[Senate Hearing 107-84]
[From the U.S. Government Publishing Office]




                                                         S. Hrg. 107-84
 
  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 3 OF 5

                               __________

      Printed for the use of the Committee on Governmental Affairs



                    U.S. GOVERNMENT PRINTING OFFICE
73-780 DTP                  WASHINGTON : 2001
_______________________________________________________________________
For sale by the Superintendent of Documents, Congressional Sales Office
         U.S. Government Printing Office, Washington, DC 20402




                   COMMITTEE ON GOVERNMENTAL AFFAIRS

                   FRED THOMPSON, Tennessee, Chairman
           JOSEPH I. LIEBERMAN, Connecticut, Ranking Democrat
TED STEVENS, Alaska                  CARL LEVIN, Michigan
SUSAN M. COLLINS, Maine              DANIEL K. AKAKA, Hawaii
GEORGE V. VOINOVICH, Ohio            RICHARD J. DURBIN, Illinois
PETE V. DOMENICI, New Mexico         ROBERT G. TORRICELLI, New Jersey
THAD COCHRAN, Mississippi            MAX CLELAND, Georgia
JUDD GREGG, New Hampshire            THOMAS R. CARPER, Delaware
ROBERT F. BENNETT, Utah              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
TED STEVENS, Alaska                  DANIEL K. AKAKA, Hawaii
GEORGE V. VOINOVICH, Ohio            RICHARD J. DURBIN, Illinois
PETE V. DOMENICI, New Mexico         ROBERT G. TORRICELLI, New Jersey
THAD COCHRAN, Mississippi            MAX CLELAND, Georgia
JUDD GREGG, New Hampshire            THOMAS R. CARPER, Delaware
ROBERT F. BENNETT, Utah              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




                            C O N T E N T S

                                 ------                                
Opening statements:
                                                                   Page
    Senator Collins......................................... 1, 51, 101
    Senator Levin........................................... 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, Esq...........    10
James C. Christie, Senior Vice President, Global Treasury Risk 
  Management, Bank of America, Oakland, California...............    22
David A. Weisbrod, Senior Vice President, Treasury Services 
  Division, The Chase Manhattan Bank, New York, New York.........    27

                         Friday, March 2, 2001

Jack A. Blum, Partner, Lobel, Novins and Lamont, Washington, DC..    57
Anne Vitale, former Managing Director and Deputy General Counsel, 
  Republic National Bank of New York, and Current Special 
  Litigation Counsel, HSBC USA, Inc., New York, New York.........    60
Robb Evans, Managing Partner, Robb Evans and Associates, Sun 
  Valley, California.............................................    62
Jorge A. Bermudez, Executive Vice President and Head of e-
  Business, Citibank, N.A., New York, New York...................    75
Carlos Fedrigotti, President and Country Corporate Officer for 
  Citibank Argentina, Buenos Aires, Argentina....................    78
Martin Lopez, Vice President and Citibank Corporate Bank Head, 
  Republic of South Africa.......................................    80

                         Tuesday, March 6, 2001

Arthur O. Jacques, Esquire, Jacques Little Barristers and 
  Solicitors, Toronto, Ontario, Canada...........................   105
Joseph M. Myers, Acting Deputy Assistant Secretary (Enforcement 
  Policy), U.S. Department of the Treasury, Washington, DC.......   117
Mary Lee Warren, Deputy Assistant Attorney General, Criminal 
  Division, U.S. Department of Justice, Washington, DC...........   120

                      Alphabical List of Witnesses

Bermudez, Jorge A.:
    Testimony....................................................    75
    Prepared statement with attachments..........................   180
Blum, Jack A.:
    Testimony....................................................    57
    Prepared statement...........................................   162
Christie, James C.:
    Testimony....................................................    22
    Prepared statement...........................................   143
Evans, Robb:
    Testimony....................................................    62
    Prepared statement...........................................   172
Fedrigotti, Carlos:
    Testimony....................................................    78
    Prepared statement...........................................   223
Jacques, Arthur O.:
    Testimony....................................................   105
    Prepared statement with attachments..........................   241
Lopez, Martin:
    Testimony....................................................    80
    Prepared statement...........................................   233
Mathewson, John M.:
    Testimony....................................................    10
    Prepared statement...........................................   139
Myers, Joseph M.:
    Testimony....................................................   117
    Prepared statement...........................................   250
Vitale, Anne:
    Testimony....................................................    60
    Prepared statement...........................................   168
Warren, Mary Lee:
    Testimony....................................................   120
    Prepared statement...........................................   256
Weisbrod, David A.:
    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 Bank's 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. Bank.............   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
31. Excerpts regarding Citibank's 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 
  American 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 Investigations' staff 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 
  Subcommittee on Investigations staff report or hearings on 
  money laundering:
    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. 1-3):
    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) documents.........................................  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

                                Volume 3

    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 O'Dell 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 
  National 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
    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. GDocuments 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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