{"id":49561,"date":"2026-04-17T09:25:00","date_gmt":"2026-04-17T07:25:00","guid":{"rendered":"https:\/\/www.investglass.com\/?p=49561"},"modified":"2026-04-17T09:31:15","modified_gmt":"2026-04-17T07:31:15","slug":"customer-identification-program-building-a-compliant-sovereign-cip-with-investglass","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/ar\/customer-identification-program-building-a-compliant-sovereign-cip-with-investglass\/","title":{"rendered":"\u0643\u064a\u0641 \u064a\u0645\u0643\u0646 \u0644\u0640 InvestGlass \u062a\u0628\u0633\u064a\u0637 \u062c\u0647\u0648\u062f \u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u064a\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0648\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644\u061f"},"content":{"rendered":"<h2 class=\"wp-block-heading\" id=\"h-introduction-to-customer-identification-program-cip\"><span class=\"ez-toc-section\" id=\"Introduction_to_Customer_Identification_Program_CIP\"><\/span>\u0645\u0642\u062f\u0645\u0629 \u0641\u064a \u0628\u0631\u0646\u0627\u0645\u062c \u062a\u062d\u062f\u064a\u062f \u0647\u0648\u064a\u0629 \u0627\u0644\u0639\u0645\u064a\u0644 (CIP)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0628\u0631\u0646\u0627\u0645\u062c \u062a\u062d\u062f\u064a\u062f \u0647\u0648\u064a\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0647\u0648 \u0625\u0637\u0627\u0631 \u0639\u0645\u0644 \u0625\u0644\u0632\u0627\u0645\u064a \u064a\u064f\u0644\u0632\u0645 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0628\u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0647\u0648\u064a\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0642\u0628\u0644 \u0625\u0642\u0627\u0645\u0629 \u0639\u0644\u0627\u0642\u0629 \u062a\u062c\u0627\u0631\u064a\u0629 \u0645\u0639\u0647\u0645. \u0648\u064a\u0646\u062f\u0631\u062c \u0647\u0630\u0627 \u0627\u0644\u0625\u062c\u0631\u0627\u0621 \u0627\u0644\u0631\u0642\u0627\u0628\u064a \u0627\u0644\u0623\u0633\u0627\u0633\u064a \u0636\u0645\u0646 \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0623\u0648\u0633\u0639 \u0646\u0637\u0627\u0642\u064b\u0627 \u0644\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0648\u00ab\u0627\u0639\u0631\u0641 \u0639\u0645\u064a\u0644\u0643\u00bb (KYC) \u0648\u0627\u0644\u062a\u062d\u0642\u0642 \u0627\u0644\u0648\u0627\u062c\u0628 \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u0627\u0621.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0641\u064a \u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u062d\u062f\u0629\u060c \u064a\u0646\u0635 \u0627\u0644\u0628\u0646\u062f 326 \u0645\u0646 \u0642\u0627\u0646\u0648\u0646 \u00ab\u0627\u0644\u0648\u0637\u0646\u064a \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u00bb (USA PATRIOT Act) \u0648\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0633\u0631\u064a\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0639\u0644\u0649 \u0623\u0646 \u062a\u0642\u0648\u0645 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u062e\u0627\u0636\u0639\u0629 \u0644\u0647\u0630\u064a\u0646 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0646 \u0628\u062a\u0637\u0628\u064a\u0642 \u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0645\u0643\u062a\u0648\u0628\u0629 \u0648\u0642\u0627\u0626\u0645\u0629 \u0639\u0644\u0649 \u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0644\u0644\u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u0647\u0648\u064a\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621. \u0648\u064a\u064f\u0639\u062f \u0628\u0631\u0646\u0627\u0645\u062c \u062a\u062d\u062f\u064a\u062f \u0647\u0648\u064a\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 (CIP) \u0627\u0644\u062e\u0627\u0635 \u0628\u0627\u0644\u0628\u0646\u0643 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u0641\u0631\u0636\u0647\u0627 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0641\u064a\u062f\u0631\u0627\u0644\u064a \u0644\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0647\u0648\u064a\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0639\u0646\u062f \u0641\u062a\u062d \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0645\u0624\u0633\u0633\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u0623\u062e\u0631\u0649 \u0648\u0628\u0639\u0636 \u0627\u0644\u0627\u0633\u062a\u062b\u0646\u0627\u0621\u0627\u062a. \u0648\u062a\u064f\u0639\u062f \u0647\u0630\u0647 \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0623\u0633\u0627\u0633\u064a\u0629 \u0644\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0644\u0644\u0648\u0627\u0626\u062d \u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644\u060c \u0648\u062a\u062e\u0636\u0639 \u0644\u0623\u0637\u0631 \u062a\u0639\u0627\u0642\u062f\u064a\u0629 \u0648\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0639\u0644\u0649 \u062d\u062f \u0633\u0648\u0627\u0621. \u0648\u062a\u0648\u062c\u062f \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0645\u0645\u0627\u062b\u0644\u0629 \u0641\u064a \u062c\u0645\u064a\u0639 \u0623\u0646\u062d\u0627\u0621 \u0623\u0648\u0631\u0648\u0628\u0627 \u0628\u0645\u0648\u062c\u0628 \u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0627\u0644\u0631\u0627\u0628\u0639\u0629 \u0648\u0627\u0644\u062e\u0627\u0645\u0633\u0629 \u0648 <a href=\"https:\/\/www.investglass.com\/ar\/%d9%85%d8%a7-%d9%87%d9%88-%d8%a7%d9%84%d8%aa%d9%88%d8%ac%d9%8a%d9%87-%d8%a7%d9%84%d8%b3%d8%a7%d8%af%d8%b3-%d9%84%d9%85%d9%83%d8%a7%d9%81%d8%ad%d8%a9-%d8%ba%d8%b3%d9%8a%d9%84-%d8%a7%d9%84%d8%a3%d9%85\/\" target=\"_self\">\u062a\u0648\u062c\u064a\u0647\u0627\u062a \u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u064a\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0633\u0627\u062f\u0633\u0629<\/a> \u0648\u0644\u0648\u0627\u0626\u062d \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0628\u0631\u064a\u0637\u0627\u0646\u064a\u0629 \u0644\u0639\u0627\u0645 2017.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0625\u0646\u0641\u0633\u062a \u062c\u0644\u0627\u0633 \u062a\u0648\u0641\u0631 <a href=\"https:\/\/www.investglass.com\/ar\/%d9%85%d8%a7%d8%b0%d8%a7-%d8%aa%d8%b9%d9%86%d9%8a-%d8%a7%d9%84%d8%b3%d9%8a%d8%a7%d8%af%d8%a9\/\" target=\"_self\">\u0627\u0644\u0633\u064a\u0627\u062f\u0629<\/a>, \u060c \u0648\u0647\u0648 \u0628\u062f\u064a\u0644 \u0645\u0633\u062a\u0636\u0627\u0641 \u0641\u064a \u0633\u0648\u064a\u0633\u0631\u0627 \u0644\u0644\u0645\u0646\u0635\u0627\u062a \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0629 \u0623\u0648 \u0627\u0644\u0635\u064a\u0646\u064a\u0629 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0633\u064a\u0631 \u0639\u0645\u0644 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0644\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0627\u0644\u062f\u0648\u0644\u064a\u0629 (CIP) \u0627\u0644\u0631\u0642\u0645\u064a\u0629. \u0648\u064a\u064f\u0639\u062f \u0627\u0644\u0645\u0643\u062a\u0628 \u0627\u0644\u0645\u062d\u0644\u064a \u0628\u0645\u062b\u0627\u0628\u0629 \u0645\u0648\u0642\u0639 \u0641\u0639\u0644\u064a \u064a\u062a\u0645 \u0641\u064a\u0647 \u062a\u0646\u0641\u064a\u0630 \u0625\u062c\u0631\u0627\u0621\u0627\u062a \u062a\u062d\u062f\u064a\u062f \u0647\u0648\u064a\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0648\u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646\u0647\u0627 \u0648\u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0630\u0627\u062a \u0627\u0644\u0635\u0644\u0629\u060c \u0645\u0645\u0627 \u064a\u062f\u0639\u0645 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0648\u064a\u064a\u0633\u0631 \u0627\u0644\u062a\u0641\u0627\u0639\u0644 \u0645\u0639 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0645\u062d\u0644\u064a\u064a\u0646. \u0648\u064a\u062d\u0645\u064a \u0647\u0630\u0627 \u0627\u0644\u0646\u0647\u062c \u0633\u064a\u0627\u062f\u0629 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0645\u0639 \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u062a\u064a \u062a\u062d\u062a\u0627\u062c\u0647\u0627 \u0641\u0631\u0642 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u062d\u062f\u064a\u062b\u0629.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u0634\u0645\u0644 \u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0639\u0645\u0644\u064a\u0629 \u0644\u0623\u064a \u0628\u0631\u0646\u0627\u0645\u062c \u0644\u062a\u062d\u062f\u064a\u062f \u0647\u0648\u064a\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 (CIP) \u0645\u0646\u0639 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0648\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0631\u0647\u0627\u0628 \u0648\u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644 \u0648\u0633\u0631\u0642\u0629 \u0627\u0644\u0647\u0648\u064a\u0629. \u0648\u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u0628\u0646\u0648\u0643 \u0648\u0645\u062f\u064a\u0631\u064a \u0627\u0644\u062b\u0631\u0648\u0627\u062a \u0648\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u0643\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u062e\u0627\u0636\u0639\u0629 \u0644\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0623\u062e\u0631\u0649\u060c \u0641\u0625\u0646 \u0648\u062c\u0648\u062f \u0628\u0631\u0646\u0627\u0645\u062c \u0642\u0648\u064a \u0644\u062a\u062d\u062f\u064a\u062f \u0647\u0648\u064a\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 (CIP) \u064a\u062f\u0639\u0645 \u0639\u0645\u0644\u064a\u0629 \u0642\u0628\u0648\u0644 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0628\u0634\u0643\u0644 \u0622\u0645\u0646 \u0648\u064a\u0639\u0632\u0632 \u062b\u0642\u0629 \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u0631\u0642\u0627\u0628\u064a\u0629.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"701\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2024\/05\/InvestGlass-Automation-2024-1024x701.png\" alt=\"\u0623\u062a\u0645\u062a\u0629 \u0646\u0638\u0627\u0645 &quot;\u0627\u0639\u0631\u0641 \u0639\u0645\u064a\u0644\u0643&quot; (InvestGlass)\" class=\"wp-image-40537\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2024\/05\/InvestGlass-Automation-2024-1024x701.png 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2024\/05\/InvestGlass-Automation-2024-300x205.png 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2024\/05\/InvestGlass-Automation-2024-768x526.png 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2024\/05\/InvestGlass-Automation-2024-1536x1052.png 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2024\/05\/InvestGlass-Automation-2024.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">\u0623\u062a\u0645\u062a\u0629 \u0646\u0638\u0627\u0645 \"\u0627\u0639\u0631\u0641 \u0639\u0645\u064a\u0644\u0643\" (InvestGlass)<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-customer-identification-program-cip\"><span class=\"ez-toc-section\" id=\"What_is_a_Customer_Identification_Program_CIP\"><\/span>\u0645\u0627 \u0647\u0648 \u0628\u0631\u0646\u0627\u0645\u062c \u062a\u062d\u062f\u064a\u062f \u0647\u0648\u064a\u0629 \u0627\u0644\u0639\u0645\u064a\u0644 (CIP)\u061f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0628\u0631\u0646\u0627\u0645\u062c \u062a\u062d\u062f\u064a\u062f \u0647\u0648\u064a\u0629 \u0627\u0644\u0639\u0645\u064a\u0644 \u0647\u0648 \u0625\u062c\u0631\u0627\u0621 \u0645\u0643\u062a\u0648\u0628 \u0642\u0627\u0626\u0645 \u0639\u0644\u0649 \u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u060c \u064a\u0647\u062f\u0641 \u0625\u0644\u0649 \u062c\u0645\u0639 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062a\u0639\u0631\u064a\u0641\u064a\u0629 \u0648\u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0647\u0648\u064a\u0629 \u0627\u0644\u0639\u0645\u064a\u0644 \u0642\u0628\u0644 \u0641\u062a\u062d \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0623\u0648 \u0627\u0644\u062f\u062e\u0648\u0644 \u0641\u064a \u0639\u0644\u0627\u0642\u0629 \u062a\u062c\u0627\u0631\u064a\u0629. \u0648\u062a\u0642\u062a\u0636\u064a \u0642\u0627\u0639\u062f\u0629 \u0628\u0631\u0646\u0627\u0645\u062c \u062a\u062d\u062f\u064a\u062f \u0647\u0648\u064a\u0629 \u0627\u0644\u0639\u0645\u064a\u0644 (CIP) \u0645\u0646 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0623\u0646 \u062a\u062a\u0648\u0635\u0644 \u0625\u0644\u0649 \u0642\u0646\u0627\u0639\u0629 \u0645\u0639\u0642\u0648\u0644\u0629 \u0628\u0623\u0646\u0647\u0627 \u0639\u0644\u0649 \u0639\u0644\u0645 \u0628\u0627\u0644\u0647\u0648\u064a\u0629 \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u0629 \u0644\u0643\u0644 \u0639\u0645\u064a\u0644.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0648\u062a\u0634\u0645\u0644 \u0627\u0644\u0623\u0633\u0633 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0645\u0627 \u064a\u0644\u064a:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u0627\u062e\u062a\u0635\u0627\u0635 \u0627\u0644\u0642\u0636\u0627\u0626\u064a<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u062a\u0634\u0631\u064a\u0639\u0627\u062a \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0629<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u0645\u0627\u062f\u0629 326 \u0645\u0646 \u0642\u0627\u0646\u0648\u0646 \u00ab\u0628\u0627\u062a\u0631\u064a\u0648\u062a\u00bb \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u060c \u0648\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0633\u0631\u064a\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 (31 CFR 1020.220)<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0628\u0631\u0646\u0627\u0645\u062c \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u062f\u0627\u062e\u0644\u064a (CIP) \u0627\u0644\u0645\u0643\u062a\u0648\u0628\u060c \u0648\u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0627\u0644\u0647\u0648\u064a\u0629\u060c \u0648\u0641\u062d\u0635 \u0627\u0644\u0639\u0642\u0648\u0628\u0627\u062a\u060c \u0648\u0627\u0644\u0627\u062d\u062a\u0641\u0627\u0638 \u0628\u0627\u0644\u0633\u062c\u0644\u0627\u062a \u0644\u0645\u062f\u0629 5 \u0633\u0646\u0648\u0627\u062a<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u0627\u062a\u062d\u0627\u062f \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u062a\u0648\u062c\u064a\u0647\u0627\u062a \u0627\u0644\u0631\u0627\u0628\u0639\u0629 \u0625\u0644\u0649 \u0627\u0644\u0633\u0627\u062f\u0633\u0629 \u0628\u0634\u0623\u0646 \u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0639\u0646\u0627\u064a\u0629 \u0627\u0644\u0648\u0627\u062c\u0628\u0629 \u062a\u062c\u0627\u0647 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0642\u0628\u0644 \u0625\u0642\u0627\u0645\u0629 \u0627\u0644\u0639\u0644\u0627\u0642\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629\u060c \u0648\u0627\u0644\u0646\u0647\u062c \u0627\u0644\u0642\u0627\u0626\u0645 \u0639\u0644\u0649 \u0627\u0644\u0645\u062e\u0627\u0637\u0631<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0644\u0648\u0627\u0626\u062d \u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0644\u0639\u0627\u0645 2017 (\u0645\u064f\u062d\u062f\u064e\u0651\u062b\u0629 \u0641\u064a \u0639\u0627\u0645 2023)<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0647\u0648\u064a\u0629 \u0627\u0644\u0645\u0633\u0627\u0647\u0645\u064a\u0646 (CDD)\u060c \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0627\u0644\u0641\u0639\u0644\u064a\u0629\u060c \u0627\u0644\u0645\u0631\u0627\u0642\u0628\u0629 \u0627\u0644\u0645\u0633\u062a\u0645\u0631\u0629<\/p><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u0646\u0637\u0628\u0642 \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u00ab\u0645\u0639\u0631\u0641\u0629 \u0627\u0644\u0639\u0645\u064a\u0644\u00bb (CIP) \u0639\u0644\u0649 \u0627\u0644\u0628\u0646\u0648\u0643\u060c \u0648\u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062e\u0627\u0635\u0629\u060c \u0648\u0627\u0644\u062a\u0639\u0627\u0648\u0646\u064a\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629\u060c \u0648\u0645\u062f\u064a\u0631\u064a \u0627\u0644\u062b\u0631\u0648\u0627\u062a \u0648\u0627\u0644\u0623\u0635\u0648\u0644\u060c \u0648\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u060c \u0648\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u060c \u0648\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u062f\u0641\u0639\u060c \u0648\u0645\u0642\u062f\u0645\u064a \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u0645\u0634\u0641\u0631\u0629\u060c \u0648\u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0623\u062e\u0631\u0649 \u0645\u062b\u0644 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0648\u0633\u0627\u0637\u0629 \u0648\u0627\u0644\u062a\u062f\u0627\u0648\u0644 \u0648\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u060c \u0648\u064a\u062c\u0628 \u0639\u0644\u0649 \u062c\u0645\u064a\u0639 \u0647\u0630\u0647 \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0644\u0647\u0630\u0647 \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0627\u0644\u0631\u0643\u0627\u0626\u0632 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0627\u0644\u0623\u0631\u0628\u0639 \u0644\u0628\u0631\u0646\u0627\u0645\u062c CIP \u0647\u064a:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u062c\u0645\u0639 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0621 (\u0627\u0644\u0627\u0633\u0645\u060c \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0645\u064a\u0644\u0627\u062f\u060c \u0627\u0644\u0639\u0646\u0648\u0627\u0646\u060c \u0631\u0642\u0645 \u0627\u0644\u0647\u0648\u064a\u0629)<\/li>\n\n\n\n<li>\u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0645\u0646 \u062e\u0644\u0627\u0644 \u0623\u0633\u0627\u0644\u064a\u0628 \u0645\u0633\u062a\u0646\u062f\u064a\u0629 \u0623\u0648 \u063a\u064a\u0631 \u0645\u0633\u062a\u0646\u062f\u064a\u0629<\/li>\n\n\n\n<li>\u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0642\u0648\u0627\u0626\u0645 \u0627\u0644\u062d\u0643\u0648\u0645\u0629 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0627\u0644\u0625\u0631\u0647\u0627\u0628\u064a\u064a\u0646 \u0627\u0644\u0645\u0639\u0631\u0648\u0641\u064a\u0646 \u0623\u0648 \u0627\u0644\u0645\u0634\u062a\u0628\u0647 \u0628\u0647\u0645 \u0648\u0627\u0644\u0623\u0634\u062e\u0627\u0635 \u0627\u0644\u062e\u0627\u0636\u0639\u064a\u0646 \u0644\u0644\u0639\u0642\u0648\u0628\u0627\u062a<\/li>\n\n\n\n<li>\u0627\u0644\u0627\u062d\u062a\u0641\u0627\u0638 \u0628\u0627\u0644\u0633\u062c\u0644\u0627\u062a \u0644\u0641\u062a\u0631\u0627\u062a \u0627\u0644\u0627\u062d\u062a\u0641\u0627\u0638 \u0627\u0644\u0645\u062d\u062f\u062f\u0629<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0628\u0639\u0636 \u0627\u0644\u0639\u0645\u0644\u0627\u0621\u060c \u0645\u062b\u0644 \u0623\u0648\u0644\u0626\u0643 \u0627\u0644\u0630\u064a\u0646 \u0644\u0627 \u064a\u062d\u0645\u0644\u0648\u0646 \u0648\u062b\u0627\u0626\u0642 \u0647\u0648\u064a\u0629 \u0642\u064a\u0627\u0633\u064a\u0629 \u0623\u0648 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0623\u062c\u0627\u0646\u0628 \u0627\u0644\u0630\u064a\u0646 \u0644\u0627 \u064a\u0645\u062a\u0644\u0643\u0648\u0646 \u0631\u0642\u0645 \u062a\u0639\u0631\u064a\u0641\u060c \u0642\u062f \u064a\u062a\u0637\u0644\u0628 \u0627\u0644\u0623\u0645\u0631 \u0625\u062c\u0631\u0627\u0621\u0627\u062a \u062a\u062d\u0642\u0642 \u0645\u062e\u0635\u0635\u0629 \u0628\u0645\u0648\u062c\u0628 \u0628\u0631\u0646\u0627\u0645\u062c \u00ab\u0627\u0644\u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u0627\u0644\u0639\u0645\u0644\u0627\u0621\u00bb (CIP).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u064a\u0645\u062b\u0644 \u0628\u0631\u0646\u0627\u0645\u062c &quot;\u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0647\u0648\u064a\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621&quot; (CIP) \u0627\u0644\u062e\u0637\u0648\u0629 \u0627\u0644\u0623\u0648\u0644\u0649 \u0636\u0645\u0646 \u062f\u0648\u0631\u0629 \u062d\u064a\u0627\u0629 &quot;\u0627\u0644\u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u0627\u0644\u0639\u0645\u064a\u0644&quot; (KYC) \u0627\u0644\u0623\u0648\u0633\u0639 \u0646\u0637\u0627\u0642\u064b\u0627\u060c \u0648\u0627\u0644\u062a\u064a \u062a\u0645\u062a\u062f \u0644\u062a\u0634\u0645\u0644 \u0627\u0644\u0645\u0631\u0627\u0642\u0628\u0629 \u0627\u0644\u0645\u0633\u062a\u0645\u0631\u0629 \u0648\u0627\u0644\u0639\u0646\u0627\u064a\u0629 \u0627\u0644\u0648\u0627\u062c\u0628\u0629 \u0627\u0644\u0645\u0639\u0632\u0632\u0629 \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0630\u0648\u064a \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0639\u0627\u0644\u064a\u0629.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-regulatory-objectives-and-risk-mitigation\"><span class=\"ez-toc-section\" id=\"Regulatory_objectives_and_risk_mitigation\"><\/span>\u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0648\u062a\u062e\u0641\u064a\u0641 \u0627\u0644\u0645\u062e\u0627\u0637\u0631<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u062a\u0648\u0642\u0639 \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0623\u0646 \u062a\u062b\u0628\u062a \u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 (CIPs) \u0648\u062c\u0648\u062f \u064a\u0642\u064a\u0646 \u0645\u0639\u0642\u0648\u0644 \u0628\u0623\u0646 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0639\u0644\u0649 \u0639\u0644\u0645 \u0628\u0627\u0644\u0647\u0648\u064a\u0629 \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u0629 \u0644\u0643\u0644 \u0639\u0645\u064a\u0644\u060c \u0625\u0644\u0649 \u0627\u0644\u062d\u062f \u0627\u0644\u0645\u0639\u0642\u0648\u0644 \u0648\u0627\u0644\u0645\u0645\u0643\u0646 \u0639\u0645\u0644\u064a\u064b\u0627. \u0648\u062a\u0642\u0648\u0645 \u0627\u0644\u062c\u0647\u0629 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0627\u0644\u0641\u064a\u062f\u0631\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u062e\u062a\u0635\u0629 \u0648\u0627\u0644\u0647\u064a\u0626\u0627\u062a \u0627\u0644\u0645\u0645\u0627\u062b\u0644\u0629\u060c \u0645\u062b\u0644 \u0634\u0628\u0643\u0629 \u0645\u0643\u0627\u0641\u062d\u0629 \u0627\u0644\u062c\u0631\u0627\u0626\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0628\u0641\u062d\u0635 \u0645\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u062a\u0645\u062a\u0644\u0643 \u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0643\u0627\u0641\u064a\u0629 \u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u062a\u062d\u0642\u0642.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u062a\u0628\u0639 \u0633\u064a\u0627\u0633\u0627\u062a \u00ab\u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629\u00bb (CIP) \u0627\u0644\u062d\u062f\u064a\u062b\u0629 \u0646\u0647\u062c\u064b\u0627 \u0642\u0627\u0626\u0645\u064b\u0627 \u0639\u0644\u0649 \u0627\u0644\u0645\u062e\u0627\u0637\u0631. \u0648\u0647\u0630\u0627 \u064a\u0639\u0646\u064a \u062a\u0637\u0628\u064a\u0642 \u0625\u062c\u0631\u0627\u0621\u0627\u062a \u062a\u062f\u0642\u064a\u0642 \u0623\u0643\u062b\u0631 \u0635\u0631\u0627\u0645\u0629 \u0639\u0644\u0649 \u0627\u0644\u0634\u0631\u0627\u0626\u062d \u0630\u0627\u062a \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0639\u0627\u0644\u064a\u0629 (\u0645\u062b\u0644 \u0627\u0644\u0623\u0634\u062e\u0627\u0635 \u0627\u0644\u0645\u0639\u0631\u0636\u064a\u0646 \u0633\u064a\u0627\u0633\u064a\u064b\u0627 \u0623\u0648 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0645\u0646 \u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0642\u0636\u0627\u0626\u064a\u0629 \u0639\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631)\u060c \u0645\u0639 \u0627\u0644\u0633\u0645\u0627\u062d \u0628\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0645\u0628\u0633\u0637\u0629 \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0634\u0631\u0639\u064a\u064a\u0646 \u0630\u0648\u064a \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u0646\u062e\u0641\u0636\u0629.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0642\u062f \u064a\u0624\u062f\u064a \u0639\u062f\u0645 \u0643\u0641\u0627\u064a\u0629 \u0625\u062c\u0631\u0627\u0621\u0627\u062a \u062a\u062d\u062f\u064a\u062f \u0647\u0648\u064a\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 (CIP) \u0625\u0644\u0649 \u0639\u0648\u0627\u0642\u0628 \u0648\u062e\u064a\u0645\u0629. \u0641\u0642\u062f \u0639\u064f\u0632\u064a\u062a \u0627\u0644\u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u062a\u064a \u0623\u0628\u0631\u0645\u0647\u0627 \u0628\u0646\u0643 HSBC \u0628\u0642\u064a\u0645\u0629 $1.9 \u0645\u0644\u064a\u0627\u0631 \u0641\u064a \u0639\u0627\u0645 2012 \u062c\u0632\u0626\u064a\u064b\u0627 \u0625\u0644\u0649 \u0636\u0639\u0641 \u0636\u0648\u0627\u0628\u0637 \u062a\u062d\u062f\u064a\u062f \u0647\u0648\u064a\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621. \u0648\u0641\u064a \u0627\u0644\u0622\u0648\u0646\u0629 \u0627\u0644\u0623\u062e\u064a\u0631\u0629\u060c \u0623\u0628\u0644\u063a\u062a \u0648\u0643\u0627\u0644\u0629 \u0645\u0643\u0627\u0641\u062d\u0629 \u0627\u0644\u062c\u0631\u0627\u0626\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (FinCEN) \u0639\u0646 \u0623\u0643\u062b\u0631 \u0645\u0646 1.5 \u0645\u0644\u064a\u0648\u0646 \u062a\u0642\u0631\u064a\u0631 \u0639\u0646 \u0623\u0646\u0634\u0637\u0629 \u0645\u0634\u0628\u0648\u0647\u0629 \u0641\u064a \u0639\u0627\u0645 2024 \u062a\u062a\u0639\u0644\u0642 \u0628\u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644 \u0641\u064a \u0627\u0644\u0647\u0648\u064a\u0629\u060c \u0645\u0645\u0627 \u064a\u0624\u0643\u062f \u0627\u0633\u062a\u0645\u0631\u0627\u0631 \u0647\u0630\u0627 \u0627\u0644\u062e\u0637\u0631.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u064a\u064f\u0648\u062c\u0650\u0651\u0647 \u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0630\u064a \u062a\u062c\u0631\u064a\u0647 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0645\u062a\u0628\u0639\u0629 \u0644\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0647\u0648\u064a\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0648\u0636\u0645\u0627\u0646 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644\u060c \u0648\u0630\u0644\u0643 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u062d\u062f\u064a\u062f \u0646\u0642\u0627\u0637 \u0627\u0644\u0636\u0639\u0641 \u0641\u064a \u0645\u0631\u062d\u0644\u0629 \u0642\u0628\u0648\u0644 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u062c\u062f\u062f. \u0648\u064a\u0624\u062f\u064a \u0627\u0644\u0625\u062e\u0644\u0627\u0644 \u0628\u0630\u0644\u0643 \u0625\u0644\u0649 \u062a\u0639\u0631\u064a\u0636 \u0627\u0644\u0645\u0624\u0633\u0633\u0629 \u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0625\u0646\u0641\u0627\u0630 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u060c \u0648\u0639\u0642\u0648\u0628\u0627\u062a \u0645\u062f\u0646\u064a\u0629 \u062a\u0635\u0644 \u0625\u0644\u0649 $1 \u0645\u0644\u064a\u0648\u0646 \u0639\u0646 \u0643\u0644 \u0645\u062e\u0627\u0644\u0641\u0629 \u0628\u0645\u0648\u062c\u0628 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0641\u064a\u062f\u0631\u0627\u0644\u064a\u060c \u0641\u0636\u0644\u0627\u064b \u0639\u0646 \u0625\u0644\u062d\u0627\u0642 \u0636\u0631\u0631 \u062f\u0627\u0626\u0645 \u0628\u0633\u0645\u0639\u062a\u0647\u0627.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-protection-against-financial-crime-and-reputational-harm\"><span class=\"ez-toc-section\" id=\"Protection_against_financial_crime_and_reputational_harm\"><\/span>\u0627\u0644\u062d\u0645\u0627\u064a\u0629 \u0645\u0646 \u0627\u0644\u062c\u0631\u0627\u0626\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u0636\u0631\u0631 \u0628\u0627\u0644\u0633\u0645\u0639\u0629<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u0642\u0644\u0644 \u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u0634\u0627\u0645\u0644\u0629 (CIP) \u0645\u0646 \u0627\u0644\u062a\u0639\u0631\u0636 \u0644\u0623\u0646\u0634\u0637\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0648\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0631\u0647\u0627\u0628 \u0648\u0627\u0646\u062a\u0647\u0627\u0643\u0627\u062a \u0627\u0644\u0639\u0642\u0648\u0628\u0627\u062a \u0648\u0627\u0644\u062c\u0631\u0627\u0626\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0645\u0646\u0639 \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u0636\u0627\u0631\u0629 \u0645\u0646 \u0627\u0644\u062f\u062e\u0648\u0644. \u0648\u064a\u0633\u0627\u0639\u062f \u0627\u0644\u0641\u062d\u0635 \u0645\u0642\u0627\u0628\u0644 \u0642\u0627\u0626\u0645\u0629 \u00ab\u0627\u0644\u0645\u0648\u0627\u0637\u0646\u064a\u0646 \u0627\u0644\u0645\u062d\u062f\u062f\u064a\u0646 \u0628\u0634\u0643\u0644 \u062e\u0627\u0635\u00bb \u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u0639\u0646 \u0645\u0643\u062a\u0628 \u0645\u0631\u0627\u0642\u0628\u0629 \u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u0623\u062c\u0646\u0628\u064a\u0629 (OFAC)\u060c \u0648\u0642\u0648\u0627\u0626\u0645 \u0627\u0644\u0639\u0642\u0648\u0628\u0627\u062a \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0627\u0644\u0627\u062a\u062d\u0627\u062f \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u060c \u0648\u0642\u0648\u0627\u0626\u0645 \u0627\u0644\u0623\u0645\u0645 \u0627\u0644\u0645\u062a\u062d\u062f\u0629\u060c \u0639\u0644\u0649 \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0625\u0631\u0647\u0627\u0628\u064a\u064a\u0646 \u0627\u0644\u0645\u0634\u062a\u0628\u0647 \u0628\u0647\u0645 \u0648\u0627\u0644\u0645\u0646\u0638\u0645\u0627\u062a \u0627\u0644\u0625\u0631\u0647\u0627\u0628\u064a\u0629 \u0642\u0628\u0644 \u0623\u0646 \u062a\u0635\u0628\u062d \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0645\u0641\u062a\u0648\u062d\u0629 \u0646\u0634\u0637\u0629.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u0623\u0645\u0644 \u0647\u0630\u0647 \u0627\u0644\u0633\u064a\u0646\u0627\u0631\u064a\u0648\u0647\u0627\u062a:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u062a\u0642\u0648\u0645 \u0646\u0638\u0627\u0645 CIP \u0627\u0644\u062a\u0627\u0628\u0639 \u0644\u0623\u062d\u062f \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u062a\u062d\u062f\u064a\u062f \u0645\u0642\u062f\u0645 \u0637\u0644\u0628 \u064a\u062a\u0637\u0627\u0628\u0642 \u0631\u0642\u0645 \u062c\u0648\u0627\u0632 \u0633\u0641\u0631\u0647 \u0645\u0639 \u0623\u062d\u062f \u0627\u0644\u0628\u0646\u0648\u062f \u0627\u0644\u0645\u062f\u0631\u062c\u0629 \u0641\u064a \u0642\u0627\u0626\u0645\u0629 \u0627\u0644\u0639\u0642\u0648\u0628\u0627\u062a \u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u0639\u0646 \u0627\u0644\u0627\u062a\u062d\u0627\u062f \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a. \u0648\u064a\u062a\u0645 \u0625\u064a\u0642\u0627\u0641 \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u062a\u0633\u062c\u064a\u0644 \u0645\u0624\u0642\u062a\u064b\u0627 \u0644\u0625\u062c\u0631\u0627\u0621 \u0645\u0631\u0627\u062c\u0639\u0629 \u064a\u062f\u0648\u064a\u0629\u060c \u0645\u0645\u0627 \u064a\u0645\u0646\u0639 \u062d\u062f\u0648\u062b \u0623\u064a \u062e\u0631\u0642 \u0645\u062d\u062a\u0645\u0644.<\/li>\n\n\n\n<li>\u064a\u064f\u062d\u062f\u062f \u0627\u0644\u0641\u062d\u0635 \u0627\u0644\u0622\u0644\u064a \u0627\u0644\u0630\u064a \u064a\u062c\u0631\u064a\u0647 \u0645\u062f\u064a\u0631 \u0627\u0644\u062b\u0631\u0648\u0627\u062a \u0643\u064a\u0627\u0646\u064b\u0627 \u0642\u0627\u0646\u0648\u0646\u064a\u064b\u0627 \u062a\u062a\u0645\u064a\u0632 \u0645\u0644\u0643\u064a\u062a\u0647 \u0627\u0644\u0641\u0639\u0644\u064a\u0629 \u0628\u0627\u0644\u063a\u0645\u0648\u0636 \u0648\u064a\u0642\u0639 \u0641\u064a \u0648\u0644\u0627\u064a\u0629 \u0642\u0636\u0627\u0626\u064a\u0629 \u0639\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u060c \u0645\u0645\u0627 \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u062a\u0637\u0628\u064a\u0642 \u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0639\u0646\u0627\u064a\u0629 \u0627\u0644\u0648\u0627\u062c\u0628\u0629 \u0627\u0644\u0645\u0639\u0632\u0632\u0629 \u0642\u0628\u0644 \u0627\u0644\u0645\u0636\u064a \u0642\u062f\u0645\u064b\u0627.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u0623\u0628\u0644\u063a\u062a \u00ab\u0641\u064a\u0646\u0633\u064a\u0646\u00bb (FinCEN) \u0639\u0646 \u0623\u0643\u062b\u0631 \u0645\u0646 1.5 \u0645\u0644\u064a\u0648\u0646 \u062a\u0642\u0631\u064a\u0631 \u0639\u0646 \u0623\u0646\u0634\u0637\u0629 \u0645\u0634\u0628\u0648\u0647\u0629 \u0641\u064a \u0639\u0627\u0645 2024. \u0648\u0639\u0646\u062f\u0645\u0627 \u062a\u0643\u062a\u0634\u0641 \u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0628\u0631\u0646\u0627\u0645\u062c \u062a\u062d\u062f\u064a\u062f \u0647\u0648\u064a\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 (CIP) \u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0623\u0648 \u0633\u0644\u0648\u0643\u064a\u0627\u062a \u062a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0627\u062d\u062a\u0645\u0627\u0644 \u0648\u062c\u0648\u062f \u063a\u0633\u0644 \u0623\u0645\u0648\u0627\u0644 \u0623\u0648 \u062c\u0631\u0627\u0626\u0645 \u0645\u0627\u0644\u064a\u0629\u060c \u064a\u062a\u0639\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0645\u0624\u0633\u0633\u0629 \u062a\u0642\u062f\u064a\u0645 \u062a\u0642\u0631\u064a\u0631 \u0639\u0646 \u0627\u0644\u0623\u0646\u0634\u0637\u0629 \u0627\u0644\u0645\u0634\u0628\u0648\u0647\u0629 (SAR) \u0648\u0641\u0642\u064b\u0627 \u0644\u0644\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u064f\u0628\u0646\u064a \u0636\u0648\u0627\u0628\u0637 \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0647\u064f\u0648\u0650\u064a\u0651\u064e\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0642\u0648\u064a\u0629 \u062b\u0642\u0629 \u0627\u0644\u062c\u0645\u0647\u0648\u0631 \u0648\u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646. \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u062a\u0645\u064a\u0632 \u0628\u0633\u064a\u0631 \u0639\u0645\u0644 \u0645\u0648\u062b\u0648\u0642 \u0648\u0642\u0627\u0628\u0644 \u0644\u0644\u0645\u0631\u0627\u062c\u0639\u0629 \u0644\u0627\u0646\u0636\u0645\u0627\u0645 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u062a\u064f\u0638\u0647\u0631 \u0646\u0636\u062c\u0627\u064b \u0641\u064a \u0627\u0644\u062d\u0648\u0643\u0645\u0629\u060c \u0645\u0645\u0627 \u064a\u062f\u0639\u0645 \u0628\u062f\u0648\u0631\u0647 \u0627\u0644\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u0635\u0648\u0631\u0629 \u0627\u0644\u0639\u0644\u0627\u0645\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0623\u062a\u0645\u062a\u0629 \u0625\u0646\u0641\u0633\u062a \u063a\u0644\u0627\u0633 (InvestGlass) \u062a\u0633\u0627\u0639\u062f \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0639\u0644\u0649 \u062a\u0637\u0628\u064a\u0642 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class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u064a\u0648\u0641\u0631 \u0628\u0631\u0646\u0627\u0645\u062c \u062a\u062d\u062f\u064a\u062f \u0647\u0648\u064a\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 (CIP) \u0627\u0644\u0645\u0635\u0645\u0645 \u062c\u064a\u062f\u0627\u064b \u0645\u0632\u0627\u064a\u0627 \u0643\u0628\u064a\u0631\u0629 \u0644\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0639\u0627\u0645\u0644\u0629 \u0641\u064a \u0628\u064a\u0626\u0629 \u0627\u0644\u062a\u0646\u0638\u064a\u0645 \u0627\u0644\u0645\u0639\u0642\u062f\u0629 \u0627\u0644\u064a\u0648\u0645. \u0648\u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0646\u0641\u064a\u0630 \u0628\u0631\u0646\u0627\u0645\u062c \u062a\u062d\u062f\u064a\u062f \u0647\u0648\u064a\u0627\u062a \u0642\u0648\u064a\u060c \u064a\u0645\u0643\u0646 \u0644\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u062a\u062d\u0642\u0642 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\u0633\u062c\u0644\u0627\u062a \u062f\u0642\u064a\u0642\u0629 \u0643\u062c\u0632\u0621 \u0645\u0646 \u0628\u0631\u0646\u0627\u0645\u062c \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0647\u0648\u064a\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 (CIP) \u0644\u0627 \u064a\u0642\u062a\u0635\u0631 \u0639\u0644\u0649 \u062a\u0644\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0641\u062d\u0633\u0628\u060c \u0628\u0644 \u064a\u0648\u0641\u0631 \u0623\u064a\u0636\u0627\u064b \u0645\u0633\u0627\u0631 \u062a\u062f\u0642\u064a\u0642 \u0645\u0648\u062b\u0648\u0642\u0627\u064b \u0644\u0644\u0631\u062c\u0648\u0639 \u0625\u0644\u064a\u0647 \u0641\u064a \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644. \u062a\u0628\u0646\u064a \u0647\u0630\u0647 \u0627\u0644\u0634\u0641\u0627\u0641\u064a\u0629 \u0627\u0644\u062b\u0642\u0629 \u0645\u0639 \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0648\u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0639\u0644\u0649 \u062d\u062f \u0633\u0648\u0627\u0621\u060c \u0645\u0645\u0627 \u064a\u062f\u0644 \u0639\u0644\u0649 \u0627\u0644\u062a\u0632\u0627\u0645 \u0627\u0644\u0645\u0624\u0633\u0633\u0629 \u0628\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0648\u0645\u0643\u0627\u0641\u062d\u0629 \u0627\u0644\u062c\u0631\u0627\u0626\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629. \u0648\u0641\u064a \u0646\u0647\u0627\u064a\u0629 \u0627\u0644\u0645\u0637\u0627\u0641\u060c \u064a\u0639\u0632\u0632 \u0628\u0631\u0646\u0627\u0645\u062c \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0647\u0648\u064a\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0645\u0646\u0641\u0630 \u062c\u064a\u062f\u0627\u064b \u0646\u0632\u0627\u0647\u0629 \u0627\u0644\u0645\u0624\u0633\u0633\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0648\u064a\u062f\u0639\u0645 \u062b\u0642\u0629 \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629\u060c \u0648\u064a\u0633\u0627\u0647\u0645 \u0641\u064a \u0628\u064a\u0626\u0629 \u0645\u0627\u0644\u064a\u0629 \u0623\u0643\u062b\u0631 \u0623\u0645\u0627\u0646\u0627\u064b.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-core-cip-requirements-and-data-elements\"><span class=\"ez-toc-section\" id=\"Core_CIP_Requirements_and_Data_Elements\"><\/span>\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0628\u0631\u0646\u0627\u0645\u062c \u062a\u062d\u062f\u064a\u062f \u0647\u0648\u064a\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0648\u0639\u0646\u0627\u0635\u0631 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u062e\u062a\u0644\u0641 \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0628\u0631\u0646\u0627\u0645\u062c \u062a\u062d\u062f\u064a\u062f \u0647\u0648\u064a\u0629 \u0627\u0644\u0639\u0645\u064a\u0644 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u062d\u0633\u0628 \u0627\u0644\u0627\u062e\u062a\u0635\u0627\u0635 \u0627\u0644\u0642\u0636\u0627\u0626\u064a\u060c \u0644\u0643\u0646 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u062f\u0646\u0649 \u0645\u0646 \u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0645\u0639\u0627\u064a\u064a\u0631 \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u062a\u0633\u0642\u0629 \u0628\u0634\u0643\u0644 \u0639\u0627\u0645 \u0639\u0628\u0631 \u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0648\u0623\u0648\u0631\u0648\u0628\u0627 \u0648\u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0627\u0644\u0623\u062e\u0631\u0649.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0629 \u0644\u0644\u0623\u0634\u062e\u0627\u0635 \u0627\u0644\u0637\u0628\u064a\u0639\u064a\u064a\u0646:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0627\u0644\u0627\u0633\u0645 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a \u0627\u0644\u0643\u0627\u0645\u0644<\/li>\n\n\n\n<li>\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0645\u064a\u0644\u0627\u062f<\/li>\n\n\n\n<li>\u0627\u0644\u0639\u0646\u0648\u0627\u0646 \u0627\u0644\u0633\u0643\u0646\u064a<\/li>\n\n\n\n<li>\u0631\u0642\u0645 \u0627\u0644\u0647\u0648\u064a\u0629 \u0627\u0644\u0648\u0637\u0646\u064a\u0629\u060c \u0623\u0648 \u0631\u0642\u0645 \u062c\u0648\u0627\u0632 \u0627\u0644\u0633\u0641\u0631\u060c \u0623\u0648 \u0631\u0642\u0645 \u0628\u0637\u0627\u0642\u0629 \u062a\u0639\u0631\u064a\u0641 \u0627\u0644\u0623\u062c\u0627\u0646\u0628\u060c \u0623\u0648 \u0631\u0642\u0645 \u062a\u0639\u0631\u064a\u0641 \u062f\u0627\u0641\u0639 \u0627\u0644\u0636\u0631\u0627\u0626\u0628 (\u0645\u062b\u0644 \u0631\u0642\u0645 \u0627\u0644\u0636\u0645\u0627\u0646 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a)<\/li>\n\n\n\n<li>\u0631\u062e\u0635\u0629 \u0627\u0644\u0642\u064a\u0627\u062f\u0629 \u0647\u064a \u0634\u0643\u0644 \u0645\u0642\u0628\u0648\u0644 \u0628\u0634\u0643\u0644 \u0634\u0627\u0626\u0639 \u0645\u0646 \u0623\u0634\u0643\u0627\u0644 \u0627\u0644\u0647\u0648\u064a\u0629 \u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u0639\u0646 \u0627\u0644\u062d\u0643\u0648\u0645\u0629 \u0644\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0647\u0648\u064a\u0629 \u0627\u0644\u0639\u0645\u064a\u0644 \u0623\u062b\u0646\u0627\u0621 \u0639\u0645\u0644\u064a\u0629 \u0641\u062a\u062d \u0627\u0644\u062d\u0633\u0627\u0628.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0629 \u0644\u0644\u0643\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0627\u0644\u0627\u0633\u0645 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a<\/li>\n\n\n\n<li>\u0627\u0644\u0639\u0646\u0648\u0627\u0646 \u0627\u0644\u0645\u0633\u062c\u0644<\/li>\n\n\n\n<li>\u0631\u0642\u0645 \u0627\u0644\u062a\u0633\u062c\u064a\u0644 \u0623\u0648 \u0627\u0644\u062a\u0623\u0633\u064a\u0633<\/li>\n\n\n\n<li>\u0639\u0642\u062f \u062a\u0623\u0633\u064a\u0633 \u0623\u0648 \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0634\u0631\u0627\u0643\u0629 \u0645\u0639\u062a\u0645\u062f\u0629<\/li>\n\n\n\n<li>\u062a\u0641\u0627\u0635\u064a\u0644 \u0627\u0644\u0645\u0633\u062a\u0641\u064a\u062f \u0627\u0644\u062d\u0642\u064a\u0642\u064a \u0644\u0623\u0648\u0644\u0626\u0643 \u0627\u0644\u0630\u064a\u0646 \u064a\u0645\u062a\u0644\u0643\u0648\u0646 \u0623\u0648 \u064a\u0633\u064a\u0637\u0631\u0648\u0646 \u0639\u0644\u0649 25 \u0628\u0627\u0644\u0645\u0627\u0626\u0629 \u0623\u0648 \u0623\u0643\u062b\u0631<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u064a\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0641\u062d\u0635 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0645\u0642\u0627\u0628\u0644 \u0642\u0648\u0627\u0626\u0645 \u0627\u0644\u0639\u0642\u0648\u0628\u0627\u062a \u0648\u0627\u0644\u0623\u0634\u062e\u0627\u0635 \u0627\u0644\u0645\u0639\u0631\u0636\u064a\u0646 \u0633\u064a\u0627\u0633\u064a\u0627\u064b (PEP) \u0648\u0627\u0644\u0642\u0648\u0627\u0626\u0645 \u0627\u0644\u0625\u0639\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0633\u0644\u0628\u064a\u0629. \u0648\u062a\u0634\u0645\u0644 \u0627\u0644\u0645\u0635\u0627\u062f\u0631 \u0627\u0644\u0634\u0627\u0626\u0639\u0629 \u0642\u0627\u0626\u0645\u0629 \u0645\u0643\u062a\u0628 \u0636\u0628\u0637 \u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u0623\u062c\u0646\u0628\u064a\u0629 (OFAC SDN)\u060c \u0648\u0627\u0644\u0642\u0627\u0626\u0645\u0629 \u0627\u0644\u0645\u0648\u062d\u062f\u0629 \u0644\u0644\u0627\u062a\u062d\u0627\u062f \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u060c \u0648\u0639\u0642\u0648\u0628\u0627\u062a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629\u060c \u0648\u0642\u0648\u0627\u0626\u0645 \u0627\u0644\u0623\u0645\u0645 \u0627\u0644\u0645\u062a\u062d\u062f\u0629.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u0641\u0631\u0636 \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u0627\u062d\u062a\u0641\u0627\u0638 \u0628\u0627\u0644\u062c\u0644\u0627\u062a \u0639\u0627\u062f\u0629\u064b \u0639\u0644\u0649 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0627\u062d\u062a\u0641\u0627\u0638 \u0628\u0633\u062c\u0644\u0627\u062a \u0644\u0648\u062b\u0627\u0626\u0642 \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0647\u064a\u0629\u060c \u0648\u0637\u0631\u0642 \u0627\u0644\u062a\u062d\u0642\u0642 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u0629 \u0648\u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0644\u0645\u062f\u0629 \u062e\u0645\u0633 \u0633\u0646\u0648\u0627\u062a \u0639\u0644\u0649 \u0627\u0644\u0623\u0642\u0644 \u0628\u0639\u062f \u0625\u063a\u0644\u0627\u0642 \u0627\u0644\u062d\u0633\u0627\u0628. \u0642\u062f \u064a\u0624\u062f\u064a \u0639\u062f\u0645 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0644\u0647\u0630\u0647 \u0627\u0644\u0642\u0627\u0639\u062f\u0629 \u0627\u0644\u0646\u0647\u0627\u0626\u064a\u0629 \u0625\u0644\u0649 \u0639\u0642\u0648\u0628\u0627\u062a \u0634\u062f\u064a\u062f\u0629 \u0627\u0644\u0642\u064a\u0648\u062f \u062a\u0634\u063a\u064a\u0644\u064a\u0629.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u062c\u0645\u0639 \u0625\u0646\u0641\u0633\u062a\u063a\u0644\u0627\u0633 (InvestGlass) \u0647\u0630\u0647 \u0627\u0644\u0639\u0646\u0627\u0635\u0631 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a\u064a\u0629 \u0641\u064a \u0645\u0646\u0635\u0629 \u0648\u0627\u062d\u062f\u0629 \u0644\u0625\u062f\u0627\u0631\u0629 \u0639\u0644\u0627\u0642\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0621 (CRM) \u0648\u0627\u0639\u0631\u0641 \u0639\u0645\u064a\u0644\u0643 (KYC)\u060c \u0648\u0627\u0644\u0645\u0633\u062a\u0636\u0627\u0641\u0629 \u0641\u064a \u0633\u0648\u064a\u0633\u0631\u0627 \u0623\u0648 \u0645\u062d\u0644\u064a\u0627\u064b (on-premise) \u0644\u0636\u0645\u0627\u0646 \u0627\u0644\u0633\u064a\u0627\u062f\u0629 \u0627\u0644\u0643\u0627\u0645\u0644\u0629 \u0639\u0644\u0649 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"701\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-2-1024x701.png\" alt=\"InvestGlass CRM\" class=\"wp-image-47052\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-2-1024x701.png 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-2-300x205.png 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-2-768x526.png 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-2-1536x1052.png 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-2.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">InvestGlass CRM<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-verification-methods-and-risk-based-application\"><span class=\"ez-toc-section\" id=\"Verification_methods_and_risk-based_application\"><\/span>\u0637\u0631\u0642 \u0627\u0644\u062a\u062d\u0642\u0642 \u0648\u0627\u0644\u062a\u0637\u0628\u064a\u0642 \u0627\u0644\u0645\u0633\u062a\u0646\u062f \u0625\u0644\u0649 \u0627\u0644\u0645\u062e\u0627\u0637\u0631<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0627\u0644\u0623\u0633\u0627\u0644\u064a\u0628 \u0627\u0644\u0648\u062b\u0627\u0626\u0642\u064a\u0629<\/strong> \u062a\u0634\u0645\u0644:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u062c\u0648\u0627\u0632\u0627\u062a \u0627\u0644\u0633\u0641\u0631 \u0648\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0647\u0648\u064a\u0629 \u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u063a\u064a\u0631 \u0627\u0644\u0645\u0646\u062a\u0647\u064a\u0629 \u0635\u0644\u0627\u062d\u064a\u062a\u0647\u0627<\/li>\n\n\n\n<li>\u0631\u062e\u0635\u0629 \u0627\u0644\u0642\u064a\u0627\u062f\u0629 \u0623\u0648 \u062a\u0635\u0627\u0631\u064a\u062d \u0627\u0644\u0625\u0642\u0627\u0645\u0629<\/li>\n\n\n\n<li>\u0645\u0633\u062a\u062e\u0631\u062c \u0627\u0644\u0633\u062c\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u064a \u0648\u0631\u062e\u0635\u0629 \u0645\u0632\u0627\u0648\u0644\u0629 \u0627\u0644\u0645\u0647\u0646\u0629 \u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u0639\u0646 \u0627\u0644\u062d\u0643\u0648\u0645\u0629<\/li>\n\n\n\n<li>\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0627\u0644\u0645\u0633\u062a\u0641\u064a\u062f\u0629 \u0627\u0644\u0645\u0639\u062a\u0645\u062f\u0629<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0637\u0631\u0642 \u063a\u064a\u0631 \u0648\u062b\u0627\u0626\u0642\u064a\u0629<\/strong> \u062a\u0634\u0645\u0644:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0645\u0632\u0648\u062f\u0648 \u0627\u0644\u0647\u0648\u064a\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0627\u0644\u0645\u0648\u062b\u0648\u0642\u0648\u0646<\/li>\n\n\n\n<li>\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0643\u0627\u0644\u0629 \u0625\u0639\u062f\u0627\u062f \u062a\u0642\u0627\u0631\u064a\u0631 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643<\/li>\n\n\n\n<li>\u0645\u0643\u0627\u062a\u0628 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0648\u0627\u0644\u0634\u0628\u0643\u0627\u062a \u0627\u0644\u0645\u0645\u0644\u0648\u0643\u0629 \u062e\u0627\u0635\u0629<\/li>\n\n\n\n<li>\u0642\u0648\u0627\u0639\u062f \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0631\u0633\u0645\u064a\u0629 \u0648\u0633\u062c\u0644\u0627\u062a \u0627\u0644\u0645\u0631\u0627\u0641\u0642 \u0627\u0644\u062e\u062f\u0645\u064a\u0629<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u062a\u064a\u062d \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0647\u0648\u064a\u0629 \u0627\u0644\u0639\u0645\u064a\u0644 (CIP) \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0645\u0639\u0627\u064a\u0631\u0629 \u062c\u0647\u0648\u062f \u0627\u0644\u062a\u062d\u0642\u0642 \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u062a\u0642\u064a\u064a\u0645 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0628\u0646\u0643\u060c \u062d\u062c\u0645 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a\u060c \u062a\u0639\u0642\u064a\u062f \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a\u060c \u0648\u0627\u0644\u062a\u0639\u0631\u0636 \u0627\u0644\u062c\u063a\u0631\u0627\u0641\u064a. \u0647\u0630\u0627 \u0627\u0644\u0625\u0637\u0627\u0631 \u0644\u0645\u062f\u0649 \u062a\u062d\u0645\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u064a\u0639\u0646\u064a \u0623\u0646 \u062d\u0633\u0627\u0628\u0627\u064b \u062c\u062f\u064a\u062f\u0627\u064b \u0644\u0639\u0645\u064a\u0644 \u062a\u062c\u0632\u0626\u0629 \u0645\u062d\u0644\u064a \u0642\u062f \u064a\u062a\u0637\u0644\u0628 \u0641\u062d\u0635\u0627\u064b \u0623\u0642\u0644 \u0645\u0646 <a href=\"https:\/\/www.investglass.com\/ar\/%d9%85%d8%a7-%d8%a7%d9%84%d8%b0%d9%8a-%d8%aa%d8%ad%d8%aa%d8%a7%d8%ac-%d8%a5%d9%84%d9%89-%d9%85%d8%b9%d8%b1%d9%81%d8%aa%d9%87-%d8%ad%d9%88%d9%84-%d8%b9%d9%85%d9%84%d9%8a%d8%a9-%d8%a5%d8%b9%d8%af%d8%a7\/\" target=\"_self\">\u0625\u0639\u062f\u0627\u062f \u0645\u0648\u0638\u0641 \u062c\u062f\u064a\u062f \u0641\u064a \u0627\u0644\u0634\u0631\u0643\u0629<\/a> \u0643\u064a\u0627\u0646 \u0645\u0646 \u0648\u0644\u0627\u064a\u0629 \u0642\u0636\u0627\u0626\u064a\u0629 \u0639\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u064a\u062f\u0639\u0645 InvestGlass \u0642\u0648\u0627\u0639\u062f \u062a\u0633\u062c\u064a\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u062e\u0635\u0635\u0629 \u0627\u0644\u062a\u064a \u062a\u0624\u062f\u064a \u0625\u0644\u0649 \u062a\u0634\u063a\u064a\u0644 \u0639\u0645\u0644\u064a\u0627\u062a \u062a\u062d\u0642\u0642 \u0645\u062d\u0633\u0646\u0629\u060c \u0623\u0648 \u0637\u0644\u0628\u0627\u062a \u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0625\u0636\u0627\u0641\u064a\u0629\u060c \u0623\u0648 \u0645\u0631\u0627\u062c\u0639\u0629 \u064a\u062f\u0648\u064a\u0629 \u0639\u0646\u062f \u062a\u062c\u0627\u0648\u0632 \u0627\u0644\u062d\u062f\u0648\u062f \u0627\u0644\u062b\u0627\u0628\u062a\u0629.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-cip-process-from-onboarding-to-ongoing-monitoring\"><span class=\"ez-toc-section\" id=\"The_CIP_Process_From_Onboarding_to_Ongoing_Monitoring\"><\/span>\u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0647\u0648\u064a\u0629 \u0627\u0644\u0639\u0645\u064a\u0644: \u0645\u0646 \u0645\u0631\u062d\u0644\u0629 \u0627\u0644\u0625\u0639\u062f\u0627\u062f \u0648\u062d\u062a\u0649 \u0627\u0644\u0645\u0631\u0627\u0642\u0628\u0629 \u0627\u0644\u0645\u0633\u062a\u0645\u0631\u0629<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u064a\u0648\u0641\u0631 \u0647\u0630\u0627 \u0627\u0644\u0642\u0633\u0645 \u0646\u0638\u0631\u0629 \u0639\u0627\u0645\u0629 \u0639\u0644\u0649 \u0643\u064a\u0641\u064a\u0629 \u0627\u0646\u062a\u0642\u0627\u0644 \u0627\u0644\u0639\u0645\u064a\u0644 \u0645\u0646 \u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u0637\u0644\u0628 \u0645\u0631\u0648\u0631\u0627 \u0628\u0627\u0644\u062a\u062d\u0642\u0642 \u0648\u062d\u062a\u0649 \u0627\u0644\u0645\u0631\u0627\u0642\u0628\u0629 \u0627\u0644\u0646\u0634\u0637\u0629 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u0631\u0646\u0627\u0645\u062c \u062a\u062d\u062f\u064a\u062f \u0647\u0648\u064a\u0629 \u0627\u0644\u0639\u0645\u064a\u0644 (CIP) \u0648\u0636\u0648\u0627\u0628\u0637 \u0623\u0639\u0631\u0641 \u0639\u0645\u064a\u0644\u0643 (KYC) \u0627\u0644\u0623\u0648\u0633\u0639 \u0646\u0637\u0627\u0642\u0627.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0646\u0645\u0648\u0630\u062c\u064a <a href=\"https:\/\/www.investglass.com\/ar\/%d8%aa%d8%ad%d8%b3%d9%8a%d9%86-%d8%a7%d9%84%d8%a5%d8%b9%d8%af%d8%a7%d8%af-%d8%a7%d9%84%d8%b1%d9%82%d9%85%d9%8a-%d9%84%d8%a3%d9%81%d8%b6%d9%84-%d8%a7%d9%84%d9%85%d9%85%d8%a7%d8%b1%d8%b3%d8%a7%d8%aa\/\" target=\"_self\">\u0627\u0644\u062a\u0647\u064a\u0626\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629<\/a> \u062a\u062a\u0628\u0639 \u0627\u0644\u0639\u0645\u0644\u064a\u0629 \u0641\u064a \u0639\u0627\u0645 2026 \u0627\u0644\u062e\u0637\u0648\u0627\u062a \u0627\u0644\u062a\u0627\u0644\u064a\u0629:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u0627\u0644\u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u0631\u0642\u0645\u064a \u0639\u0628\u0631 \u0628\u0648\u0627\u0628\u0629 \u0627\u0644\u0648\u064a\u0628 \u0623\u0648 \u062a\u0637\u0628\u064a\u0642 \u0627\u0644\u062c\u0648\u0627\u0644<\/li>\n\n\n\n<li>\u0627\u0644\u062a\u0642\u0627\u0637 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u062a\u062d\u0645\u064a\u0644 \u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0623\u0648 \u0627\u0644\u062a\u0643\u0627\u0645\u0644 \u0645\u0639 \u0627\u0644\u0647\u0648\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629<\/li>\n\n\n\n<li>\u0645\u0624\u062a\u0645\u062a\u0629 <a href=\"https:\/\/www.investglass.com\/ar\/%d9%85%d8%a7-%d9%87%d9%88-%d8%a7%d9%84%d8%aa%d8%ad%d9%82%d9%82-%d9%85%d9%86-%d8%a7%d9%84%d9%87%d9%88%d9%8a%d8%a9-%d9%88%d9%83%d9%8a%d9%81-%d9%8a%d8%b9%d9%85%d9%84%d8%9f\/\" target=\"_self\">\u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0627\u0644\u0647\u0648\u064a\u0629<\/a> \u0636\u062f \u0642\u0648\u0627\u0639\u062f \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a<\/li>\n\n\n\n<li>\u0641\u062d\u0635 \u0627\u0644\u0639\u0642\u0648\u0628\u0627\u062a\u060c \u0648\u0627\u0644\u0623\u0634\u062e\u0627\u0635 \u0627\u0644\u0645\u0639\u0631\u0636\u064a\u0646 \u0633\u064a\u0627\u0633\u064a\u0627\u064b (PEP)\u060c \u0648\u0627\u0644\u0645\u062f\u0648\u0646\u0627\u062a \u0627\u0644\u0633\u0644\u0628\u064a\u0629 \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0641\u0639\u0644\u064a<\/li>\n\n\n\n<li>\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062f\u064a\u0646\u0627\u0645\u064a\u0643\u064a \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u062d\u062c\u0645 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a\u060c \u0627\u0644\u062c\u063a\u0631\u0627\u0641\u064a\u0627\u060c \u0648\u062a\u0639\u0642\u064a\u062f \u0627\u0644\u0645\u0646\u062a\u062c<\/li>\n\n\n\n<li>\u0645\u0648\u0627\u0641\u0642\u0629 \u0622\u0644\u064a\u0629 \u0623\u0648 \u062a\u0635\u0639\u064a\u062f \u0625\u0644\u0649 \u0645\u0633\u0624\u0648\u0644 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644<\/li>\n\n\n\n<li>\u062a\u0641\u0639\u064a\u0644 \u0627\u0644\u062d\u0633\u0627\u0628 \u0648\u0627\u0644\u0627\u062d\u062a\u0641\u0627\u0638 \u0628\u0627\u0644\u062c\u0644\u0627\u062a<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u0625\u0637\u0627\u0631 \u0639\u0645\u0644 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u062e\u0627\u0635 \u0628\u0640 CIP \u064a\u062c\u0628 \u062a\u0648\u062b\u064a\u0642\u0647 \u0641\u064a \u0633\u064a\u0627\u0633\u0629 \u0645\u0643\u062a\u0648\u0628\u0629 \u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0639\u0644\u064a\u0627 \u0648\u0645\u062c\u0644\u0633 \u0627\u0644\u0625\u062f\u0627\u0631\u0629. \u062a\u062a\u0637\u0644\u0628 \u0647\u0630\u0647 \u0627\u0644\u0633\u064a\u0627\u0633\u0629 \u062a\u062d\u062f\u064a\u062b\u0627\u062a \u0645\u0646\u062a\u0638\u0645\u0629 \u0644\u062a\u0639\u0643\u0633 \u0627\u0644\u062a\u063a\u064a\u064a\u0631\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0648\u0646\u0645\u0627\u0630\u062c \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0645\u062a\u0637\u0648\u0631\u0629.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u0637\u0644\u0628 \u0642\u0646\u0648\u0627\u062a \u0627\u0644\u0625\u0639\u062f\u0627\u062f \u0639\u0646 \u0628\u064f\u0639\u062f \u0636\u0648\u0627\u0628\u0637 \u0627\u062d\u062a\u064a\u0627\u0644 \u0642\u0648\u064a\u0629\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0643\u0634\u0641 \u0627\u0644\u062d\u064a\u0648\u064a\u0629\u060c \u0648\u0627\u0644\u0628\u0635\u0645\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0644\u0644\u0623\u062c\u0647\u0632\u0629\u060c \u0648\u0627\u0644\u062a\u0648\u062b\u064a\u0642 \u0627\u0644\u0642\u0627\u0626\u0645 \u0639\u0644\u0649 \u0627\u0644\u0645\u0639\u0631\u0641\u0629 \u0639\u0628\u0631 \u0627\u0644\u0641\u064a\u062f\u064a\u0648.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u064f\u0646\u0633\u0642 \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u0627\u0646\u0636\u0645\u0627\u0645 \u0627\u0644\u0631\u0642\u0645\u064a \u0645\u0646 InvestGlass \u0643\u0644 \u0647\u0630\u0647 \u0627\u0644\u062e\u0637\u0648\u0627\u062a \u0645\u0646 \u062e\u0644\u0627\u0644 \u0633\u064a\u0631 \u0639\u0645\u0644 \u0642\u0627\u0628\u0644\u8a2d\u5b9a (\u0644\u0644\u062a\u0643\u0648\u064a\u0646)\u060c \u0648\u0623\u0634\u062c\u0627\u0631 \u0642\u0631\u0627\u0631\u060c \u0648\u0633\u062c\u0644\u0627\u062a \u062a\u062f\u0642\u064a\u0642 \u062a\u0644\u0628\u064a \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u062a\u0641\u062a\u064a\u0634 \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-key-cip-process-steps\"><span class=\"ez-toc-section\" id=\"Key_CIP_process_steps\"><\/span>\u0627\u0644\u062e\u0637\u0648\u0627\u062a \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0644\u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u0643\u0631\u0628\u0648\u0646 \u0641\u064a \u0627\u0644\u0644\u0628 (CIP)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u062e\u0637\u0648\u0629<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u0648\u0635\u0641<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u062c\u0645\u0639 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u062c\u0645\u0639 \u0627\u0644\u0627\u0633\u0645 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a \u0627\u0644\u0643\u0627\u0645\u0644\u060c \u0648\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0645\u064a\u0644\u0627\u062f\u060c \u0648\u0627\u0644\u0639\u0646\u0648\u0627\u0646\u060c \u0648\u0631\u0642\u0645 \u0627\u0644\u0647\u0648\u064a\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0646\u0645\u0627\u0630\u062c \u0627\u0644\u0631\u0642\u0645\u064a\u0629<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0627\u0644\u0647\u0648\u064a\u0629<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0647\u0648\u064a\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0637\u0631\u0642 \u0648\u062b\u0627\u0626\u0642\u064a\u0629 \u0623\u0648 \u063a\u064a\u0631 \u0648\u062b\u0627\u0626\u0642\u064a\u0629<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u062c\u0632\u0627\u0621\u0627\u062a \u0648\u0641\u062d\u0635 \u0634\u0644\u0644 \u0627\u0644\u0623\u0637\u0641\u0627\u0644 \u0627\u0644\u0645\u0639\u0627\u0642\u064a\u0646 \u062c\u0646\u0633\u064a\u0627\u064b<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0642\u0627\u0628\u0644 \u0642\u0648\u0627\u0626\u0645 \u0627\u0644\u062d\u0643\u0648\u0645\u0629 \u0644\u0644\u0625\u0631\u0647\u0627\u0628\u064a\u064a\u0646 \u0627\u0644\u0645\u0639\u0631\u0648\u0641\u064a\u0646 \u0623\u0648 \u0627\u0644\u0645\u0634\u062a\u0628\u0647 \u0628\u0647\u0645\u060c \u0648\u0642\u0648\u0627\u0626\u0645 \u0645\u0643\u062a\u0628 \u0636\u0628\u0637 \u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u0623\u062c\u0646\u0628\u064a\u0629 (OFAC SDN)\u060c \u0648\u0642\u0648\u0627\u0639\u062f \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0623\u0634\u062e\u0627\u0635 \u0627\u0644\u0645\u0639\u0631\u0636\u064a\u0646 \u0633\u064a\u0627\u0633\u064a\u0627\u064b (PEP) \u0627\u0644\u0645\u062d\u0644\u064a\u0629<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0645\u062e\u0627\u0637\u0631<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u062a\u0637\u0628\u064a\u0642 \u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0642\u0627\u0639\u062f\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621\u060c \u0627\u0644\u062c\u063a\u0631\u0627\u0641\u064a\u0627\u060c \u0648\u0627\u0644\u0646\u0634\u0627\u0637 \u0627\u0644\u0645\u062a\u0648\u0642\u0639<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0627\u062a\u062e\u0627\u0630 \u0627\u0644\u0642\u0631\u0627\u0631\u0627\u062a<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0623\u0648 \u0627\u0644\u062a\u0635\u0639\u064a\u062f \u0623\u0648 \u0627\u0644\u0631\u0641\u0636 \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0627\u0644\u0636\u0648\u0627\u0628\u0637 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0629 \u0648\u062d\u062f\u0648\u062f \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0625\u0645\u0633\u0643 \u0627\u0644\u062f\u0641\u0627\u062a\u0631<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Record information including timestamps, user actions and verification outputs for audit<\/p><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Each step must leave an auditable trail that regulators can review during examinations. The measures undertaken at each stage must be documented.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Firms may rely on third-party providers for specific checks, but ultimate responsibility for compliance remains with the regulated institution. InvestGlass integrates with external KYC providers while keeping the master client record and workflow logic within a sovereign Swiss or on-premise environment.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-common-challenges-in-implementing-cip\"><span class=\"ez-toc-section\" id=\"Common_challenges_in_implementing_CIP\"><\/span>\u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0627\u0644\u0634\u0627\u0626\u0639\u0629 \u0641\u064a \u062a\u0646\u0641\u064a\u0630 \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u062a\u0646\u0638\u064a\u0641 \u0641\u064a \u0627\u0644\u0645\u0643\u0627\u0646<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Common difficulties in cip process implementation include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fragmented data across legacy core banking systems<\/li>\n\n\n\n<li>Evolving regulations requiring frequent policy updates<\/li>\n\n\n\n<li>Inconsistent manual processes yielding 20\u201330 percent error rates in document reviews<\/li>\n\n\n\n<li>Cross-border rules creating compliance complexity<\/li>\n\n\n\n<li>Poor quality documentation affecting 40 percent of global onboardings<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Remote and mobile onboarding increase complexity, requiring robust liveness checks and tamper detection to prevent synthetic identities and identity fraud.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Global banks and wealth managers must align group policies with local requirements across Europe, the Middle East, Asia and the Americas. This challenge is compounded by privacy rules such as GDPR and local data localisation mandates.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Automation and standardised workflows in platforms like InvestGlass reduce operational error rates and support rapid updates when regulations change.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"701\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-2-1024x701.png\" alt=\"InvestGlass CRM\" class=\"wp-image-47052\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-2-1024x701.png 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-2-300x205.png 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-2-768x526.png 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-2-1536x1052.png 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-2.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">InvestGlass CRM<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-best-practices-for-a-modern-cip-framework\"><span class=\"ez-toc-section\" id=\"Best_practices_for_a_modern_CIP_framework\"><\/span>\u0623\u0641\u0636\u0644 \u0627\u0644\u0645\u0645\u0627\u0631\u0633\u0627\u062a \u0644\u0625\u0637\u0627\u0631 \u0639\u0645\u0644 \u062d\u062f\u064a\u062b \u0644\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u062d\u062a\u064a\u0629 \u0627\u0644\u062d\u064a\u0648\u064a\u0629<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Core best practices:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Adopt a risk-based approach calibrated to customer base and product offerings<\/li>\n\n\n\n<li>Maintain a detailed, board-approved written CIP policy<\/li>\n\n\n\n<li>Automate routine verification and screening checks<\/li>\n\n\n\n<li>Centralise client data in a compliant CRM<\/li>\n\n\n\n<li>Ensure strong governance and oversight from compliance officer and senior management<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Regular training for front-office, operations and compliance staff ensures they understand red flags, escalation procedures and documentation standards.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Periodic internal audits and independent reviews validate that CIP controls operate effectively. Exceptions must be properly justified and recorded.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Configurable RegTech platforms like InvestGlass allow firms to adapt quickly to local regulator guidance without custom development, supporting similar formal banking standards across jurisdictions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cip-vs-kyc-cdd-and-edd\"><span class=\"ez-toc-section\" id=\"CIP_vs_KYC_CDD_and_EDD\"><\/span>CIP \u0645\u0642\u0627\u0628\u0644 KYC \u0648CDD \u0648EDD<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">CIP is part of the broader KYC and customer due diligence family of controls. Understanding how these concepts relate helps institutions design comprehensive compliance frameworks.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u062a\u062d\u0643\u0645<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u062a\u0631\u0643\u064a\u0632<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u0627\u0644\u062a\u0648\u0642\u064a\u062a<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>CIP<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Verify customer identity<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Before opening account<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0627\u0639\u0631\u0641 \u0639\u0645\u064a\u0644\u0643<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Understand customer activities, source of funds, expected behaviour<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>At onboarding and ongoing<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>CDD<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Standard due diligence checks for most customers<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Throughout relationship<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0645\u0648\u0639\u062f \u0627\u0644\u0648\u0644\u0627\u062f\u0629 \u0627\u0644\u0645\u062a\u0648\u0642\u0639<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Enhanced checks for higher risk clients (PEPs, high-risk countries)<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Risk-triggered<\/p><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">CIP focuses on identity at the start of the business relationship. CDD and EDD examine the nature and purpose of the relationship and ongoing activity patterns through ongoing monitoring.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass enables firms to manage CIP, CDD and EDD holistically in a single <a href=\"https:\/\/www.investglass.com\/ru\/how-crm-helps-with-regulatory-compliance\/\" target=\"_self\">\u0625\u062f\u0627\u0631\u0629 \u0639\u0644\u0627\u0642\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0648\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644<\/a> workflow, avoiding fragmented systems and data silos.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-practical-examples-distinguishing-cip-and-kyc\"><span class=\"ez-toc-section\" id=\"Practical_examples_distinguishing_CIP_and_KYC\"><\/span>\u0623\u0645\u062b\u0644\u0629 \u0639\u0645\u0644\u064a\u0629 \u062a\u0648\u0636\u062d \u0627\u0644\u0641\u0631\u0642 \u0628\u064a\u0646 CIP \u0648KYC<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Wealth management client:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>CIP: Collect passport, proof of address and taxpayer identification number to <a href=\"https:\/\/www.investglass.com\/ar\/%d9%83%d9%8a%d9%81-%d8%aa%d8%a8%d8%af%d8%a3-%d8%a8%d9%86%d9%83%d9%83-%d8%a7%d9%84%d8%ae%d8%a7%d8%b5\/\" target=\"_self\">open a private bank account<\/a><\/li>\n\n\n\n<li>KYC: Assess investment objectives, risk tolerance and expected cash flows<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Corporate customer:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>CIP: Confirm registration data, government issued business license and beneficial owners<\/li>\n\n\n\n<li>KYC: Analyse business model, geography exposure and other financial transactions patterns<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">For a crypto exchange, CIP confirms personal data and screens wallet addresses against OFAC, while KYC probes expected transaction volumes and source of funds.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass digital forms and dynamic questionnaires present different questions depending on client type, jurisdiction and risk level, streamlining both CIP and broader KYC processes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-must-implement-a-customer-identification-program\"><span class=\"ez-toc-section\" id=\"Who_Must_Implement_a_Customer_Identification_Program\"><\/span>\u0645\u0646 \u0627\u0644\u0630\u064a \u064a\u062a\u0639\u064a\u0646 \u0639\u0644\u064a\u0647 \u062a\u0646\u0641\u064a\u0630 \u0628\u0631\u0646\u0627\u0645\u062c \u062a\u062d\u062f\u064a\u062f \u0647\u0648\u064a\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621\u061f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Any institution at risk of being used for money laundering or terrorist financing is generally expected to operate a customer identification program.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Covered entities include:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Retail and private banks<\/li>\n\n\n\n<li>Credit unions and savings associations<\/li>\n\n\n\n<li>Securities brokers and dealers<\/li>\n\n\n\n<li>Asset and wealth managers<\/li>\n\n\n\n<li>Mutual funds and investment companies<\/li>\n\n\n\n<li>\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646<\/li>\n\n\n\n<li>\u062f\u0641\u0639 <a href=\"https:\/\/www.investglass.com\/ar\/%d8%b4%d8%b1%d8%ad-%d9%85%d8%a7-%d9%87%d9%8a-%d9%85%d8%a4%d8%b3%d8%b3%d8%a9-%d8%a7%d9%84%d9%86%d9%82%d9%88%d8%af-%d8%a7%d9%84%d8%a5%d9%84%d9%83%d8%aa%d8%b1%d9%88%d9%86%d9%8a%d8%a9-emi-%d8%a7%d9%84\/\" target=\"_self\">institutions and electronic money<\/a> issuers<\/li>\n\n\n\n<li>\u0645\u0632\u0648\u062f\u0648 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u0645\u0634\u0641\u0631\u0629<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In the United States, the federal functional regulator, FinCEN, Federal Reserve, FDIC, OCC and NCUA enforce cip requirements. In Europe, national financial intelligence units and supervisory authorities hold similar responsibilities.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Non-bank entities such as money services businesses, forex brokers, crowdfunding platforms and certain real estate intermediaries may also require CIP-like procedures under local AML laws.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass is designed primarily for regulated institutions in banking, wealth and insurance that must evidence strong CIP and KYC controls while retaining data sovereignty.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-global-and-cross-border-considerations\"><span class=\"ez-toc-section\" id=\"Global_and_cross-border_considerations\"><\/span>\u0627\u0644\u0627\u0639\u062a\u0628\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u0648\u0627\u0644\u0639\u0627\u0628\u0631\u0629 \u0644\u0644\u062d\u062f\u0648\u062f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Multinational institutions must align CIPs across branches while respecting local laws on identification, privacy and data localisation. This is particularly challenging for firms operating across the Americas, Europe and Asia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Attention points include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Onboarding non-resident clients and cross-border wealth management relationships<\/li>\n\n\n\n<li>Digital-only accounts spanning multiple jurisdictions<\/li>\n\n\n\n<li>Compliance with emerging 2024\u20132026 regulations such as the EU AML Package and increased scrutiny of virtual asset service providers<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Hosting client data in Switzerland or on-premise with InvestGlass simplifies cross-border risk management by avoiding data transfer to American or Chinese cloud ecosystems. This protects the sovereignty of client data while meeting the government fight against financial crime.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-risk-tolerance-and-cip\"><span class=\"ez-toc-section\" id=\"Risk_Tolerance_and_CIP\"><\/span>\u0627\u0644\u062a\u062d\u0645\u0644 \u0644\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u0628\u0631\u0646\u0627\u0645\u062c \u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a (CIP)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Risk tolerance is a fundamental consideration in the design and execution of a Customer Identification Program (CIP). Financial institutions must carefully assess their own risk appetite and adjust their identification program to address the specific risks posed by their customer base and business model. Under the Bank Secrecy Act and the USA PATRIOT Act, financial institutions are required to implement a CIP that is reasonably designed to verify customer identities and maintain records of the information used in the verification process.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A key aspect of this requirement is the adoption of risk based procedures. Institutions with a higher risk tolerance, or those serving customer segments more susceptible to financial crimes, may need to employ more rigorous verification methods, including non documentary methods, to ensure they are not engaging with known or suspected terrorists. Conversely, for lower-risk customers, streamlined procedures may be appropriate, provided they still meet regulatory standards.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">By understanding and defining their risk tolerance, financial institutions can tailor their CIP to effectively address the unique risks associated with their customer base. This approach not only helps to prevent financial crimes but also ensures compliance with regulatory expectations. Maintaining comprehensive records and applying appropriate verification processes are essential for demonstrating that the institution\u2019s CIP is robust, adaptable, and aligned with both the letter and spirit of the law.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-designing-and-automating-a-cip-with-investglass\"><span class=\"ez-toc-section\" id=\"Designing_and_Automating_a_CIP_with_InvestGlass\"><\/span>\u062a\u0635\u0645\u064a\u0645 \u0648\u0623\u062a\u0645\u062a\u0629 \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u062a\u0646\u0638\u064a\u0641 \u0641\u064a \u0627\u0644\u0645\u0643\u0627\u0646 (CIP) \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 InvestGlass<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Technology is now central to effective CIP implementation. InvestGlass offers a fully integrated, sovereign platform for automating these processes while maintaining full control over sensitive client data.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Firms can configure digital onboarding journeys in InvestGlass to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Collect required identifying information through customisable forms<\/li>\n\n\n\n<li>Trigger dynamic document requests based on customer type and risk factors<\/li>\n\n\n\n<li>Apply conditional logic for escalation to compliance officer review<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass integrates with third-party identity verification, <a href=\"https:\/\/www.investglass.com\/ar\/%d9%81%d8%ad%d8%b5-%d8%a8%d9%8a%d8%a8-%d9%84%d9%84%d8%b9%d9%82%d9%88%d8%a8%d8%a7%d8%aa-%d8%af%d9%84%d9%8a%d9%84-%d8%a7%d9%84%d8%a7%d9%85%d8%aa%d8%ab%d8%a7%d9%84-%d8%a7%d9%84%d9%83%d8%a7%d9%85%d9%84\/\" target=\"_self\">\u0627\u0644\u0639\u0642\u0648\u0628\u0627\u062a \u0648\u0641\u062d\u0635 PEP<\/a> providers while keeping control of workflow, decision rules and stored data inside Swiss or self-hosted infrastructure.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key platform capabilities:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>CRM with full client history and relationship tracking<\/li>\n\n\n\n<li>KYC data models supporting natural persons and legal entities<\/li>\n\n\n\n<li>Automated reminders for five-year document refresh cycles<\/li>\n\n\n\n<li>Comprehensive audit trails for regulator inspections<\/li>\n\n\n\n<li>Role-based access control and <a href=\"https:\/\/www.investglass.com\/ar\/%d8%a3%d9%81%d8%b6%d9%84-5-%d8%ad%d9%84%d9%88%d9%84-%d9%84%d8%a8%d9%88%d8%a7%d8%a8%d8%a9-%d9%85%d8%b4%d8%a7%d8%b1%d9%83%d8%a9-%d9%85%d9%84%d9%81%d8%a7%d8%aa-%d8%a7%d9%84%d8%b9%d9%85%d9%84%d8%a7%d8%a1\/\" target=\"_self\">\u0628\u0648\u0627\u0628\u0629 \u0639\u0645\u0644\u0627\u0621 \u0622\u0645\u0646\u0629<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass is particularly suitable for institutions seeking a European, non-American and non-Chinese solution that respects client data sovereignty and regulatory expectations.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"641\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/03\/InvestGlass-form-retail-banking-1024x641.png\" alt=\"\u0645\u0648\u0627\u0643\u0628\u0629 \u0639\u0645\u0644\u0627\u0621 InvestGlass \u0641\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0644\u0644\u0623\u0641\u0631\u0627\u062f\" class=\"wp-image-49370\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/03\/InvestGlass-form-retail-banking-1024x641.png 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/03\/InvestGlass-form-retail-banking-300x188.png 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/03\/InvestGlass-form-retail-banking-768x481.png 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/03\/InvestGlass-form-retail-banking-18x12.png 18w, https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/03\/InvestGlass-form-retail-banking.png 1440w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">\u0645\u0648\u0627\u0643\u0628\u0629 \u0639\u0645\u0644\u0627\u0621 InvestGlass \u0641\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0644\u0644\u0623\u0641\u0631\u0627\u062f<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-practical-implementation-roadmap\"><span class=\"ez-toc-section\" id=\"Practical_implementation_roadmap\"><\/span>\u062e\u0631\u064a\u0637\u0629 \u0637\u0631\u064a\u0642 \u0644\u0644\u062a\u0646\u0641\u064a\u0630 \u0627\u0644\u0639\u0645\u0644\u064a<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A concise roadmap for implementing CIP with InvestGlass:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Assess current gaps:<\/strong> Review existing CIP against regulatory expectations and identify weaknesses<\/li>\n\n\n\n<li><strong>Define policies:<\/strong> Establish risk appetite and document risk based procedures by jurisdiction<\/li>\n\n\n\n<li><strong>Design workflows:<\/strong> Map target onboarding flows including verification methods and escalation triggers<\/li>\n\n\n\n<li><strong>Configure platform:<\/strong> Build workflows in InvestGlass with appropriate decision trees and internal controls<\/li>\n\n\n\n<li><strong>\u0637\u064a\u0627\u0631<\/strong> Test with a specific business line (for example, new customers from Q4 2026) before wider rollout<\/li>\n\n\n\n<li><strong>Measure:<\/strong> Establish KPIs such as onboarding time, manual review rates and documentation completeness<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Collaboration between compliance, IT, front office and data protection teams ensures the InvestGlass implementation meets both regulatory and data sovereignty objectives.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A well-designed customer identification program protects both your institution and your clients from financial crime while supporting regulatory confidence. With InvestGlass, you gain the sovereign infrastructure to run compliant CIP workflows without compromising on data control.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ready to strengthen your CIP framework? Explore how InvestGlass can help your institution automate compliant onboarding while protecting client data sovereignty.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion-and-next-steps\"><span class=\"ez-toc-section\" id=\"Conclusion_and_Next_Steps\"><\/span>\u0627\u0644\u062e\u0627\u062a\u0645\u0629 \u0648\u0627\u0644\u062e\u0637\u0648\u0627\u062a \u0627\u0644\u062a\u0627\u0644\u064a\u0629<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In summary, a Customer Identification Program (CIP) is an indispensable element of any financial institution\u2019s anti money laundering and Bank Secrecy Act compliance framework. Through diligent identity verification, accurate recordkeeping, and ongoing monitoring, financial institutions can significantly reduce their exposure to money laundering, terrorist financing, and other financial crimes. The Financial Crimes Enforcement Network\u2019s final rule further underscores the importance of collecting and verifying the identity of beneficial owners for legal entity customers, reinforcing the need for comprehensive CIP requirements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To maintain an effective CIP, financial institutions must regularly assess their risk tolerance and update their identification program to reflect changes in regulatory expectations and the evolving risk landscape. This includes staying informed about new guidance from regulators, such as the Financial Crimes Enforcement Network, and ensuring that all aspects of the CIP process are documented and auditable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Next steps for financial institutions should include a thorough review and update of CIP policies and procedures, ongoing training for staff on current cip requirements, and regular internal audits to ensure compliance. Embracing technology-based solutions, such as automated identity verification and workflow management systems, can further enhance the efficiency and effectiveness of the CIP process. By taking these proactive measures, financial institutions can demonstrate their commitment to combating financial crimes and maintaining a strong, compliant customer identification program.<\/p>","protected":false},"excerpt":{"rendered":"<p>Introduction to Customer Identification Program (CIP) A customer identification program is a mandatory framework that requires financial institutions to verify customer identities before establishing a business relationship. This foundational control sits within the broader ecosystem of anti money laundering, KYC and customer due diligence obligations. In the United States, the USA PATRIOT Act Section 326 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":35449,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[1544,1545],"class_list":["post-49561","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-customer","tag-identification"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.3 (Yoast SEO v28.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Customer Identification Program Explained in Detail | InvestGlass<\/title>\n<meta name=\"description\" content=\"Understand the Customer Identification Program and its role in verifying identities in financial institutions for compliance.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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