[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-0-en-105":3,"doc-seo-456690-105":59,"doc-detail-456690-en":130},{"code":4,"msg":5,"data":6},0,"success",[7,13,18,23,28,33,38,43,48,51,55],{"id":8,"doc_module":4,"doc_module_name":9,"category_name":10,"show_sort_weight":11,"slug":12},1,"Document","Story & Novel",90,"story-novel",{"id":14,"doc_module":4,"doc_module_name":9,"category_name":15,"show_sort_weight":16,"slug":17},2,"Literature",80,"literature",{"id":19,"doc_module":4,"doc_module_name":9,"category_name":20,"show_sort_weight":21,"slug":22},4,"Exam",70,"exam",{"id":24,"doc_module":4,"doc_module_name":9,"category_name":25,"show_sort_weight":26,"slug":27},5,"Comic",60,"comic",{"id":29,"doc_module":4,"doc_module_name":9,"category_name":30,"show_sort_weight":31,"slug":32},6,"Technology",50,"technology",{"id":34,"doc_module":4,"doc_module_name":9,"category_name":35,"show_sort_weight":36,"slug":37},7,"Healthcare",40,"healthcare",{"id":39,"doc_module":4,"doc_module_name":9,"category_name":40,"show_sort_weight":41,"slug":42},8,"Research & Report",30,"research-report",{"id":44,"doc_module":4,"doc_module_name":9,"category_name":45,"show_sort_weight":46,"slug":47},9,"Religion & Spirituality",20,"religion-spirituality",{"id":46,"doc_module":4,"doc_module_name":9,"category_name":49,"show_sort_weight":46,"slug":50},"World Cup","world-cup",{"id":52,"doc_module":4,"doc_module_name":9,"category_name":53,"show_sort_weight":52,"slug":54},10,"Lifestyle","lifestyle",{"id":56,"doc_module":4,"doc_module_name":9,"category_name":57,"show_sort_weight":24,"slug":58},19,"General","general",{"code":4,"msg":60,"data":61},"ok",{"site_id":62,"language":63,"slug":64,"title":65,"keywords":66,"description":67,"schema_data":68,"social_meta":123,"head_meta":125,"extra_data":127,"updated_unix":129},105,"en","01faqs_fis_01092020","01.FAQs_FIs_01092020","","Frequently Asked Questions (FAQs) clarifying the Anti-Money Laundering, Countering Financing of Terrorism and Targeted Financial Sanctions (AML/CFT and TFS) requirements for financial institutions. The text explains that the FAQs are for reporting institutions’ common queries and do not replace obligations in the underlying policy document. It also provides guidance on where to submit queries to Bank Negara Malaysia, and includes a structured table of contents covering governance, risk-based approach, customer due diligence, politically exposed persons, third-party reliance, reporting obligations, record keeping, enforcement orders, and targeted financial sanctions, with appendices on higher risk countries and wire transfers.",{"@graph":69,"@context":122},[70,84,105],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":40,"@type":76,"position":81},"https://docshare.wps.com/document/research-report/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/01faqs_fis_01092020/456690/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/01faqs_fis_01092020/456690.png","ImageObject",300,407,{"name":92,"@type":93},"adawds","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-10-08","2026-09-30",true,{"@type":102,"interactionType":103,"userInteractionCount":29},"InteractionCounter",{"@type":104},"ViewAction",{"@type":106,"mainEntity":107},"FAQPage",[108,114,118],{"name":109,"@type":110,"acceptedAnswer":111},"What is the purpose of these FAQs for financial institutions?","Question",{"text":112,"@type":113},"The FAQs are intended to clarify common queries of reporting institutions relating to the AML/CFT and TFS policy document. They are not meant to replace any requirements in the policy document.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"How can reporting institutions submit additional queries related to the policy document?",{"text":117,"@type":113},"Queries can be submitted via mail or email to Bank Negara Malaysia using the provided contact details for the Financial Intelligence and Enforcement Department.",{"name":119,"@type":110,"acceptedAnswer":120},"In the definition of beneficial owner, does it include senior management positions like CEO, CFO, COO?",{"text":121,"@type":113},"The first step to identify the beneficial owner focuses on shareholders and directors, excluding individuals appointed as executives such as CEO, CFO, or COO, unless those individuals are also shareholders or directors.","https://schema.org",{"og:url":83,"og:type":124,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":126,"canonical":83},"index,follow",{"doc_id":128,"site_id":62},456690,1790941765,{"code":4,"msg":5,"data":131},{"doc_id":128,"user_id":132,"nickname":92,"user_avatar":133,"doc_module":4,"category_id":39,"category_name":40,"doc_title":65,"doc_description":67,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":29,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":139,"language":140,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":141,"faqs":142,"seo_title":143,"seo_description":67,"update_tm":144,"read_time":145},3985747872983,"https://ap-avatar.wpscdn.com/davatar_994ba38a5ba835b3df7d355c54d3ed8d","Frequently Asked Questions on  \nAnti-Money Laundering,  \nCountering Financing of Terrorism and Targeted Financial Sanctions for Financial Institutions  \n(FAQs on AML/CFTand TFS for FIs)  \nIntroduction  \nThe Frequently Asked Questions (FAQs) are intended to provide clarification to reporting institutions on common queries in relation to the Anti-Money Laundering, Countering Financing of Terrorism and Targeted Financial Sanctions for Financial Institutions policy document (Policy Document) .  \nThese FAQs are not intended to replace any requirements in the Policy Document.  \nAny refinements to the FAQs will be updated by Bank Negara Malaysia from time to time.  \nShould you have any additional queries related to Policy Document , please submit the queries via any of the following means:  \na. Mail : Director  \nFinancial Intelligence and Enforcement Department  \nBank Negara Malaysia  \nJalan Dato’ Onn  \n50480 Kuala Lumpur  \n[b. Email : amlpolicy@bnm.gov.my](b. Email : amlpolicy@bnm.gov.my)  \nBank Negara Malaysia  \n1 September 2020  \nTABLE OF CONTENTS  \nIntroduction ................................................................................................................... 1  \nGlossary ......................................................................................................................... 3  \nDefinition and Interpretation ........................................................................................ 4  \nApplication of Risk-Based Approach .......................................................................... 7  \nAML/CFT Compliance Programme .............................................................................. 9  \nCustomer Due Diligence (CDD) .................................................................................. 12  \nPolitically Exposed Persons (PEPs) .......................................................................... 24  \nReliance on Third Parties ........................................................................................... 25  \nHigher Risk Countries................................................................................................. 25  \nMoney or Value Transfer Services (MVTS) .............................................................. 26  \nWire Transfers ............................................................................................................. 27  \nCash Threshold Report (CTR) .................................................................................... 27  \nSuspicious Transaction Report (STR) ....................................................................... 28  \nDisclosure of Suspicious Transaction Report, Cash Threshold Report and Related Information..................................................................................................... 29  \nRecord Keeping........................................................................................................... 30  \nEnforcement Orders.................................................................................................... 31  \nTargeted Financial Sanctions .................................................................................... 31  \nOther Reporting Obligations ...................................................................................... 39  \nAPPENDIX A: Infographic on Higher Risk Countries............................................... 40  \nAPPENDIX B: Infographic on Wire Transfers ........................................................... 42  \nGLOSSARY  \n\n| No | Abbreviation | Description |\n| --- | --- | --- |\n| 1 | AKPK | Agensi Kaunseling & Pengurusan Kredit |\n| 2 | AMLA | Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001 |\n| 3 | AML/CFT | Anti-Money Laundering and Countering Financing of Terrorism |\n| 4 | ASNB | Amanah Saham Nasional Berhad |\n| 5 | BO | Beneficial Owner |\n| 6 | CDD | Customer Due Diligence |\n| 7 | CDM | Cash Deposit Machine |\n| 8 | CTR | Cash Threshol","cbCaiuxQLXqGwYlp","https://ap.wps.com/l/cbCaiuxQLXqGwYlp","pdf",1076405,45,"English","# Introduction\n# Glossary\n## Definition and Interpretation\n## Application of Risk-Based Approach\n## AML/CFT Compliance Programme\n## Customer Due Diligence (CDD)\n## Politically Exposed Persons (PEPs)\n## Reliance on Third Parties\n## Higher Risk Countries\n## Money or Value Transfer Services (MVTS)\n## Wire Transfers\n## Cash Threshold Report (CTR)\n## Suspicious Transaction Report (STR)\n## Record Keeping\n## Enforcement Orders\n## Targeted Financial Sanctions\n## Other Reporting Obligations\n# Appendix A: Infographic on Higher Risk Countries\n# Appendix B: Infographic on Wire Transfers","[{\"question\":\"What is the purpose of these FAQs for financial institutions?\",\"answer\":\"The FAQs are intended to clarify common queries of reporting institutions relating to the AML/CFT and TFS policy document. They are not meant to replace any requirements in the policy document.\"},{\"question\":\"How can reporting institutions submit additional queries related to the policy document?\",\"answer\":\"Queries can be submitted via mail or email to Bank Negara Malaysia using the provided contact details for the Financial Intelligence and Enforcement Department.\"},{\"question\":\"In the definition of beneficial owner, does it include senior management positions like CEO, CFO, COO?\",\"answer\":\"The first step to identify the beneficial owner focuses on shareholders and directors, excluding individuals appointed as executives such as CEO, CFO, or COO, unless those individuals are also shareholders or directors.\"}]","01.FAQs_FIs_01092020 | PDF",1790746729,113]