▎防杜人頭帳戶

將帳戶借他人使用，可能成為詐欺或洗錢幫助犯！

案例

菲律賓籍的傑瑞，透過臉書認識詐騙集團成員吉米，提供個人銀行帳戶作為人頭帳戶所用及配合提領款項交予吉米。

吉米向淑珍進行詐騙，以各種理由要求淑珍多次匯款，淑珍發現受騙報警，警方循線查獲是傑瑞提供的帳戶，傑瑞被檢察官起訴後，遭法院認定傑瑞提供帳戶，且協助領取贓款行為成立幫助詐欺罪及幫助洗錢罪，進而判處有期徒刑3個月，併科罰金新臺幣3萬元。

解析

•傑瑞配合詐騙集團提領詐騙款項，製造金流斷點，造成無從追查或追查困難，並協助提領詐欺所得贓款，更讓法院認定這樣的行為符合詐欺取財罪嫌。

•移工在臺工作，如有提供詐騙匯款帳戶，將淪為詐騙集團幫手，觸犯刑法幫助詐欺罪及洗錢防制法，勞動部將廢止聘僱許可，並限令其返國，影響在臺工作權益。

 

英文版

▎Preventing nominee accounts

Lending your bank account to someone to use could result in you being an accomplice to a scam or money laundering.

Case

Philippine national Jerry met scam gang member Jimmy on Facebook and was persuaded to let Jimmy use his bank account from which he periodically withdrew money remitted by the scam gang and handed it to Jimmy.

Jimmy defrauded Shu-chen, asking her to remit money to him on multiple occasions for bogus reasons. When Shu-chen realized she had been tricked she reported the matter to the police and their investigation discovered that the money had been remitted to Jerry’s account. After Jerry was indicted by prosecutors, the court confirmed he allowed his account to be used by other parties and also withdrew the stolen money, making him an accomplice to fraud and money laundering. As a result, the court sentenced Jerry to three months in prison and fined him NT$30,000.

Analysis

•By withdrawing the stolen money from his account for the scam gang, Jerry created a cash flow breakpoint making the case impossible or extremely difficult to investigate. In addition, helping to withdraw money made by defrauding people from the account was determined by the court to constitute the crime of obtaining money or goods by false pretences.

•If a foreign worker employed in Taiwan is found to have lent a bank account used in the commission of fraud that makes them an accomplice to fraud and is a violation of Money laundering Control Act. The Ministry of Labor will revoke their employment permit and order them to leave the country within a fixed period of time, thereby impacting the right to work in Taiwan.

 

印尼文版

▎Pencegahan Rekening Penipuan

Meminjamkan rekening bank kepada orang lain, mungkin akan menjadi penipuan atau membantu pencucian uang

Kasus

Jerry berasal dari Filipina, melalui FB mengenal Jimmy yang adalah seorang anggota sindikat penipuan, kemudian Jerry memberikan rekening bank pribadinya untuk digunakan sebagai rekening penipuan dan berkoordinasi dengan mengambil dan menyerahkan uang tersebut kepada Jimmy.

Jimmy menipu Shu Zhen, dengan berbagai alasan meminta Shu Zhen mentransferkan uang beberapa kali. Akhirnya Shu Zhen menyadari bahwa ia telah tertipu dan melaporkan ke polisi, pihak kepolisian melacak dan mendapati bahwa rekening bank tersebut diberikan oleh Jerry. Setelah Jerry diadili Jaksa, pengadilan memutuskan bahwa tindakan Jerry dengan memberikan rekening bank dan perbuatan membantu pengambilan uang hasil curian merupakan tindakan pidana membantu penipuan dan tindakan pidana pencucian uang, dan akan dijatuhi hukuman penjara 3 bulan dengan denda sebesar NT$30.000.

Penjelasan

•Jerry berkoordinasi dengan sindikat penipuan menarik uang hasil penipuan, menimbulkan gangguan arus uang, membuat tidak dapat terlacak atau mempersulit pelacakan, serta membantu pengambilan uang hasil penipuan. Pengadilan memutuskan bahwa perilaku ini sebagai tindakan pidana mendapatkan harta kekayaan dengan cara penipuan.

•Pekerja Migran yang bekerja di Taiwan, jika memberikan rekening banknya untuk penipuan maka akan menjadi kaki tangan sindikat penipuan, melanggar hukum pidana membantu penipuan dan hukum pencegahan pencucian uang, Kementerian Ketenagakerjaan akan mencabut izin kerja dan memerintahkan untuk kembali ke negara asal, yang mana ini akan berdampak pada hak bekerja di Taiwan

 

越南文版

▎Ngăn chặn tài khoản ngân hàng không chính chủ

Cho người khác mượn số tài khoản của bạn, có thể sẽ trở thành kẻ lừa đảo hoặc hỗ trợ rửa tiền.

Trường hợp

Jerry, người Philippines và Jimmy, một thành viên của nhóm lừa đảo, quen nhau trên trang Facebook, anh ta cung cấp tài khoản ngân hàng cá nhân của mình và phối hợp rút tiền cho Jimmy.

Jimmy lừa gạt Thục Trân, yêu cầu Thục Trân chuyển tiền nhiều lần với nhiều lý do khác nhau. Thục Trân phát hiện mình đã bị lừa nên báo cảnh sát. Cảnh sát lần theo manh mối và phát hiện ra rằng, tài khoản là do Jerry cung cấp. Sau khi Jerry bị công tố viên khởi tố, Tòa án xác định Jerry đã cung cấp tài khoản và có hành vi hỗ trợ nhận tiền trộm cắp bị nên đã kết tội hỗ trợ lừa đảo và hỗ trợ rửa tiền, đồng thời bị kết án 3 tháng tù giam và bị phạt 30.000 Đài tệ.

Phân tích

•Jerry đã hợp tác với nhóm lừa đảo để rút số tiền lừa đảo, tạo ra điểm đứt gãy dòng tiền, khiến cho việc truy tìm gặp phải khó khăn, đồng thời hỗ trợ rút số tiền trộm cắp có được từ hành vi lừa đảo, tòa án xác định hành vi đó phù hợp với tội lừa đảo chiếm đoạt tài sản.

•Nếu lao động nhập cư làm việc tại Đài Loan cung cấp tài khoản chuyển tiền gian lận, người đó sẽ trở thành đồng phạm của băng nhóm lừa đảo, vi phạm luật hình sự về hỗ trợ gian lận và luật phòng chống rửa tiền, Bộ Lao động sẽ hủy bỏ giấy phéo lao động và yêu cầu trục xuất người lao động, ảnh hưởng đến quyền làm việc tại Đài Loan.

 

泰文版

▎สกัดกั้นบัญชีม้า

ให้คนอื่นยืมใช้บัญชีธนาคารอาจกลายเป็นผู้สมรู้ร่วมคิดกระทำการฉ้อโกงหรือฟอกเงิน!

ตัวอย่าง

เจอร์รี่เป็นชาวฟิลิปปินส์ รู้จักกับจิมมี่ซึ่งเป็นสมาชิกแก๊งคอลเซ็นเตอร์ผ่านทางเฟซบุ๊ก ได้นำบัญชีธนาคารของตนเองให้จิมมี่ใช้เป็นบัญชีม้าและยังช่วยเบิกเงินออกมาให้จิมมี่ด้วย

จิมมี่ได้ทำการหลอกลวงสูเจินโดยอ้างเหตุผลต่างๆนานาเพื่อให้สูเจินโอนเงินให้หลายครั้ง ต่อมาสูเจินพบว่าตนถูกหลอกจึงแจ้งตำรวจ จากการตรวจสอบของตำรวจพบว่าเจอร์รี่เป็นเจ้าของบัญชีธนาคาร เจอร์รี่จึงถูกอัยการสั่งฟ้อง ศาลพิพากษาว่าเจอร์รี่เป็นผู้เสนอให้ใช้บัญชีธนาคารของตนและยังช่วยเบิกเงินที่ได้จากการหลอกลวงออกมาด้วย ถือว่ามีความผิดฐานสมรู้ร่วมคิดกระทำการฉ้อโกงและฟอกเงิน ถูกตัดสินให้จำคุกเป็นเวลา 3 เดือนและปรับ 30,000 เหรียญไต้หวัน

คำอธิบาย

•เจอร์รี่ให้ความร่วมมือกับแก๊งคอลเซ็นเตอร์ช่วยเบิกเงินเพื่อตัดเส้นทางการเงินทำให้ไม่สามารถติดตามหรือ ตรวจสอบลำบาก ศาลเห็นว่าการช่วยเบิกเงินที่ได้จากการหลอกลวงถือว่ามีความผิดฐานฉ้อโกง      

•แรงงานต่างชาติที่ทำงานในไต้หวัน หากนำบัญชีธนาคารให้ผู้อื่นใช้เป็นบัญชีม้าจะกลายเป็นผู้สมรู้ร่วมคิดแก๊งคอลเซ็นเตอร์ ถือเป็นการละเมิดกฎหมายอาญาฐานสมรู้ร่วมคิดกระทำการฉ้อโกงและกฎหมายป้องกันการฟอกเงิน กระทรวงแรงงานจะเพิกถอนใบอนุญาตทำงานและมีคำสั่งให้เดินทางกลับประเทศภายในเวลาที่กำหนด ซึ่งจะส่งผลกระทบต่อสิทธิประโยชน์การทำงานในไต้หวัน

 

菲律賓文版

▎Prebensyon sa mga Pekeng Account

Ang pagpapahiram ng sariling account upang magamit ng iba ay maaaring maturing manloloko o katulong sa money laundering!

Halimbawa

Nakilala ni Jerry, isang Pilipino, ang isang miyembro ng sindikatong nanloloko na si Jimmy. Ipinagamit nito ang sariling account at tumulong sa pag-withdraw ng pera para kay Jimmy.

Niloko ni Jimmy si Shuzhen at gamit ang iba’t ibang rason ay hiniling nitong magpadala ng pera si Shuzhen. Nalaman ni Shuzhen na siya ay naloko at iniulat ito sa mga pulis. Sinundan ng mga pulis ang mga bakas at nalamang ang account ay ibinigay ni Jerry. Matapos idemanda si Jerry, nasigurong pinagamit ni Jerry ang kanyang account. Ang pagtulong sa pagtanggap ng mga nakaw na pera ay itinuturing na nagkasala sa pagtulong manloko at sa money laundering kung kaya siya ay nahatulan ng 3 buwang pagkakabilanggo at namultahan ng NT$30,000.

Resolusyon

•Nakipagtulungan si Jerry sa mga manloloko at ini-withdraw ang mga pondo mula sa panloloko. Lumikha ito ng isang butas sa daloy ng pera at nang dahil dito ay naging imposible o mahirap nang matunton ito. Kinilala ng korte na ito ay pareho sa krimen ng pagkuha ng pagmamay-ari ng iba sa pamamagitan ng panloloko.

•Kung ang migranteng manggagawa sa Taiwan ay nagbigay ng account para sa panlilinlang ng kapwa, siya ay ituturing na kasabwat ng mga sindikato at manloloko at lumalabag sa Batas Kriminal na pagtulong sa panloloko at sa Money Laundering Prevention Act. Babawiin ng Ministry of Labor ang kanyang employment permit at uutusan siyang bumalik sa kanyang sariling bansa at maaapektuhan ang kanyang karapatang magtrabaho sa Taiwan.

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相關檔案

•[另開新視窗](新案例宣導)防杜人頭帳戶

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