Resources, Regulatory References
& Expert Articles

The FATF 40 Recommendations form the bedrock of every AML/CFT compliance framework worldwide — including Bangladesh's MLPA 2012. This article breaks down what each pillar means in practice for bankers at the frontline.

Sanctions compliance is no longer optional for Bangladeshi banks with correspondent banking relationships. This article explains the three major sanctions regimes, their differences, and your obligations under each.

Article 14 of UCP 600 is the heart of documentary credit operations — and the most tested topic in the CDCS exam. This deep-dive explains the five banking day rule, the examination standard, and the preclusion principle with real examples.

TBML is the largest and most complex form of money laundering globally — estimated at $1–2 trillion annually. This article explains the four primary techniques: over/under-invoicing, over/under-shipment, multiple invoicing, and phantom shipments.

The distinction between a negotiable bill of lading and a non-negotiable sea waybill is one of the most fundamental — and frequently misunderstood — concepts in trade finance. This article clarifies the differences with practical examples.

Bangladesh's Money Laundering Prevention Act 2012 mandates KYC and CDD for all financial institutions. This article explains the three-tier framework — standard CDD, simplified CDD, and Enhanced Due Diligence — with Bangladesh Bank's requirements.

Incoterms 2020 define who bears risk and cost at each stage of an international shipment. This article walks through all 11 terms — EXW through DDP — with practical examples and their implications for documentary credit operations.

PEP management is one of the highest-risk areas in AML compliance — and a guaranteed CAMS exam topic. This article covers FATF's definition of PEPs, domestic vs foreign PEPs, the risk-based approach to EDD, and Bangladesh's specific requirements.

When a middleman is involved in a trade transaction, two LC structures come into play: transferable LCs under UCP 600 Art 38, and back-to-back LCs. This article explains both structures, their legal frameworks, and when each is appropriate.

Filing accurate, timely STRs to the BFIU is a core legal obligation for all Reporting Organisations under MLPA 2012. This article covers the legal framework, red flag indicators, the STR filing process in Bangladesh, and what happens after you file.