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3 I II III IV

4 V VI

5 I 2007 Money Laundering Regulation 2007 MLR2007 (a) MLR (1) body corporate 25% (2) partnership (other than a limited liability partnership) 25% 25% (3) trust 25% (4) legal entity or legal arrangement 25% 25% (5) 1

6 (b) MLR2007 5(b) 2 MLR2007 7(3) (a) (b) (a) (d) MLR2007 7(1) (a) (b) (c) (d) MLR (1) MLR (7) (a) 1,000 2,500 (b) (c) 2

7 (d) (i) 150 (ii) 2,500 1,000 MLR (8) 2 3 (a) (b) EU EU (c) (d) (i) 1,000 2,500 (ii) 15,000 (iii) 15,000 (e) (f) (i) (ii) 3

8 (iii) 2004 child trust fund MLR (9) MLR (1) EU EU MLR (2) a regulated market subject to specified disclosure obligations MLR (3) pooled account the institution which acts as a depository institution for the account MLR (4) MLR (5) MLR (6) (a) EU the Treaty on the European Union OJ No C 325, , p. 5. the Treaties on the European Communities Community secondary legislation the authority (b) identity (c) (d) 4

9 MLR2007 7(1) civil penalties MLR (1) MLR (1) (a) (b) 2 officer MLR (1) 5

10 JMLSG Joint Money Laundering Steering Group 1 JMLSG FSA FSA Handbook JMLSG FATF FATF other enforceable means 2 JMLSG MLR verify verification JMLSG, Prevention of money laundering / combating terrorist financing, Guidance for the UK financial sector, (ammended: December 2011) 2 FATF, Mutual Evaluation Fourth Follow-Up Report: United Kingdom, (16 October 2009) paragraph 12. 6

11 JMLSG (private individual) (beneficial owner) (beneficial owners) (enquiry) ML (body corporate) 25% ( (trusts) 25% ) (identified) (verify) (fronting) ML (verification) (independent source) ( )

12 ( ) (arrangements) (class of persons) (5.3.24ff ) (class) 8

13 Royal Bank of Scotland Group The Royal Bank of Scotland Plc National Westminster Bank Plc Ulster Bank Limited Coutts & Company 5,600,000 8,000,000 30% Coutts & Company RBS FSA ,750,000 12,500,000 30% 9

14 Turkish Bank (UK) Ltd 6 PEP 3 294, ,000 30% 3 Politicaly Exposed Person 10

15 MLR (1) a business relationship ongoing monitoring (2) (a) the source of funds his business and risk profile (b) up-to-date MLR2007 8(3) MLR2007 8(1) (3) MLR (1) MLR (1) 11

16 6 JMLSG JMLSG business relationship source origin JMLSG

17 : (occupation) (employment) source origin

18 Alpari (UK) Limited Sudipto Chattopadhyay Alpari Chattopadhyay PEP 4 Alpari PEP Alpari Alpari 140, ,000 30% Chattopadhyay 14,000 20,000 30% CF10 CF Political Exposed Person 3 14

19 Royal Bank of Scotland Group The Royal Bank of Scotland Plc National Westminster Bank Plc Ulster Bank Limited Coutts & Company 5,600,000 8,000,000 30% Coutts & Company RBS PEP 5 8,750,000 12,500,000 30% 5 Political Exposed Person 3 15

20 Turkish Bank (UK) Ltd 6 294, ,000 30% 16

21 II (a) L R R R

22 (b) L561-5 R L L L ,

23 R Autorité de Contrôle Prudentiel ACP L R ,000 2, ,500 2, ,000 EU 7 4,000 EU 19

24 EU 9 15,000 R a EU b EU c EU 3 EU 2 EU 20

25 Commission nationale des sanctions L L

26 Banque Populaire Côte d Azur ,000 gistre-officiel/ decision-de-la-commission-des-sanctions.pdf 22

27 établissement de crédit A A 500,000 gistre-officiel/ decision-de-la-commission-des-sanctions.pdf Banque Populaire des Alpes 200,00 gistre-officiel/ decision-de-la-commission-des-sanctions.pdf 23

28 FATF FATF L L FATF FATF

29 L a) b R

30 R R Commission nationale des sanctions L L

31 Banque Populaire Côte d Azur A ,000 gistre-officiel/ decision-de-la-commission-des-sanctions.pdf 27

32 Banque Populaire des Alpes ,00 gistre-officiel/ decision-de-la-commission-des-sanctions.pdf Caisse de Crédit municipal de Toulon 150,000 gistre-officiel/ ccmt-decision-de-l-acp.pdf 28

33 III (a) EEA EU 2. 29

34 25 17 (b) 10, FIU CTIF-CFI Cellule de Traitement des Informations Financières - Cel voor Financiële Informatieverwerking a) 10,000 b) EC 30

35 1781/ ,000 i. ii. iii. iv. c) a b a) 1,000 2,500 b) c) d) , e) EU 2006/70/CE

36 a) EEA EU EU 2005/60/EC 2 b) EU 2004/39/CE EU EU c) EEA d) e) f) EU 2006/70/CE a) b) CTIF-CFI 32

37 33

38 FATF FATF ) 2) FATF

39 CTIF 50, ,

40 50, ,000 CTIF

41 IV / / / (a) 25/ ) a) i) 25 EU ii) b) i) 25 37

42 ii) iii) (b) 26/ / / / / a)

43 1 2, ,000 b) 1,000 2,500 c) d) 25/ a) EU EU b) EU EU c) d) EU e) Agência de Gestão da Tesouraria e da Dívida Pública 25/ a 25/ , , /

44 25/ a) 3 b) 3 c) 40

45 FATF FATF / a) b) c) d) e) 25/ d 41

46 42

47 V Monetary Authority Act of Singapore Act 27B Monetary Authority Act of Singapore MAS (a) beneficial owner body corporate or unincorporate (b) subsidiary legislation FATF law ore regulation FATF other enforceable means FATF, Mutual Evaluation Second Follow-Up Report: Singapore, 25 February 2011, p

48 (a) business relationship (b) 20,000 (c) (d) (a) (b) (c) (d) (e) MAS MAS (f) FATF AML/CFT (g) (e) (f) B direction 27B (1) direction 626 regulations B (2) 44

49 MAS 10 27B

50 FATF FATF conduct FATF FATF

51 MAS 11 27B

52 VI FATF FIU Financial Crimes Enforcement Network FinCEN advance notice of proposed rulemaking 12 (a) (1) (a) (b) (a) 25 (b) (a) (2) (b) 12 Department of the Treasury, Financial Crimes Enforcement Network, Customer Due Diligence Requirements for Financial Institutions, 77 FR (March 5, 2012). N%252BO%252BSR. 48

53 2 FinCEN FinCEN payable-through-account CFR (b)(1), 31 CFR (b)(1)(iii)(A) 14 FinCEN FIN-2010-G001, Guidance on Obtaining and Retaining Beneficial Ownership Information, (March 5, 2010) CFR (6)(b) 49

54 FinCEN Bank Secrecy Act 31 U.S.C. 5318(h)(2), 31 USC 5318(a)(2) FinCEN civil penalty criminal penalty 31 CFR , FinCEN CDD program rule FinCEN civil penalty criminal penalty 31 CFR ,

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