{"id":49981,"date":"2026-05-18T21:59:28","date_gmt":"2026-05-18T19:59:28","guid":{"rendered":"https:\/\/www.investglass.com\/?p=49981"},"modified":"2026-04-28T22:03:14","modified_gmt":"2026-04-28T20:03:14","slug":"how-should-financial-institutions-handle-politically-exposed-persons-peps","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/fr\/how-should-financial-institutions-handle-politically-exposed-persons-peps\/","title":{"rendered":"Comment les institutions financi\u00e8res devraient-elles traiter les personnes politiquement expos\u00e9es (PPE) ?"},"content":{"rendered":"<h2 class=\"wp-block-heading\" id=\"h-introduction-to-politically-exposed-persons-peps\"><span class=\"ez-toc-section\" id=\"Introduction_to_Politically_Exposed_Persons_PEPs\"><\/span>Introduction aux Personnes Politiquement Expos\u00e9es (PPE)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Une personne politiquement expos\u00e9e (PPE) est une personne qui exerce ou a exerc\u00e9 une fonction publique de premier plan. Le terme \u2018 PPE \u2019 est largement utilis\u00e9 dans les processus de conformit\u00e9, d\u2019\u00e9valuation des risques et de diligence raisonnable au sein de <a href=\"https:\/\/www.investglass.com\/fr\/quelle-est-la-rentabilite-dune-banque-une-analyse-approfondie\/\" target=\"_self\">les institutions financi\u00e8res<\/a>. L&#x27;identification et la surveillance des personnes politiquement expos\u00e9es (PPE) constituent un \u00e9l\u00e9ment essentiel de la lutte contre le blanchiment d&#x27;argent (LBCA), car ces personnes pr\u00e9sentent un risque accru de corruption et de blanchiment d&#x27;argent en raison de leur capacit\u00e9 \u00e0 contr\u00f4ler ou \u00e0 influencer les fonds publics, les march\u00e9s publics et les d\u00e9cisions r\u00e9glementaires.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le statut de \u00ab personne d&#x27;int\u00e9r\u00eat particulier \u00bb (PEP) s&#x27;\u00e9tend au-del\u00e0 de la personne concern\u00e9e \u00e0 certains membres de sa famille et \u00e0 ses proches collaborateurs, susceptibles de servir d&#x27;interm\u00e9diaires pour dissimuler des avoirs illicites. Les conjoints, les enfants et les partenaires commerciaux apparaissent fr\u00e9quemment dans les enqu\u00eates portant sur le d\u00e9tournement de biens publics.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le concept moderne de \u00ab personnalit\u00e9 politiquement expos\u00e9e \u00bb (PPE) est n\u00e9 de scandales marquants tels que l\u2019affaire Abacha dans les ann\u00e9es 1990, au cours de laquelle le dictateur nig\u00e9rian Sani Abacha a syst\u00e9matiquement d\u00e9tourn\u00e9 entre environ $3 et $5 milliards de la Banque centrale du Nigeria. Cela a incit\u00e9 le Groupe d&#x27;action financi\u00e8re (GAFI) et les r\u00e9gulateurs de l&#x27;UE \u00e0 mettre en place des mesures cibl\u00e9es d\u00e8s le d\u00e9but des ann\u00e9es 2000. Les institutions financi\u00e8res sont tenues par la loi d&#x27;identifier les PPE afin de s&#x27;assurer qu&#x27;elles ne facilitent pas les flux financiers illicites.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le fait d&#x27;\u00eatre une personnalit\u00e9 politiquement expos\u00e9e (PPE) ne constitue pas en soi un d\u00e9lit. Cette d\u00e9signation entra\u00eene simplement un contr\u00f4le renforc\u00e9 de la part des banques et des \u00e9tablissements r\u00e9glement\u00e9s, afin d&#x27;att\u00e9nuer les risques li\u00e9s \u00e0 une \u00e9ventuelle corruption ou au financement du terrorisme. La l\u00e9gislation en mati\u00e8re de conformit\u00e9 sp\u00e9cifique aux PPE traite du lien entre la corruption au sein des pouvoirs publics, le blanchiment d&#x27;argent et le financement du terrorisme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass prend en charge l&#x27;identification automatis\u00e9e des personnes politiquement expos\u00e9es (PPE) et leur suivi continu dans le cadre de son <a href=\"https:\/\/www.investglass.com\/fr\/que-signifie-souverain\/\" target=\"_self\">souveraine<\/a> Solution suisse de CRM et d&#x27;int\u00e9gration, permettant aux \u00e9tablissements financiers de respecter leurs obligations l\u00e9gales sans recourir \u00e0 des infrastructures cloud am\u00e9ricaines ou chinoises. La plupart des \u00e9tablissements financiers proc\u00e8dent \u00e0 une surveillance renforc\u00e9e des comptes li\u00e9s \u00e0 des personnalit\u00e9s politiques expos\u00e9es (PEP) dans le cadre de leurs proc\u00e9dures de diligence raisonnable continues.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/04\/84044f46-b3c3-4084-aaa6-e04909308294.jpg\" alt=\"PEP identification\"><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-politically-exposed-person-pep\"><span class=\"ez-toc-section\" id=\"What_Is_a_Politically_Exposed_Person_PEP\"><\/span>Qu'est-ce qu'une Personne Politiquement Expos\u00e9e (PPE) ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le terme \u00ab personne politiquement expos\u00e9e \u00bb d\u00e9signe les personnes charg\u00e9es d\u2019une fonction publique de premier plan, que ce soit au niveau national ou \u00e0 l\u2019\u00e9tranger. Cela inclut les responsables gouvernementaux, c\u2019est-\u00e0-dire les personnes occupant des postes de haut rang ou influents au sein de leur propre pays, tels que les pr\u00e9sidents, les premiers ministres et les d\u00e9put\u00e9s, et qui font l\u2019objet d\u2019une surveillance accrue en raison des risques potentiels li\u00e9s \u00e0 leurs op\u00e9rations financi\u00e8res. Le Groupe d&#x27;action financi\u00e8re (GAFI) d\u00e9finit cette cat\u00e9gorie comme comprenant :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Chefs d&#x27;\u00c9tat ou de gouvernement<\/li>\n\n\n\n<li>Hauts responsables politiques et ministres du gouvernement<\/li>\n\n\n\n<li>D\u00e9put\u00e9s et \u00e9lus<\/li>\n\n\n\n<li>Juges de haut rang et responsables militaires<\/li>\n\n\n\n<li>Membres du conseil d&#x27;administration de la banque centrale<\/li>\n\n\n\n<li>Cadres dirigeants des entreprises publiques<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Le Groupe d&#x27;action financi\u00e8re (GAFI) propose une d\u00e9finition des \u00ab personnalit\u00e9s politiques expos\u00e9es \u00bb (PPE) que de nombreux pays ont adopt\u00e9e, et qui inclut les personnes occupant ou ayant occup\u00e9 des fonctions publiques importantes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les personnes politiquement expos\u00e9es sont consid\u00e9r\u00e9es comme pr\u00e9sentant un risque plus \u00e9lev\u00e9, car elles peuvent avoir le contr\u00f4le de fonds publics, de licences et de d\u00e9cisions r\u00e9glementaires. Cet acc\u00e8s ouvre la voie \u00e0 des d\u00e9tournements de fonds, \u00e0 des pots-de-vin dans le cadre des march\u00e9s publics et \u00e0 l&#x27;enrichissement illicite.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Parmi les typologies courantes de criminalit\u00e9 financi\u00e8re impliquant des personnalit\u00e9s politiques expos\u00e9es (PEP), on peut citer :<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>Typologie<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>Description<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>D\u00e9tournement de fonds<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Vol direct ou d\u00e9tournement de fonds publics<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Fraude dans le domaine des march\u00e9s publics<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Commissions illicites li\u00e9es aux march\u00e9s publics<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Soci\u00e9t\u00e9s \u00e9crans<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Dissimulation de la propri\u00e9t\u00e9 effective des actifs<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Comptes offshore<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Transf\u00e9rer des fonds vers des juridictions o\u00f9 la surveillance est insuffisante<\/p><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Les d\u00e9finitions des PEP sont interpr\u00e9t\u00e9es selon une approche fond\u00e9e sur les risques. Toutes les PEP ne pr\u00e9sentent pas les m\u00eames risques significatifs. Un ancien conseiller municipal doit faire l&#x27;objet d&#x27;un traitement diff\u00e9rent de celui d&#x27;un ministre des Finances en exercice issu d&#x27;un pays o\u00f9 la corruption est tr\u00e8s r\u00e9pandue.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La d\u00e9finition d&#x27;une \u00ab personne politiquement expos\u00e9e \u00bb (PPE) varie d&#x27;un pays \u00e0 l&#x27;autre, mais d\u00e9signe g\u00e9n\u00e9ralement les personnes occupant des fonctions de haut rang au sein du gouvernement ou d&#x27;organisations internationales, ainsi que les membres de leur famille et leurs proches collaborateurs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-categories-and-types-of-peps\"><span class=\"ez-toc-section\" id=\"Categories_and_Types_of_PEPs\"><\/span>Cat\u00e9gories et types de PPE<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les r\u00e9glementations modernes en mati\u00e8re de lutte contre le blanchiment d&#x27;argent et les dispositifs \u00ab KYC \u00bb distinguent plusieurs cat\u00e9gories de personnes politiquement expos\u00e9es (PPE) afin de permettre une approche fond\u00e9e sur les risques.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Personnes expos\u00e9es au risque (PEP) nationales<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les personnes expos\u00e9es au risque (PEP) nationales occupent des postes de premier plan dans leur propre pays. En voici quelques exemples :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Membres d'un cabinet national<\/li>\n\n\n\n<li>Officiers sup\u00e9rieurs des forces arm\u00e9es<\/li>\n\n\n\n<li>Hauts responsables des administrations fiscales ou douani\u00e8res nationales<\/li>\n\n\n\n<li>Responsables importants des partis politiques<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Personnes politiquement expos\u00e9es \u00e9trang\u00e8res<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les personnalit\u00e9s politiques \u00e9trang\u00e8res (PEP) sont souvent consid\u00e9r\u00e9es comme pr\u00e9sentant un risque plus \u00e9lev\u00e9 en raison des difficult\u00e9s juridictionnelles li\u00e9es \u00e0 la v\u00e9rification des informations. Cette cat\u00e9gorie comprend les personnalit\u00e9s politiques \u00e9trang\u00e8res de haut rang, telles que les ministres, les ambassadeurs et les hauts fonctionnaires d&#x27;autres pays.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Personnes politiquement expos\u00e9es des organisations internationales<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les PPE d'organisations internationales occupent des postes de direction au sein d'organismes tels que les Nations Unies, le Fonds mon\u00e9taire international, la Banque mondiale et les banques r\u00e9gionales de d\u00e9veloppement. Les membres des conseils d'administration et les hauts dirigeants de ces organisations internationales font l'objet d'un examen minutieux appropri\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De nombreux r\u00e9gimes r\u00e9glementaires engagent \u00e9galement les personnes occupant des postes de direction dans les entreprises publiques, les fonds souverains et les banques centrales, o\u00f9 l'influence sur les fonds publics reste consid\u00e9rable.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/04\/ca83f6c6-6380-4030-b0e7-5cb4f3680443.png\" alt=\"The image depicts historic government and international organization buildings in a European capital, showcasing grand architecture that reflects the political significance of these structures. These buildings often house senior foreign political figures and are central to discussions about anti-money laundering regulations and the identification of politically exposed persons (PEPs).\"><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-family-members-and-close-associates-of-peps\"><span class=\"ez-toc-section\" id=\"Family_Members_and_Close_Associates_of_PEPs\"><\/span>Membres de la famille et proches collaborateurs de PPI<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les membres de la famille imm\u00e9diate et les proches collaborateurs des PPE sont inclus dans les exigences de filtrage parce qu'ils peuvent \u00eatre utilis\u00e9s pour d\u00e9tenir ou d\u00e9placer des actifs pour le compte de la PPE principale.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les membres de la famille proche g\u00e9n\u00e9ralement concern\u00e9s comprennent :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00c9poux et partenaires<\/li>\n\n\n\n<li>Enfants et parents<\/li>\n\n\n\n<li>Fr\u00e8res et s\u0153urs<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Certaines juridictions \u00e9tendent cette couverture aux beaux-parents, aux beaux-enfants et aux autres membres de la famille vivant sous le m\u00eame toit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les proches collaborateurs sont des personnes dont les liens professionnels ou personnels \u00e9troits avec une personnalit\u00e9 politique expos\u00e9e (PEP) sont bien connus. Cela inclut :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Joint <a href=\"https:\/\/www.investglass.com\/pl\/understanding-who-is-a-beneficial-owner-our-guide-to-rules-requirements\/\" target=\"_self\">b\u00e9n\u00e9ficiaires effectifs<\/a> de soci\u00e9t\u00e9s ou de fiducies<\/li>\n\n\n\n<li>Personnes partageant un compte conjoint <a href=\"https:\/\/www.investglass.com\/fr\/quest-ce-que-linformation-sur-les-beneficiaires-effectifs\/\" target=\"_self\">propri\u00e9t\u00e9 effective<\/a> d&#x27;une personne morale<\/li>\n\n\n\n<li>Tout partenaire commercial ayant des liens financiers importants<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Les proc\u00e9dures de diligence raisonnable doivent \u00e9galement permettre d&#x27;identifier les personnes physiques qui sont les seuls b\u00e9n\u00e9ficiaires effectifs d&#x27;actifs ou de comptes, car cela est essentiel pour garantir la transparence et le respect de la r\u00e9glementation en mati\u00e8re de lutte contre le blanchiment d&#x27;argent (AML).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les processus d&#x27;int\u00e9gration d&#x27;InvestGlass permettent de recenser syst\u00e9matiquement les liens familiaux et les relations entre associ\u00e9s. La plateforme signale automatiquement les parties li\u00e9es en se r\u00e9f\u00e9rant aux bases de donn\u00e9es sur les personnes politiquement expos\u00e9es (PPE), <a href=\"https:\/\/www.investglass.com\/fr\/quest-ce-que-le-service-a-la-clientele\/\" target=\"_self\">client fid\u00e8le<\/a> exigences en mati\u00e8re d'identification.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-beneficial-ownership-and-peps\"><span class=\"ez-toc-section\" id=\"Beneficial_Ownership_and_PEPs\"><\/span>B\u00e9n\u00e9ficiaires effectifs et PPE<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La propri\u00e9t\u00e9 effective joue un r\u00f4le central dans l&#x27;identification et la gestion des risques li\u00e9s aux personnes politiquement expos\u00e9es (PPE). Dans le cadre de la lutte contre le blanchiment d&#x27;argent et le financement du terrorisme, la propri\u00e9t\u00e9 effective d\u00e9signe la ou les personnes physiques qui d\u00e9tiennent ou contr\u00f4lent en dernier ressort une entit\u00e9 juridique, telle qu&#x27;une soci\u00e9t\u00e9, un trust ou une soci\u00e9t\u00e9 de personnes. Pour les \u00e9tablissements financiers, il est essentiel de bien comprendre la notion de propri\u00e9t\u00e9 effective, car cela permet de mettre au jour des relations cach\u00e9es et des risques potentiels qui ne sont pas forc\u00e9ment apparents lors de la proc\u00e9dure standard d&#x27;ouverture de compte.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsqu\u2019une personnalit\u00e9 politique expos\u00e9e (PEP) est impliqu\u00e9e, le risque de blanchiment d\u2019argent et d\u2019autres d\u00e9lits financiers augmente, en particulier si le b\u00e9n\u00e9ficiaire effectif est un membre de la famille proche ou un proche collaborateur. Ces personnes peuvent \u00eatre utilis\u00e9es pour dissimuler la v\u00e9ritable propri\u00e9t\u00e9 des actifs ou pour faciliter les mouvements de fonds illicites. Le Groupe d&#x27;action financi\u00e8re (GAFI) et d\u2019autres organismes de r\u00e9glementation soulignent l\u2019importance d\u2019identifier non seulement les PPE elles-m\u00eames, mais aussi tous les b\u00e9n\u00e9ficiaires effectifs qui leur sont li\u00e9s, y compris les conjoints, les enfants, les parents et les partenaires commerciaux. Cette approche plus large permet aux institutions financi\u00e8res d\u2019identifier les PPE et d\u2019\u00e9valuer l\u2019ensemble des risques potentiels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les \u00e9tablissements financiers sont tenus de mettre en \u0153uvre des proc\u00e9dures fond\u00e9es sur les risques afin d\u2019identifier les b\u00e9n\u00e9ficiaires effectifs et d\u2019\u00e9valuer leur lien avec toute personne politiquement expos\u00e9e (PPE). Cela implique de mener une diligence raisonnable approfondie, de v\u00e9rifier l\u2019identit\u00e9 des b\u00e9n\u00e9ficiaires effectifs et de comprendre la nature de la relation d\u2019affaires. Les mesures de vigilance renforc\u00e9es rev\u00eatent une importance particuli\u00e8re lorsqu\u2019il s\u2019agit de clients pr\u00e9sentant un risque plus \u00e9lev\u00e9, tels que les PEP \u00e9trangers ou ceux occupant une fonction publique de premier plan. Une surveillance continue est \u00e9galement essentielle, car des changements dans la propri\u00e9t\u00e9 effective ou l\u2019apparition de nouveaux associ\u00e9s proches peuvent modifier le profil de risque d\u2019un client.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les exigences r\u00e9glementaires varient selon les juridictions, mais le principe sous-jacent reste le m\u00eame : les \u00e9tablissements financiers doivent \u00eatre en mesure d\u2019identifier et de v\u00e9rifier la propri\u00e9t\u00e9 effective afin de limiter les risques. Par exemple, l\u2019organisme gouvernemental australien exige la d\u00e9claration des activit\u00e9s suspectes impliquant des personnes politiquement expos\u00e9es (PPE) et leurs b\u00e9n\u00e9ficiaires effectifs, tandis que les normes internationales pr\u00e9voient des examens et des mises \u00e0 jour r\u00e9guliers des informations relatives \u00e0 la propri\u00e9t\u00e9 effective. La d\u00e9claration des activit\u00e9s suspectes et la surveillance continue constituent des outils essentiels pour d\u00e9tecter et pr\u00e9venir la criminalit\u00e9 financi\u00e8re li\u00e9e aux personnes politiquement expos\u00e9es et \u00e0 leurs r\u00e9seaux.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il est important de reconna\u00eetre que toutes les personnes politiquement expos\u00e9es (PPE) ou leurs b\u00e9n\u00e9ficiaires effectifs ne pr\u00e9sentent pas le m\u00eame niveau de risque. Une \u00e9valuation rigoureuse des risques doit prendre en compte des facteurs tels que la nature de l\u2019entit\u00e9 juridique, la localisation g\u00e9ographique de la personnalit\u00e9 politique expos\u00e9e (PPE), la provenance des fonds et la solidit\u00e9 de la relation d\u2019affaires. En adaptant les mesures de vigilance aux circonstances sp\u00e9cifiques, les \u00e9tablissements financiers peuvent concentrer leurs ressources l\u00e0 o\u00f9 elles sont le plus n\u00e9cessaires et \u00e9viter de perturber inutilement les clients pr\u00e9sentant un risque moindre.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En r\u00e9sum\u00e9, une gestion efficace de la propri\u00e9t\u00e9 effective des personnes politiquement expos\u00e9es (PPE) constitue un pilier essentiel de la conformit\u00e9 en mati\u00e8re de lutte contre le blanchiment d\u2019argent et le financement du terrorisme. En identifiant les b\u00e9n\u00e9ficiaires effectifs, en assurant une surveillance continue et en appliquant des proc\u00e9dures fond\u00e9es sur les risques, les institutions financi\u00e8res peuvent att\u00e9nuer le risque de blanchiment d\u2019argent, prot\u00e9ger l\u2019int\u00e9grit\u00e9 du syst\u00e8me financier et s\u2019acquitter de leurs obligations l\u00e9gales au titre des r\u00e9glementations internationales et nationales.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-legal-and-regulatory-framework-for-peps\"><span class=\"ez-toc-section\" id=\"Legal_and_Regulatory_Framework_for_PEPs\"><\/span>Cadre juridique et r\u00e9glementaire des PPE<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le cadre international s&#x27;articule autour des recommandations du GAFI, qui influencent les dispositifs de lutte contre le blanchiment d&#x27;argent et le financement du terrorisme dans plus de 200 juridictions. La recommandation n\u00b0 12 du GAFI impose notamment une diligence renforc\u00e9e \u00e0 l&#x27;\u00e9gard des personnes politiquement expos\u00e9es (PPE).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L'Union europ\u00e9enne a int\u00e9gr\u00e9 les concepts de PEP dans des r\u00e9glementations successives contre le blanchiment de capitaux :<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>Directive<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>Ann\u00e9e<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>D\u00e9veloppement cl\u00e9<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Troisi\u00e8me directive anti-blanchiment<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>2005<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Premi\u00e8res exigences formelles des PEP<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Quatri\u00e8me directive anti-blanchiment<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>2015<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u00c9tendu aux PEP nationales<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Cinqui\u00e8me directive anti-blanchiment (AMLD)<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>2018<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Renforcement des registres des b\u00e9n\u00e9ficiaires effectifs<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Sixi\u00e8me directive anti-blanchiment<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>2020<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Responsabilit\u00e9 p\u00e9nale aggrav\u00e9e<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Pack LBC 2024<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>2024<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Actifs cryptographiques et registres publics des ordres d&#x27;achat<\/p><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Les mesures mises en \u0153uvre varient d&#x27;un pays \u00e0 l&#x27;autre. La r\u00e9glementation britannique en mati\u00e8re de lutte contre le blanchiment d&#x27;argent impose de consid\u00e9rer les anciennes personnalit\u00e9s politiques expos\u00e9es (PEP) comme pr\u00e9sentant un risque \u00e9lev\u00e9 pendant au moins 12 mois. Les directives canadiennes relatives \u00e0 la Loi sur la pr\u00e9vention du blanchiment d&#x27;argent et du financement du terrorisme (PCMLTFA) pr\u00e9voient un suivi des PEP pendant cinq ans. Les avis de l&#x27;Autorit\u00e9 mon\u00e9taire de Singapour (MAS) mettent l&#x27;accent sur la recherche de correspondances approximatives et la v\u00e9rification des informations n\u00e9gatives parues dans la presse.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il n&#x27;existe pas de liste officielle mondiale des personnalit\u00e9s politiquement expos\u00e9es (PPE). Les autorit\u00e9s de r\u00e9gulation d\u00e9finissent des principes et exigent des entreprises qu&#x27;elles mettent en \u0153uvre des proc\u00e9dures fond\u00e9es sur les risques et une vigilance renforc\u00e9e. Les sanctions en cas de contr\u00f4les insuffisants sont s\u00e9v\u00e8res. Santander s&#x27;est vu infliger une amende de 107,4 millions de livres sterling en 2022 pour des manquements en mati\u00e8re de lutte contre le blanchiment d&#x27;argent, notamment des n\u00e9gligences concernant les PPE.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-pep-identification-matters-for-aml-and-kyc\"><span class=\"ez-toc-section\" id=\"Why_PEP_Identification_Matters_for_AML_and_KYC\"><\/span>Pourquoi l'identification des PPE est importante pour la LCB-FT et KYC<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L&#x27;identification des personnes politiquement expos\u00e9es (PPE) est directement li\u00e9e aux objectifs fondamentaux des dispositifs de lutte contre le blanchiment d&#x27;argent, le financement du terrorisme et la corruption \u00e0 l&#x27;\u00e9chelle mondiale.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une identification pr\u00e9coce lors de l&#x27;ouverture d&#x27;un compte permet une classification pr\u00e9cise du risque client et la mise en place de mesures de vigilance adapt\u00e9es. Cela r\u00e9duit l&#x27;exposition aux risques suivants :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Blanchiment d'argent par le biais de soci\u00e9t\u00e9s \u00e9cran<\/li>\n\n\n\n<li>Violations des sanctions<\/li>\n\n\n\n<li>Enrichissement illicite issu de la corruption<\/li>\n\n\n\n<li>Risques \u00e9lev\u00e9s de blanchiment de capitaux et de financement du terrorisme<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Le scandale 1MDB a clairement mis en \u00e9vidence ces risques potentiels. Des responsables malaisiens ont blanchi environ $4,5 milliards par l&#x27;interm\u00e9diaire de personnalit\u00e9s politiques et de leurs proches, ce qui a entra\u00een\u00e9 des amendes totalisant plus de $10 milliards pour l&#x27;ensemble des banques impliqu\u00e9es.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les risques de r\u00e9putation pour les banques, les gestionnaires de patrimoine, les assureurs et les fintechs sont consid\u00e9rables. Faciliter la corruption de premier plan nuit \u00e0 la confiance des clients et invite \u00e0 une intervention r\u00e9glementaire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass int\u00e8gre le filtrage des PEP et des sanctions dans <a href=\"https:\/\/www.investglass.com\/fr\/optimiser-laccueil-numerique-pour-les-services-bancaires-aux-entreprises-meilleures-pratiques-et-strategies-cles\/\" target=\"_self\">l'embarquement num\u00e9rique<\/a> et les flux de travail CRM. Cela aide les institutions \u00e0 mettre en \u0153uvre leur strat\u00e9gie de conformit\u00e9 efficacement tout en pr\u00e9servant la souverainet\u00e9 des donn\u00e9es.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pep-lists-datasets-and-screening\"><span class=\"ez-toc-section\" id=\"PEP_Lists_Datasets_and_Screening\"><\/span>Listes des PPE, ensembles de donn\u00e9es et filtrage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">PEP screening relies on datasets compiled by commercial vendors using public records, government gazettes, sanctions lists and media sources.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bodies such as the United Nations and the CIA publish certain public official lists, but these are not complete PEP datasets. They cover specific roles or sanctioned individuals rather than comprehensive PEP coverage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Limitations of free or static lists include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Outdated information<\/li>\n\n\n\n<li>Incomplete coverage of emerging markets<\/li>\n\n\n\n<li>Higher rates of false positives<\/li>\n\n\n\n<li>Missed matches due to name variations<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Regulated firms typically use electronic screening tools that update daily. These tools allow fuzzy name matching, nationality filters and role based risk scoring to identify peps accurately.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass connects with trusted PEP and sanctions data providers. Customers can run pep screening entirely within a Swiss sovereign environment, maintaining control over sensitive data and avoiding reliance on American or Chinese cloud ecosystems.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-enhanced-due-diligence-edd-for-peps\"><span class=\"ez-toc-section\" id=\"Enhanced_Due_Diligence_EDD_for_PEPs\"><\/span>Diligence raisonnable renforc\u00e9e pour les PEP<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Enhanced due diligence distinguishes PEP treatment from standard customer due diligence applied to lower risk clients.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Common EDD measures include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Obtaining detailed source of wealth and source of funds information<\/li>\n\n\n\n<li>Senior management approval before establishing a business relationship<\/li>\n\n\n\n<li>Tighter transactional limits on bank accounts<\/li>\n\n\n\n<li>Independent verification using public records and corporate registries<\/li>\n\n\n\n<li>Adverse media screening and suspicious activity reporting protocols<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Firms should document EDD steps thoroughly, maintain audit trails and ensure periodic reviews proportionate to the level of political exposure.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass workflows and compliance checklists can be configured to trigger EDD tasks automatically when PEP status is detected during customer relationship establishment.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"638\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/blog-post-customer-stories-omega-intro-1024x638.jpg\" alt=\"client\" class=\"wp-image-49714\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/blog-post-customer-stories-omega-intro-1024x638.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/blog-post-customer-stories-omega-intro-300x187.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/blog-post-customer-stories-omega-intro-768x478.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/blog-post-customer-stories-omega-intro-18x12.jpg 18w, https:\/\/www.investglass.com\/wp-content\/uploads\/blog-post-customer-stories-omega-intro.jpg 1220w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">client<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-ongoing-monitoring-and-duration-of-pep-status\"><span class=\"ez-toc-section\" id=\"Ongoing_Monitoring_and_Duration_of_PEP_Status\"><\/span>Surveillance continue et dur\u00e9e du statut de PPE<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">PEP risk does not end at onboarding. Conducting ongoing monitoring of transactions, behaviour and changes in political roles remains essential throughout the ongoing customer relationship.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">FATF guidance and common industry practice suggest an individual continues to be treated as a PEP for at least 12 to 18 months after leaving office. Some jurisdictions extend this further based on risk assessment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Family members and close associates may remain subject to PEP related controls as long as the underlying relationship continues.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Typical monitoring techniques include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Automated alerts on large or unusual transactions<\/li>\n\n\n\n<li>Periodic reviews of individual customer accounts<\/li>\n\n\n\n<li>Updated screening against PEP and sanctions data<\/li>\n\n\n\n<li>Suspicious activity identification and escalation<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass automation and AI tools support continuous risk assessment. Sensitive client data remains within Swiss or on premise infrastructure, protecting data sovereignty.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-risk-based-approach-and-customer-risk-profiling\"><span class=\"ez-toc-section\" id=\"Risk_Based_Approach_and_Customer_Risk_Profiling\"><\/span>Approche par les risques et profilage des risques clients<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">FATF and most regulators promote a risk based approach allowing differentiated treatment of PEPs according to their true risk level.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Key risk factors include:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>Facteur<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>Higher Risk Example<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>Lower Risk Example<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Role seniority<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Head of state<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Local councillor<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Country risk<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Venezuela (CPI 14\/100)<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Denmark (CPI 90\/100)<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Sector<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Defence, natural resources<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Education, arts<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Transaction patterns<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Large irregular transfers<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Stable salary deposits<\/p><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Not all PEPs represent the same risk. A former councillor from a stable democracy may warrant simplified controls, while a sitting defence minister from a high corruption nation requires full EDD and transaction caps.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Firms can use scoring models to classify PEP clients into low, medium and high risk categories, aligning monitoring efforts accordingly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass <a href=\"https:\/\/www.investglass.com\/ru\/how-crm-helps-with-regulatory-compliance\/\" target=\"_self\">CRM et conformit\u00e9<\/a> modules embed custom risk scoring frameworks. Risk profiles display directly in client records, supporting considered peps management.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-identify-whether-someone-is-a-pep\"><span class=\"ez-toc-section\" id=\"How_to_Identify_Whether_Someone_Is_a_PEP\"><\/span>Comment d\u00e9terminer si une personne est une personnalit\u00e9 politiquement expos\u00e9e (PEP)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Practical PEP identification follows structured steps during onboarding or periodic review.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Step 1: Collect detailed personal data<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gather full name, date of birth, nationality, public roles held and beneficial owner interests.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Step 2: Screen against datasets<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Run automated screening of individuals and related parties against current PEP, sanctions and watchlist datasets. Include checks against any Australian government body lists or other locally relevant sources.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Step 3: Apply local definitions<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Interpret results against local legal definitions and internal policy criteria. Borderline cases, such as senior roles in sports federations, may require escalation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Step 4: Document decisions<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Record rationale for PEP classification or declassification, maintaining audit trails for regulatory review.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass client onboarding forms, KYC questionnaires and screening engines can be configured to manage peps systematically, flagging potential matches for compliance review.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pep-screening-obligations-and-best-practices\"><span class=\"ez-toc-section\" id=\"PEP_Screening_Obligations_and_Best_Practices\"><\/span>Obligations et bonnes pratiques en mati\u00e8re de d\u00e9pistage du PEP<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">While some jurisdictions may not impose an explicit statutory requirement to screen against PEP lists, regulators generally expect reasonable and effective mechanisms.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Best practices for PEP screening include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Embedding screening in digital onboarding workflows<\/li>\n\n\n\n<li>Periodic rescreening of the entire client base<\/li>\n\n\n\n<li>Screening beneficial owners, directors and signatories<\/li>\n\n\n\n<li>Maintaining clear internal policies defining PEP criteria<\/li>\n\n\n\n<li>Establishing risk appetite, approval levels and escalation processes for high risk peps<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Staff training is essential. <a href=\"https:\/\/www.investglass.com\/fr\/les-meilleures-strategies-pour-une-gestion-efficace-des-relations-bancaires\/\" target=\"_self\">Gestionnaires de relations<\/a>, compliance officers and front office teams should recognise PEP indicators and red flags through regular designated service training.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass supports these best practices through configurable policy rules, approval workflows and integrated procedure documentation. This helps institutions maintain robust AML regulations compliance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-investglass-as-a-sovereign-solution-for-managing-pep-risk\"><span class=\"ez-toc-section\" id=\"InvestGlass_as_a_Sovereign_Solution_for_Managing_PEP_Risk\"><\/span>InvestGlass comme solution souveraine pour la gestion du risque PEP<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass is a Swiss sovereign CRM and automation platform purpose <a href=\"https:\/\/www.investglass.com\/fr\/comment-creer-sa-propre-banque-privee\/\" target=\"_self\">con\u00e7u pour les banques<\/a>, wealth managers, insurers and other regulated institutions seeking alternatives to American or Chinese technology platforms.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The platform can be hosted in Switzerland or deployed on premise. This gives institutions full control over PEP data and protects the sovereignty of client information.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass combines essential capabilities in a single environment:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Digital onboarding with integrated KYC forms<\/li>\n\n\n\n<li>PEP and sanctions screening against trusted data providers<\/li>\n\n\n\n<li><a href=\"https:\/\/www.investglass.com\/fr\/6-meilleurs-logiciels-gratuits-de-gestion-de-portefeuille-pour-les-investisseurs-avises-en-2025\/\" target=\"_self\">Outils de gestion de portefeuille<\/a><\/li>\n\n\n\n<li>Client communication and marketing automation<\/li>\n\n\n\n<li>Compliance workflow automation<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Data sovereignty benefits include alignment with European privacy expectations and reduced cross border data transfer concerns when handling sensitive political information.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Organisations seeking a secure, European and sovereignty focused solution for PEP compliance can centralise their workflows on InvestGlass. This approach protects both regulatory standing and client trust while avoiding dependence on foreign technology ecosystems.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/07\/getty-images-wAj-ZqkD2qg-unsplash-1024x683.jpg\" alt=\"L&#039;h\u00e9bergement de vos donn\u00e9es en Suisse est plus s\u00fbr\" class=\"wp-image-47740\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/07\/getty-images-wAj-ZqkD2qg-unsplash-1024x683.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/07\/getty-images-wAj-ZqkD2qg-unsplash-300x200.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/07\/getty-images-wAj-ZqkD2qg-unsplash-768x512.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/07\/getty-images-wAj-ZqkD2qg-unsplash-1536x1024.jpg 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/07\/getty-images-wAj-ZqkD2qg-unsplash-scaled.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">L'h\u00e9bergement de vos donn\u00e9es en Suisse est plus s\u00fbr<\/figcaption><\/figure>","protected":false},"excerpt":{"rendered":"<p>Introduction to Politically Exposed Persons (PEPs) A politically exposed person (PEP) is someone currently or formerly entrusted with a prominent public function. The term &#8216;PEP&#8217; is widely used in compliance, risk assessment, and due diligence processes within financial institutions. Identifying and monitoring PEPs is a critical component of anti-money laundering (AML) efforts, as these individuals [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":49689,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[103,1565],"class_list":["post-49981","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-finance","tag-pep"],"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>Politically Exposed Person: Understanding the Risks | InvestGlass<\/title>\n<meta name=\"description\" content=\"Understand who is classified as a politically exposed person and their role in financial compliance and risk management.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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