國際記者聯盟ICIJ揭露跨國銀行疑似涉及洗錢，對OBU可能帶來的影響

1、近期國際記者聯盟（ICIJ）於9月20日揭露跨國銀行疑似涉及多個違法資金洗錢。此事除當作八卦討論外與OBU帳戶有關嗎？我個人相信會的。應該很快會聽到香港、新加坡金融機構（國銀會慢半拍）針對辨識離岸公司最終受益人採取更嚴格的要求、提供資金來源證明。此外，推測會再關閉一些〝銀行認為〞的境外公司高風險帳戶。

2、OBU使用者對國際記者聯盟（ICIJ）應該不陌生，之前巴拿馬文件、天堂文件等有關離岸公司資料外洩都是由它發表，這些相同點都是消息來源引人猜臆。

〝The leaked documents, known as the FinCEN Files, include more than 2,100 suspicious activity reportsfiled by banks and other financial firms with the U.S. Department of Treasury’s Financial Crimes Enforcement Network. The agency, known in shorthand as FinCEN, is an intelligence unit at the heart of the global system to fight money laundering.〞。

3、〝The free flow of dirty cash helps sustain criminal gangs and destabilize nations. And it is a driver of global economic inequality. Laundered funds are often shunted between accounts owned by obscureshell companiesregistered insecretive offshore tax havens, allowing elites to hide massive sums from law enforcement and tax authorities.

An ICIJ analysis found that banks in the FinCEN files regularly processed transactions to companies registered in so-called secrecy jurisdictions and did sowithout knowing the ultimate owner of the account. At least 20% of the reports contained a client with an address in one of the world’s top offshore financial havens,the British Virgin Islands, while many others provided addresses inthe U.K., the U.S., Cyprus, Hong Kong, the United Arab Emirates, Russia and Switzerland.

ICIJ’s analysis found that in half of the reports banks didn’t have information about one or more entities behind the transactions. In 160 reports, banks sought more information about corporate vehicles, only to be met with no response.〞

—這段文字提到洗錢的資金經常透過資料保密的租稅天堂公司運作，而銀行經常不確定其最終受益人是誰、所提供的公司地址也是註冊地址非實際營運地址。

4、〝Why do banks move suspect money? Because it’s profitable.Banks can pad their bottom lines with the fees they collect as money spins through the webs of accounts often maintained by corrupt users of the financial system.〞

—無利可圖、銀行的re-KYC常常答非所問的帳戶當然會被關。