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Kamis, 02 Juni 2011

Circular Letter of Bank Indonesia No. 11/31/DPNP

Jakarta, 30 November 2009

CIRCULAR LETTER
No. 11/31/DPNP

Intended for
ALL COMMERCIAL BANKS IN INDONESIA

Regarding : Standard Guidelines for Implementation of Anti Money Laundering and Combating the Financing of Terrorism Program for Commercial Banks

With the issuance of Regulation of Bank Indonesia Number 11/28/PBI/2009 dated July 1, 2009 concerning The Implementation of Anti Money Laundering and Combating the Financing of Terrorism Program for Commercial Banks (State Gazette of the Republic of Indonesia of 2009 Number 106, Supplement to the State Gazette of the Republic of Indonesia Number 5032), it is deemed necessary to establish the Guide to Standard for The Implementation Anti Money Laundering and Combating The Financing of Terrorism Program for Commercial Banks as presented in the appendix to this Circular Letter of Bank Indonesia.

The Guide to Standard for The Implementation Anti Money Laundering and Combating The Financing of Terrorism Program for Commercial Banks serves as a reference for minimum requirements that must be complied by Banks in putting together Practical Guidelines for Anti Money Laundering and Combating The Financing of Terrorism Program.

The Guide to Standard for The Implementation Anti Money Laundering and Combating The Financing of Terrorism Program is to include at the least the following aspects:
  1. Management;
  2. CDD and EDD Policies;
  3. Classifying Customer using Risk Based Approach;
  4. Procedure on acceptance, identification, and verification (Customer Due Dilligence)
  5. High risk area and Politically Exposed Person (PEP);
  6. CDD implementation procedure performed by third party;
  7. Cross Border Correspondent Banking;
  8. Wire transfer procedure;
  9. Internal Control System;
  10. Information management system;
  11. Human Resources and Employees Training
  12. Policy and procedure on AML and CFT program implementation at the bank’s office and subsidiary in foreign jurisdiction; and
  13. Record keeping and reporting,
therefore the whole of Guide to Standard for the Implementation Anti Money Laundering and Combating the Financing of Terrorism Program as presented in the appendix to this Circular Letter of Bank Indonesia.

 Regulations in this Circular Letter of Bank Indonesia are valid as of 30 November 2009.

So as to inform every person concerned, dictating the placement of this Regulation of Bank Indonesia in the State Gazette of the Republic of Indonesia.

Kindly be informed.
BANK INDONESIA,

HALIM ALAMSYAH
DIRECTORATE DIRECTOR
BANKING RESEARCH AND REGULATION

Jakarta, 30 November 2009
------------------------------------------------------
SURAT EDARAN
No. 11/31/DPNP

Kepada
SEMUA BANK UMUM DI INDONESIA

Perihal: Pedoman Standar Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme bagi Bank Umum

Dengan dikeluarkannya Peraturan Bank Indonesia Nomor 11/28/PBI/2009 tanggal 1 Juli 2009 tentang Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme Bagi Bank Umum (Lembaran Negara Republik Indonesia Tahun 2009 Nomor 106, Tambahan Lembaran Negara Republik Indonesia Nomor 5032) maka perlu ditetapkan Pedoman Standar Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme bagi Bank Umum sebagaimana terdapat dalam lampiran yang merupakan bagian yang tidak terpisahkan dari Surat Edaran Bank Indonesia ini.

Pedoman Standar Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme bagi Bank Umum tersebut merupakan acuan standar minimum yang wajib dipenuhi oleh Bank Umum dalam menyusun Pedoman Pelaksanaan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme.

Pedoman Standar Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme mencakup hal-hal sebagai berikut:
  1. Manajemen;
  2. Kebijakan CDD dan EDD;
  3. Pengelompokan Nasabah Menggunakan Pendekatan Berdasarkan Risiko (Risk Based Approach);
  4. Prosedur penerimaan, identifikasi, dan verifikasi (Customer Due Dilligence)
  5. Area berisiko tinggi dan Politically Exposed Person (PEP);
  6. Prosedur Pelaksanaan CDD oleh Pihak Ketiga;
  7. Cross Border Correspondent Banking;
  8. Prosedur Transfer Dana;
  9. Sistem Pengendalian Intern;
  10. Sistem Manajemen Informasi;
  11. Sumber Daya Manusia dan Pelatihan Karyawan
  12. Kebijakan dan Prosedur Penerapan APU dan PPT pada Kantor Bank dan Anak Perusahaan di Luar Negeri; dan
  13. Penatausahaan Dokumen dan Pelaporan,
sehingga keseluruhan Pedoman Standar Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme menjadi sebagaimana lampiran Surat Edaran ini.

Ketentuan dalam Surat Edaran ini mulai berlaku tanggal 30 November 2009.

Agar setiap orang mengetahuinya, memerintahkan pengumuman Surat Edaran ini dengan penempatannya dalam Berita Negara Republik Indonesia.

Demikian agar Saudara maklum.
BANK INDONESIA,
HALIM ALAMSYAH

DIREKTUR PENELITIAN DAN PENGATURAN PERBANKAN
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