美国对美国银行处以超过US$1.21 billion罚款，涉及涉华可疑洗钱交易
Bank of America fined US$1.21 billion as US flags suspected Chinese money laundering
美国监管机构宣布对美国银行处以超过US$1.21 billion罚款，称该行未及时报告数亿美元带有中国洗钱网络迹象的可疑交易。FinCEN表示，涉案交易包括汇往中国交易对手的大额电汇、在大型零售商和运输公司的重复信用卡消费，以及缺乏明显商业目的的第三方信用卡付款。
这项处罚把涉华可疑交易调查与银行更广泛的反洗钱及制裁合规失误放在同一执法行动中，呈现了处罚构成与监管关注范围。
Bank of America, the second-largest US bank, failed to promptly report hundreds of millions of dollars in suspicious transactions bearing signs of Chinese money-laundering networks, US regulators said on Tuesday, announcing more than US$1.21 billion in penalties for broader anti-money-laundering and sanctions failures.
The Financial Crimes Enforcement Network, or FinCEN, said the activity included large wire transfers to counterparties in China, repeated credit-card purchases at major retailers and shipping companies, and payments towards cards held by third parties without an apparent commercial purpose.
Most of the suspected network activity involved a group of customers purporting to operate in logistics or electronics, according to a consent order. The agency said their transaction patterns were inconsistent with legitimate commercial activity for those businesses.
The China-related findings form part of a wider enforcement action against the second-largest US bank. FinCEN imposed a US$1.2 billion penalty, against which it will credit a US$750 million payment to the Office of the Comptroller of the Currency (OCC).
来源：南华早报 · scmp.com