Below are some events/risks that we have provided to assist you with assigning a risk classification to your client.
|
|
- Alexis Newton
- 7 years ago
- Views:
Transcription
1 Risk Based Assessment & Risk Classification It is unrealistic that a business would operate in a completely risk free environment in terms of Money Laundering / Terrorist Financing (ML/TF). Therefore it is required that a business identifies the ML/TF risks it faces then works out the best ways to reduce and manage that risk. Based on the identification information provided by the client and the relationship with the client, a risk classification must be assigned to each client. Below are some events/risks that we have provided to assist you with assigning a risk classification to your client. How to apply the Risk based assessment criteria for your clients When determining the appropriate risk level and the correct treatment/action for each client, follow these steps: 1. Ask yourself: Is the client... (Risks 1-19)? 2. Then note the Risk Score; 3. Ask yourself: Is the designated service one where... (Risks 20-28)? 4. Then note the Risk Score; 5. Ask yourself: Is the delivery of the designated service where... (Risks 29-33)? 6. Then note the Risk Score; 7. Ask yourself: Is the jurisdiction... (Risks 34-39)? 8. Then note the Risk Score; NB: It is essential to make an assessment from each Risk section (Client Type, Designated Service, Delivery and Jurisdiction) remembering that there may be more than one answer for each Risk section; The overall client Identification and Verification requirement is ascertained by identifying each Risk Score as determined by the above process, and apply whichever Treatment/Action is the highest. Once this assessment has been undertaken, use the information to complete the AML/CTF CLIENT RISK CLASSIFICATION & CHECKLIST and hold on the client file. NB: Only steps 1, 5, 6, 7 and 8 plus the date, client name, adviser name and signature are required when you utilise the above method; At a minimum verification must be obtained for the client s name and either date of birth or address.
2 Risk Classification Library Risk Risk Score Treatment/Action Client Type (Ask: Is the Client...?) 1. In an existing relationship with me/firm/practice prior to December A new client/s who/that has been referred to me/firm/practice by existing clients. 3. An Australian or permanent resident/s of Australia. 4. A trust client/s that is predominantly SMSF or Family Trusts A company that is an Australian Registered company/ies and/or a company that is a trading company/ies with others acting as corporate trustee s to the trust client. One whose dealings with government agencies are very limited. Mostly dealing with employees of government agencies as individuals or where dealing are with agencies that is limited to corporate superannuation advice or insurance advice or investment advice. 7. An individual where beneficial ownership of investments is clear. 8. A retiree with most investments made within the superannuation environment or that is seeking risk/personal insurance policies or insurances in relation to asset protection. 9. One where the sources of their income are known An Australian or permanent residents of Australia working overseas whose sources of income are known or identifiable. A company/ies that is the trustee of trust, which has beneficiaries that are themselves trustee companies of other trusts. A trust client/s that is part of a complex business structure or family structure where ultimate ownership and beneficiaries are not clearly determinable in the first instance however additional verification documents verify the structure. A company that is an Australian Registered companies but has dealings in foreign jurisdiction. / /
3 14. One that is either a company or a trust that has investments made within a broad range of financial products. 15. A new client obtained after December 2007 through the firm/practice website. 16. A Politically Exposed Person (PEP) or related to a Politically Exposed Person. 17. Other than an Australian citizen or permanent residents of Australia and works overseas or works in Australia and their sources of income are not identifiable. 18. A company that is the trustee of trust, which has beneficiaries that are themselves trustee companies of other trusts and/or the structure is complex, and/or ultimate ownership and beneficiaries are not clearly determinable. 19. An overseas registered company that has investments inside and outside Australia. Designated service / / (Ask: Is the designated service one where...?) 20. It is limited to arranging on behalf of another. 21. No client money or property is held on trust and no cash is accepted All cheques in relation to investment monies are made by the client directly to the product provider /issuer. Services are limited to arranging for another person to receive a designated service including financial products (e.g. securities or managed investment schemes) that are not issued by the licensee to clients. Client money or property is held on trust however funds held on trust are limited to premium amounts, or investment amounts i.e. all payments are forwarded to product issuer and instructions are not accepted from the client to forward monies or payments to other third parties. A large volume of transactions are undertaken by the client but limited to the share market transactions and the client operates as an aggressive trader so as to profit from market fluctuations. It includes both arranging for another person to receive a designated service and the issuance of financial products (e.g. securities or managed investment schemes). Client money or property is held on trust and instructions are accepted from clients to pay third parties. A large volume of transactions are undertaken by clients directly, with limited advice sought.
4 Delivery / / (Ask: Is the delivery of the designated service where...?) 29. Services are provided the majority of the time through face-to-face meetings, with some telephone conversations and correspondences. 30. The first appointments and advice meetings are always conducted face to face. 31. The advice is never provided by Services are provided the majority/some of the time through telephone conversations and correspondences. 33. All services are provided through correspondences. Jurisdiction / / (Ask: Is the jurisdiction one where...?) 34. All products or investments on the Licensee Approved Product List are Australian Registered Investments regulated by either ASIC, APRA or the ATO. 35. The client has no connection with non-cooperating countries or territories. All products or investments on the Licensee Approved Product List are Australian Registered 36. Investments regulated by either ASIC, APRA or the ATO, but some investments are undertaken in overseas markets but limited to jurisdictions with a like financial regulatory system. 37. The client has had a previous connection with a non-cooperating countries or territories as defined in AUSTRAC s guidelines. 38. The investments are undertaken in overseas markets and may be considered noncooperating countries or territories or tax havens. 39. The client has a connection with a non-cooperating countries or territories as defined in AUSTRAC s guidelines or resides in a non-cooperating countries or territories.
5 Likelihood AML/CTF Risk Classification v1.1 A M L / C TF C L I E N T R I S K C L A S S I F I C AT I O N & C H E C K L I S T Date : Client/s Name: Step 1: Identify the main Money Laundering/Terrorist Financing risks: Consider your customer types, designated services provided, methods of delivery, jurisdictions in which you deal with. OR Completed process using the Risk Classification Library - Item reference number(s): Go to Step 5 Identify your own ML/TF Risk(s) Detail below and complete remainder of checklist Step2: What is the likelihood that the identified event(s)/risk(s) will occur? Frequency Very likely Likely Unlikely Likelihood of a ML/TF risk Almost certain: it will probably occur several times a year probability it will happen once a year Unlikely, but not impossible Step 3: What would be the seriousness of the damage which could occur should that event/risk happen? Consequence Major Moderate Minor Impact of a ML/TF risk Huge consequences major damage or effect. Serious terrorist act or large-scale money laundering. Moderate level of money laundering or terrorism financing impact. Minor or negligible consequences or effects. Step 4: Combine LIKELIHOOD and IMPACT to obtain a risk score. Very Likely Extreme Likely Unlikely Minor Moderate Major Impact Step 5: Select which customer identification procedure has been adopted. Risk - Identification and verification of Risk - Identification and verification of Risk - Identification and verification of Extreme Risk - Identification and verification of Other Identification and verification procedures undertaken (if any e.g. additional questions, ID document) Very likely Likely Unlikely Major Moderate Minor Extreme Refer to Capstone ID Forms for acceptable ID Documents Step 6: Complete the relevant Capstone Identification Form. Step 7: Copy of the Client s ID Document retained on file. Yes Yes Step 8: Do you need to complete a Suspicious Matter Report? If Yes, please notify Head Office immediately. Yes No Adviser Signature: Adviser Name: Authorised Representative of Capstone Financial Planning Pty Ltd.
A tool for small-to-medium sized businesses. Anti-Money Laundering and Counter-Terrorism Financing Act 2006
Australian Government Australian Transaction Reports and Analysis Centre Risk management A tool for small-to-medium sized businesses Anti-Money Laundering and Counter-Terrorism Financing Act 006 Contents
More informationMid Cap Equities Fund APPLICATION FORM
Mid Cap Equities Fund APPLICATION FORM Paradice Investment Management Pty Ltd ABN 64 090 148 619 AFSL Number 224158 If completing by hand, use a black or blue pen and print within the boxes in BLOCK LETTERS
More informationANTI-MONEY LAUNDERING/ COUNTER TERRORISM FINANCING POLICY
ANTI-MONEY LAUNDERING/ COUNTER TERRORISM FINANCING POLICY TABLE OF CONTENTS EXECUTIVE SUMMARY... 3 Preamble... 3 Policy Parameters... 4 KEY TERMS... 4 POLICY OBJECTIVE, RATIONALE AND DELIVERABLES... 6
More informationANTI-MONEY LANDERING & COUNTER TERRORISM FINANCING POLICY
ANTI-MONEY LANDERING & COUNTER TERRORISM FINANCING POLICY Company: Union Standard International Group Pty Ltd Company trading as: USGFX ACN: 117 658 349 AFSL: 302792 Date Updated: 11 th November 2014 1
More informationING DIRECT Customer Identification Procedures for Brokers
ING DIRECT Customer Identification Procedures for Brokers Managing obligations of the Anti-Money Laundering and Counter-Terrorism Financing Act ( AML/CTF Act ) for the purpose of Customer Identification
More informationFund Restructure Request
Fund Restructure Request SC no. (office use only) Campaign Code (if applicable) The Service About the service For more information Any changes to your fund (e.g. new fund name, adding or removing trustees,
More informationModule 1. Fundamentals of AML/CTF programs. Questions and answers. Question 1. Module 1 quiz with answers
Module 1 Fundamentals of AML/CTF programs Questions and answers Question 1 Obligations to have an AML/CTF program under the AML/CTF Act Complete the sentence by selecting the best option from the list
More informationDiscussion paper on possible enhancements to the requirements for customer due diligence
File Name: 2013/40 30 September 2013 Discussion Paper Customer Due Diligence Reform International Policy Legal and Policy Branch AUSTRAC PO Box 5516 West Chatswood NSW 1515 Email: CDD_Consultation@austrac.gov.au
More informationUltimate Beneficial Ownership An AML-CTF Challenge: Approaches, Issues, and Challenges
Ultimate Beneficial Ownership An AML-CTF Challenge: Approaches, Issues, and Challenges Dr Hugh McDermott Barrister at Law 16 th Floor Wardell Chambers, Sydney Senior Lecturer in Law Enforcement, Fraud
More informationING DIRECT Customer Identification Procedures for Brokers
ING DIRECT Customer Identification Procedures for Brokers Managing obligations of the Anti-Money Laundering and Counter-Terrorism Financing Act ( AML/CTF Act ) for the purpose of Customer Identification
More informationThe Airlie Share Fund. Application Form for Individual / Joint Investor / Sole Trader
The Airlie Share Fund Application Form for Individual / Joint Investor / Sole Trader This Application Form forms part of the Information Memorandum for The Airlie Share Fund (Fund). The Fund is open to
More informationExplanatory Note for Consultation
Explanatory Note for Consultation Part 4.4 of the AML/CTF Rules sets out the identification requirements for customers acting in their capacity as trustee of a trust in the form of the applicable customer
More informationSELF-MANAGED SUPER FUND CASH MANAGEMENT & TERM DEPOSIT ACCOUNTS PRODUCT INFORMATION MAY 2016
SELF-MANAGED SUPER FUND CASH MANAGEMENT & TERM DEPOSIT ACCOUNTS PRODUCT INFORMATION MAY 2016 ISSUED BY: Big Sky Building Society Limited ABN 30 087 652 079 AFSL / Australian Credit Licence No 237994. ADDRESS:
More informationIdentity Verification Form Australian Superannuation Funds and Trusts
Identity Verification Form Australian Superannuation Funds and Trusts To comply with our obligations under the Anti-Money Laundering (AML) and Counter Terrorism Financing (CTF), all new investors are required
More informationMyState Wealth Management Investment Account Application Form
MyState Wealth Management Investment Account Application Form Responsible Entity: Powerwrap Limited (ABN 67 129 756 850, Australian Financial Services Licence No. 329829 ARSN 137 053 073) Please complete
More informationSENATE LEGAL AND CONSTITUTIONAL AFFAIRS COMMITTEE QUESTIONS ON NOTICE TO ATTORNEY-GENERAL S DEPARTMENT
SENATE LEGAL AND CONSTITUTIONAL AFFAIRS COMMITTEE QUESTIONS ON NOTICE TO ATTORNEY-GENERAL S DEPARTMENT RESPONSE TO QUESTIONS ON NOTICE BY SENATOR LUDWIG [Second set of Questions for 22 November 2005] Senator
More informationAML/CTF compliance guide for bookmakers
AML/CTF compliance guide for bookmakers This guide will enable a bookmaker to assess and document information essential to complying with the Anti-Money Laundering and Counter-Terrorism Financing Act 2006.
More informationAML/CTF compliance guide for independent remittance dealers
AML/CTF compliance guide for independent remittance dealers Disclaimer The purpose of this guide is to provide assistance to independent remittance dealers in meeting their obligations under the Anti-Money
More informationCLIENT AGREEMENT FORM Discretionary Investment Management Private clients
CLIENT AGREEMENT FORM Discretionary Investment Management Private clients VERSION DATE: FEB 2015 Please answer ALL the questions on this form (including the Appendix, if relevant) as comprehensively as
More informationQPCU Credit Card Application
QPCU Credit Card Application Level 1, 231 North Quay, Brisbane Qld 4000. PO Box 13003, George Street Qld 4003. : 13 77 28 Fax: (07) 3211 3683 Email: info@qpcu.com.au Website: www.qpcu.com.au Australian
More informationABN ACN Registration number (including ABN of any Trust) (company applicants only) (incorporated association applicants only) Business phone number:
on 1300 658 108 Mon to Fri 9am-5pm (AEST/AEDT) Mail to New Accounts - Business Banking, ME Bank, Reply Paid 1345, Melbourne, Victoria 8060. Visit mebank.com.au Section 1 - Applicant Details Business Loan
More informationInvestment Account. Application Form. Page 1 / 15. Escala Investment Account Application Form
Investment Account Application Form Page 1 / 15 Escala Investment Account Application Form Responsible Entity: Powerwrap Limited (Australian Financial Services Licence No. 329829 ARSN 137 053 073) Please
More informationSequoia Direct Financial Services Guide
PART O Sequoia Direct Financial Services Guide AFS Licence No. 333297 Date of issue: 1 April 2016 Level 36, AMP Centre, 50 Bridge Street, SYDNEY NSW 2000 A Participant of ASX Group Sequoia Direct Pty Ltd
More informationText of the Recommendation and Interpretative Notes
1 of 5 FATF Recommendation 5: Customer due diligence and record-keeping Text of the Recommendation and Interpretative Notes See also: The full text of the 40 Recommendations and interpretative notes Return
More informationAusbil Investment Trusts Application and Client Identification Forms
Ausbil Investment Trusts Application and Client Identification Forms Issued January 2016 You must complete the Application Form and relevant Client ID Form(s) to apply for units in any fund which is one
More informationApplication for benefit payment or transfer
Application for benefit payment or transfer Use this form if you want to cash in your benefit or transfer all or part of your super balance to another super fund. This form should not be used by temporary
More informationNOTICE TO BANKS MONETARY AUTHORITY OF SINGAPORE ACT, CAP. 186 PREVENTION OF MONEY LAUNDERING AND COUNTERING THE FINANCING OF TERRORISM - BANKS
MAS 626 2 July 2007 Last revised on 1 July 2014 (Refer to endnotes for history of amendments) NOTICE TO BANKS MONETARY AUTHORITY OF SINGAPORE ACT, CAP. 186 PREVENTION OF MONEY LAUNDERING AND COUNTERING
More informationWholesale Australian Property Fund and Australian Property Fund Application form
Office use only Wholesale Australian Property Fund and Australian Property Fund Application form Issuer and responsible entity: National Mutual Funds Management Ltd ABN 32 006 787 720, AFSL 234652 National
More informationLegislative Review and Mutual Evaluation Criminal Law and Law Enforcement Branch Attorney-General's Department 4 National Circuit BARTON ACT 2600
Submission to Legislative Review and Mutual Evaluation Criminal Law and Law Enforcement Branch Attorney-General's Department 4 National Circuit BARTON ACT 2600 Re: Issues Paper AML/CTF Act Review Submitted
More informationFinancial Planning 1 July 2014
Financial Planning 1 July 2014 Privacy Statement Equip Financial Planning 1800 065 753 www.equipsuper.com.au Privacy Statement Equip Financial Planning provides financial advice to clients and holds personal,
More informationINTERNATIONAL CORRESPONDENT BANKS. Knowing Your Customer (KYC) Anti-Money Laundering Prevention of Terrorist Financing
INTERNATIONAL CORRESPONDENT BANKS Registered Name Commercial name (if applicable) Full address of the registered office of the financial institution (Street, town and country) VAT number BIC code Website:
More informationBusiness Membership Application Trusts
Section 1 - Trust details Member Number Full Name of Trustee(s) Full Name of Trust Registered Business Name (If any ) Country where trust established as trustee for trading as ABN (if any) Main Business
More informationINTERNATIONAL CORRESPONDENT BANKING
INTERNATIONAL CORRESPONDENT BANKING Know your Customer (KYC) Prevention of Money Laundering and the Financing of Terrorism General Information on the Financial Institution Registered Name Commercial name
More informationAustralian Equities Fund (AEF) APPLICATION FORM
Hunter Hall Investment Management Limited ABN 69 063 081 612 AFSL 219462 Quality Value ESG Australian Equities Fund (AEF) APPLICATION FORM Introduction and Guide This Application Form accompanies the Product
More informationTRUST ACCOUNT (inc SMSF) application form
TRUST ACCOUNT (inc SMSF) application form Please only use this form to open a trading account: as a Trust Account (including Self Managed Super Fund (SMSF)) where the trustees are individual(s) or a company
More informationservices system Reports Act 1988 (Cth) Australia has a sophisticated and stable banking and financial services system.
FINANCIAL SERVICES Australia has a sophisticated and stable banking and financial services system Australia has a sophisticated and stable banking and financial services system. The banking system is prudentially
More informationFees and costs guide (BA.5)
Fees and costs guide (BA.5) Issued 1 January 2016 The information in this document forms part of the ESSSuper Accumulation Plan Product Disclosure Statement dated 1 January 2016. Contents Fees and costs
More informationWestpac Business Debit MasterCard Application
Westpac Business Debit MasterCard Application Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 In order to apply for a Westpac Business Debit MasterCard, the following
More informationApplication Form for Millinium's Wholesale Fixed Income Fund Individual(s) / Sole Trader (Resident/Non Resident)
Before you sign this application form, we wish to give you a Information Memorandum ("IM") which is a summary of important information relating to Millinium's Wholesale Fixed Income Fund ("Fund"). The
More informationPREVENTION OF MONEY LAUNDERING AND COUNTERING THE FINANCING OF TERRORISM - BANKS
MAS Notice 626 24 April 2015 Last revised on 30 November 2015 (Refer to endnotes for history of amendments) NOTICE TO BANKS MONETARY AUTHORITY OF SINGAPORE ACT, CAP. 186 PREVENTION OF MONEY LAUNDERING
More informationBusiness Account(s) Opening Form for businesses introduced by an accountant
Business Account(s) Opening Form for businesses introduced by an accountant Please use black or blue ink and write clearly in the spaces provided in BLOCK CAPITAL letters. Mark relevant boxes with a clear
More informationAnti-money laundering and countering the financing of terrorism the Reserve Bank s supervisory approach
Anti-money laundering and countering the financing of terrorism the Reserve Bank s supervisory approach Hamish Armstrong In September 2010, a Bulletin article set out the Reserve Bank of New Zealand s
More informationCompleting the identification form for Australian regulated trusts and trustees (including self-managed super funds) FAQS
Instruction sheet Completing the identification form for Australian regulated trusts and trustees (including self-managed super funds) Identification and Verification All clients applying for a new policy
More information10 Shenton Way MAS Building Singapore 079117 Telephone: (65) 6225 5577 Facsimile: (65) 6229 9229
10 Shenton Way MAS Building Singapore 079117 Telephone: (65) 6225 5577 Facsimile: (65) 6229 9229 Circular No. CMI 05/2015 28 October 2015 To: Holders of a Financial Adviser s Licence under the Financial
More informationState Super retirement FuND
State Super retirement FuND Additional Information Booklet Date of Issue 20 January 2015 State Super Financial Services Australia Limited ABN 86 003 742 756 Australian Financial Services Licence No. 238430
More informationSwitching your personal current account made easy
Switching your personal current account made easy Introduction Summary of the Key Features of the Account Switching Code Bank of Ireland ( New Bank ) can facilitate all of the steps required in order to
More informationCOMMINSURE PROTECTION
COMMINSURE PROTECTION SUPPLEMENTARY COMBINED PRODUCT DISCLOSURE STATEMENT AND POLICY Issue date: 18 October 2015 This Supplementary Combined Product Disclosure Statement (SPDS) and Policy supplements the
More informationFinancial Services Guide
Version 1.3 May 2016 Implemented Advice Pty Limited ABN 29 165 695 143 Australian Financial Services Licence No. 445825 The distribution of this FSG has been approved by Implemented Advice Pty Ltd Part
More informationApplication Form 2 November 2015
Perennial Trusts Application Form 2 November 2015 How to invest 1. Read the PDS relating to the Trust(s). 2. Read the important information in the Reference Guide relating to the Trust(s). 3. Read all
More informationBentham Asset Management Application Form. Customer identification. Contact details. Checklist. Use this application form if you wish to invest in:
Bentham Asset Management Application Form Use this application form if you wish to invest in: Bentham Wholesale Global Income Fund Bentham Wholesale Syndicated Loan Fund Bentham Wholesale High Yield Fund
More informationMake a lump sum withdrawal or rollover For a transition to retirement income stream
CSC retirement income RI04 04/13 Make a lump sum withdrawal or rollover For a transition to retirement income stream Use this form if you have a transition to retirement income stream and wish to > > make
More informationHow to complete the Superannuation guarantee charge statement quarterly
USINESS Employers instructions NAT 9600-01.2006 SEGMENT AUDIENCE FORMAT PRODUCT ID How to complete the Superannuation guarantee charge statement quarterly These instructions include: n who must lodge a
More informationFinancial Services Guide
1 July 2014 Financial Services Guide This Financial Services Guide (FSG) is an important document which provides you with information to help you decide whether to use our financial services. Your financial
More informationFees and other costs Employer-sponsored and personal superannuation members.
Fees and other costs Employer-sponsored and personal superannuation members. This document was prepared on 1 July 2016. The information in this document forms part of the Statewide product disclosure statement
More informationFinancial Needs Analysis
Financial Needs Analysis Your name(s): Your adviser: Date completed: / / Mulcahy & Co Financial Planning ABN 33 114 922 271 Australian Financial Services License 340094 300B Gillies Street, Wendouree VIC
More informationModule 4. Risk assessment for your AML/CTF program
Module 4 Risk assessment for your AML/CTF program AML/CTF Programs Risk assessment for your AML/CTF program Page 1 of 27 Module 4 Risk assessment for your AML/CTF program Risk assessment for your AML/CTF
More informationStrategic analysis brief Money laundering through legal practitioners
Strategic analysis brief Money laundering through legal practitioners Strategic analysis briefs AUSTRAC strategic analysis briefs provide insights for government and industry on money laundering and terrorism
More informationHow to complete the AML/CTF Investor Identification Information Form
How to complete the AMLCTF Investor Identification Information Form The Australian government has introduced legislation called the Anti-Money Laundering and Counter Terrorism Financing Act 2006 which
More informationPerks Wealth Management Financial Services Guide
Perks Wealth Management Financial Services Guide ABN 88 086 643 085 Australian Financial Services Licence No. 236 551 Version 16 Page 1 Before you decide to proceed with any of our services, we believe
More informationFees and other costs. MySuper. Member Booklet Supplement. 1 July 2015
Member Booklet Supplement Fees and other costs 1 July 2015 The information in this document forms part of the First State Super Member Booklets (Product Disclosure Statements) for: Employer Sponsored members
More informationASB Securities. Companies, trusts, partnerships, clubs and estates registration form
ASB Securities Companies, trusts, partnerships, clubs and estates registration form Thank you for choosing ASB Securities How to complete this registration form All entities (company, trust, partnership
More informationApplication for Disability Lump Sum SERB Scheme
Application for Disability Lump Sum SERB Scheme Who should use this form? You should complete this form if you are a SERB Scheme member who is applying for a Disability Lump Sum benefit. Did you know?
More informationForeign Exchange Option Product Disclosure Statement. Issued by Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714
Foreign Exchange Option Product Disclosure Statement Issued by Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 Dated: 24 November 2014 Foreign Exchange Option Contents Important Information...
More informationApplication Form and Rollover Form
Super Division Application Form and Rollover Form Version 21, Issued 1 July 2016 EXCEPTIONAL BENEFITS! Only Water Corporation employees have access to our super fund. So join today and don t miss this
More informationTHE INSIDE VIEW TAX FREE SAVINGS ACCOUNT APPLICATION FORM NATURAL PERSONS DOCUMENT CHECKLIST INVESTOR DETAILS
TAX FREE SAVINGS ACCOUNT APPLICATION FORM THE INSIDE VIEW NATURAL PERSONS No instruction will be processed unless all requirements have been met, all relevant documentation received and the money is reflected
More information1 What is the role of a financial planner when advising a client about retirement planning?
Questions with Guided Answers by Graeme Colley 2013 Reed International Books Australia Pty Limited trading as LexisNexis. Permission to download and make copies for classroom use is granted. Reproducing
More informationPlease only use this form when you wish to open a Suncorp Share Trade Account: in your name, or in joint names
Stockbroking INDIVIDUAL/JOINT ACCOUNT application form Please only use this form when you wish to open a Suncorp Share Trade Account: in your name, or in joint names In order to process your application
More informationAPPROVED BY BOARD 11 MARCH 2014/APPROVED BY HMT 29 JULY 2014
11A: Consumer credit providers Note: This sectoral guidance is incomplete on its own. It must be read in conjunction with the main guidance set out in Part I of the Guidance. Overview of the Sector 1.
More informationASC Superannuation Plan
ASC Superannuation Plan sub-plan of The Executive Superannuation Fund Product Disclosure Statement 28 June 2013 Things you should know: This Product Disclosure Statement ( PDS ) is a summary of significant
More informationForeign Exchange Forward Transactions for the nabtrade Global Market Trading service Product Disclosure Statement
Foreign Exchange Forward Transactions for the nabtrade Global Market Trading service Product Disclosure Statement Issued by National Australia Bank Limited (NAB) ABN 12 004 044 937, AFSL 230686 Effective
More informationGuidance on what constitutes a remittance network provider (RNP) Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (AML/CTF Act)
Australian Government Australian Transaction Reports and Analysis Centre Guidance note 12/03 Guidance on what constitutes a remittance network provider (RNP) Anti-Money Laundering and Counter-Terrorism
More informationEarly release of super on compassionate grounds How to make a claim
Early release of super on compassionate grounds How to make a claim Please note if you have ceased work due to sickness or injury, call us on 13 11 84 before proceeding. Am I eligible to make a claim?
More informationFinancial Services Guide
Financial Services Guide Access Prepaid Australia Pty Pty Ltd Ltd Date of preparation: 19 15 July June 2011 2012 Financial Services Guide Under the Corporations Act 2001 (Cth) we are required to provide
More informationInsurance Brokers Professional Indemnity Proposal Form
Insurance Brokers Professional Indemnity Proposal Form Solution Underwriting Agency Pty Ltd Level 6, 289 Flinders Lane Melbourne, VIC 3000 ABN 68 139 214 323 AFSL 407780 1 of 12 Additional information
More information(unofficial English translation)
REGULATION ON PREVENTION OF MONEY LAUNDERING AND FINANCING OF TERRORISM FOR MONEY TRANSFER BUSINESSES AND MONEY CHANGING BUSINESSES (unofficial English translation) REGULATION ON PREVENTION OF MONEY LAUNDERING
More informationClient Application Form (Joint) Account Opening Requirements
Client Application Form (Joint) Thank you for choosing OM Financial Limited ( OMF, we, us and our ). Whether you are wishing to trade financial or commodity futures and options, trade in equity markets
More informationYour super, your service. Ascend Self Managed Super Administration Services Guide
Your super, your service Ascend Self Managed Super Administration Services Guide Issued by Australian Securities Administration Limited (ASAL) ABN 83 002 905 197, AFSL No. 233182 Issued 1 November 2015
More informationPolicy on Prevention of Money Laundering and Terrorist Financing ABH Holding S.A.
Policy on Prevention of Money Laundering and Terrorist Financing ABH Holding S.A. 2013 CONTENT 1. GENERAL PROVISIONS... 3 2. THE SCOPE AND APPLICABILITY... 3 3. THE PURPOSE OF THE POLICY... 3 4. OBJECTIVES...
More informationFinancial Services Guide
Financial Services Guide 1. The Purpose of This Financial Services Guide This Financial Services Guide ( FSG ) is an important document. Please read it carefully and ensure that you understand it. Azure
More informationDEVELOPING AN AML (ANTI-MONEY LAUNDERING) PROGRAM:
DEVELOPING AN AML (ANTI-MONEY LAUNDERING) PROGRAM: Although the Department of the Treasury has not issued specific rules for hedge funds and hedge fund managers, hedge fund managers should adopt and implement
More informationSunsuper for life guide
Sunsuper for life guide Want to know more about: Superannuation Income in retirement Preparation date: 6 June 2016 Issue date: 1 July 2016 Contents 1 Benefits of investing with Sunsuper for life 1 Here
More informationPersonal Investment Management Service Corporate trustee application form
Personal Investment Management Service Corporate trustee application form Contents Section 1 Policy basis 2 In this section, tell us if you require the life assurance or capital redemtion basis Section
More informationHome Loan Application Form Page 1 of 21
Home Loan Application Form Page 1 of 21 CHECKLIST FOR SUPPORTING DOCUMENTS INCOME CONFIRMATION - FULL DOC LOANS INCOME CONFIRMATION - LO DOC LOANS Please te: Failure to supply all supporting information
More informationFORETHOUGHT LIFE INSURANCE COMPANY AND FORETHOUGHT NATIONAL LIFE INSURANCE COMPANY ANTI-MONEY LAUNDERING GUIDELINES FOR PRODUCERS
FORETHOUGHT LIFE INSURANCE COMPANY AND FORETHOUGHT NATIONAL LIFE INSURANCE COMPANY ANTI-MONEY LAUNDERING GUIDELINES FOR PRODUCERS Revised July 7, 2010 Which Insurance Products Are Covered By These Guidelines?
More informationApplication for superannuation benefits temporary residents departing Australia permanently
GPO Box 89 Melbourne Vic 3001 VicSuper Member Centre 1300 366 216 vicsuper.com.au Application for superannuation benefits temporary residents departing Australia permanently * Indicates that providing
More informationAppendix E: Know Your Client DUE DILIGENCE QUESTIONNAIRE
It is RBC policy to obtain information from all financial institutions doing business with RBC relative to their anti-money laundering, anti-terrorism controls. Your cooperation in completing this questionnaire
More informationTERM INVESTMENT ACCOUNT
TERM INVESTMENT ACCOUNT For completion by individual(s), parishes or organisations Please complete, detach and forward the Term Investment Account form to: The Anglican Savings and Development Fund PO
More informationPostcode: Postcode: Australia Business Number (ABN):
New client form Name of your AJ Park contact: Account name: Trading name: Full name of contact person: Mobile: Street address: Postcode: Postal address (if different from street address): Postcode: Phone:
More informationSELF MANAGED SUPER FUNDS
SELF MANAGED SUPER FUNDS The purpose of article is to attempt to 'demystify' the process of setting up a SMSF by outlining the characteristics of SMSF's and the benefits of setting them up. We will also
More informationUpdate on Anti-Money Laundering and Counter-Terrorism Financing Reforms for Legal Practitioners
Update on Anti-Money Laundering and Counter-Terrorism Financing Reforms for Legal Practitioners 22 December 2006 GPO Box 1989, Canberra ACT 2601, DX 5719 Canberra 19 Torrens St Braddon ACT 2612 Telephone
More informationAVA - Diners Club Business Card Application
AVA - Diners Club Business Card Application Please provide ALL information requested to avoid delays in processing the application. Please complete this form in BLACK pen and BLOCK CAPITALS. Before completing
More informationANTI-MONEY LAUNDERING AND COUNTER-TERRORISM FINANCING (AML AND CTF) PROGRAM PART A
PART A 1. AML and CTF Risk Assessment 1.1. This AML & CTF Program sets risk assessment process which is grounded on risk-based approach. 1.2. The main components of the risk assessment process are: 1.2.1.
More informationProduct Disclosure Statement
Product Disclosure Statement Linear Managed Accounts Issuer and Responsible Entity Linear Asset Management Ltd ABN 11 119 757 596 AFSL 304542 Linear Managed Accounts ARSN 128 111 857 Dated 1 July 2014
More informationStockbroking. INDIVIDUAL/JOINT ACCOUNT application form. Please only use this form to open a trading account: in your name, or in joint names
Stockbroking INDIVIDUAL/JOINT ACCOUNT application form Please only use this form to open a trading account: in your name, or in joint names In order to process your application we will need: your completed
More information10 Shenton Way MAS Building Singapore 079117 Telephone: (65) 6225 5577 Facsimile: (65) 6229 9229
10 Shenton Way MAS Building Singapore 079117 Telephone: (65) 6225 5577 Facsimile: (65) 6229 9229 Circular No. CMI 03/2015 28 October 2015 To: Holders of a Capital Markets Services Licence for conducting
More informationPolicies & Procedures
DMG Financial Planning Pty Ltd Policies & Procedures Web: www.dmgfinancial.com.au e-mail: fp@dmgfinancial.com.au Policy Name: Privacy Policy Date of Policy: March 2014 Next Review: March 2015 Privacy Policy
More informationDiageo plc. Postal Share Dealing Service
Diageo plc Postal Share Dealing Service In Association with STOCKTRADE A Division of Brewin Dolphin Securities Ltd Authorised and Regulated by the Financial Services Authority Please note that the share
More informationReview of an SMSF audit engagement questionnaire
Review of an SMSF audit engagement questionnaire Introduction Instructions for the Reviewer This questionnaire has been designed to help you assess whether the audit of Self Managed Superannuation Funds
More informationTRUST ACCOUNT APPLICATION FORM (FOR CORPORATE TRUSTEES) WHICH NEDBANK PRIVATE WEALTH OFFICE DO YOU WISH TO APPLY FOR AN ACCOUNT WITH:
Please complete in BLOCK CAPITALS and black ink. If you need help to complete this form, please call us on 0800 289 936 (Freephone UK only) or +44 (0) 1624 645000 WHICH NEDBANK PRIVATE WEALTH OFFICE DO
More informationExpert Managed Solutions ISA Transfer Form
Expert Managed Solutions ISA Transfer Form Your information For details of how we and others will use your information, please look for the padlock symbol below and in the Investment Options ISA Terms
More information