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保監局譴責富衛人壽前身違反打擊洗錢條例規定 罰款700萬元
阿思達克 01-31 13:02
保險業監管局譴責前身爲大都會人壽保險有限公司及美商大都會人壽保險香港有限公司的保險公司,指出該等公司違反《打擊洗錢及恐怖分子資金籌集條例》(第615章)(《打擊洗錢條例》)的七項指明條文,並指示該等公司支付700萬港元的罰款。 該等公司於2020年6月30日被富衛集團收購,現已改名爲富衛人壽(香港)有限公司及富衛人壽保險(香港)有限公司,並由全新的管理層管理。 保監局表示,調查發現該等公司在2015年1月至2017年10月期間,未有維持有效的程序,以在建立業務關係前斷定某客戶(或某客戶的實益擁有人)是否政治人物,及未有當客戶被識別爲政治人物後,採取適當的措施確立資金來源或財富來源或獲取高級管理層的審批以繼續有關的業務關係;未有於當時業務關係將會建立時,維持有效的程序以評估該業務關係會否引致高洗錢及恐怖分子資金籌集風險;未有就與屬引致高洗錢及恐怖分子資金籌集風險的客戶有關的文件、數據及資料,進行至少每年一次的覆核,以確保該等文件、數據及資料反映現況。 同時,當局指該等公司期內未有就已建立業務關係的客戶,設有充足或有效的監察程序,以識別複雜、款額大得異乎尋常或進行模式異乎尋常的交易及沒有明顯經濟或合法目的的交易;及未有採取一切合理措施,確保設有適當的預防措施,以避免所識別的違規行爲及緩減洗錢及恐怖分子資金籌集風險。 保監局表示,相關公司已採取補救措施處理上述所識別的不足之處,但認爲上述違規行爲嚴重,強調所有經營長期業務的獲授權保險人及持牌保險中介人均須設有有效的打擊洗錢及恐怖分子資金籌集的管控及程序,提醒保險業界應建基於誠信及持正行事,而設立有效的系統及管控打擊洗錢及恐怖分子資金籌集爲至關重要,以加強有關誠信並維持香港作爲國際金融中心的地位。
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