JAIIB · PPB · Chapter 2

AML / KYC Guidelines

Chapter notes, video classes, MCQ practice tests and quick-revision one-liners for Principles and Practices of Banking — JAIIB.

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One-liners from this chapter

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Q

Objective — Money Laundering (ML) / Terrorism Financing (TF)?

A

Money Laundering (ML): Conceal the origin of illicit funds; Terrorism Financing (TF): Support terrorist activities

Q

Source of Funds — Money Laundering (ML) / Terrorism Financing (TF)?

A

Money Laundering (ML): Always proceeds of crime; Terrorism Financing (TF): Can be legal (donations) or illegal

Q

Focus — Money Laundering (ML) / Terrorism Financing (TF)?

A

Money Laundering (ML): Make dirty money appear clean; Terrorism Financing (TF): Ensure funds reach terror operatives

Q

Direction of flow — Money Laundering (ML) / Terrorism Financing (TF)?

A

Money Laundering (ML): Illegal Legal; Terrorism Financing (TF): Legal/Illegal Illegal use

Q

Typical sums — Money Laundering (ML) / Terrorism Financing (TF)?

A

Money Laundering (ML): Often large lump sums; Terrorism Financing (TF): Often small, frequent transfers

Q

Legal Framework (India) — Money Laundering (ML) / Terrorism Financing (TF)?

A

Money Laundering (ML): PMLA, 2002 + PMLR, 2005; Terrorism Financing (TF): PMLA + UAPA, 1967 + UNSC Sanctions

Q

Investigating agency — Money Laundering (ML) / Terrorism Financing (TF)?

A

Money Laundering (ML): Enforcement Directorate (ED); Terrorism Financing (TF): ED + NIA + State ATS

Q

FIU-IND (Financial Intelligence Unit-India)?

A

Receives, analyses & disseminates financial transaction reports; supervises REs for PMLA compliance. Based in New Delhi, headed by a Director who reports to the FM through the Economic Intelligence Council.

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