https://www.law.cornell.edu/uscode/text/18/1956
18 U.S. Code § 1956. Laundering of monetary instruments
(a) (1) Whoever, knowing that the property involved in a financial transaction represents the proceeds of some form of unlawful activity, conducts or attempts to conduct such a financial transaction which in fact involves the proceeds of specified unlawful activity—
(A)
(i) with the intent to promote the carrying on of specified unlawful activity; or
(ii) with intent to engage in conduct constituting a violation of section 7201 or 7206 of the Internal Revenue Code of 1986; or
....
(7) the term “specified unlawful activity” means—
(A) any act or activity constituting an offense listed in section 1961(1) of this title except an act which is indictable under subchapter II of chapter 53 of title 31;
(B) with respect to a financial transaction occurring in whole or in part in the United States, an offense against a foreign nation involving—
...
(iii) fraud, or any scheme or attempt to defraud, by or against a foreign bank (as defined in paragraph 7 of section 1(b) of the International Banking Act of 1978)); [1]
第一點，Whoever, knowing that the property involved in a financial transaction represents the proceeds of some form of unlawful activity
是嫌疑人知道這個款項有“some form of unlawful activity”, 就是說起訴人要證明嫌疑人知道大概犯罪來源，不需要證明嫌疑人知道具體來源是怎麽犯罪。
簡單說，就是證明主觀意願知道個大概就滿足定罪條件。
第二點，conducts or attempts to conduct such a financial transaction which in fact involves the proceeds of specified unlawful activity—
起訴人要證明這個款項確實來自具體的犯罪行為。如果嫌疑人錯誤認為款項來自犯罪，但是實際上不是來自犯罪，洗錢的行為也不成立。
具體犯罪行為包括販毒，賄賂等等，其中和你問題相關的，是對國際銀行詐騙或者作假。
