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楼主:zgm

[银行相关] 收到银行关于反洗钱的调查表 [复制链接]

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发表于 2020-1-19 10:19 来自手机 |显示全部楼层
此文章由 Hetbert 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 Hetbert 所有!转贴必须注明作者、出处和本声明,并保持内容完整
本帖最后由 Hetbert 于 2020-1-19 10:29 编辑
zxz 发表于 2020-1-19 07:32
那我经常拿支付宝换钱和别人换钱 人家把澳币存我账号 会被查么?


看情况啊。转账或者现金存款笔笔超过10000就问题不大,对方经过了实名认证,也报了Austrac,银行满足合规义务。

就怕经常有人存大额现金去你账户,还控制在10000以下避免触发实名验证。这种符合Money Laundering Typology,银行一般会报Austrac,并且可能要求客户解释。

你的这种换汇可能会触发两条洗钱Red Flags。

structuring cash deposits/withdrawals

还有

large amounts of cash from unexplained sources


the transaction was inconsistent with the customer's profile
associations with multiple accounts under multiple names
drafts cashed for foreign currency e.g. euros, US$
cash deposited domestically with the funds subsequently withdrawn from ATMs offshore
cheques issued to a family member(s) at arms length from person
cash used to purchase large amounts of gold
cheques made out regularly to companies and individuals not linked to the account
deposit of gambling proceeds into a foreign bank account
depositing multiple large amounts of cash and receiving multiple cheques drawn on that account
early surrender of insurance policy incurring substantial loss
elaborate movement of funds through different accounts
frequent early repayments of loans
frequent deposits of winning gambling cheques followed by immediate withdrawal of funds in cash
frequently playing games with low returns but with higher chances of winning
frequent transfers indicated as loans sent from relatives
frequent remittance of bearer negotiable instruments e.g. bank drafts, offshore
funds transferred to a charity fund
gold transported by the individual but purchased with funds drawn from a company account
high level of funds placed on stored value cards
high volume of transactions within a short period
investment cheques issued to a family member
insurance policy being closed with request of the payment to be made to a third party
accounts
investment funds sent to 'interesting' countries
inserting funds into slot machines and immediately claiming those funds as credits
insurance policy cashed outside the jurisdiction of purchase
large amount of cash used to purchase insurance policy
large sums credited into accounts from 'interesting' countries
large cash deposits used for investment
large cash deposits into company accounts
large amounts of currency exchanged for traveller's cheques
large purchases of gold with transportation of the gold conducted by the individual
leaving large amounts of cash with a bookmaker and requesting a cheque in return
large amounts of cash from unexplained sources
multiple individuals sending funds to one beneficiary
multiple chip cash-outs on the same day
multiple cheques cashed into one bank account
multiple loans obtained over a short period of time with repayments made in cash
multiple issue of stored value cards and debit cards accessed offshore
multiple transactions of a similar nature on the same day in different locations
numerous bank drafts purchased domestically and subsequently deposited internationally
obtained loan and repaid balance in cash
purchasing high value assets (e.g. motor vehicles) followed by immediate resale with payment requested via cheque
purchase of high-value assets e.g. diamond ring, bullion, motor vehicle, property
purchase of an insurance policy followed by immediate surrender
purchasing and cashing out casino chips with no gaming activity
physical carriage of cash and/or bearer negotiable instrument out of Australia
regular sale of large amounts of precious metals and jewellery
regular sale of large amounts of gold with payment received in cash
purchase of multiple money orders
regular use of stored value card to withdraw funds overseas
regular claims made less than the premium payments
sale of large amounts of gold from an individual
structuring cash to purchase traveller's cheques
structuring the placement of betting transactions
structuring the purchase of bank drafts
structuring cash deposits/withdrawals
structuring chip cash-outs
structuring wire transfers
transfers from company accounts to private betting accounts
third party present for all transactions but does not participate in the actual transaction
transferring funds into third-party accounts
using third parties to undertake wire transfers
use of an intermediary to make large cash deposits
use of intermediary to make insurance policy payments
unusually large transfer of money from a individual to a business
use of gatekeepers e.g. accountant and lawyer, to undertake transactions
use of internet banking to transfer illicit funds into 'mule' accounts
use of multiple names to conduct similar activity
use of an offshore company to pay the premiums for a insurance policy taken out privately by individuals
use of safety deposit box to store large amounts of cash
use of third parties to undertake structuring of deposits and wire transfers
unexplained income inconsistent with economic situation
'u-turn' transactions occurring with funds being transferred out of Australia and then portions of those funds being returned
use of internet banking to frequently access Australian-based accounts internationally
use of a remittance dealer to send a large amount of cash
use of a remittance dealer to send large cash amounts overseas
use of third parties to purchase gaming chips
use of gatekeeper (e.g. accountant) to structure deposits and purchase real estate
use of a third party to gamble proceeds through casinos
use of companies to move funds under the guise of legitimate transactions
use of non-resident accounts
use of false and stolen identities to open and operate bank accounts
withdrawal of a large amount of funds in cash
wire transfers to tax haven countries e.g. British Virgin Islands
wire transfers from third parties located in tax haven countries
wire transfers used to purchase insurance policies
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发表于 2020-1-19 10:31 来自手机 |显示全部楼层
此文章由 katherman 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 katherman 所有!转贴必须注明作者、出处和本声明,并保持内容完整
zgm 发表于 2020-1-18 23:00
家人带了1万啊,然后听说存1万以上会触发什么ATO的警戒线,就存9800了

那刻意避免这个的行为不就很可疑吗?以后需要存多少就存多少。还有你是哪个银行?
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发表于 2020-1-19 11:17 来自手机 |显示全部楼层
此文章由 Hetbert 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 Hetbert 所有!转贴必须注明作者、出处和本声明,并保持内容完整
楼主你这种属于洗钱里的structuring deposits。

就按实际情况解释就好。

发表于 2020-1-19 12:08 |显示全部楼层
此文章由 zgm 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 zgm 所有!转贴必须注明作者、出处和本声明,并保持内容完整
katherman 发表于 2020-1-19 09:31
那刻意避免这个的行为不就很可疑吗?以后需要存多少就存多少。还有你是哪个银行? ...

BankWest,想着把钱存进offset,没想到这么麻烦

发表于 2020-1-19 12:09 |显示全部楼层
此文章由 zgm 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 zgm 所有!转贴必须注明作者、出处和本声明,并保持内容完整
Hetbert 发表于 2020-1-19 10:17
楼主你这种属于洗钱里的structuring deposits。

就按实际情况解释就好。

谢谢大神指点,就怕被ATO或者其他什么可怕的部门请喝茶喝咖啡啥的

发表于 2020-1-19 12:11 |显示全部楼层
此文章由 我的电脑 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 我的电脑 所有!转贴必须注明作者、出处和本声明,并保持内容完整
zxz 发表于 2020-1-19 07:32
那我经常拿支付宝换钱和别人换钱 人家把澳币存我账号 会被查么?

符合毒品洗钱的特征。赶快留好支付宝的记录,做好解释准备。
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发表于 2020-1-19 12:15 |显示全部楼层
此文章由 zgm 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 zgm 所有!转贴必须注明作者、出处和本声明,并保持内容完整
lengyi3211 发表于 2020-1-19 05:31
楼主, 这种无论你存几次, 只要额度在1万上下,存入私人账户而不是生意账户(生意账户的金额都会被查的几 ...

谢谢啊,原来需要这样的操作啊。那父母写的赠予文件需要英文吗?就简单的写“我自愿赠予1万刀给我的孩子XXX”就OK吗?没有什么固定格式吧?

发表于 2020-1-19 12:19 来自手机 |显示全部楼层
此文章由 zgm 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 zgm 所有!转贴必须注明作者、出处和本声明,并保持内容完整
就要安逸 发表于 2020-1-19 05:25
能不能把具体信件发出来看看,才好具体分析。现金金额不大,可能是其他原因 ...

内容感觉是固定模式的,发出来大家看看

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发表于 2020-1-19 12:21 |显示全部楼层
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难怪最近老是有人把现金放在我这里

发表于 2020-1-19 12:22 |显示全部楼层
此文章由 zgm 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 zgm 所有!转贴必须注明作者、出处和本声明,并保持内容完整
baili 发表于 2020-1-19 11:21
难怪最近老是有人把现金放在我这里

你家有保险库啊

发表于 2020-1-19 12:23 来自手机 |显示全部楼层
此文章由 lengyi3211 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 lengyi3211 所有!转贴必须注明作者、出处和本声明,并保持内容完整
zgm 发表于 2020-1-19 12:15
谢谢啊,原来需要这样的操作啊。那父母写的赠予文件需要英文吗?就简单的写“我自愿赠予1万刀给我的孩子X ...

网上查查 当然要英文的 可以写英文版的让父母签字就行 。
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发表于 2020-1-19 12:24 |显示全部楼层
此文章由 孤独马夫 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 孤独马夫 所有!转贴必须注明作者、出处和本声明,并保持内容完整
楼主存款的时候聪明反被聪明误,当初,不如分两次一万多,不要正好一样的金额就行了。我每次回来,带进来的钱,都是一次ATM存进去,带多少存多少,另外就是取决于ATM可接受的上限,根本不考虑什么洗钱规定。大概是我运气比较好吧。
信公知,变白痴。Never argue with stupid

发表于 2020-1-19 12:33 |显示全部楼层
此文章由 zgm 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 zgm 所有!转贴必须注明作者、出处和本声明,并保持内容完整
孤独马夫 发表于 2020-1-19 11:24
楼主存款的时候聪明反被聪明误,当初,不如分两次一万多,不要正好一样的金额就行了。我每次回来,带进来的 ...

主要是确实是亲友来了3次,每次带的1万,一次3月份,一次10月,一次12月,难道可以把钱一直放在家里积攒够了再存?那ATO会不会请喝茶,问你这3万怎么来的,是不是能相信你把这些现金一直放在家里大半年才存的?

发表于 2020-1-19 13:10 |显示全部楼层
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zgm 发表于 2020-1-19 12:33
主要是确实是亲友来了3次,每次带的1万,一次3月份,一次10月,一次12月,难道可以把钱一直放在家里积攒 ...

关键是你太贴近一万了,这个确实比就是直接存一万还要有嫌疑。
信公知,变白痴。Never argue with stupid

发表于 2020-1-19 13:28 来自手机 |显示全部楼层
此文章由 terry11 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 terry11 所有!转贴必须注明作者、出处和本声明,并保持内容完整
每次存3000
分3次存