涉嫌逃税甚至洗钱

你朋友和美国公司欠一笔劳务费，如果按法律付钱，你朋友需要在美国缴税。现在美国公司把钱转给你朋友的孩子，美国公司是按什么记账？工资？咨询费？钱丢了？这笔“劳务费”就是涉嫌避税。

如果所谓劳务费本来就是非法所得，把这个非法所得给另外一个人，涉嫌洗钱。

这个美国公司要么不正规，要么在做假帐。这个就叫公司财务不规范，在中国可能没人管（要么怎么有那么多国人“卷款潜逃”），但是在美国，要么税法有麻烦，要么以后公司法有麻烦。

银行当然不知道这么多问题，他们只知道一个外国人在美国银行收到一大笔钱。如果是小银行可能不管，大银行（跨国有分支那种的），经常受查，所以自己也查得严。

你的朋友不要在国际大银行开账户了，这种小动作，去本地小银行或者信用社开一个支票账户好了。

https://www.fincen.gov/statutes_regs/bsa/

"Bank Secrecy Act"

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The Currency and Foreign Transactions Reporting Act of 1970 (which legislative framework is commonly referred to as the "Bank Secrecy Act" or "BSA") requires U.S. financial institutions to assist U.S. government agencies to detect and prevent money laundering. Specifically, the act requires financial institutions to keep records of cash purchases of negotiable instruments, file reports of cash transactions exceeding $10,000 (daily aggregate amount), and to report suspicious activity that might signify money laundering, tax evasion, or other criminal activities. It was passed by the Congress of the United States in 1970. The BSA is sometimes referred to as an "anti-money laundering" law ("AML") or jointly as "BSA/AML." Several AML acts, including provisions in Title III of the USA PATRIOT Act of 2001, have been enacted up to the present to amend the BSA. (See 31 USC 5311-5330 and 31 CFR Chapter X [formerly 31 CFR Part 103] ).