财政部警告银行注意失业欺诈

2020-10-14 08:08

Treasury Unit Warns Banks of Unemployment Fraud Dvf世界播

财政部警告银行注意失业欺诈Dvf世界播


暂无Dvf世界播

The Treasury's Financial Crimes Enforcement Network, based in Vienna, Va., highlighted possible indicators of illicit activity when it comes to unemployment insurance. Dvf世界播

总部设在弗吉尼亚州维也纳的财政部金融犯罪执法网络强调了失业保险方面可能存在的非法活动指标Dvf世界播


U.S. unemployment claims, which have surged during the coronavirus pandemic, are amplifying a compliance risk for financial institutions: unemployment insurance fraud. Dvf世界播

美国申领失业救济金人数在冠状病毒大流行期间激增,正在放大金融机构的合规风险:失业保险欺诈。Dvf世界播


The Treasury Department’s Financial Crimes Enforcement Network issued an advisory Tuesday, alerting banks to red flags that could indicate illicit activity, including emerging schemes exploiting vulnerabilities created by the pandemic. In particular, U.S. authorities and financial institutions have spotted instances of fraud related to unemployment payments, according to FinCEN. Dvf世界播

财政部的金融犯罪执法网络星期二发布了一份忠告,提醒银行注意可能表明非法活动的危险信号,包括利用流感大流行造成的漏洞的新兴计划。根据FinCEN的数据,特别是美国当局和金融机构已经发现了与失业救济金相关的欺诈事件。Dvf世界播


Unemployment insurance is a prime target for fraudsters, given the high volume of people who have lost their jobs due to the pandemic, according to Raymond Dookhie, a managing director at compliance advisory firm K2 Intelligence LLC. Dvf世界播

合规咨询公司K2 Intelligence LLC的董事总经理雷蒙德·杜基(Raymond Dookhie)表示,鉴于由于疫情而失去工作的人数众多,失业保险是欺诈者的首要目标。Dvf世界播


“The financial systems that are set up to monitor fraud in this current environment are being overloaded,” he said. Dvf世界播

他说:“在当前环境下,为监控欺诈而设立的金融系统正在超负荷运行。”Dvf世界播


Smaller financial institutions, which often have less sophisticated monitoring systems or fewer resources to investigate suspicious activity, are particularly vulnerable, Mr. Dookhie said. Dvf世界播

杜基说,规模较小的金融机构尤其容易受到攻击,因为它们的监控系统往往不那么复杂,调查可疑活动的资源也较少。Dvf世界播


Pandemic-related unemployment fraud could include the use of fake or stolen identities, misrepresentation of income, false claims of having worked for a legitimate company or, in some cases, for a fictitious one, using falsified employee and wage records, FinCEN said. Dvf世界播

FinCEN表示,与流行病相关的失业欺诈可能包括使用虚假或被盗的身份,虚报收入,虚假声称曾为合法公司工作,在某些情况下,使用伪造的员工和工资记录,为虚构的公司工作。Dvf世界播


Schemes also could involve collusion between employers and employees, in which a worker receives unemployment payments as the employer continues to pay the person a reduced wage under the table, according to FinCEN. Dvf世界播

根据FinCEN的说法,计划还可能涉及雇主和雇员之间的串通,在这种情况下,一名工人领取失业金,而雇主继续在台面下向该人支付减少的工资。Dvf世界播


The Treasury’s financial crime unit encouraged financial institutions to conduct additional investigations when appropriate and highlighted possible indicators of illicit activity, such as customers who receive unemployment insurance payments from a state other than the one where the customer claims to reside or have previously worked. Dvf世界播

财政部的金融犯罪部门鼓励金融机构在适当的时候进行额外的调查,并强调了非法活动的可能指标,比如从客户声称居住或以前工作过的州以外的州领取失业保险金的客户。Dvf世界播


Other indicators of fraud could include unemployment insurance payments from multiple states within the same disbursement time frame and payments that are quickly sent via wire transfer to foreign accounts, particularly in countries with weak anti-money-laundering controls, FinCEN said. Dvf世界播

FinCEN说,其他欺诈指标可能包括在相同的支付时间框架内来自多个州的失业保险支付,以及通过电汇迅速汇到外国账户的支付,特别是在反洗钱控制薄弱的国家。Dvf世界播


FinCEN also warned of customers who send unemployment insurance payments to a peer-to-peer application or app, then wire the funds to overseas accounts or deposit checks in accounts held by a suspected front company. Dvf世界播

FinCEN还警告客户,他们将失业保险金发送到P2P应用程序或应用程序,然后将资金电汇到海外账户或可疑幌子公司持有的账户中的存款支票。Dvf世界播


Financial institutions are required to file reports that identify suspicious transactions. Such suspicious activity reports, or SARs, are intended to help federal authorities disrupt the flow of money to terrorists, drug traffickers, arms proliferators and other bad actors. Dvf世界播

金融机构被要求提交识别可疑交易的报告。这种可疑的活动报告,或称SARS,旨在帮助联邦当局中断流向恐怖分子、毒贩、武器扩散者和其他坏人的资金流动。Dvf世界播


“Financial institutions are effectively at the front lines against the fight against fraud,” Mr. Dookhie said, adding that the guidance would help banks update monitoring systems as fraudsters’ methods evolve. Dvf世界播

“金融机构有效地站在了打击欺诈的第一线,”杜基说,并补充说,随着欺诈者手段的演变,指导意见将帮助银行更新监控系统。Dvf世界播


“For any surveillance program to be effective, it needs to be periodically updated to reflect the current environment,” he said. “Given the pandemic, it’s important for those financial institutions to consider all of the types of fraud schemes that can occur.” Dvf世界播

他说:“任何监控项目要想有效,都需要定期更新,以反映当前的环境。”“鉴于这场大流行,对那些金融机构来说,考虑可能发生的所有类型的欺诈计划是很重要的。”Dvf世界播

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