{"id":27375,"date":"2026-10-14T08:46:31","date_gmt":"2026-10-14T01:46:31","guid":{"rendered":"https:\/\/www.nanovest.io/blog\/?p=27375"},"modified":"2026-10-14T08:46:31","modified_gmt":"2026-10-14T01:46:31","slug":"bank-of-america-didenda-us12-miliar","status":"publish","type":"post","link":"https:\/\/www.nanovest.io/blog\/berita\/bank-of-america-didenda-us12-miliar-27375\/","title":{"rendered":"Gagal Awasi Transaksi, Bank of America Didenda US$1,2 Miliar"},"content":{"rendered":"<p><a href=\"https:\/\/nanovest.go.link\/page=IndividualStockDetail?action=navigate&amp;is_param=true&amp;symbol=BAC&amp;adj_t=1rhus2a1&amp;adj_deep_link=nanovest%3A%2F%2Fpage%3DIndividualStockDetail%3Faction%3Dnavigate%26is_param%3Dtrue%26symbol%3DBAC\"><span style=\"font-weight: 400;\">Bank of America (BAC)<\/span><\/a><span style=\"font-weight: 400;\">, salah satu bank terbesar di Amerika Serikat, menghadapi sanksi regulasi lebih dari US$1,21 miliar setelah otoritas AS menemukan kegagalan dalam sistem pencegahan pencucian uang dan pemantauan aktivitas keuangan mencurigakan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sanksi tersebut diumumkan Departemen Keuangan AS pada Selasa, 13 Oktober 2026. Regulator menemukan bahwa Bank of America selama bertahun-tahun tidak menjalankan sejumlah kewajiban kepatuhan secara memadai, termasuk pelaporan transaksi mencurigakan dan pemeriksaan terhadap rekening lembaga keuangan asing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pengumuman ini muncul kurang dari sehari sebelum Bank of America dijadwalkan merilis laporan keuangan kuartal III 2026 pada Rabu, 14 Oktober.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kabar tersebut turut menekan saham BAC dalam perdagangan setelah jam bursa. Perusahaan juga telah mengonfirmasi bahwa sanksi tersebut akan memengaruhi laba yang dilaporkan untuk kuartal III.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_88 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Daftar Isi <\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.nanovest.io/blog\/berita\/bank-of-america-didenda-us12-miliar-27375\/#Bank_of_America_Didenda_Lebih_dari_US121_Miliar\" >Bank of America Didenda Lebih dari US$1,21 Miliar\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.nanovest.io/blog\/berita\/bank-of-america-didenda-us12-miliar-27375\/#Regulator_Temukan_Kegagalan_Pelaporan_Transaksi_US5_Miliar\" >Regulator Temukan Kegagalan Pelaporan Transaksi US$5 Miliar\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.nanovest.io/blog\/berita\/bank-of-america-didenda-us12-miliar-27375\/#Sanksi_Baru_Menyusul_Masalah_Kepatuhan_Sejak_2024\" >Sanksi Baru Menyusul Masalah Kepatuhan Sejak 2024<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.nanovest.io/blog\/berita\/bank-of-america-didenda-us12-miliar-27375\/#Saham_BAC_Turun_Denda_Akan_Tekan_Laba_Kuartal_III\" >Saham BAC Turun, Denda Akan Tekan Laba Kuartal III\u00a0<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Bank_of_America_Didenda_Lebih_dari_US121_Miliar\"><\/span><b>Bank of America Didenda Lebih dari US$1,21 Miliar\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Departemen Keuangan AS melalui Financial Crimes Enforcement Network (FinCEN) menjatuhkan denda sebesar US$1,2 miliar kepada Bank of America atas pelanggaran kewajiban anti pencucian uang.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Denda tersebut menjadi yang terbesar ketiga dalam sejarah penegakan hukum FinCEN, setelah sanksi terhadap Binance sebesar US$3,4 miliar pada 2023 dan TD Bank sebesar US$1,3 miliar pada 2024.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Office of the Comptroller of the Currency (OCC), regulator perbankan AS, juga menetapkan denda perdata sebesar US$750 juta, yang merupakan sanksi terbesar dalam sejarah lembaga tersebut.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Namun, denda OCC diperhitungkan sebagai bagian dari penyelesaian FinCEN, bukan ditambahkan di atas US$1,2 miliar.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Secara terpisah, Office of Foreign Assets Control (OFAC) mengumumkan penyelesaian sebesar US$11,6 juta terkait 475 dugaan pelanggaran program sanksi AS, termasuk yang berkaitan dengan Rusia dan Iran.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dengan demikian, total sanksi dan penyelesaian regulasi yang diumumkan mencapai sekitar US$1,2116 miliar.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tindakan tersebut menjadi salah satu sanksi kepatuhan terbesar yang dikenakan terhadap lembaga perbankan AS dalam beberapa tahun terakhir.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Regulator_Temukan_Kegagalan_Pelaporan_Transaksi_US5_Miliar\"><\/span><b>Regulator Temukan Kegagalan Pelaporan Transaksi US$5 Miliar\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Pelanggaran utama yang diidentifikasi regulator berkaitan dengan kegagalan Bank of America mempertahankan sistem pemantauan transaksi dan pelaporan aktivitas mencurigakan yang memadai.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Menurut Departemen Keuangan AS, bank tersebut gagal melaporkan tepat waktu transaksi mencurigakan senilai lebih dari US$5 miliar.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dari jumlah tersebut, lebih dari US$1 miliar melibatkan aktivitas yang berkaitan dengan risiko keamanan nasional dan prioritas penegakan hukum lainnya.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Regulator mengidentifikasi sejumlah indikator aktivitas yang berpotensi berkaitan dengan jaringan pencucian uang China, perdagangan narkotika, penipuan, serta pencucian uang berbasis perdagangan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Meski demikian, nilai US$5 miliar tersebut merupakan jumlah transaksi yang seharusnya dilaporkan sebagai aktivitas mencurigakan, bukan nilai dana yang seluruhnya telah terbukti berasal dari tindak pidana.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dalam penyelesaiannya dengan FinCEN, Bank of America mengakui telah secara sengaja melanggar ketentuan Bank Secrecy Act (BSA), termasuk kegagalan mempertahankan program anti pencucian uang yang memadai, menjalankan pemeriksaan terhadap rekening korespondensi asing, dan menyampaikan laporan aktivitas mencurigakan secara tepat waktu.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Regulator juga menemukan kelemahan dalam pengawasan internal, termasuk sistem yang tidak memadai untuk menentukan transaksi mana yang memerlukan investigasi lebih lanjut.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Menurut Departemen Keuangan, bank terlalu bergantung pada investigasi penegak hukum dan informasi dari lembaga keuangan lain untuk mengidentifikasi aktivitas mencurigakan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kegagalan tersebut dinilai telah berlangsung lama dan mencerminkan masalah yang lebih luas dalam pengendalian internal perusahaan.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Sanksi_Baru_Menyusul_Masalah_Kepatuhan_Sejak_2024\"><\/span><b>Sanksi Baru Menyusul Masalah Kepatuhan Sejak 2024<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Sanksi terbaru bukan merupakan tindakan regulasi pertama terhadap sistem anti pencucian uang Bank of America.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pada Desember 2024, OCC telah mengeluarkan perintah penghentian dan perbaikan yang mewajibkan bank mengatasi kelemahan dalam sistem kepatuhan BSA dan anti pencucian uang.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Perintah tersebut mencakup perbaikan sistem pendeteksian transaksi mencurigakan, prosedur pemeriksaan pelanggan, serta mekanisme pelaporan kepada regulator. Namun, menurut OCC, Bank of America belum menunjukkan kemajuan yang memadai dalam memperbaiki sejumlah masalah tersebut.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sebagai bagian dari penyelesaian terbaru, bank diwajibkan melakukan peninjauan independen terhadap transaksi mencurigakan yang sebelumnya tidak terdeteksi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Penilaian oleh pihak ketiga juga akan mencakup efektivitas sistem pemantauan transaksi, pemeriksaan pelanggan, dan pengawasan rekening korespondensi asing. Bank of America menyatakan telah menginvestasikan miliaran dolar dalam teknologi kepatuhan dan melibatkan ribuan karyawan untuk menangani risiko kejahatan keuangan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Perusahaan juga menyampaikan bahwa upaya perbaikan telah berjalan dan biaya pelaksanaannya sudah tercermin dalam basis pengeluaran operasional saat ini.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dengan demikian, selain kewajiban membayar denda, Bank of America masih harus menyelesaikan langkah-langkah perbaikan untuk memenuhi persyaratan regulator.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Saham_BAC_Turun_Denda_Akan_Tekan_Laba_Kuartal_III\"><\/span><b>Saham BAC Turun, Denda Akan Tekan Laba Kuartal III\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Pengumuman sanksi tersebut langsung mendapat respons dari pasar saham. Pada Selasa, 13 Oktober 2026, saham Bank of America ditutup di sekitar US$53,96, turun 1,14% selama sesi reguler.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dalam perdagangan setelah jam bursa, saham BAC kembali melemah sekitar 2,29% menjadi US$52,73 setelah berita denda diumumkan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pergerakan tersebut terjadi menjelang rilis laporan keuangan kuartal III Bank of America yang dijadwalkan pada Rabu, 14 Oktober.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bank memperkirakan akan mencatat beban sebesar US$1,2 miliar yang tidak dapat dikurangkan dari pajak dalam laporan keuangan kuartal tersebut. Beban ini diperkirakan mengurangi laba bersih sekitar US$0,17 per saham.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Meski dampak finansial langsung dari denda telah diungkapkan, investor masih perlu mencermati perkembangan biaya kepatuhan, pelaksanaan perbaikan sistem, serta hasil operasional perusahaan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sanksi tersebut tidak disertai pembatasan terhadap ukuran aset Bank of America. Namun, kewajiban peninjauan independen dan perbaikan pengawasan internal tetap menjadi bagian dari tindak lanjut regulasi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Menjelang pengumuman earnings, perhatian pasar akan tertuju pada bagaimana beban denda memengaruhi laba yang dilaporkan, serta perkembangan pendapatan bunga, kualitas kredit, dan kinerja bisnis perbankan Bank of America secara keseluruhan.<\/span><\/p>\n<div style=\"background: linear-gradient(135deg, #111827, #1F2937); padding: 24px; border-radius: 14px; margin: 28px 0; text-align: center; color: #ffffff;\">\n<p style=\"margin: 0 0 8px; font-size: 21px; line-height: 1.4; color: #ffffff;\"><strong>Bank of America Kena Denda, Bagaimana Prospek BAC?<\/strong><\/p>\n<p style=\"max-width: 650px; margin: 0 auto 20px; font-size: 14px; line-height: 1.7; color: #e5e7eb;\">Sanksi US$1,2 miliar menjadi perhatian baru menjelang earnings Bank of America. Pantau saham BAC dan saham AS lainnya melalui Nanovest, serta ikuti perkembangan sektor perbankan dan update pasar terbaru di News &amp; Artikel Tips Nanovest.<\/p>\n<div style=\"display: flex; flex-wrap: wrap; justify-content: center; gap: 10px;\">\n<p><a style=\"display: inline-flex; align-items: center; justify-content: center; padding: 11px 18px; border-radius: 8px; background: #7C3AED; color: #ffffff; font-size: 14px; font-weight: bold; text-decoration: none;\" href=\"https:\/\/www.nanovest.io\/saham-amerika\/BAC\/\" target=\"_blank\" rel=\"noopener noreferrer\">Pantau Saham BAC di Nanovest<br \/>\n<\/a><\/p>\n<p><a style=\"display: inline-flex; align-items: center; justify-content: center; padding: 11px 18px; border-radius: 8px; background: #ffffff; color: #7c3aed; font-size: 14px; font-weight: bold; text-decoration: none;\" href=\"https:\/\/www.nanovest.io\/blog\/\" target=\"_blank\" rel=\"noopener noreferrer\">Baca News &amp; Artikel Tips \u2192<br \/>\n<\/a><\/p>\n<\/div>\n<p style=\"max-width: 650px; margin: 16px auto 0; font-size: 11px; line-height: 1.55; color: #9ca3af;\">Investasi memiliki risiko. Lakukan riset mandiri dan pertimbangkan profil risiko sebelum mengambil keputusan investasi.<span style=\"color: #333333; font-size: 14px;\">\u00a0<\/span><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Bank of America (BAC), salah satu bank terbesar di Amerika Serikat, menghadapi sanksi regulasi lebih dari US$1,21 miliar setelah otoritas AS menemukan kegagalan dalam sistem pencegahan pencucian uang dan pemantauan aktivitas keuangan mencurigakan. Sanksi tersebut diumumkan Departemen Keuangan AS pada Selasa, 13 Oktober 2026. Regulator menemukan bahwa Bank of America selama bertahun-tahun tidak menjalankan sejumlah<\/p>\n","protected":false},"author":35,"featured_media":27376,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[80,39],"tags":[332,74,28,52,29],"class_list":["post-27375","post","type-post","status-publish","format-standard","has-post-thumbnail","category-berita","category-saham-as","tag-bank-of-america-bac","tag-berita","tag-saham-amerika","tag-saham-as","tag-us-stocks"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.2 - aioseo.com -->\n\t<meta name=\"description\" content=\"Bank of America didenda lebih dari US$1,21 miliar akibat kegagalan pengawasan transaksi mencurigakan. 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