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マネー・ローンダリング・テロ資金供与・拡散金融対策ポリシー
交通銀行東京支店（以下、「当行」といいます。）は、マネー・ローンダリング・テロ資金供与・拡散金融（以下、「マネー・ローンダリング等」といいます。）の防止に向け、以下のとおり基本方針を定めます。
１．運営方針
当行は、マネー・ローンダリング等の防止を経営上の最も重要な課題のひとつと位置付け、実効性のあるリスク管理態勢の構築に向けた不断の検証と高度化に取り組むとともに、国内外の関係当局等と密接に連携を図り、わが国および海外の法令・規制や金融犯罪の動向にも十分に注意を払い、金融機関としての信頼に応えます。
２．組織態勢
当行は、三線管理体制を採用し、経営陣の主導的な関与のもと、マネー・ローンダリング等への対策にかかる方針、手続、計画等を策定し、各部門間の連携・協働を促進し、マネー・ローンダリング等への対策の有効性確保のため適切な運営・管理を行います。
３．リスクベース・アプローチ
当行は、リスクベース・アプローチの考え方に基づき、「犯罪収益移転危険度調査書」「拡散金融リスク評価書」などの外部情報を踏まえ、当行が直面するマネー・ローンダリング等に係るリスクを特定・評価し、リスクに見合った低減措置を講じます。
４．法令等遵守
当行は、犯罪収益の移転防止に関する法律、外為法およびその他関係法令等に基づいて、取引時確認を実施のうえ記録し、マネー・ローンダリング等防止のため、有効にこれらの記録を活用します。
５．経済制裁および資産凍結
当行は、経済制裁対象者等との取引をフィルタリングなどの方法により排除します。また、資産凍結等の措置に係る確認について適切に実施する態勢を継続的に整備します。
６．疑わしい取引の届出
当行は、疑わしい取引の届出に関する手続等を定め、日常的なモニタリングを通じて検知した疑わしい取引等を適切に処理し、監督官庁に対して速やかに疑わしい取引の届出を行います。
７．匿名口座および偽名口座の禁止
当行は、匿名性の高い口座や偽名口座での取引は行いません。
８．役職員の研修
当行は、職員に対して高度な職業倫理を身に付けさせるよう努め、関連する法令の主旨を踏まえて、賄賂ならびに社会通念上相当と認められる程度を超える接待・贈答等の禁止について法令等遵守の手引きを策定し、職員はこれを遵守します。
９．贈収賄禁止および汚職防止
当行は、役職員に対して高度な職業倫理を身に付けさせるよう努め、関連の法令の主旨を踏まえて、賄賂ならびに社会通念上相当と認められる程度を超える接待・贈答等の禁止について法令等遵守の手引きを策定し、役職員はこれを遵守します。
１０．遵守状況の検証および監査
当行は、マネー・ローンダリング等の防止態勢について、統括管理責任者による適宜の検証に加え、独立した内部監査部門による定期的な監査を実施し、その監査結果を踏まえてさらなる社内態勢の改善に努めます。
１．運営方針
当行は、マネー・ローンダリング等の防止を経営上の最も重要な課題のひとつと位置付け、実効性のあるリスク管理態勢の構築に向けた不断の検証と高度化に取り組むとともに、国内外の関係当局等と密接に連携を図り、わが国および海外の法令・規制や金融犯罪の動向にも十分に注意を払い、金融機関としての信頼に応えます。
２．組織態勢
当行は、三線管理体制を採用し、経営陣の主導的な関与のもと、マネー・ローンダリング等への対策にかかる方針、手続、計画等を策定し、各部門間の連携・協働を促進し、マネー・ローンダリング等への対策の有効性確保のため適切な運営・管理を行います。
３．リスクベース・アプローチ
当行は、リスクベース・アプローチの考え方に基づき、「犯罪収益移転危険度調査書」「拡散金融リスク評価書」などの外部情報を踏まえ、当行が直面するマネー・ローンダリング等に係るリスクを特定・評価し、リスクに見合った低減措置を講じます。
４．法令等遵守
当行は、犯罪収益の移転防止に関する法律、外為法およびその他関係法令等に基づいて、取引時確認を実施のうえ記録し、マネー・ローンダリング等防止のため、有効にこれらの記録を活用します。
５．経済制裁および資産凍結
当行は、経済制裁対象者等との取引をフィルタリングなどの方法により排除します。また、資産凍結等の措置に係る確認について適切に実施する態勢を継続的に整備します。
６．疑わしい取引の届出
当行は、疑わしい取引の届出に関する手続等を定め、日常的なモニタリングを通じて検知した疑わしい取引等を適切に処理し、監督官庁に対して速やかに疑わしい取引の届出を行います。
７．匿名口座および偽名口座の禁止
当行は、匿名性の高い口座や偽名口座での取引は行いません。
８．役職員の研修
当行は、職員に対して高度な職業倫理を身に付けさせるよう努め、関連する法令の主旨を踏まえて、賄賂ならびに社会通念上相当と認められる程度を超える接待・贈答等の禁止について法令等遵守の手引きを策定し、職員はこれを遵守します。
９．贈収賄禁止および汚職防止
当行は、役職員に対して高度な職業倫理を身に付けさせるよう努め、関連の法令の主旨を踏まえて、賄賂ならびに社会通念上相当と認められる程度を超える接待・贈答等の禁止について法令等遵守の手引きを策定し、役職員はこれを遵守します。
１０．遵守状況の検証および監査
当行は、マネー・ローンダリング等の防止態勢について、統括管理責任者による適宜の検証に加え、独立した内部監査部門による定期的な監査を実施し、その監査結果を踏まえてさらなる社内態勢の改善に努めます。
交通銀行 東京支店
Anti-Money Laundering, Counter Financing of Terrorism, and Counter-Proliferation Financing Policy
Bank of Communications Co., Ltd., Tokyo Branch (hereinafter referred to as "the Branch") hereby establishes the following basic policy to prevent money laundering, financing of terrorism and proliferation financing (hereinafter collectively referred to as "Money Laundering etc.").
１．Management Policy
The Branch positions the prevention of Money Laundering etc. as one of its most critical management priorities. We are committed to continuous review and enhancement to build an effective risk management framework. At the same time, we will collaborate closely with domestic and international relevant authorities, pay close attention to domestic and global laws, regulations, and financial crime trends, and live up to the trust placed in us as a financial institution.
２．Organizational Framework
The Branch adopts a Three Lines of Defense model. Under the proactive leadership of management, we formulate policies, procedures, and plans regarding measures against Money Laundering etc., promote collaboration and cooperation among all departments, and conduct appropriate operations and management to ensure the effectiveness of these measures.
３．Risk-Based Approach
Based on the risk-based approach, the Branch identifies and assesses the risks related to Money Laundering etc. that the Branch faces, taking into account external information such as the "National Risk Assessment of Money laundering and Terrorist Financing" and "National Risk Assessment of Proliferation Financing", and implements mitigation measures commensurate with those risks.
４．Legal and Regulatory Compliance
In accordance with the Act on Prevention of Transfer of Criminal Proceeds, the Foreign Exchange and Foreign Trade Act and other related laws and regulations, the Branch conducts and records verification at the time of transaction, and effectively utilizes these records to prevent Money Laundering etc.
５．Economic Sanctions and Asset Freezing
The Branch eliminates transactions with subjects of economic sanctions through methods such as filtering. Furthermore, we continuously enhance a system to appropriately implement verifications regarding measures such as asset freezing.
６．Reporting of Suspicious Transactions
The Branch establishes procedures for reporting suspicious transactions, appropriately processes suspicious transactions detected through day-to-day monitoring, and promptly submits suspicious transaction reports to the supervisory authorities.
７．Prohibition of Anonymous and Fictitious Accounts
The Branch does not engage in transactions involving highly anonymous accounts or accounts under fictitious names.
８．Employee Training
The Branch deepens the knowledge and understanding of its directors and employees through regular education and training regarding the prevention of Money Laundering etc., strives to foster and enforce awareness, and works to secure and develop personnel with the expertise and suitability appropriate for their respective roles.
９．Anti-Bribery and Anti-Corruption
The Branch strives to ensure that its directors and employees possess high professional ethics. Based on the purpose of related laws and regulations, the Branch establishes compliance guidelines prohibiting bribery as well as entertainment and gifts that exceed socially accepted standards, and all directors and employees shall comply with these guidelines.
１０．Review of Compliance Status and Auditing
In addition to timely reviews of the prevention framework for Money Laundering etc. conducted by the head of AML management, the Branch conducts regular audits by an independent internal audit department, and strives to further improve its internal framework based on the results of such audits.
１．Management Policy
The Branch positions the prevention of Money Laundering etc. as one of its most critical management priorities. We are committed to continuous review and enhancement to build an effective risk management framework. At the same time, we will collaborate closely with domestic and international relevant authorities, pay close attention to domestic and global laws, regulations, and financial crime trends, and live up to the trust placed in us as a financial institution.
２．Organizational Framework
The Branch adopts a Three Lines of Defense model. Under the proactive leadership of management, we formulate policies, procedures, and plans regarding measures against Money Laundering etc., promote collaboration and cooperation among all departments, and conduct appropriate operations and management to ensure the effectiveness of these measures.
３．Risk-Based Approach
Based on the risk-based approach, the Branch identifies and assesses the risks related to Money Laundering etc. that the Branch faces, taking into account external information such as the "National Risk Assessment of Money laundering and Terrorist Financing" and "National Risk Assessment of Proliferation Financing", and implements mitigation measures commensurate with those risks.
４．Legal and Regulatory Compliance
In accordance with the Act on Prevention of Transfer of Criminal Proceeds, the Foreign Exchange and Foreign Trade Act and other related laws and regulations, the Branch conducts and records verification at the time of transaction, and effectively utilizes these records to prevent Money Laundering etc.
５．Economic Sanctions and Asset Freezing
The Branch eliminates transactions with subjects of economic sanctions through methods such as filtering. Furthermore, we continuously enhance a system to appropriately implement verifications regarding measures such as asset freezing.
６．Reporting of Suspicious Transactions
The Branch establishes procedures for reporting suspicious transactions, appropriately processes suspicious transactions detected through day-to-day monitoring, and promptly submits suspicious transaction reports to the supervisory authorities.
７．Prohibition of Anonymous and Fictitious Accounts
The Branch does not engage in transactions involving highly anonymous accounts or accounts under fictitious names.
８．Employee Training
The Branch deepens the knowledge and understanding of its directors and employees through regular education and training regarding the prevention of Money Laundering etc., strives to foster and enforce awareness, and works to secure and develop personnel with the expertise and suitability appropriate for their respective roles.
９．Anti-Bribery and Anti-Corruption
The Branch strives to ensure that its directors and employees possess high professional ethics. Based on the purpose of related laws and regulations, the Branch establishes compliance guidelines prohibiting bribery as well as entertainment and gifts that exceed socially accepted standards, and all directors and employees shall comply with these guidelines.
１０．Review of Compliance Status and Auditing
In addition to timely reviews of the prevention framework for Money Laundering etc. conducted by the head of AML management, the Branch conducts regular audits by an independent internal audit department, and strives to further improve its internal framework based on the results of such audits.
Bank of Communications Co., Ltd., Tokyo Branch