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Filling-up AoF

  1. Presentation on ACCOUNT OPENING
  2. Account Deposit Account: □ Demand Deposit Account □ Savings Account □ Current Account (BDT/RFCD) □ Time Deposit Account: □ Fixed Deposit Account □ Deposit Pension Scheme (DPS) □ Short Term Deposit (STD)
  4. Uniform account opening Form Account opening form:  Bangladesh Bank prescribed Unique A/C opening form (Ref: Policy 2324, 30th June, 2008)  Banks can incorporate more information in addition to Bangladesh Bank prescribed Uniform AOF has been made mandatory from January 2009 Forms to be filled up for opening Account:  Account opening form  Personal Information form  Transaction Profile Form  Know Your Customer profile form  Signing Authority and Acceptance of Terms & Condition No account will be opened in the system without providing mandatory & conditional mandatory information. Moreover incomplete AOF will be send back to business unit / source
  5. MANDATORY FIELDS OF ACCOUNT OPENING □ Mandatory Fields: Introduction Part: 1. Account Open Date 2.Branch Name 3.Account Name 4.Currency 5.Type of Account 6.Mode of Operation Personal Information 1. Father’s Name 2.Mother’s Name 3.Gender 4.Date of Birth 5.Place of Birth 6.Religion 7.Residence Status 8.Nationality 9.Marital Status 10.Present Address 11. Permanent Address 12.Work Address 13.Communication Address 14.Contact Details Details of Profession 1.Profession 1.Name of Introducer 2.Account Number 3.Relationship Introducer’s Information 1.Signature & Date  SMS/e-Statement Facility 1.e-statement Facility Nominee Details 1.Name of Nominee 2.Date of Birth 3.Minor 4.Relationship 5.Permanent Address  Transaction Profile 1.Purpose of Opening Account 2.Source of Income 3.Nature & Volume of Transaction 4.Initial Deposit For Bank Use Only 1.Cost Center 2.Customer Sector Code 3.Deposit Type Code 4.PSO 5.MPSO
  6. MANDATORY FIELDS OF ACCOUNT OPENING Conditional Mandatory Fields 1.Name of Spouse (if married) Personal Information 2. If provided as identity proof National ID No. Passport No. Passport Expiry Date Driving License No 3. If available TIN Other address Details of Profession 1.If Working / Student Organization’s name Position/Designation Nature of Business Monthly Income  e-Statement Facility 1.E-mail address Minor Details 1.Minor Name (If nominee is Minor) 2.Name of Guardian of Minor 3.Relationship
  7. INTRODUCER As per KYC Policy-2013 Who is become a introducer:
  8. CUSTOMER PROFF OF ADRESS As per KYC Policy-2013
  9.  Identification of the risk involved with the Process; KYC KYC is an acronym for “Know your Customer”, a term used for customer identification process. It involves making reasonable efforts to determine true identity and beneficial ownership of accounts, source of funds, the nature of customer’s business, reasonableness of operations in the account in relation to the customer’s business, etc which in turn helps the banks to manage their risks prudently. The objective of the KYC guidelines is to prevent banks being used, intentionally or unintentionally by criminal elements for money laundering. It is the due diligence and bank regulation that financial institutions and other regulated companies must perform to  identify their clients and  ascertain relevant information pertinent to doing financial business with them It indicates:  Customer’s Identification  Customer’s Complete Full Address  Source of Income/Profession/Business Details  Purpose of Account
  10. KYC: RISK CATEGORIZATION Risk categorization – Based on Activity/KYC Profile: When opening accounts, the concerned staff/Officer must assess the risk that the accounts could be used for “money laundering”, and must classify the accounts as either High Risk or Low Risk. The risk assessment may be made using the KYC Profile Form given in which following seven risk categories are scored using a scale of 1 to 5 where scale 4-5 denotes High Risk, 3- Medium Risk and 1-2 Low Risk:  Occupation or nature of customer’s business  Net worth / sales turnover of the customer  Mode of opening the account  Expected value of monthly transactions  Expected number of monthly transactions  Expected value of monthly cash transactions  Expected number of monthly cash transactions
  11. HIGH RISK INDUSTRIES □ High Risk Industries (AML Perspective)  Gold /Jewel / Gem / Precious metal dealers  Gambling/Casinos  Exchange Houses  Courier Companies  Machine Parts /Art & Antique dealers  Reconditioned Car dealerships  Hotels & Restaurants  Manpower/Travel agencies  Real Estate agents  Export-Import company’s (trading houses)  Brokers / Dealers  Any cash incentive business
  12. Check point of Transaction PROFILE 1. Legitimate & Understable Purpose of Account Opening 2. Legitimate Source of Fund which consistent with Profession 3. Customers declared TP is consistent with his transaction. 4. Customers Profession commensurate with his declared TP or transaction.
  13. IDENTIFICITION OF CUSTOMER & DUCUMENTS Checking points:  Name of the account as per Documents or not.  Confirming de-dupe CIF & ensure checking of De-Dupe  Present & Permanent Address as per documents ( Proof of Address, NID, TIN Certificate etc) or not  Customer’s name, Date of Birth, Father, Mother Name as per photo Id, or not  Valid NID/Passport / Driver’s License / / Campus ID photocopy.  Transaction Profile properly fill up or not  BM /CSM /RM sign & seal required along with customer sign if additional signature Page tagged.  Proper authentication done by business in the related page( self & business)  Self attestation form provide or not  Introducer information & relationship are taken as appropriate way. (Introducer’s account must be at least 6 months old & guest photo is duly attested by the introducer  Telephone / contact numbers are correct.  All details of the account opening form have been completed and necessary documents are obtained.
  14. COMMON RETURN REASON  A/c holder information mismatch with photo ID  A/c holder information mismatch with existing CIF  AOF & KYC not approved/seal required  Mode of operation is not clear  KYC & Account opening forms profile not properly filled up  Transaction profile not properly filled up  Introducer signature not verified properly  Valid photo ID required.  Guest Self attestation required on supported documents