Attention DANGER !

Depuis que la crise économique sévit fortement en Europe et compte tenu de la difficulté à mener des activités cross border dans des pays occidentaux, les gérants ont tendance à aller chercher la clientèle sur les zones réputées à risques élevées.

Les conséquences pour la société civile suisse sont potentiellement très élevées.

A titre d’exemple, soulignons l’existence du cable qui révèle les tractations entre Doris Leuthard et l’administration américaine :

4. (S) Leuthard then turned the topic of discussion to Swiss willingness to accept several detainees from Guatanamo for resettlement and encouraged us to provide as much data as possible quickly so that the Swiss could move forward. CDA advised that more bio and medical data had been received today and was being delivered via a separate channel.

5. (S) At this point, Leuthard emphasized that these two actions were « elements showing that Switzerland is committed to resolving all issues between our countries. » To bring home the point, she reiterated that this resolve extended especially to finding a political solution to the UBS case.

Extrait de :

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1.Account transactions that are inconsistent  with past deposits or withdrawals

2. Transactions involving a high volume of incoming or outgoing wire transfers with no logical or apparent purpose that come from, go to, or transit locations of concern (for example, sanctioned countries, noncooperative nations,and sympathizer nations)

3 .Unexplainable clearing or negotiation of third‑party checks and their deposits in foreign bank accounts

4. Breaking transactions larger than $10,000 into smaller amounts by making multiple deposits or withdrawals or buying cashier’s checks, money orders, or other monetary instruments to evade reporting requirements

5 .Corporate layering (that is, transfers between bank accounts of related entities or charities for no apparent reason)

6. Wire transfers by charitable organizations to companies located in countries known to be bank or tax havens

7 .Charitable bank deposits that lack signs of fund‑raising activity (for example, lack of small checks or typical donations)

8 .Use of multiple accounts to collect funds that are transferred to the same foreign beneficiaries

9 .Transactions without logical economic purpose (that is, no link between the activity of the organization and other parties involved in the transaction)

10.Overlapping corporate officers, bank signatories, or other identifiable similarities associated with the same addresses, references, and financial activities.

11. Cash‑debiting schemes in which deposits in the United States correlate directly with ATM cash withdrawals in countries of concern; reverse transactions of this nature are also suspicious.

12. Issuance of checks, money orders, or other financial instruments, often numbered sequentially, to the same or similarly named person or business.


L’Irak, une situation désastreuse:

Certaines banques ont jugé bon de développer des liens avec le nord de l’Irak (KRG) ou l’Irak dans sa totalité. Pourtant la réalité incite à la plus grande prudence et tous les comptes irakiens doivent faire l’objet d’une surveillance accrue.

Vous pouvez nous contacter sur ce sujet. Nous ne pouvons que vous sensibiliser au travers de quelques articles et remarques. A la veille du retrait des troupes américaines, l’Irak n’a pas de Ministre de l’intérieur, pas de Ministre de la Défense, la corruption permet de se procurer n’importe quel document officiel. Il y a autant de faux billets qui circulent que de vrais.

Quelques éléments pour en juger ;

Financial sector is still suffering chaos as a result of lack of oversight and the absence of organized laws, especially remittances abroad, which amounted to $ 30 billion in 2010, according to Central Bank of Iraq. After 2003, and found a large proportion of cash in Iraq on its way out of the country, especially neighboring countries, did not work any governmental or private to determine the size of these funds. After the government’s control over key ports, and because of the difficulty of transporting money to the deteriorating security situation on the roads, picked up what is known as foreign exchange offices, which began its work in the form of natural and without any approvals, laws or censorship.

The owner of «Al-Shams for money transferring» Diaa Mohamed told «life», the regulators on the work of office conversion in most cities in Iraq is security, not financial, like Central Bank or the Finance Ministry or local governments, but there are reports of transfers the information of the intelligence service in each province To see the size of the balances that prevent some of the names to make sure that their association with the financing of terrorism. He added: «We are a small office space, do not turn the money over 50 thousand dollars», pointing out that the work of the offices in Iraq through the systems of money transfer companies.

The first expert in the Iraqi Central Bank, Mohammed Saleh told «life» that the bank, or any other Iraqi, cannot prevent foreign transfers or rationing system, as Iraq is committed to the laws of the International Monetary Fund, which provides free current account in the system of payments to companies and individuals. He stated that «every citizen has the right to transfer funds, on condition that it is not used with the financing of terrorism and money laundering, so we added a condition for conversion represented by the request and the documents showing the reasons for the conversion of the amounts in excess of 50 thousand dollars».

Central Bank Sales

He stressed that the bank sells in the form of daily between 150 million and $ 180 million, and the private sector trnsfers each year, about $ 35 billion, representing two thirds of the proceeds of Iraqi oil. He reported that it is not plausible that all of the conversions are intended to cover foreign trade, the imposition of the Central Bank to add an item requires another regulatory review of the General Authority for taxes on amounts in excess of 50 thousand dollars for the organization of the conversion process and the pursuit of tax evaders. He disclosed the presence of people turning $ 100 million, while they recognized that tax indicates otherwise.

In regard to the activity office conversion confirmed the appearance of it «adopt in its work on the Central Bank as a source of foreign currency», pointing out that Iraq’s economy, depends on oil revenues transferred to the «Development Fund for Iraq» and then to the Central Bank to sell those currencies covering the needs of the budget. He said the bank’s policies have contributed to the stability of the Iraqi market, even the Iraqi dinar has become one of the best currencies in the region because it is equal to 1.3 U.S. dollars, therefore the possibility of expansion content in the market during this phase.


La chute de Trade Bank of Iraq :

Bank’s British adviser denounces « political skulduggery »

* One of Iraq’s biggest banks, financed trade and investment

Iraq’s prime minister on Thursday ordered a judicial investigation into one of the country’s biggest banks, the Trade Bank of Iraq, saying it was suspected of committing « violations ».

The bank’s president and chairman, Hussein Al-Uzri, could not be reached for comment.

A British adviser to the bank’s board, Sir Claude Hankes, condemned the move by Prime Minister Nuri al-Maliki’s government as « political skulduggery ». He said the bank had resisted efforts by members of the government to try to make it undertake « improper banking transactions ».

Le financement du terrorisme, une véritable industrie :

Une cinquantaine de groupes criminels dépouillent l’économie irakienne, mais certains comme ISI (Islamic State of Iraq) sont plus doués que d’autres. Ils tirent des revenus du racket des commerçants qui doivent payer un « impôt » ou mourir. S’ils vendent le commerce ils doivent également payer; de sorte que sur la seule ville de Mosul , l’ISI récolte aujourd’hui USD 7M par mois.

Interview d’un gérant de pompe à essence :

The Islamic State of Iraq is widely described by businesspeople, officials and security leaders as a mafia-like organisation that extorts cash from Mosul residents in a bid to fund attacks.
« If I keep the gas station open, Al-Qaeda gunmen demand I give them free fuel and make financial contributions, claiming to fight the occupation, » Juburi said, referring to US forces in Iraq as many locals here still do, eight years after the invasion that ousted now-executed dictator Saddam Hussein.
« If I close it, the security forces accuse me of cowering to terrorists, of creating supply problems, and they threaten to throw me in prison for a week or two. So, I pay. »

Les groupes terroristes ont aussi infiltrés les banques afin de pouvoir kidnapper et rançonner les clients qui ont de l’argent sur le compte.

Les faux billets et le blanchiment d’argent :

10 july 2008

In a grave conspiracy against the Iraqi economy, Minister of Finance Bayan Jabr Solagh exploited his position and influence over the Iraqi Central Bank by exchanging billions of dinars in counterfeit Iraqi currency with American dollars. … The details, which were leaked from within the corridors of the Ministry of Finance, are that the Supreme Islamic Iraqi Council [Iraq’s most powerful political party] had for a time transported by truck, large sums of counterfeit Iraqi currency printed in Iran into Iraq, to the Iraqi Ministry of Trade, and that this counterfeit currency was then replaced with American dollars.”


Mohammad Karim
Confirmed that the Central Bank of Iraq launched by the recent warnings regarding the presence of large quantities of counterfeit currency in Iraqi dinars and U.S. dollars are currently traded in the domestic market « does not reflect the emergency situation experienced by the Iraqi economy, » as the image of some media reports during the past two days.

The bank adviser appearance of Mohammed Saleh told private Radio Free Iraq that the World Bank as the country’s top monetary indicates the continued presence of large quantities of counterfeit currency rates that are « care should be taken » of the total money supply in the general bank and the public.
He noted the benefit that the central bank to « deal firmly » with the banks in this regard as « clients » and provides the security of working against economic crime, including information that has as part of its ongoing cooperation with those authorities.

At the time when the central bank adviser to favor the appearance that the crime of counterfeiting currency is synonymous with and complementary to the crime of money laundering, he explained
Legal expert black Almnhdi that the Iraqi legislature « sign jail for 10 years minimum against the perpetrators of counterfeit currency can be up to the end of the death penalty. »

For his part, warned an economist Salem Jibouri of the negative effects left by the counterfeiting of currency and circulation in the local market on the Iraqi economy in general « as it loses the local traders and foreigners alike confidence in the local currency means lower rate of trade exchange which does not result in the end only to a rise in the rates of inflation are difficult to treat.

Le passage à des nouveaux billets, déjà!

Aswat al-Iraq: The Economic Advisor of Iraq’s Prime Minister, Nouri al-Maliki, has described the plan of the Central Bank of Iraq (CBI) to change the Iraqi currency as “the worst corruption and money-laundering process in the history of Iraq.”

“The CBI must understand that it is playing with fire and undermining the course of the consumers, producers and the economic changes in the country,” Abdul-Hussein al-Anbaky told Aswat al-Iraq news agency on Sunday, adding that the said step was taking place “at a time when the Iraqi economy was suffering from instability and chaos.”

Anbaky’s statement was issued after one day had passed on an announcement by the Central Bank of Iraq of its intention to cancel the zeros from the Iraqi currency and to change it, in order to ease out the current inflation, and to encourage citizens to use their own currency, instead of depending on the US dollar.

“The changing of the currency shall be the greatest corruption process in the history of Iraq, because the currency counterfeiting Mafias are ready to change the counterfeited currency with the new currency,” Anbaky said, adding that “the money-laundering merchants would come with trillions of dinars to change them.”

Anbaky, at his position as the government’s economic advisor, had called on the Economic Committee of the Council of Ministers “not to respond to the draft-law for changing the Iraqi currency, raised by the CBI to the Council for ratification.”