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S. Hrg. 10784

 

ROLE OF U.S. CORRESPONDENT BANKING IN INTERNATIONAL MONEY LAUNDERING

HEARINGS

BEFORE THE

PERMANENT SUBCOMMITTEE ON INVESTIGATIONS

OF THE

COMMITTEE ON GOVERNMENTAL AFFAIRS UNITED STATES SENATE

ONE HUNDRED SEVENTH CONGRESS

FIRST SESSION

MARCH 1, 2, AND 6, 2001

VOLUME 4 OF 5

Printed for the use of the Committee on Governmental Affairs

73781 DTP

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U.S. GOVERNMENT PRINTING OFFICE

WASHINGTON : 2001

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COMMITTEE ON GOVERNMENTAL AFFAIRS

FRED THOMPSON, Tennessee, Chairman JOSEPH I. LIEBERMAN, Connecticut, Ranking Democrat

TED STEVENS, Alaska SUSAN M. COLLINS, Maine GEORGE V. VOINOVICH, Ohio PETE V. DOMENICI, New Mexico THAD COCHRAN, Mississippi JUDD GREGG, New Hampshire ROBERT F. BENNETT, Utah

CARL LEVIN, Michigan DANIEL K. AKAKA, Hawaii RICHARD J. DURBIN, Illinois ROBERT G. TORRICELLI, New Jersey MAX CLELAND, Georgia THOMAS R. CARPER, Delaware JEAN CARNAHAN, Missouri

HANNAH S. SISTARE, Staff Director and Counsel JOYCE A. RECHTSCHAFFEN, Democratic Staff Director and Counsel DARLA D. CASSELL, Chief Clerk

PERMANENT SUBCOMMITTEE ON INVESTIGATIONS

SUSAN M. COLLINS, Maine, Chairman CARL LEVIN, Michigan, Ranking Democrat DANIEL K. AKAKA, Hawaii

TED STEVENS, Alaska

GEORGE V. VOINOVICH, Ohio PETE V. DOMENICI, New Mexico THAD COCHRAN, Mississippi JUDD GREGG, New Hampshire ROBERT F. BENNETT, Utah

RICHARD J. DURBIN, Illinois ROBERT G. TORRICELLI, New Jersey MAX CLELAND, Georgia THOMAS R. CARPER, Delaware JEAN CARNAHAN, Missouri

CHRISTOPHER A. FORD, Chief Counsel and Staff Director LINDA J. GUSTITUS, Democratic Chief Counsel and Staff Director ELISE J. BEAN, Democratic Deputy Chief Counsel ROBERT L. ROACH, Democratic Counsel and Chief Investigator MARY D. ROBERTSON, Chief Clerk

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III

 

Page

C O N T E N T S

Opening statements:

Page

Senator Collins

Senator Levin

1, 51, 101 4, 53, 102

Senator Carnahan

9

WITNESSES

THURSDAY, MARCH 1, 2001

John M. Mathewson, former owner of Guardian Bank and Trust (Cayman) Ltd., accompanied by Oscar C. Gonzalez, James C. Christie, Senior Vice President, Global Treasury Risk Management, Bank of America, Oakland, California David A. Weisbrod, Senior Vice President, Treasury Services Division, The Chase Manhattan Bank, New York, New York

10

22

27

FRIDAY, MARCH 2, 2001

Jack A. Blum, Partner, Lobel, Novins and Lamont, Washington, DC Anne Vitale, former Managing Director and Deputy General Counsel, Repub- lic National Bank of New York, and Current Special Litigation Counsel, HSBC USA, Inc., New York, New York Robb Evans, Managing Partner, Robb Evans and Associates, Sun Valley, California Jorge A. Bermudez, Executive Vice President and Head of e-Business, Citibank, N.A., New York, New York Carlos Fedrigotti, President and Country Corporate Officer for Citibank Ar- gentina, Buenos Aires, Argentina Martin Lopez, Vice President and Citibank Corporate Bank Head, Republic of South Africa

57

60

62

75

78

80

TUESDAY, MARCH 6, 2001

Arthur O. Jacques, Esquire, Jacques Little Barristers and Solicitors, Toronto, Ontario, Canada Joseph M. Myers, Acting Deputy Assistant Secretary (Enforcement Policy), U.S. Department of the Treasury, Washington, DC Mary Lee Warren, Deputy Assistant Attorney General, Criminal Division, U.S. Department of Justice, Washington, DC

105

117

120

ALPHABICAL LIST OF WITNESSES

Bermudez, Jorge A.:

Testimony Prepared statement with attachments Blum, Jack A.:

Testimony Prepared statement Christie, James C.:

Testimony Prepared statement Evans, Robb:

Testimony Prepared statement Fedrigotti, Carlos:

Testimony Prepared statement Jacques, Arthur O.:

Testimony Prepared statement with attachments Lopez, Martin:

Testimony Prepared statement Mathewson, John M.:

75

180

57

162

22

143

62

172

78

223

105

241

80

233

Testimony

10

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IV

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Mathewson, John M.Continued Prepared statement Myers, Joseph M.:

139

Testimony

Testimony

Testimony

117

Prepared statement

250

Vitale, Anne:

60

Prepared statement

168

Warren, Mary Lee:

120

Prepared statement Weisbrod, David A.:

256

Testimony

27

Prepared statement

156

APPENDIX

‘‘Correspondent Banking: A Gateway to Money Laundering,’’ report by the Minority Staff Report of the Permanent Subcommittee on Investigations (see contents for report on page 274)

273

EXHIBITS

* May be found in the files of the Subcommittee

Page

1.

Diagrams on correspondent banking

692

2.

American International Bank marketing documents

694

3.

Three nested banks at American International Bank

697

4.

Bank of America call memo on American International Bank

698

5.

American International Banks correspondent account history

699

6.

Internet gambling advertisement naming Bank of America

700

7.

Fortuna Alliance deposits into Swiss American Bank account at Chase Manhattan

702

8.

Chase Manhattan Bank e-mail of 9/10/99 concerning Swiss American/ Antigua Bank

703

9.

Chase Manhattan Bank e-mail of 8/5/98 regarding Swiss American Bank .

706

10.

Chase Manhattan Bank memo of 11/17/98 regarding Swiss American Bank

707

11.

Frauds through Swiss American Bank/Swiss American National Bank

708

12.

Chase Manhattan Bank e-mail of 12/6/99 regarding Swiss American Bank

709

13.

Internet gambling advertisements naming Chase Manhattan Bank

710

14.

Chase Manhattan Bank e-mail of 3/19/93 regarding Swiss American Bank

718

15.

Citibank summary of M.A. Bank seizure

719

16.

Letter of 9/29/00 from Citibank counsel to the Permanent Subcommittee on Investigations regarding M.A.

721

17.

Seizure Warrant of 5/14/98 regarding M.A. Bank

725

18.

Subpoena to Citibank New York dated 5/18/98 regarding M.A. Casa de Cambio

727

19.

Example of an M.A. Bank withdrawal slip

731

20.

Citibank e-mail of 12/3/99 regarding anti-money laundering procedures

732

21.

Letter of 9/29/00 from Citibank counsel to the Permanent Subcommittee on Investigations regarding correspondent banking policy

734

22.

Report of Citigroup Anti-Money Laundering Unit

740

23.

Schedule of wire transfers through Citibank New York and American Exchange Company

742

24.

Monthly statements of Citibank New York correspondent accounts for Banco Republica, American Exchange Company, and Federal Bank

743

25.

Ownership diagram of Grupo Moneta

749

26.

Excerpts from Citibank documents regarding relationship with Grupo Moneta

751

27.

Citibank and Central Bank of Argentina documents regarding the anti- money laundering program of Federal Bank

752

28.

Excerpt from Resolution No. 395/96 of the Central Bank of Argentina

754

29.

Excerpt from Citibank memo regarding ownership of Federal Bank

756

30.

Citibank account opening steps

757

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31. Excerpts regarding Citibanks policy on opening accounts for offshore shell banks

758

32. Series of letters exchanged between the Central Bank of Argentina and Citibank Argentina regarding ownership of Federal Bank

760

33. British Trade and Commerce Bank certificates of deposit

782

34. British Trade and Commerce Bank documents

784

35. Internet advertisements for offshore shell banks

789

36. Treasury Regulations on Suspicious Activity Reports

804

37. 1997 Citibank memo regarding Grupo Moneta

805

38. Bank of America and Chase Manhattan Bank comments on Swiss Amer- ican Bank

807

39. Chase Manhattan Bank e-mail of 10/12/95 regarding Swiss American Bank

809

40. Chase Manhattan Bank call memo of 1/23/96 regarding AIB

810

41. Chase Manhattan Bank e-mail of 9/9/99 regarding Swiss American Bank .

812

42. Bank of America call memo of 9/4/92 regarding Swiss American Bank

813

43. Letter of 3/12/97 from Chase Manhattan Bank to AIB regarding account closing

814

44. Chart entitled ‘‘Gateway to U.S. Banks’’

815

45. Summary of Gold Chance Fraud prepared by the Minority Staff of the Permanent Subcommittee on Investigations, March 6, 2001

816

46. Guardian Bank and Trust Visa Card produced by John Mathewson at the March 1, 2001, Permanent Subcommittee on Investigations hearing

823

47. Permanent Subcommittee on Investigationsstaff rendition of a chart entitled ‘‘$3 Million Deposit of Gold Chance Funds Depleted in Wire Transfers By British Trade & Commerce Bank to 33 Bank Accounts in 45 Days, December 1999-January 2000’’ included in the testimony of Arthur Jacques before the Subcommittee on March 6, 2001

824

48. Supplemental remarks of Jorge Bermudez

825

49. Supplemental remarks of Carlos Fedrigotti

827

50. Supplemental questions and answers of the U.S. Department of Justice

829

51. Supplemental questions and answers of U.S. Department of the Treasury 855

52. Supplemental questions and answers of Citibank

863

53. Supplemental questions and answers of Bank of America

867

54. Supplemental questions and answers of J.P. Morgan Chase

868

55. Documents from foreign governments relevant to the Permanent Sub-

committee on Investigations staff report or hearings on money laun- dering:

a. Government of Antigua and Barbuda letter dated July 14, 2000

871

b. Jersey Financial Services Commission letter dated March 13, 2001

874

c. Guernsey Financial Services Commission letter dated March 15, 2001 .

876

d. Government of Anguilla Statement of Facts

879

e. Press articles on new shell bank prohibitions in the Bahamas and Cayman Islands

883

VOLUME 2

56. Documents related to American International Bank, Caribbean American Bank or Overseas Development Bank and Trust Company (Case Studies No. 13):

a. American International Bank general documents

885

b. Ford/Forum documents

950

c. Mark Harris bank documents

998

d. Carribean American Bank documents

1024

e. Bank of America documents

1196

f. Toronto Dominion Bank (New York) documents

1225

g. Chase Manhattan Bank documents

1234

h. Popular Bank of Florida (now BAC Florida Bank) documents

1249

i. Overseas Development Bank and Trust documents

1297

j. First National Bank of Commerce (now Bank One Corporation) docu- ments

1449

k. AmTrade International Bank documents

1481

57. Documents related to British Trade and Commerce Bank (Case Study No. 4):

a. British Trade and Commerce Bank (BTCB) general documents

1493

b. BTCB financial documents

1604

c. BTCB management and employee documents

1729

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VOLUME 3

Page

d. BTCB high yield investment program documents

1823

e. Internet gambling documents

1842

f. Banco Industrial de Venezuela documents

1908

g. Security Bank documents

1989

h. First Union National Bank documents

2027

i. Koop fraud documents

2099

j. Cook fraud documents

2238

k. Gold Chance fraud documents

2287

l. $10 million CD interpleader documents

2484

m. Miscellaneous documents relating to BTCB:

 

1. KPJ Trust/Tiong documents

2621

2. Brett/Bailett documents

2670

3. Vector Medical Technology documents

2682

n. Permanent Subcommittee on Investigation Deposition of John G. Long IV, February 26, 2001

*

o. SEALED EXHIBIT: Suspicious Activity Reports

*

 

VOLUME 4

58. Documents related to Hanover Bank (Case Study No. 5):

 

a. Hanover Bank general documents

2789

b. Harris Bank International and Standard Bank Jersey Ltd. documents

2857

c. Clerical Medical documents

2907

d. Eric Rawle Samuel documents

2919

e. Koop fraud documents

2943

f. Casio Computer fraud documents

2984

g. FSA investigation documents

3016

h. Unanswered information request to Richard ODell Poulden

3043

59. Documents related to British Bank of Latin America (Case Study No.

6):

a.

British Bank of Latin America general documents

3049

b.

Bank of New York documents

3100

c.

1999 and 2000 National Money Laundering Strategy excerpts

3127

d.

Operation Casablanca and Operation Juno documents

3138

e.

SEALED EXHIBIT: Proprietary information on British Bank of Latin America

60. Documents related to European Bank (Case Study No. 7):

*

a. European Bank general documents

3182

b. Citibank documents

3219

c. Taves fraud documents

3319

d. Benford account documents

3435

e. Internet Processing Corp. account documents

3627

f. Nest Bank documents

3682

 

VOLUME 5

61. Documents related to Swiss American Bank and Swiss American Na- tional Bank (Case Study No. 8):

 

a. Swiss American Bank and Swiss American National Bank general documents

3703

b. Bank Ownership

3715

c. Bank Leadership

3735

d. Fitzgerald case documents

3814

e. Gherman fraud documents

3931

f. Debella fraud documents

3957

g. Fortuna Alliance fraud documents

4035

h. Documents related to other frauds or questionable accounts

4083

i. Bank of New York documents

4122

j. Bank of America documents

4175

k. Chase Manhattan Bank documents

4222

l. InterSafe Global documents

4269

m. Documents related to Peter Herrington

4282

62. Documents related to M.A. Bank (Case Study No. 9):

a. M.A. Bank general documents

4391

b. Permanent Subcommittee on Investigations correspondence with M.A. Bank representatives

4411

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c. Permanent Subcommittee on Investigations correspondence with M.A. Bank agents in Uruguay

4422

d. Court filings and U.S. Department of Justice correspondence

4434

e. M.A. Bank documents related to Mr. DiTullio

4474

f. U.S. Customs records of interviews

4477

g. Permanent Subcommittee on Investigations correspondence with Citibank

4501

h. Citibank documents related to M.A. Bank

4504

63. Documents related to Federal Bank (Case Study No. 10):

a. Central Bank of the Bahamas documents

4585

b. CEI related documents

4617

c. Account opening and closing documents

4629

d. Resolution No. 395 of the Central Bank of Argentina

4647

e. Analyses of Banco Republica, Federal Bank and other Grupo Moneta entities in Citibank files

4665

f. Excerpts from the audits of Banco Republica by the Central Bank

of Argentina

4793

64. Koop Fraud documents related to Overseas Development Bank and Trust, British Trade and Commerce Bank, and Hanover Bank

4835

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