DFS 懲處兆豐銀行的新聞稿英語

August 19, 2016,  紐約州 DFS (Department of Financial Service)  發布懲處兆豐銀行紐約分行的 consent order 的 新聞稿 (press release). 這是一個機會學習美國財金官員談論嚴厲懲處銀行的英語。

“DFS will not tolerate the flagrant disregard of anti-money laundering laws and will take decisive and tough action against any institution that fails to have compliance programs in place to prevent illicit transactions,” said Financial Services Superintendent Maria T. Vullo. 

這句話是 DFS 首長 (Maria T. Vullo) 說的, 一句話裡面就用不同的片語來表達堅定的執法意志, 列舉如下:

A. 進級字彙
flagrant = obviously offensive
the flagrant disregard of ~ (挑釁式輕視)
compliance: 遵循法規

B. 洗錢相關用語
anti-money laundering laws (反洗錢法, 注意: law 是複數 laws, 表示多個具體法律篇章)
illicit transactions (非法轉帳, 注意: 不是用 illegal 這個字, illicit 強調有不道德意涵)

C. 表達強烈意志用語
~ will not tolerate + 名詞片語 (決不容許) 
will take decisive and tough action against ~
any institution that fails to ~ (any 是一個強烈的意志字眼)

D. 好用的句型
have ~ in place to prevent ~~ (設立~ 來防止 ~~)

造句是記憶英語的好方法, 但是不要只用單字造, 而是用片語或句型造。 有興趣的英語學習者, 可以就上面四組用語自行練習造句。

這個首長的第二句話如下:

“The compliance failures that DFS found at the New York Branch of Mega Bank are serious, persistent and affected the entire Mega banking enterprise and they indicate a fundamental lack of understanding of the need for a vigorous compliance infrastructure. DFS's recent examination uncovered that Mega Bank's compliance program was a hollow shell, and this consent order is necessary to ensure future compliance.”

此句英語學習重點:
compliance failures
found ~ are serious, persistent, and affected ~
indicate a fundamental lack of ~
understanding of the need for ~
a vigorous compliance infrastructure
recent examination uncovered ~
was a hollow shell
this consent order
to ensure future compliance

短短兩句話, compliance 出現 6 次, 懲處事由和目的的大結構如下:

兆豐銀行犯了
compliance failure

因為輕忽
compliance program
compliance programs (複數, 表示具體施行措施)
compliance program (單數, 表示整體集合意涵)
compliance infrastructure (infrastructure 表示設立明確的法遵人員, 部門, 獨立性... 等)

這個懲處的目的是要讓你未來守法
future compliance

閱讀測驗
In the phrase 'future compliance', what set of laws does the DFS demand Mega Bank to comply with?