渣打银行再次面临美国巨额罚单.pptx

Standard Chartered is in talks to pay up to$300m to New Yorks top banking regulator to settle allegations that it failed to iden5/21/20241ntify suspicious transactions,despite promising to improve procedures after it was fined for violating sanctions rules two years 5/21/20242ago.渣打银行(Standard Chartered)正在商谈，拟向纽约州最高银行业监管机构支付最高达3亿美元的罚金，以就某些指控达成和解。该行被指未能分辨可疑交易尽管在两年前因违反制裁法规而被罚款之后，该行曾承诺要改善工作流程。New Yorks5/21/20243 Department of Financial Services could announce the settlement this week,people familiar with the matter said.StanChart will al5/21/20244so probably agree to disciplinary measures,such as extending the contract of an independent monitor charged with rooting out dubi5/21/20245ous transactions.知情人士表示，纽约州金融服务管理局(New York state Department of Financial Services，简称DFS)可能会在本周公布这一和解协议。渣打银行还可能同意接受一些纪律处分，比如延长独立监5/21/20246督员的合同，由其负责排除可疑交易。The current investigation is a follow-up to the banks 2012 settlement with US authorities,including the DFS,w5/21/20247hich alleged StanChart violated US sanctions laws that prohibited transactions with Sudan,Iran,Libya and Myanmar.As part of tha5/21/20248t$667m agreement$340m of which went to New York authorities StanChart agreed to put in place an independent monitor to evalua5/21/20249te the banks adherence to the settlement and to ensure it stopped processing prohibited transactions.当前的调查是该行2012年与包括DFS在内的美国当局达5/21/202410成和解的后续事件。当时DFS指控渣打银行违反了美国禁止与苏丹、伊朗、利比亚及缅甸开展交易的制裁法律。作为那次6.67亿美元（其中3.40亿美元交给了纽约州政府）和解条款中的一部分，渣打银行同意设置一个独立监督员，以评估该行对和解协议的执行情况，并确保该行不再处5/21/202411理被禁止的交易。The UK-based bank disclosed the new investigation this month.At the time,Peter Sands,StanCharts chief executive,said5/21/202412 the potential violation related to a 2007 update of the groups post-transaction surveillance systems,which had been“poorly imp5/21/202413lemented”.As a result,its anti-money laundering checks had failed to flag suspicious or potentially illegal payments,Mr Sands s5/21/202414aid.本月这家总部驻英国的银行披露了新的调查。当时渣打银行首席执行官冼博德(Peter Sands)表示，可能的违规与2007年该行对交易后监控系统的升级有关那次升级“实施得十分糟糕”。冼博德表示，其结果是，该行的反洗钱检查机制无法察觉可疑或可能违法的5/21/202415支付。The DFS,led by Benjamin Lawsky,believes millions of suspicious transactions were not reported,although it is not clear whet5/21/202416her they were illegal.以本杰明•劳斯基(Benjamin Lawsky)为首的DFS相信有数百万可疑的交易未曾汇报，尽管目前还不清楚这些交易是否违法。The costly settlement would be anoth5/21/202417er blow for StanChart amid growing disquiet among some of its biggest shareholders over the duo who led its rapid expansion during5/21/202418 the past decade:Mr Sands,chief executive since 2006,and Sir John Peace,chairman since 2009.对渣打银行来说，这次代价高昂的和解协议可能成为又一次重大打击。目前5/21/202419，该行某些大股东对过去十年领导该行快速扩张的二人组合日益感到不安：2006年以来担任首席执行官的冼博德，以及2009年以来担任董事长的庄贝思爵士(Sir John Peace)。After surviving the financial crisis rel5/21/202420atively unscathed and enjoying more than a decade of annual double-digit profit growth,StanChart suffered a downturn in performan5/21/202421ce with pre-tax profits falling a fifth in the first half of the year.在以相对少的损失挺过金融危机并获得逾十年的两位数年度利润增长之后渣打银行遭遇了业绩下滑。今年上半年该行税前利润减少了5/21/202422五分之一。The penalty of up to$300m is steep for a follow-on settlement and comes close to the 2012 fine,reflecting Mr Lawskys dete5/21/202423rmination that banks that sign up to terms need to adhere to them.就后续和解而言，最高达3亿美元的罚金有些严苛，它接近了2012年渣打支付的罚款金额。这一点反映出劳斯基坚信的一个看法：签署条款5/21/202424的银行应该不折不扣地执行它们。StanChart has had a rocky time with US authorities since the 2012 deal.Sir John irritated regulators when he dism5/21/202425issed the banks actions as“clerical errors”rather than“wilful”intention to break rules.自2012年签署和解协议以来，渣打银行与美国有关部门的关系一直不好。庄贝思5/21/202426爵士曾将该行的行为淡化为“笔误”而不是“故意”违反规则，这让监管机构十分恼火。His comments earned Sir John,Mr Sands and then finance director Richard Meddings,杰森英语http:/ 编辑:yingyu5/21/202427