Pautas Generales
Intermex ha desarrollado un programa escrito para asegurar el cumplimiento con la ley del Acta de Sigilo
Bancario, Titulo III, incluyendo el Acta Patriota del 2001y las enmiendas a sus regulaciones y leyes
Federales. Estas leyes aseguran penalidades severas a personas que participan en una violación de la 31 Parte
103 CFR, que cubre Transacciones Monetarias. Este Programa en particular se aplica a todas Agencias de
Intermex y/o Representantes.
Objetivo
La Junta Directiva de Intermex reconoce la necesidad de la regulación de transacciones monetarias grandes y
los requisitos de guardar otros registros, y ha adoptado la siguiente política:
Política
Es la política de Intermex cumplir con las exigencias del Acta de Sigilo Bancario (BSA), el Acta Patriota de
los Estados Unidos del 2001, todas las regulaciones del Departamento de la Tesorería y el Servicio de
Ingresos Internos (IRS). Por lo tanto, Intermex ha establecido un sistema de controles internos para asegurar
el reporte oportuno y apropiado de todas las transacciones monetarias superiores a $10,000 dólares durante
cualquier día dado, por o de parte de, cualquier individuo, y mantendrá archivos de todos los instrumentos
monetarios vendidos por cantidades de $3,000 dólares a $10,000 dólares.
Por otro parte, Intermex implementa más controles mediante la aplicación de requerir identificación por
monto de dinero enviado a determinados países. El monto establecido es de $1,000 dólares a Colombia y
$2,000 dólares a otros países. Además, estos controles exponen en detalle los procedimientos para identificar
transacciones monetarias múltiples hechas por o en nombre de cualquier persona durante cualquier día dado,
que, cuando se suman exceden los montos requeridos para reportar, así como actividades sospechosas que
requerirían la presentación de un Reporte de Actividad Sospechosa (SAR-MSB) al gobierno.
El Departamento de la Tesorería ha determinado que estos archivos y reportes son muy importantes para
investigaciones criminales, cobro de impuestos y asuntos regulatorios.
Intermex ha puesto en práctica filtros (OFAC), de la Oficina del sistema de Control de Activos Extranjeros a
fin de descubrir casos del lavado de dinero por individuos y entidades designadas como riesgosos y
peligrosos por OFAC. Además, Intermex ha puesto en práctica filtros internos basados en características de
transacciones e individuos para establecer una política de seguimiento apropiado, específico y debidamente
enforzado en sus procedimientos para descubrir y proteger a la corporación contra el lavado de activos.
Control Regulador
Como parte de su compromiso de asegurar el cumplimiento, Intermex ha designado al Sr. José A. Pérez como
Jefe Oficial de Cumplimiento del Acta de Sigilo Bancario y Programas de Anti-lavado. El Oficial es
responsable de la coordinación y el monitoreo de la conformidad cotidiana con el Acta de Sigilo Bancario y
otras regulaciones pertinentes. El Oficial también se asegurará que todos los empleados de Intermex y agentes
sean entrenados bajo las exigencias del Acta de Sigilo Bancario, así como las enmiendas recientes proscritas
por el Acta Patriota de los Estados Unidos del 2001 y todas otras regulaciones aplicables.
Penalidades
Hay penas criminales y civiles sustanciales, incluso multas y encarcelamiento; esto debido al fallo de cumplir
con el Acta de Sigilo Bancario (BSA), Acta Patriota de los Estados Unidos de 2001 y por violación del los
estatutos criminales del lavado de dinero.
Rev 030510 1
El Acta de Sigilo Bancario (BSA) esta respaldada por el Ministerio de Hacienda de Los Estados Unidos y es
la pieza central reguladora del esfuerzo en contra del lavado de dinero de los Estados Unidos. Esta es una ley
separada y distinta a las leyes de lavado de dinero encontradas en el código penal de los Estados Unidos en el
Título 18 del Código Federal. La provisión del BSA cubre cada tipo de institución financiera, incluso
transmisores de dinero. Además, el Ministerio de Hacienda tiene la autoridad para designar como “una
institución financiera” cualquier negocio “cuyas transacciones en efectivo tienen un grado alto de la utilidad
en criminalidad, impuestos, o asuntos reguladores.”
El BSA le da al Ministerio de Hacienda un amplio mandato para publicar regulaciones y poner en práctica
sus provisiones. Conforme a las enmiendas añadidas por el Acta Patriota de los Estados Unidos de 2001, el
objetivo del BSA ha sido implementado para incluir “en la conducta de inteligencia o actividades de
contraespionaje, incluso análisis, para proteger contra el terrorismo internacional.” (Título 31, Segundo de
USC. 5311 y 5312 (a) (2).
Para el 23 de julio de 2002, las instituciones financieras deben aplicar “apropiadamente, específicamente y
donde debida diligenciarealzada sea necesaria” para todas las cuentas privadas de corresponsales
internacionales. Este será requerido para cuentas bancarias correspondientes (comúnmente bancos que no
conducen negocios con el dinero de aquella jurisdicción donde ellos son licenciados y existen). La diligencia
debida también se aplica a bancos de jurisdicciones específicas “que no cooperan en el esfuerzo internacional
para combatir el lavado de dinero. ’
Lo siguiente es un resumen general de obligaciones de conformidad adicionales para el dinero que transmite
el negocio como mandato del Acta Patriota de los Estados Unidos de 2001;
1- Respuesta dentro de 120 horas a peticiones de un regulador bancario para archivos acerca del
cumplimiento contra el lavado de dinero o transacciones de cliente
El Departamento de Cumplimiento de Transferencia de giros de Intermex, está listo para cumplir con
cualquier petición de autoridades regulación apropiadas de los bancos.
Rev 030510 2
Como ya mencionado, Intermex requiere la prueba de identificación e información biográfica con el fin
de procesar una transacción. Los archivos de transacciones altas son documentados y archivados
según regulaciones federales y estatales. Además, Intermex consulta la Oficina del Control de Activo
Extranjero (OFAC), “LISTA de OFAC” para prevenir que nuestros servicios no sean utilizados por
terroristas sospechosos.
4 - Se requiere que instituciones financieras se adhieran a las nuevas regulaciones diseñadas para alinear las
relaciones entre la industria de servicios financiera. Las regulaciones forzarán a las instituciones financieras,
entidades reguladoras y representantes de la ley a facilitar y compartir información de individuos o
entidades.
Intermex estará listo para poner en práctica cualquier nueva regulación para facilitar el intercambio
de información para luchar contra el problema global del lavado de dinero.
5- Las instituciones financieras deben poner en práctica o crear nuevos procedimientos de cumplimiento
prácticos y corrientes; un proceso de formación educativo bien aconsejado con programas de conformidad
comprensibles y poderosos para todos los empleados es encomendado ahora según la ley.
Intermex tiene un Oficial de BSA y Regulador de Cumplimiento que actualizará el programa BSA y los
procedimientos del Acta Patriota de los Estados Unidos del 2001 de una forma regular para codificar
nuevas enmiendas. Este manual ayudará a Intermex a permanecer conforme al Acto de Lavado de
Dinero y otras regulaciones federales y estatales que están relacionadas con transmisores de dinero y
vendedores de instrumentos monetarios. Además, el Oficial de Cumplimiento investigará y hará
seguimiento a todas las cuestiones reguladoras y leyes a fin de proteger Intermex de ser usado por
cualquier actividad ilegal. El Oficial de Cumplimiento mantendrá y requerirá la información de todo el
personal de la compañía y los agentes de Intermex.
En caso del incumplimiento por una institución financiera, § 363 del Acta Patriota permite que el Secretario
de la Tesorería imponga a cualquier institución financiera que viola ciertas secciones enumeradas una pena
monetaria de hasta dos veces la cantidad de la transacción, no mayor de un millón de dólares. Esta pena civil
es complementada por una pena criminal codificada como 31 USC § 5322 (d) que permite al gobierno
imponer una multa de hasta dos veces la cantidad de la transacción por violaciones criminales del acto.
6- Las instituciones financieras deben proveer entrenamientos y/o educación a su personal y agentes
autorizados.
Intermex impartirá periódicos entrenamientos a sus empleados y agentes autorizados para asegurar
que la compañía este en cumplimiento con la regulación federal y estatal con el propósito de prevenir el
lavado de dinero y financiamiento terrorista.
7- Las instituciones financieras deben implementar una revisión independiente para monitorear y mantener un
adecuado programa contra el lavado de dinero.
Intermex ha implementado un proceso de revisión independiente, como requerido por el Acta Patriota
de los Estados Unidos Titulo 31 CFR 103.125. Esta revisión esta diseñada para evaluar y determinar
que la política, procedimientos y controles internos de Intermex son efectivos y aseguran el
cumplimiento con la ley y las regulaciones. La frecuencia de la revisión será una vez por año.
Rev 030510 3
La Oficina del Control de Activos Extranjeros (OFAC) del Departamento del Tesoro administra y aplica
sanciones económicas basadas en la política exterior de los Estados Unidos y de seguridad nacional que atacan
ciertos gobiernos, grupos terroristas, narcotraficantes internacionales y todos aquellos que estén tras el desarrollo
de armas de destrucción en masa.
Intermex ha implementado un sistema de filtros OFAC que protege a la empresa de los individuos que son
específicamente designados como personas o entidades bloqueadas que el gobierno de los Estados Unidos considera
peligroso y ha decidió sancionar.
Todas las transacciones de envío pasan a través del filtro, ya sea al entrar o salir de los Estados Unidos. El sistema
de OFAC inmediatamente detecta una similitud y transfiere la transacción a un archivo especial que es revisado por
el Departamento de Cumplimiento. Por consiguiente, el Departamento de Cumplimiento utiliza un sistema de
rastreo OFAC independiente donde la posible similitud es examinada contra la información detallada, incluyendo
homónimos que se mantienen en la base de datos del gobierno.
Si la similitud resulta negativa, la transacción será procesada inmediatamente, y el envío llegara a su destino. Si el
sistema detectara una persona bloqueada, Intermex deberá bloquear la transacción y seguir los reglamentos y
regulaciones estipuladas por la Oficina del Control de Activos Extranjeros. Tres de los más importantes son como
sigue: 1) Cualquier transacción que ha sido bloqueada o rechazada debe ser reportada a OFAC dentro de diez días
laborales; 2) Un informe anual de toda propiedad bloqueada al 30 de junio deben enviarse antes del 30 de
septiembre de cada año; 3) OFAC requiere la retención de todos los informes y archivos de transacción bloqueados
o rechazados durante cinco años.
Intermex monitorea cambios en la lista de ciudadanos, especialmente designados o personas bloqueadas por la
Oficina del Control de Activo Extranjero. El sistema de Intermex automáticamente recupera, cada día, la última
versión de la lista de OFAC de la página de internet del Departamento del Tesoro de los Estado Unidos. Esta por su
parte es usada para actualizar nuestra lista y filtro interno. Diarias actualizaciones se realizan a las 5 A.M., y
consisten en actualizar cualquier nuevo desarrollo de política en cuanto a OFAC así como cambios a la lista maestra
de ciudadanos especialmente designados y personas bloqueadas.
Además de filtrar todas las transacciones de dinero, nombres de individuos que compran money orders que suman
$3,000 o más son filtrados contra la lista de OFAC por posibles similitudes.
Intermex también ha implementado una política y procedimientos para filtrar a través de la lista de OFAC al nuevo
personal de Intermex antes de ser empleados. Asimismo, nombres de prospectos agentes autorizados y directores,
y/o dueños de corresponsales extranjeros son filtrados antes de firmar acuerdos contractuales con Intermex. Estos
procedimientos son repetidos periódicamente para actualizar registros internos y descartar posibles similitudes
contra la lista de OFAC.
Rev 030510 4
Clientes
Intermex es conciente que la aplicación de la política de "Conocer a Su Cliente” es uno de los medios más
eficaces de prevenir la exposición a clientes potenciales que tienen la intención de usar nuestros servicios
financieros para objetivos ilícitos. Los objetivos específicos de esta Política son:
• Demostrar nuestra buena voluntad y nuestro alto nivel de competencia de servicio al cliente.
Es la Política de Intermex usar “esfuerzos razonables” para averiguar la identidad verdadera de clientes
individuales y/o el objetivo comercial indicado de cada empresa comercial que solicita hacer transacciones
comerciales con Intermex. Intermex se compromete a este principio con una serie de procedimientos
establecidos para este fin.
1. Someter un Certificado de Incorporación u otra autorización aplicable para conducir un negocio bajo el
nombre comercial
2. Someter una lista de propietarios del negocio y proporcionar un comprobante de propiedad de entidad o
negocio. En el caso de que sea un solo propietario, será requerido comprobante de propiedad de la
entidad o negocio u otra documentación aplicable.
3. Someter documentación del arriendo del local, donde el agente conducirá el negocio. En caso que el ser
dueño de la propiedad comercial, un documento de la propiedad será solicitado.
Rev 030510 5
2. Búsqueda de Archivos Públicos para historial de juicios, embargos preventivos y otros artículos legales.
4. OFAC
Una vez que el agente es aprobada Intermex conducirá los procedimientos siguientes para asegurar el
cumplimiento apropiado con regulaciones de Anti-lavado de dinero, Acta de Sigilo Bancario y otras
exigencias que se aplican al agente como institución financiera.
1. Conducir el entrenamiento del agente y sus empleados sobre el Acta de Sigilo Bancario y otras
obligaciones de Anti-lavado de dinero que corresponden al agente.
2. Entrenar nuevamente a los Agentes y sus empleados que muestran debilidad en la aplicación de política y
procedimientos de cumplimientos establecidos.
3. Cancelar agentes que han demostrados fracaso en seguir las políticas de Cumplimiento Federal, Estatal, o
institucional y sus procedimientos
4. Reportar cualquier caso de Actividad Sospechosa que implica al agente al Departamento Estadounidense
de la Tesorería
Intermex se reserva el derecho de terminar a un agente por desobedecer con las políticas de cumplimiento
institucionales de cualquier ley de Anti-lavado de dinero y procedimientos, o violación de cualquier sección
del Acuerdo de Agencia. Sobre el descubrimiento de cualquiera de las violaciones ya mencionadas, Intermex
expedirá una carta de terminación al agente documentando los motivos de la terminación. Esta carta también
servirá como aviso al agente para hacerles saber que ya no estarán autorizados a proporcionar servicios de
Intermex o usar cualquier material de Intermex para solicitar negocio.
Rev 030510 6
DILIGENCIA DEBIDA
2. Copia de última inspección de cumplimiento por una agencia del gobierno supervisora, o copia de
una auditoria de cumplimiento externo.
Rev 030510 7
Intermex ha preparado esta guía de posible lavado de dinero como un instrumento para Agentes y/o
Representantes para identificar transacciones y/o individuos que pueden parecer sospechosos.
Cualquier transacción que parece ser sospechosa NO debe ser completada y debe ser inmediatamente
transferida al Oficial de Cumplimiento de Intermex, por teléfono y confirmada por fax o correo. Además, si la
transacción o la actividad parece representar estructuración con el propósito de evadir el reporte de Acta de
Sigilo Bancario (BSA) o registro que guarda información, y como detallado en Intermex’ “Informes de
Transacción Monetarios – Programa de Cumplimiento”, hay una causa de creer que esto es un posible lavado
de dinero u otra actividad criminal o extraña, la transacción debe ser reportada como una Transacción
Sospechosa a la agencia del gobierno apropiada. Por favor refiérase al Programa de Cumplimiento de
Intermex para archivar la información. Si un SAR es archivado, una copia debe ser enviada al Oficial de
Cumplimiento de Intermex.
Estos ejemplos de posible actividad criminal deben ser accesibles y explicados a fondo a todos los
empleados de los Agentes
Rev 030510 8
El Departamento de Tesorería requiere que Intermex, y/o sus Agencias y Representantes archiven un informe
por cada transacción que implique una cantidad de dinero de más de 10,000 dólares. Esta forma es usada
para reportar transacciones monetarias en efectivo:
• Propósito de CTR
El objetivo principal de reportar transacciones monetarias es para proporcionar a las agencias de la ley un
modo de rastrear y prevenir de aquellos envueltos en actividades financieras ilegales de usar Intermex para
lavar dinero en efectivo obtenido ilegalmente de la venta de drogas, mercancía robada, juego de azar, etc.
Este no implica que las transacciones en efectivo de más de $10,000 dólares sean ilegales; la mayor parte de
transacciones más de 10,000 dólares en dinero efectivo son hechas por motivos legítimos. El hecho que se
requiere un CTR no refleja la legalidad de la transacción o el carácter del individuo que inicia la transacción.
• Usos de un CTR
Se requiere que Intermex reporte todas las transacciones monetarias que implican más de $10,000 dólares por
o para cualquier persona en un mismo día. Transacciones monetarias múltiples en la misma jornada laboral
deben ser tratadas como una sola transacción; si la institución tiene el conocimiento que ellos son por y/o para
la misma persona. Para reportar, debe haber una transferencia física de dinero en efectivo de una persona a
otra.
Una transacción, sea una transferencia de fondos por medio de cheque, letra bancaria, u otra orden escrita, y
no incluye la transferencia física del dinero, no es una transacción reportable.
1. Un cliente remite o recibe más de $10,000 dólares en dinero efectivo de una o varias fuentes en un día
laboral.
2. El cliente desea cambiar más de $10,000 dólares en efectivo por billetes de menor o mayor cantidad
3. El cliente realiza varias transacciones en efectivo que dan un total de $10,000 en un mismo día laboral
Rev 030510 9
Intermex tratará transacciones monetarias múltiples como una sola transacción; si Intermex tiene el
conocimiento de que son por o de parte de una persona y exceden $10,000 dólares en cualquier día laboral.
Siempre y cuando un empleado tenga el conocimiento de transacciones múltiples por o para una persona, esta
información constituirá conocimiento en representación de Intermex. Esfuerzos razonables deberían ser
hechos para identificar todas agregaciones de transacción múltiples que exceden $10,000 dólares, y es, por lo
tanto, transacción reportables.
• Instrumentos monetarios
Como requerido por el Acta de Secreto Bancario (BSA), Intermex mantendrá por un periodo de cinco (5)
años un Registro de Instrumentos Monetarios por la venta de instrumentos monetarios como giros postales y
cheques viajeros que implican dinero en cantidades de 3,000 dólares a 10,000 dólares inclusive. Por esta
razón, la forma de Intermex “High Transaction Form/Money Order Log” será llenada y presentada en una
manera oportuna con la siguiente información.
La compra de los mismos tipos o diferentes instrumentos de un total $3,000 dólares o más debe ser tratado
como una transacción, cuando hay conocimiento de ventas múltiples y presentar forma correspondiente.
Para transacciones de mas de $10,000 en efectivo la forma CTR FinCen Forma 104 será completada.
Rev 030510 10
1. Un Informe de Agente en Sospecha, que muestra bloques de instrumentos monetarios vendidos al mismo
cliente dentro de una cantidad corta del tiempo debe ser preparado y dado al oficial de cumplimiento
diariamente para la revisión.
2. Si el agente no ha proporcionado una forma interna Intermex 1025 o el High Transaction Log, la agencia
será llamada y cuestionada en cuanto a si el mismo cliente compró los instrumentos monetarios.
3. En caso de ser el mismo cliente, las formas correspondientes son solicitadas inmediatamente.
4. En el instante que la agencia informa a Intermex que clientes diferentes compraron los giros postales,
Intermex investigará los instrumentos monetarios al final de mes después de que se haya procesado el
pago. La investigación se concentrará, si la misma persona recibió los giros postales. Si se verifica que el
mismo individuo presentó los giros postales a cobrar, la agencia recibirá la primera de dos advertencias
escritas por parte del oficial de cumplimiento, basado en el fallo de cumplir con regulaciones federales así
como citación del acuerdo de apertura de Agencia. Sobre la segunda violación, Intermex terminará la
relación con el derecho concedido al acuerdo en el momento de apertura de agencia.
• Transferencias
Por cada transferencia de dinero recibida por Intermex, la información requerida por las regulaciones que
ponen en práctica el Acta de Sigilo Bancario, se obtendrá y archivara en la manera requerida y por un período
de 5 años. Adicionalmente, para cada transferencia de dinero iniciada desde el Estado de Oklahoma por
$1,000 o más, Intermex mantendrá toda la información requerida por lo menos por un periodo de 3 años así
como lo estipula el Departamento de Banca del Estado de Oklahoma. Toda información será registrada en la
Forma de Intermex 1025 presentada en el momento del pago de la transmisión u orden de transmisión,
adjunto con una identificación válida.
Una copia de identificación valida se mantendrá en los archivos junto con la siguiente información
Todo registro requerido y guardado, como encomendado por el Acta de Sigilo Bancario por transacciones
monetarias se aplican a transferencias de dinero. Un reporte para transacciones en efectivo entre $3,000
dólares y $10,000 dólares inclusive será conservado, y un CTR será llenado para todas las transacciones en
efectivo de más de $10,000 dólares. Los Informes de Actividad Sospechosos (SAR) serán archivados de
acuerdo con las pautas proporcionadas bajo los términos aquí establecidos
Rev 030510 11
Se requiere que Intermex archive un Reporte de Actividad Sospechosa (SAR-MSB) para transacciones que
agregan $2,000 dólares o mas, que implican Lavado de dinero potencial o violaciones del Acta de Sigilo
Bancario. Cualquier transacción conducida, o que intenta, o por medio de Intermex e implique una
agregación de $2,000 dólares o más en fondos u otros activos, si Intermex sabe, sospecha, o tiene razón de
sospechar que:
2. La transacción es diseñada para evadir cualquier regulación promulgada conforme al Acto de Sigilo
Bancario.
El Acta de Sigilo Bancario requiere la clasificación de un Reporte de Transacción Monetario (CTR) siempre
que una transacción monetaria exceda $10,000 dólares. Si una transacción monetaria excede $10,000 dólares
y es sospechosa, ambos un CTR y un SAR (Reporte de Actividad Sospechosa) debe ser archivado. Si la
transacción sospechosa iguala o es menor de $10,000 dólares, sólo un SAR debería ser archivado.
1. Un cliente reduce una transacción en efectivo de $15,000 dólares a $9,000 dólares después de que
usted informa que un CTR debe ser archivado.
2. Un pequeño negocio local hace transacciones entre $9,000 dólares y $9,500 dólares en el dinero
efectivo cada día, y usted sabe que el negocio no genera esa cantidad de efectivo. Un cliente, que
usted conoce o sospecha esta implicado en un negocio ilegal hace transacciones de $9,500 dólares en
dinero efectivo varias veces por semana.
3. Dos o más individuos, que están obviamente juntos, conducen transacciones en efectivo por menos
de 10,000 dólares, cada uno.
4. Un cliente cambia pequeñas cuentas de denominación ($5, $10s, $20s) para cuentas de
denominación grandes ($50s, los años $100).
6. Un cliente inicia un número grande de giros que no son consecuentes con el uso ordinario de su
dinero
Cualquier transacción en efectivo de $2,000 dólares o mas que parezca sospechosa debe ser reportada con un
SAR Fincen Form 109(Reporte de Actividad Sospechosa) a la dirección postal siguiente, o como realizado
por Intermex via electrónica a http://bsaefiling.FinCEN.treas.gov/main.html
Rev 030510 12
Ejemplos:
Juan Gracia lleva $2,000 dólares en efectivo y pide enviar el dinero a Carmen Vera en Colombia.
Al día siguiente Sr. Gracia lleva $2,000 dólares en efectivo y pide enviar el dinero a Jorge Vera
en Colombia. Juan Gracia puede intentar evadir el Registro de Transferencia Monetaria de BSA
de registros que se conservan. Si el Agente determina que Sr. Gracia estructura transacciones, él o
ella no debe completar la transacción. Además, el Agente debe seguir los procedimientos para
manejar transacciones sospechosas.
El Agente ve que Donna Green y Sue Smith entran en la Agencia juntos y hablando el uno con el
otro. Cada uno entrega menos de 10,000 dólares en dinero efectivo y piden enviar el dinero a
Canadá. Las órdenes solicitadas de Sra. Green y Sra. Smith van a Andrew White con un total de
más de $10,000 dólares. Donna Green y Sue Smith pueden intentar evadir los reportes de
exigencia del CTR. Si el Agente determina que la Sra. Green y la Sra. Smith estructuran
transacciones, él o ella no deben completar las transacciones. Además, el Agente debe seguir los
procedimientos para manejar transacciones sospechosas.
Es también un delito Federal para cualquier persona comprometida a sabiendas en cualquier transacción
comercial o financiera o transporte internacional o transmisión de fondos con los beneficios de tráfico de
drogas u otra actividad criminal. El conocimiento puede ser probado demostrando que la persona fue “ciego
voluntariamente” “o deliberadamente indiferente” a la fuente o el origen de los fondos.
Ejemplos:
Jack King lleva $49,500 dólares en efectivo y pide enviarlos a su madre en Europa. Él comenta
que él ha obtenido el dinero vendiendo drogas y quiere compartirlo con su madre. El Agente tiene
el conocimiento que los fondos usados para la transferencia son beneficios del tráfico de drogas.
Como el Agente sabe que los fondos son de fondos criminales, él o ella NO deben completar la
transacción. Además, si el Agente completa la transacción que él o ella saben o sospecha que
pueden implicar los beneficios de tráfico de drogas u otra actividad criminal, él o ella pueden ser
culpables de Lavado de dinero.
Mark Lee está desempleado. Él pide enviar $15,000 dólares a su padre en Asia. Como esta es una
transacción sospechosa, el Agente debe preguntar al Sr. Lee sobre la fuente de los fondos. Sólo si
el Agente está totalmente satisfecho de que los fondos sean legítimos, puede él o ella completan la
transacción. Si el Agente no hace las preguntas sobre la fuente de los fondos a fin de establecer
que los fondos no son beneficios de la actividad criminal, y los fondos son los beneficios de
tráfico de drogas u otra actividad criminal, puede pensarse que el Agente es voluntariosamente
ciego a la fuente de los fondos. Si el Agente completa la transacción, él o ella pueden ser culpables
del lavado de dinero.
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Después de darse cuenta de una transacción o actividad sospechosa, el Agente debe investigar la situación.
3. Una transacción que es reportada en un SAR también puede requerir el reporte en un CTR, si esto
implica más de $10,000 dólares en efectivo en una jornada laboral.
4. El Agente no DEBE NOTIFICAR a ninguna persona que esta ha sido reportada en un SAR.
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Un Informe de Transacción Monetario (CTR) debe ser diligenciado por el Agente o empleados de la
agencia comprometidos en el procesamiento de una transacción quién recibe o envía un monto superior
a $10,000 dólares en efectivo en un mismo dia. Este informe debe ser archivado en la Forma de 104
FinCen.
Los CTR de FinCen forma 104, serán utilizados y archivados junto con:
Reporte el depósito, el retiro, el cambio de dinero u otro pago o transferencia, por / por medio de Intermex
que implica una transacción de dinero de más de $10,000 dólares (la Sección 103.22 (a) (de 1) de acuerdo al
Registro Financiero de la Tesorería y Reportes monetarios y Regulaciones de Transacciones Monetarias
Extranjeras.
El CTR debe ser completado de acuerdo con las instrucciones gubernamentales dentro de los ya asignados 15
días calendarios después de la creación de la transacción.
Para asegurar el cumplimiento con los requisitos de completar la forma el agente y sus empleados deben:
Asegurar que todas las secciones de la forma estén correctamente y completamente llenas.
Hacer una copia de la identificación que se uso para verificar identidad. (i.e. licencia de
conducir, identificación del estado, pasaporte, tarjeta de residencia), y guardar documentos por 5
años.
Enviar la forma CTR completa, junto con la identificación a la persona designada, Funcionario de
Aprobación, (Dueño de Agencia o Gerente) para verificación y firma de aceptación.
Para asegurar cumplimiento con los requisitos de llenar la forma, el Funcionario de Aprobación, (Dueño de
Agencia o Gerente debe:
Revisar la parte I del CTR, Sección A y/o B, aplicable, contra documentación que se uso para
completar con exactitud la información.
Compare y reconciliar cantidades y tipos de transacción(es) contra documentación en la parte III
Completar y firmar la parte III asegurándose que todos los espacios estén completamente llenos.
Si el envío del CTR se hace por correo, asegúrese de enviarlo dentro de 15 días calendario a la dirección
abajo mencionada, o en 25 días via electrónica a http://bsaefiling.FinCEN.treas.gov/main.html como
realizado por Intermex.
El CTR(s) DEBE ser completada dentro de los 15 días de plazo de la creación del envió. El Funcionario de
Aprobación es responsable de la clasificación oportuna de CTR(s)
Por propósitos de reporte y completacion, múltiples transacciones monetarias realizadas en el mismo día son
identificadas como una sola transacción, si Intermex tiene conocimiento que son realizadas por o en nombre
de la misma persona.
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“Tiene conocimiento” significa que el conocimiento por parte de un oficial, director, o empleado, o
conocimiento por parte de un sistema existente que permite agregar transacciones, será el conocimiento de
Intermex.
CTR(s) por transacciones múltiples que excedan la cantidad de $10.000 dólares deben ser
preparados siguiendo los procedimientos de completacion de CTR en el paso (1) ya mencionado.
3. Instrumentos monetarios.
Ninguna institución financiera, con excepción de un banco, por medio de cada agente, agencia, sucursal u
oficina dentro de los Estados Unidos, puede publicar o vender un cheque o retiro, cheque de caja, cheques
postale o cheque viajero por $3,000 o mas en efectivo amenos de que este mantenga archivos de la
siguiente información, la cual debe ser obtenida por cada emisión o venta de uno o mas de estos
instrumentos a cualquier compra individual, dentro de los $3,000 a $10,000 dls. Compras múltiples por
la misma persona un día laboral debe ser agregado a determinar la cantidad de la transacción.
Nombre
Fecha de compra
Tipo de instrumento
Numero de secuencia de cada instrumento
Cantidad en dólares de cada instrumento
Verificación de identidad del comprador (ver 1 para documentos aceptados).
Para propósitos de conservar registros los siguientes procedimientos deben ser seguidos:
Los agentes de Intermex deben llenar la forma 1025 “High Transaction Form” para giros de
$3,000dls incluyendo cargos+ y enviar a Intermex junto con una identificación requerida,
Guardar un reporte diario de compras entre los $3,000 y $10,000 por o en nombre de un individuo.
Obtener documentos requeridos y guardar copias junto con la forma de transacción alta 1025
Dar copia de Forma y documentos que justifiquen al funcionario de CTR designado para la revisión
en un tiempo oportuno.
Utilizando los procedimientos en el punto 1 para llenar el CTR, el oficial debe revisar esta información y
agregar transacciones múltiples. Una copia del CTR debe ser enviara al Dept. De Cumplimiento de intermex
Cualquier persona que realice una compra de un giro postal en efectivo excediendo el monto de
$10,000 dls requiere completar la forma de FinCen 104- CTR
4. Transferencias de giros
Cada agente, agencia, sucursal u oficina localizada dentro de los Estados Unidos de una institución
financiera u otra que no sea un banco, esta sujeta seriamente a estos requisitos de transferencias de
fondos in cantidades de $3,000 dólares y más.
Cada orden de transmisión realizada en persona que lo acepta como la institución financiera de un cliente,
una institución financiera debe verificar la identidad del cliente, y obtener y retener ya sea la original, la copia
o registro electrónico y debe guardar un reporte con la siguiente información:
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Si la transmisión fue aceptada por la institución financiera del cliente y el no estuvo presente, la institución
financiera del cliente* debe obtener y guardar la información de la persona que esta realizando la orden,
como nombre, dirección y teléfono junto con la copia de una identificación expedida por el gobierno.
Si no tiene documentación física, entonces el número de pasaporte y el país de origen o el número de Alien
de registro de extranjeros es necesario, junto con la copia de la información del método de pago. (Cheque o
tarjeta de crédito) será obtenida por la transmisión de fondos.
La forma 1025 de Intermex y el CTR debe ser llenada y enviada a Intermex antes de procesar la
transacción. Las formas deben venir acompañada de copia de una identificación valida y vigente. Las
formas deben estar completas, legibles, fechadas y firmadas, la copia del CTR debe ser enviada por
medio de fax al Departamento de Cumplimiento Legal de Intermex.
Giros para Colombia de $1,000 o acumulados de $1,000 dls dentro un mismo día también requieren de
la forma 1025 y copia de una identificación.
Todos los giros para otros países con excepción de Colombia tienen un limite de $2,000 o acumulados
de $2000 dls en un periodo de un día.
Aparte de estos limites específicos, Intermex hará un análisis de la frecuencia y montos acumulados de
giros por remitente y beneficiario y podría solicitar Forma 1025, identificación y documentos que
soporten las cantidades enviadas.
Cualquier transacción de dinero que exceda el monto de $10,000 requiere la forma de FinCen 104-CTR
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Intermex esta comprometido a proveer a sus agentes y/o representantes, entrenamientos sobre el Acta de
Sigilo Bancario, Parte 103 – Retención de Registros Financieros y Reportes de Transacciones Monetarias y
Extranjeras, y otras regulaciones federales pertenientes a Lucha Contra el Lavado de Dinero.
Por este motivo, Intermex ha desarrollado una póliza de BSA y ha preparado un programa de cumplimiento
del Acta de Sigilo Bancario que contiene todos los parámetros por la cual Intermex, sus Agentes y/o
Representantes conducirán sus negocios basados en el acuerdo firmado con Intermex
El siguiente entrenamiento, son procedimientos por parte del programa de Cumplimiento de Intermex:
5. Archivos de Entrenamiento.
El agente debe mantener un archive central con los siguientes archivos de entrenamiento y mantener por (5)
años, y tenerlo disponible sobre petición para Intermex, o autoridades gubernamentales de los EE.UU.:
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En el esfuerzo de seguir las reglas y regulaciones del Acta de Sigilo Bancario, Intermex, sus agencias y
representantes de intermex deben seguir las siguientes instrucciones, como aplicable:
Retención de registro:
El Acta de Sigilo Bancario requiere que archivos y documentos de apoyo sean guardados para revisiones
futuras por agencias reguladoras por un periodo de (5) AÑOS. Esta información debe estar guardada de una
manera que sea accesible en un tiempo razonable en caso de una auditoria.
Los archivos pueden consistir en originales, copias o copias de microfilm. Los archivos hechos en el curso
ordinario del negocio pueden ser usados para encontrar estas exigencias. Si no fueron generados por el
cuidado de registro rutinario, los archivos deben estar listos por escrito por el partido(s) que maneja la
transacción (es).
Las reglas del BSA generalmente requiere que información del Acta de Sigilo Bancario sea archivada por un
periodo de 5 anos, amenos que, lo especifique de otra manera, todo cae dentro de estas reglas:
Papeleo – documentos para probar transacciones que sean y no en efectivo de mas de $10,000
Un registro de cada instrucción, consejo o petición, recibido o dada en cuanto a una remesa o
Transferencia de fondos, de más de $10,000 dólares, dentro de o fuera de los Estados Unidos.
Un registro de cada remesa o transferencia de fondos de más de $10,000 dólares a una persona,
cuenta, o lugar, dentro o fuera de los Estados Unidos.
Todos los reportes de instrumentos monetarios originales ($3,000 dólares a $10,000 dólares,
incluido), reportes de transferencia de giros y CTR(s), archivado durante el día y mes, incluso
documentos que acrediten.
Todas las transferencias de giros deben poderse obtener por nombre del remitente, beneficiario o si
la transacción es de parte de un tercero, por el nombre del tercero.
Rev 030510 19
General Guidelines
Intermex has developed a written Anti-Money Laundering program to ensure compliance with the Bank Secrecy
Act, Title III, including all the USA Patriot Act of 2001 amendments to its regulations. Federal laws provides for
severe penalties for persons participating in a violation of 31 CFR Part 103, which covers currency transactions.
This Program particularly applies to all of Intermex Agencies and/or Representatives.
Purpose
The Board of Directors of Intermex understands the necessity for the regulation of large currency transactions and
other record keeping requirements, and has adopted the following policy:
Policy
It is the policy of Intermex to comply with the requirements of the Bank Secrecy Act (BSA), USA Patriot Act of
2001, all regulations of the US Department of the Treasury and the Internal Revenue Service. Therefore, Intermex
has established a system of internal controls to ensure the timely and proper reporting of all currency transactions in
excess of $10,000 on any given day, by or on behalf of any one individual, and will maintain records on all monetary
instruments sold for currency in the amounts of $3,000 to $10,000.
Furthermore, Intermex implements further controls by applying identification requirements thresholds to certain
countries. A lower threshold of $1,000 has been established for money transfers to Colombia and of $2,000 to all
other countries. Additionally, these controls detail procedures to identify multiple currency transactions made by or
on behalf of any one person on any given day, which, when aggregated, exceed the reporting limits, as well as the
detection of suspicious activities that would require the filing of a Suspicious Activity Report (SAR).
The US Department of the Treasury has determined that these records and reports are highly useful in the
investigation of criminal, tax and regulatory irregularities
Intermex has implemented an (OFAC), Office of Foreign Asset Control system in order to detect instances of money
laundering through designated individuals and entities designated as dangerous risks by OFAC. In addition,
Intermex has implemented internal filters based on transactions patterns and individual characteristics to establish an
appropriate, specific and enhanced due diligence policy and procedure to detect and protect against money
laundering in the corporation.
Regulatory Control
As part of its commitment to ensure compliance, Intermex has appointed Mr. Jose A. Perez as Bank Secrecy Act and
Regulatory Compliance Officer. He is responsible for the coordination and monitoring of day-to-day compliance
with the Bank Secrecy Act and other pertinent regulations. This Officer shall also ensure that all of Intermex
employees and agents are trained on the requirements of the Bank Secrecy Act, as well as the recent amendments
proscribed by the USA Patriot Act of 2001 and all other applicable regulations.
Penalties
There are substantial criminal and civil penalties, including fines and imprisonment. This due to failure to comply
with the Bank Secrecy Act (BSA), USA Patriot Act of 2001 and for violating criminal money laundering statutes.
Rev. 030510 1
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BANK SECRECY ACT POLICY
BSA & United States Patriot Act Compliance Overview
The Bank Secrecy Act (BSA) is enforced by the United States Department of the Treasury and is the
regulatory centerpiece of the entire U.S. Money laundering effort. It is a separate and distinct law from the
money laundering laws found in the criminal code of the United States in Title 18 of the U.S. Code. The
BSA’s provision covers every type of financial institution, including money transmitters. Moreover, the U.S.
Department of the Treasury has the authority to designate as a “financial institution” any business “whose
cash transactions have a high degree of usefulness in criminal, tax, or regulatory matters.”
The BSA gives the U.S. Department of the Treasury an extremely broad mandate to issue regulations to
implement its provisions. Under the amendments added by the USA Patriot Act of 2001, the purpose of the
BSA is expanded to include “in the conduct of intelligence or counterintelligence activities, including
analysis, to protect against international terrorism.” (Title 31, USC Sec. 5311 & 5312 (a)(2).
By July 23, 2002, financial institutions must apply “appropriate, specific and where necessary enhanced due
diligence” for all foreign private international correspondent accounts. This will be required for
correspondent bank accounts with offshore banks (commonly banks that do not conduct business with the
currency of that jurisdiction where they are licensed and exist). The special due diligence also applies to
banks from jurisdictions deemed “non cooperative in the international effort to combat money laundering.’
The following is a general summary of further compliance obligations for money transmitting business as
mandated by the USA Patriot Act of 2001;
1- Response within 120 hours to requests of a banking regulator for records relating to anti-money laundering
compliance or customer transactions
The Compliance Department of Intermex Wire Transfer, LLC. is prepared to comply with any
requests of an appropriate banking regulating authority.
2- The U.S. Department of the Treasury has issued SAR regulations for the Securities Industry and requires
Money Transmitters to report suspicious activity.
The Intermex Compliance Department currently researches all transaction for suspicious activity. The
Compliance Department monitors wire activity with tools such as the Office of Foreign Asset Control
(OFAC) filter system, Internal Wire filters, and specific wire activity research. In the event suspicious
activity is uncovered, the compliance officer will comply and follow all federal suspicious activity
reporting requirements.
3- The U.S. Department of the Treasury has set “reasonable procedures” for customer identification at onset
of transactions. Reasonable Procedures include maintaining records used to identify the customer and
consulting a government provided list of known or suspected terrorists.
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4- Financial institutions are required to adhere to the new adopted regulations designed to align the
relationships between the financial services industry. The regulations will force financial institutions,
regulators and law enforcement, to facilitate information sharing on individuals or entities.
Intermex will be prepared to implement any new regulations to facilitate the sharing of information
to fight the global problem of money laundering.
5- Financial institutions must implement or rethink current compliance procedures and practices; a well-
counseled educational training process with understandable and forceful compliance programs for all
employees is now mandated by law.
Intermex has a BSA and Regulatory Compliance Officer who will update the BSA and USA Patriot
Act of 2001 procedures manual on a regular basis as amendments are codified. This manual will
aid Intermex to remain in compliance with the Money Laundering Act and other federal and state
regulations that relate to money transmitters and vendors of monetary instruments. In addition,
the Compliance Officer will investigate, research, and follow up on all regulatory issues and laws in
order to protect Intermex from being used for illegal activity. The Compliance Officer will
maintain and require training of all company personnel and agents of Intermex Wire Transfer,
LLC.
In the case of non-compliance by a financial institution, § 363 of the Patriot Act allows the U.S.
Department of the Treasury to impose on any financial institution that violates certain enumerated
sections a monetary penalty of up to two times the amount of the transaction, not to exceed a million
dollars. This civil penalty is complemented by a criminal penalty to be codified as 31 USC § 5322(d)
which permits the government to impose a fine of up to two times the amount of the transaction for
criminal violations of the act.
6. Financial institutions are required to provide education and/or training to appropriate personnel or
authorized delegates
Intermex is committed to impart periodic trainings and education to its employees and authorized
delegates to insure that the company is in compliance with all state and federal regulatory laws in
order to deter money laundering and terrorist financing.
7. Financial institutions must provide for independent review to monitor and maintain an adequate anti-
money laundering program.
Intermex has implemented an independent review process of the company’s Anti Money
Laundering program, as required by Title 31 CFR Section 103.125 of the USA Patriot Act. This
review is designed to evaluate Intermex’s policies, procedures and internal controls are adequate
and effective to ensure compliance with pertinent laws and regulation. The frequency of the review
shall be once per calendar year.
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OFFICE OF FOREIGN ASSET CONTROL (OFAC)
POLICY AND PROCEDURES
The Office of Foreign Assets Control ("OFAC") of the US Department of the Treasury administers and
enforces economic and trade sanctions based on US foreign policy and national security goals against targeted
foreign countries, terrorists, international narcotics traffickers, and those engaged in activities related to the
proliferation of weapons of mass destruction.
Intermex has implemented an OFAC filter system that safeguards against those individuals that are specially
designated nationals or blocked persons that the United States government considers dangerous and decided to
sanction. All money transfers flow through the filter, whether leaving or entering the United States. The OFAC
system immediately detects a possible match and transfers the money transfer transaction to a special file that is
reviewed by the Compliance Department. Consequently, the Compliance Department utilizes an independent
OFAC tracker system, where the possible match is reviewed against detailed information of names, including
homonyms in the government database. This information is compared against the information in our wire
system for a match.
If a false positive match is obtained, the money transfer will be immediately released for payment. If a
positive match is verified, Intermex must block the transaction and follow all rules and regulations stipulated
by the Office of Foreign Assets Control. Three of the most important are as follows: 1) Any transaction that
has been blocked or rejected must be reported to OFAC within ten business days; 2) An annual report of all
property blocked as of June 30 is due by September 30 of each year; 3) OFAC requires the retention of all
reports and blocked or rejected transaction records for five years. .
Intermex closely monitors changes to the list of specially designated nationals or blocked persons by the
Office of Foreign Asset Control. Intermex systems automatically retrieve, on a daily basis, the latest version
of the OFAC list from the US Treasury internet site. This in turn is used to update our internal filter list.
Daily updates at 5 A.M. est. consist of any new policy developments regarding OFAC as well as changes to
the master list of specially designated nationals and blocked persons.
As well as all money transfers, name of individuals that purchase money orders for the sum of $3,000 and
over are also screened through OFAC designated list for possible matches.
Intermex has also implemented a policy and procedures to screen through the OFAC list new Intermex’
employees before they are hired. In addition prospect authorized agents and foreign correspondents directors
and/or owners names are also screened before they sign contractual agreements with Intermex. These
procedures are repeated periodically to update internal records and disregard possible matches against the
OFAC list
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“KNOW YOUR CUSTOMER POLICY”
VERIFYING CUSTOMER IDENTIFICATION
The Policy of “Know Your Customer” as promulgated in 31CFR103, is the declared policy of
Intermex, together with the corresponding standards and procedures needed to implement said Policy.
Customers
Intermex believes that the implementation of a “Know Your Customer” policy is one of the most
effective means of preventing exposure to potential customers who intend to use our financial services for
illicit purposes. The specific objectives of this Policy are:
• Reinforce our Compliance Program and maximize our efforts to ensure compliance with both
the letter and intent of all applicable laws of the United States and of the State of Florida, and
with all regulations.
• Demonstrate our good will and the high level of proficiency of our customer service.
It is the Policy of Intermex to use “reasonable efforts” to ascertain the true identity of individual
customers and/or the stated business purpose of each commercial enterprise that requests to do business
transactions with Intermex. Intermex commits itself to this principle through a set of procedures
established for this purpose.
Intermex conducts due diligence research on potential agencies prior to their approval to conduct business
as an Intermex agent. The research consists of acquiring and verifying legal, business, and personal
documentation of the principal owners of the business entity. Failure of the potential agent to provide
any of the requested information or the discovery of negative credit score information will be sufficient
grounds for the denial of the Agency Application. The potential agent must provide the following
information:
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Procedures for Approved Agencies
Once the agent is approved Intermex will conduct the following procedures to ensure the proper
compliance with anti-money laundering regulations, Bank Secrecy Act and other requirements that apply
to the agent as a financial institution.
1. Conduct the training of the agent and its employees about Bank Secrecy Act and other anti-
money laundering obligations that pertain to the agent.
2. Retrain Agents and their employees who show weakness in the application of established
compliance policy and procedures.
4. Report any instances of Suspicious Activity involving the agent to the U.S. Department of
theTreasury.
Intermex reserves the right to terminate an agent for failure to comply with any anti-money laundering
laws, institutional compliance policies and procedures, or violation of any section of the Agency
Agreement. Upon the discovery of any of the aforementioned violations, Intermex will forward a
termination letter to the agent documenting the reasons for the termination. The letter will also serve as
notice that they are no longer authorized to provide Intermex services or use any Intermex materials to
solicit business.
Rev. 030510 6
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“KNOW YOUR FOREIGN CORRESPONDENT POLICY”
DUE DILIGENCE
In order to be in compliance and ascertain our commitment to maintain an effective anti-money laundering
program, Intermex requires that all foreign correspondents submit information deemed necessary to
adequately create a profile that will help us ensure compliance with pertinent anti-money laundering, BSA and
US Patriot Act laws and regulations.
8. Name of principals/shareholders.
This information will be filed and updated regularly. Intermex is responsible for ensuring the ongoing
compliance with all state and federal anti-money laundering laws and regulations. In case of non compliance,
Intermex reserves the right to terminate all operating agreements with the foreign correspondent.
Rev. 030510 7
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RED FLAGS
Intermex has prepared this guide of possible money laundering indicators as a tool for Agents and/or
Representatives to identify transactions and/or individuals that may appear suspicious.
Any transaction that appears to be suspicious must NOT be completed and must immediately be referred to
the Intermex Compliance Officer, by telephone and confirmed by fax or mail. In addition, if the transaction or
activity appears to represent structuring to evade Bank Secrecy Act (BSA) reporting or record keeping
requirements, and as detailed in Intermex’ “Currency Transaction Reports – Compliance Program”, there is
cause to believe that it is a possible money laundering or other criminal or unusual activity, the transaction
must be reported as a Suspicious Transaction to the appropriate government agency. Please refer to Intermex
Compliance Program for filing information. If a SAR is filed, a copy must be sent to the Compliance Officer
at Intermex.
Multiple orders name the same sender or beneficiary, or list the same telephone number or address
for a beneficiary, or aggregate to $3,000 on the same day, or are ordered by different people that
arrive together, to different people, with a combination of similar identities, addressed to different
places in the same area, for similar amounts, or a combination of several of the above conditions.
Multiple transactions made to the same area to different beneficiaries by different senders but that all
fall within a pattern or practice on a continuous basis (daily, weekly, monthly, etc.) for similar
amounts of money under Intermex $2,000 threshold.
Customer asks many questions about CTR filing and other anti-money laundering requirements with
the apparent intention of evading them.
Customer tries to conduct transactions under two or more names.
These examples of possible criminal activity must be made accessible and thoroughly explained to all
Agents’ employees.
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FILING REPORTS
CREATING AND RETAINING RECORDS
The U.S. Department of the Treasury requires Intermex, and/or its Agencies or Representatives, (Intermex) to
file a report for each transaction involving currency of more than $10,000. One form is predominantly used to
report currency transactions:
• Purpose of a CTR
The main purpose of reporting currency transactions is to provide law enforcement agencies a way to track or
prevent those engaged in illegal financial activities from using Intermex to launder cash obtained illegally from
the sale of drugs, stolen merchandise, gambling, etc. This does not imply that cash transactions over $10,000
are illegal; most transactions over $10,000 in cash are done for legitimate reasons. The fact that a CTR is
required does not reflect in the legality of the transaction or on the character of the individual initiating the
transaction.
• Uses of a CTR
The CTR has a high degree of usefulness in criminal, tax, and regulatory investigations and proceedings.
Information from CTRs is used in criminal and tax investigations and prosecutions.
Intermex is required to report all currency transactions that involve more than $10,000 by or for any one person
on any one-business day. Multiple currency transactions on the same business day are to be treated as a single
transaction if the institution has knowledge that they are by and/or for the same person. To be reportable, there
must be a physical transfer of currency from one person to another.
A transaction, which is a transfer of funds by means of bank check, bank draft, or other written order, and does
not include the physical transfer of currency, is not a reportable transaction.
The following are examples requiring the preparation and filing of a CTR:
1. A customer remits or receives more than $10,000 in cash from one or several sources in one business day.
2. A customer wants to exchange more than $10,000 in cash for smaller or larger bills.
3. A customer makes several cash transactions that total more than $10,000 in a business day.
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• Reportable Transactions
¾ Wire Transfers
¾ Sales of Money Orders
Intermex shall treat multiple currency transactions as a single transaction if Intermex has knowledge
that they are by or on behalf of any one person and they exceed $10,000 on any one-business day.
Whenever an employee has knowledge of multiple transactions by or for a person, this information
constitutes knowledge on behalf of Intermex. Reasonable effort should be made to identify all multiple
transaction aggregations that exceed $10,000, and that are, therefore, reportable transactions.
• Monetary Instruments
As required by the BSA, Intermex will maintain for the period of five (5) years a Monetary Instruments
Log for the sale of monetary instruments such as money orders and travelers checks which involves
currency in amounts of $3,000 to $10,000 inclusive.
Intermex’s form “High Transaction Form/Money Order Log” must be submitted in a timely fashion
with the following information:
If the documentation is not from the USA, country of issuance must be noted alongside.
IMPORTANT NOTE:
Purchase of the same or different types of instruments totaling $3,000 or more must be treated as
one transaction when there is knowledge of the multiple sales. Multiple sales must be noted as
such on the log.
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• Procedure to determine failure of agency to file High Dollar Transaction Form is as follows
1. An Agent Suspicion Report, which shows blocks of monetary instruments of $500 more 6 times in
sequence or within a short amount of time is prepared and handed to the Compliance Officer daily for
review.
2. If the agent has not provided a High Dollar Transaction Form, the agency will be called and questioned
as to whether the same customer bought the monetary instruments.
3. In the event, it was the same customer, the appropriate forms are requested immediately.
4. In the event, the agency informs Intermex that different customers purchased the money orders,
Intermex will investigate the monetary instruments at the end of the month after payment is tendered.
The investigation will focus on whether the same person received the money orders. If it is verified
that the same individual presented the money orders for cash, the agency will receive the first of a
possible 2 written warnings from the Compliance Officer, setting forth their failure to comply with
federal regulations as well as citing the original Agency agreement. Upon the second violation,
Intermex will terminate the relationship with the right granted to them in the original agency
agreement.
• Wire Transfers
For every wire transfer received by Intermex all information required by regulation implementing the Bank
Secrecy Act must be obtained and retained for a period of 5 years. In addition for each wire transfer initiated
by Oklahoma agents for $1,000 or more, Intermex will maintain all information required by the Oklahoma
State Banking Department for a period of at least 3 years. All information must be recorded in Intermex Form
1025 submitted at the time of the payment or transmittal order, with appropriate valid identification, as needed
One valid piece of identification will be kept on file along with the following information:.
All record keeping requirements as mandated by the Bank Secrecy Act for currency transactions apply to Wire
Transfers. A log for cash transactions between $3,000 and $10,000 inclusive will be maintained, and a CTR
will be filled out for all cash transactions of more than $10,000. Suspicious Activity Reports (SAR-MSB) will
be filed in accordance with the guidelines provided hereunder.
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• Suspicious Activity Report – SAR-MSB Fincen Form 109
Intermex is required to file a Suspicious Activity Report (SAR-MSB) for transactions aggregating
$2,000 or more that involve potential money laundering or violations of the Bank Secrecy Act. Any
transaction conducted, or attempted by, at or through Intermex and involving or aggregating $2,000 or
more in funds or other assets, if Intermex knows, suspects, or has reason to suspect that:
1. The transaction involves funds derived from illegal activities, or is intended or conducted in order
to hide or disguise funds or assets derived from illegal activities (including without limitation, the
ownership, nature, source, location, or control of such funds or assets) as part of a plan to violate
or evade any law or regulation or to avoid transaction reporting requirements under Federal law.
2. The transaction is designed to evade any regulations promulgated under the Bank Secrecy Act.
3. The transaction has no business or apparent lawful purpose, or is not the sort in which the
customer would normally be expected to engage, and the financial institution knows of no
reasonable explanation for the transaction after examining the available facts, including the
background and possible purpose of the transaction.
The Bank Secrecy Act requires the filing of a currency transaction report (CTR) whenever a currency
transaction exceeds $10,000. If a currency transaction exceeds $10,000 and is suspicious, both a CTR
(reporting the currency transaction) and a SAR (reporting the suspicious or criminal aspects of the
transaction) must be filed. If the suspicious transaction equals or is below $10,000, only a SAR should
be filed.
1. A customer reduces a cash transaction from $15,000 to $9,000 after you inform him/her that a
CTR must be filed.
2. A small local business makes transactions between $9,000 and $9,500 in cash every day, and you
know that business does not generate that amount of cash. A costumer, who you know or suspect
is involved in an illegal business, makes transactions of $9,500 in cash several times a week.
3. Two or more individuals, who are obviously together, conduct separate cash transactions just
under $10,000, each.
4. A customer exchanges small denomination bills ($5s, $10s, $20s) for large denomination bills
($50s, $100s).
5. A business that is not normally cash-intensive suddenly increases the amount of cash transactions.
6. A customer initiates a large number of wire transfers that are not consistent with his normal
ordinary course of business.
These are only a few examples of suspicious transactions. Any CASH transaction of $2,000 or more that
appears suspicious must be reported on a Suspicious Activity Report (SAR) to the address below, or as
implemented by Intermex reports may be electronically submitted to
http://bsaefiling.FinCEN.treas.gov/main.html.
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• Structuring and Money Laundering
It is a Federal crime to structure a transaction. A “structured” transaction behalf of other persons, conducts or
attempts to conduct one or more is considered to exist when a person acting alone, or in conjunction with, or
on transactions in cash, in any amount, at one or more locations or branches of the Agent or at different
financial institutions, on one or more days, in any manner for the purpose of evading BSA reporting or record
keeping requirements. It also is a crime to assist a customer in structuring a transaction. If the Agent suspects
that a customer is structuring transactions but turns a blind eye to that activity and fails to ask questions, the
Agent may be found guilty of structuring.
Examples:
Juan Garcia brings in $2,000 in cash and asks to send the money to Carmen Vera in Colombia. The
next day Mr. Garcia brings in $2,000 in cash and asks to send the money to Jorge Vera in Colombia. Juan
Garcia may be attempting to evade the BSA Wire Transfer Record keeping requirements. If the Agent
determines that Mr. Garcia is structuring transactions, he or she must NOT complete the transaction. In
addition, the Agent must follow the procedures for handling suspicious transactions.
The Agent sees Donna Green and Sue Smith enter the Agency together and speaking with each other.
Each hands over less than $10,000 in cash and asks to send the money to Canada. The orders requested Ms.
Green and Ms. Smith send both to Andrew White and total more than $10,000. Donna Green and Sue Smith
may be attempting to evade the CTR reporting requirements. If the Agent determines that Ms. Green and
Ms. Smith are structuring transactions, he or she must NOT complete the transactions. In addition, the
Agent must follow the procedures for handling suspicious transactions.
It also is a Federal crime for any person to knowingly engage in any commercial or financial transaction or
international transportation or transmission of funds with the proceeds of drug trafficking or other criminal
activity. Knowledge may be established by proving that the person was “willfully blind” or “deliberately
indifferent” to the source or origin of the funds.
Examples
Jack King brings in $49,500 in cash and asks to send it to his mother in Europe. He mentions to the
Agent that he has made money selling drugs and wants to share it with his mother. The Agent has knowledge
that the funds used for the transfer are proceeds of drug trafficking. Because the Agent knows the funds are
criminally derived, he or she must NOT complete the transaction. In addition, if the Agent completes the
transaction that he or she knows or suspects may involve the proceeds of drug trafficking or other criminal
activity, he or she may be guilty of money laundering.
Mark Lee is unemployed. He asks to send $15,000 to his father in Asia. Because this is a suspicious
transaction, the Agent must question Mr. Lee about the source of the funds. Only if the Agent is fully satisfied
that the funds are legitimately derived, may he or she complete the transaction. If the Agent does not question
Mark Lee about the source of the funds in order to establish that the funds are not proceeds of criminal
activity, and the funds are the proceeds of drug trafficking or other criminal activity, the Agent may be
considered to be willfully blind to the source of the funds. If the Agent completes the transaction, he or she
may be guilty of money laundering.
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• Procedures for Handling Suspicious Transactions
Upon becoming aware of a suspicious transaction or activity, the Agent must investigate the situation.
1. If the transaction or activity appears to represent structuring to evade BSA reporting or record
keeping requirements, or other criminal or unusual activity and no reasonable explanation is
apparent, the transaction must NOT be completed. In addition, the Agent must file a SAR report
in accordance with the BSA requirements and Intermex policies and procedures, and must send a
copy of the SAR to Intermex, by fax.
2. If the transaction or activity being reported on a SAR appears to be part of an ongoing scheme, the
Agent should consider notifying, by telephone the IRS (either by calling the local IRS/Criminal
Investigation Division office or the IRS Hotline number, 1-800-CTRS), and should notify
Intermex Compliance Department.
3. A transaction that is reported on a SAR may also require reporting on a CTR, if it involves more
than $10,000 in cash on one business day.
4. The Agent MUST NOT NOTIFY any person he/she has been reported on a SAR.
The Bank Secrecy Act Policy, The BSA Compliance Program and the Procedures for the timely
completion of the Currency Transaction Report (CTR), Suspicious Activity Report (SAR), the
Monetary Instrument Log, Wire Transfer Log and Record Retention Schedule, fulfill Intermex’s
commitment to actively participate in the eradication of money laundering and other financial
crimes, as required by law and regulation.
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CURRENCY TRANSACTION REPORTS (CTR)
PROCEDURES
A Currency Transaction Report (CTR) must be prepared by the person (Agent or agency’ employee) engaged
in preparing the transaction(s) which involved more than $10,000 in currency made by the same person, or on
behalf of the same person, on the same day. This report is to be filed by completing FinCen Form 104.
Report a deposit, withdrawal, exchange of currency or other payment or transfer, by, through or to Intermex
that involves a transaction in currency of more than $10,000 (Section 103.22(a)(1) of the Treasury’s Financial
Record keeping and Reporting of Currency and Foreign Transactions Regulations).
CTRs are to be completed in accordance with government instructions and filed within 15 (fifteen) calendar
days after the date of the transaction.
To ensure compliance with filing requirements the prepared (Agent or agents’ employees) must:
To ensure compliance with filing requirements, the Approving Official (Agency Owner or Manager) must:
Review CTR Part I, Sections A and/or B, as applicable, against documentation, for completeness and
accuracy.
Compare and reconcile amount and type of transaction(s) against documentation on Part II.
Fill out and sign Part III making sure that all items are properly and duly completed.
Ensure delivery of CTR(s) to IRS within the 15 days mandated time period by mailing the completed form to
the address below, or within 25 days as implemented by Intermex via electronically to
http://bsaefiling.FinCEN.treas.gov/main.html
For reporting and filing purposes, multiple currency transactions taking place on the same business day are
treated as a single transaction if Intermex has knowledge that they are made by or on behalf of the same
person.
“Same business day” shall mean the day on which a transaction is routinely posted to a customer’s account.
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“Has knowledge” shall mean that knowledge on the part of an officer, director, or employee, or
knowledge on the part of an existing system which permits it to aggregate transactions, shall be
knowledge of Intermex.
For the purposes of reporting, the Approving Official or designated Coordinator must monitor all daily
transactions to ensure that multiple transactions have not been made by, or on behalf, of any one person
that exceeds the amount of $10,000. An electronic or manual record shall be kept of the daily
monitoring.
CTRs for multiple transactions exceeding the threshold amount of $10,000 shall be prepared following
the CTR Filing Procedures mentioned in (1) above.
3. Monetary Instruments
No financial institution, other than a bank, through each agent, agency, branch, or office located within the
United States, may issue or sell a bank check or draft, cashier’s check, money order or traveler’s check for
$3,000 or more in currency unless it maintains records of the following information, which must be
obtained for each issuance or sale of one or more of these instruments to any individual purchaser,
which involves currency in amounts of $3,000 to $10,000 inclusive. Multiple purchases by the same person
on any one- business day shall be aggregated to determine the transaction amount.
Name
Date of purchase
Type of instrument
Serial number of each instrument
Amount in dollars of each instrument
Verification of purchaser’s identity (See above for approved identification documents).
For record keeping and filing purposes the following procedures must be followed:
Intermex Agents must fill out “High Dollar Transaction Report” and form 1025 - $3,000, and send to
Intermex, together with required identification, when the sale of monetary instruments reaches the
amount of $3,000, including fees.
Keep daily Log with purchases between $3,000 and $10,000, by or on behalf of one individual.
Obtain required documentation and keep copies with transaction form.
Give copy of Log and supporting documentation to designated CTR Official for review on a timely
basis.
CTR official must review Log entries, aggregate multiple purchases of cash transactions and file CTRs when
applicable, utilizing the same CTR Filing Procedures outlined in (1) above. A copy of a CTR must be sent to
Intermex, Compliance Department.
Any one purchase of Money Orders with currency in excess of $10,000 requires the completion of
FinCen Form 104 – CTR
4. Wire Transfers
Each agent, agency, branch, or office located within the United States of a financial institution other
than a bank, is subject to these requirements with respect to a transmittal of funds in the amount of
$3,000 or more:
For each transmittal order made in person that it accepts as a customer’s financial institution*, a financial
institution shall verify the identity of the customer, and obtain and retain the original, a copy, or electronic
record of, and shall keep a Log with, the following information:
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The name and address of the customer.
The amount of the transmittal order.
The execution date of the order.
Payment instructions received from the customer with the transmittal order.
The identity of the recipient’s financial institution.
As many of the following items as available from the transmittal order:
- Name and address of the recipient.
- Account number of the recipient.
- Any other specific information about the recipient.
A completed and signed form by the person placing the transmittal order.
Copy of approved identification document. ( As defined above)
If the transmittal order accepted by the customer’s financial institution is not made in person, the customer’s
financial institution shall obtain and retain a record of the name, address, and telephone number of the person
placing the order, as well as the social security or employer identification number. If none is available, then
alien identification number or passport number and country of issuance, as well as a copy or record of the
method of payment (check or credit card transaction), for the transmittal of funds will be obtained.
Intermex forms 1025 and CTRs, must be filled out as appropriate and sent to Intermex before a
transaction can be processed. Form 1025 (transactions between $3,000 and $10,000, inclusive) must be
accompanied by the required copy of identification. All forms must be complete, legible, dated and
signed. Copy of CTRs filed by the Agent must be sent to Intermex Compliance Department by fax.
Wire Transfers to Colombia in the amount of $1,000 or aggregate of $1,000 within 1 days will require a
1025 Form
Wire Transfers to all other countries except Colombia of $2,000 or aggregate of $2,000 within 1 days
will require a 1025 Form.
In addition to the established limits, Intermex will analyze sender frequency and accumulated amounts
by sender and beneficiary, and may require the sender to provide Form 1025, identification and
documents supporting amounts sent at that time.
Any transmittal order funded with currency in excess of $10,000 requires the completion of FinCen
Form 104 – CTR.
INTERMEX WILL NOT PROCESS ANY TRANSMITTAL REQUEST UNLESS ALL REQUIRED
DOCUMENTATION IS RECEIVED BY INTERMEX.
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INTERMEX TRAINING PROGRAM
Intermex is committed to provide its Agents and/or Representatives, with training on the Bank Secrecy Act,
Part 103 – Financial Record keeping and Reporting of Currency and Foreign Transactions, and other Federal
and State Regulations pertaining to the fight against Money Laundering.
For this purpose, Intermex has developed a Bank Secrecy Act Policy and has prepared a Bank Secrecy Act
Compliance Program that contains all the parameters by which Intermex, its Agents and/or Representatives,
will conduct their business based on the Agent Agreements signed with Intermex.
The following training procedures are part of the Intermex Agent Compliance Program:
1. Training of Agency/Owner
The Agent/owner must complete a training offered by the sales representative and have a good
understanding of Intermex policy and procedures documented in the Intermex Reference Manual. The
agent/owner will receive a refresher course yearly, but will continue to receive information of
regulatory matters on a consistent basis.
5. Training Records
The Agent must retain a central file containing the following training records for a revolving five (5)
year period, and make it available to Intermex, or U.S. government authorities upon request:
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RECORD RETENTION
In order to maintain compliance with the Bank Secrecy Act Record Retention requirements, Intermex, its Agents
and/or Representatives (Intermex) must adhere to the following instructions, as applicable:
Record Retention:
The Bank Secrecy Act requires that records and supporting documents be retained for potential review by
regulatory agencies for a period of FIVE (5) YEARS. This information must be maintained in a manner that
permits it to be accessible within a reasonable period of time.
Records may consist of originals, copies or microfilm copies. Records made in the ordinary course of business
may be used to meet these requirements. If not generated by routine record keeping, records are to be prepared in
writing by the party(s) handling the transaction(s).
The Bank Secrecy Act rules generally require Bank Secrecy Act information to be retained for a period of five
years, unless otherwise noted, thus the mentioned documents and any other BSA document, unless specifically
excluded, fall within these rules:
Work papers – documents to evidence cash or non-cash transactions of more than $10,000.
Audit Work papers – documents evidencing review of currency transaction reporting compliance.
A record of each instruction, advice or request, received or given regarding a remittance or transfer of
funds, of more than $10,000, within or outside the United States.
A record of each remittance or transfer of funds of more than $10,000 to a person, account, or place, within
or outside the United States.
All original monetary instruments logs ($3,000 to $10,000, inclusive), wire transfer logs and CTRs, filed by
day and month, including supporting documentation.
All wire transfer records must be retrievable by the name of the sender or beneficiary, or if the transaction is
on behalf of a third party, by the third party’s name.
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2 AML/BSA MANUAL DE ENTRENAMIENTO
ESPAÑOL
TABLA DE CONTENIDO
LAVADO DE DINERO
Actividades sospechosas
Estructuración
Señales de alerta
APENDICES
Información adicional
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ACTA DE SIGILO BANCARIO
El Acta de Sigilo Bancario (BSA) fue creado por el Congreso el año 1970 para combatir
el lavado de dinero y otros crímenes financieros.
Aparte de esta guía general, hay otros requisitos que pudieran ser obligación de un MSB
específico. Por favor visite la página web www.fincen.gov para más información.
LAVADO DE DINERO
Cada año los lavadores de dinero tratan de ocultar la procedencia de dinero ilícito
pasando cientos de millones de dólares por el sistema financiero, incluyendo negocios de
servicio de dinero (MSB). El lavado es mas éxito cuando los criminales no tienen que
dejar un “rastro de papel” que una el dinero al crimen cometido. Los organismos
policiales pueden seguir “rastro de papel” creado por los reportes y la información de las
instituciones financieras.
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Actividades Sospechosas
9 Esta diseñada para evadir requisitos del Acta de Sigilo Bancario, ya sea por
estructuración u otros medios.
9 Aparenta no tener sentido de negocios o algún otro sentido legal y que otros
factores pertinentes no provean de una explicación razonable.
Dos o mas clientes utilizan el mismo documento (con fotos y nombres diferentes)
Estructuración
Ejemplos:
Una transacción grande es partida en dos o mas para ser efectuadas por dos o mas
personas.
Una mujer quiere hacer un envío de $5,000, pero sabiendo que hay que reportar
transacciones de más de 3,000; ella hace un envío de $2,500 y le dice a su amiga
que haga otro envío de $2,500.
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Señales de Alerta
Hay muchos factores que pueden ser “señales de alerta” que nos indiquen que una
transacción pueda ser sospechosa. Al observar estas señales deberíamos hacernos algunas
preguntas como:
9 ¿La cantidad de dinero parece ser muy grande para el cliente típico, o el negocio
de servicios de dinero?
9 ¿El cliente hace este tipo de transacciones mas frecuentemente que lo normal?
9 ¿El tipo de transacción parece ser normal para este cliente o negocio?
Ejemplos:
El cliente cambia los montos después de saber que tiene que presentar
identificación.
Si es obvio que un cliente a cometido un crimen –como por ejemplo ofrecer una coima o
haya admitido un crimen- la ley requiere que uno reporte en un SAR si la cantidad es de
$2,000 o mas.
Recuerde:
9 Usted tiene 30 días para reportar un SAR después que usted supo de una
transacción o un patrón de transacciones o actividades sospechosas.
9 La ley no le pide acusar a nadie de un crimen – usted solo tiene que reportar en un
SAR si usted sospecha de una actividad que la cantidad es de $2,000 o mas.
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9 Si se presenta una situación urgente, contacte a las autoridades pertinentes
inmediatamente; después remita un SAR.
Intermex deberá recibir el formulario 1025 por envíos a Colombia de $1,000 o más,
envíos del Estado de Oklahoma de $1,000 o mas, y para cualquier otro país por envíos de
$2,000 o más. La forma deberá estar legible, completamente diligenciada, y firmada por
el agente y el cliente. Una identificación con foto, valida y vigente deberá ser
suministrada junto con la forma antes de que Intermex procese el envío. Si se presenta
una identificación de USA para giros de $3,000 o más (Oklahoma de $1,000 o mas),
también se deberá presentar una copia del SSN (tarjeta del Seguro Social) o ITIN (IRS
Individual Taxpayer ID Number). Los documentos de identificación aceptados son los
siguientes:
Negocios de Servicios de Dinero (MSB) que aceptan instrucciones para enviar o recibir
envíos de dinero deberán obtener y registrar transacciones de $3,000 o más (Oklahoma de
$1,000 o más) sin importar el método de pago.
Los requerimientos para registrar envíos de dinero exigen que los MSB verifiquen por
remitente o beneficiarios:
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1. Verificar el documento de identificación
2. Registrar información del cliente y la transacción.
3. El remitente deberá de proveer cierta información al MSB o a la institución
financiera que procesa el envió.
4. Guardar estos registros por 5 años desde la fecha del envío.
MSBs que venden Money Orders o cheques de viajero tienen que registrar compras en
efectivo que estén entre $3,000 y $10,000 inclusive. Transacciones múltiples de
instrumentos monetarios que sumen $3,000 o más deberán ser procesadas como si fuera
una sola transacción y se deberá registrar si:
Negocios que proveen servicios de envíos de dinero; o negocios que venden o canjean
Money Orders – deberán reportar actividades sospechosas que involucren una transacción
o patrones de trasacciones de $2,000 o más.
Usted tiene 30 dias calendarios para suministrar el reporte SAR después de haber sabido
de cualquier actividad sospechosa.
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Enterprise Computing Center-Detroit
Attn: SAR-MSB
P.O. Box 33117
Detroit, MI 48232-0980
3. Mantener una copia del reporte y cualquier documentación de soporte por 5 años
desde la fecha que se envió el reporte.
9 Han sido procesadas en una o mas agencias o sucursales del mismo MSB, y
4. Enviar el original a:
5. Mantener una copia del CTR por 5 años desde la fecha de suministro.
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PROGRAMAS DE ANTI-LAVADO DE DINERO
Cada programa deberá ser desarrollado de acuerdo al riesgo que cada negocio posea en
cuanto a ubicación, tamaño, naturaleza y volumen de los servicios financieros que este
provea. Por ejemplo, un MSB grande que procesa un alto volumen de envíos en Los
Angeles, tiene un riesgo mas alto que un cambiador de cheques pequeño en Idazo. Por lo
tanto, el remesador en California deberá tener un programa de anti-lavado mas complejo,
de acuerdo al riesgo mas alo que este posee, que el negocio mas pequeño en Idaho que es
de bajo riesgo en cuanto a lavado de dinero. Un programa eficaz es diseñado para prever
que el MSB sea utilizado y facilite el lavado de dinero.
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OFICINA DEL CONTROL DE ACTIVOS EXTRANJEROS (OFAC)
La Oficina del Control de Activos Extranjeros (OFAC) del Departamento del Tesoro
administra y aplica sanciones económicas basadas en la política exterior de los Estados
Unidos y de seguridad nacional que atacan ciertos gobiernos, grupos terroristas,
narcotraficantes internacionales y todos aquellos que estén tras el desarrollo de armas de
destrucción en masa.
Todas las transacciones de envíos pasan a través del filtro, ya sea al entrar o salir de los
Estados Unidos. El sistema inmediatamente detecta una similitud y transfiere la
transacción a un archivo especial que es revisado por el departamento de cumplimiento.
Luego se procede a la verificación de la identidad del individuo retenido por el filtro por
medio de la suministración de los documentos de identidad.
Penalidades tanto civiles como criminales pueden ser adjudicadas por violaciones de las
leyes y regulaciones de anti-lavado. Estas penalidades pueden ser multas y también pena
de cárcel. Un MSB que no cumple con los requisitos del BSA puede recibir penas hasta
de $500 por negligencia y por violaciones adrede: la cantidad de la transacción (hasta
$100,000) o $25,000. Bajo algunas circunstancias, los negocios pueden ser culpables por
crímenes cometidos por los empleados. La pena máxima por violar las regulaciones BSA
es una multa hasta de $500,000 o prisión por un término de 10 años o ambos.
Por lo tanto, es imperativo que los empleados sean entrenados y educados de cómo
cumplir con las regulaciones BSA, y que exista un sistema funcionando que asegure que
los empleados están cumpliendo con las leyes y regulaciones de Anti-lavado.
Los MSB pueden ser de mucha ayuda para el gobierno federal en lucha contra el lavado
de dinero. Por lo menos, los MSBs deberán diligenciar los reportes correctamente,
enviarlos a tiempo, crear y mantener el programa adecuado de cumplimiento y seguir las
sugerencias que el Departamento del Tesoro provee.
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NEGOCIOS DE ENVIOS DE DINERO SIN LICENCIA
b) opera sin una licencia apropiada para enviar dinero en un Estado en que dicha
operación es sancionada como un delito menor o felonía bajo la ley estatal, aunque la
persona que actúa como tal, tenga o no conocimiento de que la operación requiere
una licencia o que la operación es penalizada.
Una persona que hace negocio en alguno los siguientes rubros es considerado un MSB:
Cambio de divisas
Canje de cheques
Venta de Money Orders o cheques de viajero
Remesas de dinero
Correo postal
Valor agregado electrónico
Cambio de divisas
Canje de cheques
Compra o Venta de Money Orders o cheques de viajero o valores
almacenados
Rev 01/21/10
Property of Intermex
Excepciones:
Una persona que concientemente no cumple con los requisitos de registro se le podría
aplicar una penalidad civil de hasta $5,000 por cada violación de la ley. Cada día que
este en violación, constituye una violación nueva adicional.
Conforme a la ley del BSA Título 31 CFR 103.125; todos los negocios de servicios de
dinero (MSB) están obligadas a implementar procedimientos para responder a solicitudes
de información y/o documentos y visitas de representantes de la ley; tales como: FBI,
Departamento de Policía, IRS, etc.
Estos procedimientos deben ser implementados por usted, estar por escrito y visibles en
su negocio para que sus empleados tengan fácil acceso a ellos. Los procedimientos
deben, como mínimo, incluir el nombre del oficial de cumplimiento de su agencia o la
persona asignada para esta tarea, el número de teléfono para contactar al oficial de
cumplimiento sin demoras y las instrucciones de cómo proceder y/o responder a la
solicitud y/o la visita.
Es importante que usted como MSB aplique estos procedimientos como parte de su
AML/BSA Programa de Cumplimiento.
Rev 01/21/10
Property of Intermex
APENDICE
Registrarse – Algunos MSBs deberán registrarse y mantener una lista de sus agentes.
Si un MSB sabe, sospecha o tiene razones para sospechar que una transacción o actividad
es sospechosa y es de $2,000 o más, deberá reportar un SAR.
Si un MSB procesa una transacción en efectivo de mas de $10,000 con el mismo cliente
en un día, deberá reportar un CTR.
Si un MSB vende Money Orders o cheques de viajero por cash en un monto de $3,000 a
$10,000 inclusive, al mismo cliente en un mismo día, deberá registrar la operación.
Si un MSB procesa un envío de dinero de $3,000 o mas (Oklahoma de $1,000 o mas) del
mismo cliente en el mismo día, sin importar el método de pago, deberá registrar la
operación.
INFORMACION ADICIONAL
Para obtener respuesta a cualquier pregunta con respecto a regulaciones BSA de reportes
y registro de operaciones, visite la página web www.fincen.gov
O llame:
Rev 01/21/10
Property of Intermex
AML/BSA TRAINING MANUAL
ENGLISH
TABLE OF CONTENTS
MONEY LAUNDERING
Suspicious Activity
Structuring
Red Flags
APPENDIX
Additional Information
The Bank Secrecy Act (BSA) was enacted by Congress in 1970 to fight money
laundering and other financial crimes.
The BSA requires many financial institutions to create “paper trails” by keeping records
and filing reports on certain transactions. These reports are submitted to the U.S.
Department of the Treasury’s Financial Crimes Enforcement Network (FinCEN).
FinCEN collects and analyzes the information to support law enforcement investigative
efforts and to provide U.S. policy makers with strategic analyses of domestic worldwide
money laundering developments, trends and patterns.
The BSA’s reporting and recordkeeping provisions apply to banks, savings and loans,
and credit unions as well as other financial institutions, including money services
businesses (MSBs).
In addition to the general guidelines provided here, other BSA requirements may apply to
a specific MSB. Please visit www.msb.gov for more regulatory information.
MONEY LAUNDERING
When criminals try to hide or disguise the source of their illegal money by converting it
to funds that appear legitimate, the process is called “money laundering.”
Every year, money launderers try to cover up the illegal source of their money by
funneling hundreds of millions of dollars through financial institutions, including money
services businesses (MSBs). Money laundering is most likely to be successful when
criminals avoid leaving a “paper trail” of transactions linking the money back to their
crime. Law enforcement can follow the “paper trail” created from reports and records of
financial institutions.
By following federal recordkeeping and reporting requirements, you can help law
enforcement prevent criminals from getting away with – and profiting from – their
crimes.
A customer uses a false ID, or multiple IDs on different occasions (name, address,
or identification number may be different).
Two or more customers use the same or similar IDs (photo or name may be
different).
Structuring
Examples
A woman wants to send a $5,000 money transfer, but knowing that the threshold
of $3,000 or more for recording of funds transfers would be met; she sends a
$2,500 money transfer and asks her friend to send a $2,500 money transfer.
There are a number of possible factors, or “red flags,” which signal that an activity or
transaction might be suspicious. Observing a “red flag” should trigger some questions,
such as:
9 Is the amount of the transaction unusually large for the typical customer or for the
MSB?
9 Does the customer make the same or similar transactions more frequently than
normal?
9 Does the type of transaction seem unusual for the customer or the MSB?
Examples:
Remember:
9 You have 30 calendar days to file a SAR after becoming aware of any suspicious
transaction or pattern of suspicious transactions or activities that are required to be
reported.
9 When you report suspicious activity, the law protects you from civil liability.
9 You are not being asked to accuse customers of criminal activity – you are only
required to file a SAR if you believe the activity is suspicious and involves $2,000
or more.
9 If a situation seems to require immediate attention, contact the appropriate law
enforcement authority right away; then file a SAR.
9 It is illegal to tell any person involved in the transaction that a SAR has been
filed.
Intermex must receive a completed form 1025 for money transfers to Colombia of $1,000
or more, for money transfers from Oklahoma State of $1,000 or more and for money
transfers to all other countries of $2,000 or more. The form must be legible, fully
completed and signed both by the agent and the remitter. One valid form of picture
identification document from the remitter must be submitted by fax prior to Intermex
processing the transaction. When a US identification document is presented, for money
transfers of $3,000 and more (Oklahoma for $1,000 or more), a copy of the Social
Security Card or ITIN (IRS Individual Taxpayer ID Number) must be provided.
Acceptable forms of identification include:
In addition to the established limits, Intermex will analyze sender frequency and
accumulated amounts, requiring the sender to provide form 1025 at that time.
MSBs that accepts an instruction to send or to pay a money transfer must obtain and
record specific information for each money transfer of $3,000 or more (Oklahoma for
$1,000 or more), regardless of the method of payment.
1. Verify customer ID
2. Record customer and transaction information.
3. Sender must provide certain information to the receiving MSB or other receiving
financial institution.
4. Keep the record for 5 years from the date of transaction.
MSBs that sell money orders or traveler’s checks are required to record cash purchases
involving $3,000 - $10,000, inclusive. Multiple cash purchases of monetary instruments
totaling $3,000 or more must be treated as one purchase which must be recorded if:
2. The MSB has knowledge that such purchases occurred during one business day.
To record a money order or traveler’s check sale for cash of $3,000-$10,000, inclusive
you must:
2. Record transaction information – amount, date of sale and serial number(s) for each
instrument.
Businesses that provide money transfers; or businesses that issue, sell, or redeem money
orders – must report suspicious activity involving any transaction or pattern of
transactions at or above $2,000 or more:
You have 30 calendar days to file a SAR after becoming aware of any suspicious
transaction that is required to be reported.
1. Record relevant information on a Suspicious Activity Report (SAR) FinCen Form 109
available at www.fincen.gov or by calling the IRS Forms distribution Center:
1-800-829-3676.
MSBs must file a FinCen Form 104 Currency Transaction Report (CTR) within 15 days
whenever a transaction or series of transactions in currency:
Multiple cash transactions are considered to be one transaction on which a CTR must be
filed if the MSB has knowledge that:
9 They are by or on behalf of the same customer during one business day, and
9 They are conducted at one or more branches or agents of the same MSB, and
5. Keep a copy of the CTR for 5 years from the date of filing the report.
Each program must be commensurate with the risks posed by the location, size, nature
and volume of the financial services provided by the MSB. For example, a large money
transmitter with a high volume of business located in the Los Angeles area is at higher
risk than a small check casher with a low volume of business located in Boise. Therefore,
the large California money transmitter would be expected to have a more complex AML
compliance program, commensurate with its higher risk, than the smaller Idaho check
casher, who is at lower risk of being used to facilitate money laundering. An effective
program is one designed to prevent the MSB from being used to facilitate money
laundering.
The Office of Foreign Assets Control ("OFAC") of the US Department of the Treasury
administers and enforces economic and trade sanctions based on US foreign policy and
national security goals against targeted foreign countries, terrorists, international
narcotics traffickers, and those engaged in activities related to the proliferation of
weapons of mass destruction.
Intermex has implemented an OFAC filter system that safeguards against those
individuals that are specially designated nationals or blocked persons.
All wire transactions flow through the filter, whether leaving or entering the United
States. The OFAC system immediately detects a possible match and transfers the money
transfer transaction to a special file that is reviewed by the Compliance department.
Consequently, the verification of the identity of the individual detected by the system
must take place by way of obtaining and inspecting a valid identification document.
If a false positive match is obtained, the money transfer will be immediately released for
payment. If a positive match is verified, Intermex must block the transaction and follow
all rules and regulations stipulated by the Office of Foreign Assets Control.
Civil and criminal penalties can be imposed for violations of anti-money laundering laws
and regulations. Penalties can result in substantial fines and in prison terms. Any
MSB that fails to comply with BSA reporting and record keeping requirements faces
possible civil penalties of up to $500 for negligent violations and the greater of the
following two amounts for willful violations: the amount involved in the transaction (up
to $100,000) or $25,000. Under certain circumstances, businesses can also be held
criminally liable for the acts of their employees. The maximum criminal penalty for
violating a BSA requirement is a fine of up to $500,000 or a term of imprisonment of up
to 10 years, or both.
It is therefore important that employees are thoroughly trained on how to comply with
BSA regulations and that a system is in place to ensure that employees are following all
anti-money laundering laws and regulations.
MSBs can do a great deal to help the federal government in its anti-money laundering
efforts. At a minimum, MSBs should file all BSA reports accurately and in a timely
fashion, create and maintain accurate BSA records for the requisite time period, establish
and maintain appropriate compliance programs and follow all Treasury Department
guidance related to the BSA.
Any person doing business, providing one or more of the following services is considered
an MSB:
currency dealing or exchange
check cashing
sale of money orders or traveler’s check
money transfer
stored valued
US Postal Service
To register visit web page www.fincen.gov and use FinCen Form 107 TD F 90-22.55
Any person that knowingly does not comply with registering requirements could be fined
up to $5,000 for each violation of the law. Each day in violation, constitutes an
additional new violation.
In addition there are criminal fine penalties and jail sentence for up to 5 years.
Pursuant to BSA law Title 31 CFR 103.125; all money services businesses (MSB) are
required to implement procedures to respond to requests for information and/or
documents and visits from representatives of the law, such as FBI, Police Department,
IRS, etc.
9 Registration – Certain MSBs must register and maintain a list of agents, if any.
ADDITIONAL INFORMATION
For answers to your questions about BSA reporting and recordkeeping requirements,
please visit www.msb.gov.
Or call:
To order BSA forms from the IRS Forms Distribution Center 1-800-829-3676
Seminario de Entrenamiento
Para generar un “rastro de papeles” mediante
reportes al gobierno
Entidades reguladoras:
Entidades reguladas:
Property of Intermex 1
Actividades Sospechosas Ejemplos de Actividades Sospechosas
Diseñada para evadir requisitos de ley Dos o mas clientes utilizan el mismo
d
documento pero con foto
f o nombres
b
diferentes
Aparenta no tener sentido común
Estructurar transacciones para evadir
Utiliza un MSB para facilitar el crimen requisitos de la ley
Un cliente utiliza una lista de nombres para Title 31 CFR, Sec. 103.63 (c)
hacer varias transacciones
Property of Intermex 2
Ejemplos de Señales de Alerta
Nota importante:
Identificación falsa
Es ilegal decirle a las personas envueltas en la Aparte de estos limites específicos, Intermex hará un
análisis de la frecuencia de giros de un cliente, y
transacción que se envió un SAR podría exigir la forma 1025 en ese momento.
Property of Intermex, Reproduction Property of Intermex, Reproduction
3/9/2010 prohibited 3/9/2010 prohibited
Documentación aceptable:
Venta de Money Orders de $3,000 a
$10,000 (simple y múltiple)
Licencia de Conducir (US)
Tarjeta del Seguro Social o ITIN (US)
Tarjeta de Residencia (US) Obtener y verificar documentos de
Permiso de Trabajo (US) identificación del cliente
Tarjeta Militar (US)
Tarjeta de Elector
Mantener los registros por 5 años
Cedula de Identidad
Property of Intermex 3
Reporte de Actividades Sospechosas SAR Reporte de transacciones en efectivo
(CTR)
Registrar toda información relevante a una
actividad sospechosa en un formulario SAR
Transacciones de mas de $10,000 de entrada
Enviar el SAR a: o salida de dinero efectivo
Enterprise Computing Center - Detroit
Attn: SAR-
SAR-MSB
Por la misma persona, o por orden de la
P.O. Box 33117
misma persona
Detroit, MI 48232-
48232-0980
Property of Intermex 4
Penalidades
Sistema de filtro OFAC
Civiles y Criminales
Protege a la empresa de individuos sancionados o Por no cumplir con la ley BSA
bloqueados
Por negligencia
Filtra a todos los remitentes y beneficiarios Multa de hasta $500
Con intención
Posibles similitudes son evaluadas con identificación Multa igual a la cantidad de la transacción o transacciones
del cliente hasta $100,000 (Mínimo 25,000)
La ayuda que los MSB pueden ofrecer a Detroit Computing Center hotline 1-
1-800
800--800
800--2877
las autoridades es valiosa siempre que los
FinCEN Regulatory helpline 1
1--800
800--949
949--2732
reportes sean diligenciados correctamente,
MSB
Property of Intermex 5
Money Service Business Requisito para registrarse como MSB con
FinCEN:
MSB Si hace transacciones de mas de $1,000 para
Una persona que hace negocio en alguno los cualquier persona en un solo día en los
siguientes rubros:
siguientes rubros es considerado un MSB:
Cambio de divisas
Cambio de divisas Canje de cheques
Canje de cheques Compra o Venta de Money Orders o cheques de
Venta de Money Orders o cheques de viajero viajero o valores almacenados
Remesas de dinero
Correo postal Si hace transacciones de remesas de dinero
Valor agregado electrónico directamente por si solo, sin importar el
monto.
Property of Intermex, Reproduction Property of Intermex, Reproduction
3/9/2010 prohibited 3/9/2010 prohibited
Penalidades:
Excepciones:
Una persona que concientemente no cumple
con los requisitos de registro se le podría
Si solo actúa como agente de otro MSB, siempre y
cuando no efectué alguna actividad de MSB por si aplicar una penalidad civil de hasta $5,000
solo. por cada violación de la ley. Cada día que
este
t en violación,
i l ió constituye
tit una violación
i l ió
Registrarse utilizando la forma: nueva adicional.
FinCen 107
TD F 90
90--22.55 Aparte existen penalidades criminales de
multas y pena de cárcel de hasta 5 años.
opera sin una licencia apropiada para enviar dinero en un Estado en que
Gracias por su atención
dicha operación es sancionada como un delito menor o felonía bajo la ley
estatal aunque la persona que actúa como tal,
estatal, tal tenga o no conocimiento de
que la operación requiere de una licencia o que la operación es penalizada.
penalizada.
Property of Intermex 6
4 AML/BSA POWER POINT
TRAINING PRESENTATION
ENGLISH
Bank Secrecy Act (BSA)
The Bank Secrecy Act
and Created by Congress in 1970, and
Anti--Money Laundering
Anti amended by the Patriot Act of 2001
Program To combat money laundering and other
financial crimes
Training Seminar
To create a ““paper
paper trail
trail”” through specialized
reporting
Regulating Untities:
Untities:
Regulated entities
entities::
US Department of Treasury
FinCEN (Financial Crimes Enforcement Network) Banks
IRS (Internal
(Internal Revenue Service
Service)) Savings and loans institutions
OFAC (Office of Foreign Assets Control)
Credit Unions
OCC (Currency
(Currency Controler
Controler))
Money Service Business (MSB)
Other financial institutions
State Departments of Banking and Finance
Property of Intermex 1
Stages of Money Laundering Suspicious Activity
Placement: To mingle illegal funds into the financial
system. Includes structured deposits. Involves funds derived from illegal activities
Layering: Move funds throughout the financial system
in a series of complex transactions to create confusion Designed to evade legal requirements
and make it difficult to trace
trace.
Integration: Once funds are in the financial system Appears to serve no apparent lawful purpose
and isolated through the layering process, the
integration step is used to create the appearance of
legality through legal investments and businesses.
Uses an MSB to facilitate the crime
Property of Intermex 2
Red Alert Examples
Important:
False Identification Documents
Passport
Record transaction information
Consular ID Card / Matricula Consular
Property of Intermex 3
Suspicious Activity Report - SAR Currency Transaction Report (CTR) –
Record relevant information on FinCen
FinCen Form 104
Form 109
Involves one or series of transactions of
Send SAR report to: $10,000 or more in either cash-in or cash-out
Enterprise Computing Center - Detroit
Attn: SAR-MSB
P.O. Box 33117
Is conducted by, or on behalf of, the same
Detroit, MI 48232-0980 person, and
Keep record and supporting documents Is conducted on the same business day
for 5 years
Property of Intermex, Reproduction Property of Intermex, Reproduction
3/9/2010 prohibited 3/9/2010 prohibited
To file a CTR:
Anti-Money Laundering Program
Verify and record customer identification
Record customer transaction information Each MSB and agencies of an MSB are
required to have and implement anti-
Make a copy of the completed CTR money laundering program (AML). See
Federal Regulation 31 CFR 103.125.
Send the original to:
Property of Intermex 4
OFAC System Filter Civil and Criminal Penalties
Safeguards against individuals sanctioned or blocked Failure to comply with BSA law
persons
For negligence
Filters all remitters and beneficiaries Fines for $500 for each violation
With intention
Possible matches are evaluated against the customer Fines for the same amount involved in the transaction (s) or
identification up to $100,000 (Minimum of $25,000)
MSB’s can do a great deal to help the FinCEN Regulatory helpline 1-800-949-2732
federal government by accurately and
To order guidance material 1-800-386-6329
timely reporting, and maintaining BSA
records for the requisite time period. To order regulatory BSA forms 1-800-829-3676
MSB
Property of Intermex 5
Money Service Business Requirements to register with FinCen as an
MSB:
MSB
conducts a transaction or series of transactions
Any person doing business, providing one
adding to more than $1,000 with one person in any
or more of the following services is one day in the following service business activity:
considered an MSB:
currency dealing or exchange Currencyy dealing
g or exchange
g
Check cashing
check cashing
Sale or purchase of Money Orders or traveler’s check or store
sale of money orders or traveler’s check valued
money transfer
stored valued Provides money transfer services on its own for any
amount.
US Postal Service
Property of Intermex, Reproduction Property of Intermex, Reproduction
3/9/2010 prohibited 3/9/2010 prohibited
Property of Intermex 6
4 OFICINA DE CONTROL DE BIENES
EXTRANJEROS (OFAC)
ESPAÑOL
Protegiendo Nuestra Seguridad Nacional:
La Importancia de Cumplir con
la Oficina de Control de Bienes Extranjeros (OFAC)
para las Empresas de Servicios Monetarios
Hace unos meses, un individuo entró en una Casa de Cambio grande y pagó dinero
en efectivo para enviar un giro a otro país. Ya que la cantidad era pequeña, la casa de
cambio no obtuvo información adicional de identificación del remitente. Cuando el
nombre del remitente se buscó en la lista de la OFAC, se encontró una coincidencia
exacta en la lista de Terroristas Globales Especialmente Designados de la OFAC.
Adicionalmente, el beneficiario estaba en el último país donde se sabía que el
terrorista había estado. En el momento en que la Casa de Cambio buscó en la lista, el
remitente ya no estaba en la oficina. La Casa de Cambio intentó contactar varias
veces al remitente para obtener información adicional que hubiera llevado a conocer
si él era o no el terrorista, y además esperó varios meses antes de avisar a la OFAC.
Luego, de hecho resultó que el remitente era un terrorista y su dinero debio haber
sido bloqueado de inmediato. Como consecuencia, la Casa de Cambio enfrenta
posibles penalidades por su negligencia, y se perdió un punto importante en la lucha
contra el terrorismo.
La narración anterior ilustra varios puntos que las Empresas de Servicios Monetarios
(ESM) deben tener en cuenta:
Las ESM son una alternativa importante a las instituciones bancarias tradicionales y
pueden ser utilizadas por terroristas y narcotraficantes para transferir dinero dirigido a
propósitos delictivos. Si las ESM no adoptan los procedimientos necesarios para
proteger las transacciones, se crean medios que facilitan el movimiento de dinero de
delincuentes y amenazan la seguridad nacional.
4) Cuando una ESM descubre que una Persona Especialmente Designada de la lista
OFAC está involucrada en una transferencia de dinero, la OFAC debe ser notificada
de inmediato.
Es sumamente importante que la ESM llame a la OFAC si determina que una Persona
Especialmente Designada de la lista de la OFAC esta enviando o recibiendo una
transferencia de dinero. Conocer la ubicación exacta de un terrorista o de un
narcotraficante conocido, es muy importante para las autoridades competentes. Las
ESM tienen la responsabilidad de mantener está información actualizada.
¿Qué es la OFAC?
La Oficina de Control de Bienes Extranjeros (OFAC por sus siglas en inglés) es una
oficina del Departamento del Tesoro de Estados Unidos. La OFAC está autorizada por
el Presidente para administrar y reforzar los programas de sanciones del gobierno
estadounidense.
Estos programas incluyen tanto sanciones para países como Cuba, Irán, y Sudán,
como sanciones para individuos y entidades cuyos nombres aparecen en las listas de
Nacionales Especialmente Designados y Personas Bloqueadas. En el sitio web
www.treas.gov/ofac se pueden consultar las versiones más recientes de estas listas
(SDN) e información acerca de los programas de los paises sancionados.
Las sanciones económicas son usadas por el gobierno estadounidense para prevenir
que los países, entidades, e individuos, usen el sistema financiero estadounidense
para propósitos que van contra la política extranjera de EE.UU. y sus objetivos de
seguridad nacional.
1. Si la coincidencia está en la lista de países objetivo o está en alguna otra lista (por
ejemplo, Lista del Departamento de Comercio EE.UU. o PEP, la CIA, Países no
Cooperativos, Lista Consolidada Canadiense (OSFI), Participantes Inhabilitados por el
Banco Mundial, Archivo de Oficiales Bloqueados, o funcionarios del gobierno de un
País Señalado) cual fue la coincidencia?
• Si usted no está seguro quien debe ser avisado, contacte al proveedor del
software de interdicción que le avisó de la coincidencia.
2. Una vez establezca que hay una coincidencia con las listas de la OFAC o países
objetivo, se debe evaluar la calidad de la coincidencia. Compare el nombre del
individuo o la entidad en las instrucciones de pago con el nombre en la lista de la
OFAC. ¿El nombre en la lista es de un barco o de una compañía? ¿Es el nombre de
un hombre y la persona en la transacción es una mujer, o viceversa?
* Si usted tiene razón para creer que al permitir a esta persona hacer negocios en los
Estados Unidos violaría cualquier Regulacion, debe llamar a la línea 1-800-540-6322 y
explicar lo que sabe o cree.
Remitente:
Francisco Perdomo; 12345 Calle Principal, Ciudad, Estado, EE.UU. Codigo Postal
11111; Número de teléfono: (122) 456-7890
Institución que Recibe:
Banco Agrario de Colombia; Bogotá, Colombia,
Beneficiario:
Eugenio Menezes; Carrera 0, 12-34, Bogotá, Colombia,
¿Qué sucede si quien entró a la oficina era Eugenio Vargas Perdomo? En la lista de la
OFAC, el Sr. Perdomo es un Narcotraficante Especialmente Designado de Colombia.
El gobierno de los Estados Unidos ha identificado su fecha de nacimiento como
Noviembre 18 de 1969, su lugar de nacimiento es una ciudad de Colombia y su
número de cédula es 17344616. (El número de cedula es el equivalente colombiano
de un numero al Seguro Social de EE.UU.) Adicionalmente, el Sr. Perdomo usa el
seudónimo Francisco Dorneles De Menezes. Ahora hay suficientes similitudes entre
los nombres en las instrucciones de pago, que son una combinación de nombres y
alias en la lista de la OFAC, que ameritan recolectar mas información del cliente y
llamar a la línea de emergencia de la OFAC. Usted debe comparar la fecha de
nacimiento, el lugar de nacimiento, y otra informacion para estar seguro que su cliente
y cualquier otro individuo en las instrucciones de pago no está en la lista de la OFAC.
Avisando a la OFAC
Para cualquier pregunta con respecto al cumplimiento con la OFAC, por favor visite
nuestro website:
http://www.treas.gov/ofac
Fax : 202-622-2426
A few months ago, an individual walked into a large Money Service Business (MSB) and paid cash to send a
wire overseas. Because the amount was small, the MSB did not obtain additional identifying information from
the remitter. When the remitter’s name was run against OFAC’s Specially Designated Nationals and Blocked
Persons list, it was an exact match to that of a Specially Designated Global Terrorist. In addition, the beneficiary
was located in the country where the terrorist was last known to be. By the time the MSB ran its OFAC scan on
the name, the remitter was no longer in the office. The MSB attempted several times to contact the remitter to
obtain additional information which would have either definitively identified him as the terrorist or cleared him,
but the MSB waited several months before contacting OFAC. As it turns out, the remitter was in fact a terrorist
target and his funds should have been blocked immediately. The MSB now faces possible civil penalties for its
negligence, and an important lead in the fight against terrorism was lost.
MSBs are an important alternative to traditional banking institutions and may be used by terrorists and narcotics
traffickers to transfer money for nefarious purposes. If MSBs neglect to adopt procedures for screening
transactions, this creates an available means for criminals to move money and threatens U.S. national security.
2) It is illegal to facilitate a money transfer to an SDN, regardless of the amount of the transfer.
Contrary to a common misconception, the OFAC regulations do not contain an exception for deminimis
transactions. An MSB may be penalized for processing a transaction of any amount if a Specially Designated
National or Blocked Person (SDN) is a party to the transaction. By interdicting and reporting all transactions
involving sanctions targets, regardless of the amount, you may well prevent a terrorist act or other activity that
threatens to undermine U.S. national security and foreign policy objectives.
3) OFAC recommends that MSBs collect all information on the remitter and the beneficiary before the remitter
leaves the office.
To determine if a party to a transaction is on OFAC’s SDN list, the MSB should collect all necessary
information from the remitter before he or she leaves the office. This “know your customer” principle entails
asking for documentation proving the identity of your customer in order to compare it to the individuals and
entities on the SDN list. If the MSB does not validate the identity and contact information of the remitter before
he or she leaves the office, it may be unable to obtain the information at a later time. This will make it
impossible to determine whether or not there is a true match to the list and delay notification of law enforcement
when a criminal is involved.
4) When an MSB discovers that an SDN is involved in a funds transfer, OFAC should be notified immediately.
It is absolutely critical that an MSB call OFAC if it determines that an SDN is originating or receiving a funds
transfer. Knowing the exact location of a known terrorist or narcotics trafficker is valuable information for law
enforcement. MSBs have a responsibility not to let the information become outdated!
What is OFAC?
The Office of Foreign Assets Control (OFAC) is an office of the U.S. Department of the Treasury. OFAC is
empowered by the President to administer and enforce the U.S. government’s sanctions programs. These
programs include both country sanctions, such as Cuba, Iran, and Sudan, as well sanctions placed on individuals
and entities whose names are place on the Specially Designated Nationals and Blocked Persons (SDN) list. See
www.treas.gov/ofac for the most recent version of the SDN list and country sanctions program brochures.
Economic sanctions are used by the U.S. government to prevent targeted countries, entities, and individuals
from, among other things, accessing the U.S. financial system for purposes that are contrary to U.S. foreign
policy and national security objectives.
1. Is the “hit” or “match” listed on the payment instructions against OFAC’s SDN list or targeted countries, or
is it “hitting” for some other reason (i.e., Commerce Control List or PEP, CIA, No n-Cooperative Countries and
Territories, Canadian Consolidated List (OSFI), World Bank Debarred Parties, Blocked Officials File, or
government official of a designated country), or can you tell what the hit is?
• If the name is hitting against OFAC’s SDN list or targeted countries, continue to Step 2 below.
• If it is hitting for some other reason, you should contact the “keeper” of whichever other list the match is
hitting against. For questions about: (1) The Denied Persons List and the Entities List, please contact the
Bureau of Industry and Security at the U.S. Department of Commerce at 202-482-4811, (2) The FBI’s
Most Wanted List or any other FBI-issued watch list, please see the Federal Bureau of Investigation’s
website at www.fbi.gov/contact/fo/fo.htm, (3) The Debarred Parties List, please contact the Office of
Defense Trade Controls at the U.S. Department of State, 202-663-2700, or (4) The Bank Secrecy Act
and the USA PATRIOT Act, please contact the Financial Crimes Enforcement Network (FinCEN) at 1-
800-949-2732.
• If you are unsure whom to contact, please contact the provider of the interdiction software that told you
there was a hit.
• If you cannot tell what the hit is, you should contact the provider of the interdiction software which told
2
you there was a hit.
2. Now that you have established that the hit is against OFAC’s SDN list or targeted countries, you must
evaluate the quality of the hit. Compare the name of the individual or entity on your payment instructions with
the name on the SDN list. Is th e name on the SDN list a vessel or a company rather than an individual (or vice-
versa)? Is the name on the SDN list a male’s name whereas the person on your payment instructions is a
female?
3. How much of the SDN’s name is matching against the name on your payment instructions? Is only one of two
or more names matching (i.e., just the last name or just the first name)?
4. Compare the complete SDN entry with all of the information you have on the matching name on your
payment instructions. An SDN entry often will have, for example, a full name, address, nationality, passport, tax
ID or cedula number, place of birth, date of birth, former names and aliases. Are you missing a lot of this
information for the name on your payment instructions?
• If yes, go back and get more information and then compare your complete information against the SDN
entry.
• If no, please continue to Step 5 below.
5. Are there important similarities or exact matches between the information provided by the remitter and
OFAC’s SDN entry?
* If you have reason to know or believe that allowing this person to do business in the United States would
violate any of the Regulations, you should call the hotline and explain this knowledge or belief.
An individual enters an MSB office intending to send a $200.00 funds transfer to an individual in Colombia. He
promptly prepares the following payment instructions :
Payment Order
Originator/By-Order Party:
Francisco Perdomo; 12345 Main Street, Anywhere Town, US 11111; Phone Number: (122)
456-7890
Account-With Institution:
Banco Agrario de Colombia; Bogota, Colombia
Beneficiary:
Eugenio Menezes; Carrera 0, 12-34, Bogota, Colombia
3
When the above transaction data is run through the MSB’s interdiction software, the employee sees the
following alerts:
ü The by-order party, Francisco Perdomo, is a potential match to Eugenio Vargas Perdomo.
ü The beneficiary, Eugenio Menezes, is a potential match to Francisco Dorneles de Menezes.
With this information flagged, your staff must now determine whether the individuals involved in this
transaction are actually the individuals on the SDN list. Have you complied with the requirement to “know your
customer?” Did you obtain valid identification on Francisco Perdomo when he walked into your office? Did he
furnish a valid driver's license, passport, visa or other form of I.D.? If you did not ask these questions , then you
may have "missed the boat" in exercising your due diligence with respect to OFAC compliance.
What if the actual person who came into your office was Eugenio Vargas Perdomo. On the SDN list, Mr.
Perdomo is a Specially Designated Narcotics Trafficker Kingpin (SDNTK) located in Colombia. The U.S.
Government has identified his date of birth to be November 19, 1969, his place of birth to be in Colombia, and
his cedula number as 17344616. (A cedula number is the Colombian equivalent of a U.S. social security
number.) Additionally, Mr. Perdomo uses the alias Francisco Dorneles De Menezes. There are enough
similarities between the names on your payment instructions, which are a combination of the SDN’s name and
alias, and the individual on the SDN list to merit collecting much more information from your customer and
calling the OFAC Hotline. You should compare dates of birth, places of birth, and other identifier information
to be sure that your customer and any other individuals on the payment instructions are not on the OFAC list.
Contacting OFAC
If you have any questions regarding OFAC compliance, please visit our website :
http://www.treas.gov/ofac
4
BANK SECRECY ACT (BSA) AND
ANTI-MONEY LAUNDERING (AML)
COMPLIANCE PROGRAM
1. I have adopted the AML/BSA compliance program provided by Intermex, and further
understand that in order to implement and maintain an adequate compliance program, I
may have to additionally incorporate my own policies, procedures and internal controls that
must be commensurate with the risks posed by the location and size of, and the type and
volume of the financial services provided.
2. I will periodically train all members of my staff in the appropriate implementation of these
procedures, and that I will keep my staff, existing and new hires, updated on these and
any other procedures provided by Intermex.
3. I further agree that I will periodically monitor the implementation of these procedures by
my staff, and that I will be responsible for the compliance of these procedures, and any
changes made to them, in accordance with government or Intermex regulations.
________________________ _______________________________
Signature of Agency Owner Signature of Intermex Representative
________________________
Agency Name
FAX TO 1-800-828-2900
1 Check this box only if amending or correcting a prior report (see item 1 instructions) 1a Check this box if this is a recurring report
3 Subject type (check only one box) a Purchaser/sender b Payee/receiver c Both a & b z Other
*4 Individual’s last name or entity’s full name *5 First name 6 Middle initial
*7 Address
*13 SSN/ITIN (individual) or EIN (entity) *14 Date of birth 15 Telephone number
______/______/________
MM DD YYYY
( )
Part II Suspicious Activity Information
*16 Date or date range of suspicious activity *17 Total amount involved in suspicious activity a Amount unknown
*19 Financial services involved in the suspicious activity and character of the suspicious activity, including unusual use (check all that apply).
a Money order b Traveler’s check c Money transfer
z Other _______________________________________________________ e Currency exchange
Check all of the following that apply
(1) Alters transaction to avoid completing funds transfer record (5) Individual(s) using multiple or false identification documents
or money order or traveler’s check record ($3,000 or more) (6) Two or more individuals using the similar/same identification
(2) Alters transaction to avoid filing CTR form (more than $10,000) (7) Two or more individuals working together
(3) Comes in frequently and purchases less than $3,000 (8) Same individual(s) using multiple locations over a short time period
(4) Changes spelling or arrangement of name (9) Offers a bribe in the form of a tip/gratuity
If mailing, send each completed SAR report to: A free secure e-filing system is available to file this report.
Enterprise Computing Center - Detroit Go to http://bsaefiling.fincen.treas.gov for more
Attn: SAR-MSB information and to register.
P.O. Box 33117
Detroit, MI 48232-0980
*21 Currency Exchanges: Tendered Currency/Instrument Country Received currency Country Amount (US Dollars)
23 Type of business location (check only one) a Selling location b Paying location c Both
*26 Permanent address (number, street, and suite no.) *27 City *28 State *29 Zip Code
*30 EIN (entity) or SSN/ITIN (individual) *31 Business telephone number 32 Country 33 Internal control/file number
Code (If available)
( ) (If not US)
Part IV Reporting Business 34 The Reporting Business is the same as the Transaction Location (go to Part V)
*37 Permanent address (number, street, and suite no.) *38 City *39 State *40 Zip Code
*41 EIN (entity) or SSN/ITIN (individual) *42 Business phone number (include area code) 43 Country 44 Internal control/file number
Code (If available)
( ) (If not US)
( ) ______/______/________
MM DD YYYY
48 Agency (If not filed by a Money Services Business)
Part VI Suspicious Activity Information - Narrative* 3
Explanation/description of suspicious activity(ies). This section of the report is critical. The care with which it is completed may determine whether or
not the described activity and its possible criminal nature are clearly understood by investigators. Provide a clear, complete and chronological description
of the activity, including what is unusual, irregular or suspicious about the transaction(s). Use the checklist below, as a guide, as you prepare your
description. The description should cover the material indicated in Parts I, II and III, but the money services business (MSB) should describe any other
information that it believes is necessary to better enable investigators to understand the suspicious activity being reported.
a. Describe conduct that raised suspicion. or any exchanges of a foreign currency were involved. If so, identify
b. Explain whether the transaction(s) was completed or only attempted. the currency, country, and sources and destinations of money.
c. Describe supporting documentation and retain such documentation m. Indicate any additional account number(s), and any foreign bank(s)
for your file for five years. account numbers which may be involved in transfer of money.
d. Indicate a time period, if it was a factor in the suspicious transaction(s). n. Identify any employee or other individual or entity (e.g., agent)
For example, specify the time and whether it occurred during AM or suspected of improper involvement in the transaction(s).
PM. If the activity covers more than one day, identify the time of day o. For issuers, indicate if the endorser of money order(s) and/or
when such activity occurred most frequently. traveler’s check(s) is different than payee. If so, provide the individual
e. Retain any admission or explanation of the transaction(s) provided by or entity name; bank’s name, city, state and country; ABA routing
the subject(s) or other persons. Indicate when and to whom it was number; endorser’s bank account number; foreign non-bank name
given. (if any); correspondent bank name and account number (if any); etc.
f. Retain any evidence of cover-up or evidence of an attempt to p. For selling or paying locations, indicate if there is a video recording
deceive federal or state examiners, or others. medium or surveillance photograph of the customer.
g . Indicate where the possible violation of law(s) took place (e.g., q. For selling or paying locations, if you do not have a record of a
main office, branch, agent location, etc.). government issued identification document, describe the type, issuer
h. Indicate whether the suspicious activity is an isolated incident or and number of any alternate identification that is available (e.g., for a
relates to another transaction. credit card specify the name of the customer and credit card number.)
i. Indicate for a foreign national any available information on subject’s r. For selling or paying locations, describe the subject(s) if you do not
passport(s), visa(s), and/or identification card(s). Include date, country, have the identifying information in Part I or if multiple individuals use
city of issue, issuing authority, and nationality. the same identification. Use descriptors such as male, female, age, etc.
j. Indicate whether any information has been excluded from this s. If amending a prior report, complete the form in its entirety and note
report; if so, state reasons. the changes here in Part VI.
k. Indicate whether any U.S. or foreign instrument(s) were involved. t. If a law enforcement agency has been contacted, list the name of the
If so, provide the amount, name of currency, and country of origin. agency and the name of any person contacted, their title, their
l. Indicate whether any transfer of money to or from a foreign country, telephone number, and when they were contacted.
Supporting documentation should not be filed with this report. Maintain the information for your files.
Enter the explanation/description narrative in the space below. If necessary, continue the narrative on a duplicate of this page or a blank page.
Tips on SAR form preparation and filing are available in the SAR Activity Reviews at www.fincen.gov/pub_reports.html.
Legal disclaimers will not be included in this narrative. Also, do not include charts or tables.
FinCEN Form 109a Suspicious Activity Report by Money Services Business -- Instructions 1
Safe Harbor or evade any Federal law or regulation or to avoid negotiable or other instruments. The taking of the
any transaction reporting requirement under instruments in exchange for goods or general ser-
Federal law (31 U.S.C. 5318(g)(3)) provides Federal law or regulation; vices is not redemption under BSA regulations.
complete protection from civil liability for all
reports of suspicious transactions made to ii. The transaction is designed, whether C. General Instructions
appropriate authorities, including supporting through structuring or other means, to evade any
documentation, regardless of whether such regulations promulgated under the Bank Secrecy 1. This form should be e-filed through the
reports are filed pursuant to this report’s Act; or Bank Secrecy Act E-filing System. Go to
instructions or are filed on a voluntary basis. http://bsaefiling.fincen.treas.gov to register. This
Specifically, the law provides that a financial iii. The transaction has no business or form is also available for download on the Finan-
institution, and its directors, officers, employees apparent lawful purpose and the money services cial Crimes Enforcement Network’s Web site at
and agents, that make a disclosure of any possible business knows of no reasonable explanation for www.fincen.gov, or may be ordered by calling the
violation of law or regulation, including in the transaction after examining the available facts, IRS Forms Distribution Center at (800) 829-3676.
connection with the preparation of suspicious including the background and possible purpose
activity reports, “shall not be liable to any person of the transaction. 2. If not filed electronically or through magnetic
under any law or regulation of the United States, media, send each completed suspicious activity
any constitution, law, or regulation of any State or iv. The transaction involves the use of the report to:
political subdivision of any State, or under any money services business to facilitate criminal
contract or other legally enforceable agreement activity. Enterprise Computing Center-Detroit
(including any arbitration agreement), for such ATTN: SAR-MSB
disclosure or for any failure to provide notice of b. To the extent that the identification of P.O. Box 33117
such disclosure to the person who is the subject transactions required to be reported is derived Detroit, MI 48232-5980
of such disclosure or any other person identified from a review of clearance records or other similar
in the disclosure”. records of money orders or traveler’s checks that 3. While all items should be completed fully
have been sold or processed, an issuer of money and accurately, items marked with an asterisk (*)
Notification Prohibited orders or traveler’s checks shall only be required must be completed according to the provisions of
to report a transaction or a pattern of transactions paragraph 4 below.
Federal law (31 U.S.C. 5318(g)(2)) provides that that involves or aggregates funds or other assets
a financial institution, and its directors, officers, of at least $5,000. 4. If the information for a item marked with a
employees, and agents, who report suspicious asterisk (*) is not known or not applicable, enter
transactions to the government voluntarily or as 2. File a SAR-MSB no later than 30 calendar special response “XX” to complete the item. To
required by 31 CFR 103.20, may not notify any days after the date of initial detection of facts that indicate “Total amount” as unknown, check the
person involved in the transaction that the constitute a basis for filing the report. box provided. Non-asterisk fields should be left
transaction has been reported.
blank if the information is unknown or not
3. The Bank Secrecy Act requires that each
Notification Required applicable.
financial institution (including a money services
business) file currency transaction reports (CTRs)
In situations involving suspicious transactions 5. Complete each suspicious activity report by
in accordance with the Department of the Treasury
requiring immediate attention, such as ongoing providing as much information as possible on
implementing regulations (31 CFR Part 103). These
money laundering schemes, a money transmitter; initial and amended or corrected reports.
regulations require a financial institution to file a
a currency dealer or exchanger; or an issuer, CTR (FinCEN Form 104) whenever a currency
seller, or redeemer of money orders and/or 6. Do not include supporting documents when
transaction exceeds $10,000. If a currency
traveler’s checks shall immediately notify, by filing the suspicious activity report . Retain a copy
transaction exceeds $10,000 and is suspicious, a
telephone, an appropriate law enforcement of the suspicious activity report and all supporting
money transmitter, or issuer, seller or redeemer
authority. In addition, a timely SAR-MSB form documentation or business record equivalent in
of money orders and/or traveler’s checks or
shall be filed, including recording any such your files for five (5) years from the date of the
currency dealer or exchanger must file two forms,
notification in Part VI on the form. report. All supporting documentation (such as
a CTR to report the currency transaction and a
copies of instruments; receipts; sale, transaction
SAR-MSB to report the suspicious aspects of the
A. When To File A Report: or clearing records; photographs, surveillance
transaction. If the suspicious activity involves a
audio and/or video recording medium) must be
currency transaction that is $10,000 or less, the
1. Money transmitters; currency dealers and made available to appropriate authorities upon
institution is only required to file a SAR-MSB.
exchangers; and issuers, sellers and redeemers request.
Appropriate records must be maintained in each
of money orders and/or traveler’s checks that are case. See 31 CFR Part 103
subject to the requirements of the Bank Secrecy 7. Type or complete the report using block
Act and its implementing regulations (31 CFR Part written letters.
B. Abbreviations and Definitions
103) are required to file a suspicious activity report
(SAR-MSB) with respect to: 8. If more than one subject is being reported,
1. EIN -- Employer Identification Number
use as many copies of the Part I Subject Information
2. IRS -- Internal Revenue Service
a. Any transaction conducted or attempted page as necessary to record the additional subjects.
3. ITIN -- Individual Taxpayer Identification
by, at, or through a money services business Attach the additional page(s) behind page 1. If
Number
involving or aggregating funds or other assets of more than one transaction location is being
4. SSN -- Social Security Number
at least $2,000 (except as described in section reported, use as many copies of the Part III
5. Instruments -- includes Money order(s)
“b” below) when the money services business Transaction Location Information page as necessary
and/or Traveler’s Check(s)
knows, suspects, or has reason to suspect that: to record the additional locations. Attach the
additional page(s) behind page 2. If more space
6. Redeemer --A business that accepts
i. The transaction involves funds derived is needed for the Part VI Narrative, add as many
instruments in exchange for currency or other
from illegal activity or is intended or conducted blank continuation pages as necessary to complete
instruments for which it is not the issuer is a
in order to hide or disguise funds or assets derived the narrative. Attach the additional pages behind
redeemer. The MSB definition in 31 CFR
from illegal activity (including, without limitation, page 3.
103.11(u)(4) extends to “redeemers” of money
the nature, source, location, ownership or control orders and traveler’s checks only insofar as the
of such funds or assets) as part of a plan to violate instruments involved are redeemed for monetary
value — that is, for currency or monetary or other
14 If an individual, describe method used to verify identity: a Driver’s license/State I.D. b Passport c Alien registration
Part II Amount and Type of Transaction(s). Check all boxes that apply.
28 Date of transaction
26 Total cash in $ .00 27 Total cash out $ .00 ____/____/_______
MM DD YYYY
26a Foreign cash in .00 27a Foreign cash out .00
(see instructions, page 4) (see instructions, page 4)
( )
For Paperwork Reduction Act Notice, see page 4. Cat. No. 37683N FinCEN Form 104 (Formerly Form 4789) (Rev. 08-03)
FinCEN Form 104 (formerly Form 4789) (Eff. 12-03) Page 2
Multiple Persons
Complete applicable parts below if box 1b on page 1 is checked
14 If an individual, describe method used to verify identity: a Driver’s license/State I.D. b Passport c Alien registration
14 If an individual, describe method used to verify identity: a Driver’s license/State I.D. b Passport c Alien registration
Suspicious Transactions document(s). Acceptable forms of identification include Item 1c. Multiple Transactions. If the financial institution
driver’s license, military and military/dependent has knowledge that there are multiple transactions, check
This Currency Transaction Report (CTR) should NOT be identification cards, passport, state issued identification Item 1c.
filed for suspicious transactions involving $10,000 or less card, cedular card (foreign), non-resident alien
in currency OR to note that a transaction of more than identification cards, or any other identification document PART I - Person(s) Involved in Transaction(s)
$10,000 is suspicious. Any suspicious or unusual activity or documents, which contain name and preferably
should be reported by a financial institution in the manner address and a photograph and are normally acceptable Section A must be completed. If an individual conducts
prescribed by its appropriate federal regulator or BSA by financial institutions as a means of identification when a transaction on his own behalf, complete Section A and
examiner. (See the instructions for Item 37). If a cashing checks for persons other than established leave Section “B” BLANK. If an individual conducts a
transaction is suspicious and in excess of $10,000 in customers. transaction on his own behalf and on behalf of another
currency, then both a CTR and the appropriate Suspicious person(s), complete Section “A” for each person and
Activity Report form must be filed. Acceptable identification information obtained previously leave Section “B” BLANK. If an individual conducts a
and maintained in the financial institution’s records may transaction on behalf of another person(s), complete
In situations involving suspicious transactions be used. For example, if documents verifying an Section “B” for the individual conducting the transaction,
requiring immediate attention, such as when a individual’s identity were examined and recorded on a and complete Section “A” for each person on whose
reportable transaction is ongoing, the fianacial signature card when an account was opened, the financial behalf the transaction is conducted of whom the financial
institution may rely on that information. In completing the institution has knowledge.
institution shall immediately notify, by telephone,
CTR, the financial institution must indicate on the form
appropriate law enforcement and regulatory
the method, type, and number of the identification. Section A. Person(s) on Whose Behalf Transaction(s)
authorities in addition to filing a timely suspicious Statements such as “known customer” or “signature card Is Conducted. See instructions above.
activity report. on file” are not sufficient for form completion.
Items 2, 3, and 4. Individual/Organization Name. If
General Instructions Penalties. Civil and criminal penalties are provided for the person on whose behalf the transaction(s) is conducted
failure to file a CTR or to supply information or for filing a is an individual, put his/her last name in Item 2, first
Who Must File. Each financial institution (other than a false or fraudulent CTR. See 31 U.S.C. 5321, 5322 and name in Item 3, and middle initial in Item 4. If there is no
casino, which instead must file FinCEN Form 103, and 5324. middle initial, leave item 4 BLANK. If the transaction is
the U.S. Postal Service for which there are separate rules) conducted on behalf of an entity, put its name in Item 2
must file FinCEN Form 104 (formerly 4789) (CTR) for For purposes of this CTR, the terms below have the and leave Items 3 and 4 BLANK.
each deposit, withdrawal, exchange of currency, or other following meanings:
payment or transfer, by, through, or to the financial Item 5. Doing Business As (DBA). If the financial
institution which involves a transaction in currency of Currency. The coin and paper money of the United institution has knowledge of a separate “doing business
more than $10,000. Multiple transactions must be treated States or any other country, which is circulated and as” name, enter it in Item 5. For example, Smith Enterprise
as a single transaction if the financial institution has customarily used and accepted as money.
DBA MJ’s Pizza.
knowledge that (1) they are by or on behalf of the same
person, and (2) they result in either currency received Person. An individual, corporation, partnership, trust or
estate, joint stock company, association, syndicate, joint Item 6. SSN/ITIN or EIN. Enter the Social Security
(Cash In) or currency disbursed (Cash Out) by the financial
venture or other unincorporated organization or group. Number (SSN) or Individual Taxpayer Identification
institution totaling more than $10,000 during any one
Number (ITIN) or Employer Identification Number (EIN)
business day. For a bank, a business day is the day on
Organization. Entity other than an individual. of the person or entity identified in Item 2. If none, write
which transactions are routinely posted to customers’
NONE.
accounts, as normally communicated to depository
customers. For all other financial institutions, a business Transaction in Currency. The physical transfer of
currency from one person to another. This does not Items 7, 9, 10, 11, and 12. Address. Enter the permanent
day is a calendar day.
include a transfer of funds by means of bank check, bank address including ZIP Code of the person identified in
draft, wire transfer or other written order that does not Item 2. Use the U.S. Postal Service’s two letter state
Generally, financial institutions are defined as banks,
involve the physical transfer of currency. abbreviation code. A P. O. Box should not be used by
other types of depository institutions, brokers or dealers
itself, and may only be used if there is no street address.
in securities, money transmitters, currency exchangers,
check cashers, and issuers and sellers of money orders Negotiable Instruments. All checks and drafts (including If a P. O. Box is used, the name of the apartment or suite
and traveler’s checks. Should you have questions, see business, personal, bank, cashier’s and third-party), number, road or route number where the person resides
the definitions in 31 CFR Part 103. money orders, and promissory notes. For purposes of must also be provided. If the address is outside the
this CTR, all traveler’s checks shall also be considered U.S., provide the street address, city, province or state,
negotiable instruments whether or not they are in bearer postal code (if known), and the two letter country code.
When and Where To File. This form should be e-
form. For country code list go to www.fincen.gov/
filed through the Bank Secrecy Act E-filing System.
Go to http: //bsaefiling.fincen.treas.gov/index.jsp to reg_bsaforms.html or telephone 800-949-2732 and select
Foreign exchange rate. If foreign currency is a part of option number 5. If U.S., leave item 12 blank.
register. This form is also available for download on the
a currency transaction that requires the completion of a
Financial Crimes Enforcement Network’s Web site at
CTR, use the exchange rate in effect for the business Item 8. Date of Birth. Enter the date of birth. Eight
www.fincen.gov, or may be ordered by calling the IRS
day of the transaction to compute the amount, in US numerals must be inserted for each date. The first two
Forms Distribution Center at (800) 829-3676. File this dollars, to enter in item 26/27. The source of the exchange
CTR by the 15th calendar day after the day of the will reflect the month, the second two the day, and the
rate that is used will be determined by the reporting last four the year. A zero (0) should precede any single
transaction with the: institution. digit number. For example, if an individual’s birth date is
IRS Detroit Computing Center April 3 1948, Item 8 should read 04 03 1948.
Specific Instructions
ATTN: CTR Because of the limited space on the front and back of the
P.O. Box 33604 Item 13. Occupation, Profession, or Business. Identify
CTR, it may be necessary to submit additional information
Detroit, MI 48232-5604 the occupation, profession, or business of the person on
on attached sheets. Submit this additional information on
whose behalf the transaction was conducted. For
plain paper attached to the CTR. Be sure to put the
Keep a copy of each CTR for five years from the date example: secretary, shoe salesman, carpenter, attorney,
individual’s or entity’s name and identifying number (items
filed. housewife, restaurant, liquor store,etc. Do not use non-
2, 3, 4, and 6 of the CTR) on any additional sheets so that
specific terms such as merchant, self-employed,
if it becomes separated, it may be associated with the
A financial institution may apply to file the CTRs CTR. businessman, etc.
magnetically. To obtain an application to file magnetically,
write to the: Item 1a. Amends Prior Report. If this CTR is being Item 14. If an Individual, Describe Method Used To
filed because it amends a report filed previously, check Verify Identity. If an individual conducts the
IRS Detroit Computing Center Item 1a. Staple a copy of the original CTR to the amended transaction(s) on his/her own behalf, his/her identity must
ATTN: CTR Magnetic Media Coordinator one, complete Part III fully and only those other entries be verified by examination of an acceptable document
P.O. Box 33604 which are being amended. (see General Instructions). For example, check box a if
Detroit, MI 48232-5604 a driver’s license is used to verify an individual’s identity,
Item 1b. Multiple Persons. If this transaction is being and enter the state that issued the license and the number
Identification Requirements. All individuals (except a conducted by more than one person or on behalf of more in items e and f. If the transaction is conducted by an
employees of armored car services) conducting a than one person, check Item 1b. Enter information in Part individual on behalf of another individual not present or
reportable transaction(s) for themselves or for another I for one of the persons and provide information on any on behalf of an entity, enter N/A in Item 14.
person, must be identified by means of an official other persons on the back of the CTR.
FinCEN Form 104 (Formerly 4789 (Eff. 12-03) Page 4
Section B. Individual(s) Conducting Transaction(s) If there is a currency exchange, it should be aggregated Item 36. Other (specify). If a transaction is not identified
(if other than above). Financial institutions should enter separately with each of the Cash In and Cash Out totals. in Items 30-34, check Item 36 and provide an additional
as much information as is available. However, there may description. For example, a person presents a check to
be instances in which Items 15-25 may be left BLANK or Example 1: A person deposits $11,000 in currency to his purchase “foreign currency.” If multiple (more than one)
incomplete. If Items 15-25 are left BLANK or incomplete, savings account and withdraws $3,000 in currency from foreign currencies are involved in the transaction, enter
check one or more of the boxes provided to indicate the his checking account. The CTR should be completed as the amount of the largest foreign currency transaction in
reasons. follows: item 26a or 27a and that currency’s country-code of
Cash In $11,000 and no entry for Cash Out. This is origin in item 29. Then check box 36 and enter the
Example: If there are multiple transactions that, if only because the $3,000 transaction does not meet the reporting additional foreign currencies amount(s) and country-
when aggregated, the financial institution has knowledge threshold. code(s) of origin in the space provided.
the transactions exceed the reporting threshold, and
therefore, did not identify the transactor(s), check box d Example 2: A person deposits $11,000 in currency to his PART III - Financial Institution Where Transaction(s)
for Multiple Transactions. savings account and withdraws $12,000 in currency from Take Place
his checking account. The CTR should be completed as
Items 15, 16, and 17. Individual’s Name. Complete follows: Item 37. Name of Financial Institution and Identity of
these items if an individual conducts a transaction(s) on Cash In $11,000, Cash Out $12,000. This is because Regulator or BSA Examiner. Enter the financial
behalf of another person. For example, if John Doe, an there are two reportable transactions. However, one institution’s full legal name and identify the regulator or
employee of XY Grocery Store, makes a deposit to the CTR may be filed to reflect both. BSA examiner, using the following codes:
store’s account, XY Grocery Store should be identified in
Regulator or BSA Examiner CODE
Section A and John Doe should be identified in section B. Example 3: A person deposits $6,000 in currency to his
Comptroller of the Currency (OCC).........................1
savings account and withdraws $4,000 in currency from
Federal Deposit Insurance Corporation (FDIC)..........2
Items 18, 20, 21, 22, and 23. Address. Enter the his checking account. Further, he presents $5,000 in
Federal Reserve System (FRS).................................3
permanent street address including ZIP Code of the currency to be exchanged for the equivalent in French
Office of Thrift Supervision (OTS)............................4
individual. (See the instructions for Items 7 and 9 through Francs. The CTR should be completed as follows:
National Credit Union Administration (NCUA)...........5
12.) Enter country code if not U.S. (Reference item 12). Cash In $11,000 and no entry for Cash Out. This is
Securities and Exchange Commission (SEC)..............6
because in determining whether the transactions are Internal Revenue Service (IRS)................................7
Item 19. SSN/ITIN. If the individual has a Social Security reportable, the currency exchange is aggregated with U.S. Postal Service (USPS)......................................8
Number, or Individual Taxpayer Indentifcation Number, each of the Cash In and Cash Out amounts. The result is Commodity Futures Trading Commission (CFTC)........9
enter it in Item 19. If the individual does not have an a reportable $11,000 Cash In transaction. The total Cash State Regulator....................................................10
SSN/ITIN, enter NONE. Out amount is $9,000, which does not meet the reporting
threshold. Therefore, it is not entered on the CTR. Items 38, 40, 41, and 42. Address. Enter the street
Item 24. Date of Birth. Enter the individual’s date of address, city, state, and ZIP Code of the financial
birth. (See the instructions for Item 8.) Example 4: A person deposits $6,000 in currency to his institution where the transaction occurred. If there are
savings account and withdraws $7,000 in currency from multiple transactions, provide information of the office or
Item 25. If an Individual, Describe Method Used To his checking account. Further, he presents $5,000 in branch where any one of the transactions has occurred.
Verify Identity. Enter the method used to identify the currency to be exchanged for the equivalent in French
individual’s identity. (See General Instructions and the francs. The CTR should be completed as follows: Item 39. EIN or SSN. Enter the financial institution’s EIN.
instructions for Item 14.) Cash In $11,000, Cash Out $12,000. This is because in If the financial institution does not have an EIN, enter the
determining whether the transactions are reportable, the SSN of the financial institution’s principal owner.
PART II - Amount and Type of Transaction(s) currency exchange is aggregated with each of the Cash
Complete Part II to identify the type of transaction(s) In and Cash Out amounts. In this example, each of the Item 43. Routing (MICR) Number. If a depository
and the amount(s) involved. Cash In and Cash Out totals exceed $10,000 and must institution, enter the routing (Magnetic Ink Character
be reflected on the CTR. Recognition (MICR)) number.
Items 26 and 27. Total Cash In/Total Cash Out. In the
spaces provided, enter the total amount of currency Items 30-33. Check the appropriate item(s) to identify SIGNATURE
received (Total Cash In) or total currency disbursed (Total the following type of transaction(s):
Cash Out) by the financial institution. If foreign currency 30. Wire Transfer(s) Items 44 and 45. Title and signature of Approving
is exchanged, use the U.S. dollar equivalent on the day 31. Negotiable Instrument(s) Purchased Official. The official who reviews and approves the CTR
of the transaction (See “Foreign exchange rates”), and 32. Negotiable Instrument(s) Cashed must indicate his/her title and sign the CTR.
complete item 26a or 27a, whichever is appropriate. 33. Currency Exchange(s)
Item 46. Date of Signature. The approving official must
If less than a full dollar amount is involved, increase that Item 34. Deposits/Withdrawals. Check this item to enter the date the CTR is signed. (See the instructions for
figure to the next highest dollar. For example, if the identify deposits to or withdrawals from accounts, e.g. Item 8.)
currency totals $20,000.05, show the total as $20,001.00. demand deposit accounts, savings accounts, time
deposits, mutual fund accounts, or any other account Item 47. Preparer’s Name. Type or print the full name
Items 26a and 27a. Foreign cash in/Foreign cash out. held at the financial institution. Enter the account of the individual preparing the CTR. The preparer and
If foreign currency is exchanged, enter the amount of number(s) in Item 35. the approving official may not necessarily be the same
foreign currency (Do not convert to U.S. dollars) in items individual.
26a and 27a. Report country of origin in item 29. Item 35. Account Numbers Affected (if any). Enter
the account numbers of any accounts affected by the Items 48 and 49. Contact Person/Telephone Number.
Item 28. Date of Transaction. Insert eight numerals for transactions that are maintained at the financial institution Type or print the name and telephone number of an
each date. (See instructions for Item 8.) individual to contact concerning questions about the CTR.
conducting the transaction(s). If necessary, use additional
sheets of paper to indicate all of the affected accounts.
Paperwork Reduction Act Notice. The requested
Item 29. Foreign Country. If items 26a and/or 27a are
information is useful in criminal, tax, and regulatory
completed indicating that foreign currency is involved, Example 1: If a person cashes a check drawn on an
investigations and proceedings. Financial institutions are
check Item 29 and identify the country. If multiple account held at the financial institution, the CTR should
required to provide the information under 31 U.S.C. 5313
foreign currencies are involved, check box 36 and identify be completed as follows:
and 31 CFR Part 103, commonly referred to as the Bank
the additional country(s) and/or currency(s) involved. Indicate negotiable instrument(s) cashed and provide
Secrecy Act (BSA). The BSA is administered by the U.S.
the account number of the check.
Department of the Treasury ’s Financial Crimes
Determining Whether Transactions Meet the Enforcement Network (FinCEN). You are not required to
Reporting Threshold. If the transaction does not affect an account, make no provide the requested information unless a form displays
entry. a valid OMB control number. The time needed to
Only cash transactions that, if alone or when aggregated, complete this form will vary depending on individual
exceed $10,000 should be reported on the CTR. Example 2: A person cashes a check drawn on another circumstances. The estimated average time is 19 minutes.
Transactions shall not be offset against one another. financial institution. In this instance, negotiable If you have comments concerning the accuracy of this
instrument(s) cashed would be indicated, but no account time estimate or suggestions for making this form simpler,
If there are both Cash In and Cash Out transactions that at the financial institution has been affected. Therefore,
you may write to the Financial Crimes Enforcement
are reportable, the amounts should be considered Item 35 should be left BLANK.
Network, P. O. Box 39, Vienna, VA 22183. Do not send
separately and not aggregated. However, they may be this form to this office. Instead, see When and Where
reported on a single CTR. to File in the instructions.
FORMA 1025
FORM 1025
CONTROL NO._______________________
Transacciones de: $2,000 o más - $1,000 o más a Colombia - $1,000 o más de Oklahoma, deberán ir acompañadas de la FORMA
1025 completa y copia de una identificación valida, legible y con foto. Si la transacción es de $3,000 o más ($1,000 o más para
transacciones de Oklahoma) y la identificación proveída es expedida por el gobierno de USA, además deberá presentar copia de la
tarjeta del Seguro Social o ITIN. Toda la información deberá ser recibida por INTERMEX para que la transacción sea autorizada. El
agente debe guardar esta información por 5 años.
Transactions of: $2,000 or more - $1,000 or more to Colombia - $1,000 or more from Oklahoma, must be accompanied with a
completed FORM 1025 and a copy of a valid and legible picture ID. If the transaction is for $3,000 or more ($1,000 or more for
transactions from Oklahoma) and the ID provided is issued by the US government, a copy of the sender’s SSN or ITIN card must be
provided. All information must be received by INTERMEX before the transaction can be authorized. Agent must keep this information
for 5 years. FAX: 1- 800 - 828-2900
INFORMACIÓN DE LA AGENCIA - AGENCY INFORMATION
_____________________|_________________________________________________________|____________________________
Fecha (Date) Nombre (Name) No. de Agencia (Agency No.)
____________________________|________________________
No. de Giro (Wire No.) Monto (Amount)
___________________________________________________________________________________________________________
Nombre (Name)
___________________________________________________________________________________________________________
Dirección (Address)
__________________________________________|______________|________________________|__________________________
Ciudad (City) Estado (State) Código Postal (Zip Code) Teléfono (Phone)
__________________________________________________|_________________________________________________________
Propósito del giro (Purpose of wire) Origen del dinero (Source of Funds)
__________________________________________________|_________________________________________________________
Relación con el beneficiario (Relationship with the beneficiary)
__________________________________________________|_____________________|___________________________________
No. Lic. de Conducir o ID (Driver’s License or ID No.) Estado (State) Expiración (Expiration Date)
____________________________|____________________________|_____________________|_____________________________
Otra Identificación (Other ID) Numero (Number) País (Country) Expiración (Expiration Date)
____________________________|____________________________|__________________________________________________
No. Seguro Social (ITIN) (SSN) Fecha de Nacimiento (DOB) Ocupación (Occupation)
__________________________________________|___________________________________|_____________________________
Empleador (Employer) Contacto (Contact) Teléfono (Phone)
________________________________________________________________|___________________________________________
Nombre (Name) Fecha de Nacimiento (Date of Birth)
________________________________________________________________|___________________________________________
Dirección (Address) Teléfono (Phone)
__________________________________________|___________________________________________|_____________________
FIRMA DEL CLIENTE FIRMA DEL AGENTE FECHA
(Customer’s Signature) (Agent’s Signature) (Date)
El CLIENTE certifica que la información contenida en esta forma es verdadera, y que el dinero enviado proviene de fuentes legítimas. El AGENTE
certifica que verifico la identidad del cliente revisando una identificación con nombre, foto y dirección o lugar de residencia. El CLIENTE autoriza a
Intermex a obtener información personal no pública que se utilizara solo para el cumplimiento de los requisitos regulatorios. Intermex solo compartirá
esta información con entidades no afiliadas que sean necesarias para realizar esta transacción. CUSTOMER certifies that the information on this form
is true and correct, and that the funds involved are from legitimate sources. AGENT certifies that has verified the customer’s identity by examining a
photo ID containing name, address or place of residence. CUSTOMER authorizes Intermex to collect non-public personal information to be used only for
compliance with regulatory requirements. Intermex will only share this information with non-affiliates that are necessary for the completion of this
transaction.
Revised 11/23/2009
9480 South Dixie Hwy, Miami, FL 33156
Phone (1-800) 792-8017 - Fax (1-800) 828-2900
SS No.
TYPE OF ID
ID No.
*IF PURCHASER IS BUYING MONEY ORDER(S) ON BEHALF OF ANOTHER PERSON, THE FOLLOWING INFORMATION
IS NEEDED FOR THE PERSON ON WHOSE BEHALF THE MONEY ORDER(S) IS BEING PURCHASED: (Complete a
separate form for each person, attach all forms relating to same purchaser together.)
IMPORTANT – Based on the BSA regulations (title 31 CFR 103.29), an MSB that sells money instruments
is required to record cash purchases involving $3,000 - $10,000, inclusive. Multiple purchases during
one business day totaling $3,000 or more shall be treated as one purchase if an individual employee,
director, officer, or partner of the financial institution has knowledge that these purchases have
occurred. Complete entire form and fax along with copy of identification. If purchaser presents US
identification, the social security number must be recorded on this form. Retain this information for a
period of 5 years from the date of the transaction.