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Bộ mẫu cán bộ tuân thủ AML

Chương trình AML/CFT, quy trình cấm vận, đánh giá rủi ro toàn doanh nghiệp và khách hàng, KYC/CDD, EDD, thẩm định ngân hàng đại lý, giám sát giao dịch, SAR/STR và kiểm tra độc lập.

Bước 1

Chính sách

  1. AML/CFT Programme Policy Template (AMLR, BSA, MLR 2017)

    Đầy đủ

    AML/CFT policy: legal basis EU now and AMLR 2027, governance and MLRO, risk assessment, CDD/EDD, monitoring, SARs, sanctions, records, training, testing

    Directive (EU) 2015/849; AMLR (EU) 2024/1624 from 2027-07-10; 31 CFR 1020.210; UK MLR 2017; FATF R.1, R.10, R.18

  2. Sanctions Compliance Procedure Template (OFAC, EBA/GL/2024/14, OFSI)

    Đầy đủ

    Regimes, governance, list management, customer and payment screening, ISO 20022 fields, fuzzy thresholds, alerts, freezing, OFAC/OFSI reporting, testing

    OFAC Framework for Compliance Commitments 2019; EBA/GL/2024/14 and 2024/15; OFSI guidance 2026
Bước 2

Đánh giá tác động

  1. AML Business-Wide Risk Assessment Template (ML/TF/PF)

    Đầy đủ

    Enterprise-wide ML/TF/PF and sanctions evasion risk assessment: method, inputs, inherent risk by area, control ratings, residual risk, appetite, actions

    Directive (EU) 2015/849 Art. 8; AMLR (EU) 2024/1624 Art. 10 from 2027-07-10; 31 CFR 1020.210; UK MLR 2017 reg. 18; FATF R.1

  2. Customer Risk Rating Methodology Template (AML/KYC)

    Đầy đủ

    AML customer risk rating: factors and weights, scoring formula, automatic triggers, bands and CDD levels, worked examples, overrides, review cycle, validation

    Directive (EU) 2015/849 Art. 13, Annexes I-III; AMLR (EU) 2024/1624 Art. 20(2), 26; EBA/GL/2021/02; 31 CFR 1020.210(a)(2)(v); FATF R.10

  3. Sanctions Exposure Assessment Template (EBA/GL/2024/14, OFAC 50% Rule)

    Đầy đủ

    Regimes, scoring method, geography, customer, product and channel exposure, OFAC 50% vs EU and UK ownership tests, typologies, controls, residual risk

    EBA/GL/2024/14 Section 4.2; OFAC Framework 2019; OFAC 50 Percent Rule; OFSI guidance 2026
Bước 3

Tiếp nhận và chính sách

  1. KYC and CDD Customer Profile Template (EU AMLR, US CDD Rule)

    Đầy đủ

    KYC customer profile: legal basis, identification, verification, beneficial ownership chart, purpose and nature, source of funds, expected activity, PEP and sanctions screening, risk rating, decision, periodic review

    FATF R.10, R.12, R.24; 31 CFR 1020.220 and 1010.230; EU AMLR (EU) 2024/1624 from 2027-07-10

  2. Enhanced Due Diligence (EDD) Memo Template (PEP, High-Risk Country)

    Đầy đủ

    EDD memo: triggers and legal basis, PEP, high-risk third country and structure analysis, source of wealth and funds, adverse media, risk conclusion, mitigation, senior approval, monitoring, decision

    FATF R.12, R.19; EU AMLR (EU) 2024/1624 Arts 29-46 from 2027-07-10; UK MLR 2017 regs 33, 35

  3. Correspondent Banking Due Diligence Template (FATF R.13, 31 CFR 1010.610)

    Đầy đủ

    Correspondent banking file: legal basis, services, respondent profile, ownership and licence, jurisdiction, AML/CFT and sanctions controls, nested and payable-through, shell bank checks, rating, approval, monitoring

    FATF R.13; EU AMLR (EU) 2024/1624 Arts 36, 38, 39 from 2027-07-10; 31 CFR 1010.610 and 1010.630
Bước 4

Phát hiện và săn tìm mối đe dọa

  1. Transaction Monitoring Scenario Specification Template (NYDFS Part 504, AML)

    Đầy đủ

    Typology and risk mapping, logic, parameters, segments, data lineage, ATL/BTL calibration and sample size, alert volumes, investigation, validation

    3 NYCRR Part 504; 31 CFR 1020.320; AMLR Art. 26 (from 2027-07-10); SR 26-2
Bước 5

Phản hồi và ước tính

  1. SAR and STR Narrative Template (FinCEN, EU AMLR, Tipping-Off Controls)

    Đầy đủ

    Filing deadline tracker, reporting route by jurisdiction, subjects, evidence log, transaction summary, red flags, who-what-when-where-why-how builder, narrative, decision, tipping-off controls

    31 CFR 1020.320; FinCEN SAR narrative guidance (2003) and SAR FAQs (2025-10-09); EU AMLR (EU) 2024/1624 Arts 69 and 73
Bước 6

Kiểm chứng

  1. AML Independent Test Report Template (BSA Pillar, EU AMLR Art. 9)

    Đầy đủ

    Scope and legal basis, independence, sampling and ratings, risk assessment, governance, CDD/EDD, monitoring and SAR testing, sanctions, training, prior findings, finding register, traceability

    31 CFR 1020.210(a)(2)(ii); Directive (EU) 2015/849 Art. 8(4)(b); AMLR (EU) 2024/1624 Art. 9(2)(b); UK MLR 2017 reg. 21