Template 3
Threat Analysis - Prevailing Crime Type
Areas* Information (and indicators)
Relevant Information (including FIU Mutual Evaluation Report / Follow Up Report Number of Number of Number of Number of Amount of Amount of Number of STRs
intelligence) (reference to source of prceeds of crime and threat of ML) if cases cases cases cases proceeds proceeds referred to LEAs on
available investigated investigated prosecuted prosecuted identified in confiscated (US$ the type of
on the on ML on the on ML investigation by or local predicate offense
predicate predicate LEAs and in FIU currency)
offense offense (US$ or local
currency)
Predicate Offenses
Organised crime
Terrorism
Human trafficking
Sexual exploitation
Drug trafficking
Arms trafficking
Trafficking in stolen goods
Corruption/bribery
Fraud
Counterfeiting of currency
Counterfeiting and piracy of products
Environmental crime
Murder, grievous bodily injury (for profit)
Kidnapping, illegal restraint, hostage-taking
Robbery/theft
Smuggling
Template 3
Areas* Information (and indicators)
Relevant Information (including FIU Mutual Evaluation Report / Follow Up Report Number of Number of Number of Number of Amount of Amount of Number of STRs
intelligence) (reference to source of prceeds of crime and threat of ML) if cases cases cases cases proceeds proceeds referred to LEAs on
available investigated investigated prosecuted prosecuted identified in confiscated (US$ the type of
on the on ML on the on ML investigation by or local predicate offense
predicate predicate LEAs and in FIU currency)
offense offense (US$ or local
currency)
Extortion
Forgery
Piracy
Insider trading and market manipulation
Write down other proceeds generating significant
criminal activities in your country (for example, tax
evasion)
Others
Attractiveness of the country for laundering -
laundering of domestic proceeds or foreign
proceeds (amount generated abroad) in your home
jurisdiction
Attractiveness of the country for laundering -
laundering of domestic proceeds abroad (therefore,
not attractive for laundering)
* Any other relevant areas identified to be included
Template 3
ML Threat Recommendati
ons that may be
impacted
Other Information (including FIU High Medium Low
intelligence)
R1, R3, R26-28,
R13, R36-38
R1, R3, R26-28,
R13, R36-38
R1, R3, R26-28,
R13, R36-38
R1, R3, R26-28,
R13, R36-38
R1, R3, R26-28,
R13, R36-38
R1, R3, R26-28,
R13, R36-38
R1, R3, R26-28,
R13, R36-38
R1, R3, R26-28,
R13, R36-38
R1, R3, R26-28,
R13, R36-38
R1, R3, R26-28,
R13, R36-38
R1, R3, R26-28,
R13, R36-38
R1, R3, R26-28,
R13, R36-38
R1, R3, R26-28,
R13, R36-38
R1, R3, R26-28,
R13, R36-38
R1, R3, R26-28,
R13, R36-38
R1, R3, R26-28,
R13, R36-38
Template 3
ML Threat Recommendati
ons that may be
impacted
Other Information (including FIU High Medium Low
intelligence)
R1, R3, R26-28,
R13, R36-38
R1, R3, R26-28,
R13, R36-38
R1, R3, R26-28,
R13, R36-38
R1, R3, R26-28,
R13, R36-38
R1, R3, R26-28,
R13, R36-38
R1, R3, R26-28,
R13, R36-38
R1, R3, R26-28,
R13, R36-38
R1, R3, R26-28,
R13, R36-38
Template 3
Risk/Vulnerability Analysis - Economic and Geographical Environment
Information
Attractiveness Indicators Relevant Information Mutual Evaluation Report / Follow Up Report Other Information
(reference to souce of proceeds of crime, threat, vulnerability and
risk of ML) if available
Economic Environment
High percentage of informal sector
Highly cash-based economy
Highly "dollarized" economy
High degree of integration with international financial markets
Easy access to and high diversity of financial center
High volume of non-bank international remittance transfers
Existence of off-shore financial service
High incidents of trade-based ML
Large volume of physical movement of currency
Geographical Environment
Porous national borders (lack of border control)
Lack of border control by neighbours
Political Environment
High level of corruption which may allow criminals to manipulate
domestic system
Institutional Environment
Lack of AML resources including budget and staffing
Lack of good domestic and international coordination and cooperation
* Any other relevant areas identified to be included
Template 3
ML Risk Recommendations
that may be impacted
High Medium Low
R20, R23, R5-16,
R20, R5-16, R19,
SRIX
R5-16
R21-22
R21-22
SRVI
R21, SRIX
SR IX
SR IX
R21, SRIX
R30-31
R30-31
Template 3
Risk/Vulnerability Analysis - Legal/Judicial/Institutional Framework
Areas* Information
Relevant Information (e.g. gaps in laws, regulations) Mutual Evaluation Report / Follow Up Report Numbers Adequacy of Resources Other Information (e.g. gaps in laws, regulations)
(reference to souce of proceeds of crime and (budget, staffing, skill
vulnerability and risk of ML) if available levels)
Legislation
Gap in AML law: Recommended serious
offences not included in the AML law
Gap in AML law: Institutions, business and
professions not included as reporting
institutions
Write down other Gaps in AML if any
Write down other relevant laws, lack of
which may create ML risk , or existence
of which may create ML risk e.g. tax
amnesty, secrecy laws, UN
laws/regulations to give effect to
UNSCRs )
Court system (Criminal and Civil)
Effectiveness and efficiency of the court
system (consider such indicators as
appropriate time taken to conclude ML
cases and knowledge and integrity of the
judiciary).
Prosecutors and Investigators
Effectiveness of the LEAs
Number of cases investigated on ML
Number of cases prosecuted on ML
Number of convictions out of ML cases
prosecutedcivil forfeiture cases related to
Number of
proceeds powers available
Range of of crime
Time taken to investigate ML cases
Amount of criminal assets frozen, seized
and confiscated (US$ or local currency)
Domestic cooperation
Financial Intelligence Unit
FIU operational
FIU independence
Properly resourced
Number of STR analyzed
Number of ML cases forward to LEAs or
investigated
Customs and other border control
Declaration and/or Disclosure System
Template 3
Areas* Information
Relevant Information (e.g. gaps in laws, regulations) Mutual Evaluation Report / Follow Up Report Numbers Adequacy of Resources Other Information (e.g. gaps in laws, regulations)
(reference to souce of proceeds of crime and (budget, staffing, skill
vulnerability and risk of ML) if available levels)
Amount of cross-border transportation of
currency and bearer negotiable
instruments
Write down other border control agencies
that are relevant for AML
International cooperation
Legal obstacles (including absense of
MLA/Extradition legislation and treaty)
Number of request received and
timeliness of response
Number of request made
Informal cooperation (police to police, FIU
to FIU, supervisor to supervisor)
* Any other relevant areas identified to be included
Template 3
ML Risk Recommendation
s that may be
impacted
High Medium Low
R1
R5-16, R20
R28, R30
R28, R30
R36-40, SRV
R26
R26
R26
SR XI, and other
relevant FATF 40
Recs on TBML
Template 3
ML Risk Recommendation
s that may be
impacted
High Medium Low
SRIX
R36-39
R36-39
R36-39
R40
Template 3
Risk/Vulnerability Analysis - Reporting Institutions (Financial Institutions)
Areas* Information Structural Risk Indicators (importance and weight
Mutual Evaluation Report / Follow Up Size of the Volume Turnover .High cash intensive Frequency or % of
Report sector/industry (asset product/ services international transactions
(reference to vulnerability and risk of size, etc)
ML) if available
PRIORITY ASSUMPTIONS- "1" If an indicator has priority over others, 1 2 2 1 2
"2" if it is a regular indicator,
For each indicator enter the appropriate one of three possible levels (L for low, M for Medium, H for High level of each indicator) to the g
information regarding the assigned degree in the white part at the right sid
Regulated Financial Institutions
Domestic banks
Foreign banks
Rural banks
Finance companies
Insurance industry
Securities
Offshore
Money changers/exchange bureaus
Remittance service providers
E-money, credit/charged card issuers
Money lenders / pawnbrokers
Leasing and factoring
Credit guarantee corporation
Template 3
Areas* Information Structural Risk Indicators (importance and weight
Mutual Evaluation Report / Follow Up Size of the Volume Turnover .High cash intensive Frequency or % of
Report sector/industry (asset product/ services international transactions
(reference to vulnerability and risk of size, etc)
ML) if available
Others Non-Regulated Financial Institutions
Write down non-regulated FIs (e.g. mobile phone financial services if it is
not regulated) that poser ML risk
Write down illegal operations that poser ML risk e.g. underground banking
Template 3
(importance and weighting may differ between countries) e.g Vulnerability to Control Measures (cross reference to FATF re
ML
Frequency or % of % of customer who pose Indictors of potential ML Other Information H M L AML/CFT AML/CFT on-site Resources committed
international transactions higher risk (e.g. PEPs, non- activities/ conduct (for example, (anything unsual to Regulations/ inspections and off-site to AML/CFT by
resident customers, private the number of cases involving change the risk Guidelines/Enforcem monitoring - supervisory supervisory authorities-
banking customers, trusts, the sector, the number of STRs rating) ent mechanism in compliance ratings budget + number of
bearer share holders, etc) reported on the industry) place staff
2 1 1 2 2 2 2
level of each indicator) to the green part at the left of each coulmn. Indicate the grounds, explanations and other This column contains For each control measure enter the appropriate one of three possible lev
e in the white part at the right side of each column. formulas. Never delete each control measure) to the green part at the left of each coulmn. In
the contents or make information regarding the assigned degree in the white pa
entries.
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Template 3
(importance and weighting may differ between countries) e.g Vulnerability to Control Measures (cross reference to FATF re
ML
Frequency or % of % of customer who pose Indictors of potential ML Other Information H M L AML/CFT AML/CFT on-site Resources committed
international transactions higher risk (e.g. PEPs, non- activities/ conduct (for example, (anything unsual to Regulations/ inspections and off-site to AML/CFT by
resident customers, private the number of cases involving change the risk Guidelines/Enforcem monitoring - supervisory supervisory authorities-
banking customers, trusts, the sector, the number of STRs rating) ent mechanism in compliance ratings budget + number of
bearer share holders, etc) reported on the industry) place staff
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#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
Template 3
reference to FATF recs 11, 13, SRIV, 17, 23, 29) ML Risk Recommendations that
may be impacted
Resources committed Market Entry/Control Monitoring of VH H MH M ML L
to AML/CFT by (including fit and transactions and
supervisory authorities- proper) adequacy of STR
budget + number of reporting
staff
2 2 2
e one of three possible levels (L for low, M for Medium, H for High level of This column contains formulas. Never
t the left of each coulmn. Indicate the grounds, explanations and other delete the contents or make entries.
ned degree in the white part at the right side of each column.
### ### ### ### ### ### R5-11, R13-15, SRVII
### ### ### ### ### ###
### ### ### ### ### ### R5-11, R13-15, SRVII
### ### ### ### ### ### R5-11, R13-15, SRVII
### ### ### ### ### ### R5-11, R13-15, SRVII
### ### ### ### ### ### R5-11, R13-15, SRVII
### ### ### ### ### ### R5-11, R13-15, SRVII
### ### ### ### ### ### R5-11, R13-15, SRVII
### ### ### ### ### ### SRVI, R5-11, R13-15, SRVII
### ### ### ### ### ### R5-11, R13-15, SRVII
### ### ### ### ### ### R5-11, R13-15, SRVII
### ### ### ### ### ### R5-11, R13-15, SRVII
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Template 3
reference to FATF recs 11, 13, SRIV, 17, 23, 29) ML Risk Recommendations that
may be impacted
Resources committed Market Entry/Control Monitoring of VH H MH M ML L
to AML/CFT by (including fit and transactions and
supervisory authorities- proper) adequacy of STR
budget + number of reporting
staff
### ### ### ### ### ### R5-11, R13-15, SRVII
### ### ### ### ### ###
### ### ### ### ### ###
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Risk/Vulnerability Analysis - Reporting Institutions (DNFBPs)
Areas* Information Structural Risk In
Mutual Evaluation Report / Size of the Volume Turnover (if not .High cash in
Follow Up Report businesses and available provide a product/ se
(reference to source of professions guestimate)
proceeds of crime, threat,
vulnerability and risk of ML) if
available
PRIORITY ASSUMPTIONS- "1" If an indicator has priority over others, "2" if it is a 2 2 2 1
regular indicator,
For each indicator enter the appropriate one of three possible levels (L for low, M for Medi
explanations and other information regarding the a
Reporting institutions (DNFBPs)
Casinos (which also includes internet casinos)
Real estate agents
Dealer in precious metals and precious stones
Lawyers
Notaries public
Accountants
Trust Service Providers
Company Service Providers
Others Businesses and Professions
Write down other businesses and professions that poser ML risk (e.g. gaming outlets)
Write down other businesses and professions that poser ML risk (e.g. car dealers)
Write down other businesses and professions that poser ML risk (e.g. high-value goods)
…………
………….
* Any other relevant areas identified to be included
ural Risk Indicators (same as Financial but add volume indicator) Vulnerability to ML
.High cash intensive Frequency or % of % of customer who higher Indictors of potential ML Other Information High Medium Low AML/CFT Regulations/
product/ services international risk (e.g. PEPs, non- activities/ conduct (for Guidelines/Enforcement
transactions for resident customers, example, the number of mechanism in place
clients private banking cases involving the sector,
customers, trusts, bearer the number of STRs reported
share holders, etc) on the industry)
1 2 1 1 2 2
w, M for Medium, H for High level of each indicator) to the green part at the left of each coulmn. Indicate the grounds, This column contains For each control measure enter
garding the assigned degree in the white part at the right side of each column. formulas. Never delete the control measure) to the gree
contents or make entries. regarding
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Control Measures ML Risk
Existence of regulatory Resources committed to Professional ethics Monitoring of VH H MH M ML L
authority or SRO and AML/CFT by supervisory standards transactions and
AML/CFT on-site authority/SRO- budget + adequacy of STR
inspection/compliance number of staff reporting
monitoring
2 2 2 2
asure enter the appropriate one of three possible levels (L for low, M for Medium, H for High level of each This column contains formulas. Never delete the
to the green part at the left of each coulmn. Indicate the grounds, explanations and other information contents or make entries.
regarding the assigned degree in the white part at the right side of each column.
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Recommendations that
may be impacted
R12, R16, R24
R12, R16, R24
R12, R16, R24
R12, R16, R24
R12, R16, R24
R12, R16, R24
R12, R16, R24
R12, R16, R24
NATIONAL RISK ASSESSMENT SUMMARY TABLE
Please summarize the high and medium risk items from each worksheet. Please expand spaces and add rows as ne
While summarizing FI and DNFBPs templates, please categorize "MH" as "H" and "ML" as "L".
Crime Economical and Geographical Environment
HIGH RISK
MEDIUM RISK
paces and add rows as necessary.
"L".
Legal/Judical/Institutional Framework Financial Institutions DNFBPs