چکیده:
Money laundering is a process that hides the origin of money obtained through illegal activities (drug trafficking, corruption, embezzlement, gambling, etc.) and creates a legal origin instead. Money obtained through criminal activities is dirty money. The duties of banks and financial and credit institutions in fighting the crime of money laundering briefly include documenting the flow of funds and making them traceable, reporting suspicious transactions, collecting and processing information, maintaining documents and records, internal information exchange, and information exchange with other countries. Given the importance of this issue and the necessity of fighting it, in the present article, we intend to address the foundations and principles of banks and financial and credit institutions' fight against money laundering in Iran. The research method is analytical-descriptive, and the tool for collecting information and data is note-taking.
خلاصه ماشینی:
Foundations and Principles of the Fight by Banks and Financial and Credit Institutions against Money Laundering in Iran (Date Received 02/12/1402 Date Approved 29/12/1402) Dr. Amirhossein Soleiman Fallah Recipient of the Top Researcher Statue from the Ghanun Yar Institute in the year 1402 Abstract Money laundering is a process that hides the origin of money obtained through illegal activities (drug trafficking, corruption, embezzlement, gambling, etc.
The duties of banks and financial and credit institutions in combating the crime of money laundering briefly include documenting the flow of funds and making them traceable, reporting suspicious transactions, collecting and processing information, maintaining documents and records, internal information exchange, and information exchange with other countries.
The process of verifying the customer's identity can be described as follows: - Obtaining valid official identity documents from the customer at the time of opening an account and providing service, - Verifying the source of funds for opening accounts with high amounts, - Identifying the beneficial owners of the account, - Paying attention to the proximity of the customer's place of residence or workplace to the bank or credit institution being visited, Know Your Administration Know Your Business Know Your Customer Know Your Employee - Verifying the customer's place of residence or workplace by inquiry or questioning municipal service entities (telecommunications, water, or electricity), - Collecting sufficient information regarding the customer's profession in order to assess and match the customer's account turnover with their type of economic activity, - Controlling and verifying the acting banks depositing funds into the customer's account, B) Process of identifying legal entities 1 Since the risk of legal entities is much higher than that of natural persons, it is necessary that the regulations of banks and credit institutions for identifying legal customers be more stringent than the regulations governing the identification and verification of natural customers.
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