Vous êtes sur la page 1sur 9

8/2/2015

AntiMoneyLaunderingandTerroristFinancing

ANTIMONEYLAUNDERINGANDTERRORISTFINANCING

I. Aboutmoneylaundering

II. Aboutterroristfinancing

8July2015

III. Preventionofmoneylaunderingandterroristfinancing

IV. LegislativeframeworkforthepreventionofmoneylaunderingandterroristfinancingintheRepublicofCroatia

V. TheroleoftheCNBinthepreventionofmoneylaunderingandterroristfinancingintheRepublicofCroatia

VI. AboutthePMLTFCommittee

VII. Internationalinstitutionsandgroupsengagedinthecombatofmoneylaunderingandterroristfinancingandtheirdocuments

IABOUTMONEYLAUNDERING

Thetermmoneylaunderingimpliesarangeofactivitiesinbanking,monetaryorothereconomicoperationswhose

purposeistoconcealtheactualsourceofmoney,orassetsorrightsacquiredbymeansofmoneyobtainedinan

unlawfulmanner.Animportantcharacteristicofmoneylaunderingisthatitisalwaysprecededbysomeunlawful

activity.Ingeneral,thetermmoneylaunderingimplieseveryactivityaimedatconcealingunlawfullyobtainedincomein

suchawayastopresentsuchincomeaslawfulproceeds.

TheCouncilofEuropefirstusedthistermin1980initsRecommendationNo.R(80)10onMeasuresAgainstthe

TransferandtheSafekeepingofFundsofCriminalOriginandintheUSAthetermwasfirstofficiallyusedina1982court

rulingagainstColombiancocainemafia.

Thefirstpieceoflegislationonmoneylaundering(TheMoneyLaunderingControlAct)wasenactedin1986intheUS

FederalStateofWashington.Thisactenvisagedseveresanctionsagainstpersonswhofailedtoreportdulymonetary

transactionsinexcessofUSD10,000orwhofailedtomeettheobligationtokeepreceiptsonbusinesstransactions

involvingamountsinexcessofUSD3,000

IIABOUTTERRORISTFINANCING

Thetermterrorism,initsbroadestsense,impliesanyuseofviolenceforthepurposeofachievingpoliticalgoals.The

riskofterroristfinancingliesinthedangerthatthefinancialsystemwillbeusedforterroristfinancing,i.e.thatsome

legalrelationship,transactionorproductwillbeuseddirectlyorindirectlyforterroristfinancing.

Unlikemoneylaunderingwhichisalwaysprecededbyanunlawfulactivity,terrorismmaybefinancedfromtheproceeds

oflegalactivities(humanitarianorganisations,variousassociations,donations).Thismakesdetectionofterrorist

financingverydifficult,evenmoresoifwebearinmindthefactthattransactionamountsinvolvedinterroristfinancing

oftentendtobesmallerthantheamountsthatunderlawhavetobereportedtotheanti­moneylaunderingoffice.As

themeasurestakentopreventmoneylaunderingarenotsufficientinthefightagainstterroristfinancing,theyhavetobe

supplementedbyspecialmeasuresprescribedbycompetentinternationalbodies.

Belowlistedarelinkstopersonsandentitiesassociatedwithterrorismwhoareundersometypeofsanction:

IIIPREVENTIONOFMONEYLAUNDERINGANDTERRORISTFINANCING

TheresponsibilityforthepreventionofmoneylaunderingandterroristfinancingintheRepublicofCroatiadoesnotlie

withoneinstitutionbutwithasystemwhichprovidesalegaldefinitionoftherolesoftheparticipants,theirinteraction

andcooperationandwhichconsistsof:

1. preventionbodies–obligatedpersons(banks,housingsavingsbanks,exchangeoffices,insuranceundertakings, brokers,lawyers,publicnotaries,taxadvisors,etc.)andtheOfficeforMoneyLaunderingPreventionasthe

8/2/2015

AntiMoneyLaunderingandTerroristFinancing

centralanalyticsservice;

2. supervisorybodies–theFinancialInspectorate,theTaxAdministration,theCNB,theCroatianFinancialServices

SupervisoryAgency;

3. criminalprosecutionauthorities–thepolice,thestateattorney'sofficeandthejudiciary.

IVLEGISLATIVEFRAMEWORKFORTHEPREVENTIONOFMONEYLAUNDERINGANDTERRORIST

FINANCINGINTHEREPUBLICOFCROATIA

CriminalCode(OfficialGazette125/2011)

Croatianversiononly

Ordinanceonthemannerandthetimelimitsforsubmittingdataon

ActontheInternationalRestrictionMeasures(OfficialGazette139/2008)

ForeignExchangeAct(OG96/2003,140/2005,132/2006,150/2008,92/2009,133/2009­PaymentSystemAct,

153/2009,145/2010and76/2013),unofficialamendedtext

153/2009,145/2010and76/2013),unofficialamendedtext CashenteringorLeavingtheUnion

CashenteringorLeavingtheUnion(ForeignExchangeAct,Article40)

ActontheResponsibilityofLegalPersonsforCriminalOffences(OfficialGazette151/2003,110/2007,45/2011

and143/2012)

8/2/2015

AntiMoneyLaunderingandTerroristFinancing

GUIDELINESOFSUPERVISORYAUTHORITIES

CroatianNationalBank(CNB)

CroatianServicesSupervisoryAgency(HANFA)

CroatianServicesSupervisoryAgency(HANFA)

MinistryofFinance–FinancialInspectorate

Croatianversiononly

­Croatianversiononly

VTHEROLEOFTHECNBINTHEPREVENTIONOFMONEYLAUNDERINGANDTERRORISTFINANCINGIN

THEREPUBLICOFCROATIA

CompetencesandresponsibilitiesoftheCNB

Supervisionoftheimplementationofregulationsintheareaofpreventionofmoneylaunderingandterrorist

financinginbanks,savingsbanks,creditunionsandelectronicmoneyinstitutions;

Givingrecommendationsfortheimprovementofthesystemforthepreventionofmoneylaunderingandterrorist

financing;

Organisationoftrainingintheareaofpreventionofmoneylaunderingandterroristfinancingfortheinstitutions

underitssupervision;

OrganisationoftrainingfortheemployeesoftheCroatianNationalBankintheareaofpreventionofmoney

launderingandterroristfinancing;

Draftingguidelinesfortheimplementationofregulationsintheareaofpreventionofmoneylaunderingand

terroristfinancingforbanks,savingsbanks,housingsavingsbanks,creditunionsandelectronicmoney

institutions;

Participationinthedraftingoflawsandsubordinatelegislationwhichregulatethepreventionofmoneylaundering

intheRepublicofCroatia;

Co­operationwithotherdomesticandinternationalbodiesregulatinganti­moneylaunderingandterrorist

financing.

TheCNBcooperateswithotherdomesticandinternationalbodiesintheareaofpreventionofmoneylaunderingand

terroristfinancing.

TheCroatianNationalBankcooperateswithdomesticbodiesbasedonthefollowingagreements:

ProtocolonCooperationandEstablishmentofanInter­institutionalWorkingGroupforPreventingMoney

LaunderingandTerroristFinancing(IIWG)

8/2/2015

AntiMoneyLaunderingandTerroristFinancing

TheCroatianNationalBankcooperateswithinstitutionsabroadonthebasisofthefollowingmemorandaof

understandingandcooperation:

(CooperationagreementbetweenFrenchBankingCommissionandtheCNB)

VI ABOUTTHEPMLTFCOMMITTEE

TheCommitteeoftheCroatianNationalBankforthePreventionofMoneyLaunderingandTerroristFinancing

(hereinafter:theCommittee)wasestablishedinMarch2007.TheroleoftheCommitteeistoformulateandcoordinate

proceduresandactivitiesoftheCNBincarryingoutlegislativetaskswithinthejurisdictionoftheCNBinthefieldof

preventionofmoneylaunderingandterroristfinancingandtodefineitsviewsonindividualtopicsinthatarea.The

Committeedecidesonrequestsfordataandinformationsubmittedbyotherbodies,monitorstheimplementationof

mutuallyassumedrightsandobligations,includingtheexchangeofinformationanddatabasedonagreementsentered

intowithotherbodies,preparesandproposesenteringintoagreementsoncooperationwithotherbodies,issues

proposalsforthedraftingandadoptionofsubordinatelegislationtocompetentexpertservicesandparticipatesinthe

draftingoflegislationonthepreventionofmoneylaunderingandterroristfinancing.Inco­operationwiththeCroatian

ChamberofEconomyandtheCroatianBankingAssociation,theCommitteeparticipatesinorganisingtrainingsfor

obligatedpersonsundertheCNB’ssupervision.

ThemembersoftheCommitteeincluderepresentativesofseveralorganisationalunits,whoarealsothemembersof

theIIWGandIDWGST.TheCommitteeactsasaninternalconsultativebody,whichreportstotheGovernorona

regularbasis.

Initswork,theCommitteecooperateswith:

Inter­institutionalWorkingGroupforthePreventionofMoneyLaunderingandTerroristFinancing(IIWG)

NationalCommissionforthePreventionandSuppressionofTerrorism

OneofthetasksoftheCommitteeistoprovideinterpretationoftheimplementationofguidelinesissuedbytheCNB.

QuestionsonthistopiccanbeforwardedtotheCommitteeatthefollowinge­mailaddress:odbor­SPNFT@hnb.hr

CommitteeActivities

ProjectCARDS2003"PreventionandCombatingMoneyLaundering"

8/2/2015

AntiMoneyLaunderingandTerroristFinancing

ProgramCARDS(CommunityAssistanceforReconstruction,DevelopmentandStabilisation)isatechnical­

financialaidprogrammeoftheEuropeanUnionwhichwasadoptedinDecember2000andwhosebasicobjective

istoprovidesupporttothecountriesofSoutheastEuropeinactiveparticipationinthestabilisationand associationprocessandintheimplementationofobligationsassumedundertheStabilisationandAssociation Agreement(SAA).TheprojectCARDS"PreventionandCombatingMoneyLaundering"wascompletedin

December2007.Itsmainobjectivewastoprovidesupporttoinstitutionalstrengtheningwithaviewtopreventing

moneylaunderingandcombatingterroristfinancing,organisedcrimeandingeneral,seriousformsoffinancial

crime.

TheCroatianChamberofEconomy

IntheframeworkofitscooperationwiththeCroatianChamberofEconomy,theCommitteeholdsaseminarfor

creditsinstitutionsandeletronicmoneyinstitutionseveryyearsinceitsestablishment,onnewdevelopmentsin

theareaofpreventionofmoneylaunderingandterroristfinancing.Thereisacontinuousco­operationbetween

thesetwoinstitutionsassociatedwiththeinterpretationoftheAnti­MoneyLaunderingandTerrorismFinancing

Act,aswellasaco­operationwiththeCroatianChamberofEconomy,asaprofessionalassociation,indraftingof

theGuidelinesforcreditinstitutions,creditunionsandelectronicmoneyinstitutions.

TheCroatianBankingAssociation

Intheareaofpreventionofmoneylaunderingandterroristfinancing,theCommitteeco­operatesandexchanges

information,receivedbytheMinistryofForeignandEuropeanAffairsandotherauthorities,withtheCroatian

BankingAssociation,regardingalistofextraterritorialdestinations,equivalentthirdcountries,alistofindicators

ofsuspicioustransactionsandcybercrimeissues.InpreparingtheGuidelinesforcreditinstitutions,creditunions

andelectronicmoneyinstitutions,theCommitteeco­operateswiththeCroatianBankingAssociationasa

professionalassociation.

TheCroatianFinancialServicesSupervisoryAgency(HANFA)

TheCroatianNationalBankandHANFAcooperatewitheachotherandcoordinatetheiractivitiesthroughthe

WorkingCommitteeforFinancialSystemSupervision.Thecooperationconsistsinacontinuousexchangeof

informationrelatedtoindividualmattersandtheissuingoflicensesandapprovals,ininitiatingandadopting

legislation,aswellasinthesupervisionofentitiessubjecttosupervisionwithintheinstitutions'respectivefields

ofauthority.Incaseofsomeopenissues,adhocworkinggroups,consistingoftherepresentativesofboth

institutions,canalsobesetuptojointlyseekpossiblesolutionsandproposetheonethatisthemostappropriate

foragivenissue.

Inter­institutionalWorkingGroupforthePreventionofMoneyLaunderingandTerroristFinancing(IIWG)

IIWGcomprisesrepresentativesoftheMinistryofJustice,theStateAttorney'sOffice,theMinistryofInterior,the

MinistryofFinance(theCustomsAdministration,theTaxAdministration,theFinancialInspectorate,theOfficefor

MoneyLaunderingPrevention),theCroatianFinancialServicesSupervisoryAgency,theMinistryofForeignand

EuropeanAffairs,theSecurityandIntelligenceAgencyandtheCNB.

IIWGisresponsibleforcoordinatingthemeasuresandreportingontheimplementationoftheActionPlanforthe

PreventionofMoneyLaunderingandTerroristFinancing,coordinatingthepreparationofthereportsfor

MONEYVAL,promotinginter­institutionalcooperationinthisareaandproposingimprovementsinlegislation,

implementingregulations,guidelines,etc.

NationalCommissionforthePreventionandSuppressionofTerrorism(Commission) TheGovernmentoftheRepublicofCroatiaadoptedtheDecisionontheestablishmentoftheNational

CommissionforthePreventionandSuppressionofTerrorismon23July2014.Commissionmembersare

representativesofthefollowingbodies:theMinistryofForeignandEuropeanAffairs,theMinistryoftheInterior,

theMinistryofFinance,theMinistryofDefence,theMinistryofJustice,theMinistryofEconomy,theMinistryof

MaritimeAffairs,TransportandInfrastructure,theOfficeofthePresidentoftheRepublicofCroatia,theOfficeof

theNationalSecurityCouncil,theOfficeforHumanRightsandRightsofNationalMinorities,theSecurityand

IntelligenceAgency,theMilitarySecurityandIntelligenceAgency,theStateAttorney'sOfficeoftheRepublicof

Croatia,theNationalProtectionandRescueDirectorateandtheCNB.TheMinistryofForeignandEuropean

AffairsisresponsibleforthecoordinationofCommissioneffortsandfortheperformanceofexpertand

administrativetasks.ThetasksoftheCommitteeareasfollows:coordinationofactivitiesfortheimplementation

oftheNationalStrategyforthePreventionandSuppressionofTerrorismandoftherelevantActionPlan;

coordinationofactivitiesandguidelinesofinternationalcounter­terrorisminitiatives,monitoringthe

implementationofthestatedmeasures;andpreparingreportsandopinionsoftheRepublicofCroatiaforthe

purposesofinternationalcounter­terrorismcooperation.TheCommissionhasalsotakenovertheactivitiesofthe

formerInter­departmentalWorkingGroupfortheSuppressionofTerrorism.

StandingCoordinatingGroup(SCG)formonitoringtheimplementationofinternationalrestrictionmeasuresand monitoringandco­ordinationofrestrictionmeasuresapplication TheSCG,whosemembers,amongothers,alsoincludeCNBrepresentatives,wasestablishedbytheGovernment

oftheRepublicofCroatiapursuanttoArticle5oftheActontheInternationalRestrictionMeasures.Thetermsof

referenceoftheSCGincludetheimplementationoftheUN'ssanctionregimeagainstAlQaidaandtheTaliban,

establishedbytheUnitedNationsSecurityCouncilResolution1267(1999),aswellasoftheEU'scounter­

terrorismsanctionsregime.

8/2/2015

AntiMoneyLaunderingandTerroristFinancing

VIIINTERNATIONALINSTITUTIONSANDGROUPSENGAGEDINTHECOMBATOFMONEYLAUNDERING

ANDTERRORISTFINANCINGANDTHEIRDOCUMENTS

Austria,19December1988

(OfficialGazetteoftheSFRY,14/1990of23November1990,ActontheRatificationoftheUnitedNations

ConventionagainstIllicitTrafficinNarcoticDrugsandPsychotropicSubstances)

(OfficialGazette,Internationalagreements,14/2002,ActontheRatificationoftheUnitedNations

ConventionAgainstTransnationalOrganizedCrime)

UnitedNationsConventionagainstcorruption,Merida,Mexico,14December2005

(OfficialGazette,Internationalagreements,2/2005,ActontheRatificationoftheUnitedNations

ConventionAgainstCorruption)

UNConventionsandotherInternationalStandards:

Terrorism 2. EuropeanUnion(EU)

November1990

(OfficialGazette,Internationalagreements,14/1997,ActontheRatificationoftheConventionon

laundering,Search,SeizureandConfiscationoftheProceedsfromCrime)

(OfficialGazette,Internationalagreements,5/2008,ActontheRatificationoftheCouncilofEurope

ConventiononLaundering,Search,SeizureandConfiscationoftheProceedsfromCrimeandonthe

FinancingofTerrorism

(OfficialGazette,Internationalagreements9/2002)

(OfficialJournaloftheEuropeanUnionOJL309/15)

(OfficialJournaloftheEuropeanUnionOJL76/46)

(OfficialJournaloftheEuropeanUnionOJL214/29)

(OfficialJournaloftheEuropeanUnionOJL309/9)

(OfficialJournaloftheEuropeanUnionOJL345/1)

TheFATFisanintergovernmentalbodyestablishedinParisin1989atthemeetingofG­7countrieswhosetaskis

tomonitortheimplementationofmeasuresforthepreventionofmoneylaunderingandterroristfinancing.The

FATFmandateincludestheintroductionofstandardsforcombatingmoneylaundering,terroristfinancing,

8/2/2015

AntiMoneyLaunderingandTerroristFinancing

proliferationofmassdestructionweapons,assessingcompliancewiththeFATFstandards,identifyingthreatsto

theintegrityoftheinternationalfinancialsystemandrespondingtothemthroughstudyinghighriskjurisdictions

andtypologies.

TherecommendationsissuedbytheFATFrepresentthestandardsforcombatingmoneylaunderingandterrorist

financing:

FATFregionalbodies:

Asia/PacificGrouponMoneyLaundering(APG) TheAsia/PacificGroupisanautonomousinternationalorganisationforthepreventionofmoneylaundering

establishedinBangkok,Thailand,in1997.Itcurrentlyconsistsof41membercountriesandanumberof

internationalandregionalobserversincludingtheFATF,theInternationalMonetaryFund(IMF),theWorld

Bank,theOrganisationforEconomicCo­operationandDevelopment(OECD),theUNOfficeonDrugsand

Crime,theAsianDevelopmentBank,theEgmontGroup,andothers.

TheCaribbeanFATFisanorganisationof29statesoftheCaribbeanBasin,whichhaveagreedto

implementcommonstandardsandmeasurestoaddresstheproblemofmoneylaundering.Itwas

establishedastheresultofmeetingsconvenedinArubainMay1990andJamaicainNovember1992.It

currentlyconsistsof29memberstates.

CouncilofEuropeSelectCommitteeofExpertsontheEvaluationofAnti­MoneyLaunderingMeasures (MONEYVAL) TheCouncilofEuropeSelectCommitteeofExpertsontheEvaluationofAnti­MoneyLaunderingMeasures, MONEYVAL,whichisresponsibleformonitoringtheimplementationofmeasuresforthepreventionof

representativesofFATFmemberstates,theWorldBank,theInternationalMonetaryFund,theEuropean

Union,Interpol,theEuropeanBankforReconstructionandDevelopmentandothers.

InSeptember2012,ateamofMONEYVALexpertspaidavisittoCroatiainthecontextofthe4throundof

evaluations.Incontactswithgovernmentandprivatesectorrepresentatives,theevaluatorsgathered informationtoevaluatecomplianceoftheCroatianlegislationanditsimplementationinthefieldof preventionofmoneylaunderingandterroristfinancing,whileassessingthelevelofcompliancewiththe

FATFrecommendations.Basedontheirfindings,theypreparedthe4thRoundEvaluationReporton

CroatiawhichwasadoptedatMONEYVAL's42ndplenarysessionheldinStrasbourginSeptember2013.

2006and2013)

TheEuroasianGrouponCombatingMoneyLaunderingandFinancingofTerrorismwasfoundedon6

October2004onRussia'sinitiativeandissupportedbyinternationalorganisationssuchastheFATF,the

InternationalMonetaryFund,theWorldBankanditsmemberstates.Since2011,thefollowingcountries

areEAG'smembers:Belarus,China,India,Kazakhstan,Kyrgyzstan,Russia,Tajikistan,Turkmenistanand

Uzbekistan.Theorganisation'sheadofficeisinMoscow.

EasternandSouthernAfricaAnti­MoneyLaunderingGroup(ESAAMLG) TheEasternandSouthernAfricaAnti­MoneyLaunderingGroupisaFATF­styleregionalbodyfoundedin

August1999thatcomprises15memberstatesfromEasternandSouthernAfrica.TheGroup'seffortsare

supportedbythefollowinginternationalorganisations:theFATF,theAsia­PacificGrouponMoney

Laundering(APG),theCaribbeanFATF(CFATF),theCommonwealthSecretariat,theEgmontGroup,

Interpol,theUNOfficeonDrugsandCrimeandtheWorldBank.

TheGIABAistheinstitutionoftheEconomicCommunityofWestAfricanStatesresponsibleforfacilitating

theadoptionandimplementationofanti­moneylaunderingandcounter­financingofterrorisminWest

Africa.AsaFATF­styleregionalbody,itseffortsare,inadditiontomemberstates,supportedbythe

8/2/2015

AntiMoneyLaunderingandTerroristFinancing

AfricanDevelopmentBank,theUNOfficeonDrugsandCrime,theWorldBank,theInternationalMonetary

Fund,Interpol,theWorldCustomsOrganisation,theCommonwealthSecretariatandtheEuropeanUnion.

TheGAFISUDisaFATF­styleregionalbodyinSouthAmericaestablishedon8December2000.Itscurrent

memberstatesare:Argentina,Bolivia,Brazil,Chile,Columbia,Ecuador,Mexico,Paraguay,Peruand

Uruguay.ThepurposeofGAFISUDistoworktowarddevelopingandstrengtheningthelegalframework

amongthememberstatesandintheregionforcombatingmoneylaunderingandterroristfinancinginline

withtheFATFrecommendations.

Observercountriesare:France,Germany,Portugal,SpainandtheUnitedStates.TheGroup'seffortsare

supportedbythefollowinginternationalorganisations:theEgmontGroup,theInter­American

DevelopmentBank,Interpol,theInternationalMonetaryFund,theOrganizationofAmericanStates,the

Inter­AmericanCommissionagainstDrugAbuse(CICAD),theUNandtheWorldBank.

MiddleEastandNorthAfricaFinancialActionTaskForce(MENAFATF) TheMENAFATFisaFATF­styleregionalbodyfortheMiddleEastandNorthAfrica.Itwasestablishedby

14countriesandregionson30November2004inManama,Bahrain.Itsmemberstatesare:Jordan,

UnitedArabEmirates,Bahrain,Algeria,Tunisia,SaudiArabia,Sudan,Syria,Iraq,Oman,Qatar,Kuwait,

Lebanon,Egypt,Morocco,Mauritania,LibyaandYemen.ThemainpurposeoftheMENAFATFisto

implementtheFATFstandardsforcombatingmoneylaunderingintheregion.Itsheadofficeisin

Manama,Bahrain.

4. CODEXTER(CommitteeofExpertsonTerrorism)

TheCODEXTER,establishedin2003,istheCommitteeofExpertsonTerrorismoftheCouncilofEurope.Oneof

themaintasksoftheCODEXTERistopreparereviewsoflegislationandinstitutionalcounter­terrorismplansof

themembersoftheCouncilofEurope.Thesearereportsoncounter­terrorismmeasuresimplementedbyeachof

thecountriesthroughnationalregulations.

EgmontGroupwasestablishedin1995withataskofstrengtheningandfacilitatinginternationalcooperation

betweenfinancialintelligenceunits(FIUs)throughouttheworld.Itsmembershipnumberscurrentlystandat132

membersandaresteadilyincreasing.

Establishedin1994,theInternationalAssociationofInsuranceSupervisors(IAIS)representsinsuranceregulators

andsupervisorsofsome190jurisdictionsthroughouttheworld.TheIAISissuesglobalinsuranceprinciples,

standardsandguidance,providestrainingandsupportonissuesrelatedtoinsurancesupervisionandorganises

meetingsandseminarsforinsurancesupervisors.

7. BaselCommitteeonBankingSupervision TheBaselCommittee,establishedwithintheBankforInternationalSettlements(BIS)bytheGroupofTen

countriesin1974,meetsregularlyfourtimesayear.TodaytheCommittee'smemberscomefromthecentral

banksofBelgium,Canada,France,Germany,Italy,Japan,Luxembourg,theNetherlands,Spain,Sweden,

Switzerland,theUnitedKingdomandtheUnitedStates.

8. TheWolfsbergGroup TheWolfsbergGroupisanassociationofelevenleadingglobalbanks:ABNAMRO,BancoSantanader,Bankof Tokyo­Mitsubishi­UFJ,Barclays,Citigroup,CreditSuisse,DeutscheBank,GoldmanSachs,HSBC,JPMorgan

Chase,SociétéGénéraleandUBS.TheWolfsbergGroupcametogetherin2000inSwitzerlandwiththeaimof

developingandpromotingbankingservicesindustrystandards,andrelatedproducts.TheGroupissuedthe

WolfsbergAnti­MoneyLaunderingPrinciplesforPrivateBankingin2000(revisedin2002and2012),subsequently

acceptedasbankingindustrystandards.

IMoLINisaninternationalorganisationestablishedin1998bytheUnitedNationsonbehalfofapartnershipof

internationalorganisationsinvolvedinthepreventionofmoneylaunderingandfinancingofterrorism.IMoLIN

collectsinformationonnationalmoneylaunderingandfinancingofterrorismlawsandidentifiesareasfor

8/2/2015

AntiMoneyLaunderingandTerroristFinancing

improvementintheselawsandinternationalco­operation.