Anti Money Laundering checks authority without consent

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Dear The Financial Conduct Authority,

under what circumstances can an Anti Money Laundering check be carried out on a person without their knowledge and consent ?

Yours faithfully,

julian fernandes

The Financial Conduct Authority

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The Financial Conduct Authority (FCA) is registered as a limited company in England and Wales No. 1920623. Registered office: 25 The North Colonnade, Canary Wharf, London E14 5HS, United Kingdom

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Freedom of Information, The Financial Conduct Authority

1 Attachment

Dear Mr Fernandes
Thank you for your email below.
The information you have requested can be provided to you under routine
correspondence. Your enquiry has therefore been forwarded to our Customer
Contact Centre (CCC) as they are the most appropriate area to provide
answers to the question you have posed.
The case reference number is 204605863.
You can contact them at the following numbers:
•         UK: 0800 111 6768 (freephone)
•         From abroad: +44 20 7066 1000
or Email: [email address]
Yours sincerely
Information Access Team / Finance and Business Services
Financial Conduct Authority
25 The North Colonnade
Canary Wharf
E14 5HS
Tel:    +44 (0)20 7066 8080

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FCA - Individuals Inbox, The Financial Conduct Authority

Dear Julian,

Thank you for your email dated 15 February 2017 to the Freedom of
Information team, you enquiry has been passed to the Customer Contact
Centre as we are best placed to answer your query.

Our response

Firms must have in place policies and procedures in relation to customer
due diligence and monitoring, among others, but neither the law nor our
rules prescribe in detail how firms have to do this.

Further information on how the Money Laundering Regulations 2007 are
implemented with regards to firms that are authorised and regulated by the
FCA can be found on our website [1]here. 

We have provided examples, in the FCA Handbook, of good and poor practice
in our [2]Financial Crime: A Guide for Firms to help firms in benchmarking
their existing systems or creating new ones.

I hope the above information helps. If you have any further queries or
questions, please do not hesitate to get in touch.

Kind Regards

Alexis Halliday
Associate/Authorisations /Contact Centre
Financial Conduct Authority
25 The North Colonnade
Canary Wharf
E14 5HS
0800 111 6768


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Dear FCA - Individuals Inbox,

So if i have a complaint about an unauthorised search, who would i complain to and how would they determine if the search was legal ?

Yours sincerely,

julian F

Customer Contact Centre, The Financial Conduct Authority

Dear Julian Fernandes

Thanks for your response. I can see you've been corresponding with my
colleague Alexis, I shall be responding in his absence.

I've read your email and it's unclear as what you mean by unauthorised

In order for me to be able to provide you with the appropriate guidance,
please can you explain to me how you believe anti money laundering checks
were carried out without your consent.

As my colleague Alexis previously mentioned, we do expect
all regulated firms to have relevant systems and controls in place to
prevent money laundering and fraudulent activities from happening.
However, we don't have any specific rules which stipulate how or when
these checks are carried out.

Finally Julian, to help us improve our service, I’m interested in finding
out about your experience with the Contact Centre today. I’ll send you a
link to a survey and I’d appreciate it if you could take a few moments to
share your feedback on the service you’ve received from me.

Yours sincerely

Daniel Duncan
Associate / Supervision – Retail & Authorisations
Financial Conduct Authority
25 The North Colonnade
Canary Wharf
E14 5HS
Telephone: 0800 111 6768
Email: [1][email address]
Website: [2]




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1. mailto:[email address]

FCA No Reply, The Financial Conduct Authority

Dear Julian Fernandes,

At the FCA we’re always looking at ways to add value to the service
we deliver.

You were recently in touch with a member of our team and I’d like
your feedback. The survey will only take a few minutes to complete.

Please click [1]here to complete the survey. 

Thank you in advance.


Jo-Anne Ruggieri

Contact Centre Manager

Financial Conduct Authority



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