Do not think that your account will never be frozen. Do not think that it will never happen to you that your Swiss bank will freeze your account. It can happen.Thousands of accounts are frozen each day for many different reasons. It can happen to you and to your wealth to be frozen for years and years. The EU, the FATF, the OECD, the USA have criminalized Switzerland. All this governmental and non-governmental organisations have accused Switzerland to hide criminal money with anonymous and secret accounts for dictators, generals, warlords, the mafia. That’s not true any more. Switzerland has been forced by all this powerful countries to introduce a very strict AML legislation.
If you do mistakes in the communication with your bank, if you say the wrong argument to your bank you face the risk that your account will remain frozen for years. Therefore, it is crucial to know what steps you have to do to face this frozen account situation with your Swiss bank. In this video you learn how to react if something is going wrong with your account.
If your payment has not been executed within reasonable time, within 2 or maximum 3 days – this means red flag. Be very critical with what the bank is telling you. The IT system is out of order, the banker makes holidays, your account officer is in the hospital, your transfer instruction is missing, than you can be 100% sure: the bank has blocked your account and the bank is lying to you. It’s unbelievable but true. The bank is forced by law to lie to you for a period of 6 days. By virtue of AML the bank is not authorised to say the truth to you.
1: Now you have to be clever. Say nothing. This is my fist advice. Do not communicate with your bank until you have collected all documentary evidence reflecting the economic background of your transaction. Better you do not communicate at all with the bank than to communicate wrong. In such a situation time is everything. You have to convince the bank that your transaction is genuine and legal by providing documentary evidence such as invoice,agreements, correspondence, internet prints on the involved contracting parties etc etc.
2: Appoint a specialized lawyer with professional banking experience, immediately. Do not underestimate this problem. He will communicate for you with your bank. Meanwhile, your banking lawyer will advise you which documents you have to collect. Your lawyer will convince your bank to not file a AML reporting of a suspicious transaction because the documents are on the way to be collected and assembled. It is the job of your banking lawyer to avoid a AML reporting to the MROS, to compose a memorandum in writing with documentary evidence on the economic background.
3: Don’t tell short stories or modified stories to the bank because your underestimate the importance on the background investigation of the bank. This is fatal. This is the biggest mistake beside refusing any communication with the bank. Your wealth is in danger and you need professional support. You have to know that in such a case the bank wants to stay always on the safe side and not on your side. The bank will not protect you anymore.
4: Do not trust your banker anymore. Do not communicate with him or anybody else. He is in a conflict of interest situation. Your private banker is not anymore your friend or your trusted adviser. In the last years the number of such reports for suspicious transactions has increased drastically. The law has discharged the bank. The bank will not compensate you even in case the bank was wrong with the reporting. The law protects the banks. If it is impossible to avoid the reporting of a suspicious transaction to MROS, we always take the phone to find out who is the competent prosecutor in Bern. The MROS will pass over the case to the criminal prosecutor in Bern. In such a situation we don’t write long letters but We prefer to meet the prosecutor in person, face to face in his office, to find out what is behind. We negotiate with the prosecutor immediately in order to avoid further damage with the goal to unfreeze your account.
5: Help your lawyer with the collection of documents. He needs your support to demonstrate the credibility of the transaction and that everything is legal and real.
swissbankinginfo@bluewin.ch
http://swissbankinginfo.blogspot.com
www.swiss-banking-lawyers.com
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