AML/CFT

Landromatul rusesc

Cea mai mare operațiune de spălare de bani din Rusia „Laundromatul” – a implicat zeci de moldoveni nevoiași care au căzut în plasa grupărilor criminale rusești.

Gheorghe Munteanu este unul dintre ei. Are 35 ani și trăiește modest într-o casă din centrul satului Ulmu din raionul Ialoveni. Acum un an s-a bătut cu un consătean și a rămas invalid. De atunci nu poate lucra. Soția lui, Irina, este cea care aduce bani în casă.

În 2012, fără să știe, atât Gheorghe cât și Irina au figurat în contracte fictive cu o datorie de un miliard de dolari, bani pe care ar fi trebuit să-i întoarcă unor firme-fantome. Datoria a fost pusă pe spatele lor de companii offshore și firme din Rusia.

Moneygram admited Anti-Money Laundering violations …

United States Department of Justice on November 9, 2012
Moneygram International Inc. Admits Anti-Money Laundering and Wire Fraud Violations, Forfeits $100 Million in Deferred Prosecution

MoneyGram International Inc. – a global money services business headquartered in Dallas – has agreed to forfeit $100 million and enter into a deferred prosecution agreement (DPA) with the Justice Department in which it admits to criminally aiding and abetting wire fraud and failing to maintain an effective anti-money laundering program, as charged in an information filed today in the Middle District of Pennsylvania.

According to court documents, MoneyGram was involved in mass marketing and consumer fraud phishing schemes, perpetrated by corrupt MoneyGram agents and others, that defrauded tens of thousands of victims in the United States.  MoneyGram also failed to maintain an effective anti-money laundering program in violation of the Bank Secrecy Act.  The Justice Department will return the forfeited funds to the victims of the fraud scheme through its Victim Asset Recovery Program.

“MoneyGram’s broken corporate culture led the company to privilege profits over everything else,” said Assistant Attorney General Breuer.  “MoneyGram knowingly turned a blind eye to scam artists and money launderers who used the company to perpetrate fraudulent schemes targeting the elderly and other vulnerable victims.  In addition to forfeiting $100 million, which will be used to compensate victims, MoneyGram must for the next five years retain a corporate monitor who will report regularly to the Justice Department.”

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George Friedman despre terorism

Notițe de lectură  despre terorismul global și manifestările acestuia în contextul politicilor americane descrise de George Friedman  în “Următorul deceniu: de unde venim … și încotro ne îndreptăm” (2011) :  Capitolul 5. Capcana terorii

Terorismul este un act de violenţă al cărui scop principal este să genereze frică şi, prin aceasta, să aibă o influenţă politică. Bombardarea Londrei de către germani în al
Doilea Război Mondial a fost un atac terorist, al cărui ţel nu a fost să slăbească abilităţile militare ale britanicilor, ci să creeze un climat psihologic şi politic care să poată separa opinia publică de guvern şi să oblige guvernul să negocieze. Terorismul palestinian din anii 1970 şi 1980, începând cu asasinate şi terminând cu deturnarea avioanelor, a avut rolul de a atrage atenţia asupra cauzei lor şi de a hiperboliza puterea palestiniană. […] operaţiunile al-Qaeda aveau şi ele un scop politic. Problema este simplă: câte eforturi ar trebui depuse pentru oprirea şi prevenirea terorismului şi a consecinţelor sale, comparativ cu asumarea altor sarcini strategice?

Terorismul apare în mod normal ca substitut al unei acţiuni mai eficiente. Dacă germanii ar fi fost în stare să distrugă marina britanică sau dacă palestinienii ar fi fost capabili să nimicească armata israeliană, ar fi făcut-o. Ar fi fost o cale mai dreaptă şi mai eficientă către atingerea scopurilor lor. Terorismul derivă din slăbiciune, concentrându-se asupra psihicului, pentru ca teroristul să pară mai puternic decât este. Scopul teroristului este de a fi considerat o ameninţare importantă când, de fapt, nu este aşa. După cum o arată şi numele, teroristul creează o stare de spirit. Scopul său suprem este de a fi tratat ca un pericol uriaş, incomparabil. Acest fapt pune bazele unui proces politic pe care teroristul doreşte să-l iniţieze. Unii nu vor decât să fie luaţi în serios. Al-Qaeda a vrut să convingă lumea islamică de faptul că puterea sa este cea mai mare grijă a Americii. Al-Qaeda şi-a atins, de fapt, acest scop.

Grandparent Scam

The grandparent scam is a form of telephone fraud. The scammer phones a grandparent and pretends to be a grandchild in distress and asks that funds be wired to a specified location. The “relative” of the grandparent explains she is in trouble and needs funds that will be used for bail money, lawyer’s fees, hospital bills, or another fictitious expense.

Puppy scam

Looking for a pet online? Don’t get scammed!

Pet scam criminals often use free websites to advertise pets that do not exist. Expensive animals are offered at very low prices. Animals are offered up for adoption at no cost — all you have to do is pay for the shipping. If you see an ad like this, chances are it is a scam.

What happens in USA when you do not follow AML rules

What happens in USA when a company does not follow anti money laundering rules?

Former US Arizona Attorney General Terry Goddard and Western Union Financial Services, Inc. announced in Feb 2010 a ground-breaking $94 million settlement agreement which will provide substantial new resources for law enforcement authorities in the four Southwest border states to combat illegal activity along the entire U.S.-Mexico border.

Meanwhile, on July 2016, Western Union announced in a press release that completed successfully the primary recommendations made by the monitor pursuant to the Southwest Border settlement agreement, dated in February, 2010.

Arizona Attorney General Mark Brnovich said, “Over the last few years Western Union has made great strides in developing an effective AML program. We believe Western Union’s Southwest AML Compliance Program should be a model for others in the industry.”

US Congressman Randy Weber on Moldova situation

US Congressman Randy Weber on Moldova situation and encouraging United States support for anti-corruption efforts and strengthening democratic institutions.

Mr. Weber of Texas and Mr. Franks of Arizona submitted the resolution in the House of Representatives on September 27, 2016.

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Looking for love?

Looking for love? Beware of romance scams!
What is the price of love?

Why A Woman Sent Online Lover She’s Never Met More Than $1.4 Million?!

Maurice Asola Fadola was sent to prison after targeting Western women with the scam and gaining their trust over several months. British women defrauded out of more than £800,000 by a conman in Ghana who romanced them on dating websites.

 

Other educational resources:
Fraudsters cash in by targeting people looking for love
Western Union fraud awareness

Trafficking in human beings in EU

TRENDS AND CHALLENGES IN ADDRESSING TRAFFICKING IN HUMAN BEINGS IN THE EU

The trends in the statistical data for the period 2013-2014
– In total there were 15 846 ‘registered victims’ (both identified and presumed) of trafficking in the EU.
– Trafficking for the purpose of sexual exploitation is still the most widespread form (67 % of registered victims), followed by labour exploitation (21 % of registered victims). The
other 12% were registered as victims of trafficking for other forms of exploitation.
– Over three quarters of the registered victims were women (76 %).
– At least 15% of the registered victims were children.
65% of registered victims were EU citizens.
-The top five EU countries of citizenship for registered victims in 2013-2014 were Romania, Bulgaria, the Netherlands, Hungary, and Poland. These are the same countries as for the years 2010-2012.
-The top five non-EU countries of citizenship were Nigeria, China, Albania, Vietnam and Morocco.
6 324 people had formal contact with the police or the criminal justice system in connection with the crime of trafficking in human beings.
– In total, 4 079 prosecutions and 3 129 convictions for trafficking in human beings were reported in the EU.

Report on the progress made in the fight against trafficking in human beings
Brussels, 19.5.2016