Anti-Money Laundering (AML) Policy

1. Statement of AML Compliance

Fund Investment Group ("FIG") enforces an absolute zero-tolerance policy against money laundering, terrorist financing (CTF), market manipulation, and illegal fund routing. We comply fully with the Financial Action Task Force (FATF) recommendations, the US Patriot Act, MAS regulations in Singapore, and standard European Union AML Directives.

Our designated Chief Compliance Officer and legal teams supervise all onboarding channels and transaction networks to guarantee absolute compliance and protocol adherence.

2. Customer Identification Program (KYC)

Prior to confirming matching wire capital allocations or activating investor dashboards, every individual and corporate applicant must complete our rigorous Customer Identification Program:

• Individual Identification: Uploading certified government-issued photo identity documents and verified proof of address (utility bill or bank statement less than 3 months old).
• Corporate/Institutional Identification: Submitting Certificate of Incorporation, Memorandum & Articles of Association, verified tax residency numbers, and absolute identification of all ultimate beneficial owners (UBO) holding over 10% interest.
• Accreditation Auditing: Reviewing tax summaries or bank statements confirming sufficient net-worth capabilities.

3. Transaction Monitoring & Capital Routing Limits

FIG implements continuous automated ledger scanning to monitor all capital movements. Our routing frameworks enforce the following strict boundaries:

1. No Third-Party Wires: Inbound deposits must originate from a verified bank account carrying the exact legal name matching your registered FIG profile. Third-party wire routing is blocked and returned immediately.
2. Segregated Payouts: Outbound withdrawals are returned exclusively to the registered originating bank account on file. Changes to default bank lines require full security verification checks.
3. Cash Restrictions: FIG does not accept physical cash, check deposits, anonymous credit cards, or unverified ledger transfers.

4. Politically Exposed Persons (PEPs) & Sanctions Screening

All applicants are systematically screened against international sanctions lists (OFAC, EU, UN, MAS) and databases tracking Politically Exposed Persons (PEPs). We do not onboard individuals or entities subject to international sanctions, or those registered in high-risk uncooperative jurisdictions.

5. Suspicious Activity Reporting (SAR)

In accordance with global compliance frameworks, FIG is legally obligated to file Suspicious Activity Reports (SARs) with relevant financial intelligence units (e.g. FinCEN, STRD) upon detecting transaction anomalies. Under strict anti-tipping laws, we are prohibited from informing the client that a suspicious activity check is active or has been reported.

6. Staff Training & Ongoing Audits

All portfolio managers, relationship officers, and technical security teams undergo continuous mandatory AML compliance training. Our internal controls are audited bi-annually by independent external compliance advisors to confirm continuous alignment with global standards.