{"id":"court_sdny_208_2","court":"SDNY","case_no":"23-cr-00118","doc_number":208,"sub_number":2,"doc_type":"UNKNOWN","filed_date":"2023-12-21","title":" laya Exchange","summary_zh":"合规程序演示文件 —— 喜马拉雅交易所提交于2023年12月21日。阐述该交易所的客户注册与合规流程，包括了解你的客户(KYC)、身份验证、风险评估、制裁与不利舆情筛查等程序。","summary_en":"Compliance Process Demonstration — Himalaya Exchange submission dated December 21, 2023. Describes the exchange's customer registration and compliance procedures, including Know Your Customer (KYC), identity verification, risk assessment, and sanctions/adverse media screening protocols.","body_en":"\n\nlaya Exchange\n\n25-01-00:10:11\nalaya Dollar\n\nS Page 1 of\nport Login\n\ngister d\n\nIn Just A Few Taps,\nYOU CAN BUY\nHimalaya Coin & Himalaya Dollar.\n\n#### **Demonstration of the**\n\n# Client Onboarding and Compliance Process\n\n\n\n\n\n\n\nHere at Himalaya Exchange, we are committed to protect our customers and crypto community.\n\nHimalaya Exchange aims to set the crypto industry standard for Know Your Customers.\n\nOur compliance teams are located in United Kingdom and Australia and provide compliance services to the group.\n\nMost of our compliance team members have more than 5 years compliance experience in leading international banks and crypto companies.\n\n#### Our Team Our CDD Process\n\n- **Customer Registration Process**\n- **Identification and Verification**\n- **Name Screening**\n- **Risk Assessment**\n- **Auto Approval, Auto Rejection and Manual Risk Review**\n- **Ongoing Due Diligence**\n\nHIMALAYA EXCHANGE.\n\n\n\n### Customer Registration Process (Individual)\n\n\n\n\n\n- Create Username\n- Customer Info\n- (Name, DOB )\n- Residence and citizenship.\n- **Security Questions Setup**\n- Create Security Questions\n- Security Questions add an extra layer of customer protection to the authentication process.\n- **Email & SMS Verification**\n- Send One Time Password (OTP) to both registered email address and phone number to authorise the account creation\n\n**KYC Questionnaire**\n\nKYC Questionnaire for\n\n**Document and**\n\n- **Facial Verification**\n- ID Document submission\n- AI verification on the customer's identity and biometric information (facial recognition).\n- customer to provide customer profiles. Provides the basis for initial Financial Crime Risk Rating.\n\t- Risk Based Approach for further verification e.g. bank statements / SoW / SoF.\n\n\n\n\n\n### Customer Registration Process (Corporate)\n\n**Company Appointed Representative**\n\n- Appointed Representative registers an account with email address, password.\n- Same registration process as Individual including Security Questions setup.\n\n**Acceptable Customer Type**\n\n- Based on the result of the Business Risk Analysis, Himalaya Exchange only accepts the following legal entities:\n\t- Personal Investment\n\t- Companies (PIC)\n\t- Corporate and Partnerships\n\t- Trusts\n\t- Funds\n\n**Document Check List**\n\n- Due Diligence is conducted on the corporate entity.\n- Key documents to verify the ultimate ownership structure and legal status like:\n\t- Certificate of Incumbency\n\t- Board Resolution\n\t- Organisation Chart, etc .\n\n#### **Manual Review (EDD)**\n\n- Every Corporate customers undergoes EDD regardless of their initial Financial Crime Risk Rating.\n- In addition to the main party (the legal entity), the connected parties have to go through complete KYC process and provide POA. For example, UBO with 10% or above ownership, Directors, Authorised Representative. For Trust - Settlor, Protector, Beneficiary, etc.\n- For merchant account, an extra duediligence process will be adopted due to the high risk nature.\n\n\n\n\n\n## Identification and Verification (ID&V) , Screening\n\n- **Identification and Verification.** Customer provides name, address and relevant data from our secured online portal. Customer's identity is verified against the government issued ID card. AI powered facial recognition is used to ensure the picture in ID matches selfie picture.\n- **Proof of Address.** Customer address is manually verified against the bank statement, government ID, and utility bills\n- **Name Screening** is performed against PEP (Politically Exposed Person), Sanctions, Adverse Media to fully compliant with AML regulations.\n\n\n\nID Proofing Check\n\nIs the ID document authentic and valid?\n\n\n\nSimilarity Check\n\nIs the person holding the ID\nthe same person shown in\nthe ID photo?\n\n\n\nLiveness Check\n\nIs the person physically present the transaction\n\n\n\nDefinitive Answer\n\nJumio Identity Verification delivers a definitive yes or no answer in seconds.\n\nAssessment\n\nApproval and Escalation\n\nOn Going Monitoring\n\nRegistration ID&V Screening Risk\n\nCustomer\n\n\n\n# Business Risk\n\n| Risk Identified | Description | Controls in Place | Reflected in Customer Risk Model |\n|-----------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------|\n| Product Risk | • Crypto Exchange
• Payment App
• Merchant | • Identification, verification, full KYC data required for all users | • Expected deposit level |\n| Customer Type Risk | Individual Customers
• Individuals across the globe
• High Net Worth Individuals
• PEPs
Corporate Customers
• Personal Holding Companies
• Trusts
• Funds
• Investment Vehicles
• Complex Structures | • Identification, verification, full KYC data required for all users
• Name Screening against sanctions, PEP, adverse media
• Enhanced due diligence for higher risk customers (verification of employment, source of funds) | • Risk factors include employment, business sectors
• Additional risk loading for customer for investment vehicles and complex structures. |\n| Delivery Channel Risk | Non-Face-to-Face | • Jumio – Biometric verification against ID photo and selfie taken during onboarding | |\n| Geographical Risk | Clients with linkage to countries subject to:
• Sanctions
• AML deficiencies listed by FATF
• High level of corruption | • Certain countries prohibited from registration
• Risk level assigned to each country according to recognised global organisations (e.g. FATF countries, Transparency International) and regularly updated country risk score based on Corruption Perceptions Index (CPI) | • Residence country, citizenship, expected country of origin of funds |\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n# 1.25C-00118K1\n\nHimalaya Dollar\n\nRegister\n\nClient Onboarding and Compliance Process\n\n**Demonstration of the**\n\n\n\nIn Just A Few Taps,\nYOU CAN BUY\nHimalaya Coin & Himalaya Dollar.\n\n# Building Resilience for Canada's Main Aim in Cyber Security Landscape\n\n\n\nborderless, inclusive and secure.\n\n\n\n","body_zh":"[图片：_page_0_Picture_0.jpeg]\n\nHimalaya Exchange（喜马拉雅交易所）\n\n25-01-00:10:11\nHimalaya Dollar（喜美元）\n\n第 1 页，共\n支持 登录\n\n注册\n\n只需轻点几下，\n您即可购买\nHimalaya Coin（喜币）与 Himalaya Dollar（喜美元）。\n\n演示\n\n客户准入与合规流程\n\n[图片：_page_0_Picture_10.jpeg]\n\n[图表：_page_0_Figure_11.jpeg]\n\n[图片：_page_1_Picture_0.jpeg]\n\n在 Himalaya Exchange（喜马拉雅交易所），我们致力于保护我们的客户和加密货币社区。\n\n喜马拉雅交易所旨在树立加密货币行业了解你的客户（KYC）标准。\n\n我们的合规团队位于 United Kingdom（英国）和 Australia（澳大利亚），并为集团提供合规服务。\n\n我们合规团队的大多数成员在领先的国际银行和加密货币公司拥有 5 年以上的合规经验。\n\n我们的团队 我们的客户尽职调查（CDD）流程\n\n- 客户注册流程\n- 身份识别与核实\n- 姓名筛查\n- 风险评估\n- 自动批准、自动拒绝与人工风险审核\n- 持续尽职调查\n\nHIMALAYA EXCHANGE（喜马拉雅交易所）。\n\n[图表：_page_2_Figure_2.jpeg]\n\n客户注册流程（个人）\n\n[图表：_page_2_Figure_4.jpeg]\n\n[图表：_page_2_Figure_5.jpeg]\n\n- 创建用户名\n- 客户信息\n- （姓名、出生日期）\n- 居住地与国籍。\n- 安全问题设置\n- 创建安全问题\n- 安全问题为身份验证流程增加了额外的客户保护层。\n- 电子邮件与短信验证\n- 向注册的电子邮件地址和电话号码发送一次性密码（OTP）以授权账户创建\n\n了解你的客户（KYC）问卷\n\n用于\n\n文件与\n\n- 人脸核验\n- 提交身份证件\n- 对客户身份和生物识别信息（人脸识别）进行人工智能核验。\n- 客户提供客户档案。为初始金融犯罪风险评级提供基础。\n\t- 采用基于风险的方法进行进一步核验，例如银行对账单 / 财富来源（SoW）/ 资金来源（SoF）。\n\n[图片：_page_3_Picture_0.jpeg]\n\n[图表：_page_3_Figure_2.jpeg]\n\n客户注册流程（企业）\n\n公司指定代表\n\n- 指定代表使用电子邮件地址、密码注册账户。\n- 注册流程与个人相同，包括安全问题设置。\n\n可接受的客户类型\n\n- 根据业务风险分析的结果，喜马拉雅交易所仅接受以下法律实体：\n\t- 个人投资公司（PIC）\n\t- 公司与合伙企业\n\t- 信托\n\t- 基金\n\n文件清单\n\n- 对企业实体开展尽职调查。\n- 用于核实最终所有权结构和法律地位的关键文件，例如：\n\t- 在职证明书\n\t- 董事会决议\n\t- 组织架构图等。\n\n人工审核（强化尽职调查，EDD）\n\n- 无论初始金融犯罪风险评级如何，每位企业客户都必须接受强化尽职调查（EDD）。\n- 除主体方（法律实体）外，关联方也必须完成全部 KYC 流程并提供授权委托书（POA）。例如，持股 10% 或以上的最终实益拥有人（UBO）、董事、授权代表。对于信托——委托人、保护人、受益人等。\n- 对于商户账户，由于其高风险性质，将采取额外的尽职调查流程。\n\n[图片：_page_4_Picture_0.jpeg]\n\n[图表：_page_4_Figure_2.jpeg]\n\n身份识别与核实（ID&V）、筛查\n\n- 身份识别与核实。客户通过我们安全的在线门户提供姓名、地址和相关数据。客户的身份通过政府签发的身份证件进行核对。使用人工智能人脸识别技术确保身份证件上的照片与自拍照片一致。\n- 地址证明。客户地址通过银行对账单、政府身份证件和公用事业账单进行人工核验。\n- 姓名筛查。针对政治公众人物（PEP）、制裁名单、不良媒体信息开展姓名筛查，以完全符合反洗钱（AML）法规。\n\n[图片：_page_4_Picture_7.jpeg]\n\n身份证件防伪检查\n\n身份证件是否真实有效？\n\n[图片：_page_4_Picture_10.jpeg]\n\n相似度检查\n\n持有身份证件的人\n是否与身份证件照片中的\n是同一个人？\n\n[图片：_page_4_Picture_13.jpeg]\n\n活体检测\n\n该人是否亲自在场进行交易\n\n[图片：_page_4_Picture_16.jpeg]\n\n明确结论\n\nJumio 身份验证可在数秒内得出明确的是或否结论。\n\n评估\n\n批准与上报\n\n持续监控\n\n注册 身份识别与核实 筛查 风险\n\n客户\n\n[图片：_page_5_Picture_1.jpeg]\n\n业务风险\n\n识别的风险：产品风险\n描述：• 加密货币交易所 • 支付应用程序 • 商户\n现有的控制措施：• 所有用户均需提供身份识别、核实以及完整的 KYC 数据\n在客户风险模型中的体现：• 预期存款水平\n\n识别的风险：客户类型风险\n描述：个人客户：• 全球各地的个人 • 高净值个人 • 政治公众人物（PEP）；企业客户：• 个人控股公司 • 信托 • 基金 • 投资载体 • 复杂结构\n现有的控制措施：• 所有用户均需提供身份识别、核实以及完整的 KYC 数据 • 针对制裁、PEP、不良媒体信息进行姓名筛查 • 对高风险客户开展强化尽职调查（雇佣情况核实、资金来源核实）\n在客户风险模型中的体现：• 风险因素包括雇佣情况、行业领域 • 对涉及投资载体和复杂结构的客户追加风险权重。\n\n识别的风险：交付渠道风险\n描述：非面对面\n现有的控制措施：• Jumio —— 准入期间针对身份证件照片与现场自拍进行生物识别核验\n在客户风险模型中的体现：\n\n识别的风险：地域风险\n描述：与受以下情况约束的国家/地区存在关联的客户：• 制裁 • 金融行动特别工作组（FATF）列出的反洗钱缺陷 • 高腐败水平\n现有的控制措施：• 禁止特定国家/地区注册 • 根据公认的国际组织（如 FATF 成员国、Transparency International（透明国际））为每个国家/地区分配风险等级，并根据清廉指数（CPI）定期更新国家风险评分\n在客户风险模型中的体现：• 居住国、国籍、预期的资金来源国\n\n[图片：_page_6_Picture_0.jpeg]\n\n[图表：_page_6_Figure_2.jpeg]\n\n[图片：_page_7_Picture_1.jpeg]\n\n[图表：_page_7_Figure_2.jpeg]\n\n[图片：_page_8_Picture_0.jpeg]\n\n[图表：_page_8_Figure_2.jpeg]\n\n[图片：_page_9_Picture_0.jpeg]\n\n[图片：_page_9_Picture_1.jpeg]\n\n1.25C-00118K1\n\n喜美元\n\n注册\n\n客户准入与合规流程\n\n演示\n\n[图片：_page_9_Picture_6.jpeg]\n\n只需轻点几下，\n您即可购买\n喜币与喜美元。\n\n在网络安全格局中建立韧性是 Canada（加拿大）的主要目标\n\n[图片：_page_9_Picture_9.jpeg]\n\n无国界、包容且安全。\n\n[图片：_page_9_Picture_13.jpeg]\n\n[图表：_page_9_Figure_14.jpeg]","key_entities":["Himalaya","Himalaya Exchange","Je"],"ecf_references":[],"word_count":860,"status":"published","published_at":"2023-12-21 00:00:00","created_at":"2023-12-21","updated_at":"2026-08-23 07:26:42"}