Compliance

  • TCSP Compliance
  • 根據《打擊洗錢及恐怖分子資金籌集條例》（第 615 章）（《打擊洗錢條例》），任何人在沒有牌照的情況下在香港經營信託或公司服務業務，即屬犯罪。一經定罪，最高可被處罰款港幣 100,000 元及可被判處監禁 6 個月。
  • 信託或公司服務提供者發牌制度: 《打擊洗錢條例》第 5A 部生效後，公司註冊處轄下的「信託及公司服務提供者註冊辦事處」會實施及執行為信託或公司服務提供者而設的新發牌制度。信託或公司服務提供者亦須遵從有關客戶盡職審查及備存紀錄的法例規定。
  • 信託或公司服務持牌人必須評估其業務的洗錢/恐怖分子資金籌集風險，並就以下事項制定及實施政策、程序及管控措施（以下統稱為「反洗錢及恐怖分子集資制度」）：
  • (a) 風險評估；
  • (b) 客戶盡職審查（下稱「盡職審查」）措施；
  • (c) 持續對客戶進行監察；
  • (d) 可疑交易舉報；
  • (e) 備存紀錄；
  • (f) 僱員甄選程序；
  • (g) 員工培訓；及
  • (h) 獨立審計職能。

Compliance Officer 合規主任
一般職責: 合規主任是負責確保組織遵守監管、法律和道德標準的專業人員。首席合規主任 (CCO) 從戰略層面監督整個合規計劃，合規主任則在合規部門內辛勤工作，專注於營運和戰術合規職責。

合規主任的主要職責包括：

  • 法規合規 – 確保組織遵守適用的法律、法規和行業標準。
  • 內部政策執行 – 制定、實施和監督合規政策和程序。
  • 風險評估與緩解 – 辨識合規風險並實施控制措施以防止違規。
  • 訓練與意識提升 – 對員工進行合規相關議題的教育，例如資料保護、反賄賂或財務法規。
  • 監督與報告 – 進行審計、審查，並向高階管理層或監管機構報告合規違規行為。
  • 調查與補救 – 協助對合規違規行為進行內部調查，並確保採取糾正措施。

TCSP 合規主任 洗錢報告主任 TCSP Compliance Officer , Money Laundering Reporting Officer

TCSP Compliance Officer (TCSP Guideline): The principal function of the CO is to act as the focal point within a TCSP licensee for the oversight of all activities relating to the prevention and detection of ML/TF, and providing support and guidance to the senior management to ensure that ML/TF risks are adequately identified, understood and managed. In particular, the CO should assume responsibility for:

  • (a) developing and/or continuously reviewing the TCSP licensee’s AML/CFT Systems, including any group-wide AML/CFT Systems in the case of a Hong Kong-incorporated TCSP licensee, to ensure they remain up-to-date, meet current statutory and regulatory requirements, and are effective in managing ML/TF risks arising from the TCSP licensee’s business;
  • (b) overseeing all aspects of the TCSP licensee’s AML/CFT Systems which include monitoring effectiveness and enhancing the controls and rocedures where necessary;
  • (c) communicating key AML/CFT issues with senior management, including, where appropriate, significant compliance deficiencies; and
  • (d) ensuring AML/CFT staff training is adequate, appropriate and effective.
(TCSP Guideline 3.9 – 3.10)

MLRO : A TCSP licensee should appoint an MLRO as a central reference point for reporting suspicious transactions and also as the main point of contact with the Joint Financial Intelligence Unit (JFIU) and law enforcement agencies. The MLRO should play an active role in the identification and reporting of suspicious transactions. Principal functions of the MLRO should include having oversight of:

  • (a) review of internal disclosures and exception reports and, in light of all available relevant information, determining whether or not it is necessary to make a report to the JFIU;
  • (b) maintenance of all records related to such internal reviews; and
  • (c) provision of guidance on how to avoid tipping off.
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