| Article 3 |
The criteria for identifying abnormal deposit accounts or transactions suspected of involvement in fraud are as follows:
1. The applicant frequently applies to open a deposit account or to set up designated accounts over a short period of time without reasonable explanation.
2. The transaction functions applied for are obviously inconsistent with the account holder’s age or background.
3. The contact information provided by the account holder cannot be verified by using reasonable measures.
4. The deposit account has been reported by a financial institution or a member of the public as being used by someone suspected of criminal activities.
5. The deposit account has been used with frequent small-amount inward and outward remittances suspected of being probing activities.
6. The user makes frequent use of electronic services or facilities of deposit business institutions within a short period of time in a manner that is obviously at variance with the normal transaction activities of the account holder.
7. An inactive deposit account with unexpected unusual transactions.
8. A deposit account whose account holder provides the same mobile phone number as that provided by the account holder of another watch-listed deposit account at the same deposit business institution, and which is suspected to be used for criminal activity.
9. The virtual account linked to the deposit account has been listed as a watch-listed virtual account several times within a certain period of time.
10. A non-Taiwanese person who is found by a deposit business institution to have had relevant identity certification documents, such as resident certificates provided for verification upon opening a deposit account, revoked prior to expiration, to have overstayed, or to have been reported as missing.
11. An account holder who is verified by a deposit business institution to have been reported as a missing person.
12. A domestic deposit account listed by a judicial police authority as suspected of involvement in fraud.
13. A deposit account with transactions suspected of involving fraud, as listed in the Model Guidelines for Banks' Anti-Money Laundering and Counter-Terrorism Financing Policies and Procedures.
14. Other abnormal deposit accounts or transactions determined by the competent authorities or deposit business institutions to be suspected of involvement in fraud. |
| Article 5 |
When deposit business institutions implement control and management measures provided for in the latter part of Paragraph 1, Article 8 of the Act with respect to abnormal deposit accounts suspected of involvement in fraud, or when it is necessary to identify transactions suspected of involving fraud, they may send inquiries to other deposit business institutions, electronic payment institutions, credit card business institutions, or virtual asset service providers by telephone, e-mail, the fraud prevention platform, or other means acceptable to the recipient to obtain information about such abnormal deposit accounts suspected of involvement in fraud.
The recipient of the inquiry shall provide the following information as requested by the inquiring institution:
1. Where the recipient of the inquiry is a deposit business institution, it shall provide:
(1) Name of the deposit account holder and account opening date.
(2) The age and occupation of the account holder and the purpose of the account opening or transaction.
(3) Whether there are any abnormal transactions in the deposit account and whether the account is being monitored.
2. Where the recipient of the inquiry is an electronic payment institution, it shall provide:
(1) Name of the electronic payment account holder and account opening date.
(2) The user's age.
(3) Whether there are any abnormal transactions of the electronic payment account and whether the electronic payment account is being monitored.
3. Where the recipient of the inquiry is a card issuer, it shall provide:
(1) Name of the cardholder and card approval date.
(2) The age and occupation of the cardholder.
(3) Whether there are any abnormal transactions on the credit card and whether the card is being monitored.
4. Where the recipient of the inquiry is a virtual asset service provider, it shall provide:
(1) Name of the customer holding the virtual asset account and opening date of the virtual asset account.
(2) The age and occupation of the customer and the purpose of the virtual asset account opening or transaction.
(3) Whether there are any abnormal transactions in the virtual asset account and whether the account is being monitored.
In addition to the information specified in the preceding paragraph, the recipient of the inquiry may also provide other necessary information requested by the inquiring institution to implement the control measures provided for in the latter part of Paragraph 1, Article 8 of the Act or to identify transactions suspected of involving fraud.
The recipient of the inquiry shall provide the requested information within five business days. However, this shall not apply if there are practical operational difficulties, the recipient has explained such difficulties to the inquiring institution within the preceding period, and both parties agree to extend the period for providing the requested information.
Where the recipient of the inquiry is a deposit business institution, the key points or other procedures for the recipient to confirm the identity of the inquiring institution under this Article shall be formulated by the Bankers Association of the Republic of China and reported to the competent authority for record. |