{"id":14650,"date":"2025-02-19T05:47:31","date_gmt":"2025-02-18T20:47:31","guid":{"rendered":"https:\/\/www.sanctionlab.com\/?p=14650"},"modified":"2025-04-09T17:29:34","modified_gmt":"2025-04-09T08:29:34","slug":"%ec%8b%ac%ec%b8%b5%eb%b6%84%ec%84%9d-2024%eb%85%84-%eb%af%b8%ea%b5%ad-%ec%9d%80%ed%96%89%eb%93%a4%ec%9d%98-%ec%a0%9c%ec%9e%ac-%ec%82%ac%eb%a1%80-%eb%b6%84%ec%84%9d-%ea%b7%9c%ec%a0%95-%ec%a4%80","status":"publish","type":"post","link":"https:\/\/www.sanctionlab.com\/?p=14650","title":{"rendered":"[\uc2ec\uce35\ubd84\uc11d] \u7f8e \uc740\ud589 \uc81c\uc7ac \uc0ac\ub840 \ubd84\uc11d&#8230;AML \uc778\ub825 \ubd80\uc871\uc774 \uac00\uc7a5 \ud754\ud55c \uc774\uc720"},"content":{"rendered":"<p>2024\ub144 \ubbf8\uad6d \uae08\uc735\ubc94\uc8c4\ub2e8\uc18d\ub124\ud2b8\uc6cc\ud06c(FinCEN) \ubc0f \uc5f0\ubc29 \uc740\ud589 \uaddc\uc81c \uae30\uad00\uc740 \uc740\ud589\ube44\ubc00\uc720\uc9c0\ubc95(Bank Secrecy Act, BSA), \uc790\uae08\uc138\ud0c1\ubc29\uc9c0(Anti-Money Laundering, AML) \ubc0f \ud14c\ub7ec\uc790\uae08\uc870\ub2ec\ubc29\uc9c0(Countering the Financing of Terrorism, CFT) \uad00\ub828 \uaddc\uc815 \uc704\ubc18\uc744 \uc774\uc720\ub85c 36\uac74 \uc774\uc0c1\uc758 \uc81c\uc7ac \uc870\uce58\ub97c \ubc1c\ud45c\ud588\uc74c. \uc774 \uc911 \uc77c\ubd80 \uc0ac\ub840\uc5d0\uc11c\ub294 \uc5ed\ub300 \ucd5c\uace0 \uc218\uc900\uc758 \ubbfc\u00b7\ud615\uc0ac\uc0c1 \ubc8c\uae08\uc774 \ubd80\uacfc\ub428.<\/p>\n<p>\ubbf8\uad6d\uc758 \uc740\ud589 \uaddc\uc81c \uc804\ubb38 \ub85c\ud38c <a href=\"https:\/\/www.jdsupra.com\/legalnews\/lessons-from-2024-anti-money-laundering-4976600\/\">K&amp;L Gates LLP<\/a>\uc5d0\uc11c\ub294 2024\ub144 \uc740\ud589\ub4e4\uc5d0 \ub300\ud55c \uc81c\uc7ac \uc870\uce58\uc5d0\uc11c \ub098\ud0c0\ub09c \uc8fc\uc694 \uaddc\uc815 \uc704\ubc18 \uc0ac\ub840\ub97c \uc815\ub9ac\ud558\uace0, \uc740\ud589\ub4e4\uc774 \uaddc\uc815 \uc900\uc218 \ud504\ub85c\uadf8\ub7a8\uc744 \uac1c\uc120\ud558\ub294 \ub370 \ucc38\uace0\ud560 \uc218 \uc788\ub3c4\ub85d \uac00\uc774\ub4dc\ub97c \uc81c\uacf5\ud558\uace0\uc790 \ud568. \ud2b9\uc815 \uae30\uad00\uc774 \uc544\ub2cc, \uae08\uc735 \uc0b0\uc5c5 \uc804\ubc18\uc5d0\uc11c \ub098\ud0c0\ub09c \uacf5\ud1b5\uc801\uc778 \ubb38\uc81c\uc810\uc5d0 \ucd08\uc810\uc744 \ub9de\ucd94\uc5c8\uc74c.<\/p>\n<h6><strong>BSA\u00b7AML \uaddc\uc815 \uc900\uc218\uc758 5\ub300 \ud575\uc2ec \uc694\uc18c<\/strong><\/h6>\n<p>BSA\u00b7AML \uaddc\uc815 \uc900\uc218 \ud504\ub85c\uadf8\ub7a8\uc740 \ub2e4\uc74c\uc758 5\uac00\uc9c0 \ud575\uc2ec \uc694\uc18c(Pillars)\ub97c \uac16\ucd94\uc5b4\uc57c \ud568.<\/p>\n<ol>\n<li><strong>\ub0b4\ubd80 \ud1b5\uc81c \uc2dc\uc2a4\ud15c \uad6c\ucd95<\/strong>: \uc9c0\uc18d\uc801\uc778 \uaddc\uc815 \uc900\uc218\ub97c \ubcf4\uc7a5\ud558\uae30 \uc704\ud55c \ub0b4\ubd80 \ud1b5\uc81c \uc808\ucc28.<\/li>\n<li><strong>\ub3c5\ub9bd\uc801\uc778 \ud14c\uc2a4\ud2b8(\uac10\uc0ac) \uc218\ud589<\/strong>: BSA\u00b7AML \uaddc\uc815 \uc900\uc218 \uc0c1\ud0dc\ub97c \uc810\uac80\ud558\ub294 \ub3c5\ub9bd\uc801 \ud14c\uc2a4\ud2b8.<\/li>\n<li><strong>BSA \ucc45\uc784\uc790 \uc9c0\uc815<\/strong>: BSA\u00b7AML \ud504\ub85c\uadf8\ub7a8\uc744 \uad00\ub9ac\ud558\uace0 \uc77c\uc77c \uaddc\uc815 \uc900\uc218 \uc0c1\ud669\uc744 \ubaa8\ub2c8\ud130\ub9c1\ud560 \ucc45\uc784\uc790 \uc9c0\uc815.<\/li>\n<li><strong>\uc9c1\uc6d0 \uad50\uc721<\/strong>: BSA\u00b7AML \uad00\ub828 \ub0b4\uc6a9\uc744 \uc9c1\uc6d0\ub4e4\uc5d0\uac8c \uad50\uc721.<\/li>\n<li><strong>\uc704\ud5d8 \uae30\ubc18 \uace0\uac1d \uc2e4\uc0ac<\/strong>(Customer Due Diligence, CDD):<br \/>\n\uace0\uac1d\uacfc\uc758 \uad00\uacc4\uc758 \uc131\uaca9\uacfc \ubaa9\uc801\uc744 \uc774\ud574\ud558\uace0 \uc704\ud5d8 \ud504\ub85c\ud30c\uc77c\uc744 \uac1c\ubc1c\ud568.<br \/>\n\uc9c0\uc18d\uc801\uc778 \ubaa8\ub2c8\ud130\ub9c1\uc744 \ud1b5\ud574 \uc758\uc2ec \uac70\ub798\ub97c \uc2dd\ubcc4\ud558\uace0, \uace0\uac1d \uc815\ubcf4(\ud2b9\ud788 \uc2e4\uc18c\uc720\uc790(Beneficial Owner) \uc815\ubcf4)\ub97c \uc5c5\ub370\uc774\ud2b8\ud568.<\/li>\n<\/ol>\n<p>2024\ub144 \uc81c\uc7ac \uc870\uce58 \uc911 \ub2e4\uc218\ub294 \uc774 5\ub300 \uc694\uc18c \uc911 \uccab 4\uac00\uc9c0\uc5d0\uc11c \uad11\ubc94\uc704\ud55c \ubbf8\ube44\uc810\uc744 \uc9c0\uc801\ud558\uc600\uc73c\uba70, \uc77c\ubd80 \uc740\ud589\uc5d0\ub294 \uace0\uac1d \uc2e4\uc0ac \ud504\ub85c\uadf8\ub7a8 \uac1c\uc120 \uba85\ub839\uc774 \ub0b4\ub824\uc84c\uc74c. \ud2b9\ud788 \uc758\uc2ec \ud65c\ub3d9 \ubcf4\uace0\uc11c(Suspicious Activity Reports, SARs)\ub97c \uc801\uc2dc\uc5d0 \uc81c\ucd9c\ud558\uc9c0 \uc54a\ub294 \ubb38\uc81c\ub294 \uc8fc\uc694 \uaddc\uc815 \uc704\ubc18 \uc0ac\uc720\ub85c \uc9c0\uc801\ub418\uc5c8\uc74c.<\/p>\n<h6><strong>\uc8fc\uc694 \uaddc\uc815 \uc704\ubc18 \uc0ac\ub840 \ubd84\uc11d<\/strong><\/h6>\n<p>1. <strong>\ub0b4\ubd80 \ud1b5\uc81c \ubd80\uc871<\/strong><br \/>\n\uc740\ud589\uc774 \ub0b4\ubd80 \ud1b5\uc81c \ubd80\uc871\uc73c\ub85c \uc81c\uc7ac\ub97c \ubc1b\ub294 \uacbd\uc6b0, \uc774\ub294 \uc790\uae08\uc138\ud0c1 \ubc0f \ud14c\ub7ec\uc790\uae08 \uc870\ub2ec \uc704\ud5d8\uc744 \ud6a8\uacfc\uc801\uc73c\ub85c \uad00\ub9ac\ud558\uc9c0 \ubabb\ud588\ub2e4\ub294 \uc758\ubbf8\uc784. \uc8fc\uc694 \uc704\ubc18 \uc0ac\ub840\ub294 \ub2e4\uc74c\uacfc \uac19\uc74c.<\/p>\n<ul>\n<li>\ubbf8\ud761\ud55c \ub0b4\ubd80 \ubcf4\uace0 \uccb4\uacc4 \ubc0f \uc5ed\ud560 \ubd84\ub2f4<\/li>\n<li>\ubd80\uc2e4\ud55c \uc704\ud5d8 \ud3c9\uac00(Risk Assessment)<\/li>\n<li>\ubc95\uaddc \ubcc0\uacbd\uc774\ub098 \uae30\uad00\uc758 \uc704\ud5d8 \ud504\ub85c\ud30c\uc77c \ubcc0\ud654\uc5d0 \ub530\ub978 \uc815\ucc45 \uc5c5\ub370\uc774\ud2b8 \ubbf8\ud761<\/li>\n<li>\uc758\uc2ec \uac70\ub798 \ubaa8\ub2c8\ud130\ub9c1 \uc2dc\uc2a4\ud15c \ubd80\uc2e4<\/li>\n<li>\uace0\uac1d \uc704\ud5d8 \ud3c9\uac00 \uc2dc\uc2a4\ud15c \ubbf8\ud761<\/li>\n<\/ul>\n<p>\ub0b4\ubd80 \ud1b5\uc81c \uc2dc\uc2a4\ud15c\uc740 \uc740\ud589\uc758 \uaddc\ubaa8, \ubcf5\uc7a1\uc131 \ubc0f \uc870\uc9c1 \uad6c\uc870\uc5d0 \ub9de\uac8c \uc870\uc815\ub418\uc5b4\uc57c \ud558\uba70, \uc801\uc808\ud55c \ub0b4\ubd80 \ud1b5\uc81c\uac00 \uc774\ub8e8\uc5b4\uc9c0\uc9c0 \uc54a\uc73c\uba74 \uc740\ud589 \uc804\uccb4\uc758 BSA\u00b7AML \uaddc\uc815 \uc900\uc218 \uccb4\uacc4\uac00 \ubb34\ub108\uc9c8 \uc218 \uc788\uc74c.<\/p>\n<p>2. <strong>\uc774\uc0ac\ud68c \ubc0f \uacbd\uc601\uc9c4\uc758 \uac10\ub3c5 \ubd80\uc2e4<\/strong><br \/>\n\ubbf8\uad6d \uaddc\uc81c\uae30\uad00\uc740 \uc774\uc0ac\ud68c(Board of Directors)\uac00 \uc740\ud589\uc758 BSA\u00b7AML \uc900\uc218 \ud504\ub85c\uadf8\ub7a8\uc744 \uc2b9\uc778\ud558\uace0 \uac10\ub3c5\ud560 \ucc45\uc784\uc774 \uc788\ub2e4\uace0 \uba85\uc2dc\ud558\uace0 \uc788\uc74c.<\/p>\n<p>2024\ub144 \uc81c\uc7ac\ub97c \ubc1b\uc740 \uc740\ud589 \uc911 \uc57d \uc808\ubc18\uc774 \uc774\uc0ac\ud68c\uc758 \uac10\ub3c5\uc744 \uac15\ud654\ud558\ub77c\ub294 \uba85\ub839\uc744 \ubc1b\uc558\uc73c\uba70, \ud2b9\ud788 BSA\u00b7AML \uaddc\uc815\uc744 \uc2ec\uac01\ud558\uac8c \uc704\ubc18\ud55c \uacbd\uc6b0 \uc774\uc0ac \ubc0f \uace0\uc704 \uacbd\uc601\uc9c4\uc774 \uac1c\uc778\uc801\uc73c\ub85c \ubc8c\uae08\uc744 \ubd80\uacfc\ubc1b\ub294 \uc0ac\ub840\ub3c4 \ubc1c\uc0dd\ud558\uc600\uc74c.<\/p>\n<p>\uc774\uc0ac\ud68c\ub294 \uc815\uae30\uc801\uc73c\ub85c BSA\u00b7AML \uc900\uc218 \uc0c1\ud0dc\uc5d0 \ub300\ud55c \ubcf4\uace0\ub97c \ubc1b\uc544\uc57c \ud558\uba70, \uc8fc\uc694 \ubcf4\uace0 \ud56d\ubaa9\uc740 \ub2e4\uc74c\uacfc \uac19\uc74c.<\/p>\n<ul>\n<li>SAR \uc81c\ucd9c \ud604\ud669<\/li>\n<li>\uaddc\uc815 \uc900\uc218 \uac10\uc0ac\uc5d0\uc11c \ubc1c\uacac\ub41c \ubb38\uc81c\uc810 \ubc0f \uac1c\uc120 \uc870\uce58<\/li>\n<li>\uc740\ud589\uc758 \uc704\ud5d8 \ud3c9\uac00 \uc5c5\ub370\uc774\ud2b8<\/li>\n<li>\uaddc\uc815 \uc900\uc218 \uc778\ub825 \ubc0f \uc608\uc0b0 \ubd80\uc871 \ubb38\uc81c<\/li>\n<\/ul>\n<p>3. <strong>BSA \ucc45\uc784\uc790(BSA Officer) \uad00\ub828 \ubb38\uc81c<\/strong><br \/>\nBSA \ucc45\uc784\uc790\ub294 BSA\u00b7AML \ud504\ub85c\uadf8\ub7a8\uc758 \ud575\uc2ec \uc778\ubb3c\uc774\uba70, 2024\ub144 \uc77c\ubd80 \uc740\ud589\uc740 \ube44\ud6a8\uc728\uc801\uc778 BSA \ucc45\uc784\uc790 \ub610\ub294 \uacbd\ud5d8\uc774 \ubd80\uc871\ud55c \uc778\ubb3c\uc744 \uc784\uba85\ud588\ub2e4\ub294 \uc774\uc720\ub85c \uc81c\uc7ac\ub97c \ubc1b\uc558\uc74c.<\/p>\n<p>\ub610\ud55c, \ub2e4\uc74c\uacfc \uac19\uc740 \ubb38\uc81c\uc810\uc774 \uc9c0\uc801\ub418\uc5c8\uc74c.<\/p>\n<ul>\n<li>\ubd80\uc801\uc808\ud55c BSA\u00b7AML \uc778\ub825 \ubc30\uce58 (\uc740\ud589\uc758 \uaddc\ubaa8 \ubc0f \uc704\ud5d8 \uc218\uc900\uc5d0 \ube44\ub840\ud574\uc57c \ud568)<\/li>\n<li>BSA \ucc45\uc784\uc790\uc758 \ub3c5\ub9bd\uc131 \ubd80\uc871: \uc77c\ubd80 \uc740\ud589\uc740 \uace0\uc704 \uacbd\uc601\uc9c4\uc758 \uc2b9\uc778\uc774 \uc788\uc5b4\uc57c\ub9cc SAR\uc744 \uc81c\ucd9c\ud560 \uc218 \uc788\ub3c4\ub85d \uc81c\ud55c, \uc774\ub294 \uba85\ubc31\ud55c \uc774\ud574\ucda9\ub3cc\uc744 \ucd08\ub798\ud568.<\/li>\n<li>AML \uc9c1\uc6d0\uc774 BSA \ucc45\uc784\uc790\uac00 \uc544\ub2cc \ube44\uc988\ub2c8\uc2a4 \ubd80\uc11c\uc5d0 \ubcf4\uace0\ud558\ub294 \uad6c\uc870: \uc774\ub294 BSA \ucc45\uc784\uc790\uc758 \ub3c5\ub9bd\uc131\uc744 \uc57d\ud654\uc2dc\ud0a4\ub294 \ubb38\uc81c\uc784.<\/li>\n<\/ul>\n<p>\ubaa8\ub4e0 AML \uc9c1\uc6d0\uc740 \ube44\ub85d \uacf5\uc2dd\uc801\uc778 BSA \ucc45\uc784\uc790\uac00 \uc544\ub2c8\ub354\ub77c\ub3c4, BSA\u00b7AML \uaddc\uc815\uc5d0 \ub300\ud55c \uc801\uc808\ud55c \uc9c0\uc2dd\uacfc \uacbd\ud5d8\uc744 \uac16\ucdb0\uc57c \ud568.<\/p>\n<p>4. <strong>\uc9c1\uc6d0 \uad50\uc721 \ubbf8\ud761<\/strong><br \/>\nBSA\u00b7AML \uad50\uc721\uc740 \ubaa8\ub4e0 \uc9c1\uc6d0\uc774 \uc9c1\ubb34\uc5d0 \ub9de\ub294 \uc218\uc900\uc5d0\uc11c \uaddc\uc815\uc744 \uc219\uc9c0\ud558\ub3c4\ub85d \ud558\ub294 \uac83\uc774 \ubaa9\ud45c\uc784. \ud558\uc9c0\ub9cc 2024\ub144 \uc81c\uc7ac\ub97c \ubc1b\uc740 \uc740\ud589 \uc911 \ub2e4\uc218\ub294 \ub2e4\uc74c\uacfc \uac19\uc740 \uad50\uc721 \ubbf8\ube44\uc810\uc744 \uc9c0\uc801\ubc1b\uc558\uc74c.<\/p>\n<ul>\n<li>\uc77c\ubc18 \uc9c1\uc6d0(\ud504\ub860\ud2b8\ub77c\uc778)\uc758 BSA\u00b7AML \uad50\uc721 \ubbf8\ud761<\/li>\n<li>\uc740\ud589\uc758 \uc81c\ud488 \ubc0f \uc11c\ube44\uc2a4\uc640 \uad00\ub828\ub41c AML \uc704\ud5d8 \uc720\ud615\uc5d0 \ub300\ud55c \uad50\uc721 \ubd80\uc871<\/li>\n<li>\ud2b9\uc815 \uace0\uc704\ud5d8 \uace0\uac1d \ub610\ub294 \uac70\ub798\uc5d0 \ub300\ud55c \uc801\uc808\ud55c \uad50\uc721 \ubd80\uc871<\/li>\n<li>SAR \ubc0f CTR(\ud604\uae08\uac70\ub798 \ubcf4\uace0\uc11c) \uc791\uc131 \ubc29\ubc95\uc5d0 \ub300\ud55c \uad50\uc721 \ubd80\uc871<\/li>\n<\/ul>\n<p>\uc77c\ubd80 \uc740\ud589\uc740 \uc798\ubabb\ub41c CTR\uc744 \uc81c\ucd9c\ud55c \uac83\uc774 \ubb38\uc81c\ub85c \uc9c0\uc801\ub418\uc5c8\uc74c. \ub530\ub77c\uc11c \uc740\ud589\ub4e4\uc740 \ubcf4\ub2e4 \ub9de\ucda4\ud615 \uad50\uc721 \ud504\ub85c\uadf8\ub7a8\uc744 \uac1c\ubc1c\ud574\uc57c \ud568.<\/p>\n<p>5. <strong>\uaddc\uc815 \uc900\uc218 \uc778\ub825 \ubc0f \uc790\uae08 \ubd80\uc871<\/strong><br \/>\n2024\ub144 \uc81c\uc7ac \uc0ac\ub840\uc5d0\uc11c \uac00\uc7a5 \ud754\ud55c \ubb38\uc81c \uc911 \ud558\ub098\ub294 BSA\u00b7AML \uc900\uc218\ub97c \uc704\ud55c \uc778\ub825 \ubc0f \uc790\uae08 \ubd80\uc871\uc774\uc5c8\uc74c.<\/p>\n<ul>\n<li>\uc77c\ubd80 \uc740\ud589\uc740 \ube44\uc6a9 \uc808\uac10\uc744 \uc774\uc720\ub85c BSA\u00b7AML \uac1c\uc120\uc744 \uc18c\ud640\ud788 \ud568 \u2192 \uacb0\uacfc\uc801\uc73c\ub85c \uc81c\uc7ac \uc870\uce58 \ucd08\ub798\ub428.<\/li>\n<li>\ud55c \uc740\ud589\uc740 BSA \ucc45\uc784\uc790\uac00 \ube44\uc6a9 \ubb38\uc81c\ub85c \uc778\ud574 \uaddc\uc815 \uc900\uc218 \uac15\ud654\ub97c \uc8fc\uc800\ud558\ub3c4\ub85d \uc720\ub3c4\ud558\ub294 \ubcf4\uc0c1 \uc2dc\uc2a4\ud15c\uc744 \uc6b4\uc601\ud568 \u2192 \uc81c\uc7ac \uc870\uce58 \ub300\uc0c1\uc774 \ub428.<\/li>\n<\/ul>\n<p>AML \uc778\ub825\uacfc \uc2dc\uc2a4\ud15c\uc740 \uc740\ud589\uc758 \uc704\ud5d8 \uc218\uc900\uacfc \ubcc0\ud654\ud558\ub294 \ud658\uacbd\uc5d0 \ub530\ub77c \ud655\ub300\ub418\uc5b4\uc57c \ud568.<\/p>\n<h6><strong>\uc2dc\uc0ac\uc810 \ubc0f \ud5a5\ud6c4 \uc870\uce58<\/strong><\/h6>\n<p>1. <strong>\uc704\ud5d8 \ud3c9\uac00 \uac1c\uc120<\/strong><\/p>\n<ul>\n<li>\ud604\uc7ac \uc704\ud5d8 \ud3c9\uac00\uac00 \uc740\ud589\uc758 \uc81c\ud488, \uc11c\ube44\uc2a4, \uace0\uac1d \uc720\ud615, \uc9c0\ub9ac\uc801 \uc704\uce58\uc5d0 \ub9de\uac8c \uc801\uc808\ud558\uac8c \uc870\uc815\ub418\uc5c8\ub294\uac00?<\/li>\n<li>\ucd5c\uadfc \ubcc0\ud654\ub41c \uc694\uc18c(\uc2e0\uaddc \uc0ac\uc5c5, \uaddc\uc81c \ubcc0\uacbd \ub4f1)\ub97c \ubc18\uc601\ud55c \uc0c8\ub85c\uc6b4 \uc704\ud5d8 \ud3c9\uac00\uac00 \ud544\uc694\ud55c\uac00?<\/li>\n<\/ul>\n<p>2. <strong>\uace0\uac1d \uc2e4\uc0ac(CDD) \uac15\ud654<\/strong><\/p>\n<ul>\n<li>\uace0\uac1d\uc758 \uc704\ud5d8 \ub4f1\uae09\uc774 \uc801\uc808\ud558\uac8c \ud3c9\uac00\ub418\uace0 \uc788\ub294\uac00?<\/li>\n<li>\uc704\ud5d8 \ud3c9\uac00 \uacb0\uacfc\uac00 \uac70\ub798 \ubaa8\ub2c8\ud130\ub9c1 \uc2dc\uc2a4\ud15c\uacfc \uc5f0\uacc4\ub418\uc5b4 \uc788\ub294\uac00?<\/li>\n<\/ul>\n<p>3. <strong>\uc758\uc2ec \uac70\ub798 \ubaa8\ub2c8\ud130\ub9c1 \uc2dc\uc2a4\ud15c \uac80\ud1a0<\/strong><\/p>\n<ul>\n<li>\ud604\uc7ac \ubaa8\ub2c8\ud130\ub9c1 \uc2dc\uc2a4\ud15c\uc758 \uc54c\uace0\ub9ac\uc998, \ud544\ud130, \uc784\uacc4\uac12\uc774 \uc740\ud589\uc758 \uc704\ud5d8 \uc218\uc900\uc5d0 \uc801\uc808\ud55c\uac00?<\/li>\n<\/ul>\n<h6><strong>\uc804\ub9dd \ubc0f \uc2dc\uc0ac\uc810<\/strong><\/h6>\n<p>2024\ub144 \ubbf8\uad6d\uc758 \uc81c\uc7ac \uc870\uce58 \uc0ac\ub840\ub294 \ubbf8\uad6d \uae08\uc735\uae30\uad00\ub4e4\uc758 BSA\u00b7AML \ubc0f CFT \uaddc\uc815 \uc900\uc218\uc5d0 \uc5ec\uc804\ud788 \ub9ce\uc740 \uac1c\uc120\uc774 \ud544\uc694\ud568\uc744 \ubcf4\uc5ec\uc90c. \uc8fc\uc694 \uc704\ubc18 \uc0ac\ud56d\uc73c\ub85c\ub294 \ub0b4\ubd80 \ud1b5\uc81c \ubd80\uc2e4, BSA \ucc45\uc784\uc790\uc758 \ub3c5\ub9bd\uc131 \ubd80\uc871, SAR \uc81c\ucd9c \uc9c0\uc5f0, \uad50\uc721 \ubbf8\ube44 \ub4f1\uc774 \uc9c0\uc801\ub418\uc5c8\uc73c\uba70, \uc774\ub294 \uae08\uc735\uad8c \uc804\ubc18\uc758 \ub9ac\uc2a4\ud06c \uad00\ub9ac \uac15\ud654\ub97c \uc694\uad6c\ud558\ub294 \uc2e0\ud638\ub85c \ud574\uc11d\ub428.<\/p>\n<p>\ud5a5\ud6c4 \uae08\uc735\uae30\uad00\ub4e4\uc740 \ub0b4\ubd80 \ud1b5\uc81c \uac15\ud654, \ub3c5\ub9bd\uc801 \uc704\ud5d8 \ud3c9\uac00 \ubc0f \uac10\uc0ac \uc2dc\ud589, SAR \uc81c\ucd9c \uc808\ucc28 \uac1c\uc120, \uace0\uac1d \uc2e4\uc0ac \uac15\ud654, AML \uc778\ub825 \ubc0f \uc2dc\uc2a4\ud15c \ubcf4\uac15\uc774 \ud544\uc218\uc801\uc784. \ub610\ud55c, \uc774\uc0ac\ud68c\uc640 \uacbd\uc601\uc9c4 \ucc28\uc6d0\uc758 \uc801\uadf9\uc801\uc778 \uac10\ub3c5\uacfc \ud22c\uc790\uac00 \ud544\uc694\ud558\uba70, 2025\ub144\uc5d0\ub3c4 \uc9c0\uc18d\ub420 \uaddc\uc81c \uac15\ud654\uc5d0 \ub300\ube44\ud574 \uc120\uc81c\uc801 \ub300\uc751\uc774 \uc694\uad6c\ub428.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>2024\ub144 \ubbf8\uad6d \uae08\uc735\ubc94\uc8c4\ub2e8\uc18d\ub124\ud2b8\uc6cc\ud06c(FinCEN) \ubc0f \uc5f0\ubc29 \uc740\ud589 \uaddc\uc81c \uae30\uad00\uc740 \uc740\ud589\ube44\ubc00\uc720\uc9c0\ubc95(Bank Secrecy Act, BSA), \uc790\uae08\uc138\ud0c1\ubc29\uc9c0(Anti-Money Laundering, AML) \ubc0f \ud14c\ub7ec\uc790\uae08\uc870\ub2ec\ubc29\uc9c0(Countering the Financing of Terrorism, CFT) \uad00\ub828 \uaddc\uc815 \uc704\ubc18\uc744 \uc774\uc720\ub85c 36\uac74 \uc774\uc0c1\uc758 \uc81c\uc7ac \uc870\uce58\ub97c \ubc1c\ud45c\ud588\uc74c. \uc774 \uc911 \uc77c\ubd80 \uc0ac\ub840\uc5d0\uc11c\ub294 \uc5ed\ub300 \ucd5c\uace0 \uc218\uc900\uc758 \ubbfc\u00b7\ud615\uc0ac\uc0c1 \ubc8c\uae08\uc774 \ubd80\uacfc\ub428. \ubbf8\uad6d\uc758 \uc740\ud589 \uaddc\uc81c \uc804\ubb38 \ub85c\ud38c K&amp;L Gates LLP\uc5d0\uc11c\ub294 2024\ub144 \uc740\ud589\ub4e4\uc5d0 \ub300\ud55c \uc81c\uc7ac \uc870\uce58\uc5d0\uc11c \ub098\ud0c0\ub09c [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":851,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[612,609,1,8],"tags":[719,2600,2601,1946,272,1296,2599,58],"class_list":{"0":"post-14650","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-usa","8":"category-analysis","9":"category-money-laundering","10":"category-compliance","11":"tag-aml","12":"tag-bsa","13":"tag-cdd","14":"tag-cft","15":"tag-fincen","16":"tag-sar","17":"tag-2599","18":"tag-58"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>[\uc2ec\uce35\ubd84\uc11d] \u7f8e \uc740\ud589 \uc81c\uc7ac \uc0ac\ub840 \ubd84\uc11d...AML \uc778\ub825 \ubd80\uc871\uc774 \uac00\uc7a5 \ud754\ud55c \uc774\uc720 SanctionLab<\/title>\n<meta name=\"description\" content=\"2024\ub144 \ubbf8\uad6d 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