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篇名
兆豐案天價罰款的啟示──美國反洗錢法的重點與金融業應有的作為
並列篇名
A 180 million’s Lesson - How Mega Bank’s Misconducts Violate Anti- Money Laundering Law in the U.S.
作者 林志潔
中文摘要
兆豐銀行及其紐約分行因涉及違反美國聯邦與紐約州之銀行保密法及反洗錢法(BSA/AML)相關規定,遭紐約州金融服務部(NYDFS)重罰新臺幣五十七億元,創下國內金融機構在海外遭罰金額最高紀錄。雖金管會初步認為兆豐銀行乃「未通報而非協助洗錢」,惟我國洗錢法制遠落後於國際標準,既無法人刑事責任,法令遵循機制粗陋,對違法行為之裁罰亦十分輕微,法規的落差以及對外國法的無知,致使我國金融業在金融國際盃的競賽中,起步即重摔。本文將介紹本次兆豐案遭裁罰之始末及合意裁罰令之相關內容,剖析美國財經刑法與金融管制之規定、介紹美國聯邦與紐約州之反洗錢法制,並評析我國現行洗錢防制法及修法草案,以期使我國金融業在面對國際法規落差時能有因應之道,及早進行法律風險之管控,避免再蹈兆豐案之覆轍。
英文摘要 Mega International Commercial Bank of Taiwan pays a 180 million penalty for violating federal and New York anti-money laundering law, including the AML and BSA law. It is the huge amount that a Taiwan-based financial institution had never been penalized by U.S. authorities. The incident has exposed the serious deficiencies within the Mega’s compliance program and anti-money laundering control system. It also reflects the weakness of Taiwan’s control of AML system. The different AML systems among the countries will expose the industries to a high risk of violation of the related regulations. Lacking the awareness of the legal difference will lead to serious consequences. This paper introduces Mega Bank case and the consent order between Mega Bank and the NYDFS. This paper also analyzes the regulations of Anti-Money Laundering in the Federal and also State of New York. Finally, this paper focuses on the current Taiwan’s Money Laundering Control Act and its amendment bill. What happens to the Mega Bank in 2016 is an important lessons. Establishing a robust internal controls and regulatory compliance programs is the top priority to all Taiwan’s financial institutes who want to run their business in the U.S. 
起訖頁 34-48
關鍵詞 洗錢兆豐金融監理法令遵循合意裁罰Money LaunderingMega BankFinancial Supervisory
刊名 月旦法學雜誌
出版單位 元照出版公司
期數 201612 (259期)
DOI 10.3966/102559312016120259003  複製DOI  DOI申請
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