Andreas Frank - AML/CFT* Expert
Illicit Finance, Illicit Trade and the Fight against Money Laundering
Andreas Frank who passed away in 2024, dedicated over 30 yeas to combating Anti-Money Laundering (AML) and Countering the Financing of Terror (CFT). In 2010 he established the global association UAML – United Against Money Laundering.
Andreas Frank was a graduate of the University of Munich with a degree in commercial studies and has held prominent positions as a former associate at Goldman Sachs and as a director at HSBC.
With over 30 years of specialized experience in combating Money Laundering and Countering the Financing of Terror, he provided advisory support to various esteemed institutions, including the German Bundestag, the Council of Europe (CoE), and the European Parliament’s PANA and TAX3 committees, which focus on investigations into financial misconduct and tax-related issues.
Additionally, Andreas Frank served as a Steering Committee Member of the Parliamentary Intelligence-Security Forum, collaborating with international organizations, non-governmental organizations, and national law enforcement agencies to address money laundering and terrorism financing challenges.
He frequently shared his expertise as a speaker at both national and international AML/CFT conferences.
Der Kampf gegen Geldwäsche findet so gut wie nicht statt
March 1, 2024, Podcast Deutsche Welle (DW)
Absoluter Freifahrtschein für Kriminalität
December 2023, BZ Die Stimme Berlins
Experten über das Clan-Urteil: “Absoluter Freifahrtschein für Kriminalität”
Why the mafia loves Germany
June 2023 – Deutsche Welle
Italian icecream parlors in Germany became the focus of raids against the mafia
Was läuft schief beim Kampf gegen GELDWÄSCHE?
May 4, 2023, ZDF (German public broadcast service)
Money laundering paradise Germany - why criminals have an easy game
Februar 2023, Der Funkstreifzug
FROM: Arne Meyer-Fünffinger, Gabriel Wirth
Germany is a paradise – for money launderers. Experts have been saying this for a long time now, and not just off the record. According to a scientific study, criminals launder 100 billion euros in this country every year – a very conservative estimate. Large sums of black money are stashed in real estate, jewellery and cars. Criminals use local banks for this and are usually ahead of the supervisory authorities. Experts say that the supervisory authorities function poorly or not at all. They are also sceptical about the proposal for a Federal Financial Criminal Police Office.
Buchpräsentation "Dreckiges Geld"
February 9, 2023, 19 h
Andreas Frank und Markus Zydra präsentieren ihr Buch „Dreckiges Geld“ – Wie Putins Oligarchen, die Mafia und Terroristen die westliche Demokratie angreifen“
Prostitution, Raub, Drogen, Terror, Menschenhandel, Umweltverbrechen. Sie lohnen sich nur, wenn Kriminelle Geldwäsche betreiben. Nimmt man Kriminellen das dreckige Geld, trifft man sie am härtesten. Doch Deutschland tut in dieser Hinsicht praktisch nichts. Die Autoren zeigen mit ihrem Buch, woran das liegt und was nun zu tun ist.
Grundsteuerreform verschont Geldwäscher
One must not reward criminal banks with privileges
November 17, 2022, US department of Labor (DOL)
United States Government
HEARING ON PROPOSED AMENDMENT TO THE QUALIFIED PROFESSIONAL ASSET MANAGER (QPAM) EXEMPTION
(PROHIBITED TRANSACTION CLASS EXEMPTION 84-14)
Application No. D–12022 Post Hearing Comment
Elizabeth Warren United States Senator / Tina Smith United States Senator
QPAM exemptions should be seen as privileges that have to be earned.
Criminality should not be rewarded.
Dirty Money - Dreckiges Geld - Buch von Andreas Frank und Markus Zydra
September 2022
Dreckiges Geld
Wie Putins Oligarchen, die Mafia und Terroristen die westliche Demokratie angreifen
Andreas Frank and Markus Zydra
Verlag: PIPER
ISBN: 978-3492070898
Suisse Secrets?
In January 2015, Andreas Frank testified at the US Department of Labor and provided evidence of Credit Suisse harassment on 4 continents.
Finanzkriminalität: "Versagen in allen Bereichen"
September 6, 2021
Financial crime: “Failure in all areas”
“The reports of the Federal Audit Office are so remarkable because they confirm the failure of the responsible state bodies in all areas of the Money Laundering Act since it came into force in 1993”
Geldwäsche-Paradies Deutschland – Money Laundering Paradise Germany
Film by Robert Grantner
with AML/CFT Expert Andreas Frank
Warum nicht ran an die illegalen Schwarzvermögen?
Why not go after the illegal black assets?
Get the money launderers’ trillions. Alternatives to finance the Corona crisis!
Bundesanwalt Michael Lauber / Attorney General Michael Lauber
Anzeige wegen Begünstigung – Charges of favouritism – Second investigator appointed against ex-Attorney General
Hat Bundesanwalt Lauber ein Strafverfahren verhindert? – Did Attorney General Lauber prevent criminal proceedings? The Office of the Attorney General of Switzerland left a complaint unresolved for three years. Now Attorney General Lauber is threatened with proceedings for possible favouritism.Connection between Hybrid Warfare, Money Laundering and Offshore Structures
Was ist eigentlich Hybride Kriegsführung?What is Hybrid Warfare? Police Seminar Kloster Banz 06.10.2022
Andreas Frank in the tireless fight against money laundering.
Fake economy – ScheinwirtschaftAndreas Frank, International Expert Anti-Money Laundering:
Rede im United States Senate 2019:
17th Parliamentary Intelligence-Security Forum in Washington.
Hybrid Warfare, Money Laundering, Offshore Structures
In his statement to the public hearing of the experts of the Finance Committee on the draft law on the EU Money Laundering Directive of the Federal Government, the money laundering expert Andreas Frank published a “Field report on offshore structures”. (Appendix A of the statement).
“Erfahrungsbericht Offshore-Strukturen”
Kripoz.de/ Stellungnahmen/
Bundestag.de/Presse Press (PDF)
Deutschlands Problem mit der Geldwäsche/ Deutschlandfunk
Kampf der Bundesregierung gegen Geldwäsche
Strafanzeige gegen Ministerpräsident Oettinger – Lasche Geldwäsche-Bekämpfung (PDF) – Criminal complaint against Minister President Oettinger/Lax money laundering
Vor der EU-Anhörung – Oettingers Problem mit dem Thema Geldwäsche
Oettinger: Strafanzeige wg. Geldwäsche
Mafia-WahlskandalZur Geldwäsche nach Stuttgart
Schäuble_Biografie: Zwei Leben/ Kapitel 21
Anklage unerwünscht – Korruption und Willkür in der deutschen Justiz
Finanz-Treff
Alternatives for financing the Corona crisis
Against money laundering and corruption - A retired couple gets involved
March 23, 2020
Gegen Geldwäsche und Korruption – Ein Rentner-Paar engagiert sich
Gegen Geldwäsche und Korruption – Ein Rentner-Paar engagiert sich (PDF)
Blütenrein – Wie bekämpft Deutschland die Geldwäsche?
Der harte Kampf eines Ehepaares gegen Geldwäsche
Scheinwirtschaft
June 8, 2019, Süddeutsche Zeitung: Scheinwirtschaft
Our great Friend and inspiring Colleague Andreas Frank has passed away
“… this week, suddenly, of an embolism, at home near Stuttgart, while working on his computer (on his 48th wedding anniversary) on his favorite project — fighting hard to get the EU + German gov authorities to finally crack down on Intl money laundering, organized crime, and dirty banks and politicians.
Andreas was one of the first to warn about the direct threat that dirty money posed to democracy. After a successful career at Goldman Sachs, he spent years lobbying and writing and litigating to get tough AML laws not only enacted but enforced against giant banks like UBS, Credit Suisse, HSBC, Deutsche, Pictet, and Goldman itself. He was one of the most determined champions of tax justice and the rule of law I’ve ever known.
In 2015 Andreas led a team of John Christensen, Ralph Nader, Paul Morjanoff, Bart Naylor, and myself to try and get the US DOL to ban the serially convicted tax felon Credit Suisse from advising US pension funds. We produced a day long hearing in DC that was attended by dozens of bank lobbyist and attorneys. It was eye opening, but we failed — CS and its lead attorney Chris Wray (now FBI Director since 2017) got a 5 year waiver.
In 2019 they somehow got another waiver. In 2021-22, as Andreas and our team had warned, CS got convicted of another financial fraud, and were finally ejected by DOL. Then their reputation was so damaged that they had to be rescued from bankruptcy by the Swiss Government, which merged them into UBS — another serial convict.
In Fall 2023, partly guided by Andreas’ wisdom, DOL finally adopted most of the tighter regulations that we had proposed. But the battle with the “bad banks” has continued right up to now — in the EU, the US, and influential posh havens like the UAE and Mauritius and the Isle of Jersey.
Through all this, Mr Andreas Frank never lost hope or determination. Instead he gave it to others. He used to call me every week with a report from the front, good or bad. He was especially insightful about the connection between the return of fascism in Europe and the US, and the role of organized financial crime —a connection that we now see infecting every key democracy. He kept beating this drum until I finally understood how right he was.
Now suddenly he is gone. I am devastated.
But Andreas would not want us to skip a beat or waste a minute. Especially not in these perilous times, with the wolves at the door and every single precious value we hold dear up for grabs — once again. If we want to honor Andreas, I know he’d prefer that we just put our heads down and try to keep on organizing for a better world.
Dear Andreas, our brother. You live on in our hearts.
Es tut mir so leid. Ruhe in Frieden.”
Wednesday 26 Jun 2024
James S. Henry, Esq.
Global Justice Fellow, Yale U.
https://globaljustice.yale.edu
Member, NY Bar (1979-)
Coop Att., ACLU/NYCLU
Sr Advisor, TJN (2005-22)
Bd, Amnesty USA (2020-21)
Contrib Ed, Amer Interest (2013-21)
Poynter Prize (Yale, 2019)
Edward R. Murrow Fellow (Fletcher, 2010-11)
Sr Fellow, Col. U Center on Sustainable Invest. (2014-22)
Dear James, Friends and all his Colleagues in his Fight against AML/CFT
Thank you for your honorable Obituary.
Our hearts are broken, and your words are balm for our souls.
Soon we will publish his latest report. He was working until his last breath on a comprehensive report with hundreds of documents.
We will continue the group www.UAML.org “United Against Money Laundering” under the leadership of Prof James S. Henry.
UNITED AGAINST MONEY LAUNDERING
Instead of flowers, please donate to the Pforzheim animal shelter or Rottweiler (Rotti) in need.
Andreas Frank, born on 24.08.1951, died on 26.06.2024
- You were a husband with whom it was never boring.
- You were a father who was always a great role model for me.
- You were a father who inspired me.
- You were a grandfather who explored the forest with us at night with oil lamps and made the best “Spätzle” in the world.
- You were a reliable friend.
– You were a freedom fighter
- Since the 1990s, you have been arguing with German chancellors so that they do more in the fight against drug money from criminals.
- As an individual citizen, you initiated infringement proceedings against Germany because Germany has not implemented the applicable money laundering laws.
- You have lodged a complaint with the Federal Constitutional Court because German governments are jeopardising the health and freedom of citizens through their inaction.
- You have filed a criminal complaint against a prime minister because he did not take action against criminal money.
- In 2022, you wrote the book “Dirty Money”, in which you describe the dangers of this political failure for democracy.
- You were attacked, threatened, slandered, and defamed by your opponents because of your commitment.
- You died too soon. At your desk, fighting for freedom and the rule of law.
We will miss you.
His Sons and wife Dagmar
Grandchildren
The remarkable eulogy by Pastor Bernhard Würfel.
Traueransprache Andreas Frank | Speech of the funeral
Andreas with Coco
and Cami