AML & CFT Division

Head Office, Dhaka.

kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©vi `vq-`vwqZ¡ I Kvh©vejx

gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a we`¨gvb AvBb, wewagvjv, weGdAvBBD Gi wb‡`©kbvejx Ges
e¨vs‡Ki wbR¯^ bxwZgvjv ev¯Íevq‡bi Rb¨ e¨vs‡Ki cÖwZwU kvLvq GKRb AwfÁ kvLv gvwbjÛvwis cÖwZ‡iva
cwicvjb Kg©KZv© (Branch Anti-Money Laundering Compliance Officer-BAMLCO) _vK‡Z n‡e|
kvLv e¨e¯’vcK, kvLvi wØZxq Kg©KZ©v A_ev ‡Rbv‡ij e¨vswKs-G AwfÁ EaŸ©Zb Kg©KZ©v‡K kvLv gvwbjÛvwis
cÖwZ‡iva cwicvjb Kg©KZv© wn‡m‡e g‡bvbxZ Ki‡Z n‡e| kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©vi
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q we`¨gvb AvBb, wewagvjv, weGdAvBBD Gi mKj wb‡`©kbv Ges
e¨vs‡Ki wbR¯^ bxwZgvjvi wel‡q mg¨K aviYv _vK‡Z n‡e|
kvLvi gvwb jÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v‡K †h mg¯Í Kg© cwiPvjbv I cwicvjb eva¨Zvg~jKfv‡e Ki‡Z nq
Zv wbgœiƒ‡c eY©bv Kiv n‡jv t
1. ‰`bw›`b Kvh©vejx;
2. gvwmK Kvh©vejx;
3. ‰ÎgvwmK Kvh©vejx;
4. lvb¥vwmK Kvh©vejx Ges
5. evwl©K Kvh©vejx|
‰`bw›`b Kvh©vejx t
1) weGdAvBBD, evsjv‡`k e¨vsK, NBR, Customs ev cÖavb Kvh©vjq gvwbjÛvwis I mš¿v‡m A_©vqb
cÖwZ‡iva wefvM n‡Z †Kvb wnmv‡ei Z_¨ AbymÜvb, ¯’wMZv‡`k ev Ab¨ †Kvb wb‡`©kbv _vK‡j Zvi
cwicvjb wbwðZ Ki‡Z n‡e|
2) †iKW© cÎ msi¶‡Yi AvBbx eva¨evaKZv i‡q‡Q| gvwb jÛvwis cÖwZ‡iva AvBb, 2012 Gi 25 (1) (K) I
(L) aviv g‡Z, gvwbjÛvwis cÖwZ‡iva wi‡cvU© cÖ`vbKvix ms¯’vi `vwqZ¡ n‡”Q wnmveavix MÖvn‡Ki †ÿ‡Î KYC
mn CDD cÖwµqv m¤úv`bKv‡j msM„nxZ mKj Z_¨ I `wjjvw`, wnmve msµvšÍ `wjjvw`,
e¨emvwqK cÎ †hvMv‡hvM Ges †Kvb MÖvn‡Ki wel‡q †Kvb cÖwZ‡e`b cÖYxZ n‡j G mKj
Z_¨/`wjjvw` Ges ‡jb‡`b (Af¨šÍixY I ˆe‡`wkK) msµvšÍ Z_¨ I `wjjvw` wnmve eÜ nIqvi ZvwiL
n‡Z/fvmgvb MÖvn‡Ki †ÿ‡Î †jb‡`b msNwUZ nIqvi ZvwiL n‡Z Ab~¨b 5 (cvuP) ermi msi¶Y Ki‡Z
n‡e|
3) h_vwbq‡g c~‡e©i †Lvjv mKj wnmv‡ei (Kvógv‡ii) KYC m¤úbœ Kiv n‡q‡Q Ges eZ©gv‡b ‡Lvjv mKj
wnmv‡ei (Kvógv‡ii) KYC m¤úbœ Kiv n‡”Q Zv wbwðZ Ki‡Z n‡e| wnmve †Lvjv di‡g MÖvn‡Ki cÖ`Ë
Z_¨ h_v - bvg, wcZvi bvg, gvZvi bvg, ¯¿x/¯^vgxi bvg, wVKvbv, †ckv, Rb¥ ZvwiL †gvevBj b¤^i,
†Uwj‡dvb b¤^i, GbAvBwW b¤^i/cvm‡cvU© b¤^i/Rb¥ wbeÜb b¤^i, TP mg~n e¨vs‡Ki †Kvi e¨vswKs
mdUIqvi-G Gw›Uª cÖ`vb wbwðZ Ki‡Z n‡e| MÖvn‡Ki KYC h_vh_ c×wZ‡Z Ges Zv wbw`©ó I MÖnb‡hvM¨
mgq ci ci nvjbvMv` Ki‡Z n‡e|
4) cÖwZwU wnmv‡ei cÖK…Z myweav‡fvMx (Benificial Owner) kbv³ Ki‡Z n‡e| wnmv‡ei cÖK…Z
myweav‡fvMx wba©viY I Z`&†cÖwÿ‡Z M„nxZ c`‡ÿcmg~n MÖn‡Yi †ÿ‡Î weGdAvBBD KZ…©K RvixK…Z
Guidelines on Benificial Ownership -G ewY©Z wb‡`©kbv AbymiY Ki‡Z n‡e |
5) bZzb wnmve †Lvjvi c~‡e©, fvmgvb Kvógvi‡K e¨vswKs †mev cÖ`v‡bi c~‡e© Ges AvšÍR©vwZK †Kvb ‡jb‡`b
msNU‡bi c~‡e© UN Sanction List, OFAC (SDN) Sanction List I Local/Domestic
Sanction List-G D‡jøwLZ bv‡gi ZvwjKv h_vh_fv‡e †PK K‡i D‡jøwLZ KvR ev †mev cÖ`vb Ki‡Z
n‡e|
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6) h_vh_fv‡e MÖvn‡Ki †jb‡`‡bi AbywgZ gvÎv (Transaction Profile) MÖnb Ki‡Z n‡e I Zv
h_vmg‡q h_vh_fv‡e nvjbvMv` Ki‡Z n‡e|
7) GwcÖj 30, 2002 Zvwi‡Li c~‡e© †Lvjv †h mKj wnmv‡ei KYC cÖwµqv m¤úbœ Kiv m¤¢e nqwb †m mKj
wnmve myß (Dormant) wn‡m‡e wPwýZ Ki‡Z n‡e| myß wn‡m‡e wPwýZ G mKj wnmv‡e ïaygvÎ A_©
Rgv`vb Kiv hv‡e wKš‘ D‡Ëvjb Kiv hv‡e bv| Z‡e MªvnK KZ©„K kvLv e¨e¯’vc‡Ki wbKU wjwLZ Av‡e`‡bi
†cÖwÿ‡Z e¨vsK D³ Mªvn‡Ki KYC cÖwµqv m¤úbœ Ki‡j MÖvnK wnmvewU‡Z ¯^vfvweK †jb‡`b m¤úv`b Ki‡Z
cvi‡e| myyß (Dormant) wnmv‡ei ZvwjKv I Z_¨ kvLvq msiÿY Ki‡Z n‡e Ges weGdAvBBD Gi
wb‡`©kbvi ev¯Íevqb e¨wZ‡i‡K hvnv‡Z myß wnmve †_‡K †Kvb cÖKvi D‡Ëvjb bv nq †m e¨vcv‡i h_vh_
c`‡ÿc MÖnb Ki‡Z n‡e|
8) cÖvZ¨wnK †jb‡`b gwbUwis KiZt A¯^vfvweK †jb‡`b Av‡Q wKÕbv Zv AbymÜvb Kiv Ges A¯^vfvweK
†jb‡`b gwbUwis Gi Z_¨ dvB‡j msiÿY Ki‡Z n‡e| m‡›`nRbK ‡jb‡`b/Kvh©µg kbv³ I wi‡cvU©
Kivi †ÿ‡Î weGdAvBBD KZ…©K RvixK…Z Guidance on Reporting Suspicious
Transaction I Guidelines for Prevention of Trade Based Money
Laundering -G ewY©Z wb‡`©kbv Abymib Ki‡Z n‡e |
9) ÷ª¨vKPvwis (Structuring) n‡”Q wKÕbv Zv AbymÜvb Ki‡Z bM` †jb‡`b (Cash Transaction)
ch©v‡jvPbv Ki‡Z n‡e|
10) kvLvi mKj Kg©KZ©v I Kg©PvixMY A¯^vfvweK †jb‡`b/A¯^vfvweK †jb‡`‡bi cÖ‡Póv wPwýZKi‡Y mÿg
Zv wbwðZ Ki‡Z n‡e|
11) kvLvi mKj Kg©KZ©v‡`i AML & CFT training wbðZ KiZt cÖwkÿ‡Yi †iKW© GKwÎZ Kiv Ges
Zv kvLvq msiÿ‡Yi e¨e¯’v MÖnb Ki‡Z n‡e|
12) mš¿vmx Kg©KvÛ, mš¿v‡m A_©vqb ev Ab¨vb¨ Aciva †hgbt `~b©xwZ, Nyl, gv`K †PvivPvjvb, ¯^Y© †PvivPvjvb,
gvbe cvPvi ev Ab¨vb¨ m¤ú„³ Aciva m¤ú‡K© wgwWqvi wi‡cvU© msMÖn Kiv Ges Gm‡ei mv‡_ m¤ú„³
e¨w³i mv‡_ kvLvi †Kvb m¤úK© Av‡Q wKÕbv A_©vr Gme e¨w³i kvLvq †Kvb wnmve cwiPvwjZ n‡”Q wKÕbv
Zv wgwWqvi wi‡cvU© Abymv‡i hvPvB K‡i †`Lv| hw` m¤úK© _v‡K Zvn‡j STR/SAR Kiv| m‡›`nRbK
‡jb‡`b/Kvh©µg kbv³ I wi‡cvU© Kivi †ÿ‡Î weGdAvBBD KZ…©K RvixK…Z Guidance on
Reporting Suspicious Transaction - G ewY©Z wb‡`©kbv Abymib Ki‡Z n‡e |
13) weGdAvBBD KZ©©„K wPwýZ Awbqg, ÎæwU-weP¨ywZ `~ixKi‡Y kvLv KZ©„K h_vh_ c`‡ÿc Mªnb wbwðZ Ki‡Z
n‡e|
14) evsjv‡`k e¨vsK MÖvn‡Ki Z_¨ msMÖn Ges e¨vs‡Ki †jb‡`‡bi SzuwKi K_v we‡ePbv K‡i mKj e¨vs‡K
Awfbœ wnmve †Lvjvi dig, KYC Ges TP Pvjy K‡i‡Q| kvLvi gvwb jÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v-
‡K D³ di‡gi Dci MÖvn‡Ki Z_¨, cÖ`Ë Z_¨ Gi mv‡_ KYC, TP Ges MÖvn‡Ki Avw_©K msMwZ mvwe©K
g~j¨vqb n‡”Q wKÕbv Zv wbwðZ Ki‡Z n‡e|
15) ‰ÎgvwmK mfvq M„nxZ wm×všÍ h_vmg‡q ev¯Íevq‡bi e¨e¯’v MÖnb Ges ev¯Íevqb AMÖMwZ ch©v‡jvPbv Ki‡Z
n‡e|
16) ‰e‡`wkK evwY‡R¨i †ÿ‡Î Credit Report ch©v‡jvPbv K‡i, Invoice g~j¨ hvPvB K‡i, Shipping
Document, Letter of Credit/Proforma Invoice Gi mv‡_ msMwZc~Y© wKÕbv Zv hvPvB Ki‡Z
n‡e|
17) wewb‡qvM cÖ¯Íve h_vh_fv‡e hvPvB-evQvB Ki‡Z n‡e Ges wewb‡hvM cieZ©x gwbUwis †Rvi`vi Ki‡Z n‡e|
18) SzuwK wfwËK wnmve †kªYxKiYt
wnmve †Lvjv di‡g MÖvn‡Ki SuzwK †kªbxwefvR‡bi 06 wU K¨vUvMwi-
K| cb¨/‡mev I P¨v‡bj SzuwK (Goods/Services & Channel Risk) t
i) cY¨/‡mevi aiY (Type of Goods/Services)
ii) Ab‡evwW©s Gi aiY (Way of Account Opening)
L| †fŠMwjK SzuwK (Geographical Risk) t
i) Awbevmx SzuwK (Non-Residency Risk)
ii) Rb¥¯’vb/Avevm‡bi wfwˇZ SzwKi †kªwYweb¨vm (Sanctioned list)
M| e¨emv I ‡ckv msµvšÍ SzuwK (Business & Occupational Risk)

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 N| m¤cK©MZ SzuwK (PEPs, IPs or Close Associates)
O| †jb‡`b msµvšÍ SzuwK (Amount of Transactions)
P| ¯^”QZv msµvšÍ SzuwK (Authentic Source of Fund)

G 06 wU K¨vUvMwii gva¨‡g AwR©Z ‡¯‹vi mgwó 15 Gi †P‡q Kg n‡j wbgœ SzuwK Ges 15 ev Gi †P‡q †ewk
n‡j D”P SzuwK wb‡`©k K‡i|
K) G-06 wU K¨vUvMwii Dci wfwË K‡i wnmve †Lvjvi mgq cÖwZwU wnmv‡ei wi¯‹ †MÖwWs wbwðZ Ki‡Z
n‡e|
L) kvLvq D”P SuywKm¤úbœ wnmv‡ei ZvwjKv msiÿY Ki‡Z n‡e Ges D”P SuywKm¤úbœ wnmv‡ei †jb‡`b
wbqwgZ gwbUwis Ki‡Z n‡e|
M) D”P SzuwKm¤úbœ MÖvnK‡`i †ÿ‡Î SuywKi wbix‡L AwZwi³ Z_¨ I `wjjvw` msiÿY I hvPvB Ki‡Z
n‡e|
19) kvLvq †h mg¯Í wnmv‡e 10 (`k) j¶ UvKv ev Zvi Dc‡i bM` (Cash) †jb‡`b n‡q _v‡K †mme wnmve
mgy‡ni †jb‡`b (Transaction) wbqwgZ fv‡e gwbUwis Ki‡Z n‡e Ges †Kvb m‡›`nRbK †jb‡`b
cwijw¶Z n‡j mv‡_ mv‡_ STR Ki‡Z n‡e|
20) cÖfvekvjx e¨w³i ( Influential Persons-IP) †¶‡Î KiYxq t MÖvnK ev wnmv‡ei cÖK…Z
myweav‡fvMx cÖfvekvjx †Kvb e¨w³ wKÕbv Zv wba©viY Ki‡Z n‡e| cÖfvekvjx e¨w³ ej‡Z ÒIndividuals
who are or have been entrusted domestically with prominent public functions,
for example Head of State or of government, senior politicians, senior
government, judicial or military officials, senior executives of state owned
corporations, important political party officialsÓ ‡K eySv‡e|
†Kvb cÖfvekvjx e¨w³ D”P SuywK m¤úbœ n‡j Zvi wnmve †Lvjv I cwiPvjbvi †ÿ‡Î wb†¤œv³ e¨e¯’vw` MÖnb
Ki‡Z n‡e t
(1) wbf©i‡hvM¨ I wbi‡cÿ Drm †_‡K MÖvnK cwiwPwZ m¤úwK©Z AwZwi³ Z_¨vw` msMÖn;
(2) wnmve †Lvjvi D‡Ïk¨, wnmv‡ei A_© ev m¤ú‡`i Drm wbwðZ nIqvi Rb¨ AwaKZi e¨e¯’ MÖnb;
(3) Zv‡`i wnmv‡ei †jb‡`b wbqwgZfv‡e AwaKZi cixÿY; Ges
(4) cÖ‡hvR¨ †ÿ‡Î, e¨vs‡Ki cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©vi Aby‡gv`b MÖnb |
21) cwjwUK¨vwj G·‡cvRW cvm©b (Politically Exposed Persons-PEPs) Gi wnmve ‡Lvjv I wnmve
cwiPvjbvi †¶‡Î Customer Due Diligence Gi cvkvcvwk wb‡¤œv³ wb‡`©kbvmg~n AbymiY Ki‡Z
n‡e t
K) MÖvnK ev wnmv‡ei cÖK…Z myweav‡fvMx PEPs wKbv Zv wbav©iY K‡i Zvi Rb¨ SuywK e¨e¯’vcbv c×wZ MÖnY
Ki‡Z n‡e (†hgb Db¥y³ Z‡_¨i Drm, wewfbœ WvUv‡eR e¨envi BZ¨vw`);
L) PEPs Gi mv‡_ e¨emvwqK m¤úK© ¯’vcb ev we`¨gvb m¤úK© Ae¨vnZ ivLvi †ÿ‡Î e¨vs‡Ki cÖavb
gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©vi Aby‡gv`b MÖnb;
M) wbf©i‡hvM¨ I wbi‡cÿ Drm †_‡K MÖvnK cwiwPwZ m¤úwK©Z AwZwi³ Z_¨vw` msMÖn;
N) wnmve †Lvjvi D‡Ïk¨, wnmv‡ei A_© ev m¤ú‡`i Drm wbwðZ nIqvi Rb¨ AwaKZi e¨e¯’ MÖnb;
O) Zv‡`i wnmv‡ei †jb‡`b wbqwgZfv‡e AwaKZi cixÿY Ges
O) Foreign Exchange Regulation Act, 1947 I Gi AvIZvq evsjv‡`k e¨vsK KZ©„K RvixK…Z
Awbevmx‡`i wnmve †Lvjv msµvšÍ hveZxq wewaweavb h_vixwZ cwicvjb Ki‡Z n‡e|
Politically Exposed Persons (PEPs) ej‡Z ÒIndividuals who are or have been
entrusted with prominent public functions by a foreign country, for example
Heads of State or of government, senior politicians, senior government, judicial
or military officials, senior executives of state owned corporations, important
political party officialsÓ ‡K eySv‡e|
PEPs Gi cwiev‡ii m`m¨ I Zv‡`i mv‡_ wbweofv‡e m¤úwK©Z e¨w³i (close associates) ‡¶‡ÎI
Dc‡iv³ wb‡`©kbvmg~n cÖ‡hvR¨ n‡e|

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 G Aby‡”Q‡` D‡jøwLZ ÔPEPsÕ wn‡m‡e †Kvb ga¨g ev Aat¯Íb (Middle ranking or more junior
individuals) ch©v‡qi e¨w³ we‡ewPZ n‡eb bv|
22) cÖfvekvjx e¨w³i (Influential Persons-IP), cwjwUK¨vwj G·‡cvRW cvm©bm (Politically
Exposed Persons-PEPs) I AvšÍR©vwZK ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©vi wnmve ‡Lvjv I
cwiPvjbvq wewawavb cwicvj‡bi †ÿ‡Î weGdAvBBD KZ…©K RvixK…Z Guidance Notes on
Politically Exposed Persons (PEPs) for all Reporting Organizations-G
ewY©Z wb‡`©kbv AbymiY Ki‡Z n‡e |
23) wnmve †Lvjvi dig I `wjj cÎ gwbUwis t cÖwZw`b wnmve †Lvjv dig mg~n mwVKfv‡e c~iY Kiv n‡”Q
wKÕbv Ges cÖ‡qvRbxq `wjjcÎ H di‡gi mv‡_ †bqv n‡”Q wKÕbv Zv hvPvB c~e©K wbwðZ n‡Z n‡e|
24) mvKy©jvi, wb‡`©kbv I MvBWjvBÝ m¤ú©‡K mKj‡K Z_¨ cÖ`vbt cÖavb Kvh©vjq n‡Z Bmy¨K…Z mvKy©jvi,
wb‡`©kbv I MvBWjvBb kvLvi mKj Kg©KZ©v Kg©Pvix‡`i cVb I †MvPixfyZ KiY wbwðZ Ki‡Z n‡e|

25) Walk-in/One Off Customer, Online Transaction, Wire Transfer Gi †¶‡Î cÖavb
Kvh©vjq I weGdAvBBD mvK©yjvi bs-26 ZvwiL 26/06/2021 Gi wb‡`©kbv h_vh_fv‡e kvLvq cwicvwjZ
n‡”Q wKÕbv Zvnv wbwðZ Ki‡Z n‡e|

gvwmK Kvh©vejx t
K) CTR wi‡cvwUs t
(1) kvLvq c~e©eZ©x gv‡mi ˆ`bw›`b †jb‡`b cixÿv K‡i †Kv‡bv GKwU wnmv‡e †Kv†bv GKwU wbw`©ó w`‡b bM‡` GK
ev GKvwaK †jb‡`‡bi gva¨‡g Rgv ev D‡Ëvj‡bi (AbjvBb, GwUGgmn †h †Kvb ai‡Yi bM` Rgv I D‡Ëvjb)
cwigvb hw` me©‡gvU 10.00 j¶ UvKv ev Z`ya©¦ A‡_©i ev mgg~‡j¨i ˆe‡`wkK gy`ªvq nq Z‡e Zv ¯^ ¯^ gvwbjÛvwis I
mš¿v‡m A_©vqb cÖwZ‡iva wefvM Gi gva¨‡g gvwmK wfwˇZ weGdAvBBD eive‡i bM` †jb‡`b weeiYx wn‡m‡e
`vwLj Kiv ;

(2) kvLvi bM` †jb‡`b weeiYx gvwmK wfwˇZ kvLvq msiÿY Ki‡Z n‡e Ges kvLvi bM` †jb‡`b weeiYx
(goAML Transaction List- FP#9668) wbqwgZ ch©v‡jvPbv‡šÍ †Kvb m‡›`nRbK †jb‡`b cwijwÿZ n‡j
m‡›`nRbK †jb‡`b wi‡cvU© wn‡m‡e AML & CFT Division -Gi gva¨‡g weGdAvBBD eivei `vwLj Ki‡Z
n‡e |
L) STR wi‡cvwUs t
gvwb jÛvwis cÖwZ‡iva AvBb, 2012-G Òm‡›`nRbK †jb‡`bÓ A_© GBiƒc †jb‡`b⎯
(1) hvnv ¯^vfvweK †jb‡`‡bi aiY nB‡Z wfbœ;
(2) †hB †jb‡`b m¤ú‡K© GBiƒc aviYv nq †h,
(K) Bnv †Kvb Aciva nB‡Z AwR©Z m¤ú`,
(L) Bnv †Kvb mš¿vmx Kv‡h©, †Kvb mš¿vmx msMVb‡K ev †Kvb mš¿vmx‡K A_©vqb;

(3) hvnv GB AvB‡bi D‡Ïk¨ c~iYK‡í, weGdAvBBD KZ©„K, mg‡q mg‡q, RvixK…Z wb‡`©kbvq ewY©Z Ab¨ †Kvb
†jb‡`b ev †jb‡`‡bi cÖ‡Póv; A_©vr MÖvn‡Ki †jb‡`b hw` AbywgZ gvÎvi mv‡_ msMwZnxb †Kvb †jb‡`b msNwUZ
nq ev MÖvn‡Ki Avw_©K m¤ú‡`i mv‡_ cÖvß †Kvb Z_¨ A¯^vfvweK e‡j we‡ewPZ nq, Zvn‡j m‡›`nRbK †jb‡`b
wi‡cvU© Kivi Rb¨ weGdAvBBD mvK©yjvi bs-26 Gi wb‡`©kbv Abymv‡i GmwUAvi (STR) wi‡cvU© †cÖiY Ki‡Z
n‡e|
M) Bb-nvDR-cÖwk¶Y/Av‡jvPbv t
cÖwZgv‡m kvLvi gvwb jÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v kvLvq GKwU Bb-nvDm cÖwk¶Y cwiPvjbv c~e©K gvwb
jÛvwis cÖwZ‡iva AvBb-2012 (ms‡kvabx-2015), mš¿v‡m A_©vqb cÖwZ‡iva AvBb-2009, (ms‡kvabx-2012,
2013) Ges weGdAvBBD mvKz©jvi bs 26 ZvwiL 16/06/2020 Ges gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iva
wefvM, cÖavb Kvh©vjq KZ…K© Bmy¨K…Z Ab¨vb¨ mvKz©jvi m¤ú©‡K Av‡jvPbv-ch©v‡jvPbv K‡i H Av‡jvPbv mfvi Kvh©
weeiYx cÖwZgv‡m cÖavb Kvh©vj‡qi gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iva wefv‡M †cÖiY Ki‡Z n‡e|
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ˆÎgvwmK Kvh©vejxt
kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZv© kvLvi Ab¨vb¨ mswkøó ¸iæZ¡c~Y© Kg©KZ©v‡`i wb‡q ˆÎgvwmK wfwˇZ
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva welqK mfv Ki‡eb Ges D³ mfvq wb‡b¥v³ welqmg~nmn gvwbjÛvwis
I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a we`¨gvb AvBb, wewagvjv Ges weGdAvBBD Gi Ab¨vb¨ wb‡`©kbvi cwicvjb
ch©v‡jvPbvc~e©K h_vh_ e¨e¯’v MÖnY Ki‡eb t
 MÖvnK cwiwPwZ (KYC)
 ‡jb‡`b cixÿY (Transaction Monitoring)
 m‡›`nRbK †jb‡`b ev Kvh©µg wPwýZKiY I wi‡cvwU©s
 ¯’vbxq Sanction List mn RvwZms‡Ni wbivcËv cwil‡`i ‡iRy‡jkbmg~‡ni ev¯Íevqb
 †mj&d G¨v‡mm‡g›U msµvšÍ Kvh©µg
 MÖvnK m‡PZbZv e„w×
 gvwbjÛvwis cÖwZ‡iva AvBb-2012 (ms‡kvabx-2015)
 mš¿vm we‡ivax AvBb-2009 (ms‡kvabx-2012 I 2013)
 ‡iKW© msi¶Y Ges
 cÖwkÿY BZ¨vw` |

lvb¥vwmK Kvh©vejxt
K) Self Assessment Proceduret cÖwZwU kvLv‡K Self Assessment Gi wba©vwiZ †PK wj÷
weGdAvBBD mvKz©jvi bs-26-G mshy³ cwiwkó-M Gi Dci wfwË K‡i lvb¥vwmK wfwˇZ wb‡R‡`i g~j¨vqb Ki‡Z
n‡e| Av‡jvP¨ g~j¨vqb cÖwZ‡e`‡bi wfwˇZ kvLv e¨e¯’vc‡Ki mfvcwZ‡Z¡ kvLvi mswkøó Kg©KZ©v‡`i wb‡q mfv
Av‡qvRb Ki‡Z n‡e| mfvq kvLv g~j¨vqb cÖwZ‡e`‡bi Lmovi Dci Av‡jvPbv Ges Z`&†cÖÖwÿ‡Z wPwýZ mgm¨v kvLv
chv©‡q mgvavb Kiv m¤¢eci bv n‡j Zv cÖwZ‡e`‡b D‡jøLc~e©K mgm¨v mgvavbK‡í cÖavb Kvh©vj‡qi Af¨šÍixY
wbqš¿Y I wbix¶v wefvM Ges GGgGj GÛ wmGdwU wefv‡M cÖwZwU lvb¥vwmK m¤úbœ nIqvi c‡ii gv‡mi 15
Zvwi‡Li g‡a †cÖiY Ki‡Z n‡e Ges D`&NvwUZ mgm¨vmg~n mgvav‡b cÖavb Kvhvj‡q ‡cÖwiZ mycvwikgvjvi AMÖMwZ
cieZ©x ˆÎgvwmK mfv‡Z Av‡jvPbv Ki‡Z n‡e |
L) weGdAvBBD †cÖwiZ 23 wU QK wewkó wi‡cvU© Gi AšÍM©Z 04 wU QK wewkó wi‡cvU© t 04 wU QK wewkó wi‡cvU©
cÖwZwU lvb¥vwmK m¤úbœ nevi c‡ii gv‡mi 15 Zvwi‡Li g‡a¨ cÖavb Kvh©vj‡qi GGgGj GÛ wmGdwU wefv‡M †cÖiY
wbwðZ Ki‡Z n‡e|
M) Independent Testing Procedure (ITP) t weGdAvBBD mvKzjvi bs- 26 ZvwiL 16/06/2021-G
mshy³ cwiwkó-N Gi Independent Testing Procedures-Gi wba©vwiZ †PKwjó m¤ú‡K© ch©vß avibv _vK‡Z
n‡e Ges GB wel‡q kvLvi Ab¨vb¨ Kg©KZ©v‡`i‡KI avibv wb‡Z n‡e| weGdAvBBD Ges evsjv‡`k e¨vs‡Ki
cwi`©kK `j Ges e¨vs‡Ki Af¨šÍixY wbqš¿b I wbix¶v wefvM KZ…K
© cwi`k©‡bi mgq Independent Testing
Procedures-Gi wba©vwiZ †PKwjó Abymv‡i kvLvi g~j¨vqb K‡i cÖwZ‡e`b cÖ`vb K‡i _v‡K| †mB cÖwZ‡e`b
Abyhvqx kvLvi gvb wba©vwiZ nq kvLvi cÖvß b¤^i Abyhvqx|

kvLvi †¯‹vi kvLvi †iwUs

90+ - 100 kw³kvjx
70+ - 90 m‡šÍvlRbK
55+ -70 †gvUvgywU fvj
40+ - 55 cÖvwšÍK
40 I Gi bx‡P Am‡šÍvlRbK
kvLvi †iwUs m‡šÍvlRbK/kw³kvjx ch©v‡q wb‡q hvIqvi Rb¨ cÖ‡qvRbxq e¨e¯’v MÖnb Ki‡Z n‡e |

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evwl©K Kvh©vejx t
K) Z_¨ nvj bvMv` t
kvLvi Rb¨ cÖ‡hvR¨ mKj wnmv‡ei KYC, TP nvjbvMv` Kivi Rb¨ MÖvn‡Ki wbKU cÎ †cÖiY Ki‡Z n‡e Ges
†cÖwiZ c‡Îi Awdm Kwc dvB‡j msi¶Y Ki‡Z n‡e hv‡Z fwel¨‡Z weGdAvB&BD/evsjv‡`k e¨vs‡Ki cwi`k©K
KZ©„K wbix¶‡bi mgq Zv cÖ`k©b Kiv hvq| †hme wnmve nvjbvMv` Kiv m¤¢e n‡e bv †mme wnmve myß (Dormant)
wnmv‡e wPwýZ Ki‡Z n‡e| TP nvjbvMv` Kivi mv‡_ mv‡_ wi¯‹ †MÖwWs Avc‡WU Ki‡Z n‡e| High Risk
account -Gi MÖvnK m¤úwK©Z Z_¨vw` GK ermi ci ci nvjbvMv` Ki‡Z n‡e |

L) Af¨ÛixY, weGdAvBBD I †K›`ªxq e¨vs‡Ki AwWU cwicvjb t

e¨vs‡Ki Af¨šÍixb wbqš¿Y I wbix¶v wefvM, weGdAvBBD Ges †K›`ªxq e¨vs‡Ki cwi`k©KMY kvLvi †h `ye©jZv¸‡jv
wPwýZ K‡ib †m `ye©jZv¸‡jv mdjfv‡e `~ixfyZ Kivi Rb¨ e¨e¯’v MÖnY Ki‡Z n‡e| cÖ‡qvR‡b cÖavb Kvh©vj‡qi
mnvqZv wb‡Z n‡e|

cÖavb Kvh©vj‡q †cÖwiZe¨ weeiYxi †PK wj÷ t

Dc‡iv³ eY©bvbyhvqx, GKRb kvLvi gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v‡K ‡hme cÖwZ‡e`b cÖavb Kvh©vjq, gvwb
jÛvwis I mš¿v‡m A_©vqb cÖwZ‡iva wefv‡M `vwLj wbwðZ Ki‡Z n‡e Zvi GKwU ZvwjKv wb‡gœ †`qv n‡jv t

µwgK welq cÖwZ‡e`‡bi gvm cÖwZ‡e`‡bi welq

1| CTR gvwmK wfwˇZ bM` 10 (`k) j¶ ev 10 (`k) j¶ UvKvi AwaK

cieZ©x gv‡mi 7 †jb‡`b (Rgv/D‡Ëvjb)mg~‡ni †iKW© msi¶Y Ki‡Z
Zvwi‡Li g‡a¨ n‡e Ges Bank Ultimus gwWD‡j cÖ‡qvRbxq Ni
h_vh_fv‡e c~iY Ki‡Z n‡e|
2| STR gvwmK wfwˇZ weMZ gv‡m ‡Kvb m‡›`nRbK †jb‡`b wPwýZ n‡j
cieZ©x gv‡mi 7 Zvi Rb¨ wbav©wiZ dig c~iY K‡i cÖavb Kvh©vjq‡K
Zvwi‡Li g‡a¨ AewnZ Ki‡Z n‡e|
3| Quarterly ‰ÎgvwmK wfwˇZ Av‡jvPbv mfvq Dcw¯nZ Kg©KZ©v‡`i ¯^v¶i mn
Meeting cieZ©x gv‡mi 7 mfvi Kvh©weeiYx (Meeting Minutes) †cÖiY
Minutes Zvwi‡Li g‡a¨ Ki‡Z n‡e|

4| Half Yearly lvb¥vwmK wfwˇZ wba©vwiZ †PK wj‡÷ welq wfwËK Av‡jvPbv mfvi
Self - cieZ©x gv‡mi 15 gva¨‡g kvLvi wbR¯^ Ae¯nvb g~j¨vqb cÖwZ‡e`b
Assessment Zvwi‡Li g‡a¨ e¨vs‡Ki Af¨šÍixY wbix¶v wefvM I gvwbjÛvwis I
Report mš¿v‡m A_©vqb cÖwZ‡iva wefv‡M †cÖiY Ki‡Z n‡e|

GQvovI lvb¥vwmK wfwˇZ w¤œwjwLZ Z_¨vejx AML & CFT Division – G ‡cÖiY Ki‡Z n‡e |

1.SzuwKi wfwˇZ MÖvnK †kÖYxweb¨vm msµvšÍ Z_¨vw` t

wi‡cvwU©s lvb¥vwm‡K bZzb †Lvjv wi‡cvwU©s lvb¥vwm‡K wPwýZ D”P G hver D”P SzuwKm¤úbœ †gvU wnmv‡ei msL¨v
wnmv‡ei msL¨v SzuwKm¤úbœ wnmv‡ei msL¨v

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2. PEPs/ cÖfvekvjx e¨w³/ AvšÍR©vwZK ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©vi wnmve msµvšÍ Z_¨vw` t

wi‡cvwU©s lvb¥vwm‡K bZzb †Lvjv G hver †Lvjv Giæc PEPs cÖfvekvjx AvšÍR©vwZK ms¯’vi cÖavb
Giƒc wnmv‡ei msL¨v Pjgvb wnmv‡ei †gvU wnmv‡ei e¨w³ ev D”P ch©v‡qi Kg©KZ©vi
msL¨v msL¨v wnmve

3.‡KIqvBwm nvjbvMv`KiY msµvšÍ Z_¨vw` t

wnmv‡ei aiY wi‡cvwU©s lvb¥vwm‡K nvjbvMv`K…Z gšÍe¨

wnmv‡ei msL¨v
D”P SzuwKm¤úbœ wnmve
(cÖwZ GK eQi ci)
wb¤œ SzuwKm¤úbœ wnmve
(cÖwZ cvuP eQi ci)

4.wUwc nvjbvMv`KiY msµvšÍ Z_¨vw` t

wnmv‡ei aiY wi‡cvwU©s lvb¥vwm‡K nvjbvMv`K…Z gšÍe¨

wnmv‡ei msL¨v
6 gvm c~‡e© †Lvjv
1 eQi c~‡e© †Lvjv
2 eQi c~‡e© †Lvjv

m‡e©vcwi, kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v‡K e¨vs‡Ki Customer Acceptance Policy,
AML & CFT Policy Guidelines, ML & TF Risk Assessment Guidelines, ML & TF
Risk Management Guidelines, Guidelines for Prevention of Trade Based Money
Laundering Ges weGdAvBBD mvK©yjvi bs-26 ZvwiL 16/06/2020 I weGdAvB&BD KZ©…K mg‡q mg‡q
RvixK…Z mvK©yjv‡ii wb‡`©kbvi cwicvjb wbwðZ Ki‡Z n‡e |

Compiled by: Md. Saiful Islam, CAMS, CDCS,

SVP, AML & CFT Division,
The Premier Bank Ltd,
Head Office, Dhaka.
Mobile: 01715866111

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