Bank anti-money laundering self-check report

According to the work arrangement of the municipal bank, the agency conducted self-examination and self-correction of the anti-money laundering work of the credit cooperatives within the jurisdiction from May to June. The relevant situation is reported as follows:

1. Establish and improve the internal control of anti-money laundering in accordance with the regulations of the Bank of China. In May of the year, the Associated Press established the supervision and inspection system for major inspection items of large-value transactions and suspicious transactions, and added anti-money laundering maintenance sub-transactions in the comprehensive business system deposit business transaction on June 10, 200*. Real-time monitoring and analysis of anti-money laundering work.

Second, the establishment of a special anti-money laundering work organization, and the necessary staff to be responsible for anti-money laundering work, can achieve "three clear", "two implementation", the implementation of anti-money laundering duties to the post, to implement. The accounting and exporting department is responsible for collecting the anti-money laundering work, the large-value payment report and the suspicious payment report, and submitting it to the bank on a monthly basis, and supervising and inspecting the anti-money laundering situation of the grassroots organizations in accordance with the principle of hierarchical management.

Third, develop effective anti-money laundering measures:

1. Establish a customer identity registration system. In accordance with the principle of “knowing the customer” system, when the customer opens an account, the counter business personnel strictly review the authenticity, completeness and validity of the materials, certification files and materials provided by the customer; and carefully carry out the understanding of customer activities according to the principle of prudence. Analyze the business scope, business scale, business characteristics and capital flow of important customers, and timely monitor the cash transactions and account transactions of their accounts.

2. On the integrated business system, save the customer account information and transaction records according to the specified time limit, establish the depositor information data file, and save the information of the depositor of the bank settlement account, including the name of the depositor of the unit bank settlement account, the legal representative or the person in charge. Name and number of the person's name and its valid identity document, proof of account opening, organization code, residence, registered capital, business scope, main capital transactions, daily average payment amount of the account, etc. and personal bank settlement account deposit The name of the person, the name and number of the identity document, and the address of the residence.

3. Submit relevant information and statements for large-value transactions and suspicious transaction reports on a monthly basis.

4. In mid-May, carry out anti-money laundering publicity work for customers, and put anti-money laundering training on the work schedule. In the form of training, the staff will try to grasp the laws, administrative regulations and rules and regulations related to anti-money laundering. Provisions to improve the ability to identify and analyze suspicious payment transaction funds and enhance anti-money laundering capabilities.

Fourth, meticulously organize self-examination work, the main inspection items for large-value transactions and suspicious transactions since 200* years are examined on a case-by-case basis through the original records of the bookkeeping and the large-value payment of the integrated business system. among them

Large-value transaction inspection involves projects
1. A single transfer of more than 1 million yuan between legal persons, other organizations and individual industrial and commercial households;
2. A single cash receipt and payment of more than 200,000 yuan, including cash payment, cash withdrawal and cash remittance;
3. Transfers between the personal bank settlement accounts and between the personal bank settlement account and the unit bank settlement account for more than 200,000 yuan.
The inspection of suspicious payment transactions involves items. Analysis and identification of the following items between legal persons, other organizations and individual industrial and commercial households, and personal bank settlement accounts:
1. In the short term, funds will be diversified, transferred in a centralized manner, or transferred in a centralized manner, and dispersed and transferred out;
2. The frequency and amount of funds received and paid are obviously inconsistent with the scale of business operations;
3. The flow of funds received and paid is obviously inconsistent with the business scope of the enterprise;
4. The daily collection and payment of enterprises is obviously inconsistent with the characteristics of business operations;
5. Periodically, a large amount of capital collection and payment is obviously inconsistent with the nature of the enterprise and the business characteristics;
6. Frequent fund collection and payment within the same period between the same payers;
7. The reason for the long-term idle account is suddenly activated, and a large amount of funds are received and paid in a short period of time;
8. Frequently collect personal remittances from businesses that are not significantly related to their business operations in the short term;
9. The amount, frequency and use of cash access are obviously inconsistent with their normal cash receipts and payments;
10. The personal bank settlement account will accumulate more than 1 million yuan in cash in a short period of time;
11. The business dealings with customers in areas with serious drug trafficking, smuggling and terrorist activities have increased significantly, and funds are frequently paid in the short term;
12. Frequent account opening and sales, and a large amount of funds will be collected and paid before the account is closed;
13. Intentionalization and zeroing, evading monitoring of large-value payment transactions;

After self-examination, it was not found that there were anonymous accounts or pseudonym accounts, and no deposits, settlements, etc. were provided for customers whose identity was not clear. The relevant enterprises and personal settlement accounts were not found to have suspicious payment transactions.

5. Inadequacies found during the inspection:
1. Anti-money laundering related materials and related information are basically stored in the form of electronic information, and the paper materials are not complete.
2. Due to the particularity of the format of our social system, there is a certain gap between the listed anti-money laundering materials and the format prescribed by the bank.
3. Since anti-money laundering is still a relatively unfamiliar job, the grassroots practitioners lack systematic theoretical knowledge and sufficient practical experience in anti-money laundering, and need to further improve the ability to judge suspicious payment transactions.