美国银行（BAC.N）周三表示，该行已重新调配人员，以应对监管机构提出的问题。此前，该行因反洗钱合规失败被处以12.1亿美元罚款。银行强调，已完成大量工作以解决这些问题。
该银行因未能广泛检测潜在洗钱及其他非法活动，受到财政部和货币监理署的处罚，该处罚决定于周二公布。
Bank of America (BAC.N) has reshuffled staff to address issues brought up by regulators after fining the bank $1.21 billion over anti-money laundering compliance failures, the bank said on Wednesday, stressing that significant work has been done to fix the problems. The bank was fined by the Treasury Department and the Office of the Comptroller of the Currency for widespread failures to detect potential money laundering and other illicit activity, in an action announced on Tuesday.
此外，银行还受到一项同意令的处罚——这是一种监管惩戒形式——要求美国银行聘请独立第三方审查过去的交易，识别当时未能发现的可疑活动，并将这些交易报告给金融犯罪执法网络（FinCEN）。
It was also penalized with a consent order, a form of regulatory punishment, that requires Bank of America to hire an independent third party to review past transactions, identify suspicious activity that the bank failed to detect at the time, and report those transactions to FinCEN.
博思威克在周三的分析师简报会上表示：“我们已经完成了该同意令要求的大量工作，并在我们的项目上进行了大量投资，包括人员和技术方面。”
"We've completed a lot of the work required in that consent order, and we've made substantial investments in our program, that's in people and in technology," Borthwick told an analyst briefing on Wednesday.
美国银行首席执行官布赖恩·莫伊尼汉在分析师简报会上表示，用于解决这些问题的支出已经“纳入运行费率”，表明这些费用已反映在其费用展望中。
CEO Brian Moynihan told the analyst briefing that the spending to fix the issues is "in the run rate," indicating it is already reflected in its expense outlook.
他表示，已有1000人从其他业务单元被重新调配，以解决这些问题并提高效率。
He said 1,000 people have been repositioned from other units to fix these issues and create efficiencies.
博思威克表示，针对美国银行的同意令未施加任何资产上限——即不会限制银行规模增长的监管处罚——也不会挤占银行开展的其他业务活动。
The consent order against BofA does not impose any asset cap - a regulatory penalty that would limit how large the bank could grow - nor would crowd out any other business activity the bank does, Borthwick said.
这些问题可追溯至2024年，当时货币监理署曾指出该银行在运行符合反洗钱政策的项目时存在“系统性失败”。
The problems stem back to 2024 when the OCC dinged the bank, saying the lender had a "systemic failure" in running a program that complied with anti-money laundering policies.
监管机构在2024年表示，该银行的交易监控系统不足，未投入足够资源调查可疑活动，且其客户尽职调查项目存在不足。美国银行股价周三开盘下跌8%，触及自5月以来的最低价。
The regulator said in 2024 the bank's transaction monitoring system was insufficient, the bank failed to devote sufficient resources to investigating suspicious activity, and had deficiencies in its customer due diligence programs. Shares of Bank of America opened 8% lower, hitting their lowest price since May.
“美国银行需要向监管机构证明，其已从根本上纠正了反洗钱合规计划中的缺陷。重要的是，监管机构希望看到持续的合规，而非临时的纠正措施，”前司法部审判律师迈克尔·帕杜拉表示。
"Bank of America will need to demonstrate to regulators that it has fundamentally corrected the deficiencies in its anti-money laundering compliance program. Importantly, regulators will want to see sustained compliance rather than temporary corrective measures," said Michael Padula, a former Justice Department trial attorney.
“政府显然在传递一个信息：即使是最大的金融机构，如果未能履行反洗钱义务，也将面临巨大的财务后果。”他说。同意令对银行而言负担沉重。
"The government is clearly sending a message that even the largest financial institutions face substantial financial consequences when they fail to meet their anti-money laundering obligations." he said. Consent orders are onerous for a bank.
据路透社周一援引两位知情人士报道，规模较小的竞争对手花旗集团（C.N）正寻求迅速解决长期困扰这家美国第三大银行的监管要求，以便全力专注于增长。
Smaller rival Citigroup (C.N) is seeking to rapidly resolve its efforts to address regulatory demands that have long dogged the third-largest US bank, in order to fully re-focus on growth, Reuters reported on Monday, citing according to two people familiar with the matter.
去年6月，美联储宣布，富国银行将不再受限于监管机构于2018年因其长期销售丑闻而实施的1.95万亿美元资产上限。
In June last year the U.S. Federal Reserve announced on that Wells Fargo will no longer have to operate under a $1.95 trillion asset cap the regulator imposed on the bank in 2018 following its long-running sales practices scandal.
博思威克表示，针对美国银行的行动可追溯至2024年货币监理署（OCC）的同意令及此前的调查。
The action against BofA dates back to the 2024 OCC consent order and investigation that predated that, Borthwick said.
“货币监理署（OCC）结束工作、形成报告并确定报告的适当结果，只需要一段时间，”他说。
"It just takes some period of time for the Office of the Comptroller of the Currency (OCC) to conclude their work before they establish a report and before they figure out what is the appropriate result of that report," he said.
此外，货币监理署周三发布报告，认定包括美国银行在内的几家美国最大银行因政治、宗教或其他理由不公平地拒绝向部分客户提供银行服务，但未处以罚款或其他惩罚。
Separately, the OCC issued a report on Wednesday finding that several of the country's largest banks including Bank of America unfairly denied banking services to some clients on political, religious or other grounds, but stopped short of imposing fines or other penalties.
特朗普总统去年在接受CNBC采访时表示，他本人曾遭到银行歧视，称摩根大通和美国银行在他首个总统任期结束后拒绝接受其存款。
President Donald Trump said in a CNBC interview last year that he personally was discriminated against by banks, asserting that JPMorgan Chase and Bank of America refused to take his deposits following his first term in office.
大型银行否认因政治或宗教理由拒绝客户，反而辩称多年来激进的监管压力使其不敢为某些行业提供服务，并敦促华盛顿制定更明确的规则，规定它们可以为谁提供服务、不能为谁提供服务。
Large banks have denied rejecting customers on political or religious grounds, arguing instead that years of aggressive regulatory pressure discouraged them from serving certain sectors and urging Washington to establish clearer rules on who they can and cannot serve.