Maudindo a KYC

Mawu Oyamba Kuti Mudziwe Makasitomala Anu

Dongosolo la Know Your Customer (KYC) ndi mwala wapangodya wa malamulo oletsa kuba ndalama (AML), opangidwa kuti athandize mabungwe azamalamulo, akatswiri opereka chithandizo, ndi mabungwe azachuma kutsimikizira makasitomala awo. Pokhazikitsa macheke amphamvu a KYC, makampani amatha kuwonetsetsa kuti amangolumikizana ndi anthu ovomerezeka komanso mabungwe ovomerezeka, kuchepetsa chiwopsezo chakuba ndalama, kupereka ndalama zauchigawenga, ndi milandu ina yazachuma. Njira ya KYC imaphatikizapo kusonkhanitsa ndi kutsimikizira zambiri za kasitomala, zochita za bizinesi, ndi mbiri yake yomwe ili pachiwopsezo. Izi sizimangothandiza makampani azamalamulo kuyang'anira ndalama zamakasitomala motetezeka komanso zimalimbikitsa kukhulupirirana ndi kuwonekera pabizinesi iliyonse. Njira zogwira mtima za KYC ndizofunikira kuti zitsatire malamulo adziko lonse komanso apadziko lonse lapansi, kuteteza kukhulupirika kwa kampaniyo komanso njira zambiri zachuma.

Zofunikira Zamalamulo za KYC

Makampani azamalamulo amakhala ndi zofunikira zalamulo zikafika pakukhazikitsa njira za KYC. Zofunikirazi zafotokozedwa m'malamulo osiyanasiyana adziko ndi m'madera, zonse zomwe cholinga chake ndi kulimbana ndi kuwononga ndalama ndikuwonetsetsa kukhulupirika kwa kayendetsedwe ka zachuma. Mwachitsanzo, ku UK, makampani azamalamulo amayenera kutsatira malamulo a 2017 a 2017 a Money Laundering, Trerrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017. Ku United States, Bank Secrecy Act (BSA) ndi USA PATRIOT Act imafuna kuti makampani azamalamulo agwiritse ntchito njira za AML ndi KYC kuti atsimikizire za kasitomala ndi kuyang'anira zochitika. Mosasamala kanthu zaulamuliro, makampani azamalamulo ayenera kutsimikizira makasitomala awo, kumvetsetsa mtundu wa bizinesi yawo, ndikuwunika chiwopsezo chokhudzana ndi kasitomala aliyense ndikuchitapo kanthu. Potsatira malamulowa, makampani amathandizira kuti asagwiritse ntchito molakwika ntchito zawo pochita zinthu zosemphana ndi malamulo komanso amaonetsetsa kuti ndalama zonse za kasitomala zimayendetsedwa moyenera.

Upangiri wa Maudindo a KYC | Dutch Legal Compliance

Pokhala kampani yamalamulo & yamisonkho yomwe idakhazikitsidwa ku Netherlands, timakakamizidwa kutsatira malamulo aku Dutch ndi EU anti money laundering. malamulo ndi malamulo omwe amatikakamiza kutsatira malamulo kuti tipeze umboni womveka bwino wa kasitomala wathu monga chofunikira mwalamulo tisanayambe ntchito yathu komanso ubale wathu wabizinesi.

Kuti tigwirizane ndi izi, tidzafunika zolemba zotsatirazi kuti tidziwe, kutsimikizira maadiresi, ndi kuwunika mbiri yabizinesi. Chiwonetsero chotsatirachi chikuwonetsa zambiri zomwe timafuna nthawi zambiri komanso mtundu womwe chidziwitsochi chiyenera kuperekedwa kwa ife. Ngati, nthawi iliyonse, mungafunike chitsogozo china, tidzapereka thandizo laukadaulo poyambira izi.

Chidziwitso chanu

Nthawi zonse timafuna chikalata chotsimikizika chotsimikizika, chomwe chimatsimikizira dzina lanu ndi adilesi yanu. Zolemba izi ziyenera kutsimikiziridwa kuti ndizowona komanso kuti zikutsatira njira zathu za KYC. Sitingathe kuvomereza makope ojambulidwa. Ngati mukuwoneka muofesi yathu titha kukuzindikirani ndikukutumizirani zikalata zamafayilo athu.

• Pasipoti yovomerezeka yovomerezeka (yodziwika komanso yoperekedwa ndi apostille);

• Khadi lazidziwitso la ku Europe;

adiresi yanu

Chimodzi mwazoyambira kapena makope owona (osapitilira miyezi 3):

• Satifiketi yakunyumba;

• Ndalamayi yaposachedwa yamagesi, magetsi, telefoni yakunyumba kapena zofunikira zina;

• Chiwonetsero cha msonkho wapano;

• Mawu ochokera kubanki kapena bungwe lazachuma.

Letter of reference

Nthawi zambiri tidzafuna kalata yofotokozera yoperekedwa ndi katswiri wodziwa ntchito kapena amene wadziwa munthuyo kwa chaka chimodzi (mwachitsanzo, notary, woyimira mlandu chartered accountant kapena banki), lomwe limanena kuti munthuyo amaonedwa kuti ndi munthu wodalirika ndipo sayembekezeredwa kugulitsa mankhwala osokoneza bongo, zigawenga kapena uchigawenga.

Mbiri yaku bizinesi

Kuti tigwirizane ndi zofunikira zotsatiridwa, nthawi zambiri tidzayenera kukhazikitsa bizinesi yanu; zofunikira izi zikugwira ntchito kwa anthu ndi mabizinesi omwe amatsatira malamulo a KYC. Izi zikuyenera kuthandizidwa ndi umboni wa zikalata, deta ndi magwero odalirika azidziwitso, monga mwachitsanzo:

• Chidule;

• Zomwe zapezedwa posachedwa pa registry yamalonda;

• Timabuku totsatsa malonda ndi tsamba;

• Malipoti apachaka;

• Zolemba nkhani;

• Kusankhidwa kwa Board.

Makampani omwe akugwira ntchito m'magawo olamulidwa ayenera kupereka zolemba zina kuti awonetse kutsata. Makampani akuyembekezekanso kupanga mfundo zamtundu wa KYC kuti athetse mbali zonse zoyenera kutsatira. Magawo osiyanasiyana a pulogalamu yotsatirira angafunike zolemba kapena njira zinazake.

Kutsimikizira gwero lanu loyambira chuma ndi ndalama

Chimodzi mwazinthu zofunika kwambiri zomwe tiyenera kukwaniritsa ndikukhazikitsa komwe ndalama zomwe mumagwiritsa ntchito pothandizira Kampani/Entity/Foundation. Njirayi imathandizira kuchepetsa chiopsezo cha kuwononga ndalama komanso umbanda wazachuma. Mabungwe azamalamulo akuyenera kuchita macheke awa ngati gawo lazofunikira zawo.

Zolemba Zowonjezera (ngati Kampani / Bungwe / Maziko akukhudzidwa)

Pamene kampani, bungwe, kapena maziko akukhudzidwa, makampani azamalamulo amayenera kuchitapo kanthu kuti atsimikizire zomwe akuchita komanso zomwe akuchita. Izi nthawi zambiri zimafuna kupeza zikalata zovomerezeka monga zolemba zamakampani, ziphaso zolembetsa, ndi manambala amisonkho. Kuphatikiza apo, makampani azamalamulo angafunikire kutsimikizira kuti ndi ndani anthu ofunika kwambiri omwe amagwirizana ndi bungweli, kuphatikiza owongolera, omwe ali ndi masheya, ndi eni ake opindulitsa. Mwa kuwunikiranso bwino zolembazi ndikutsimikizira kuvomerezeka kwa bizinesiyo ndi oyimilira ake, makampani azamalamulo amatha kuchepetsa chiopsezo chobera ndalama ndikuwonetsetsa kuti akutsatira malamulo onse ofunikira. Kulimbikira kumeneku ndikofunikira pakuwongolera zoopsa komanso kusunga kukhulupirika kwa ntchito zamakampani.

Zolemba Zowonjezera (ngati kampani / Gulu / Foundation ikukhudzidwa)

Kutengera ndi mtundu wa mautumiki omwe mukufuna, kapangidwe kake komwe mukufuna upangiri ndi kapangidwe komwe mukufuna kuti tikhazikitse, muyenera kupereka zolemba zina. Malamulo a KYC ndi AML akuyenera kukhazikitsidwa kumakampani onse, mabungwe, ndi maziko kuti awonetsetse kuti akutsatira.

Kufunika kwa Kutsata kwa KYC muzochita zamalamulo

Kutsatira udindo wa KYC sikungofunika mwalamulo komanso ndi gawo lofunikira kwambiri posunga umphumphu ndi mbiri ya kampani yathu. Potsimikizira makasitomala omwe ali nawo komanso kumvetsetsa mbiri yawo yamabizinesi, timathandiza kupewa kuchita zinthu zosaloledwa ndi boma monga kubera ndalama, kupereka ndalama zauchigawenga, ndi milandu ina yazachuma. Kasamalidwe koyenera kamakhala ndi gawo lofunikira pakuwunika njira zotsatiridwa ndi kuwunika zoopsa, kuwonetsetsa kuti njira zonse zikuyendetsedwa bwino ndikuyang'aniridwa. Kulimbikira kumeneku kumateteza kasitomala ndi kampani powonetsetsa kuti maubwenzi onse abizinesi akuwonekera poyera komanso akutsatira malamulo omwe akuyenera kuchitika.

Kupewa Upandu Wazachuma ndi KYC

Njira za KYC ndi chida chofunikira polimbana ndi umbanda wazachuma. Potsimikizira kuti kasitomala ndi ndani komanso kumvetsetsa bwino zomwe amachita bizinesi yawo, mabungwe azamalamulo amatha kuzindikira ndikuchepetsa kuopsa kokhudzana ndi kubera ndalama, kupatsa ndalama zauchigawenga, ndi zina zoletsedwa. Macheke ogwira mtima a KYC amathandiza makampani kuzindikira zochitika zokayikitsa, monga kusamutsidwa kwachilendo kapena magwero andalama osadziwika bwino, ndikuwuza akuluakulu oyenerera. Kwa makasitomala omwe akuwoneka kuti ali pachiwopsezo chachikulu, makampani azamalamulo atha kupempha zolemba zina, monga chikalata chaposachedwa cha banki kapena umboni wa adilesi, kuti awonetsetse kuti akuyenera kuchitidwa mosamala. Pokhazikitsa njirazi, mabungwe azamalamulo amagwira ntchito yofunika kwambiri poteteza kayendetsedwe kazachuma ndikusunga malamulo apamwamba kwambiri.

Kuwongolera Ndalama za Makasitomala ndi Kuwunika Zowopsa

Monga gawo la njira zathu zotsatirira, poyang'anira ndalama za kasitomala, timawunika mozama za chiopsezo kuti tidziwe zoopsa zilizonse zomwe zingachitike ndi kasitomala kapena ntchitoyo. Izi zikuphatikizapo kuwunika momwe kasitomala amagwirira ntchito komanso kuyang'anitsitsa zochitika zilizonse zokayikitsa. Kuchita zinthu zoyenera kuti titsimikizire zomwe zaperekedwa kumatithandiza kuchepetsa zoopsa komanso kuonetsetsa kuti timatsatira miyezo yapamwamba kwambiri ya ukatswiri.

Kuyang'anira Kopitilira ndi Maudindo a Makasitomala

Kutsata kwa KYC ndi njira yopitilira. Kupitilira kutsimikizira koyambirira, timawunika mosalekeza ubale wamabizinesi ndi zochitika kuti tizindikire zachilendo kapena zokayikitsa. Makasitomala alinso ndi udindo wopitilira kupereka zidziwitso ndi zolembedwa zosinthidwa momwe zingafunikire, kuwonetsetsa kuti mbiri yawo imakhala yolondola komanso yogwirizana ndi malamulo a KYC. Makasitomala alinso ndi udindo wopereka zambiri kapena zolemba akafunsidwa, zomwe zimatithandiza kumvetsetsa bwino mbiri yawo ndikuwonetsetsa kuti akutsatira nthawi yonse yaubwenzi.

Njira Zabwino Kwambiri Zotsata KYC

Kuti akwaniritse kutsata koyenera kwa KYC, makampani azamalamulo akuyenera kutsata njira zabwino zomwe zimapitilira zofunikira pakuwongolera. Izi zikuphatikizapo kuwunika mozama za kuopsa kwa kasitomala aliyense, kutsimikizira kuti ndi ndani pogwiritsa ntchito zikalata zodalirika komanso zamakono, ndikuyang'anira mosalekeza zochitika zamakasitomala pazochitika zokayikitsa. Kukhazikitsa malamulo omveka bwino amkati ndi njira zowunikira ma KYC ndikofunikira, monganso kupereka maphunziro pafupipafupi kwa ogwira ntchito kuti awonetsetse kuti ali ndi zida zodziwira ndikuwongolera zoopsa zomwe zingachitike. Makampani azamalamulo akuyeneranso kukhala ndi ndondomeko zoyendetsera makasitomala omwe ali pachiwopsezo chachikulu ndikuwuza akuluakulu omwe akukayikitsa chilichonse. Potsatira njira zabwino izi, makampani azamalamulo amatha kuchepetsa chiwopsezo chakuba ndalama ndi milandu ina yazachuma, kusungabe kutsata malamulo onse, ndikupanga chikhulupiriro chosatha ndi makasitomala awo.