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AML/CFT Compliance Officerकार्यान्वयन अधिकारी (सम्पत्ति शुद्धीकरण निवारण)The compliance officer is the management-level official who heads a bank's AML/CFT unit, ensures compliance with the law and NRB directives, and sends suspicious transaction reports to the FIU.Risk & ComplianceAccount Openingखाता खोल्ने प्रक्रियाThe process of establishing a deposit relationship: identifying and verifying the customer under KYC rules, choosing the account type, recording the specimen signature and mandate, and activating the account.Deposits & AccountsAccount Payee Chequeएकाउन्ट पेयी चेक (खातामा मात्र)A crossed cheque marked "account payee" (खातामा मात्र), which the bank may pay only by crediting the account of the person named as payee.Cheques & InstrumentsAccrual Basis of Accountingप्रोदभावी लेखा आधारUnder the accrual basis, income is recorded when earned and expenses when incurred, regardless of when cash is received or paid.Profitability & Financial AnalysisAcquiring Bankप्राप्तकर्ता बैंकAn acquiring bank is the bank that contracts with merchants to accept card and digital payments, provides terminals or gateways, and credits the merchant with the sale proceeds.Payments & Digital BankingActual and Available Balanceवास्तविक र उपलब्ध मौज्दातActual (ledger) balance is the total amount recorded in an account; available balance is the part the customer can actually withdraw or spend right now after holds, uncleared items and required minimum balance are deducted.Banking BasicsAdditional Tier 1 CapitalAT1अतिरिक्त प्राथमिक पुँजीPerpetual, subordinated capital instruments that are not common equity but can absorb losses while the bank is a going concern, counted in Tier 1 alongside CET1.Capital & BaselAdvance Payment GuaranteeAPGअग्रिम भुक्तानी जमानतAn advance payment guarantee is a bank guarantee that secures an advance paid by a buyer or employer to a supplier or contractor, so the advance can be recovered if the work is not performed.Forex & Trade FinanceAgency Bankingएजेन्सी बैंकिङDelivery of basic banking services through third-party agents (business correspondents) appointed by a bank, such as local shops or cooperatives, instead of through the bank's own branch.Banking BasicsAir WaybillAWBएयरवे बिलAn air waybill is a transport document issued by an airline or its agent for air cargo, serving as a receipt for goods and evidence of the contract of carriage, but not as a document of title.Forex & Trade FinanceAnti-Money Laundering and Combating the Financing of TerrorismAML/CFTसम्पत्ति शुद्धीकरण निवारण तथा आतङ्ककारी कार्यमा वित्तीय लगानी निवारणAML/CFT is the set of laws, institutions and controls that prevent criminals from disguising illegal proceeds and stop funds from reaching terrorists or weapons proliferators.Risk & ComplianceAny Branch Banking Service (ABBS)ABBSजुनसुकै शाखा बैंकिङ सेवा (एबीबीएस)A facility that lets a customer deposit, withdraw or transfer money from any branch of the same bank, not only the branch where the account was opened.Banking BasicsAsia/Pacific Group on Money LaunderingAPGएसिया प्यासिफिक ग्रुप अन मनी लाउन्डरिङThe APG is the FATF-style regional body for the Asia-Pacific region whose members commit to implement international AML/CFT standards and undergo mutual evaluations.InstitutionsAsian Development BankADBएसियाली विकास बैंकThe Asian Development Bank is a regional multilateral development bank that provides loans, technical assistance, grants and equity investments to promote social and economic development in Asia and the Pacific.InstitutionsAsset Liability CommitteeALCOसम्पत्ति दायित्व व्यवस्थापन समितिA management committee in a bank that reviews liquidity, funding, interest rates and balance-sheet risks and decides on corrective steps.LiquidityAsset Liability ManagementALMसम्पत्ति दायित्व व्यवस्थापनThe coordinated management of a bank's assets and liabilities, mainly their maturities, interest rate sensitivity and currencies, to control liquidity risk and interest rate risk while protecting earnings.LiquidityAuction of Collateralधितो लिलामीAuction of collateral is the public sale of a defaulting borrower's pledged or mortgaged property by the bank to recover the unpaid loan.Loans & CreditAudit Committeeलेखापरीक्षण समितिThe audit committee is a board committee of non-executive directors that oversees a bank's financial reporting, internal control, internal audit and the work of external auditors.Risk & ComplianceAutomated Teller MachineATMस्वचालित टेलर मेसिनAn ATM is a self-service machine that lets bank customers withdraw cash and perform basic transactions without a teller.Payments & Digital Banking