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]
第一点，Whoever, knowing that the property involved in a financial transaction represents the proceeds of some form of unlawful activity
是嫌疑人知道这个款项有“some form of unlawful activity”, 就是说起诉人要证明嫌疑人知道大概犯罪来源，不需要证明嫌疑人知道具体来源是怎么犯罪。
简单说，就是证明主观意愿知道个大概就满足定罪条件。
第二点，conducts or attempts to conduct such a financial transaction which in fact involves the proceeds of specified unlawful activity—
起诉人要证明这个款项确实来自具体的犯罪行为。如果嫌疑人错误认为款项来自犯罪，但是实际上不是来自犯罪，洗钱的行为也不成立。
具体犯罪行为包括贩毒，贿赂等等，其中和你问题相关的，是对国际银行诈骗或者作假。
