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美國司法部長梅里克·B·加蘭 (Merrick B. Garland) 週四在華盛頓特區宣布,道明銀行 (TD Bank) 已對多項重罪指控認罪
One of the largest financial institutions in the U.S., TD Bank, has agreed to pay a record $3 billion penalty after pleading guilty to felony charges. This marks the largest-ever penalty under the Bank Secrecy Act and the first time a U.S. bank has pleaded guilty to conspiring to commit money laundering.
美國最大的金融機構之一 TD 銀行在承認重罪指控後,同意支付創紀錄的 30 億美元罰款。這是《銀行保密法》有史以來最嚴厲的處罰,也是美國銀行首次承認共謀洗錢罪。
The Justice Department highlighted TD Bank’s compliance failures, which created an environment where financial crime thrived. As part of the agreement, the bank will now undergo significant reforms.
司法部強調了道明銀行的合規失敗,創造了金融犯罪猖獗的環境。作為協議的一部分,該銀行現在將進行重大改革。
Here are the key details of TD Bank’s historic guilty plea and the record-breaking penalties.
以下是道明銀行歷史性認罪和破紀錄處罰的關鍵細節。
TD Bank Pleads Guilty to Money Laundering and Bank Secrecy Act Violations
道明銀行承認洗錢和違反銀行保密法
U.S. Attorney General Merrick B. Garland announced the guilty plea in Washington D.C. on Thursday. He stated that TD Bank agreed to a criminal penalty of $1.8 billion, which, when combined with civil enforcement actions, will result in a total penalty of approximately $3 billion.
美國司法部長梅里克·B·加蘭週四在華盛頓特區宣布認罪。他表示,道明銀行同意接受 18 億美元的刑事處罰,加上民事執法行動,總共將產生約 30 億美元的罰款。
"This resolution includes the largest-ever penalty under the Bank Secrecy Act and the first time the Justice Department has assessed a daily fine against a bank,” Garland noted, adding that TD Bank “created an environment that allowed financial crime to flourish. By making its services convenient for criminals, it became one.”
加蘭指出:「這項決議包括《銀行保密法》有史以來最嚴厲的處罰,也是司法部首次對銀行進行每日罰款。」他補充道,道明銀行「創造了一個允許金融犯罪猖獗的環境。 ”為了方便犯罪分子提供服務,它成為了其中之一。”
According to Garland, TD Bank admitted to failing to maintain an adequate anti-money laundering (AML) program from January 2014 to October 2023. During this time, the bank failed to monitor $18.3 trillion in customer activity, enabling three money laundering networks to transfer over $670 million through its accounts. One of the schemes even involved five bank employees.
加蘭表示,道明銀行承認從2014 年1 月到2023 年10 月期間未能維持充分的反洗錢(AML) 計畫。洗錢網絡能夠轉移資金透過其帳戶超過 6.7 億美元。其中一項計劃甚至涉及五名銀行員工。
Despite having an automated transaction monitoring system designed to flag suspicious activity, the bank deliberately rendered it ineffective. Senior executives, including the future chief AML officer, were aware of the system’s deficiencies but failed to address them.
儘管擁有旨在標記可疑活動的自動交易監控系統,但銀行故意使其無效。包括未來的首席反洗錢官在內的高階主管意識到該系統的缺陷,但未能解決這些缺陷。
As part of the agreement, TD Bank will now have to undertake significant reforms, including restructuring its compliance program. Noting that TD Bank is the 10th largest bank in the U.S., Garland further emphasized: "Today, TD Bank became the largest bank in U.S. history to plead guilty to Bank Secrecy Act program failures and the first U.S. bank in history to plead guilty to conspiracy to commit money laundering."
作為協議的一部分,道明銀行現在必須進行重大改革,包括重組其合規計畫。加蘭指出道明銀行是美國第十大銀行,並進一步強調:「今天,道明銀行成為美國史上承認《銀行保密法》計畫失敗的最大銀行,也是史上第一家承認共謀罪的美國銀行進行洗錢活動。
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