MAS SFA04-N02反洗钱通知精选（2025）
本页基于2025年6月30日发布、2025年7月1日起生效的当前通知，展示基金行政控制最常使用的必要短引文。
中文： 本页仅转载 SFA04-N02 中与基金行政控制直接相关的必要短引文；不取代通知全文、定义、附录或配套指引。具体机构须先确认自身是否属于通知适用的资本市场中介。
English: Only necessary short extracts from SFA04-N02 directly relevant to fund-administration controls are reproduced. They do not replace the full Notice, definitions, appendices or accompanying Guidelines. Each firm must first confirm whether it is a capital-markets intermediary within scope.
SG-MAS-AML1.2 This Notice shall take effect from 1 July 2025.
1.2 本通知自2025年7月1日起生效。
SG-MAS-AML3.1 This Notice is based on the following principles, which shall serve as a guide for all CMIs in the conduct of their operations and business activities: (a) A CMI shall exercise due diligence when dealing with customers, natural persons appointed to act on the customer’s behalf, connected parties of the customer and beneficial owners of the customer. (b) A CMI shall conduct its business in conformity with high ethical standards, and guard against establishing any business relations or undertaking any transaction, including a digital CMP token transaction, that is or may be connected with, or facilitates or may facilitate money laundering or terrorism financing. (c) A CMI shall, to the fullest extent possible, assist and cooperate with the relevant law enforcement authorities in Singapore to prevent money laundering and terrorism financing.
3.1 本通知以下列原则为基础，并作为所有资本市场中介开展营运及业务活动的指引：(a) 中介与客户、获委任代表客户行事的自然人、客户关联方及客户实益拥有人往来时，须进行尽职调查。(b) 中介须以高道德标准开展业务，并防止建立任何与洗钱或恐怖主义融资有关或可能有关、或促成或可能促成洗钱或恐怖主义融资的业务关系，亦不得进行该等交易（包括数字资本市场产品代币交易）。(c) 中介须在最大可能范围内协助并配合新加坡相关执法机关防止洗钱及恐怖主义融资。
SG-MAS-AML4.1 A CMI shall take appropriate steps to identify, assess and understand, its money laundering and terrorism financing risks in relation to — (a) its customers; (b) the countries or jurisdictions its customers are from or in; (c) the countries or jurisdictions the CMI has operations in; and (d) the products, services, transactions, including digital CMP token transactions, and delivery channels of the CMI.
4.1 资本市场中介须采取适当步骤，识别、评估并了解其与以下事项有关的洗钱及恐怖主义融资风险：(a) 客户；(b) 客户来自或所在的国家或辖区；(c) 中介开展业务的国家或辖区；及 (d) 中介的产品、服务、交易（包括数字资本市场产品代币交易）及交付渠道。
SG-MAS-AML4.2 The appropriate steps referred to in paragraph 4.1 shall include — (a) documenting the CMI’s risk assessments; (b) considering all the relevant risk factors before determining the level of overall risk and the appropriate type and extent of mitigation to be applied; (c) keeping the CMI’s risk assessments up-to-date; and (d) having appropriate mechanisms to provide its risk assessment information to the Authority.
4.2 第4.1段所述适当步骤须包括：(a) 将中介的风险评估形成书面记录；(b) 在确定整体风险水平及拟采取缓释措施的适当类型和程度前，考虑所有相关风险因素；(c) 保持风险评估为最新；及 (d) 建立适当机制以向监管局提供风险评估资料。
SG-MAS-AML6.13 Subject to paragraph 6.16, a CMI shall inquire if there exists any beneficial owner in relation to a customer. 6.14 Where there is one or more beneficial owners in relation to a customer, the CMI shall identify the beneficial owners.
6.13 在第6.16段规限下，资本市场中介须查询客户是否存在任何实益拥有人。6.14 如客户有一名或多名实益拥有人，中介须识别该等实益拥有人。
SG-MAS-AML9.3 No CMI shall rely on a third party to conduct ongoing monitoring of business relations with customers. 9.4 Where a CMI relies on a third party to perform the measures as required by paragraphs 6, 7 and 8, it shall — (a) document the basis for its satisfaction that the requirements in paragraphs 9.2(a) and (b) have been met, except where the third party is a financial institution set out in Appendix 2; and (b) immediately obtain from the third party the CDD information which the third party had obtained. 9.5 For the avoidance of doubt, notwithstanding the reliance upon a third party, the CMI shall remain responsible for its AML/CFT obligations in this Notice.
9.3 任何资本市场中介均不得依赖第三方持续监控与客户的业务关系。9.4 中介如依赖第三方执行第6、7及8段规定的措施，须：(a) 记录其确信第9.2(a)及(b)段要求已获满足的依据，但第三方属于附录2所列金融机构的除外；及 (b) 立即从第三方取得该第三方已取得的客户尽职调查资料。9.5 为免疑义，即使依赖第三方，中介仍须对本通知项下的反洗钱及反恐怖融资义务负责。
SG-MAS-AML11.1 A CMI shall in relation to all data, documents and information that the CMI is required to obtain or produce to meet the requirements under this Notice, prepare, maintain and retain records of such data, documents and information.
11.1 资本市场中介须就其为满足本通知要求而须取得或制作的全部数据、文件及资料，编制、维持并保留相关记录。
SG-MAS-AML13.1 A CMI shall keep in mind the provisions in the CDSA and in the TSOFA that provide for the reporting to the authorities of transactions suspected of being connected with money laundering or terrorism financing and implement appropriate internal policies, procedures and controls for meeting its obligations under the law, including the following: (a) establish a single reference point within the organisation to whom all employees, officers and representatives are instructed to promptly refer all transactions suspected of being connected with money laundering or terrorism financing, for possible referral to STRO via STRs; and (b) keep records of all transactions referred to STRO, together with all internal findings and analysis done in relation to them. 13.2 A CMI shall promptly submit reports on suspicious transactions (including attempted transactions), regardless of the amount of the transaction, to STRO, and extend a copy to the Authority upon request.
13.1 资本市场中介须谨记《腐败、贩毒及其他严重罪行（没收利益）法》（CDSA）及《恐怖主义（制止资助）法》（TSOFA）中有关向主管机关报告涉嫌与洗钱或恐怖主义融资有关交易的规定，并实施适当内部政策、程序及控制，以履行其法定义务，包括：(a) 在机构内部设立单一报告点，指示所有员工、高级人员及代表迅速将所有涉嫌与洗钱或恐怖主义融资有关的交易转交该报告点，以考虑通过可疑交易报告向可疑交易报告处（STRO）报告；及 (b) 保存向STRO报告的全部交易记录，并一并保存就该等交易进行的全部内部调查结果和分析。13.2 中介须不论交易金额，迅速向STRO提交可疑交易（包括未遂交易）报告，并应监管局要求提供副本。
SG-MAS-AML14.1 A CMI shall develop and implement adequate internal policies, procedures and controls, taking into consideration its money laundering and terrorism financing risks and the size of its business, to help prevent money laundering and terrorism financing and communicate these to its employees.
14.1 资本市场中介须在考虑其洗钱及恐怖主义融资风险以及业务规模后，制定并实施充分的内部政策、程序及控制，以协助防止洗钱及恐怖主义融资，并将其传达给员工。
SG-MAS-AML14.10 A CMI shall develop appropriate compliance management arrangements, including at least, the appointment of an AML/CFT compliance officer at the management level. 14.11 A CMI shall ensure that the AML/CFT compliance officer, as well as any other persons appointed to assist the AML/CFT compliance officer, is suitably qualified, and has adequate resources and timely access to all customer records and other relevant information which the AML/CFT compliance officer requires to discharge the AML/CFT compliance officer’s functions. 14.12 A CMI shall maintain an audit function that is adequately resourced and independent, and that is able to regularly assess the effectiveness of the CMI’s internal policies, procedures and controls, and its compliance with regulatory requirements.
14.10 资本市场中介须建立适当合规管理安排，至少包括委任一名管理层级的反洗钱及反恐怖融资合规负责人。14.11 中介须确保反洗钱及反恐怖融资合规负责人以及获委任协助该负责人的任何其他人士具备适当资格，并获得充足资源，且可及时查阅该负责人履行职能所需的全部客户记录及其他相关资料。14.12 中介须维持资源充足且独立的审计职能，并能够定期评估中介内部政策、程序和控制的有效性，以及其对监管要求的遵守情况。
SG-MAS-AML14.14 A CMI shall take all appropriate steps to ensure that its employees, officers and representatives (whether in Singapore or elsewhere) are regularly and appropriately trained on — (a) AML/CFT laws and regulations, and in particular, CDD measures, and detecting and reporting of suspicious transactions; (b) prevailing techniques, methods and trends in money laundering and terrorism financing; and (c) the CMI’s internal AML/CFT policies, procedures and controls, and the roles and responsibilities of employees, officers and representatives in combating money laundering and terrorism financing.
14.14 资本市场中介须采取一切适当步骤，确保其员工、高级人员及代表（无论在新加坡或其他地方）定期接受适当培训，内容包括：(a) 反洗钱及反恐怖融资法律和规例，尤其是客户尽职调查措施以及识别和报告可疑交易；(b) 当前洗钱及恐怖主义融资的技术、方法和趋势；及 (c) 中介内部反洗钱及反恐怖融资政策、程序和控制，以及员工、高级人员及代表在打击洗钱及恐怖主义融资方面的角色和责任。