Sample Corporate Aml Policy

							                                                                        Contents


     About the Authors....................................................................................................................................... iii
     How to Use This Manual ............................................................................................................................. v
     Summary Table of Contents ....................................................................................................................... ix



                                                               Part A
                                                      Reporting and Monitoring


     Suspicious Transaction Form................................................................................................................... A-1 
     Suspicious Activity Report Checklist ...................................................................................................... A-2 
     Backfiling Determination Worksheet ...................................................................................................... A-3 
     New Nonlisted Customer Exemptions Worksheet................................................................................... A-5 
     Exempt Account Cash Activity Monitoring Worksheet .......................................................................... A-7 
     Section 314(a) Procedures ....................................................................................................................... A-8 
     Suspicious Activity Reporting Procedures for Commercial Banking.................................................... A-10 
     OCC BSA/AML Quantity of Risk Summary Form............................................................................... A-13 
     Foreign Correspondent Banks Certification Sample.............................................................................. A-17 
     Foreign Correspondent Account Applications Due Diligence Checklist............................................... A-19 
     NASD Procedures for Manual Monitoring of Accounts and Filing of SAR-SFs.................................. A-20 
     Currency Transaction Report Checklist................................................................................................. A-22 
     Monetary Instrument Data Collection Checklist ................................................................................... A-23 
     Wire Transfer Checklist ......................................................................................................................... A-24 
     Designated Exempt Entity Review ........................................................................................................ A-25 
     Separate Transaction Information Forms............................................................................................... A-26 




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                                                           Part B
                                               Customer Identification Program


      New Account Customer Identification Worksheet .................................................................................. B-1 
      Business Customer Identification Worksheet .......................................................................................... B-2 
      Trust Client Identification Worksheet...................................................................................................... B-3 
      Decision Points Analysis/Review Chart .................................................................................................. B-4 
      New Personal Account Procedure Forms ..............................................................................................                 B-14 
         Master Signature Card.....................................................................................................................       B-14 
         Identification Documentation Detail ...............................................................................................              B-15 
         New Account Relationship Transactions ........................................................................................                   B-16 
         Account Decline Form ....................................................................................................................        B-20 
         Driver’s License Verification Example...........................................................................................                 B-21 
         Driver’s License Verification Sample Decoding Table ..................................................................                           B-23 
         Decoding the First Three Digits of Social Security Numbers .........................................................                             B-24 
         Alien Resident Card ........................................................................................................................     B-25 
         New Customer — Alien Status .......................................................................................................              B-26 
         Table of Relevant Nonimmigrant Visa Classes...............................................................................                       B-29 
      New Business Account Procedure Forms..............................................................................................                  B-30 
         Master Signature Card.....................................................................................................................       B-30 
         Identification Documentation Detail ...............................................................................................              B-31 
         Additional New Account Opening Guidelines................................................................................                        B-32 
         Account Decline Form ....................................................................................................................        B-35 
      Account Relationship Termination Due to Lack of Customer ID Verification Grid............................. B-37 
      New Account Relationship Red Flag Details to Monitor ...................................................................... B-38 
      CIP Checklist ......................................................................................................................................... B-40 
      Voluntary Information Sharing Checklist (BSA) .................................................................................. B-43 
      Investment Advisers BSA Checklist...................................................................................................... B-47 
      CIP Audit Worksheet............................................................................................................................. B-48 
      CIP Responsibilities............................................................................................................................... B-51 
      CIP Implementation Questionnaire........................................................................................................ B-53 
      CIP Worksheet ....................................................................................................................................... B-61 
      CIP Documentation Checklist for New Personal Accounts................................................................... B-62 
      CIP Documentation Checklist for New Business Accounts .................................................................. B-63 
      CIP Subpolicy Audit Checklist .............................................................................................................. B-64 




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                                                                        Part C
                                                                        OFAC


     Detailed Compliance Monitoring Checklist ............................................................................................ C-1
     Anti-Money Laundering/Counter Financing for Terrorists Checklist ..................................................... C-7
     Risk Assessment Worksheet .................................................................................................................. C-13
     Integrated OFAC Policy Sample Statement........................................................................................... C-16



                                                                   Part D
                                                               Recordkeeping


     BSA Record Retention Checklist............................................................................................................. D-1
     Fund Transfer Recordkeeping Checklist.................................................................................................. D-3



                                                            Part E
                                                 Audit and Risk Management


     BSA/AML Overall Bank Risk Assessment Sample ................................................................................ E-1
     CIP Procedures for Retail Banking Risk Assessment.............................................................................. E-5
     CIP Procedures for Business Accounts Sample Risk Assessment Matrix............................................... E-6
     Fund Transfers Internal Control Questionnaire ....................................................................................... E-7
     MSB Identification Form and Checklist .................................................................................................. E-8
     Fund Transfer Checklist......................................................................................................................... E-10
     BSA/AML Risk Assessment..................................................................................................................     E-11
        Risk Rating Worksheet by Location................................................................................................          E-21
        Product/Service Risk Ranking with Delivery Channel ...................................................................                     E-28
        Risk Assessment by Product/Service ..............................................................................................          E-29
        Assessing Quantity of BSA/AML Risks Across Institution............................................................                         E-31
        BSA/AML Ranking by Branch .......................................................................................................          E-34
        In-Depth Office/Functional Area Analysis Worksheet ...................................................................                     E-36
        General Customer Base Profile .......................................................................................................      E-38
        Assessing Quantity of OFAC Risks Across Institution...................................................................                     E-39
        Business Customer Risk Assessment Worksheet............................................................................                    E-40
        Personal Customer Risk Assessment Worksheet ............................................................................                   E-42


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           Customer Risk Assessment ............................................................................................................. E-43
      Risk Management Profile ...................................................................................................................... E-48
      Corporate-Wide Risk Assessment Form................................................................................................ E-49
      Large Bank CIP Risk Assessment Form of Individual Relationship ..................................................... E-53
      Audit Tools for Transaction Testing...................................................................................................... E-60
      Customer Due Diligence Procedures Checklist ..................................................................................... E-63
      Money Laundering Threats Based on Type of Card Program ............................................................... E-64



                                                                    Part F
                                                                 Sample Policies


      Bank Secrecy Act/Anti-Money Laundering Policy .................................................................................. F-1
      Sample Bank Secrecy Act Policy.............................................................................................................. F-8
      Accountability Policy.............................................................................................................................. F-13
      Office of Foreign Assets Control Policy and Procedures ....................................................................... F-17
      Sample Anti-Money Laundering Policy and Procedures........................................................................ F-23
      Integrated OFAC Policy Statement......................................................................................................... F-29
      In-Depth Stand-Alone OFAC Policy Sample ......................................................................................... F-38
      General AML Policy Statement for the Investment Department............................................................ F-57
      OFAC Policy Sample.............................................................................................................................. F-58
      Bank Secrecy Act Policy Checklist ........................................................................................................ F-61



                                                                  Part G
                                                             Sample Procedures


      BSA/AML Procedures for Tellers and Customer Service Representatives............................................. G-1 
      CIP Procedures for Retail Banking Accounts and Safe Deposit Boxes................................................... G-9 
      CIP Procedures for Direct Retail Lending and Leasing......................................................................... G-13 
      CIP Procedures for Consumer Real Estate Lending .............................................................................. G-16 
      CIP Procedures for Commercial Accounts ............................................................................................ G-19 
      Suspicious Activity Reporting Procedures for Commercial Banking.................................................... G-24 
      CIP Procedures for Insurance Departments ........................................................................................... G-27 
      CIP Procedures....................................................................................................................................... G-30 


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     CIP Procedures for Credit Card Department ......................................................................................... G-35 
     CIP Procedures for Trust Departments .................................................................................................. G-38 
     Sample Customer Identification Procedures.......................................................................................... G-43 
     OFAC Compliance Sample Procedures................................................................................................. G-49 
     OFAC Compliance Examination Procedures ........................................................................................ G-79 
     Procedures for Completing the Currency Transaction Report (CTR) Form.......................................... G-98 



                                                                 Part H
                                                             Sample Programs


     Sample Customer Identification Program................................................................................................ H-1
     Risk-Based Analysis for CIP Programs ................................................................................................... H-4
     BSA Audit Program Summary .............................................................................................................. H-10
     Bank Secrecy Act Audit Program.......................................................................................................... H-15



                                                              Part I
                                                     Sample Training Agendas


     BSA Officer Job Description ..................................................................................................................... I-1
     General BSA/OFAC/AML Training.......................................................................................................... I-3
     Training Outline for Tellers ....................................................................................................................... I-6
     Training Outline for Retail New Account Staff....................................................................................... I-12
     Training Outline for Retail Lenders......................................................................................................... I-18
     Training Outline for Mortgage Staff........................................................................................................ I-23
     Training Outline for Commercial Banking Staff ..................................................................................... I-28
     Training Outline for International Departments ...................................................................................... I-33
     Training Outline for Insurance Department Employees .......................................................................... I-38
     Training Outline for Credit Card Department Staff................................................................................. I-43
     Training Outline for Deposit Operations and IT Staff ............................................................................. I-48
     Training Outline for Loan Servicing Department Staff ........................................................................... I-53
     Training Outline for Trust Department Staff ........................................................................................... I-58
     In-Depth BSA/CIP Training Plan Outline ............................................................................................... I-63
     Sample BSA/CIP Training Announcement Memo .................................................................................. I-65


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      CIP Training Presentation........................................................................................................................ I-73
      CIP Training Session Attendance Sheet ................................................................................................ I-101
      CIP Seminar Evaluation......................................................................................................................... I-102
      In-Depth OFAC Training Plan Outline.................................................................................................. I-104
      Reading Materials for OFAC Training .................................................................................................. I-106
      Sample OFAC Training Announcement Memo .................................................................................... I-112
      OFAC Training Session Agenda ........................................................................................................... I-113
      OFAC Training Presentation ................................................................................................................. I-114
      OFAC Training Session Attendance Sheet............................................................................................ I-125
      OFAC Seminar Evaluation .................................................................................................................... I-126



                                                                Part J
                                                       Miscellaneous Checklists


      Local FBI Offices ..................................................................................................................................... J-1 
      Best Practices for Nonprofit Organizations and Charities Checklist ........................................................ J-5 
      Banking Functions Affected by the Bank Secrecy Act Checklists ......................................................... J-10 
      Handy Reference Tool for AML............................................................................................................. J-41 
      Evaluating Potential AML Software Solutions....................................................................................... J-46 
      BSA Interview Questionnaire Personal and Private Bankers ................................................................. J-47 
      BSA Interview Questionnaire Tellers ..................................................................................................... J-49 
      Top 10 Questions and Answers for BSA/AML ...................................................................................... J-51 
      Purchase/Sale of Monetary Instruments and Wire Transfers Question and Answer Resource .............. J-54 
      Current Topics for Fall 2008 Question and Answer Resource ............................................................... J-71 




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