美国商品期货交易委员会 (CFTC) 责令瑞银金融服务公司 (UBS Financial Services Inc.) 赔偿 800 万美元，因为监管失误影响了其反洗钱交易监控系统

美国商品期货交易委员会 (CFTC) 责令瑞银金融服务公司 (UBS Financial Services Inc.) 赔偿 800 万美元，因为监管失误影响了其反洗钱交易监控系统美国商品期货交易委员会
版本号 9277-26
美国商品期货交易委员会 (CFTC) 责令瑞银金融服务公司 (UBS Financial Services Inc.) 赔偿 800 万美元，因为监管失误影响了其反洗钱交易监控系统
2026 年 8 月 3 日
华盛顿——商品期货交易委员会今天宣布对注册期货佣金商瑞银金融服务公司 (UBS Financial Services Inc.) 提起诉讼并达成和解，因为该公司未能认真监督其外币电汇反洗钱交易监控系统的配置和运行。
根据该命令，UBS FSI 必须支付 800 万美元的民事罚款，并停止进一步违反《商品交易法》和 CFTC 法规的行为。 CFTC 认可 UBS FSI 就此事的补救措施所做的陈述。
该命令发现，从 2019 年 1 月到 2023 年 6 月，由于瑞银金融服务机构 (UBS FSI) 的相关监控工具配置和数据治理实践存在缺陷，通过该公司持有的零售客户商品账户发送或接收的数千笔外汇电汇要么没有得到充分监控，要么在反洗钱合规性交易监控中被忽略。在相关期间的部分时间里，UBS FSI 使用手动生成的报告，该报告未能捕获所有相关的外汇电汇进行监控，并且无法识别外汇电汇交易中的可疑活动模式。瑞银金融服务机构 (UBS FSI) 意识到这些漏洞，因为它们是其他政府机构和自律组织先前执行程序的对象。 2021 年，UBS FSI 转而使用自动化系统来监控所有电汇交易是否存在可疑活动。然而，UBS FSI 未能正确配置流入新系统的数据，导致出现影响其可疑活动监控功能有效性的问题。
今天，美国财政部金融犯罪执法网络、证券交易委员会和金融业监管局宣布，他们也对瑞银金融服务公司提起了相关诉讼并达成和解。
CFTC 感谢 FinCEN、SEC 和 FINRA 的协助。
-CFTC-

CFTC Orders UBS Financial Services Inc. to Pay $8 Million for Supervision Failures Impacting Its AML Transaction Monitoring Systems | CFTC
Release Number 9277-26
CFTC Orders UBS Financial Services Inc. to Pay $8 Million for Supervision Failures Impacting Its AML Transaction Monitoring Systems
August 03, 2026
WASHINGTON — The Commodity Futures Trading Commission today announced an order filing and settling charges against UBS Financial Services Inc., a registered futures commission merchant, for failing to diligently supervise the configuration and operation of its anti-money laundering transaction monitoring systems for wire transfers denominated in foreign currencies (FX).
Under the order, UBS FSI must pay an $8 million civil monetary penalty and cease and desist from further violations of the Commodity Exchange Act and CFTC regulations. The CFTC recognizes UBS FSI’s representations concerning its remediation in connection with this matter.
The order finds from January 2019 through June 2023, due to deficiencies in UBS FSI’s configuration of the relevant surveillance tools and data governance practices, thousands of FX wires sent or received through retail customer commodity accounts the firm held were either insufficiently monitored or omitted from transaction monitoring for AML compliance. For part of the relevant period, UBS FSI used a manually generated report that failed to capture all relevant FX wires for monitoring and was not tailored to identify patterns of suspicious activity in FX wire transactions. UBS FSI was aware of these vulnerabilities because they were the subject of prior enforcement proceedings by other government agencies and a self-regulatory organization. In 2021, UBS FSI transitioned to using an automated system to monitor all wire transactions for suspicious activity. UBS FSI, however, failed to properly configure the data flowing into the new system, causing issues that impacted the efficacy of its suspicious activity monitoring function.
Today the Financial Crimes Enforcement Network of the U.S. Department of the Treasury, the Securities and Exchange Commission, and the Financial Industry Regulatory Authority announced they also filed and settled related actions against UBS FSI.
The CFTC thanks FinCEN, the SEC, and FINRA for their assistance.
-CFTC-