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§ Section 49 (5) of the Money Laundering Act
§ Section 53 (5a) of the Money Laundering Act

If you suffer any disadvantages following a suspicious activity report or an internal report to your employer, you can lodge a complaint with the competent supervisory authority.

If there are facts indicating that

1. an asset associated with a business relationship, brokerage or transaction originates from a criminal offense that could constitute a predicate offense to money laundering
2. a business transaction, a transaction or an asset is related to terrorist financing, or
3. the contracting party has not fulfilled its obligation to disclose to the obliged entity whether it intends to establish, continue or carry out the business relationship or transaction for a beneficial owner, the obliged entity must immediately report this fact to the Financial Intelligence Unit (FIU), irrespective of the value of the asset concerned or the amount of the transaction. If you are exposed to a disadvantage in connection with your employment relationship due to the submission of a suspicious activity report to the FIU or due to the internal reporting of such facts to the obligated party, you have the right to lodge a complaint with the competent supervisory authority. Legal action remains unaffected by the complaints procedure. The complaint is made via a protected communication channel.

none

• You have submitted a suspicious activity report to the FIU or an internal report of suspicious circumstances to your employer
• As a result of this report, you are at a disadvantage in connection with your employment relationship

none

• The complainant submits his or her complaint to the competent supervisory authority
• The complaint is examined by the competent authority
• The competent authority may take supervisory measures
• The complainant is informed at the end of the procedure

Expected 1-3 months

none

• Receiving complaints in the context of money laundering supervision
• Persons who are exposed to discrimination in connection with their employment relationship due to the submission of a suspicious activity report to the FIU or due to the internal reporting of a matter to their employer have the right to lodge a complaint with the competent supervisory authority
• Responsible: District regulatory authority

Forms: yes, confidential information system of the supervisory authority, Section 49 para. 5 sentence 3 in conjunction with Section 53 para. § Section 53 para. 1 sentence 2 GwG

Online procedure possible: yes

Written form required: no

Personal appearance required: no