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KYC & AML 1. Key elements or four pillars of KYC policy are 2. Expand CFT______________ 3.

Expansion of FIU-IND is ____________ 4.Periodicity of updating of customer identification data, including photographs for low risk customers is ___________. 5.Periodicity of updating of customer identification data, including photographs for medium and high risk customers is ___________. 6. Individuals with debit or credit summations below Rs 10 lacs p.a. are categorized as _______ risk customers. 7. Salaried employee/ pensioners whose income structures are well defined are categorized as _______ risk customers. 8. Small business enterprises and small public Ltd Cos with debit or Credit summation below Rs 10 lacs pa. are categorized as _______ risk customers. 9. Individuals and persons engaged in Business are categorized as _______ risk customers. 10. Firms in Private sector, Private Limited Companies, Public Ltd Companies with debit or credit summations of Rs 10 lacs to Rs 1crore p.a are categorized as _______ risk customers. 11. Accounts of firms in Private Sector, Private Limited Company and individuals with Debit or Credit Summations above Rs. 1 crore per annum are categorized as _______ risk customers. 12. Trusts, charities, NGOs and organizations receiving donations from India and abroad are categorized as _______ risk customers. 13. Risk categorization of each account is reviewed at least once in every _________ 14. Our Bank has established KYC AML cell at _______________ 15. ________ software is used for generation of Suspicious Transaction Reports. 16. In terms of the PMLA, records of Cash transactions of Rs. 10 lacs and suspicious transactions are required to be maintained for a period of __________ 17. Branches may open No Frills accounts for those customers who are in no position to submit the full KYC documents provided they intend to maintain balances not exceeding Rs._________ in all their accounts taken together. 18. Branches may open No Frills accounts for those customers who are in no position to submit the full KYC documents provided credit summations in all their accounts not exceeding Rs._________ in a year. 19. KYC compliance and Fraud prevention day is ___________ 20. All dormant/inoperative accounts may be classified as ________ Risk.

Prepared by S.V.Satyanarayana, Manager (Trg.), SBLC, Tirupati

21. All accounts having more than 60% forex remittance transactions may be classified as ___________ Risk. 22. Accounts having more than 75% forex remittance transactions to be classified as ___________ Risk. 23. All accounts of Trusts, NGOs, Charities and Organisations receiving donations from abroad, accounts operated by Power of Attorney holders may be classified as ________Risk 24. If single transaction of 50-75% of the respective threshold for Low Risk is undertaken in an account, the account will be classified as _____ Risk. Similarly, if a single transaction is for 75% or more of the threshold level, the account will be categorized as _________ Risk. 25. All office accounts Inter Office Accounts, accounts of scheduled commercial banks may be classified as _______ Risk. 26. In terms of the PMLA, records of cash transactions of Rs.10 lacs and above and suspicious transactions are required to be maintained for a period of ______ years 27. In case of foreign branches individual cash withdrawals and deposits for US$ _____and above or the threshold prescribed by the Regulators for cash transactions are to be closely monitored and reported as per the host country regulatory requirements 28. Who issues KYC and AML Measures in India? 29. In case of small deposit account where account is proposed to be open on the basis of introduction from another account holder, Photographs of the customer and his address need to be certified by the. 30. Certificate of Commencement of Business is required in case of . 31. In case of Joint Hindu Family account, whose ID proof is be obtained from 32. In case of HUF account, Prescribed HUF Letter is signed by.. 33. Under KYC/AML, what are the various reports that are required to be submitted? 34. Scrutiny of unusual transactions Upto Rs. 1 lac that may lead to suspicion, should be done by .. 35. Scrutiny of unusual transactions Above Rs. 5 lacs that may lead to suspicion should be done by . 36. FIU-IND is situated at 37. If a Customer is not having PAN Number, he is required to furnish ____________Form. 38. Under KYC, it is mandatory to fill in Thresh Hold amount in the A/C. It is _____________ of Salaried Customer & _____________ for Professionals or otherwise 39. RBI issues KYC measures under section 35A of Act 40. Customer is defined under which act_______________

Prepared by S.V.Satyanarayana, Manager (Trg.), SBLC, Tirupati

Answers 1. Customer Management Acceptance, Customer Identification, Monitoring of Transactions and Risk

2. Combating Financial Terrorism 3. Financial Intelligence Unit India 4. 5 years 8. Low 12. High 5. 2 years 9. Medium 6. Low 10. Medium 7. Low 11. High 15. AMLOCK 19. 1st August 23. High

13. 6 months 14. Jaipur 18. 100000 22. High

16. 10 years 17. 50000 20. Medium 21. Medium

24. Medium, High 25. Low 28. RBI 31. Karta

26. 10 years 27. $10000 30. Public Limited Companies

29. Introducer

32. All the adult co-parceners

33. Cash Transaction Report (CTR), Counterfeit Currency Report(CCR) Suspicious Transaction Report (STR), Non Profit Organisation Transaction Report (NPOT) 34. Passing employee 35. Branch Manager

36. Delhi 37. Form 60/61 38. 25% of salary, 1 month turnover 39. Banking Regulation Act 40. PMLA 2002

Prepared by S.V.Satyanarayana, Manager (Trg.), SBLC, Tirupati