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Đường Môn mới xuất hiện chưa đầy 2 tháng, giang hồ vẫn chưa hết hỗn độn thì Tân Thiên Long Mobile lại rục rịch trình làng Mộ Dung phái.
Những ngày cuối năm hứa hẹn sẽ cực kỳ khốc liệt đối với anh hùng hào kiệt Tân Thiên Long Mobile. Cuồng phong vũ bão từ các sát thủ Đường Môn vẫn chưa nguôi ngoai, cao thủ tứ phương còn rất bỡ ngỡ về cách phá giải “nguyệt ảnh kỳ trận” thì lại bắt đầu đón nhận giông tố từ 1 thế lực khác mang đến… Thế lực ấy chính là Mộ Dung.
Nhắc đến Thiên Long Bát Bộ, mấy ai lại không biết đến Mộ Dung và điển hình nhất chính là Mộ Dung Phục. Theo đó, Mộ Dung Phục là hậu duệ của hoàng gia nước Yên, hắn đến từ Giang Nam, thiên hạ đệ nhất anh tuấn, khí phách hiển hách, có tài có trí, sẵn sàng dùng mọi thủ đoạn để phục hưng Đại Yên. Hắn là kẻ duy nhất trong Thiên Long Bát Bộ được Kim Dung cho xếp ngang hàng võ công với Tiêu Phong.
Mộ Dung Cô Tô nổi tiếng với khả năng “gậy ông đập lưng ông”, dùng chính sức mạnh đối thủ để đánh bại đối thủ. Tuyệt kỹ của hắn cũng vang danh không kém Giáng Long Thập Bát Chưởng của Tiêu Phong có tên chính thức là Đẩu Chuyển Tinh Di.
Trong Thiên Long Bát Bộ bản PC, Mộ Dung được xem là 1 trong những phái có sức mạnh đáng gườm và được cộng đồng cực kỳ yêu thích. Tại đây Mộ Dung thuộc phái cận chiến, đánh nội công và thuộc tính huyền. Điểm khiếp sợ mà các môn đệ phái này gây ra trên giang hồ chắc chắn phải kể đến “Định Thân” – khiến đối thủ không thể di chuyển được, kế đến là “Phong Huyệt” – khiến mục tiêu bị điểm huyệt đến không thể sử dụng bất kỳ thao tác nào, nói nôm na là rơi vào trạng thái bất lực, cực kỳ khó chịu.
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– – ĐÁNH GIÁFIN-2012-G004 Frequently Asked Questions Casino Recordkeeping, Reporting, and Compliance Program Requirements
This document provides guidance interpreting the requirements of the Bank Secrecy Act (’BSA’) regulations1 as they apply to the casino and card club industries in the United States. FinCEN additionally published frequently asked questions for casinos and card clubs as FIN-2007-G005 on November 14, 2007 and FIN-2009-G004 on September 30, 2009. Casinos and card clubs may continue to rely on the guidance contained in FIN-2007-G005 and FIN-2009-G004, which have not been incorporated into this publication. Section A: 31 C.F.R. § 1010.100 Casino and Card Club DefinitionsQuestion 1: Are two separately licensed, but jointly-owned tribal gaming operations, one of which is a bingo hall and the other offering casino games, both treated as casinos under the BSA regulations?Casino Funerals
Answer 1: If a tribal government issues two separate licenses, one for a tribal gaming operation that only offers traditional bingo, and one for a tribal gaming operation that offers casino games, the former is not treated as a casino under BSA regulations, while the latter is treated as a casino under BSA regulations.2 Joint ownership is not relevant to the determination. See FIN-2007-G005 (Nov. 14, 2007), Question and Answer 2, concerning the treatment of bingo. Question 2: Is a casino or a card club that cashes checks considered a money services business (’MSB’)?
Answer 2: No. A casino or a card club that is duly licensed or authorized to do business as such, and has gross annual gaming revenue in excess of $1 million, is subject to the requirements applicable to casinos or card clubs, even if a casino or card club does its own check cashing. A casino or a card club is not required to comply with rules specific to MSBs.3 Section B: 31 C.F.R. §§ 1021.311(a) - (c) and 1021.313 Currency Transaction Reporting RequirementsQuestion 3: Can a casino comply with currency transaction reporting requirements by using a ’two-strike’ system to obtain identifying information for customers purchasing chips in multiple transactions?
Answer 3: FinCEN is aware that some casinos use a so-called ’two-strike’ system (or possibly a similarly designed system) to obtain customer identifying information related to reportable currency transactions involving multiple chip purchases during a gaming day. Rather than obtaining information directly from a customer during a transaction, the casino relies upon computer or other pre-existing internal records to identify transactions and obtain the identifying information (e.g., Social Security Number, an address) needed to complete a currency transaction report. If the necessary identifying information is absent or incomplete, the casino will file an incomplete report and enter the name of the customer into a computerized database.
When the same customer returns to the casino on another gaming day and purchases $5,000 or more in chips with currency, the casino will check a computerized database to determine if an incomplete report had previously been filed. The casino will ask the customer for any omitted identifying information. If the customer refuses to provide the information and the customer purchases chips for less than $10,000, the casino will wait until the customer’s currency activity exceeds $10,000, at which point it will again request identifying information. If the customer refuses to provide the information, then the customer is banned from further cash buy-ins until the information is produced or until the expiration of six months.
A ’two-strike’ system could result in the filing of two incomplete currency transaction reports. The casino has knowledge that the same customer has conducted transactions in amounts aggregating to more than $10,000 during a single gaming day. A casino has 15 gaming days to file a complete report. If a casino has a reasonable opportunity to obtain identifying information from a customer, but instead relies on inaccurate or incomplete information in pre-existing internal records, the casino has not complied with the regulations.Question 4: Is a card club required to create and retain records of all currency transactions related to Kum Kum betting?Casino Cfo Salary
Answer 4: The regulations implementing the BSA require card clubs to create and to retain records of all currency transactions by customers, including records in the form of currency transaction logs and multiple currency transaction logs.4 This requirement applies to card clubs that offer the practice of Kum Kum betting and banking.5 In Kum Kum betting, bets are broken into a ratio or evenly split among individuals in a partnership, and wins or losses are divided among the individuals. An individual placing a Kum Kum bet must exchange currency for chips with a card club dealer or chip runner before a Kum Kum bet is accepted.
The regulations require a card club to file a currency transaction report for each transaction in currency involving cash in or cash out of greater than $10,000.6 An individual purchasing chips with currency is conducting a cash-in transaction. Card clubs completing a currency transaction report must identify persons on whose behalf transactions are conducted and must aggregate transactions based on the identities of these persons. An individual placing a Kum Kum bet places the bet on behalf of each individual in the partnership. Card clubs must have risk-based procedures to identify Kum Kum bets and the individuals involved in the bets.
Question 5: Can a casino rely on an ITIN as a means of verifying identity?
Answer 5: No. The Internal Revenue Service (’IRS’) issues an Individual Taxpayer Identification Number (’ITIN’)7 to individuals for use as a tax processing number. The IRS issues ITINs to foreign nationals and others (both resident and nonresident aliens) who have Federal tax reporting or filing requirements and do not qualify for Social Security numbers. The regulations require casinos and card clubs to verify the identities of these individuals by examining a passport, alien identification card, or other unexpired official document evidencing nationality or residence.8 Casinos should not rely on ITINs in verifying identity or responding to items in a currency transaction report that elicit information on verification of identity, since ITIN applicants are not required to provide identification documents.
Question 6: What transactions are exempted from currency transaction reporting requirements?
Answer 6: A casino is not required to report currency transactions with:
*Certain domestic banks;9 or
*Dealers in foreign exchange or check cashers, so long as the transactions are conducted pursuant to a contractual or other arrangement covering the financial services described in 31 C.F.R. §§ 1021.311(a)(8), (b)(7), and (b)(8).
In addition, a casino is not required to report the following transactions:
*Cash-ins to the extent the same physical currency was wagered previously in a money play on the same table game without leaving the table;19
*Bills inserted into electronic gaming devices in multiple transactions (unless a casino has knowledge pursuant to 31 C.F.R. § 1021.313);
*Cash outs won in a money play, to the extent it is the same physical currency wagered; or
*Jackpots from slot machines or video lottery terminals.
Question 7: Can a casino subtract cash-out transactions from cash-in transactions when aggregating multiple transactions?
Answer 7: No. Cash-in and cash-out transactions are to be aggregated separately and must not be offset against one another. If there are both cash-in and cash-out transactions that individually exceed $10,000, a casino should enter the amounts separately on the currency transaction report.
Section C: 31 C.F.R. § 1021.320 Suspicious Transaction Reporting Requirements
Question 8: Is a casino required to report suspicious transactions conducted through slot machines or video lottery terminals?
Answer 8: Yes. Transactions conducted through slot machines or video lottery terminals are transactions ’conducted or attempted by, at, or through’ a casino for purposes of 31 C.F.R. § 1021.320. Exemptions from the requirement to file currency transaction reports are not exemptions from the requirement to report suspicious transactions.11 A casino is required to establish risk-based internal controls for ensuring compliance with the requirement to report suspicious transactions. Risk-based internal controls12 may include procedures for the use of automated slot monitoring systems,13 including a gaming device bill validator file,14 and surveillance systems to identify customers conducting suspicious activity through slot machines and video lottery terminals.
Question 9: Is a casino required to use kiosk or slot ticket redemption reports to detect suspicious activity?
Answer 9: A casino is required to establish risk-based internal controls for ensuring compliance with the requirement to report suspicious transactions, including procedures for using all available information, and procedures for the use of automated data processing systems. Many casinos offer multifunctional customer kiosk machines, connected to a gateway or kiosk server, that can perform a variety of financial transactions, such as redeeming slot machine or video lottery tickets for currency, exchanging U.S. currency for U.S. currency (i.e., breaking bills or paper money), redeeming player slot club points, and initiating electronic transfers of funds to or from a wagering account.
While ticket in/ticket out (’TITO’) tickets redeemed at kiosks or terminals do not contain a customer’s name or any account number, each ticket has the number of the slot machine or video lottery terminal that issued it, as well as an 18-digit validation number and a unique bar code that can be used to identify a customer.15 Although customers are limited to redeeming tickets usually valued at no more than $3,000, a customer can conduct a series of ticket redemptions in amounts less than $3,000 at the same kiosk, or two kiosks located near each other, during a short period of time (often within several minutes) and thereby avoid limits on the value of tickets redeemed at a kiosk.16 In addition, customers can feed bills into multiple slot machine validators, make no bets or a single small bet, print out TITO tickets, and cash them at a slot redemption kiosk, without human interaction. Both of the above are casino vulnerabilities. For purposes of suspicious transaction reporting, casinos should note that the reporting requirement also applies to ’patterns of transactions’ that are suspicious and aggregate to $5,000. Thus, when a casino develops its risk-based compliance procedures for monitoring for suspicious activities, it must consider and use, as practicable, the transactional information in kiosk-slot ticket redemption detail reports 17 for the purposes of reporting suspicious activities.
Question 10: What must a casino or card club do when it receives a subpoena for a suspicious activity report?
Answer 10: If a casino or card club is served with a subpoena requiring disclosure of a suspicious activity report or the fact that a suspicious activity report has been filed, except to the extent that the subpoena is submitted by an appropriate law enforcement or supervisory agency, a casino or card club should neither confirm nor deny the existence of the report. A casino or card club should immediately notify FinCEN’s Office of Chief Counsel at (703) 905-3590.
Section D: 31 C.F.R. § 1021.410 Casino Recordkeeping Requirements
Question 11: Are wagering accounts subject to the same recordkeeping requirements as front money accounts?
Answer 11: Yes. Customers can deposit funds or winning tickets into race book/sports pool wagering accounts, transfer funds between front money accounts and wagering accounts, and withdraw funds from wagering accounts in the form of casino checks, currency, electronic transmittals of funds, credits to a personal debit card, or as bookkeeping withdrawals to fund bets or wagers on events. Wagering accounts function similarly to front money accounts and are therefore subject to the same recordkeeping requirements.18
Question 12: When a junket representative opens a front money account at a casino, is a casino required to obtain and verify identifying information for each member of the junket?
Answer 12: A ’junket’ is a term of art for a group of players who travel together for the purpose of gambling. A ’junket representative’ is the person responsible for organizing the group. Junket members often are known and rated gamblers and expected to participate in a given level of gambling activity. Typically, the junket representative will send an electronic transmittal of funds to a bank maintaining an account for a casino or possibly to a money transmitter located on the premises of a casino, in an amount equal to the total funds that the members of the junket intend to gamble. The funds will be held in a front money account at a casino until the junket arrives.
Recordkeeping requirements at 31 CFR § 1021.410(a) state that ’where [a] deposit [or] account is in the names of two or more persons, the casino shall secure the name, permanent address, and social security number of each person having a financial interest in the deposit [or] account.’ The provision requires that casinos verify identity at the time the deposit is made or the account opened. If a casino allows members of a junket to conduct wagers or other transactions through the front money account, then the account ’is in the names of two or more persons,’ and each member of the junket has a ’financial interest’ in the account.19
When a person is a nonresident alien, the casino shall record the person’s passport number20 or a description of another government document used to verify identity.21 Also, when a junket representative sends funds to a casino via an international funds transfer, customer identification requirements apply at any monetary value.22
Casinos are required to implement risk-based procedures for ensuring compliance with the requirement to report suspicious transactions, including procedures for using ’all available information to determine the occurrence of any transactions required to be reported’ as suspicious.24 A casino is required to implement procedures for identifying the junket representative and each member of the junket, obtaining other information on these individuals, and conducting due diligence, for front money accounts.
Question 13: How should a casino treat jackpots
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Đường Môn mới xuất hiện chưa đầy 2 tháng, giang hồ vẫn chưa hết hỗn độn thì Tân Thiên Long Mobile lại rục rịch trình làng Mộ Dung phái.
Những ngày cuối năm hứa hẹn sẽ cực kỳ khốc liệt đối với anh hùng hào kiệt Tân Thiên Long Mobile. Cuồng phong vũ bão từ các sát thủ Đường Môn vẫn chưa nguôi ngoai, cao thủ tứ phương còn rất bỡ ngỡ về cách phá giải “nguyệt ảnh kỳ trận” thì lại bắt đầu đón nhận giông tố từ 1 thế lực khác mang đến… Thế lực ấy chính là Mộ Dung.
Nhắc đến Thiên Long Bát Bộ, mấy ai lại không biết đến Mộ Dung và điển hình nhất chính là Mộ Dung Phục. Theo đó, Mộ Dung Phục là hậu duệ của hoàng gia nước Yên, hắn đến từ Giang Nam, thiên hạ đệ nhất anh tuấn, khí phách hiển hách, có tài có trí, sẵn sàng dùng mọi thủ đoạn để phục hưng Đại Yên. Hắn là kẻ duy nhất trong Thiên Long Bát Bộ được Kim Dung cho xếp ngang hàng võ công với Tiêu Phong.
Mộ Dung Cô Tô nổi tiếng với khả năng “gậy ông đập lưng ông”, dùng chính sức mạnh đối thủ để đánh bại đối thủ. Tuyệt kỹ của hắn cũng vang danh không kém Giáng Long Thập Bát Chưởng của Tiêu Phong có tên chính thức là Đẩu Chuyển Tinh Di.
Trong Thiên Long Bát Bộ bản PC, Mộ Dung được xem là 1 trong những phái có sức mạnh đáng gườm và được cộng đồng cực kỳ yêu thích. Tại đây Mộ Dung thuộc phái cận chiến, đánh nội công và thuộc tính huyền. Điểm khiếp sợ mà các môn đệ phái này gây ra trên giang hồ chắc chắn phải kể đến “Định Thân” – khiến đối thủ không thể di chuyển được, kế đến là “Phong Huyệt” – khiến mục tiêu bị điểm huyệt đến không thể sử dụng bất kỳ thao tác nào, nói nôm na là rơi vào trạng thái bất lực, cực kỳ khó chịu.
Liệu Mộ Dung trong Tân Thiên Long Mobile sẽ thừa hưởng bao nhiêu % sự lợi hại ấy? Và có bất kỳ sự đổi khác nào mới lạ hơn không? Tất cả vẫn còn đang là những câu hỏi không hồi kết đang dần dần lan tỏa mạnh trong cộng đồng Tân Thiên Long Mobile suốt những ngày qua.
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– – ĐÁNH GIÁFIN-2012-G004 Frequently Asked Questions Casino Recordkeeping, Reporting, and Compliance Program Requirements
This document provides guidance interpreting the requirements of the Bank Secrecy Act (’BSA’) regulations1 as they apply to the casino and card club industries in the United States. FinCEN additionally published frequently asked questions for casinos and card clubs as FIN-2007-G005 on November 14, 2007 and FIN-2009-G004 on September 30, 2009. Casinos and card clubs may continue to rely on the guidance contained in FIN-2007-G005 and FIN-2009-G004, which have not been incorporated into this publication. Section A: 31 C.F.R. § 1010.100 Casino and Card Club DefinitionsQuestion 1: Are two separately licensed, but jointly-owned tribal gaming operations, one of which is a bingo hall and the other offering casino games, both treated as casinos under the BSA regulations?Casino Funerals
Answer 1: If a tribal government issues two separate licenses, one for a tribal gaming operation that only offers traditional bingo, and one for a tribal gaming operation that offers casino games, the former is not treated as a casino under BSA regulations, while the latter is treated as a casino under BSA regulations.2 Joint ownership is not relevant to the determination. See FIN-2007-G005 (Nov. 14, 2007), Question and Answer 2, concerning the treatment of bingo. Question 2: Is a casino or a card club that cashes checks considered a money services business (’MSB’)?
Answer 2: No. A casino or a card club that is duly licensed or authorized to do business as such, and has gross annual gaming revenue in excess of $1 million, is subject to the requirements applicable to casinos or card clubs, even if a casino or card club does its own check cashing. A casino or a card club is not required to comply with rules specific to MSBs.3 Section B: 31 C.F.R. §§ 1021.311(a) - (c) and 1021.313 Currency Transaction Reporting RequirementsQuestion 3: Can a casino comply with currency transaction reporting requirements by using a ’two-strike’ system to obtain identifying information for customers purchasing chips in multiple transactions?
Answer 3: FinCEN is aware that some casinos use a so-called ’two-strike’ system (or possibly a similarly designed system) to obtain customer identifying information related to reportable currency transactions involving multiple chip purchases during a gaming day. Rather than obtaining information directly from a customer during a transaction, the casino relies upon computer or other pre-existing internal records to identify transactions and obtain the identifying information (e.g., Social Security Number, an address) needed to complete a currency transaction report. If the necessary identifying information is absent or incomplete, the casino will file an incomplete report and enter the name of the customer into a computerized database.
When the same customer returns to the casino on another gaming day and purchases $5,000 or more in chips with currency, the casino will check a computerized database to determine if an incomplete report had previously been filed. The casino will ask the customer for any omitted identifying information. If the customer refuses to provide the information and the customer purchases chips for less than $10,000, the casino will wait until the customer’s currency activity exceeds $10,000, at which point it will again request identifying information. If the customer refuses to provide the information, then the customer is banned from further cash buy-ins until the information is produced or until the expiration of six months.
A ’two-strike’ system could result in the filing of two incomplete currency transaction reports. The casino has knowledge that the same customer has conducted transactions in amounts aggregating to more than $10,000 during a single gaming day. A casino has 15 gaming days to file a complete report. If a casino has a reasonable opportunity to obtain identifying information from a customer, but instead relies on inaccurate or incomplete information in pre-existing internal records, the casino has not complied with the regulations.Question 4: Is a card club required to create and retain records of all currency transactions related to Kum Kum betting?Casino Cfo Salary
Answer 4: The regulations implementing the BSA require card clubs to create and to retain records of all currency transactions by customers, including records in the form of currency transaction logs and multiple currency transaction logs.4 This requirement applies to card clubs that offer the practice of Kum Kum betting and banking.5 In Kum Kum betting, bets are broken into a ratio or evenly split among individuals in a partnership, and wins or losses are divided among the individuals. An individual placing a Kum Kum bet must exchange currency for chips with a card club dealer or chip runner before a Kum Kum bet is accepted.
The regulations require a card club to file a currency transaction report for each transaction in currency involving cash in or cash out of greater than $10,000.6 An individual purchasing chips with currency is conducting a cash-in transaction. Card clubs completing a currency transaction report must identify persons on whose behalf transactions are conducted and must aggregate transactions based on the identities of these persons. An individual placing a Kum Kum bet places the bet on behalf of each individual in the partnership. Card clubs must have risk-based procedures to identify Kum Kum bets and the individuals involved in the bets.
Question 5: Can a casino rely on an ITIN as a means of verifying identity?
Answer 5: No. The Internal Revenue Service (’IRS’) issues an Individual Taxpayer Identification Number (’ITIN’)7 to individuals for use as a tax processing number. The IRS issues ITINs to foreign nationals and others (both resident and nonresident aliens) who have Federal tax reporting or filing requirements and do not qualify for Social Security numbers. The regulations require casinos and card clubs to verify the identities of these individuals by examining a passport, alien identification card, or other unexpired official document evidencing nationality or residence.8 Casinos should not rely on ITINs in verifying identity or responding to items in a currency transaction report that elicit information on verification of identity, since ITIN applicants are not required to provide identification documents.
Question 6: What transactions are exempted from currency transaction reporting requirements?
Answer 6: A casino is not required to report currency transactions with:
*Certain domestic banks;9 or
*Dealers in foreign exchange or check cashers, so long as the transactions are conducted pursuant to a contractual or other arrangement covering the financial services described in 31 C.F.R. §§ 1021.311(a)(8), (b)(7), and (b)(8).
In addition, a casino is not required to report the following transactions:
*Cash-ins to the extent the same physical currency was wagered previously in a money play on the same table game without leaving the table;19
*Bills inserted into electronic gaming devices in multiple transactions (unless a casino has knowledge pursuant to 31 C.F.R. § 1021.313);
*Cash outs won in a money play, to the extent it is the same physical currency wagered; or
*Jackpots from slot machines or video lottery terminals.
Question 7: Can a casino subtract cash-out transactions from cash-in transactions when aggregating multiple transactions?
Answer 7: No. Cash-in and cash-out transactions are to be aggregated separately and must not be offset against one another. If there are both cash-in and cash-out transactions that individually exceed $10,000, a casino should enter the amounts separately on the currency transaction report.
Section C: 31 C.F.R. § 1021.320 Suspicious Transaction Reporting Requirements
Question 8: Is a casino required to report suspicious transactions conducted through slot machines or video lottery terminals?
Answer 8: Yes. Transactions conducted through slot machines or video lottery terminals are transactions ’conducted or attempted by, at, or through’ a casino for purposes of 31 C.F.R. § 1021.320. Exemptions from the requirement to file currency transaction reports are not exemptions from the requirement to report suspicious transactions.11 A casino is required to establish risk-based internal controls for ensuring compliance with the requirement to report suspicious transactions. Risk-based internal controls12 may include procedures for the use of automated slot monitoring systems,13 including a gaming device bill validator file,14 and surveillance systems to identify customers conducting suspicious activity through slot machines and video lottery terminals.
Question 9: Is a casino required to use kiosk or slot ticket redemption reports to detect suspicious activity?
Answer 9: A casino is required to establish risk-based internal controls for ensuring compliance with the requirement to report suspicious transactions, including procedures for using all available information, and procedures for the use of automated data processing systems. Many casinos offer multifunctional customer kiosk machines, connected to a gateway or kiosk server, that can perform a variety of financial transactions, such as redeeming slot machine or video lottery tickets for currency, exchanging U.S. currency for U.S. currency (i.e., breaking bills or paper money), redeeming player slot club points, and initiating electronic transfers of funds to or from a wagering account.
While ticket in/ticket out (’TITO’) tickets redeemed at kiosks or terminals do not contain a customer’s name or any account number, each ticket has the number of the slot machine or video lottery terminal that issued it, as well as an 18-digit validation number and a unique bar code that can be used to identify a customer.15 Although customers are limited to redeeming tickets usually valued at no more than $3,000, a customer can conduct a series of ticket redemptions in amounts less than $3,000 at the same kiosk, or two kiosks located near each other, during a short period of time (often within several minutes) and thereby avoid limits on the value of tickets redeemed at a kiosk.16 In addition, customers can feed bills into multiple slot machine validators, make no bets or a single small bet, print out TITO tickets, and cash them at a slot redemption kiosk, without human interaction. Both of the above are casino vulnerabilities. For purposes of suspicious transaction reporting, casinos should note that the reporting requirement also applies to ’patterns of transactions’ that are suspicious and aggregate to $5,000. Thus, when a casino develops its risk-based compliance procedures for monitoring for suspicious activities, it must consider and use, as practicable, the transactional information in kiosk-slot ticket redemption detail reports 17 for the purposes of reporting suspicious activities.
Question 10: What must a casino or card club do when it receives a subpoena for a suspicious activity report?
Answer 10: If a casino or card club is served with a subpoena requiring disclosure of a suspicious activity report or the fact that a suspicious activity report has been filed, except to the extent that the subpoena is submitted by an appropriate law enforcement or supervisory agency, a casino or card club should neither confirm nor deny the existence of the report. A casino or card club should immediately notify FinCEN’s Office of Chief Counsel at (703) 905-3590.
Section D: 31 C.F.R. § 1021.410 Casino Recordkeeping Requirements
Question 11: Are wagering accounts subject to the same recordkeeping requirements as front money accounts?
Answer 11: Yes. Customers can deposit funds or winning tickets into race book/sports pool wagering accounts, transfer funds between front money accounts and wagering accounts, and withdraw funds from wagering accounts in the form of casino checks, currency, electronic transmittals of funds, credits to a personal debit card, or as bookkeeping withdrawals to fund bets or wagers on events. Wagering accounts function similarly to front money accounts and are therefore subject to the same recordkeeping requirements.18
Question 12: When a junket representative opens a front money account at a casino, is a casino required to obtain and verify identifying information for each member of the junket?
Answer 12: A ’junket’ is a term of art for a group of players who travel together for the purpose of gambling. A ’junket representative’ is the person responsible for organizing the group. Junket members often are known and rated gamblers and expected to participate in a given level of gambling activity. Typically, the junket representative will send an electronic transmittal of funds to a bank maintaining an account for a casino or possibly to a money transmitter located on the premises of a casino, in an amount equal to the total funds that the members of the junket intend to gamble. The funds will be held in a front money account at a casino until the junket arrives.
Recordkeeping requirements at 31 CFR § 1021.410(a) state that ’where [a] deposit [or] account is in the names of two or more persons, the casino shall secure the name, permanent address, and social security number of each person having a financial interest in the deposit [or] account.’ The provision requires that casinos verify identity at the time the deposit is made or the account opened. If a casino allows members of a junket to conduct wagers or other transactions through the front money account, then the account ’is in the names of two or more persons,’ and each member of the junket has a ’financial interest’ in the account.19
When a person is a nonresident alien, the casino shall record the person’s passport number20 or a description of another government document used to verify identity.21 Also, when a junket representative sends funds to a casino via an international funds transfer, customer identification requirements apply at any monetary value.22
Casinos are required to implement risk-based procedures for ensuring compliance with the requirement to report suspicious transactions, including procedures for using ’all available information to determine the occurrence of any transactions required to be reported’ as suspicious.24 A casino is required to implement procedures for identifying the junket representative and each member of the junket, obtaining other information on these individuals, and conducting due diligence, for front money accounts.
Question 13: How should a casino treat jackpots
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