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colspan="9"><img src="../media/int-inner-up/int_13.jpg" WIDTH=720 HEIGHT="12" ALT=""></td> </tr> <tr> <td colspan="9"><table class="tableBorder1" width="100%" border="0" cellspacing="0" cellpadding="0" summary="layout table"> <tr> <td colspan="5">&nbsp;</td> </tr> <tr valign="top"> <td>&nbsp;</td> <td colspan="3"><div id="dropdownarea"> <form name="form1" action="javascript://"> <div> <label for="resDocsMenu">Resource Documents</label> <select name="resDocsMenu"> <option value="../pages_resource_docs/bg_frs.htm">Board of Governors of the Federal Reserve System</option> <option value="../pages_resource_docs/fdic.htm">Federal Deposit Insurance Corporation</option> <option value="../pages_resource_docs/ncua.htm">National Credit Union Administration</option> <option value="../pages_resource_docs/occ.htm">Office of the Comptroller of the Currency</option> <option value="../pages_resource_docs/ots.htm">Office of Thrift Supervision</option> <option value="../pages_resource_docs/fce.htm">Financial Crimes Enforcement Network</option> <option value="../pages_resource_docs/ofac.htm">Office of Foreign Assets Control</option> </select> <input type="button" class="button_go" value="Go" onClick="MM_jumpMenuGo('resDocsMenu','parent',0)"> </div> <div> <label for="presMenu">Examination Procedures</label> <select name="presMenu"> <option value="../procedures/core.doc">Core Procedures</option> <option value="../procedures/expanded.doc">Expanded Procedures</option> </select> <input type="button" class="button_go" value="Go" onClick="goPresentation('presMenu')"> </div> </form> </div></td> <td>&nbsp;</td> </tr> <tr valign="top"> <td>&nbsp;</td> <td colspan="3"><hr></td> <td>&nbsp;</td> </tr> <tr valign="top"> <td width="10">&nbsp;</td> <td><div id="mainContent"><!-- InstanceBeginEditable name="mainPgContent" --> <table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td class="style2"><h2>Bank Secrecy Act<br> Anti-Money Laundering <br> Examination Manual</h2></td> <td class="style2"><p align="right"><a href="OLM_102.htm">Backward</a> | <a href="manual_online.htm">Table of Contents</a> | <a href="OLM_104.htm">Forward</a></p></td> </tr> </table> <h1 align="center" class="style6">APPENDIX C: BSA/AML REFERENCES </h1> <h2 class="style2"><strong>Web Sites</strong></h2> <ul> <li>Board of Governors of the Federal Reserve System<strong> &mdash; </strong> <a href="http://www.federalreserve.gov/" target="_blank">www.federalreserve.gov</a></li> <li>Federal Deposit Insurance Corporation<strong> &mdash; </strong> <a href="http://www.fdic.gov/" target="_blank">www.fdic.gov</a> </li> <li>National Credit Union Administration<strong> &mdash; </strong> <a href="http://www.ncua.gov/" target="_blank">www.ncua.gov</a></li> <li>Office of the Comptroller of the Currency<strong> &mdash; </strong> <a href="http://www.occ.treas.gov/" target="_blank">www.occ.treas.gov</a></li> <li>Office of Thrift Supervision<strong> &mdash; </strong> <a href="http://www.ots.treas.gov/" target="_blank">www.ots.treas.gov</a></li> <li>Financial Crimes Enforcement Network<strong> &mdash; </strong> <a href="http://www.fincen.gov/" target="_blank">www.fincen.gov</a></li> <li>Office of Foreign Assets Control<strong> &mdash; </strong> <a href="http://www.treasury.gov/offices/enforcement/ofac/" target="_blank">www.treasury.gov/ofac</a></li> <li>Federal Financial Institutions Examination Council<strong> &mdash; </strong> <a href="http://www.ffiec.gov/" target="_blank">www.ffiec.gov</a></li> </ul> <h2 class="style2">Manuals or Handbooks</h2> <ul> <li><em class="style2"><a href="http://www.federalreserve.gov/boarddocs/supmanual/" target="_blank">Federal Reserve Commercial Bank Examination Manual</a></em></li> <li><em class="style2"><a href="http://www.federalreserve.gov/boarddocs/supmanual/" target="_blank">Federal Reserve Bank Holding Company Supervision Manual</a></em></li> <li><em class="style2"><a href="http://www.federalreserve.gov/boarddocs/supmanual/us_branches/usbranch.pdf" target="_blank">Federal Reserve Examination Manual for U.S. Branches and Agencies of Foreign Banking Organizations</a></em></li> <li><em class="style2"><a href="http://www.federalreserve.gov/boarddocs/supmanual/" target="_blank">Federal Reserve Guidelines and Instructions for Examinations of Edge Corporations</a></em></li> <li><em class="style2"><a href="http://www.fdic.gov/regulations/safety/manual/index.html" target="_blank">FDIC Manual of Examination Policies</a></em></li> <li><em class="style2"><a href="http://www.ncua.gov/GenInfo/GuidesManuals/ConsumerCompliance/ConsumerCompliance.aspx" target="_blank">NCUA Compliance Self-Assessment Manual</a></em></li> <li><em class="style2"><a href="http://www.ncua.gov/GenInfo/GuidesManuals/examiners_guide/examguide.aspx" target="_blank">NCUA Examiner&rsquo;s Guide</a></em></li> <li><em class="style2"><a href="http://www.occ.treas.gov/handbook/assetmgmt.pdf" target="_blank">OCC Comptroller&rsquo;s Handbook &mdash; Asset Management</a></em></li> <li><em class="style2"><a href="http://www.occ.gov/handbook/cbs.pdf" target="_blank">OCC Comptroller&rsquo;s Handbook &mdash; Community Bank Supervision</a></em></li> <li><em class="style2"><a href="http://www.occ.treas.gov/handbook/cms.pdf" target="_blank">OCC Comptroller&rsquo;s Handbook &mdash; Compliance</a></em></li> <li><em class="style2"><a href="http://www.ffiec.gov/ffiecinfobase/resources/audit/occ-comptr_handbook_large_bank_superv.pdf" target="_blank">OCC Comptroller&rsquo;s Handbook &mdash; Large Bank Supervision</a></em></li> <li><em class="style2"><a href="http://www.occ.treas.gov/moneylaundering2002.pdf" target="_blank">OCC Money Laundering: A Banker&rsquo;s Guide to Avoiding Problems</a></em></li> <li><em class="style2"><a href="http://www.ots.treas.gov/docs/7/74808.pdf" target="_blank">OTS Examination Handbook</a></em></li> </ul> <h2 class="style2">Other Materials</h2> <p class="style2"><strong>Federal Financial Institutions Examination Council (FFIEC)</strong></p> <p class="style2">The FFIEC&rsquo;s Web site (<a href="http://www.ffiec.gov/" target="_blank">www.ffiec.gov</a>) includes the following information:</p> <ul> <li><a href="http://www.ffiec.gov/bsa_aml_infobase/default.htm" target="_blank">BSA/AML Examination Manual InfoBase</a>.</li> <li><a href="http://www.ffiec.gov/ffiecinfobase/html_pages/it_01.html" target="_blank"><em>Information Technology Handbook</em>InfoBase</a>.</li> </ul> <p class="style2"><strong>U.S. Government</strong> </p> <p class="style2">Interagency U.S. Money Laundering Threat Assessment (MLTA) (December 2005)</p> <p class="style2">The MLTA is a government-wide analysis of money laundering in the United States. The MLTA offers a detailed analysis of money laundering methods, ranging from well-established techniques for integrating dirty money into the financial system to modern innovations that exploit global payment networks as well as the Internet. (<a href="http://www.treas.gov/press/releases/reports/js3077_01112005_MLTA.pdf" target="_blank">www.treas.gov/press/releases/reports/js3077_01112005_MLTA.pdf</a>)</p> <p class="style2"><strong>Financial Crimes Enforcement Network (FinCEN) </strong></p> <p class="style2">FinCEN&rsquo;s Web site (<a href="http://www.fincen.gov/" target="_blank">www.fincen.gov</a>) includes, among a range of other material and information, the following:</p> <ul> <li>BSA Statutory Material, BSA Regulations, and <em>Federal Register</em> Notices  Links to legislation and regulations, as well as to proposed regulations.</li> <li>BSA Forms &mdash; Links to BSA reporting forms and corresponding preparation and filing instructions. </li> <li>BSA Guidance &mdash; FinCEN issues interpretations of BSA regulations as well as guidance to financial institutions on complying with the same.</li> <li>Reports &mdash; FinCEN periodically initiates and develops reports and publications covering AML issues, including the SAR Activity Review.</li> <li>Advisories &mdash; FinCEN issues advisories to financial institutions concerning money laundering or terrorist financing threats and vulnerabilities, for the purpose of enabling financial institutions to guard against such threats.</li> <li>Enforcement actions &mdash; FinCEN issues releases involving the assessment of civil money penalties against financial institutions for systemic noncompliance with the BSA. </li> </ul> <p class="style2"><strong>Basel Committee on Banking Supervision (BCBS)</strong></p> <p class="style2">The BCBS Web site (on the Bank for International Settlements&rsquo; Web site, <a href="http://www.bis.org/" target="_blank">www.bis.org</a>) includes the following publications:</p> <ul> <li>Due Diligence and Transparency Regarding Cover Payment Messages Related to Cross-Border Wire Transfers</li> <li>Consolidated Know Your Customer Risk Management </li> <li>Sharing of Financial Records Between Jurisdictions in Connection with the Fight Against Terrorist Financing</li> <li>General Guide to Account Opening and Customer Identification</li> <li>Customer Due Diligence for Banks</li> <li>Prevention of Criminal Use of the Banking System for the Purpose of Money-Laundering</li> <li>Banking Secrecy and International Cooperation in Banking Supervision</li> </ul> <p class="style2"><strong>Financial Action Task Force on Money Laundering (FATF)</strong></p> <p class="style2">FATF&rsquo;s Web site (<a href="http://www.fatf-gafi.org/pages/0,2987,en_32250379_32235720_1_1_1_1_1,00.html" target="_blank">www.fatf-gafi.org</a>) includes the following publications:</p> <ul> <li>Forty Recommendations to Combat Money Laundering and Terrorism </li> <li>Special Recommendations Against Terrorist Financing </li> <li>Interpretive Notes to FATF Recommendations </li> <li>Noncooperative Countries or Territories </li> <li>Typologies on Money Laundering Risk </li> <li>Trade Based Money Laundering </li> <li>New Payment Methods </li> <li>The Misuse of Corporate Vehicles, Including Trust and Company Service Providers </li> <li>Complex Money Laundering Techniques &mdash; Regional Perspectives Report </li> </ul> <p class="style2"><strong>The Clearing House Payments Co., LLC </strong></p> <p class="style2">The Clearing House s Web site (<a href="http://www.theclearinghouse.org/" target="_blank">www.theclearinghouse.org</a>)<span class="style9"> </span>includes this publication:</p> <ul> <li>Guidelines for Counter Money Laundering Policies and Procedures in Correspondent Banking</li> </ul> <p class="style2"><strong>NACHA &mdash; The Electronic Payments Association (NACHA) </strong></p> <p class="style2">NACHA&rsquo;s Web site (<a href="http://www.nacha.org/" target="_blank">www.nacha.org</a>) includes the following:</p> <ul> <li>&quot;The Next Generation ACH Task Force: Future Vision of the ACH Network&quot; </li> <li>NACHA Operating Rules </li> </ul> <p class="style2"><strong>The Wolfsberg Group</strong></p> <p class="style2">The Wolfsberg Group&rsquo;s Web site (<a href="http://www.wolfsberg-principles.com/" target="_blank">www.wolfsberg-principles.com</a>) includes the following:</p> <ul> <li>Wolfsberg AML Principles on Private Banking </li> <li>Wolfsberg Statement on the Suppression of the Financing of Terrorism </li> <li>Wolfsberg Statement on Payment Message Standards </li> <li>Wolfsberg AML Principles for Correspondent Banking </li> <li>Wolfsberg Statement on Monitoring, Screening, and Searching </li> <li>Wolfsberg Guidance on Risk Based Approach for Managing Money Laundering Risks </li> <li>Wolfsberg FAQs on Correspondent Banking </li> <li>Wolfsberg Trade Finance Principles</li> <li>Wolfsberg Statement on AML Screening, Monitoring and Searching 2009</li> </ul> <p class="style2">&nbsp;</p> <p align="right" class="style2"><a href="OLM_102.htm">Backward</a> | <a href="manual_online.htm"> Table of Contents</a> | <a href="OLM_104.htm">Forward</a></p> <!-- InstanceEndEditable --></div></td> <td width="10">&nbsp;</td> </tr> <tr> <td height="30" colspan="5">&nbsp;</td> </tr> </table></td> </tr> <tr> <td><img src="../media/int-up/spacer.gif" WIDTH="110" HEIGHT="1" ALT=""></td> <td><img src="../media/int-up/spacer.gif" WIDTH="129" HEIGHT="1" ALT=""></td> <td><img src="../media/int-up/spacer.gif" WIDTH="79" HEIGHT="1" ALT=""></td> <td><img src="../media/int-up/spacer.gif" WIDTH="54" HEIGHT="1" ALT=""></td> <td><img src="../media/int-up/spacer.gif" WIDTH="74" HEIGHT="1" ALT=""></td> <td><img src="../media/int-up/spacer.gif" WIDTH="51" HEIGHT="1" ALT=""></td> <td><img src="../media/int-up/spacer.gif" WIDTH="73" HEIGHT="1" ALT=""></td> <td><img src="../media/int-up/spacer.gif" WIDTH="33" HEIGHT="1" ALT=""></td> <td><img src="../media/int-up/spacer.gif" WIDTH="117" HEIGHT="1" ALT=""></td> </tr> </table> </body> <!-- InstanceEnd --></html>