Regulations Governing Internal Audit and Internal Control System of Anti-Money Laundering and Countering Terrorism Financing of Banking Business and Other Financial Institutions Designated by the Financial Supervisory Commission Article 5
A banking business and other financial institutions designated by the FSC shall conduct domestic and cross-border outward and inward wire transfers involving foreign currencies in accordance with the following regulations:1. Banking business: Conduct wire transfers involving foreign currencies in accordance with the Directions Governing Banking Enterprises for Operating Foreign Exchange Business.2. Electronic payment institution: Conduct wire transfers involving foreign currencies in accordance with the Rules Governing the Administration of Electronic Payment Business.3. Foreign migrant worker remittance company: Conduct wire transfers involving foreign currencies in accordance with the Regulations Governing Small Amount Remittance Services for Foreign Migrant Workers.A banking business and other financial institutions designated by the FSC shall conduct domestic wire transfers involving New Taiwan Dollar (hereinafter referred to as the “NTD”) as ordering financial institutions in accordance with the following rules:1. Provide required and accurate originator information and required beneficiary information by any of the means below:(1) Include information on the originator and the beneficiary accompanying the wire transfer; or(2) Include the account number or a unique transaction reference number which permits the transaction to be traced back to the originator and the beneficiary and make information available within three business days of receiving the request either from the beneficiary financial institution or from appropriate competent authorities. However, Law enforcement authorities should be able to compel immediate production or such information and the banking business shall respond accordingly.2. Maintain the following required information on the originator and the beneficiary in accordance with Article 12 of the Regulations Governing Anti-Money Laundering of Financial Institutions:(1) The aforementioned originator information shall include: name of the originator, the originator account number where such an account is used to process the transaction (if not available, a unique transaction reference number that permits traceability), and the information by any of the means below:A. National identity number;B. The originator’s address; orC. Date and place of birth.(2) The aforementioned beneficiary information shall include: name of the beneficiary and the beneficiary account number (if not available, a unique transaction reference number that permits traceability).A banking business or other financial institutions designated by the FSC that fail to conduct wire transfers in accordance with the two preceding paragraphs are not allowed to engage in wire transfer business.A banking businesses or other financial institutions designated by the FSC serving as beneficiary financial institutions shall conduct domestic wire transfers involving NTD in accordance with the following rules:1. Have risk-based policies and procedures for determining when to execute, reject, or suspend a wire transfer lacking the information specified under Subparagraph 2, Paragraph 2 hereof, and the appropriate follow-up action.2. Maintain the information on the originator and the beneficiary received in accordance with Article 12 of the Regulations Governing Anti-Money Laundering of Financial Institutions.
中文原文 銀行業及其他經金融監督管理委員會指定之金融機構防制洗錢及打擊資恐內部控制與稽核制度實施辦法第5條
銀行業及其他經本會指定之金融機構辦理外匯境內及跨境之一般匯出及匯入匯款業務，應依下列規定辦理：
一、銀行業：應依銀行業辦理外匯業務作業規範辦理。
二、電子支付機構：應依電子支付機構業務管理規則辦理。
三、外籍移工匯兌公司：應依外籍移工國外小額匯兌業務管理辦法辦理。
銀行業及其他經本會指定之金融機構擔任新臺幣境內匯款之匯款方時，應依下列規定辦理：
一、應採下列方式之一提供必要且正確之匯款人資訊及必要之受款人資訊：
（一）隨匯款交易提供匯款人及受款人資訊。
（二）隨匯款交易提供匯款人及受款人之帳戶號碼或可供追蹤之交易碼，並於收到受款金融機構或權責機關請求時，於三個營業日內提供匯款人及受款人資訊。
但檢察機關及司法警察機關要求立即提供時，應配合辦理。
二、應依金融機構防制洗錢辦法第十二條規定，保存下列匯款人及受款人之必要資訊：
（一）匯款人資訊應包括：匯款人姓名、扣款帳戶號碼（如無，則提供可供追蹤之交易碼）及下列各項資訊之一：1.身分證號。
2.匯款人地址。
3.出生日期及出生地。
（二）受款人資訊應包括：受款人姓名、受款帳戶號碼（如無，則提供可供追蹤之交易碼）。
銀行業及其他經本會指定之金融機構未能依前二項規定辦理時，不得執行匯款業務。
銀行業及其他經本會指定之金融機構擔任新臺幣境內匯款之受款方時，應依下列規定辦理：
一、應具備以風險為基礎之政策及程序，以判斷何時執行、拒絕或暫停缺少第二項第二款必要資訊之匯款，及適當之後續追蹤行動。
二、應依金融機構防制洗錢辦法第十二條規定，保存所取得之匯款人及受款人資訊。
一、銀行業：應依銀行業辦理外匯業務作業規範辦理。
二、電子支付機構：應依電子支付機構業務管理規則辦理。
三、外籍移工匯兌公司：應依外籍移工國外小額匯兌業務管理辦法辦理。
銀行業及其他經本會指定之金融機構擔任新臺幣境內匯款之匯款方時，應依下列規定辦理：
一、應採下列方式之一提供必要且正確之匯款人資訊及必要之受款人資訊：
（一）隨匯款交易提供匯款人及受款人資訊。
（二）隨匯款交易提供匯款人及受款人之帳戶號碼或可供追蹤之交易碼，並於收到受款金融機構或權責機關請求時，於三個營業日內提供匯款人及受款人資訊。
但檢察機關及司法警察機關要求立即提供時，應配合辦理。
二、應依金融機構防制洗錢辦法第十二條規定，保存下列匯款人及受款人之必要資訊：
（一）匯款人資訊應包括：匯款人姓名、扣款帳戶號碼（如無，則提供可供追蹤之交易碼）及下列各項資訊之一：1.身分證號。
2.匯款人地址。
3.出生日期及出生地。
（二）受款人資訊應包括：受款人姓名、受款帳戶號碼（如無，則提供可供追蹤之交易碼）。
銀行業及其他經本會指定之金融機構未能依前二項規定辦理時，不得執行匯款業務。
銀行業及其他經本會指定之金融機構擔任新臺幣境內匯款之受款方時，應依下列規定辦理：
一、應具備以風險為基礎之政策及程序，以判斷何時執行、拒絕或暫停缺少第二項第二款必要資訊之匯款，及適當之後續追蹤行動。
二、應依金融機構防制洗錢辦法第十二條規定，保存所取得之匯款人及受款人資訊。