Regulations Governing the Deposit Accounts and Suspicious or Unusual Transactions Article 4
The criteria for identifying what constitutes a "deposit account with suspicious or unusual transactions" as referred to in these Regulations, and the classification scheme for such accounts, are as follows:1. Category One:(1) Deposit accounts opened under fake names,(2) Watch-listed accounts, and(3) Derivative watch-listed accounts.2. Category Two:(1) The applicant frequently applies to open a deposit account or to set up designated accounts over a short period of time without a reasonable explanation.(2) The transaction functions applied for are obviously inconsistent with the customer’s age or background.(3) The contact information provided by the customer cannot be verified by using reasonable measures.(4) The deposit account has been reported by a financial institution or a member of the public as being used by someone suspected of criminal activities.(5) The deposit account has been used for frequent small-amount inward and outward remittances suspected of being probing activities.(6) The user makes frequent use of electronic services or facilities of banks within a short period of time in a manner that is obviously at variance with the normal transaction activities of the customer.(7) An inactive deposit account with unexpected unusual transactions.(8) A non-Taiwanese person who is found by a bank to have had relevant identity certification documents, such as resident certificates provided for verification upon opening a deposit account, revoked prior to expiration, to have overstayed, or to have been reported as missing.(9) A deposit account whose account holder provides the same mobile phone number as that provided by the account holder of another watch-listed account at the same bank, and which is suspected to be used for criminal activity.(10) The virtual account linked to the deposit account has been reported as a watch-listed account several times within a certain period of time.(11) A customer who is verified by a bank to have been reported as a missing person.(12) A domestic deposit account listed by a judicial police authority as suspected of involvement in fraud.(13) Other deposit accounts determined by the competent authority or banks to be suspected of being illegal or obviously abnormal.
中文原文 存款帳戶及其疑似不法或顯屬異常交易管理辦法第4條
本辦法所稱疑似不法或顯屬異常交易存款帳戶之認定標準及分類如下：
一、第一類：
（一）屬偽冒開戶者。
（二）屬警示帳戶者。
（三）屬衍生管制帳戶者。
二、第二類：
（一）短期間內頻繁申請開立存款帳戶或設定約定帳號，且無法提出合理說明者。
（二）客戶申請之交易功能與其年齡或背景顯不相當者。
（三）客戶提供之聯絡資料均無法以合理之方式查證者。
（四）存款帳戶經金融機構或民眾通知，疑為犯罪行為人使用者。
（五）存款帳戶內常有多筆小額轉出入交易，近似測試行為者。
（六）短期間內密集使用銀行之電子服務或設備，與客戶日常交易習慣明顯不符者。
（七）存款帳戶久未往來，突有異常交易者。
（八）非本國籍人士，經銀行得知開戶時所提供查核之居留證等相關身分證明文件，已於期滿前遭註銷或屬逾期居留，或經通報行方不明者。
（九）開戶人所留存之手機號碼與同一銀行內警示帳戶之開戶人所留存之手機號碼相同，且疑為犯罪行為人使用者。
（十）存款帳戶所連結之虛擬帳號，於一定期間內多次遭通報列為警示者。
（十一）經銀行得知客戶已遭通報為失蹤人口者。
（十二）屬司法警察機關所列疑涉詐騙境內金融帳戶者。
（十三）其他經主管機關或銀行認定有疑似不法或顯屬異常交易之虞者。
一、第一類：
（一）屬偽冒開戶者。
（二）屬警示帳戶者。
（三）屬衍生管制帳戶者。
二、第二類：
（一）短期間內頻繁申請開立存款帳戶或設定約定帳號，且無法提出合理說明者。
（二）客戶申請之交易功能與其年齡或背景顯不相當者。
（三）客戶提供之聯絡資料均無法以合理之方式查證者。
（四）存款帳戶經金融機構或民眾通知，疑為犯罪行為人使用者。
（五）存款帳戶內常有多筆小額轉出入交易，近似測試行為者。
（六）短期間內密集使用銀行之電子服務或設備，與客戶日常交易習慣明顯不符者。
（七）存款帳戶久未往來，突有異常交易者。
（八）非本國籍人士，經銀行得知開戶時所提供查核之居留證等相關身分證明文件，已於期滿前遭註銷或屬逾期居留，或經通報行方不明者。
（九）開戶人所留存之手機號碼與同一銀行內警示帳戶之開戶人所留存之手機號碼相同，且疑為犯罪行為人使用者。
（十）存款帳戶所連結之虛擬帳號，於一定期間內多次遭通報列為警示者。
（十一）經銀行得知客戶已遭通報為失蹤人口者。
（十二）屬司法警察機關所列疑涉詐騙境內金融帳戶者。
（十三）其他經主管機關或銀行認定有疑似不法或顯屬異常交易之虞者。