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美国司法部长梅里克·B·加兰 (Merrick B. Garland) 周四在华盛顿特区宣布,道明银行 (TD Bank) 已对多项重罪指控认罪
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.
美国最大的金融机构之一 TD 银行在承认重罪指控后,同意支付创纪录的 30 亿美元罚款。这是《银行保密法》有史以来最严厉的处罚,也是美国银行首次承认共谋洗钱罪。
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.
司法部强调了道明银行的合规失败,这创造了金融犯罪猖獗的环境。作为协议的一部分,该银行现在将进行重大改革。
Here are the key details of TD Bank’s historic guilty plea and the record-breaking penalties.
以下是道明银行历史性认罪和破纪录处罚的关键细节。
TD Bank Pleads Guilty to Money Laundering and Bank Secrecy Act Violations
道明银行承认洗钱和违反银行保密法
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.
美国司法部长梅里克·B·加兰周四在华盛顿特区宣布认罪。他表示,道明银行同意接受 18 亿美元的刑事处罚,加上民事执法行动,总共将产生约 30 亿美元的罚款。
"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.”
加兰指出:“这项决议包括《银行保密法》有史以来最严厉的处罚,也是司法部首次对银行进行每日罚款。”他补充道,道明银行“创造了一个允许金融犯罪猖獗的环境。”为了方便犯罪分子提供服务,它成为了其中之一。”
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.
加兰表示,道明银行承认从 2014 年 1 月到 2023 年 10 月期间未能维持充分的反洗钱 (AML) 计划。在此期间,该银行未能监控 18.3 万亿美元的客户活动,导致三个洗钱网络能够转移资金通过其账户超过 6.7 亿美元。其中一项计划甚至涉及五名银行员工。
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.
尽管拥有旨在标记可疑活动的自动交易监控系统,但银行故意使其无效。包括未来的首席反洗钱官在内的高级管理人员意识到该系统的缺陷,但未能解决这些缺陷。
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."
作为协议的一部分,道明银行现在必须进行重大改革,包括重组其合规计划。加兰指出道明银行是美国第十大银行,并进一步强调:“今天,道明银行成为美国历史上承认《银行保密法》计划失败的最大银行,也是历史上第一家承认共谋罪的美国银行进行洗钱活动。”
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