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Submission: On December 23 via manual from SG — Scanned from DE
Submission: On December 23 via manual from SG — Scanned from DE
Form analysis 2 forms found in the DOM
POST /legalnews/danske-bank-part-5-final-thoughts-8798550/
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var PageMethods = function() {
PageMethods.initializeBase(this);
this._timeout = 0;
this._userContext = null;
this._succeeded = null;
this._failed = null;
}
PageMethods.prototype = {
_get_path: function() {
var p = this.get_path();
if (p) return p;
else return PageMethods._staticInstance.get_path();
},
OpenGate: function(gateData, gateFieldData, succeededCallback, failedCallback, userContext) {
/// <param name="gateData" type="jdsupra.DocGate.GateData">jdsupra.DocGate.GateData</param>
/// <param name="gateFieldData" type="jdsupra.DocGate.GateFieldData">jdsupra.DocGate.GateFieldData</param>
/// <param name="succeededCallback" type="Function" optional="true" mayBeNull="true"></param>
/// <param name="failedCallback" type="Function" optional="true" mayBeNull="true"></param>
/// <param name="userContext" optional="true" mayBeNull="true"></param>
return this._invoke(this._get_path(), 'OpenGate', false, {
gateData: gateData,
gateFieldData: gateFieldData
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},
GetGateFieldData: function(fileID, succeededCallback, failedCallback, userContext) {
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/// <param name="succeededCallback" type="Function" optional="true" mayBeNull="true"></param>
/// <param name="failedCallback" type="Function" optional="true" mayBeNull="true"></param>
/// <param name="userContext" optional="true" mayBeNull="true"></param>
return this._invoke(this._get_path(), 'GetGateFieldData', true, {
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/// <param name="gateData" type="jdsupra.DocGate.GateData">jdsupra.DocGate.GateData</param>
/// <param name="succeededCallback" type="Function" optional="true" mayBeNull="true"></param>
/// <param name="failedCallback" type="Function" optional="true" mayBeNull="true"></param>
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eventData: eventData
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PageMethods._staticInstance = new PageMethods();
PageMethods.set_path = function(value) {
PageMethods._staticInstance.set_path(value);
}
PageMethods.get_path = function() {
/// <value type="String" mayBeNull="true">The service url.</value>
return PageMethods._staticInstance.get_path();
}
PageMethods.set_timeout = function(value) {
PageMethods._staticInstance.set_timeout(value);
}
PageMethods.get_timeout = function() {
/// <value type="Number">The service timeout.</value>
return PageMethods._staticInstance.get_timeout();
}
PageMethods.set_defaultUserContext = function(value) {
PageMethods._staticInstance.set_defaultUserContext(value);
}
PageMethods.get_defaultUserContext = function() {
/// <value mayBeNull="true">The service default user context.</value>
return PageMethods._staticInstance.get_defaultUserContext();
}
PageMethods.set_defaultSucceededCallback = function(value) {
PageMethods._staticInstance.set_defaultSucceededCallback(value);
}
PageMethods.get_defaultSucceededCallback = function() {
/// <value type="Function" mayBeNull="true">The service default succeeded callback.</value>
return PageMethods._staticInstance.get_defaultSucceededCallback();
}
PageMethods.set_defaultFailedCallback = function(value) {
PageMethods._staticInstance.set_defaultFailedCallback(value);
}
PageMethods.get_defaultFailedCallback = function() {
/// <value type="Function" mayBeNull="true">The service default failed callback.</value>
return PageMethods._staticInstance.get_defaultFailedCallback();
}
PageMethods.set_enableJsonp = function(value) {
PageMethods._staticInstance.set_enableJsonp(value);
}
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<a href="/profile/tomfoxlaw_docs/">Thomas Fox - Compliance Evangelist</a>
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<p>Over the past several blog posts, we have been exploring the Danske Bank A/S (Danske Bank), AML enforcement action in which Danske Bank pled guilty and agreed to forfeit $2 billion to resolve the US investigation into its fraud on US
banks. Danske Bank also settled with the Securities and Exchange Commission (SEC) for misleading US investors about the bank’s anti-money laundering (AML) compliance program in its Estonian branch and failed to disclose the risks posed by
the program’s significant deficiencies.</p>
<p><strong><em>Banks Still Behaving Badly</em></strong></p>
<p>According to <u><a href="https://violationtracker.goodjobsfirst.org/industry/financial%20services">Violation Tracker</a></u>, the top 10 banks for fines and penalties for this century are as follows:</p>
<div class="double-scroll mb4 overflow-x-auto">
<table class="table">
<thead>
<tr>
<td>TOP 10 CURRENT PARENT COMPANIES</td>
<td>TOTAL PENALTY $</td>
<td>NUMBER OF RECORDS</td>
</tr>
</thead>
<tbody>
<tr>
<td><u><a href="https://violationtracker.goodjobsfirst.org/parent/bank-of-america"><strong>Bank of America</strong></a></u></td>
<td>$83,354,221,356</td>
<td>271</td>
</tr>
<tr>
<td><u><a href="https://violationtracker.goodjobsfirst.org/parent/jpmorgan-chase"><strong>JPMorgan Chase</strong></a></u></td>
<td>$36,129,286,132</td>
<td>223</td>
</tr>
<tr>
<td><u><a href="https://violationtracker.goodjobsfirst.org/parent/citigroup"><strong>Citigroup</strong></a></u></td>
<td>$25,740,655,365</td>
<td>159</td>
</tr>
<tr>
<td><u><a href="https://violationtracker.goodjobsfirst.org/parent/wells-fargo"><strong>Wells Fargo</strong></a></u></td>
<td>$22,081,458,643</td>
<td>229</td>
</tr>
<tr>
<td><u><a href="https://violationtracker.goodjobsfirst.org/parent/deutsche-bank"><strong>Deutsche Bank</strong></a></u></td>
<td>$18,541,562,802</td>
<td>79</td>
</tr>
<tr>
<td><u><a href="https://violationtracker.goodjobsfirst.org/parent/ubs"><strong>UBS</strong></a></u></td>
<td>$17,082,743,334</td>
<td>106</td>
</tr>
<tr>
<td><u><a href="https://violationtracker.goodjobsfirst.org/parent/goldman-sachs"><strong>Goldman Sachs</strong></a></u></td>
<td>$16,603,475,848</td>
<td>90</td>
</tr>
<tr>
<td><u><a href="https://violationtracker.goodjobsfirst.org/parent/natwest-group-plc"><strong>NatWest Group PLC</strong></a></u></td>
<td>$13,515,546,857</td>
<td>31</td>
</tr>
<tr>
<td><u><a href="https://violationtracker.goodjobsfirst.org/parent/credit-suisse"><strong>Credit Suisse</strong></a></u></td>
<td>$11,427,400,126</td>
<td>52</td>
</tr>
<tr>
<td><u><a href="https://violationtracker.goodjobsfirst.org/parent/morgan-stanley"><strong>Morgan Stanley</strong></a></u></td>
<td>$10,167,765,234</td>
<td>190</td>
</tr>
</tbody>
</table>
</div>
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<p>In 2022, the top fines involving banks are:</p>
<ul>
<li>Danske Bank: $2.4 billion</li>
<li>Bank of America: $225 million</li>
<li>Citigroup: $200 million</li>
<li>Goldman Sachs: $200 million</li>
<li>Morgan Stanley: $200 million</li>
<li>Credit Suisse: $200 million</li>
<li>Barclays: $200 million</li>
<li>Deutsche Bank: $200 million</li>
<li>Nomura: $100 million</li>
</ul>
<p>For whatever reason, banks cannot seem to get it anything near right. Willie Sutton is alleged to have said the reason he robbed banks was because “that’s where the money was.” Now it seems the banks are the bad guys, and the regulators
continually have to lay out what seems massive fines and penalties to banks. Yet banks seem oblivious to playing within the bounds of the law. Perhaps, and to broaden out Consumer Financial Protection Bureau (CFPB) head Rohit Chopra’s
statement announcing the latest fine against a bank, Wells Fargo at $3.7 billion “Wells Fargo’s rinse-repeat cycle of violating the law” needs to be updated to banks “rinse-repeat cycle of violating the law.”</p>
<p><strong><em>M&A Double Trouble</em></strong></p>
<p>Purchasing a corrupt entity is certainly one thing but allowing it to stay corrupt is quite another. As I often say, if an acquisition target engaged in bribery and corruption, or indeed money-laundering, before you acquired them and
continue to do so after said purchase; it is not them but you who are now breaking the law. When Danske Bank purchased the branch that became Danske Estonia, it was aware that a substantial portion of the Estonian branch’s customers were
“non-residents of Estonia, a group of accounts known as the Non-Resident Portfolio or “NRP” and that many of the NRP customers were from Russia and other former Soviet-bloc countries. These NRP customers’ practices included well-known red
flags for potential money laundering: for example, frequent use of offshore LLPs and nominee directors to obscure or conceal beneficial ownership information, use of unregulated intermediaries to carry out transactions on behalf of
unknown clients, and ties to jurisdictions with enhanced money laundering risks. Some of these practices were known to Danske in 2007.”</p>
<p>But here is where Danske Bank sealed its fate. As detailed by Matt Kelly in <u><a href="https://www.radicalcompliance.com/2022/12/16/danske-bank-part-ii-compliance-reforms/">Radical Compliance</a></u>, calling it the “fatal mistake by
bank leadership”; and as laid out in the <u><a href="https://www.justice.gov/opa/press-release/file/1557611/download">Plea Agreement</a></u>, “Danske Bank canceled the migration to the central technology system because the executive
board, consisting of Danske Bank senior executives, concluded it would “simply be too expensive” and could cause irregularities.” This allowed Danske Estonia to “maintain its own antiquated IT systems, with no automated customer due
diligence or transaction monitoring — simply because bringing the Estonia branch up to acceptable compliance standards would be too expensive. Danske leaders didn’t have the requisite commitment to effective compliance, and from there its
AML troubles flowed.”</p>
<p><strong><em>Money, Money, Money</em></strong></p>
<p>Perhaps the biggest problem for Danske Bank was the one in the mirror and its addiction to the filthy lucre generated by its Estonia Branch. Both Danske Bank itself and the regulatory authorities made clear the actual AML failures which
were ongoing. According to the <u><a href="https://www.sec.gov/litigation/complaints/2022/comp-pr2022-220.pdf">SEC Order</a></u>, in “February 2014, Danske hired an external, independent third party to conduct a limited review of Danske
Estonia’s AML practices” who concluded into only two months that there were “numerous AML deficiencies that left Danske Estonia highly susceptible to money laundering, including 17 identified as “critical or significant” control
deficiencies. Danske’s legal department recommended and retained a third party to conduct a comprehensive internal investigation of Danske Estonia’s customers and transactions and to investigate allegations of employee misconduct.
However, Danske senior management canceled the contract and decided to conduct the investigation internally. An internal Danske working group conducted only limited additional investigation of Danske Estonia at that time.”</p>
<p>The regulators identified the illegal issues as well. The Estonia FSA conducted a series of examinations at Danske Estonia and provided a draft report to Danske Estonia which detailed extensive facts concerning willful violations of
Estonian AML law by Danske Estonia employees. The report stated, “Danske systematically establishes business relationships with persons in whose activities it is possible to see the simplest and most common suspicious circumstances” and
concluded that Danske Estonia systematically ignored Estonian AML law. Danske acknowledged the severity of the Estonian FSA’s findings in communications, including one in which a Danske manager stated, “<strong><em>It is a total and
fundamental failure in doing what we should do and doing what we claim to do</em></strong>. <em><strong>This just even more underline[s] the need of full clean up now</strong></em>.” [Emphasis added.] Another manager stated, “The
executive summary of the . . . letter is brutal to say the least and is as close to the worst I have ever read within the AML/CTF area. . . . [I]f just half of the executive summary is correct, then this is much more about shutting all
non-domestic business down than it is about KYC procedures . . . .” Nonetheless, instead of terminating the NRP business, Danske management opted to continue it because of the profits it generated.” [emphasis in original]</p>
<p>So, we leave this sordid saga of the US DOJ and SEC bringing an AML enforcement action against a Danish bank. At least the US is willing to bring such an enforcement action.</p>
<p>[<a href="https://compliancepodcastnetwork.net/danske-bank-part-5-final-thoughts/" target="_blank">View source</a>.]</p>
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Menu News & Insights * Popular * Labor & Employment * Finance & Banking * Intellectual Property * Health & Healthcare * Environmental Issues * more… * Business * Insurance * Commercial Real Estate * Corporate Taxes * Immigration * Securities * more… * Personal * Residential Real Estate * Estate Planning * Civil Rights * Personal Taxes * Bankruptcy * more… Jump to: Latest Updates » Trending [7] 1. [HOT] Read Latest COVID-19 Guidance, All Aspects... 2. [SCHEDULE] Upcoming COVID-19 Webinars & Online Programs 3. [GUIDANCE] COVID-19 and Force Majeure Considerations 4. [GUIDANCE] COVID-19 and Employer Liability Issues 5. Law Firms: Be Strategic In Your COVID-19 Guidance... 6. [GUIDANCE] On COVID-19 and Business Continuity Plans 7. Build a Morning News Brief: Easy, No Clutter, Free! Browse All Law News Topics » Find Author * By Business Matters * Labor & Employment * Finance & Banking * Intellectual Property * Insurance * Taxes * By Personal Issues * Civil Rights * Family Matters * Personal Injury * Wills, Trusts, & Estate Planning * Worker’s Compensation * By Location * California * New York * Texas * Canada * United Kingdom Subscribe Custom Email Digests BUILD A CUSTOM EMAIL DIGEST BY FOLLOWING TOPICS, PEOPLE, AND FIRMS PUBLISHED ON JD SUPRA. Twitter RSS Feeds for Publishers For Reporters My Account Log In December 22, 2022 DANSKE BANK: PART 5 – FINAL THOUGHTS Thomas Fox - Compliance Evangelist + Follow x Following x Following - Unfollow Contact LinkedIn Facebook Twitter Send Embed To embed, copy and paste the code into your website or blog: <iframe src="//www.jdsupra.com/post/contentViewerEmbed.aspx?fid=889405ac-4f32-451e-834e-4a1789d74621" width="100%" height="620" frameborder="1" style="border: 2px solid #ccc; overflow-x:hidden !important; overflow:hidden;" scrolling="auto"></iframe> Over the past several blog posts, we have been exploring the Danske Bank A/S (Danske Bank), AML enforcement action in which Danske Bank pled guilty and agreed to forfeit $2 billion to resolve the US investigation into its fraud on US banks. Danske Bank also settled with the Securities and Exchange Commission (SEC) for misleading US investors about the bank’s anti-money laundering (AML) compliance program in its Estonian branch and failed to disclose the risks posed by the program’s significant deficiencies. Banks Still Behaving Badly According to Violation Tracker, the top 10 banks for fines and penalties for this century are as follows: TOP 10 CURRENT PARENT COMPANIES TOTAL PENALTY $ NUMBER OF RECORDS Bank of America $83,354,221,356 271 JPMorgan Chase $36,129,286,132 223 Citigroup $25,740,655,365 159 Wells Fargo $22,081,458,643 229 Deutsche Bank $18,541,562,802 79 UBS $17,082,743,334 106 Goldman Sachs $16,603,475,848 90 NatWest Group PLC $13,515,546,857 31 Credit Suisse $11,427,400,126 52 Morgan Stanley $10,167,765,234 190 In 2022, the top fines involving banks are: * Danske Bank: $2.4 billion * Bank of America: $225 million * Citigroup: $200 million * Goldman Sachs: $200 million * Morgan Stanley: $200 million * Credit Suisse: $200 million * Barclays: $200 million * Deutsche Bank: $200 million * Nomura: $100 million For whatever reason, banks cannot seem to get it anything near right. Willie Sutton is alleged to have said the reason he robbed banks was because “that’s where the money was.” Now it seems the banks are the bad guys, and the regulators continually have to lay out what seems massive fines and penalties to banks. Yet banks seem oblivious to playing within the bounds of the law. Perhaps, and to broaden out Consumer Financial Protection Bureau (CFPB) head Rohit Chopra’s statement announcing the latest fine against a bank, Wells Fargo at $3.7 billion “Wells Fargo’s rinse-repeat cycle of violating the law” needs to be updated to banks “rinse-repeat cycle of violating the law.” M&A Double Trouble Purchasing a corrupt entity is certainly one thing but allowing it to stay corrupt is quite another. As I often say, if an acquisition target engaged in bribery and corruption, or indeed money-laundering, before you acquired them and continue to do so after said purchase; it is not them but you who are now breaking the law. When Danske Bank purchased the branch that became Danske Estonia, it was aware that a substantial portion of the Estonian branch’s customers were “non-residents of Estonia, a group of accounts known as the Non-Resident Portfolio or “NRP” and that many of the NRP customers were from Russia and other former Soviet-bloc countries. These NRP customers’ practices included well-known red flags for potential money laundering: for example, frequent use of offshore LLPs and nominee directors to obscure or conceal beneficial ownership information, use of unregulated intermediaries to carry out transactions on behalf of unknown clients, and ties to jurisdictions with enhanced money laundering risks. Some of these practices were known to Danske in 2007.” But here is where Danske Bank sealed its fate. As detailed by Matt Kelly in Radical Compliance, calling it the “fatal mistake by bank leadership”; and as laid out in the Plea Agreement, “Danske Bank canceled the migration to the central technology system because the executive board, consisting of Danske Bank senior executives, concluded it would “simply be too expensive” and could cause irregularities.” This allowed Danske Estonia to “maintain its own antiquated IT systems, with no automated customer due diligence or transaction monitoring — simply because bringing the Estonia branch up to acceptable compliance standards would be too expensive. Danske leaders didn’t have the requisite commitment to effective compliance, and from there its AML troubles flowed.” Money, Money, Money Perhaps the biggest problem for Danske Bank was the one in the mirror and its addiction to the filthy lucre generated by its Estonia Branch. Both Danske Bank itself and the regulatory authorities made clear the actual AML failures which were ongoing. According to the SEC Order, in “February 2014, Danske hired an external, independent third party to conduct a limited review of Danske Estonia’s AML practices” who concluded into only two months that there were “numerous AML deficiencies that left Danske Estonia highly susceptible to money laundering, including 17 identified as “critical or significant” control deficiencies. Danske’s legal department recommended and retained a third party to conduct a comprehensive internal investigation of Danske Estonia’s customers and transactions and to investigate allegations of employee misconduct. However, Danske senior management canceled the contract and decided to conduct the investigation internally. An internal Danske working group conducted only limited additional investigation of Danske Estonia at that time.” The regulators identified the illegal issues as well. The Estonia FSA conducted a series of examinations at Danske Estonia and provided a draft report to Danske Estonia which detailed extensive facts concerning willful violations of Estonian AML law by Danske Estonia employees. The report stated, “Danske systematically establishes business relationships with persons in whose activities it is possible to see the simplest and most common suspicious circumstances” and concluded that Danske Estonia systematically ignored Estonian AML law. Danske acknowledged the severity of the Estonian FSA’s findings in communications, including one in which a Danske manager stated, “It is a total and fundamental failure in doing what we should do and doing what we claim to do. This just even more underline[s] the need of full clean up now.” [Emphasis added.] Another manager stated, “The executive summary of the . . . letter is brutal to say the least and is as close to the worst I have ever read within the AML/CTF area. . . . [I]f just half of the executive summary is correct, then this is much more about shutting all non-domestic business down than it is about KYC procedures . . . .” Nonetheless, instead of terminating the NRP business, Danske management opted to continue it because of the profits it generated.” [emphasis in original] So, we leave this sordid saga of the US DOJ and SEC bringing an AML enforcement action against a Danish bank. At least the US is willing to bring such an enforcement action. [View source.] Send Print Report RELATED POSTS * Danske Bank: Part 4 – The Bank’s Response * Danske Bank: Part 3 – Compliance Failures * Danske Bank: Part 2 – Jurisdiction LATEST POSTS * Gallocast - Episode 6 - The Christmas Edition Video * Daily Compliance News - December 23, 2022 - The Lonely at the Top Edition Video See more » DISCLAIMER: Because of the generality of this update, the information provided herein may not be applicable in all situations and should not be acted upon without specific legal advice based on particular situations. © Thomas Fox - Compliance Evangelist 2022 | Attorney Advertising Refine your interests » WRITTEN BY: Thomas Fox - Compliance Evangelist Contact + Follow x Following x Following - Unfollow more less PUBLISHED IN: Anti-Money Laundering + Follow x Following x Following - Unfollow Banks + Follow x Following x Following - Unfollow Danske Bank + Follow x Following x Following - Unfollow Department of Justice (DOJ) + Follow x Following x Following - Unfollow SEC + Follow x Following x Following - Unfollow Finance & Banking + Follow x Following x Following - Unfollow more less THOMAS FOX - COMPLIANCE EVANGELIST ON: "MY BEST BUSINESS INTELLIGENCE, IN ONE EASY EMAIL…" Your first step to building a free, personalized, morning email brief covering pertinent authors and topics on JD Supra: Sign Up Log in *By using the service, you signify your acceptance of JD Supra's Privacy Policy. - hide - hide Back to Top Home What Is JD Supra? 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