美国银行因反洗钱监管不力被罚款12亿美元

美国银行因未能有效履行反洗钱义务和制裁法规遭到美国政府处罚23。根据BBC报道，罚款总额为12亿美元2，其中美国货币监理官办公室罚款7.5亿美元，为该机构历史上最大罚款，美国外交资产管理办公室另外罚款1160万美元2。

美国银行未能向政府报告超过50亿美元的可疑交易，其中10亿美元涉及国家安全和非法融资风险2。该行的失职行为包括未能标记涉及中国洗钱网络的交易，以及与美国西南边境有关的基于贸易的洗钱交易2。美国银行承认违反《银行保密法》，未能维持符合要求的反洗钱项目2。美国财政部长Scott Bessent表示："当这样规模的银行未能履行反洗钱和制裁义务时，后果远远超出其自身范围，使整个美国金融系统面临重大非法融资风险。"2

Bank of America has been penalized by U.S. regulators for failing to prevent money laundering and enforce sanctions requirements. The U.S. Department of the Treasury imposed a $1.2 billion fine on the bank 23 for its deficiencies in anti-money laundering oversight and compliance with sanctions laws. The financial institution failed to detect and report substantial volumes of suspicious transactions, leaving the American financial system exposed to significant illicit financing risks.

The penalties comprised multiple components from different regulatory bodies. The Office of the Comptroller of the Currency levied $750 million, marking its largest fine in history 2, while the Office of Foreign Assets Control assessed $11.6 million in response to 475 apparent violations of sanctions programs 2. The bank's failures included its inability to flag transactions connected to Chinese money laundering networks and trade-based money laundering schemes related to the U.S. southwestern border 2. Over $5 billion in suspicious transactions went unreported to authorities, with $1 billion of that amount carrying implications for national security and illegal financing concerns 2.

Treasury Secretary Scott Bessent stated that "when a bank of this scale fails to meet its anti-money laundering and sanctions obligations, the consequences extend far beyond the institution itself, creating significant illicit financing risks to the entire U.S. financial system" 2. Bank of America acknowledged violations of the Bank Secrecy Act and confirmed its failure to maintain compliant anti-money laundering programs 2. The enforcement action will impact the bank's third-quarter financial results with a $1.2 billion pretax charge, reducing per-share net income by approximately 17 cents 2.