Regulations Governing Anti-Money Laundering and Countering Terrorism Financing of Financial Technology Innovative Experimentation Article 5
The DD measures on participants taken by an applicant shall include ongoing due diligence and comply with the following provisions:1.An applicant shall apply DD measures to existing participants on the basis of materiality and risk, and conduct due diligence on such existing relationships at appropriate times, taking into account whether and when DD measures have previously been undertaken and the adequacy of data obtained. The aforementioned appropriate times shall include at least:(1)When it is time for periodic review of a participant scheduled on the basis of materiality and risk; and(2)When it becomes known that there is a material change to a participant’s identity and background information.2.An applicant shall conduct ongoing due diligence on the business relationship to scrutinize transactions undertaken throughout the course of that relationship to ensure that the transactions being conducted are consistent with the applicant’s knowledge of the participant, its business and risk profile, including, where necessary, the source of funds.3.An applicant shall periodically review the existing participant records to ensure that documents, data or information of the participant and its beneficial owner(s) collected under the DD process are adequate and kept up-to-date, particularly for higher risk categories of participants.4.An applicant can rely on previously obtained information and existing records of a participant to undertake identification and verification of the participant’s identity. However, an applicant shall conduct DD measures on participants again in accordance with Article 3 when it has doubts about the veracity or adequacy of the records, where there is a suspicion of ML/TF in relation to that participant, or where there is a material change in the way that the participant’s transaction is conducted or the participant’s account is operated, which is not consistent with the participant’s business profile.
中文原文 金融科技創新實驗防制洗錢及打擊資恐辦法第5條
申請人確認參與者身分措施，應包括對參與者身分之持續審查，並依下列規定辦理：
一、應依重要性及風險程度，對現有參與者身分資料進行審查，並於考量前次執行審查之時點及所獲得資料之適足性後，在適當時機對已存在之往來關係進行審查。
上開適當時機至少應包括：
（一）依據參與者之重要性及風險程度所定之定期審查時點。
（二）得知參與者身分與背景資訊有重大變動時。
二、應對參與者業務關係中之交易進行詳細審視，以確保所進行之交易與參與者及其業務、風險相符，必要時並應瞭解其資金來源。
三、應定期檢視其辨識參與者及實質受益人身分所取得之資訊是否足夠，並確保該等資訊之更新，特別是高風險參與者。
四、對參與者身分辨識與驗證程序，得以過去執行與保存資料為依據。
但對參與者資訊之真實性或妥適性有所懷疑、發現參與者涉及疑似洗錢或資恐交易、或參與者之交易或帳戶之運作方式出現與該參與者業務特性不符之重大變動時，應依第三條規定對參與者身分再次確認。
一、應依重要性及風險程度，對現有參與者身分資料進行審查，並於考量前次執行審查之時點及所獲得資料之適足性後，在適當時機對已存在之往來關係進行審查。
上開適當時機至少應包括：
（一）依據參與者之重要性及風險程度所定之定期審查時點。
（二）得知參與者身分與背景資訊有重大變動時。
二、應對參與者業務關係中之交易進行詳細審視，以確保所進行之交易與參與者及其業務、風險相符，必要時並應瞭解其資金來源。
三、應定期檢視其辨識參與者及實質受益人身分所取得之資訊是否足夠，並確保該等資訊之更新，特別是高風險參與者。
四、對參與者身分辨識與驗證程序，得以過去執行與保存資料為依據。
但對參與者資訊之真實性或妥適性有所懷疑、發現參與者涉及疑似洗錢或資恐交易、或參與者之交易或帳戶之運作方式出現與該參與者業務特性不符之重大變動時，應依第三條規定對參與者身分再次確認。