The main characteristics of transactions suspected of terrorist financing: 1. Account characteristics From the characteristics of account opening and use, the following situations may be suspected of suspicious transactions of terrorist financing (1) The use of the account has a fixed pattern, and receipts are received within a certain period of time.

funds, while in other periods there was no flow of funds.

These accounts appear to be conducting legitimate financial transactions, but often may present money laundering risks.

(2) Accounts that have been idle for a long time only maintain a minimum balance, suddenly receive a deposit or a series of deposits, and then withdraw cash deposits every day until all the deposited funds are withdrawn.

(3) When opening an account, the account holder is unwilling to provide relevant necessary information required by the financial institution, or deliberately provides the simplest information, or provides information that is easily misunderstood or difficult to verify.

(4) When a legal entity or organization opens an account, it uses the same address and legal representative or controller as other legal entities and organizations without obvious economic or legal reasons.

(5) An account is opened in the name of a new legal entity, and the amount of deposits deposited into the account far exceeds the income level of the founder of the entity.

(6) The same person opens multiple accounts and makes multiple small deposits, but the total amount does not match his income level.

(7) The legal entity that opens the account participates in the activities of an organization or foundation whose purpose is related to a terrorist organization.

(8) Accounts can be opened with legal entities, foundations or organizations that have relations with terrorist organizations, and the amount of funds transferred exceeds their expected income levels.

2. Characteristics of Deposits and Withdrawals From the perspective of deposits and withdrawals, the following situations may be suspected of suspicious terrorist financing transactions: (1) Legal entities use a variety of financial instruments for deposits, and these instruments are not typical financial instruments used in normal business activities.

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(2) A large amount of cash suddenly appeared in a certain business account.

(3) A large amount of cash deposits are deposited into the account of an individual or legal entity, and under normal circumstances, the payment method for this business activity should be a check or other financial instrument.

(4) Cash deposits and financial instrument deposits appear simultaneously in the same account, and these transactions do not seem to have anything to do with the normal use of the account.

(5) Trying to conduct transactions through different bank tellers at the same business outlet of a financial institution within one day to avoid supervision.

(6) Deposit through multiple business outlets of the same financial institution, or multiple people enter the same business outlet at the same time to make deposits.

(7) The amount of cash deposits and withdrawals is often slightly lower than anti-money laundering and related monitoring standards.

(8) The funds have not been counted before the transaction.

After the funds are counted, the intended transaction amount is reduced to below the anti-money laundering and related monitoring standard limits.

(9) Deposit and withdraw multiple financial bills, but the amounts are slightly lower than anti-money laundering and related monitoring standards, especially consecutively numbered bills.

3. Abnormal manifestations of customer transaction behavior From the analysis of customer transaction behavior, the following situations can be suspected of suspicious transactions of terrorist financing: (1) Multiple people involved in cash transactions have the same address, and the address is also the address of a commercial institution. If no one

If you actually work at this address, it is highly suspicious.

(2) The occupation claimed by the trader does not match the transaction volume or transaction type. For example, students or unemployed people receive or send large amounts of wire transfers, or withdraw money from multiple locations in many areas, and the withdrawal amount reaches the maximum daily withdrawal limit.

(3) Financial transaction activities conducted by non-profit organizations or charitable organizations have no reasonable purpose.

(4) Open a bank safe deposit box as a legal entity, but its business activities are unknown or do not require the use of a bank safe deposit box.

(5) Unexplainable and unexplained contradictions are found during the customer identity verification or verification process.

For example, there are conflicts between the country of past or present residence, the country of issuance of the passport, the travel record stated in the passport, and documents proving information such as name, address, and date of birth.