Purpose

This paper aims to analyse the anti-money laundering (AML) obligations imposed on bankers as the main reporting entities under the AML regime in Malaysia. Apart from discussing the relevant provisions, several court cases were also examined to identify the problems which arise in the implementation of the law and the risk of dismissal that bankers may face.

Design/methodology/approach

This paper mainly relies on statutes and court cases as its primary sources of information. It is supported by secondary data to justify the analysis. This paper also uses an analytical descriptive approach to analyse relevant provisions from statutes and to examine current court cases regarding the implementation of the AML obligations on bankers.

Findings

It is submitted that the AML legislation imposes a significant burden of reporting requirements on the bankers, failure of which may justify the dismissal or termination of their services. In other words, the law has not only altered the way bankers deal with their customers but also poses substantial legal risks to their security of tenure. Indeed, getting the right balance between the need to combat money laundering and the interests of bankers is a difficult exercise.

Originality/value

This paper provides an analysis of the liability of bankers under Malaysian AML laws. It is hoped that the content of this paper can provide some insight into this particular area for bankers, enforcement authorities, practitioners, academics, policymakers and legal advisers, not only in Malaysia but also elsewhere. The findings of this paper also highlight the risks that bankers may face for non-compliance with the reporting obligations under the AML laws.

中文翻译：

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反洗钱义务和解雇银行家：来自马来西亚的证据

目的

本文旨在分析马来西亚反洗钱制度下银行家作为主要报告实体所承担的反洗钱（AML）义务。除了讨论相关条文外，还研究了几个法庭案件，以确定法律实施中出现的问题以及银行家可能面临的被解雇的风险。

设计/方法/方法

本文主要以法规和法庭案件为主要信息来源。它得到辅助数据的支持，以证明分析的合理性。本文还使用分析描述性方法来分析法规中的相关规定，并审查当前有关银行家执行反洗钱义务的法院案件。

发现

有人提出，反洗钱立法对银行家施加了重大的报告要求负担，如果不这样做，可能会成为解雇或终止其服务的正当理由。换句话说，该法律不仅改变了银行家与客户打交道的方式，而且还对他们的任期安全构成了重大的法律风险。事实上，在打击洗钱的需要和银行家的利益之间取得适当的平衡是一项困难的工作。

原创性/价值

本文分析了马来西亚反洗钱法下银行家的责任。希望本文的内容能够为银行家、执法当局、从业人员、学者、政策制定者和法律顾问提供一些关于这一特定领域的见解，不仅在马来西亚，而且在其他地方。本文的调查结果还强调了银行家可能因不遵守《反洗钱法》规定的报告义务而面临的风险。