This organization serves as the financial intelligence unit for the United States.

• A. OFAC
• B. FATF
• C. OCC
• D. FinCEN

Answer: (D)

Financial intelligence units are national centers that collect and analyze financial information to identify money laundering and terror financing patterns and to share actionable intelligence with authorities. In the United States, that role is filled by FinCEN, the Financial Crimes Enforcement Network. FinCEN operates within the Treasury and administers Bank Secrecy Act reporting, such as suspicious activity reports and currency transaction reports, turning raw transaction data from banks and other reporters into analyses that support investigations and regulatory actions. It coordinates AML enforcement and policy across agencies, providing the intelligence backbone for law enforcement and regulatory efforts. The other organizations serve different functions: OFAC handles sanctions designations and enforcement; FATF sets international AML standards; OCC is a bank regulator overseeing national banks. FinCEN is the US FIU.