Box 3.6. United States – Joint statement and factsheet to encourage and provide clarity on RBA 框 3.6. 美国 – 联合声明和事实说明,旨在鼓励并提供关于 RBA 的清晰度 The United States Federal Banking Agencies and Financial Crimes Enforcement Network have consistently engaged with the financial sector by direct outreach to the banks they supervise through: 美国联邦银行机构和金融犯罪执法网络通过直接与其监管的银行进行沟通,持续与金融行业互动: • 在行业会议上发表演讲,• 双边会议 • participation in financial inclusion-focused discussion roundtables and working groups, • 参与以金融普惠为重点的讨论圆桌会议和工作组, • the issuance of guidance on the application ofthe RBA, and • 发布关于 RBA 应用的指导, • 发布 联合声明 For example, in 2022, the Federal Banking Agencies and Financial Crimes Enforcement Network participated in the issuance of the Joint Statement on the Risk-Based Approach to Assessing Customer Relationships and Conducting Customer Due Diligence155 . The Statement reinforced a longstanding position that: 例如,在 2022 年,联邦银行机构和金融犯罪执法网络参与了《基于风险的方法评估客户关系和进行客户尽职调查联合声明》的发布 155。该声明重申了长期以来的立场: • no customer type presents a single level of uniform risk a particular risk profile related to ML, TF or other illicit financial activity, • 没有客户类型会呈现单一水平的统一风险,与洗钱、恐怖融资或其他非法金融活动相关的特定风险特征, • banks must adopt appropriate risk-based procedures for conducting ongoing CDD that enable them to understand the nature and purpose of customer relationships for developing a customer risk profile, conduct ongoing monitoring to identify and report suspicious transactions and, on a risk basis, maintain and update customer information. • 银行必须采用适当的基于风险的程序进行持续的客户尽职调查,使其能够了解客户关系的性质和目的,以建立客户风险档案,进行持续监控以识别和报告可疑交易,并根据风险情况维护和更新客户信息。 • banks are encouraged to manage customer relationships and mitigate risks based on customer relationships, rather than decline to provide banking services to entire categories of customers. • 鼓励银行根据客户关系管理客户关系并降低风险,而不是拒绝向整个客户类别提供银行服务。 2020 年,联邦银行机构和金融犯罪执法网络也参与了 关于慈善机构和非慈善机构的《银行保密法》尽职调查要求的 联合情况说明书 营利性组织156: • It provides clarity to banks on how to apply an RBA to charities and other NPOs, consistent with the CDD provisions of the Bank Secrecy Act. • 它为银行如何将风险评估方法应用于慈善机构和其他非营利组织提供了清晰度,与银行保密法中的客户尽职调查规定一致。 • 该声明是为了回应 一些慈善机构报告 在获得和维持准入 方面遇到的困难而制定的 金融服务,危及 慈善机构为最弱势群体做出的重要贡献 • The Federal Banking Agencies reminded banks that charities vary in their risk profiles and should be treated according to such profiles. • 联邦银行机构提醒银行,慈善机构的风险状况各不相同,应根据其风险状况进行管理。 The United States Treasury and the federal functional regulators encourage FIs to apply an RBA to Customer Identification Programme Rule requirements (e.g., customer identity verification, ongoing CDD) and have clarified the flexibility that the regulatory provisions allow. Examples include: 美国财政部和联邦职能监管机构鼓励金融机构将风险评估方法应用于客户身份识别计划规则要求(例如,客户身份验证、持续的客户尽职调查),并已阐明监管规定所允许的灵活性。例如: • Interagency Interpretive Guidance on Customer Identification Program Requirements.157 • 跨机构解释性指南:客户身份识别计划要求 157 |