DOCSLIB.ORG

Full AML-CFT-Handbook-Clean September 2019

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
Full AML-CFT-Handbook-Clean September 2019 ANTI-MONEY LAUNDERING AND COUNTERING THE FINANCING OF TERRORISM HANDBOOK October November 2019 Whilst this publication has been prepared by the Financial Services Authority, it is not a legal document and should not be relied upon in respect of points of law. Reference for that purpose should be made to the appropriate statutory provisions. Please note this Handbook has not yet been updated to reflect the introduction of the AML/CFT Code 2019. Please see any relevant stand- alone guidance for the interim period while this update takes place. Contact: AML Unit, Enforcement Division Financial Services Authority PO Box 58, Finch Hill House, Bucks Road, Douglas Isle of Man IM99 1DT Tel: 01624 646000 Fax: 01624 646001 Website: www.iomfsa.im Email: [email protected] AML/CFT Handbook Part 1 Introductory Part 1 – Introductory 9 1.1 Foreword ........................................................................................................ 9 1.2 Status of Guidance ........................................................................................ 10 1.3 Purpose of the Handbook .............................................................................. 11 1.4 Failure to Comply with the AML/CFT Code ................................................... 11 1.5 FATF Recommendations .............................................................................. 12 1.6 Compliance Culture ....................................................................................... 12 1.7 Risk Based Approach .................................................................................... 15 1.7.1 What is risk? ........................................................................................ 15 1.7.2 What is mitigation? .............................................................................. 16 1.8 Assessing Compliance with a Risk Based Approach ..................................... 16 Part 2 – General Requirements 17 2.1 General Requirements ................................................................................... 17 Part 3 – Risk Assessment and Ongoing Monitoring 19 3.1 Business Risk Assessment ............................................................................ 19 3.1.1 The nature, scale and complexity of its activities ................................ 20 3.1.2 Its customers, products and services .................................................. 21 3.1.3 The manner in which it provides these products and services to its customers ..................................................................... 21 3.1.4 The reliance which is placed on any third parties for elements of the CDD collected ............................................................ 22 3.2 Technological Developments Risk Assessment ............................................ 22 3.2.1 Operational risks ................................................................................. 23 3.2.2 Reputational risks ................................................................................ 23 3.2.3 Legal risks ........................................................................................... 23 3.3 Customer Risk Assessment .......................................................................... 24 3.3A Introduced Business ...................................................................................... 27 3.3A.1 Broadened Customer Risk Assessment requirements ........................ 27 3.3.1 Lower risk ............................................................................................ 34 3.3.2 The business risk assessment ............................................................ 35 3.3.3 The nature, scale, complexity and location of the customer’s activities .............................................................................................. 35 3.3.4 The type of customers, products and services .................................... 35 3.3.5 The reliance which is placed on any third parties for elements of the CDD collected ............................................................ 37 3.3.6 Whether the relevant person and the customer have met ................... 37 3.4 Ongoing Monitoring ...................................................................................... 37 3.4.1 Transaction monitoring ........................................................................ 38 3.4.2 Due diligence monitoring ..................................................................... 39 3.4.3 Customer screening ............................................................................ 40 3.4.4 Frequency of ongoing monitoring ........................................................ 41 3.4.5 Considering unreasonable customer instructions ................................ 42 3.4.6 Handling cash transactions ................................................................. 42 2 AML/CFT Handbook Part 1 Introductory 3.5 Jurisdiction Lists ........................................................................................... 43 Part 4 – Customer Due Diligence 45 4.1 Introduction ................................................................................................... 46 4.1.1 Definitions ........................................................................................... 46 4.1.2 Background to CDD ............................................................................ 47 4.2 Key Principles of CDD ................................................................................... 48 4.3 Code Requirements ....................................................................................... 49 4.3.1 Minimum standards table .................................................................... 50 4.3.2 New business relationships and occasional transactions .............................. 52 4.3.3 Continuing business relationships ................................................................. 52 4.3.4 Beneficial ownership and control ................................................................... 53 4.3.5 Enhanced due diligence ................................................................................ 58 4.4 Timing of ID&V and Failure to Complete ID&V .............................................. 59 4.4.1 Timing in relation to continuing business relationships .................................. 60 4.5 How to “Identify” ............................................................................................. 61 4.5.1 Natural persons ................................................................................... 61 4.5.2 Legal persons ...................................................................................... 62 4.5.3 Legal arrangements ............................................................................ 62 4.6 What to “Verify” .............................................................................................. 62 4.6.1 Natural persons ................................................................................... 63 4.6.2 Legal persons ...................................................................................... 63 4.6.3 Legal arrangements ............................................................................ 63 4.6.4 ID&V requirements for multiple signatories/directors .......................... 64 4.6.5 ID&V requirements for multiple 3rd parties ........................................... 65 4.6.6 ID&V requirements for clubs and associations .................................... 65 4.7 Methods to Verify: Natural Persons ............................................................... 66 4.7.1 Acceptable methods to verify identity .................................................. 67 4.7.2 Acceptable methods to verify address ................................................ 68 4.7.2.1 Change of address ................................................................ 68 4.8 Methods to Verify: Legal Persons .................................................................. 71 4.9 Methods to Verify: Legal Arrangements ......................................................... 73 4.10 Certification of Hard Copy Documents ........................................................... 74 4.11 Use of Electronic Documents......................................................................... 75 4.12 Independent Electronic Data Sources ........................................................... 76 4.13 Purpose and Intended Nature of Business Relationship ................................ 76 4.14 Source of Funds & Source of Wealth ............................................................ 77 4.15 Bearer Shares................................................................................................ 78 4.16 Politically Exposed Persons (PEPs) .............................................................. 78 4.16.1 PEP risk .............................................................................................. 78 4.16.2 PEP definitions .................................................................................... 79 4.16.3 PEP requirements …………………………………………………………81 4.16.4 Identifying PEPs ……………………………………………………………82 4.16.5 Identifying PEP risk ………………………………………………………..83 4.16.6 ‘Once a PEP, always a PEP’? ........................................................... .84 3 AML/CFT Handbook Part 1 Introductory Part 5 – Specified Non-profit Organisations 87 5.1 What is a Specified Non-Profit Organisation? ................................................ 87 5.2 Code Requirements ......................................................................................
Load more

Recommended publications
  • Cwu Submission to Ofcom: Royal Mail Access Pricing Review
    24 February 2015 CWU SUBMISSION TO OFCOM: ROYAL MAIL ACCESS PRICING REVIEW Introduction 1. The Communication Workers Union (CWU) is the largest trade union in the communications sector, representing over 200,000 workers in the postal, telecommunications and financial services industries. We are the recognised trade union for around 140,000 non-managerial staff at Royal Mail and are therefore an important stakeholder in the postal sector, speaking on behalf of our members both as workers within the industry and as users of postal services. We welcome this opportunity to respond to Ofcom’s Royal Mail Access Pricing Review and have tailored our response to respond to the consultation questions most relevant to our membership and on which we believe we are best placed to comment. Ofcom’s proposed amendments to zonal access pricing regulation 2. Ofcom is concerned that the existing Universal Service Provider (USP) access condition is not working as it envisioned in 2012 and may not promote efficiency, promote effective competition, and confer significant benefits on the users of postal services. It believes quick regulatory intervention is needed to reduce the risks to end-to-end competitors, such as Whistl, from the current pricing flexibility Royal Mail is afforded on zonal access mail. Ofcom says the current USP access condition allows Royal Mail to distinguish between different types of operator and introduce very significant year-on-year changes in access charges. It is concerned at the uncertainty and disruption this presents to access operators. 3. Royal Mail’s 2013/14 proposed changes to zonal access charges, currently suspended, would change the gradient of the ‘Zonal tilt’1 by introducing reductions in the London and Urban zones where end-to-end entrants are most likely to operate whilst increasing prices in Suburban and Rural Zones in which they are least likely to operate.
    [Show full text]
  • Committee of Experts on the Evaluation of Anti-Money Laundering Measures and the Financing of Terrorism
    Strasbourg, 26 July 2019 MONEYVAL(2019)14 COMMITTEE OF EXPERTS ON THE EVALUATION OF ANTI-MONEY LAUNDERING MEASURES AND THE FINANCING OF TERRORISM MONEYVAL 58th PLENARY MEETING Strasbourg, 15-19 July 2019 MEETING REPORT MEMORANDUM Prepared by the MONEYVAL Secretariat Executive Summary During the 58th Plenary meeting, held in Strasbourg from 15-19 July 2019, the MONEYVAL Committee: - adopted the 5th round mutual evaluation report and its executive summary on the Republic of Moldova, and decided to subject the country to the enhanced follow-up procedure; - adopted the 5th round mutual evaluation report and its executive summary on Malta, and decided to subject the country to the enhanced follow-up procedure; - adopted the follow-up reports by the UK Crown Dependency of the Isle of Man and Ukraine under the 5th round of mutual evaluations; - adopted the 5th round compliance report of the UK Crown Dependency of the Isle of Man under MONEYVAL’s Compliance Enhancing Procedures (CEPs) and invited the jurisdiction to submit a second compliance report for the 59th Plenary in December 2019; - adopted the 4th round compliance report of Croatia and decided to both lift CEPs and remove the country from the 4th round follow-up process; - adopted the 4th round compliance report of Romania, decided to suspend CEPs and invited the country to apply for removal from the 4th round follow-up procedure at the 59th Plenary in December 2019; - adopted the 4th round follow-up report by Estonia and decided to remove the country form the 4th round follow-up process;
    [Show full text]
  • 2006 No. 97 POLICE the Police Act 1997 (Criminal Records
    SCOTTISH STATUTORY INSTRUMENTS 2006 No. 97 POLICE The Police Act 1997 (Criminal Records) (Registration) (Scotland) Regulations 2006 Made - - - - 2nd March 2006 Laid before the Scottish Parliament 6th March 2006 Coming into force - - 1st April 2006 The Scottish Ministers, in exercise of the powers conferred by sections 120(3), 120A(7), 124A(4) and 125(5) of the Police Act 1997(a) and of all other powers enabling them in that behalf, hereby make the following Regulations: Citation, commencement and extent 1.—(1) These Regulations may be cited as the Police Act 1997 (Criminal Records) (Registration) (Scotland) Regulations 2006 and shall come into force on 1st April 2006. (2) These Regulations extend to Scotland only. Interpretation 2.—(1) In these Regulations– “the 1997 Act” means the Police Act 1997; “the register” means the register maintained by the Scottish Ministers under section 120(1) of the 1997Act for the purposes of Part 5 of the 1997 Act; “exempted question” has the same meaning as in section 113A of the 1997 Act(b); “mental disorder” means mental illness (including personality disorder) or mental handicap however caused or manifested; “statutory office-holder” means a person appointed to an office by virtue of an enactment; any reference to a numbered section shall be construed as a reference to the section bearing that number in the 1997 Act; any reference to a numbered regulation is to the regulation bearing that number in these Regulations; any reference to a numbered paragraph is to the paragraph bearing that number in that regulation; and (a) 1997 c.50. By virtue of section 126(3) in the application of Part 5 of the Police Act 1997 (“the 1977 Act”) to Scotland, as amended by the Serious Organised Crime and Police Act 2005 (c.15) (“the 2005 Act”), section 166(2), references to the Secretary of State must be construed as references to the Scottish Ministers (except in sections 118(2A)(d) and 124A(1) and (2)).
    [Show full text]
  • MAY-AUGUST 2020 Issue # 458D MAY-AUGUST 2020 458D-2
    ... SPECIAL DOUBLE ISSUE ... MAY-AUGUST 2020 Issue # 458D MAY-AUGUST 2020 458D-2 Editor’s Page Welcome to our First Double Issue If you are reading the print edition of this Eu- So here we are, and you are holding a piece if ropa News, you are holding in your hands a ESU history in your hands. Readers of the first for the ESU — a big double issue. If you electronic version will already have had access are reading this online, then it’s probably not to EN#457 online, so they’ve had a jump on a surprise, but those who rely solely on the about half of the content of this issue. Edits print edition are surely wondering .. What’s have been made here and there to reflect new- up? Let me explain. er information (such as the cancellation of the Great American Stamp Show, alas). As I was putting together the material for EN#457 we got hit with life-changing news. A Electronic readers also got a bonus, since a virus now called Covid-19 is especially conta- mini-auction was included in the last issue. gious and very nasty. Add to that the fact that But hang in there. Don has put together a very the elderly and those with medical conditions, nice mega-auction for this issue as well. So as are especially susceptible. Well, I and my wife always, bid early, bid often, and have fun. By each check both boxes, so we hunkered down. the way, rumor has it that Bruce Wayne has Which left me more time for stamps, so work leased space in Don’s wine cellar for a few of on EN#457 proceeded apace.
    [Show full text]
  • That Was the Year That Was - 1996
    The Revea er ISSN 0484·6125 QUARTERLY JOURNAL OF THE EIRE PHILATELIC ASSOCIATION Vol. 47, No. 1 Whole Number 207 SAMHRADH - Summer 1997 That Was The Year That Was - 1996 That Was The Year That Was -1996 ................................... 4 Literature Review ...... ... ............... ............ .. ... .. .......... .. .. ..... 16 David Brennan Receives Clark Award .. ...... .. ...................... 8 Dublin Journal ................................................................... 17 W. Edwin Davey Closes His Album ........ .. .. .. .. ............. ..... 11 FA! Celebrates 15th Birthday in Germany .... .. ............. .... 19 David MacDonnell & Ian Whyte Receive Field Award .... 12 STAMPA '97 ............................. .. .......... ........................ .... 19 Irish Crash Airmails - 2nd Edition .. .................................. 16 Officers Report .. .. .............................................................. 19 Affiliate No. 21 -- The American Philatelic Society • Affiliate -- Federation of Philatelic Societies of Ireland Member -- Council of Philatelic Organizations Page 2 THE REVEALER Summer 1997 PRESIDENT'S MESSAGE was did not realize itself, nor did I realize what I should have when I took the post on. The four years went by very quickly. I have had GOODBYE PART ONE some excellent support from most of the leadership of the EPA, but This is my second to last message almost no input from you the members. as your President. I decided that I On numerous occasions, through my presidential messages, would like to conclude my four year through visits to stamp shows, through our conventions and through stint with a split message. The first various other conversations with the rank and file, I have asked for part which follows is the "bad news". ideas to define the role of the EPA. What is it the EPA should be to Next issue of The Revealer will carry its members? No tangible response. the "good news" part of the message I made a major effort to improve our Conventions and AGMs.
    [Show full text]
  • Isle of Man Constabulary Digital Priorities 2016‐2017
    Isle of Man Constabulary Digital Priorities 2016‐2017 October 2016 www.iompolice.im www.gov.im/digitalstrategy Isle of Man Constabulary Digital Priorities 2016 ‐ 2017 As outlined in the strategic plan, the challenges facing modern policing are complex and ever growing. Whilst the number of offences recorded continue to decline and the Island continues to be one the safest places in the British Isles to live and work, complex crime is growing and the Island is increasingly no longer insulated from an ever connected global society. In parallel expectations are increasing – citizens are rightly expecting more information, more immediate and digital contact with the Police and expect the Police to be adopting modern technologies – technologies which are also increasingly needed to keep pace with criminals. These two challenges are further complicated by the constant need for efficiency – funds available to the constabulary are at an all time low and the force needs to be adapting and seeking every opportunity to be more efficient and to target its precious resources in the places most needed. For these reasons the Constabulary has now embraced its own Digital Priorities – the priority projects and initiatives as part of Isle of Man Government’s overall digital strategy, to deliver improved outcomes from digital thinking , from using technology to work together – inside and outside the force across society, and to learn intelligently from the information available in a digital society to predict, react to and ultimately deter and prevent crime. A safe Island requires a modern, digitally enabled police force. One which brings fingertip information to its professional officers and staff when and where they need it.
    [Show full text]
  • Association for Postal Commerce
    Association for Postal Commerce "Representing those who use or support the use of mail for Business Communication and Commerce" "You will be able to enjoy only those postal rights you believe are worth defending." 1800 Diagonal Rd., Ste 320 * Alexandria, VA 22314-2862 * Ph.: +1 703 524 0096 * Fax: +1 703 997 2414 Postal News for May 2013 May 31, 2013 Post & Parcel: Post Danmark suffered a massive IT network failure on Wednesday, which took out its track and trace system. The national postal operator in Denmark said the disruption to its communications systems also meant that customers were unable to contact customer service regarding their inability to track their packages. Despite the problems, the company insisted yesterday that it is now back to delivering letters and parcels on time. Post & Parcel: PostNL will be increasing its prices from the beginning of August, with the basic rate for a domestic letter rising 11% to 60c. The Dutch postal service said the rate increases are necessary to counter the impacts of the country’s 8-10% annual decline in mail volumes. Letters going to European destinations will see rates rise to 96c, while letters going to the rest of the world will be charged at EUR 1. Business rates will also increase from 1st August, the company said. The basic rate for franked mail will be EUR 0.52. Despite beginning a “rigorous” series of restructuring effort and cost-saving plans, PostNL said its universal postal service is loss- making as a result of the large volume declines, while it continues to meet its obligation to guarantee mail delivery within 24 hours and maintain networks of 2,000 post offices and 15,000 mailboxes.
    [Show full text]
  • Annex A: Police Force Areas
    © West Midlands Police STATE OF POLICING OF STATE POLICE FORCE AREAS FORCE POLICE 162 STATE OF POLICING OF STATE Coleraine Londonderry/ Annex A: Derry Strabane Ballymena Larne NORTHERN IRELAND Antrim Newtonabbey Berwick-upon-Tweed Omagh Cookstown Police force areas BELFAST Bangor Dungannon Lisburn Enniskillen Lurgan Armagh Alnwick AREAS FORCE POLICE Newry NORTHUMBERLAND Morpeth NORTHUMBRIA Ashington NEWCASTLE UPON TYNE Newcastle NORTH TYNESIDE upon Tyne Tynemouth Corbridge SOUTH TYNESIDE South Shields Hexham Gateshead SUNDERLAND GATESHEAD Carlisle Washington Sunderland Consett Durham Peterlee HARTLEPOOL Penrith DURHAM Hartlepool STOCKTON-ON-TEES Workington Bishop Auckland Stockton- REDCARR AND CLEVELCLE AND Keswick on-Tees DARLINGTON Middlesbrough Whitehaven Brough Darlington CLEVELAND B534 CUMBRIA Whitby 5 MIDDLESBROUGH Scotch Windermere Corner Kendal Scarborough Thirsk NORTH YORKSHIRE Barrow- in-Furness Ripon Morecambe Bridlington Heysham Lancaster Skipton Harrogate York EAST RIDING OF YORKSHIRE Wetherby Fleetwood LANCASHIRE YORK Cleveleys Clitheroe Keighley BLACKBURN Leeds BLACKPOOL WITH HUMBERSIDE CITYCITCI OF Numbered unitary areas: DARWEN BRADFORD LEEDS KINGSTONN UPONU HULL 6 LIVERPOOL Blackpool Preston Bradford Kingston 7 BOLTON Selby 8 SALFORD Burnley upon Hull Halifax WEST 9 TRAFFORD Blackburn 10 ROCHDALE CALDERDALE 11 MANCHESTER YORKSHIRE 12 TAMESIDE Goole Southport Wakefield Pontefract 13 OLDHAM Rochdale NORTH LINCOLNSHIRE 14 CITY OF WOLVERHAMPTON Immingham Bury 100 WAKEFIELD Scunthorpe 15 WALSALL Skelmers- Huddersfield 16 SANDWELL
    [Show full text]
  • MAY-JUNE 2018 Issue # 445
    MAY-JUNE 2018 Issue # 445 PAGE 8 Megyeri Bridge, Budapest (page x) PAGE 6 MAY—JUNE 2018 445-2 New Issues Europa 2018 "Bridges" AUSTRIA 1v MONACO 1v Issue date 9 May 2018 Issue date 5 April 2018 Schemerlbrücke Truss bridge The Josef von Schemerl Bridge (Schemerlbrücke) The stamp depicts the Pont Sainte Devote, an is part of the Nussdorf weir and lock complex, arch bridge located in the valley of the same located at the point where the Donaukanal name above the Church dedicated to the patron leaves the Danube. Built between 1894 and saint of Monaco. This bridge was originally a rail bridge. Since the underground of the railway sta- 1898, it is still in use as a road bridge. tion, it became a road bridge. — from Wikipedia — from Office des Timbres, Monaco CROATIA 2v Issue date 2 May 2018 STONE BRIDGE (NOVIGRAD NA DOBRI) Among the bridges on the River Dobra, the NORWAY ss bridge near Novigrad na Dobri especially stands Issue date 20 April 2018 out. It was built using cut stone. The bridge is located in a tame valley of the river not too far from a castle built on a hill at the beginning of the 16th century. It was owned by the Frankopan, Zrinski and Patačić families. FRANJO TUĐMAN BRIDGE (DUBROVNIK) The bridge is located on State Highway 8. Its shape and construction solution – one pylon bearing a cable-stayed bridge – is the first and The Hardanger Bridge is not just Norway’s long- est suspension bridge - it is also the eighth long- unique structure of that kind built in Croatia.
    [Show full text]
  • Association for Postal Commerce
    Association for Postal Commerce "Representing those who use or support the use of mail for Business Communication and Commerce" "You will be able to enjoy only those postal rights you believe are worth defending." 1800 Diagonal Rd., Ste 320 * Alexandria, VA 22314-2862 * Ph.: +1 703 524 0096 * Fax: +1 703 997 2414 Postal News for June 2014 June 30, 2014 Roll Call: The White House is throwing in the towel on a comprehensive immigration bill this year, after Speaker John A. Boehner told President Barack Obama last week that he will not allow a vote in the House, according to a White House official. [EdNote: In this environment, can postal reform have even a hair's breadth of a chance?] Financial: A new draft law on postal service that has established the Georgian Post monopoly is not meeting either EU regulations or general conditions of a competitive business environment, said Malkhaz Papelashvili, General Manager at Georgian Express, official representative of DHL Georgia. The company sees huge opportunity in expanding its business in complex logistic and domestic transportation during 2014. Georgia’s express industry showed only 3-4% growth during 2013. The United States Postal Service is planning to resume the rationalization of our network of mail processing facilities which began in 2012. To provide adequate time for planning and preparation, the Postal Service is providing this six-month advance notice of consolidations, for up to 82 facilities, which will begin early January 2015 and be completed by the fall mailing season. The Postal Service will provide detailed information about its network rationalization planning in the coming weeks.
    [Show full text]
  • Association for Postal Commerce
    Association for Postal Commerce "Representing those who use or support the use of mail for Business Communication and Commerce" "You will be able to enjoy only those postal rights you believe are worth defending." 1800 Diagonal Rd., Ste 320 * Alexandria, VA 22314-2862 * Ph.: +1 703 524 0096 * Fax: +1 703 997 2414 Postal News for March 2013 March 31, 2013 WHAS: A postal worker who was once called the laziest mailman in the world is in trouble again. Former mailman Richard Farrell was accused of burning letters back in 2010 and now he's admitting that what he didn't burn, he buried in his backyard. Police have found the burial ground for 35,000 pieces of mail in Belfair, Washington. The mailman says he did it because he didn't like his job and he wanted to spend his days at a local tavern instead of working. Wall Street Journal: Belgium reached a deal early Saturday to curb government spending and sell €1 billion of state-owned assets in order to meet European Union budget goals. It will cut spending on railways, the postal service, defence, development aid and other areas by €249 million. FedBizOpps.gov: Solicitation Number: 6HQOIG-13-A-0006 -- The purpose of this solicitation is to procure services to obtain a supplier who possesses specific subject matter expertise in areas such as assessment of potential commercial value of patents, infringements, potential for recovery of royalties and estimated cost of recovery. The purpose of this task order is to coordinate with the supplier to mutually agree upon and select five (5) patents for review with the highest potential for infringement or licensing.
    [Show full text]
  • 2010-Gd-0065
    GD No: 65/ 10 ',,\ l tsleof Man Government Rei I ty s EI I a¡t Van tti tt A Report by the Migration Policy Group December 2010 Price Band: Price: 82.30 Page 2 of 16 Page 3 of 16 Contents 1. Introduction.............. ...,.......8 2, Changes to UK Immigration Rules ...,... 10 3. Reform of Control of Employment legislation.........,, ..........,.. 13 4. Migration data......... ........... 15 5. Related tasks not charged to the Committee ,....... 15 Page 6 of 16 A Repoft by the Migration Policy Group To: The Hon, N.Q. Cringle, OBE MLC, President of Tynwald and the Honourable the Council and Keys in Tynwald assembled. In presenting this first repoft of the Migration Policy Group I am conscious of the three main priorities which were presented to the group. Namely, the development and implementation of an Isle of Man Points Based System modernisation of the Work Permit Legislation (the TSC doesn't say that)and finally, and in some ways perhaps, most impoftantly to provide a forum to co-ordinate Government's activity with regard to migration to and from the Island. I am also conscious that my tenure as Chair of the Migration Policy Group is somewhat recent, and I would like to thank my predecessors Mr Cretney MHK and Mr Corkish MHK for their previous Chairmanship of the group. I am pleased with the progress which has been made, and I am optimistic that the work of the Committee may have a beneficial impact, I wish in pafticular to thank the officers who have undeftaken the work. Mrs Clare Christian BSc MLC Chairman Page 7 of 16 1.
    [Show full text]