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MONEY LAUNDERING :
THREE STAGE
PROCESS
By Dhananjay Choudhary – Koda
Assoicates
CYCLE CAN BE BROKEN DOWN
INTO THREE DISTINCT STAGES;
HOWEVER, IT IS IMPORTANT
TO REMEMBER THAT MONEY
LAUNDERING IS A SINGLE
PROCESS. THE STAGES OF
MONEY LAUNDERING INCLUDE
THE:
1. PLACEMENT STAGE
2. LAYERING STAGE
3. INTEGRATION STAGE
By Dhananjay Choudhary – Koda
Assoicates
THE PLACEMENT STAGE
THE PLACEMENT STAGE REPRESENTS THE
INITIAL ENTRY OF THE "DIRTY" CASH OR
PROCEEDS OF CRIME INTO THE FINANCIAL
SYSTEM. GENERALLY, THIS STAGE SERVES TWO
PURPOSES: (A) IT RELIEVES THE CRIMINAL OF
HOLDING AND GUARDING LARGE AMOUNTS OF
BULKY OF CASH; AND (B) IT PLACES THE MONEY
INTO THE LEGITIMATE FINANCIAL SYSTEM. IT IS
DURING THE PLACEMENT STAGE THAT MONEY
LAUNDERERS ARE THE MOST VULNERABLE TO
BEING CAUGHT. THIS IS DUE TO THE FACT THAT
PLACING LARGE AMOUNTS OF MONEY (CASH)
INTO THE LEGITIMATE FINANCIAL SYSTEM MAY
RAISE SUSPICIONS OF OFFICIALS.
By Dhananjay Choudhary – Koda
Assoicates
THE LAYERING STAGE
AFTER PLACEMENT COMES THE LAYERING
STAGE (SOMETIMES REFERRED TO
AS STRUCTURING). THE LAYERING STAGE IS THE
MOST COMPLEX AND OFTEN ENTAILS THE
INTERNATIONAL MOVEMENT OF THE FUNDS. THE
PRIMARY PURPOSE OF THIS STAGE IS TO
SEPARATE THE ILLICIT MONEY FROM ITS
SOURCE. THIS IS DONE BY THE
SOPHISTICATED LAYERING OF FINANCIAL
TRANSACTIONS THAT OBSCURE THE AUDIT TRAIL
AND SEVER THE LINK WITH THE ORIGINAL CRIME.
By Dhananjay Choudhary – Koda
Assoicates
THE INTEGRATION STAGE
THE FINAL STAGE OF THE MONEY LAUNDERING
PROCESS IS TERMED THE INTEGRATION STAGE.
IT IS AT THE INTEGRATION STAGE WHERE THE
MONEY IS RETURNED TO THE CRIMINAL FROM
WHAT SEEM TO BE LEGITIMATE SOURCES.
HAVING BEEN PLACED INITIALLY AS CASH AND
LAYERED THROUGH A NUMBER OF FINANCIAL
TRANSACTIONS, THE CRIMINAL PROCEEDS ARE
NOW FULLY INTEGRATED INTO THE FINANCIAL
SYSTEM AND CAN BE USED FOR ANY PURPOSE.
By Dhananjay Choudhary – Koda
Assoicates
ANY CASE – ABOUT MONEY
LAUNDERING
CONNECTING -
HTTP://DHANANJAYCHOUDHARY.SITE/
By Dhananjay Choudhary – Koda
Assoicates

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Money Laundering : Three Stage Process By Dhananjay Choudhary

  • 1. MONEY LAUNDERING : THREE STAGE PROCESS By Dhananjay Choudhary – Koda Assoicates
  • 2. CYCLE CAN BE BROKEN DOWN INTO THREE DISTINCT STAGES; HOWEVER, IT IS IMPORTANT TO REMEMBER THAT MONEY LAUNDERING IS A SINGLE PROCESS. THE STAGES OF MONEY LAUNDERING INCLUDE THE: 1. PLACEMENT STAGE 2. LAYERING STAGE 3. INTEGRATION STAGE By Dhananjay Choudhary – Koda Assoicates
  • 3. THE PLACEMENT STAGE THE PLACEMENT STAGE REPRESENTS THE INITIAL ENTRY OF THE "DIRTY" CASH OR PROCEEDS OF CRIME INTO THE FINANCIAL SYSTEM. GENERALLY, THIS STAGE SERVES TWO PURPOSES: (A) IT RELIEVES THE CRIMINAL OF HOLDING AND GUARDING LARGE AMOUNTS OF BULKY OF CASH; AND (B) IT PLACES THE MONEY INTO THE LEGITIMATE FINANCIAL SYSTEM. IT IS DURING THE PLACEMENT STAGE THAT MONEY LAUNDERERS ARE THE MOST VULNERABLE TO BEING CAUGHT. THIS IS DUE TO THE FACT THAT PLACING LARGE AMOUNTS OF MONEY (CASH) INTO THE LEGITIMATE FINANCIAL SYSTEM MAY RAISE SUSPICIONS OF OFFICIALS. By Dhananjay Choudhary – Koda Assoicates
  • 4. THE LAYERING STAGE AFTER PLACEMENT COMES THE LAYERING STAGE (SOMETIMES REFERRED TO AS STRUCTURING). THE LAYERING STAGE IS THE MOST COMPLEX AND OFTEN ENTAILS THE INTERNATIONAL MOVEMENT OF THE FUNDS. THE PRIMARY PURPOSE OF THIS STAGE IS TO SEPARATE THE ILLICIT MONEY FROM ITS SOURCE. THIS IS DONE BY THE SOPHISTICATED LAYERING OF FINANCIAL TRANSACTIONS THAT OBSCURE THE AUDIT TRAIL AND SEVER THE LINK WITH THE ORIGINAL CRIME. By Dhananjay Choudhary – Koda Assoicates
  • 5. THE INTEGRATION STAGE THE FINAL STAGE OF THE MONEY LAUNDERING PROCESS IS TERMED THE INTEGRATION STAGE. IT IS AT THE INTEGRATION STAGE WHERE THE MONEY IS RETURNED TO THE CRIMINAL FROM WHAT SEEM TO BE LEGITIMATE SOURCES. HAVING BEEN PLACED INITIALLY AS CASH AND LAYERED THROUGH A NUMBER OF FINANCIAL TRANSACTIONS, THE CRIMINAL PROCEEDS ARE NOW FULLY INTEGRATED INTO THE FINANCIAL SYSTEM AND CAN BE USED FOR ANY PURPOSE. By Dhananjay Choudhary – Koda Assoicates
  • 6. ANY CASE – ABOUT MONEY LAUNDERING CONNECTING - HTTP://DHANANJAYCHOUDHARY.SITE/ By Dhananjay Choudhary – Koda Assoicates