無準則規範可言，且前後不一致，以致無法確認，對於外國關係企業，是否有完善防範洗錢措施。
After reading the above, it is very clear who is responsible. The top management in the head office, the Financial Supervisory Agency (金管會) should be responsible.
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