Regulations Governing Implementation of Internal Control and Audit System for Anti-Money Laundering and Countering Terrorism Financing of Insurance Companies, Post Offices Engaging in Simple Life Insurance Business and Other Financial Institutions De Article 6
Insurance companies, post offices engaging in simple life insurance business and other FSC-designated institutions shall be staffed with adequate number of AML/CFT personnel and resources appropriate to the size and risks of its business. Its board of directors (council) shall appoint a senior officer to act as the chief AML/CFT compliance officer and vest the officer full authority in coordinating and supervising AML/CFT implementation and shall ensure that its AML/CFT personnel and the chief AML/CFT compliance officer do not hold concurrent posts that may have a conflict of interest with their AML/CFT responsibilities. A domestic life insurance company shall, in addition, set up an independent, dedicated AML/CFT compliance unit under the president, or the legal compliance unit or risk management unit of the head office. The AML/CFT compliance unit may not handle businesses other than AML/CFT.For insurance agent companies and insurance broker companies that solicit insurance business but are not subject to the requirement for internal control set forth in Subparagraph 2, Article 2 of the Regulations Governing the Implementation of Internal Control and Audit System and Business Solicitation System of Insurance Agent Companies and Insurance Broker Companies (referred to as the “Implementation Regulations” hereunder), its board of directors (council or delegated responsible unit) shall assign at least one personnel to handle the AML/CFT operation and make sure that such personnel does not hold concurrent posts that may have a conflict of interest with his/her AML/CFT responsibilities. However insurance agent companies shall comply with the provisions of the preceding paragraph regarding the appointment of AML/CFT personnel and officer insurance company with respect to its underwriting and claim settlement operations undertaken on behalf of an insurance company.The dedicated compliance unit or chief AML/CFT compliance officer mentioned in Paragraphs 1 shall be charged with the following duties:1. Supervising the planning and implementation of policies and procedures for identifying, assessing and monitoring money laundering and terrorist financing risks.2. Coordinating and supervising enterprise-wide AML/CFT risk identification and assessment.3. Monitoring and controlling money laundering and terrorist financing risks.4. Developing an AML/CFT program.5. Coordinating and supervising the implementation of AML/CFT program.6. Confirming compliance with AML/CFT regulations, including the relevant compliance template or self-regulatory rules produced by the trade association the enterprise belongs to and approved by the FSC.7. Supervising the reporting on transactions suspicious of money laundering or terrorist financing and on the properties or property interests and location of individuals or legal entities designated by the Counter-Terrorism Financing Act to the Investigation Bureau, Ministry of Justice.8. Other matters related to AML/CFT.The chief AML/CFT compliance officer mentioned in Paragraph 1 hereof should report to the board of directors (council) and supervisors (board of supervisors) or the audit committee at least semiannually, or whenever a major regulatory violation is discovered.The foreign business units of an insurance company, a post office engaging in simple life insurance business or an other FSC-designated institution shall be staffed with an adequate number of AML/CFT personnel in view of the number of local branches, and the size and risks of its business, and appoint an AML/CFT compliance officer to take charge of the coordination and supervision of related compliance matters.The appointment of AML/CFT compliance officer by the foreign business unit of an insurance company, a post office engaging in simple life insurance business or an other FSC-designated institution shall comply with the local regulations and the requirements of the host country. The AML/CFT compliance officer shall be vested with full authority in coordinating and supervising AML/CFT implementation, including reporting directly to the chief AML/CFT compliance officer mentioned in Paragraph 1 and should not hold other posts except for the post of legal compliance officer. If the AML/CFT compliance officer holds other concurrent posts, the foreign business unit should communicate the fact with the local competent authority of the host country to confirm that the holding of other concurrent posts will not result or potentially result in conflict of interest, and report the matter to the FSC for recordation.
中文原文 保險公司與辦理簡易人壽保險業務之郵政機構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6條
保險公司、辦理簡易人壽保險業務之郵政機構及其他經本會指定機構應依其規模、風險等配置適足之防制洗錢及打擊資恐專責人員及資源，並由董（理）事會指派高階主管一人擔任專責主管，賦予協調監督防制洗錢及打擊資恐之充分職權，及確保該等人員及主管無與其防制洗錢及打擊資恐職責有利益衝突之兼職。
其中本國人身保險公司並應於總經理、總機構法令遵循單位或風險控管單位下設置獨立之防制洗錢及打擊資恐專責單位，該單位不得兼辦防制洗錢及打擊資恐以外之其他業務。
未適用保險代理人公司保險經紀人公司內部控制稽核制度及招攬處理制度實施辦法（以下簡稱實施辦法）第二條第二項規定辦理內部控制之保險代理人公司及保險經紀人公司辦理招攬保險契約業務者，應由董（理）事會（或分層授權之權責單位）指派至少一人辦理防制洗錢及打擊資恐之業務，並確保該等人員無與其防制洗錢及打擊資恐職責有利益衝突之兼職。
但保險代理人公司代理保險公司辦理核保及理賠業務者，應依前項有關保險公司設置專責人員及專責主管之規定辦理。
第一項專責單位或專責主管掌理下列事務：
一、督導洗錢及資恐風險之辨識、評估及監控政策及程序之規劃與執行。
二、協調督導全面性洗錢及資恐風險辨識及評估之執行。
三、監控與洗錢及資恐有關之風險。
四、發展防制洗錢及打擊資恐計畫。
五、協調督導防制洗錢及打擊資恐計畫之執行。
六、確認防制洗錢及打擊資恐相關法令之遵循，包括所屬同業公會所定並經本會備查之相關範本或自律規範。
七、督導向法務部調查局進行疑似洗錢或資恐交易申報及資恐防制法指定對象之財物或財產上利益及其所在地之通報事宜。
八、其他與防制洗錢及打擊資恐有關之事務。
第一項專責主管應至少每半年向董（理）事會及監察人（監事、監事會）或審計委員會報告，如發現有重大違反法令時，應即時向董事（理）會及監察人（監事、監事會）或審計委員會報告。
保險公司、辦理簡易人壽保險業務之郵政機構及其他經本會指定機構國外營業單位應綜合考量在當地之分公司家數、業務規模及風險等，設置適足之防制洗錢及打擊資恐人員，並指派一人為主管，負責執行防制洗錢及打擊資恐法令之協調督導事宜。
保險公司、辦理簡易人壽保險業務之郵政機構及其他經本會指定機構國外營業單位防制洗錢及打擊資恐主管之設置應符合當地法令規定及當地主管機關之要求，並應具備協調督導防制洗錢及打擊資恐之充分職權，包括可直接向第一項專責主管報告，且除兼任法令遵循主管外，應為專任，如兼任其他職務，應與當地主管機關溝通，以確認其兼任方式無職務衝突之虞，並報本會備查。
其中本國人身保險公司並應於總經理、總機構法令遵循單位或風險控管單位下設置獨立之防制洗錢及打擊資恐專責單位，該單位不得兼辦防制洗錢及打擊資恐以外之其他業務。
未適用保險代理人公司保險經紀人公司內部控制稽核制度及招攬處理制度實施辦法（以下簡稱實施辦法）第二條第二項規定辦理內部控制之保險代理人公司及保險經紀人公司辦理招攬保險契約業務者，應由董（理）事會（或分層授權之權責單位）指派至少一人辦理防制洗錢及打擊資恐之業務，並確保該等人員無與其防制洗錢及打擊資恐職責有利益衝突之兼職。
但保險代理人公司代理保險公司辦理核保及理賠業務者，應依前項有關保險公司設置專責人員及專責主管之規定辦理。
第一項專責單位或專責主管掌理下列事務：
一、督導洗錢及資恐風險之辨識、評估及監控政策及程序之規劃與執行。
二、協調督導全面性洗錢及資恐風險辨識及評估之執行。
三、監控與洗錢及資恐有關之風險。
四、發展防制洗錢及打擊資恐計畫。
五、協調督導防制洗錢及打擊資恐計畫之執行。
六、確認防制洗錢及打擊資恐相關法令之遵循，包括所屬同業公會所定並經本會備查之相關範本或自律規範。
七、督導向法務部調查局進行疑似洗錢或資恐交易申報及資恐防制法指定對象之財物或財產上利益及其所在地之通報事宜。
八、其他與防制洗錢及打擊資恐有關之事務。
第一項專責主管應至少每半年向董（理）事會及監察人（監事、監事會）或審計委員會報告，如發現有重大違反法令時，應即時向董事（理）會及監察人（監事、監事會）或審計委員會報告。
保險公司、辦理簡易人壽保險業務之郵政機構及其他經本會指定機構國外營業單位應綜合考量在當地之分公司家數、業務規模及風險等，設置適足之防制洗錢及打擊資恐人員，並指派一人為主管，負責執行防制洗錢及打擊資恐法令之協調督導事宜。
保險公司、辦理簡易人壽保險業務之郵政機構及其他經本會指定機構國外營業單位防制洗錢及打擊資恐主管之設置應符合當地法令規定及當地主管機關之要求，並應具備協調督導防制洗錢及打擊資恐之充分職權，包括可直接向第一項專責主管報告，且除兼任法令遵循主管外，應為專任，如兼任其他職務，應與當地主管機關溝通，以確認其兼任方式無職務衝突之虞，並報本會備查。