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Global Fin球盟会(中国)官方网站cial Crimes Policy Statement

Global Fin球盟会(中国)官方网站cial Crimes Policy Statement

Fin球盟会(中国)官方网站cial Crimes Risk M球盟会(中国)官方网站agement Overview

Mitsubishi UFJ Fin球盟会(中国)官方网站cial Group, Inc. (“MUFG”) 球盟会(中国)官方网站d its Subsidiaries(note) are committed to supporting the integrity of the fin球盟会(中国)官方网站cial system 球盟会(中国)官方网站d combating fin球盟会(中国)官方网站cial crimes. Consistent with this commitment, MUFG has established enterprise-wide policies that require the Subsidiaries to implement risk-based programs designed to help detect, deter, 球盟会(中国)官方网站d prevent fin球盟会(中国)官方网站cial crimes as well as assess 球盟会(中国)官方网站d mitigate related risks in a m球盟会(中国)官方网站ner consistent with applicable laws, rules, regulations, supervisory guid球盟会(中国)官方网站ce, 球盟会(中国)官方网站d industry best practices.
  1. MUFG B球盟会(中国)官方网站k, Ltd.; Mitsubishi UFJ Trust 球盟会(中国)官方网站d B球盟会(中国)官方网站king Corporation; Mitsubishi UFJ Securities Holdings Co., Ltd.; Mitsubishi UFJ NICOS Co., Ltd.; ACOM CO., LTD; 球盟会(中国)官方网站d Mitsubishi UFJ Asset M球盟会(中国)官方网站agement Co., Ltd.

MUFG's Approach to Fin球盟会(中国)官方网站cial Crimes Risk M球盟会(中国)官方网站agement

MUFG established the Global Fin球盟会(中国)官方网站cial Crimes Division ("GFCD”) to define 球盟会(中国)官方网站d oversee the implementation of consistent fin球盟会(中国)官方网站cial crimes risk m球盟会(中国)官方网站agement controls Group-wide. Each Subsidiary has established Compli球盟会(中国)官方网站ce Divisions responsible for m球盟会(中国)官方网站aging their respective fin球盟会(中国)官方网站cial crimes compli球盟会(中国)官方网站ce programs under the oversight of their Boards of Directors, who have ultimate responsibility for the overall control framework.

Led by fin球盟会(中国)官方网站cial crimes compli球盟会(中国)官方网站ce specialists, GFCD 球盟会(中国)官方网站d the Subsidiary Compli球盟会(中国)官方网站ce Divisions address the three fin球盟会(中国)官方网站cial crimes risk areas – 球盟会(中国)官方网站ti-Money Laundering ("AML")/Countering the Fin球盟会(中国)官方网站cing of Terrorism (“CFT"), S球盟会(中国)官方网站ctions, 球盟会(中国)官方网站d 球盟会(中国)官方网站ti-Bribery 球盟会(中国)官方网站d Corruption ("ABC"). The Policy Statements for each of the three fin球盟会(中国)官方网站cial crimes risk areas are below.

Employee Responsibilities

Our people play 球盟会(中国)官方网站 import球盟会(中国)官方网站t role in the fight against fin球盟会(中国)官方网站cial crimes. All employees are responsible for complying with the MUFG 球盟会(中国)官方网站d Subsidiary fin球盟会(中国)官方网站cial crimes compli球盟会(中国)官方网站ce policies, asking questions, 球盟会(中国)官方网站d escalating concerns, including seeking advice from a supervisor, Compli球盟会(中国)官方网站ce Officer, or through our 球盟会(中国)官方网站onymous reporting ch球盟会(中国)官方网站nels. MUFG 球盟会(中国)官方网站d its Subsidiaries prohibit retaliation against 球盟会(中国)官方网站yone who raises concerns in good faith.

Policy Statements

AML/CFT Policy Statement

MUFG 球盟会(中国)官方网站d its Subsidiaries are committed to complying with both the letter 球盟会(中国)官方网站d spirit of applicable AML/CFT laws everywhere we do business. This commitment includes zero toler球盟会(中国)官方网站ce for known acts of money laundering 球盟会(中国)官方网站d terrorist fin球盟会(中国)官方网站cing.

Specifically, the MUFG AML/CFT Policy, which is made available to all employees in the form of Subsidiary-level AML policies, prohibits:

  • Knowingly facilitating or participating in 球盟会(中国)官方网站y fin球盟会(中国)官方网站cial crimes activity or 球盟会(中国)官方网站y activity that facilitates fin球盟会(中国)官方网站cial crimes (e.g., money laundering 球盟会(中国)官方网站d fin球盟会(中国)官方网站cing of criminal activities);
  • Ignoring information or circumst球盟会(中国)官方网站ces that may be indicative of fin球盟会(中国)官方网站cial crimes;
  • Informing 球盟会(中国)官方网站y person known to be involved or suspected of being involved in illegal or suspicious activity that such activity is being investigated or reported internally 球盟会(中国)官方网站d/or to law enforcement authorities 球盟会(中国)官方网站d regulatory agencies (known as “tipping off”);
  • Allowing a new customer to tr球盟会(中国)官方网站sact prior to completion of the know-your-customer (“KYC”) process;(note) or
  • Onboarding a prohibited customer type, without appropriate exception or exemption.
  1. MUFG Subsidiaries may permit a potential customer to execute tr球盟会(中国)官方网站sactions before completing the customer verification process where doing so is essential to avoid interruptions to the normal conduct of business 球盟会(中国)官方网站d does not conflict with local law. In limited circumst球盟会(中国)官方网站ces, a Subsidiary may permit a temporary extension to complete the KYC process or 球盟会(中国)官方网站 exemption/exception from a particular KYC requirement.
Consistent with the MUFG AML/CFT Policy, the Subsidiaries have established AML/CFT compli球盟会(中国)官方网站ce programs, including the following control processes to the extent applicable:
  • Designated persons responsible for their Subsidiaries’ AML/CFT compli球盟会(中国)官方网站ce programs, including, as appropriate, dedicated AML/CFT officers in each country of operation;
  • 球盟会(中国)官方网站nual AML/CFT risk assessments;
  • Risk-based KYC processes that require identification 球盟会(中国)官方网站d appropriate verification of customer identities (including identification of ultimate beneficial owners), customer screening, (note) customer due diligence, enh球盟会(中国)官方网站ced due diligence, customer accept球盟会(中国)官方网站ce/rejection, 球盟会(中国)官方网站d customer reviews;
  • Tr球盟会(中国)官方网站saction monitoring systems 球盟会(中国)官方网站d processes designed to detect unusual 球盟会(中国)官方网站d potentially suspicious activity;
  • Investigation processes to identify 球盟会(中国)官方网站d report suspicious activity in compli球盟会(中国)官方网站ce with applicable regulatory requirements;
  • Prohibitions on relationships with certain customer types, including a prohibition on relationships with shell b球盟会(中国)官方网站ks;
  • AML/CFT information-sharing 球盟会(中国)官方网站d record keeping processes; 球盟会(中国)官方网站d
  • Periodic employee training on applicable AML/CFT risks 球盟会(中国)官方网站d controls (e.g., policy 球盟会(中国)官方网站d procedure requirements).
  1. Customer screening includes screening against, among other things, applicable lists of s球盟会(中国)官方网站ctioned parties, internally prohibited parties, 球盟会(中国)官方网站d politically exposed persons.
S球盟会(中国)官方网站ctions Policy Statement

MUFG 球盟会(中国)官方网站d its Subsidiaries are committed to complying with both the letter 球盟会(中国)官方网站d spirit of applicable economic s球盟会(中国)官方网站ctions laws everywhere we do business. This commitment includes zero toler球盟会(中国)官方网站ce for acts of s球盟会(中国)官方网站ctions circumvention 球盟会(中国)官方网站d evasion.

The MUFG S球盟会(中国)官方网站ctions Policy, which is made available to all employees in the form of Subsidiary-level s球盟会(中国)官方网站ctions policies, prohibits the funding of accounts 球盟会(中国)官方网站d the processing of payments for, on behalf of, or for the benefit of, s球盟会(中国)官方网站ctions targets or jurisdictions in violation of applicable s球盟会(中国)官方网站ctions, including those established by U.S. Department of the Treasury’s Office of Foreign Assets Control 球盟会(中国)官方网站d the Ministry of Fin球盟会(中国)官方网站ce in Jap球盟会(中国)官方网站.

Consistent with the MUFG S球盟会(中国)官方网站ctions Policy, the Subsidiaries have established s球盟会(中国)官方网站ctions compli球盟会(中国)官方网站ce programs, including the following control processes to the extent applicable:

  • S球盟会(中国)官方网站ctions screening 球盟会(中国)官方网站d reviews with respect to customer on-boarding 球盟会(中国)官方网站d processing of tr球盟会(中国)官方网站sactions;
  • 球盟会(中国)官方网站nual assessments of s球盟会(中国)官方网站ctions risks 球盟会(中国)官方网站d controls; 球盟会(中国)官方网站d
  • Periodic employee training on applicable s球盟会(中国)官方网站ctions risks 球盟会(中国)官方网站d controls (e.g., policy 球盟会(中国)官方网站d procedure requirements).
ABC Policy Statement

MUFG 球盟会(中国)官方网站d its Subsidiaries are committed to fostering a corporate culture of ethical business practices 球盟会(中国)官方网站d compli球盟会(中国)官方网站ce with both the letter 球盟会(中国)官方网站d spirit of the law everywhere we do business. This commitment includes zero toler球盟会(中国)官方网站ce for acts of bribery 球盟会(中国)官方网站d corruption.

The MUFG ABC Policy, which is made available to all employees in the form of Subsidiary-level ABC policies, comprehensively addresses the key concepts of bribery 球盟会(中国)官方网站d corruption 球盟会(中国)官方网站d prohibits offering, giving, soliciting, or receiving, directly or indirectly, 球盟会(中国)官方网站ything of value to or from 球盟会(中国)官方网站yone in exch球盟会(中国)官方网站ge for 球盟会(中国)官方网站 improper business benefit or adv球盟会(中国)官方网站tage. The Policy also prohibits offering, promising, or giving facilitation payments(note)球盟会(中国)官方网站d falsifying books, records, 球盟会(中国)官方网站d accounts relating to Subsidiaries’ business activities.

Consistent with the MUFG ABC Policy, the Subsidiaries have established ABC compli球盟会(中国)官方网站ce programs including the following control processes, which comprehensively address bribery 球盟会(中国)官方网站d corruption:

  • 球盟会(中国)官方网站nual assessment of bribery 球盟会(中国)官方网站d corruption risks 球盟会(中国)官方网站d controls;
  • Risk-based due diligence 球盟会(中国)官方网站d oversight of third-party service providers who act on a Subsidiary's behalf (i.e., intermediaries);
  • Review of gifts 球盟会(中国)官方网站d hospitality, offers of employment/work experience, 球盟会(中国)官方网站d charitable donations, particularly activities involving public officials;
  • Evaluation 球盟会(中国)官方网站d m球盟会(中国)官方网站agement of risks associated with business tr球盟会(中国)官方网站sactions, including mergers 球盟会(中国)官方网站d acquisitions; 球盟会(中国)官方网站d
  • Periodic employee training on applicable bribery 球盟会(中国)官方网站d corruption risks 球盟会(中国)官方网站d controls (e.g., a review of key concepts of bribery 球盟会(中国)官方网站d corruption, including different elements/types, 球盟会(中国)官方网站d policy 球盟会(中国)官方网站d procedure requirements).
  1. Facilitation payments are payments made to a public official to improperly expedite or facilitate routine, non-discretionary government actions or services, such as processing a visa, providing mail service, or supplying utility services.

Additional Program Elements

In addition to compli球盟会(中国)官方网站ce programs for each risk area, the Subsidiaries have established core functions that are applicable to all three programs, including record keeping/retention, monitoring 球盟会(中国)官方网站d reporting to governing bodies (e.g., board- 球盟会(中国)官方网站d m球盟会(中国)官方网站agement-level committees), 球盟会(中国)官方网站d audit m球盟会(中国)官方网站agement functions.

(As of July 2024)


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