{"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":"investglass-%e0%a4%95%e0%a5%87-%e0%a4%b8%e0%a4%be%e0%a4%a5-%e0%a4%8f%e0%a4%95-%e0%a4%85%e0%a4%a8%e0%a5%81%e0%a4%aa%e0%a4%be%e0%a4%b2%e0%a4%a8-%e0%a4%b8%e0%a4%82%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%ad","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/hi\/customer-identification-program-building-a-compliant-sovereign-cip-with-investglass\/","title":{"rendered":"\u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f\u0917\u094d\u0932\u093e\u0938 \u0938\u0940\u0906\u0908\u092a\u0940 \u0914\u0930 \u0905\u0928\u0941\u092a\u093e\u0932\u0928 \u092a\u094d\u0930\u092f\u093e\u0938\u094b\u0902 \u0915\u094b \u0915\u0948\u0938\u0947 \u0938\u0941\u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093f\u0924 \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948?"},"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>\u0917\u094d\u0930\u093e\u0939\u0915 \u092a\u0939\u091a\u093e\u0928 \u0915\u093e\u0930\u094d\u092f\u0915\u094d\u0930\u092e (CIP) \u0915\u093e \u092a\u0930\u093f\u091a\u092f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u090f\u0915 \u0917\u094d\u0930\u093e\u0939\u0915 \u092a\u0939\u091a\u093e\u0928 \u0915\u093e\u0930\u094d\u092f\u0915\u094d\u0930\u092e \u090f\u0915 \u0905\u0928\u093f\u0935\u093e\u0930\u094d\u092f \u0922\u093e\u0902\u091a\u093e \u0939\u0948 \u091c\u093f\u0938\u0915\u0947 \u0924\u0939\u0924 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0913\u0902 \u0915\u094b \u0935\u094d\u092f\u093e\u0935\u0938\u093e\u092f\u093f\u0915 \u0938\u0902\u092c\u0902\u0927 \u0938\u094d\u0925\u093e\u092a\u093f\u0924 \u0915\u0930\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u0940 \u092a\u0939\u091a\u093e\u0928 \u0938\u0924\u094d\u092f\u093e\u092a\u093f\u0924 \u0915\u0930\u0928\u093e \u0906\u0935\u0936\u094d\u092f\u0915 \u0939\u0948\u0964 \u092f\u0939 \u092c\u0941\u0928\u093f\u092f\u093e\u0926\u0940 \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923 \u092e\u0928\u0940 \u0932\u0949\u0928\u094d\u0921\u094d\u0930\u093f\u0902\u0917 \u0935\u093f\u0930\u094b\u0927\u0940, \u0915\u0947\u0935\u093e\u0908\u0938\u0940 \u0914\u0930 \u0917\u094d\u0930\u093e\u0939\u0915 \u0909\u091a\u093f\u0924 \u092e\u0941\u0938\u094d\u0924\u0948\u0926\u0940 \u0926\u093e\u092f\u093f\u0924\u094d\u0935\u094b\u0902 \u0915\u0947 \u0935\u094d\u092f\u093e\u092a\u0915 \u092a\u093e\u0930\u093f\u0938\u094d\u0925\u093f\u0924\u093f\u0915\u0940 \u0924\u0902\u0924\u094d\u0930 \u0915\u0947 \u092d\u0940\u0924\u0930 \u0938\u094d\u0925\u093f\u0924 \u0939\u0948\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0938\u0902\u092f\u0941\u0915\u094d\u0924 \u0930\u093e\u091c\u094d\u092f \u0905\u092e\u0947\u0930\u093f\u0915\u093e \u092e\u0947\u0902, \u092f\u0942\u090f\u0938\u090f \u092a\u0948\u091f\u094d\u0930\u093f\u092f\u091f \u0905\u0927\u093f\u0928\u093f\u092f\u092e \u0915\u0940 \u0927\u093e\u0930\u093e 326 \u0914\u0930 \u092c\u0948\u0902\u0915 \u0917\u094b\u092a\u0928\u0940\u092f\u0924\u093e \u0905\u0927\u093f\u0928\u093f\u092f\u092e (\u092c\u0948\u0902\u0915 \u0938\u0940\u0915\u094d\u0930\u0947\u0938\u0940 \u090f\u0915\u094d\u091f) \u0915\u0947 \u0924\u0939\u0924 \u092f\u0939 \u0905\u0928\u093f\u0935\u093e\u0930\u094d\u092f \u0939\u0948 \u0915\u093f \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u0917\u094d\u0930\u093e\u0939\u0915 \u092a\u0939\u091a\u093e\u0928 \u0915\u0947 \u0932\u093f\u090f \u0932\u093f\u0916\u093f\u0924, \u091c\u094b\u0916\u093f\u092e-\u0906\u0927\u093e\u0930\u093f\u0924 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e\u090f\u0902 \u0932\u093e\u0917\u0942 \u0915\u0930\u0947\u0902\u0964 \u092c\u0948\u0902\u0915 \u0915\u093e \u0938\u0940\u0906\u0908\u092a\u0940 (CIP) \u0938\u0902\u0918\u0940\u092f \u0915\u093e\u0928\u0942\u0928 \u0926\u094d\u0935\u093e\u0930\u093e \u0916\u093e\u0924\u093e \u0916\u094b\u0932\u0924\u0947 \u0938\u092e\u092f \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u0940 \u092a\u0939\u091a\u093e\u0928 \u0938\u0924\u094d\u092f\u093e\u092a\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0936\u094d\u092f\u0915 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e\u0913\u0902 \u0915\u093e \u090f\u0915 \u0938\u092e\u0942\u0939 \u0939\u0948, \u091c\u093f\u0938\u092e\u0947\u0902 \u0905\u0928\u094d\u092f \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930\u0924\u093e \u0914\u0930 \u0915\u0941\u091b \u091b\u0942\u091f \u0936\u093e\u092e\u093f\u0932 \u0939\u0948\u0902\u0964 \u092f\u0947 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e\u090f\u0902 \u090f\u0902\u091f\u0940-\u092e\u0928\u0940 \u0932\u0949\u0928\u094d\u0921\u094d\u0930\u093f\u0902\u0917 (\u0927\u0928\u0936\u094b\u0927\u0928 \u0928\u093f\u0935\u093e\u0930\u0923) \u0928\u093f\u092f\u092e\u094b\u0902 \u0915\u093e \u092a\u093e\u0932\u0928 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0936\u094d\u092f\u0915 \u0939\u0948\u0902 \u0914\u0930 \u0907\u0928\u094d\u0939\u0947\u0902 \u0938\u0902\u0935\u093f\u0926\u093e\u0924\u094d\u092e\u0915 \u0914\u0930 \u0935\u093f\u0928\u093f\u092f\u093e\u092e\u0915 \u0926\u094b\u0928\u094b\u0902 \u0922\u093e\u0902\u091a\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u093f\u0924 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u0940 \u0924\u0930\u0939 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u090f\u0902 \u092f\u0942\u0930\u094b\u092a \u092d\u0930 \u092e\u0947\u0902 \u091a\u094c\u0925\u0940, \u092a\u093e\u0901\u091a\u0935\u0940\u0902 \u0914\u0930 <a href=\"https:\/\/www.investglass.com\/hi\/%e0%a4%ae%e0%a4%a8%e0%a5%80-%e0%a4%b2%e0%a5%89%e0%a4%a8%e0%a5%8d%e0%a4%a1%e0%a5%8d%e0%a4%b0%e0%a4%bf%e0%a4%82%e0%a4%97-%e0%a4%b5%e0%a4%bf%e0%a4%b0%e0%a5%8b%e0%a4%a7%e0%a5%80-%e0%a4%9b%e0%a4%a0\/\" target=\"_self\">\u091b\u0920\u0940 \u090f\u090f\u092e\u090f\u0932 \u0921\u093e\u092f\u0930\u0947\u0915\u094d\u091f\u093f\u0935<\/a> \u0914\u0930 \u092f\u0942\u0915\u0947 \u092e\u0928\u0940 \u0932\u0949\u0928\u094d\u0921\u094d\u0930\u093f\u0902\u0917 \u0935\u093f\u0928\u093f\u092f\u092e 2017\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948 <a href=\"https:\/\/www.investglass.com\/hi\/%e0%a4%b8%e0%a4%82%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%ad%e0%a5%81-%e0%a4%95%e0%a4%be-%e0%a4%85%e0%a4%b0%e0%a5%8d%e0%a4%a5-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88\/\" target=\"_self\">\u0938\u093e\u0930\u094d\u0935\u092d\u094c\u092e<\/a>, \u0921\u093f\u091c\u093f\u091f\u0932 \u0938\u0940\u0906\u0908\u092a\u0940 \u0935\u0930\u094d\u0915\u092b\u093c\u094d\u0932\u094b \u091a\u0932\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0905\u092e\u0947\u0930\u093f\u0915\u0940 \u092f\u093e \u091a\u0940\u0928\u0940 \u092a\u094d\u0932\u0947\u091f\u092b\u093c\u0949\u0930\u094d\u092e \u0915\u093e \u0938\u094d\u0935\u093f\u091f\u094d\u091c\u093c\u0930\u0932\u0948\u0902\u0921-\u0906\u0927\u093e\u0930\u093f\u0924 \u0935\u093f\u0915\u0932\u094d\u092a\u0964 \u090f\u0915 \u0938\u094d\u0925\u093e\u0928\u0940\u092f \u0915\u093e\u0930\u094d\u092f\u093e\u0932\u092f \u090f\u0915 \u092d\u094c\u0924\u093f\u0915 \u0938\u094d\u0925\u093e\u0928 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u093e \u0939\u0948 \u091c\u0939\u093e\u0901 \u0905\u0928\u0941\u092a\u093e\u0932\u0928 \u0915\u093e \u0938\u092e\u0930\u094d\u0925\u0928 \u0915\u0930\u0928\u0947 \u0914\u0930 \u0938\u094d\u0925\u093e\u0928\u0940\u092f \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u0947 \u0938\u093e\u0925 \u092c\u093e\u0924\u091a\u0940\u0924 \u0915\u094b \u0938\u0941\u0935\u093f\u0927\u093e\u091c\u0928\u0915 \u092c\u0928\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0917\u094d\u0930\u093e\u0939\u0915 \u092a\u0939\u091a\u093e\u0928, \u0938\u0924\u094d\u092f\u093e\u092a\u0928 \u0914\u0930 \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e\u090f\u0901 \u0915\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948\u0902\u0964 \u092f\u0939 \u0926\u0943\u0937\u094d\u091f\u093f\u0915\u094b\u0923 \u0906\u0927\u0941\u0928\u093f\u0915 \u0905\u0928\u0941\u092a\u093e\u0932\u0928 \u091f\u0940\u092e\u094b\u0902 \u0915\u094b \u0906\u0935\u0936\u094d\u092f\u0915 \u0938\u094d\u0935\u091a\u093e\u0932\u0928 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0941\u090f \u0915\u094d\u0932\u093e\u0907\u0902\u091f \u0921\u0947\u091f\u093e \u0938\u0902\u092a\u094d\u0930\u092d\u0941\u0924\u093e \u0915\u0940 \u0930\u0915\u094d\u0937\u093e \u0915\u0930\u0924\u093e \u0939\u0948\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0915\u093f\u0938\u0940 \u092d\u0940 \u0917\u094d\u0930\u093e\u0939\u0915 \u092a\u0939\u091a\u093e\u0928 \u0915\u093e\u0930\u094d\u092f\u0915\u094d\u0930\u092e (\u0938\u0940\u0906\u0908\u092a\u0940) \u0915\u0947 \u0935\u094d\u092f\u093e\u0935\u0939\u093e\u0930\u093f\u0915 \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f\u094b\u0902 \u092e\u0947\u0902 \u092e\u0928\u0940 \u0932\u0949\u0928\u094d\u0921\u094d\u0930\u093f\u0902\u0917, \u0906\u0924\u0902\u0915\u0935\u093e\u0926\u0940 \u0935\u093f\u0924\u094d\u0924\u092a\u094b\u0937\u0923, \u0927\u094b\u0916\u093e\u0927\u0921\u093c\u0940 \u0914\u0930 \u092a\u0939\u091a\u093e\u0928 \u0915\u0940 \u091a\u094b\u0930\u0940 \u0915\u094b \u0930\u094b\u0915\u0928\u093e \u0936\u093e\u092e\u093f\u0932 \u0939\u0948\u0964 \u092c\u0948\u0902\u0915\u094b\u0902, \u0927\u0928 \u092a\u094d\u0930\u092c\u0902\u0927\u0915\u094b\u0902, \u092b\u093f\u0928\u091f\u0947\u0915 \u092b\u0930\u094d\u092e\u094b\u0902 \u0914\u0930 \u0905\u0928\u094d\u092f \u0935\u093f\u0928\u093f\u092f\u092e\u093f\u0924 \u0938\u0902\u0938\u094d\u0925\u093e\u0913\u0902 \u0915\u0947 \u0932\u093f\u090f, \u092e\u091c\u092c\u0942\u0924 \u0938\u0940\u0906\u0908\u092a\u0940 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0917\u094d\u0930\u093e\u0939\u0915 \u0911\u0928\u092c\u094b\u0930\u094d\u0921\u093f\u0902\u0917 \u0914\u0930 \u0935\u093f\u0928\u093f\u092f\u093e\u092e\u0915 \u0935\u093f\u0936\u094d\u0935\u093e\u0938 \u0915\u093e \u0938\u092e\u0930\u094d\u0925\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964.<\/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=\"\u0915\u0947\u0935\u093e\u0908\u0938\u0940 \u0915\u0947 \u0932\u093f\u090f \u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f\u0917\u094d\u0932\u093e\u0938 \u0938\u094d\u0935\u091a\u093e\u0932\u0928\" 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\">\u0915\u0947\u0935\u093e\u0908\u0938\u0940 \u0915\u0947 \u0932\u093f\u090f \u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f\u0917\u094d\u0932\u093e\u0938 \u0938\u094d\u0935\u091a\u093e\u0932\u0928<\/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>\u0917\u094d\u0930\u093e\u0939\u0915 \u092a\u0939\u091a\u093e\u0928 \u0915\u093e\u0930\u094d\u092f\u0915\u094d\u0930\u092e (\u0938\u0940\u0906\u0908\u092a\u0940) \u0915\u094d\u092f\u093e \u0939\u0948?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0917\u094d\u0930\u093e\u0939\u0915 \u092a\u0939\u091a\u093e\u0928 \u0915\u093e\u0930\u094d\u092f\u0915\u094d\u0930\u092e (\u0938\u0940\u0906\u0908\u092a\u0940) \u0916\u093e\u0924\u0947 \u0916\u094b\u0932\u0928\u0947 \u092f\u093e \u0935\u094d\u092f\u093e\u0935\u0938\u093e\u092f\u093f\u0915 \u0938\u0902\u092c\u0902\u0927 \u0938\u094d\u0925\u093e\u092a\u093f\u0924 \u0915\u0930\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u092a\u0939\u091a\u093e\u0928 \u0938\u0902\u092c\u0902\u0927\u0940 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u090f\u0915\u0924\u094d\u0930 \u0915\u0930\u0928\u0947 \u0914\u0930 \u0917\u094d\u0930\u093e\u0939\u0915 \u0915\u0940 \u092a\u0939\u091a\u093e\u0928 \u0915\u094b \u0938\u0924\u094d\u092f\u093e\u092a\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0940 \u090f\u0915 \u0932\u093f\u0916\u093f\u0924, \u091c\u094b\u0916\u093f\u092e-\u0906\u0927\u093e\u0930\u093f\u0924 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0939\u0948\u0964 \u0938\u0940\u0906\u0908\u092a\u0940 \u0928\u093f\u092f\u092e \u0915\u0947 \u0924\u0939\u0924 \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092f\u0939 \u0906\u0935\u0936\u094d\u092f\u0915 \u0939\u0948 \u0915\u093f \u0935\u0947 \u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u0917\u094d\u0930\u093e\u0939\u0915 \u0915\u0940 \u0935\u093e\u0938\u094d\u0924\u0935\u093f\u0915 \u092a\u0939\u091a\u093e\u0928 \u0915\u0947 \u092c\u093e\u0930\u0947 \u092e\u0947\u0902 \u090f\u0915 \u0909\u091a\u093f\u0924 \u0935\u093f\u0936\u094d\u0935\u093e\u0938 \u092c\u0928\u093e\u090f\u0902\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u092a\u094d\u0930\u092e\u0941\u0916 \u0915\u093e\u0928\u0942\u0928\u0940 \u0906\u0927\u093e\u0930\u094b\u0902 \u092e\u0947\u0902 \u0936\u093e\u092e\u093f\u0932 \u0939\u0948\u0902:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>\u0915\u094d\u0937\u0947\u0924\u094d\u0930\u093e\u0927\u093f\u0915\u093e\u0930<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u092a\u094d\u0930\u093e\u0925\u092e\u093f\u0915 \u0935\u093f\u0927\u093e\u0928<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u092e\u0941\u0916\u094d\u092f \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u090f\u0901<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0938\u0902\u092f\u0941\u0915\u094d\u0924 \u0930\u093e\u091c\u094d\u092f \u0905\u092e\u0947\u0930\u093f\u0915\u093e<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>USA \u0926\u0947\u0936\u092d\u0915\u094d\u0924 \u0905\u0927\u093f\u0928\u093f\u092f\u092e \u0927\u093e\u0930\u093e 326, \u092c\u0948\u0902\u0915 \u0917\u094b\u092a\u0928\u0940\u092f\u0924\u093e \u0905\u0927\u093f\u0928\u093f\u092f\u092e (31 CFR 1020.220)<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0932\u093f\u0916\u093f\u0924 \u0938\u0940\u0906\u0908\u092a\u0940, \u092a\u0939\u091a\u093e\u0928 \u0938\u0924\u094d\u092f\u093e\u092a\u0928, \u092a\u094d\u0930\u0924\u093f\u092c\u0902\u0927 \u0938\u094d\u0915\u094d\u0930\u0940\u0928\u093f\u0902\u0917, 5-\u0935\u0930\u094d\u0937\u0940\u092f \u0930\u093f\u0915\u0949\u0930\u094d\u0921\u0915\u0940\u092a\u093f\u0902\u0917<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u092f\u0942\u0930\u094b\u092a\u0940\u092f \u0938\u0902\u0918<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u091a\u094c\u0925\u0940 \u0938\u0947 \u091b\u0920\u0940 \u090f\u090f\u092e\u090f\u0932 \u0928\u093f\u0930\u094d\u0926\u0947\u0936\u093f\u0915\u093e<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0935\u094d\u092f\u093e\u092a\u093e\u0930\u093f\u0915 \u0938\u0902\u092c\u0902\u0927 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0917\u094d\u0930\u093e\u0939\u0915 \u0915\u0940 \u0909\u091a\u093f\u0924 \u091c\u093e\u0902\u091a (\u0921\u094d\u092f\u0942 \u0921\u093f\u0932\u093f\u091c\u0947\u0902\u0938), \u091c\u094b\u0916\u093f\u092e-\u0906\u0927\u093e\u0930\u093f\u0924 \u0926\u0943\u0937\u094d\u091f\u093f\u0915\u094b\u0923<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u092f\u0942\u0928\u093e\u0907\u091f\u0947\u0921 \u0915\u093f\u0902\u0917\u0921\u092e<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u092e\u0928\u0940 \u0932\u0949\u0928\u094d\u0921\u094d\u0930\u093f\u0902\u0917 \u0935\u093f\u0928\u093f\u092f\u092e 2017 (2023 \u092e\u0947\u0902 \u0905\u0926\u094d\u092f\u0924\u0928)<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0938\u0940\u0921\u0940\u0921\u0940, \u0932\u093e\u092d\u0915\u093e\u0930\u0940 \u0938\u094d\u0935\u093e\u092e\u093f\u0924\u094d\u0935, \u0928\u093f\u0930\u0902\u0924\u0930 \u0928\u093f\u0917\u0930\u093e\u0928\u0940<\/p><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u0938\u0940\u0906\u0908\u092a\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u090f\u0901 \u092c\u0948\u0902\u0915\u094b\u0902, \u0928\u093f\u091c\u0940 \u092c\u0948\u0902\u0915\u094b\u0902, \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092f\u0942\u0928\u093f\u092f\u0928\u094b\u0902, \u0927\u0928 \u0914\u0930 \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u092a\u094d\u0930\u092c\u0902\u0927\u0915\u094b\u0902, \u092c\u0940\u092e\u093e \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902, \u0928\u093f\u0935\u0947\u0936 \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902, \u092d\u0941\u0917\u0924\u093e\u0928 \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902, \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b-\u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0938\u0947\u0935\u093e \u092a\u094d\u0930\u0926\u093e\u0924\u093e\u0913\u0902 \u0914\u0930 \u092c\u094d\u0930\u094b\u0915\u0930-\u0921\u0940\u0932\u0930 \u0914\u0930 \u092c\u0940\u092e\u093e \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u091c\u0948\u0938\u0947 \u0905\u0928\u094d\u092f \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u092a\u0930 \u0932\u093e\u0917\u0942 \u0939\u094b\u0924\u0940 \u0939\u0948\u0902, \u0907\u0928 \u0938\u092d\u0940 \u0915\u094b \u0907\u0928 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e\u0913\u0902 \u0915\u093e \u092a\u093e\u0932\u0928 \u0915\u0930\u0928\u093e \u0939\u094b\u0917\u093e\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0938\u0940\u0906\u0908\u092a\u0940 \u0915\u0947 \u091a\u093e\u0930 \u092e\u0941\u0916\u094d\u092f \u0938\u094d\u0924\u0902\u092d \u0939\u0948\u0902:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u0917\u094d\u0930\u093e\u0939\u0915 \u0915\u0940 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 (\u0928\u093e\u092e, \u091c\u0928\u094d\u092e \u0924\u093f\u0925\u093f, \u092a\u0924\u093e, \u092a\u0939\u091a\u093e\u0928 \u0938\u0902\u0916\u094d\u092f\u093e) \u090f\u0915\u0924\u094d\u0930 \u0915\u0930\u0928\u093e<\/li>\n\n\n\n<li>\u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c\u0940 \u092f\u093e \u0917\u0948\u0930-\u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c\u0940 \u0924\u0930\u0940\u0915\u094b\u0902 \u0938\u0947 \u0907\u0938 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0915\u093e \u0938\u0924\u094d\u092f\u093e\u092a\u0928 \u0915\u0930\u0928\u093e<\/li>\n\n\n\n<li>\u091c\u094d\u091e\u093e\u0924 \u092f\u093e \u0938\u0902\u0926\u093f\u0917\u094d\u0927 \u0906\u0924\u0902\u0915\u0935\u093e\u0926\u093f\u092f\u094b\u0902 \u0914\u0930 \u092a\u094d\u0930\u0924\u093f\u092c\u0902\u0927\u094b\u0902 \u0915\u0940 \u0938\u0930\u0915\u093e\u0930\u0940 \u0938\u0942\u091a\u093f\u092f\u094b\u0902 \u0915\u0947 \u0935\u093f\u0930\u0941\u0926\u094d\u0927 \u091c\u093e\u0901\u091a<\/li>\n\n\n\n<li>\u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0905\u0935\u0927\u093e\u0930\u0923 \u0905\u0935\u0927\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0930\u093f\u0915\u0949\u0930\u094d\u0921 \u092c\u0928\u093e\u090f \u0930\u0916\u0928\u093e<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">CIP \u0915\u0947 \u0924\u0939\u0924 \u0915\u0941\u091b \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902, \u091c\u0948\u0938\u0947 \u0915\u093f \u092e\u093e\u0928\u0915 \u092a\u0939\u091a\u093e\u0928 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u094b\u0902 \u0915\u0947 \u092c\u093f\u0928\u093e \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u092f\u093e \u092a\u0939\u091a\u093e\u0928 \u0938\u0902\u0916\u094d\u092f\u093e \u0915\u0947 \u092c\u093f\u0928\u093e \u0935\u093f\u0926\u0947\u0936\u0940 \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f, \u0905\u0928\u0941\u0915\u0942\u0932\u093f\u0924 \u0938\u0924\u094d\u092f\u093e\u092a\u0928 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e\u0913\u0902 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0938\u0940\u0906\u0908\u092a\u0940 \u0935\u094d\u092f\u093e\u092a\u0915 \u0915\u0947\u0935\u093e\u0907\u0938\u0940 \u091c\u0940\u0935\u0928\u091a\u0915\u094d\u0930 \u0915\u0947 \u092d\u0940\u0924\u0930 \u092a\u0939\u0932\u0947 \u091a\u0930\u0923 \u0915\u093e \u092a\u094d\u0930\u0924\u093f\u0928\u093f\u0927\u093f\u0924\u094d\u0935 \u0915\u0930\u0924\u093e \u0939\u0948, \u091c\u094b \u0909\u091a\u094d\u091a \u091c\u094b\u0916\u093f\u092e \u0935\u093e\u0932\u0947 \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u091a\u0932 \u0930\u0939\u0940 \u0928\u093f\u0917\u0930\u093e\u0928\u0940 \u0914\u0930 \u0909\u0928\u094d\u0928\u0924 \u0909\u091a\u093f\u0924 \u092a\u0930\u093f\u0936\u094d\u0930\u092e \u0924\u0915 \u092b\u0948\u0932\u093e \u0939\u0941\u0906 \u0939\u0948\u0964.<\/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>\u0928\u093f\u092f\u093e\u092e\u0915 \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u0914\u0930 \u091c\u094b\u0916\u093f\u092e \u0928\u094d\u092f\u0942\u0928\u0940\u0915\u0930\u0923<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0928\u093f\u092f\u093e\u092e\u0915 \u092f\u0939 \u0905\u092a\u0947\u0915\u094d\u0937\u093e \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u0915\u093f \u0938\u0940\u0906\u0908\u092a\u0940 (CIPs) \u090f\u0915 \u0909\u091a\u093f\u0924 \u0935\u093f\u0936\u094d\u0935\u093e\u0938 \u0938\u094d\u0925\u093e\u092a\u093f\u0924 \u0915\u0930\u0947\u0902 \u0915\u093f \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u0909\u091a\u093f\u0924 \u0914\u0930 \u0935\u094d\u092f\u093e\u0935\u0939\u093e\u0930\u093f\u0915 \u0938\u0940\u092e\u093e \u0924\u0915 \u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u0917\u094d\u0930\u093e\u0939\u0915 \u0915\u0940 \u0935\u093e\u0938\u094d\u0924\u0935\u093f\u0915 \u092a\u0939\u091a\u093e\u0928 \u0915\u094b \u091c\u093e\u0928\u0924\u0947 \u0939\u0948\u0902\u0964 \u0938\u0902\u0918\u0940\u092f \u0915\u093e\u0930\u094d\u092f\u093e\u0924\u094d\u092e\u0915 \u0928\u093f\u092f\u093e\u092e\u0915 \u0914\u0930 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0905\u092a\u0930\u093e\u0927 \u092a\u094d\u0930\u0935\u0930\u094d\u0924\u0928 \u0928\u0947\u091f\u0935\u0930\u094d\u0915 \u091c\u0948\u0938\u0947 \u0928\u093f\u0915\u093e\u092f \u0907\u0938 \u092c\u093e\u0924 \u0915\u0940 \u091c\u093e\u0901\u091a \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u0915\u093f \u0915\u094d\u092f\u093e \u092b\u0930\u094d\u092e\u094b\u0902 \u0915\u0947 \u092a\u093e\u0938 \u0938\u0924\u094d\u092f\u093e\u092a\u0928 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e\u0913\u0902 \u0915\u0947 \u0932\u093f\u090f \u092a\u0930\u094d\u092f\u093e\u092a\u094d\u0924 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e\u090f\u0901 \u0939\u0948\u0902\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0906\u0927\u0941\u0928\u093f\u0915 \u0938\u0940\u0906\u0908\u092a\u0940 \u0928\u0940\u0924\u093f\u092f\u093e\u0902 \u091c\u094b\u0916\u093f\u092e-\u0906\u0927\u093e\u0930\u093f\u0924 \u0926\u0943\u0937\u094d\u091f\u093f\u0915\u094b\u0923 \u0915\u093e \u092a\u093e\u0932\u0928 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902\u0964 \u0907\u0938\u0915\u093e \u092e\u0924\u0932\u092c \u0915\u092e \u091c\u094b\u0916\u093f\u092e \u0935\u093e\u0932\u0947, \u0935\u0948\u0927 \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0938\u0930\u0932\u0940\u0915\u0943\u0924 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e\u0913\u0902 \u0915\u0940 \u0905\u0928\u0941\u092e\u0924\u093f \u0926\u0947\u0924\u0947 \u0939\u0941\u090f \u0909\u091a\u094d\u091a \u091c\u094b\u0916\u093f\u092e \u0935\u093e\u0932\u0947 \u0916\u0902\u0921\u094b\u0902 (\u091c\u0948\u0938\u0947 \u0930\u093e\u091c\u0928\u0940\u0924\u093f\u0915 \u0930\u0942\u092a \u0938\u0947 \u0938\u0902\u0935\u0947\u0926\u0928\u0936\u0940\u0932 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u092f\u094b\u0902 \u092f\u093e \u0909\u091a\u094d\u091a \u091c\u094b\u0916\u093f\u092e \u0935\u093e\u0932\u0947 \u0928\u094d\u092f\u093e\u092f\u0915\u094d\u0937\u0947\u0924\u094d\u0930\u094b\u0902 \u0915\u0947 \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902) \u092a\u0930 \u0938\u0916\u094d\u0924 \u091c\u093e\u0902\u091a \u0932\u093e\u0917\u0942 \u0915\u0930\u0928\u093e \u0939\u0948\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0905\u0928\u0941\u092a\u092f\u0941\u0915\u094d\u0924 CIP \u0917\u0902\u092d\u0940\u0930 \u092a\u0930\u093f\u0923\u093e\u092e\u094b\u0902 \u0915\u093e \u0915\u093e\u0930\u0923 \u092c\u0928 \u0938\u0915\u0924\u093e \u0939\u0948\u0964 2012 \u092e\u0947\u0902 HSBC \u0926\u094d\u0935\u093e\u0930\u093e 1.9 \u0905\u0930\u092c \u0921\u0949\u0932\u0930 \u0915\u093e \u0938\u092e\u091d\u094c\u0924\u093e \u0906\u0902\u0936\u093f\u0915 \u0930\u0942\u092a \u0938\u0947 \u0915\u092e\u091c\u094b\u0930 \u0917\u094d\u0930\u093e\u0939\u0915 \u092a\u0939\u091a\u093e\u0928 \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923\u094b\u0902 \u0915\u0947 \u0915\u093e\u0930\u0923 \u0939\u0941\u0906 \u0925\u093e\u0964 \u0939\u093e\u0932 \u0939\u0940 \u092e\u0947\u0902, FinCEN \u0928\u0947 2024 \u092e\u0947\u0902 \u092a\u0939\u091a\u093e\u0928 \u0927\u094b\u0916\u093e\u0927\u0921\u093c\u0940 \u0938\u0947 \u0938\u0902\u092c\u0902\u0927\u093f\u0924 1.5 \u092e\u093f\u0932\u093f\u092f\u0928 \u0938\u0947 \u0905\u0927\u093f\u0915 \u0938\u0902\u0926\u093f\u0917\u094d\u0927 \u0917\u0924\u093f\u0935\u093f\u0927\u093f \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u0926\u0930\u094d\u091c \u0915\u0940\u0902, \u091c\u094b \u091c\u093e\u0930\u0940 \u091c\u094b\u0916\u093f\u092e \u0915\u094b \u0930\u0947\u0916\u093e\u0902\u0915\u093f\u0924 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u090f\u0915 \u092c\u0948\u0902\u0915 \u0915\u093e \u091c\u094b\u0916\u093f\u092e \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u0911\u0928\u092c\u094b\u0930\u094d\u0921\u093f\u0902\u0917 \u0915\u0947 \u0926\u094c\u0930\u093e\u0928 \u0915\u092e\u091c\u094b\u0930\u093f\u092f\u094b\u0902 \u0915\u0940 \u092a\u0939\u091a\u093e\u0928 \u0915\u0930\u0915\u0947 \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u0940 \u092a\u0939\u091a\u093e\u0928 \u0938\u0924\u094d\u092f\u093e\u092a\u093f\u0924 \u0915\u0930\u0928\u0947 \u0914\u0930 \u0905\u0928\u0941\u092a\u093e\u0932\u0928 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e\u0913\u0902 \u0915\u093e \u092e\u093e\u0930\u094d\u0917\u0926\u0930\u094d\u0936\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u0910\u0938\u093e \u0928 \u0915\u0930\u0928\u0947 \u092a\u0930 \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u092a\u094d\u0930\u0935\u0930\u094d\u0924\u0928 \u0915\u093e\u0930\u094d\u0930\u0935\u093e\u0908, \u0938\u0902\u0918\u0940\u092f \u0915\u093e\u0928\u0942\u0928 \u0915\u0947 \u0924\u0939\u0924 \u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u0909\u0932\u094d\u0932\u0902\u0918\u0928 \u092a\u0930 $1 \u092e\u093f\u0932\u093f\u092f\u0928 \u0924\u0915 \u0915\u0940 \u0928\u093e\u0917\u0930\u093f\u0915 \u0926\u0902\u0921, \u0914\u0930 \u0926\u0940\u0930\u094d\u0918\u0915\u093e\u0932\u093f\u0915 \u092a\u094d\u0930\u0924\u093f\u0937\u094d\u0920\u093e \u0915\u094d\u0937\u0924\u093f \u0915\u0947 \u091c\u094b\u0916\u093f\u092e \u092e\u0947\u0902 \u092a\u0921\u093c\u0924\u093e \u0939\u0948\u0964.<\/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>\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0905\u092a\u0930\u093e\u0927 \u0914\u0930 \u092a\u094d\u0930\u0924\u093f\u0937\u094d\u0920\u093e \u0915\u094b \u0928\u0941\u0915\u0938\u093e\u0928 \u0938\u0947 \u0938\u0941\u0930\u0915\u094d\u0937\u093e<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u092e\u091c\u092c\u0942\u0924 \u0938\u0940\u0906\u0908\u092a\u0940 (CIP) \u092a\u094d\u0930\u0935\u0947\u0936 \u0926\u094d\u0935\u093e\u0930 \u092a\u0930 \u0939\u0940 \u092c\u0941\u0930\u0947 \u0924\u0924\u094d\u0935\u094b\u0902 \u0915\u094b \u0930\u094b\u0915\u0915\u0930 \u092e\u0928\u0940 \u0932\u0949\u0928\u094d\u0921\u094d\u0930\u093f\u0902\u0917 \u0917\u0924\u093f\u0935\u093f\u0927\u093f\u092f\u094b\u0902, \u0906\u0924\u0902\u0915\u0935\u093e\u0926\u0940 \u0935\u093f\u0924\u094d\u0924\u092a\u094b\u0937\u0923, \u092a\u094d\u0930\u0924\u093f\u092c\u0902\u0927\u094b\u0902 \u0915\u0947 \u0909\u0932\u094d\u0932\u0902\u0918\u0928 \u0914\u0930 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0905\u092a\u0930\u093e\u0927\u094b\u0902 \u0915\u0947 \u0938\u0902\u092a\u0930\u094d\u0915 \u092e\u0947\u0902 \u0906\u0928\u0947 \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e \u0915\u094b \u0915\u092e \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u0913\u090f\u092b\u090f\u0938\u0940 (OFAC) \u0915\u0940 \u0935\u093f\u0936\u0947\u0937 \u0930\u0942\u092a \u0938\u0947 \u0928\u093e\u092e\u093f\u0924 \u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0935\u093e\u0926\u093f\u092f\u094b\u0902 \u0915\u0940 \u0938\u0942\u091a\u0940, \u0908\u092f\u0942 (EU) \u092a\u094d\u0930\u0924\u093f\u092c\u0902\u0927\u094b\u0902 \u0914\u0930 \u0938\u0902\u092f\u0941\u0915\u094d\u0924 \u0930\u093e\u0937\u094d\u091f\u094d\u0930 \u0915\u0940 \u0938\u0942\u091a\u093f\u092f\u094b\u0902 \u0915\u0947 \u0916\u093f\u0932\u093e\u092b \u091c\u093e\u0902\u091a \u0915\u0930\u0928\u0947 \u0938\u0947 \u0916\u093e\u0924\u0947 \u0938\u0915\u094d\u0930\u093f\u092f \u0939\u094b\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0938\u0902\u0926\u093f\u0917\u094d\u0927 \u0906\u0924\u0902\u0915\u0935\u093e\u0926\u093f\u092f\u094b\u0902 \u0914\u0930 \u0906\u0924\u0902\u0915\u0935\u093e\u0926\u0940 \u0938\u0902\u0917\u0920\u0928\u094b\u0902 \u0915\u0940 \u092a\u0939\u091a\u093e\u0928 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u092e\u093f\u0932\u0924\u0940 \u0939\u0948\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0907\u0928 \u092a\u0930\u093f\u0926\u0943\u0936\u094d\u092f\u094b\u0902 \u092a\u0930 \u0935\u093f\u091a\u093e\u0930 \u0915\u0930\u0947\u0902:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u090f\u0915 \u0928\u093f\u091c\u0940 \u092c\u0948\u0902\u0915 \u0915\u093e \u0938\u0940\u0906\u0908\u092a\u0940 (CIP) \u090f\u0915 \u0910\u0938\u0947 \u0906\u0935\u0947\u0926\u0915 \u0915\u094b \u091a\u093f\u0939\u094d\u0928\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948 \u091c\u093f\u0938\u0915\u093e \u092a\u093e\u0938\u092a\u094b\u0930\u094d\u091f \u0928\u0902\u092c\u0930 \u092f\u0942\u0930\u094b\u092a\u0940\u092f \u0938\u0902\u0918 (EU) \u0915\u0947 \u092a\u094d\u0930\u0924\u093f\u092c\u0902\u0927 \u092a\u094d\u0930\u0935\u093f\u0937\u094d\u091f\u093f \u0938\u0947 \u092e\u0947\u0932 \u0916\u093e\u0924\u093e \u0939\u0948\u0964 \u0938\u0902\u092d\u093e\u0935\u093f\u0924 \u0909\u0932\u094d\u0932\u0902\u0918\u0928 \u0915\u094b \u0930\u094b\u0915\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0911\u0928\u092c\u094b\u0930\u094d\u0921\u093f\u0902\u0917 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u092e\u0948\u0928\u094d\u092f\u0941\u0905\u0932 \u0938\u092e\u0940\u0915\u094d\u0937\u093e \u0915\u0947 \u0932\u093f\u090f \u0930\u0941\u0915 \u091c\u093e\u0924\u0940 \u0939\u0948\u0964.<\/li>\n\n\n\n<li>\u090f\u0915 \u0935\u0947\u0932\u094d\u0925 \u092e\u0948\u0928\u0947\u091c\u0930 \u0915\u0940 \u0938\u094d\u0935\u091a\u093e\u0932\u093f\u0924 \u0938\u094d\u0915\u094d\u0930\u0940\u0928\u093f\u0902\u0917 \u090f\u0915 \u0909\u091a\u094d\u091a-\u091c\u094b\u0916\u093f\u092e \u0935\u093e\u0932\u0947 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u093e\u0927\u093f\u0915\u093e\u0930 \u0938\u0947 \u0905\u0938\u094d\u092a\u0937\u094d\u091f \u0932\u093e\u092d\u0915\u093e\u0930\u0940 \u0938\u094d\u0935\u093e\u092e\u093f\u0924\u094d\u0935 \u0935\u093e\u0932\u0940 \u090f\u0915 \u0915\u093e\u0928\u0942\u0928\u0940 \u0907\u0915\u093e\u0908 \u0915\u0940 \u092a\u0939\u091a\u093e\u0928 \u0915\u0930\u0924\u0940 \u0939\u0948, \u091c\u094b \u0906\u0917\u0947 \u092c\u0922\u093c\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0935\u0930\u094d\u0927\u093f\u0924 \u0909\u091a\u093f\u0924 \u092a\u0930\u093f\u0936\u094d\u0930\u092e \u0915\u094b \u091f\u094d\u0930\u093f\u0917\u0930 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">FinCEN \u0928\u0947 2024 \u092e\u0947\u0902 15 \u0932\u093e\u0916 \u0938\u0947 \u0905\u0927\u093f\u0915 \u0938\u0902\u0926\u093f\u0917\u094d\u0927 \u0917\u0924\u093f\u0935\u093f\u0927\u093f \u0930\u093f\u092a\u094b\u0930\u094d\u091f\u094b\u0902 \u0915\u0940 \u0938\u0942\u091a\u0928\u093e \u0926\u0940\u0964 \u091c\u092c \u0917\u094d\u0930\u093e\u0939\u0915 \u092a\u0939\u091a\u093e\u0928 \u0915\u093e\u0930\u094d\u092f\u0915\u094d\u0930\u092e (CIP) \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0938\u0902\u092d\u093e\u0935\u093f\u0924 \u092e\u0928\u0940 \u0932\u0949\u0928\u094d\u0921\u094d\u0930\u093f\u0902\u0917 \u092f\u093e \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0905\u092a\u0930\u093e\u0927\u094b\u0902 \u0915\u093e \u0938\u0902\u0915\u0947\u0924 \u0926\u0947\u0928\u0947 \u0935\u093e\u0932\u0947 \u0932\u0947\u0928-\u0926\u0947\u0928 \u092f\u093e \u0935\u094d\u092f\u0935\u0939\u093e\u0930 \u0915\u0940 \u092a\u0939\u091a\u093e\u0928 \u0915\u0930\u0924\u0940 \u0939\u0948, \u0924\u094b \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u0915\u094b \u0935\u093f\u0928\u093f\u092f\u093e\u092e\u0915 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u0913\u0902 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u0938\u0902\u0926\u093f\u0917\u094d\u0927 \u0917\u0924\u093f\u0935\u093f\u0927\u093f \u0930\u093f\u092a\u094b\u0930\u094d\u091f (SAR) \u0926\u093e\u0916\u093f\u0932 \u0915\u0930\u0928\u093e \u0906\u0935\u0936\u094d\u092f\u0915 \u0939\u094b\u0924\u093e \u0939\u0948\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u092e\u091c\u092c\u0942\u0924 \u0938\u0940\u0906\u0908\u092a\u0940 (CIP) \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923 \u091c\u0928\u0924\u093e \u0914\u0930 \u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902 \u0915\u093e \u0935\u093f\u0936\u094d\u0935\u093e\u0938 \u092c\u0922\u093c\u093e\u0924\u0947 \u0939\u0948\u0902\u0964 \u0932\u0917\u093e\u0924\u093e\u0930 \u0914\u0930 \u0911\u0921\u093f\u091f \u0915\u0930\u0928\u0947 \u092f\u094b\u0917\u094d\u092f \u0911\u0928\u092c\u094b\u0930\u094d\u0921\u093f\u0902\u0917 \u0935\u0930\u094d\u0915\u092b\u093c\u094d\u0932\u094b \u0935\u093e\u0932\u0940 \u0938\u0902\u0938\u094d\u0925\u093e\u090f\u0902 \u0936\u093e\u0938\u0928 \u0915\u0940 \u092a\u0930\u093f\u092a\u0915\u094d\u0935\u0924\u093e \u0915\u094b \u092a\u094d\u0930\u0926\u0930\u094d\u0936\u093f\u0924 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902, \u091c\u094b \u092c\u0926\u0932\u0947 \u092e\u0947\u0902 \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u0914\u0930 \u092c\u094d\u0930\u093e\u0902\u0921 \u0915\u0940 \u0927\u093e\u0930\u0923\u093e \u0915\u093e \u0938\u092e\u0930\u094d\u0925\u0928 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f\u0917\u094d\u0932\u093e\u0938 \u0911\u091f\u094b\u092e\u0947\u0936\u0928 \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u0915\u094b \u0939\u0930 \u092c\u093e\u0930 \u0932\u0917\u093e\u0924\u093e\u0930 \u0938\u0940\u0906\u0908\u092a\u0940 (CIP) \u0928\u093f\u092f\u092e\u094b\u0902 \u0915\u094b \u0932\u093e\u0917\u0942 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u092e\u093e\u0928\u0935\u0940\u092f \u0924\u094d\u0930\u0941\u091f\u093f\u092f\u093e\u0902 \u0915\u092e \u0939\u094b\u0924\u0940 \u0939\u0948\u0902 \u091c\u094b \u092a\u094d\u0930\u0924\u093f\u0937\u094d\u0920\u093e \u0915\u094b \u0928\u0941\u0915\u0938\u093e\u0928 \u092a\u0939\u0941\u0902\u091a\u093e\u0924\u0940 \u0939\u0948\u0902 \u0914\u0930 \u0935\u093f\u0928\u093f\u092f\u093e\u092e\u0915 \u091c\u093e\u0902\u091a \u0915\u094b \u0906\u092e\u0902\u0924\u094d\u0930\u093f\u0924 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902\u0964.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-benefits-of-a-customer-identification-program\"><span class=\"ez-toc-section\" id=\"Benefits_of_a_Customer_Identification_Program\"><\/span>\u0917\u094d\u0930\u093e\u0939\u0915 \u092a\u0939\u091a\u093e\u0928 \u0915\u093e\u0930\u094d\u092f\u0915\u094d\u0930\u092e \u0915\u0947 \u0932\u093e\u092d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u090f\u0915 \u0905\u091a\u094d\u091b\u0940 \u0924\u0930\u0939 \u0938\u0947 \u0938\u0902\u0930\u091a\u093f\u0924 \u0917\u094d\u0930\u093e\u0939\u0915 \u092a\u0939\u091a\u093e\u0928 \u0915\u093e\u0930\u094d\u092f\u0915\u094d\u0930\u092e (\u0938\u0940\u0906\u0908\u092a\u0940) \u0906\u091c \u0915\u0947 \u091c\u091f\u093f\u0932 \u0928\u093f\u092f\u093e\u092e\u0915 \u092a\u0930\u093f\u0926\u0943\u0936\u094d\u092f \u092e\u0947\u0902 \u0915\u093e\u092e \u0915\u0930 \u0930\u0939\u0947 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0932\u093e\u092d \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u090f\u0915 \u092e\u091c\u092c\u0942\u0924 \u092a\u0939\u091a\u093e\u0928 \u0915\u093e\u0930\u094d\u092f\u0915\u094d\u0930\u092e \u0915\u094b \u0932\u093e\u0917\u0942 \u0915\u0930\u0915\u0947, \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u092a\u094d\u0930\u092d\u093e\u0935\u0940 \u0922\u0902\u0917 \u0938\u0947 \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u0940 \u092a\u0939\u091a\u093e\u0928 \u0915\u093e \u0938\u0924\u094d\u092f\u093e\u092a\u0928 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u091c\u094b \u092e\u0928\u0940 \u0932\u0949\u0928\u094d\u0921\u094d\u0930\u093f\u0902\u0917, \u0906\u0924\u0902\u0915\u0935\u093e\u0926\u0940 \u0935\u093f\u0924\u094d\u0924\u092a\u094b\u0937\u0923 \u0914\u0930 \u0905\u0928\u094d\u092f \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0905\u092a\u0930\u093e\u0927\u094b\u0902 \u0915\u094b \u0930\u094b\u0915\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0936\u094d\u092f\u0915 \u0939\u0948\u0964 \u092f\u0939 \u0938\u0915\u094d\u0930\u093f\u092f \u0926\u0943\u0937\u094d\u091f\u093f\u0915\u094b\u0923 \u092f\u0939 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0924\u093e \u0939\u0948 \u0915\u093f \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u0905\u0928\u091c\u093e\u0928\u0947 \u092e\u0947\u0902 \u091c\u094d\u091e\u093e\u0924 \u092f\u093e \u0938\u0902\u0926\u093f\u0917\u094d\u0927 \u0906\u0924\u0902\u0915\u0935\u093e\u0926\u093f\u092f\u094b\u0902 \u0938\u0947 \u091c\u0941\u0921\u093c\u0947 \u0932\u0947\u0928-\u0926\u0947\u0928 \u0915\u094b \u0938\u0941\u0935\u093f\u0927\u093e\u091c\u0928\u0915 \u0928 \u092c\u0928\u093e\u090f\u0902, \u091c\u093f\u0938\u0938\u0947 \u0909\u0928\u0915\u0940 \u092a\u094d\u0930\u0924\u093f\u0937\u094d\u0920\u093e \u0914\u0930 \u0935\u094d\u092f\u093e\u092a\u0915 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0926\u094b\u0928\u094b\u0902 \u0915\u0940 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0939\u094b \u0938\u0915\u0947\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u090f\u0915 \u0935\u094d\u092f\u093e\u092a\u0915 \u0917\u094d\u0930\u093e\u0939\u0915 \u092a\u0939\u091a\u093e\u0928 \u0915\u093e\u0930\u094d\u092f\u0915\u094d\u0930\u092e (\u0938\u0940\u0906\u0908\u092a\u0940) \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u0940 \u0917\u0924\u093f\u0935\u093f\u0927\u093f \u0915\u0940 \u091a\u0932 \u0930\u0939\u0940 \u0928\u093f\u0917\u0930\u093e\u0928\u0940 \u0915\u093e \u092d\u0940 \u0938\u092e\u0930\u094d\u0925\u0928 \u0915\u0930\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u0915\u094b \u0905\u0927\u093f\u0915 \u0915\u0941\u0936\u0932\u0924\u093e \u0938\u0947 \u0938\u0902\u0926\u093f\u0917\u094d\u0927 \u0935\u094d\u092f\u0935\u0939\u093e\u0930 \u0915\u093e \u092a\u0924\u093e \u0932\u0917\u093e\u0928\u0947 \u0914\u0930 \u0909\u0938 \u092a\u0930 \u092a\u094d\u0930\u0924\u093f\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u092e\u093f\u0932\u0924\u0940 \u0939\u0948\u0964 \u0938\u0902\u092d\u093e\u0935\u093f\u0924 \u091c\u094b\u0916\u093f\u092e\u094b\u0902 \u0915\u0940 \u0938\u092e\u092f \u0930\u0939\u0924\u0947 \u092a\u0939\u091a\u093e\u0928 \u0915\u0930\u0928\u0947 \u0914\u0930 \u0909\u0928\u094d\u0939\u0947\u0902 \u0915\u092e \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0909\u091a\u093f\u0924 \u0915\u093e\u0930\u094d\u0930\u0935\u093e\u0908 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092f\u0939 \u0928\u093f\u0930\u0902\u0924\u0930 \u0938\u0924\u0930\u094d\u0915\u0924\u093e \u0905\u0924\u094d\u092f\u0902\u0924 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0939\u0948\u0964 \u0907\u0938\u0915\u0947 \u0905\u0932\u093e\u0935\u093e, \u090f\u0915 \u092e\u091c\u092c\u0942\u0924 \u0938\u0940\u0906\u0908\u092a\u0940 \u0911\u0928\u092c\u094b\u0930\u094d\u0921\u093f\u0902\u0917 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u094b \u0938\u0930\u0932 \u092c\u0928\u093e\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0935\u0948\u0927 \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u094b \u0905\u0927\u093f\u0915 \u0924\u0947\u091c\u093c\u0940 \u0938\u0947 \u0914\u0930 \u0915\u092e \u092c\u093e\u0927\u093e \u0915\u0947 \u0938\u093e\u0925 \u0916\u093e\u0924\u0947 \u0916\u094b\u0932\u0928\u0947 \u0915\u0940 \u0905\u0928\u0941\u092e\u0924\u093f \u092e\u093f\u0932\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0938\u092e\u0917\u094d\u0930 \u0917\u094d\u0930\u093e\u0939\u0915 \u0905\u0928\u0941\u092d\u0935 \u092c\u0947\u0939\u0924\u0930 \u0939\u094b\u0924\u093e \u0939\u0948\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0938\u0940\u0906\u0908\u092a\u0940 (CIP) \u0915\u0947 \u0939\u093f\u0938\u094d\u0938\u0947 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0938\u091f\u0940\u0915 \u0930\u093f\u0915\u0949\u0930\u094d\u0921 \u092c\u0928\u093e\u090f \u0930\u0916\u0928\u093e \u0928 \u0915\u0947\u0935\u0932 \u0935\u093f\u0928\u093f\u092f\u093e\u092e\u0915 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u0913\u0902 \u0915\u094b \u092a\u0942\u0930\u093e \u0915\u0930\u0924\u093e \u0939\u0948 \u092c\u0932\u094d\u0915\u093f \u092d\u0935\u093f\u0937\u094d\u092f \u0915\u0947 \u0938\u0902\u0926\u0930\u094d\u092d \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0935\u093f\u0936\u094d\u0935\u0938\u0928\u0940\u092f \u0911\u0921\u093f\u091f \u091f\u094d\u0930\u0947\u0932 \u092d\u0940 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u092f\u0939 \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u093f\u0924\u093e \u0928\u093f\u092f\u093e\u092e\u0915\u094b\u0902 \u0914\u0930 \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0926\u094b\u0928\u094b\u0902 \u0915\u0947 \u0938\u093e\u0925 \u0935\u093f\u0936\u094d\u0935\u093e\u0938 \u092c\u0928\u093e\u0924\u0940 \u0939\u0948, \u091c\u094b \u0905\u0928\u0941\u092a\u093e\u0932\u0928 \u0914\u0930 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0905\u092a\u0930\u093e\u0927\u094b\u0902 \u0915\u0947 \u0916\u093f\u0932\u093e\u092b \u0932\u0921\u093c\u093e\u0908 \u0915\u0947 \u092a\u094d\u0930\u0924\u093f \u0938\u0902\u0938\u094d\u0925\u093e \u0915\u0940 \u092a\u094d\u0930\u0924\u093f\u092c\u0926\u094d\u0927\u0924\u093e \u0915\u094b \u092a\u094d\u0930\u0926\u0930\u094d\u0936\u093f\u0924 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964 \u0905\u0902\u0924\u0924\u0903, \u090f\u0915 \u0905\u091a\u094d\u091b\u0940 \u0924\u0930\u0939 \u0938\u0947 \u0928\u093f\u0937\u094d\u092a\u093e\u0926\u093f\u0924 \u0938\u0940\u0906\u0908\u092a\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u0915\u0940 \u0905\u0916\u0902\u0921\u0924\u093e \u0915\u094b \u092e\u091c\u092c\u0942\u0924 \u0915\u0930\u0924\u093e \u0939\u0948, \u0935\u093f\u0928\u093f\u092f\u093e\u092e\u0915 \u0935\u093f\u0936\u094d\u0935\u093e\u0938 \u0915\u093e \u0938\u092e\u0930\u094d\u0925\u0928 \u0915\u0930\u0924\u093e \u0939\u0948, \u0914\u0930 \u090f\u0915 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u093e\u0930\u093f\u0938\u094d\u0925\u093f\u0924\u093f\u0915\u0940 \u0924\u0902\u0924\u094d\u0930 \u092e\u0947\u0902 \u092f\u094b\u0917\u0926\u093e\u0928 \u0926\u0947\u0924\u093e \u0939\u0948\u0964.<\/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>\u0915\u094b\u0930 \u0938\u0940\u0906\u0908\u092a\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u090f\u0902 \u0914\u0930 \u0921\u0947\u091f\u093e \u0924\u0924\u094d\u0935<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0935\u093f\u0936\u093f\u0937\u094d\u091f \u0938\u0940\u0906\u0908\u092a\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u090f\u0901 \u0905\u0927\u093f\u0915\u093e\u0930 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u092d\u093f\u0928\u094d\u0928 \u0939\u094b\u0924\u0940 \u0939\u0948\u0902, \u0932\u0947\u0915\u093f\u0928 \u0928\u094d\u092f\u0942\u0928\u0924\u092e \u0921\u0947\u091f\u093e \u0914\u0930 \u0938\u0924\u094d\u092f\u093e\u092a\u0928 \u092e\u093e\u0928\u0915 \u0938\u0902\u092f\u0941\u0915\u094d\u0924 \u0930\u093e\u091c\u094d\u092f \u0905\u092e\u0947\u0930\u093f\u0915\u093e, \u092f\u0942\u0930\u094b\u092a \u0914\u0930 \u0905\u0928\u094d\u092f \u092a\u094d\u0930\u092e\u0941\u0916 \u092c\u093e\u091c\u093e\u0930\u094b\u0902 \u092e\u0947\u0902 \u092e\u094b\u091f\u0947 \u0924\u094c\u0930 \u092a\u0930 \u090f\u0915 \u091c\u0948\u0938\u0947 \u0939\u0948\u0902\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u092a\u094d\u0930\u093e\u0915\u0943\u0924\u093f\u0915 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0936\u094d\u092f\u0915 \u0921\u0947\u091f\u093e:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092a\u0942\u0930\u093e \u0915\u093e\u0928\u0942\u0928\u0940 \u0928\u093e\u092e<\/li>\n\n\n\n<li>\u091c\u0928\u094d\u092e \u0924\u093f\u0925\u093f<\/li>\n\n\n\n<li>\u0928\u093f\u0935\u093e\u0938 \u0915\u093e \u092a\u0924\u093e<\/li>\n\n\n\n<li>\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u092a\u0939\u091a\u093e\u0928 \u0938\u0902\u0916\u094d\u092f\u093e, \u092a\u093e\u0938\u092a\u094b\u0930\u094d\u091f \u0938\u0902\u0916\u094d\u092f\u093e, \u0935\u093f\u0926\u0947\u0936\u0940 \u092a\u0939\u091a\u093e\u0928 \u092a\u0924\u094d\u0930 \u0938\u0902\u0916\u094d\u092f\u093e \u092f\u093e \u0915\u0930\u0926\u093e\u0924\u093e \u092a\u0939\u091a\u093e\u0928 \u0938\u0902\u0916\u094d\u092f\u093e (\u091c\u0948\u0938\u0947 \u0938\u093e\u092e\u093e\u091c\u093f\u0915 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0938\u0902\u0916\u094d\u092f\u093e)<\/li>\n\n\n\n<li>\u0916\u093e\u0924\u093e \u0916\u094b\u0932\u0928\u0947 \u0915\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u0947 \u0926\u094c\u0930\u093e\u0928 \u0915\u093f\u0938\u0940 \u0917\u094d\u0930\u093e\u0939\u0915 \u0915\u0940 \u092a\u0939\u091a\u093e\u0928 \u0938\u0924\u094d\u092f\u093e\u092a\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0921\u094d\u0930\u093e\u0907\u0935\u0930 \u0915\u093e \u0932\u093e\u0907\u0938\u0947\u0902\u0938 \u0938\u0930\u0915\u093e\u0930 \u0926\u094d\u0935\u093e\u0930\u093e \u091c\u093e\u0930\u0940 \u092a\u0939\u091a\u093e\u0928 \u0915\u093e \u090f\u0915 \u0906\u092e \u0924\u094c\u0930 \u092a\u0930 \u0938\u094d\u0935\u0940\u0915\u0943\u0924 \u0930\u0942\u092a \u0939\u0948\u0964.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0915\u093e\u0928\u0942\u0928\u0940 \u0938\u0902\u0938\u094d\u0925\u093e\u0913\u0902 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0936\u094d\u092f\u0915 \u0921\u0947\u091f\u093e:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0915\u093e\u0928\u0942\u0928\u0940 \u0928\u093e\u092e<\/li>\n\n\n\n<li>\u092a\u0902\u091c\u0940\u0915\u0943\u0924 \u092a\u0924\u093e<\/li>\n\n\n\n<li>\u092a\u0902\u091c\u0940\u0915\u0930\u0923 \u092f\u093e \u0928\u093f\u0917\u092e\u0928 \u0938\u0902\u0916\u094d\u092f\u093e<\/li>\n\n\n\n<li>\u0928\u093f\u0917\u092e \u0915\u0947 \u092a\u094d\u0930\u092e\u093e\u0923\u093f\u0924 \u0905\u0902\u0924\u0930\u094d\u0928\u093f\u092f\u092e \u092f\u093e \u0938\u093e\u091d\u0947\u0926\u093e\u0930\u0940 \u0938\u092e\u091d\u094c\u0924\u093e<\/li>\n\n\n\n<li>25 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u092f\u093e \u0909\u0938\u0938\u0947 \u0905\u0927\u093f\u0915 \u0915\u0947 \u092e\u093e\u0932\u093f\u0915 \u092f\u093e \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923 \u0930\u0916\u0928\u0947 \u0935\u093e\u0932\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0932\u093e\u092d\u0915\u093e\u0930\u0940 \u0938\u094d\u0935\u093e\u092e\u093f\u0924\u094d\u0935 \u0935\u093f\u0935\u0930\u0923<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u0915\u094b \u092a\u094d\u0930\u0924\u093f\u092c\u0902\u0927\u094b\u0902, \u092a\u0940\u0908\u092a\u0940 (PEP) \u0914\u0930 \u092a\u094d\u0930\u0924\u093f\u0915\u0942\u0932 \u092e\u0940\u0921\u093f\u092f\u093e \u0938\u0942\u091a\u093f\u092f\u094b\u0902 \u0915\u0947 \u0935\u093f\u0930\u0941\u0926\u094d\u0927 \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u0940 \u091c\u093e\u0901\u091a \u0915\u0930\u0928\u0940 \u091a\u093e\u0939\u093f\u090f\u0964 \u0938\u093e\u092e\u093e\u0928\u094d\u092f \u0938\u094d\u0930\u094b\u0924\u094b\u0902 \u092e\u0947\u0902 OFAC SDN, EU \u0938\u092e\u0947\u0915\u093f\u0924 \u0938\u0942\u091a\u0940, \u092f\u0942\u0915\u0947 \u092a\u094d\u0930\u0924\u093f\u092c\u0902\u0927 \u0914\u0930 \u0938\u0902\u092f\u0941\u0915\u094d\u0924 \u0930\u093e\u0937\u094d\u091f\u094d\u0930 (UN) \u0938\u0942\u091a\u093f\u092f\u093e\u0901 \u0936\u093e\u092e\u093f\u0932 \u0939\u0948\u0902\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0930\u093f\u0915\u0949\u0930\u094d\u0921 \u0930\u0916\u0928\u0947 \u0915\u0947 \u0926\u093e\u092f\u093f\u0924\u094d\u0935\u094b\u0902 \u0915\u0947 \u0924\u0939\u0924 \u0906\u092e \u0924\u094c\u0930 \u092a\u0930 \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u0938\u0947 \u092f\u0939 \u0905\u092a\u0947\u0915\u094d\u0937\u093e \u0915\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948 \u0915\u093f \u0935\u0947 \u0916\u093e\u0924\u093e \u092c\u0902\u0926 \u0939\u094b\u0928\u0947 \u0915\u0947 \u0915\u092e \u0938\u0947 \u0915\u092e \u092a\u093e\u0902\u091a \u0938\u093e\u0932 \u092c\u093e\u0926 \u0924\u0915 \u092a\u0939\u091a\u093e\u0928 \u0938\u0902\u092c\u0902\u0927\u0940 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u094b\u0902, \u0909\u092a\u092f\u094b\u0917 \u0915\u0940 \u0917\u0908 \u0938\u0924\u094d\u092f\u093e\u092a\u0928 \u0935\u093f\u0927\u093f\u092f\u094b\u0902 \u0914\u0930 \u092a\u0930\u093f\u0923\u093e\u092e\u094b\u0902 \u0915\u093e \u0930\u093f\u0915\u0949\u0930\u094d\u0921 \u092c\u0928\u093e\u090f \u0930\u0916\u0947\u0902\u0964 \u0907\u0938 \u0905\u0902\u0924\u093f\u092e \u0928\u093f\u092f\u092e \u0915\u093e \u092a\u093e\u0932\u0928 \u0928 \u0915\u0930\u0928\u0947 \u092a\u0930 \u0917\u0902\u092d\u0940\u0930 \u0926\u0902\u0921 \u0914\u0930 \u092a\u0930\u093f\u091a\u093e\u0932\u0928 \u092a\u094d\u0930\u0924\u093f\u092c\u0902\u0927 \u0932\u0917 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass \u0907\u0928 \u0921\u0947\u091f\u093e \u0924\u0924\u094d\u0935\u094b\u0902 \u0915\u094b \u090f\u0915 \u0938\u0940\u0906\u0930\u090f\u092e \u0914\u0930 \u0915\u0947\u0935\u093e\u0908\u0938\u0940 \u0938\u094d\u091f\u0948\u0915 \u092e\u0947\u0902 \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0943\u0924 \u0915\u0930\u0924\u093e \u0939\u0948, \u091c\u094b \u092a\u0942\u0930\u094d\u0923 \u0921\u0947\u091f\u093e \u0938\u0902\u092a\u094d\u0930\u092d\u0941\u0924\u093e \u0915\u0947 \u0932\u093f\u090f \u0938\u094d\u0935\u093f\u091f\u094d\u091c\u0930\u0932\u0948\u0902\u0921 \u092e\u0947\u0902 \u092f\u093e \u0911\u0928-\u092a\u094d\u0930\u093f\u092e\u093e\u0907\u0938\u0947\u0938 \u0939\u094b\u0938\u094d\u091f \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964.<\/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=\"\u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f\u0917\u094d\u0932\u093e\u0938 \u0938\u0940\u0906\u0930\u090f\u092e\" 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\">\u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f\u0917\u094d\u0932\u093e\u0938 \u0938\u0940\u0906\u0930\u090f\u092e<\/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>\u0938\u0924\u094d\u092f\u093e\u092a\u0928 \u092a\u0926\u094d\u0927\u0924\u093f\u092f\u093e\u0901 \u0914\u0930 \u091c\u094b\u0916\u093f\u092e-\u0906\u0927\u093e\u0930\u093f\u0924 \u0905\u0928\u0941\u092a\u094d\u0930\u092f\u094b\u0917<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0935\u0943\u0924\u094d\u0924\u091a\u093f\u0924\u094d\u0930 \u092a\u0926\u094d\u0927\u0924\u093f\u092f\u093e\u0901<\/strong> \u0936\u093e\u092e\u093f\u0932 \u0915\u0930\u0928\u093e:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092c\u093f\u0928\u093e \u0938\u092e\u093e\u092a\u094d\u0924 \u0939\u0941\u090f \u092a\u093e\u0938\u092a\u094b\u0930\u094d\u091f \u0914\u0930 \u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u092a\u0939\u091a\u093e\u0928 \u092a\u0924\u094d\u0930<\/li>\n\n\n\n<li>\u0921\u094d\u0930\u093e\u0907\u0935\u0930 \u0915\u093e \u0932\u093e\u0907\u0938\u0947\u0902\u0938 \u092f\u093e \u0928\u093f\u0935\u093e\u0938 \u092a\u0930\u092e\u093f\u091f<\/li>\n\n\n\n<li>\u0915\u0949\u0930\u094d\u092a\u094b\u0930\u0947\u091f \u0930\u091c\u093f\u0938\u094d\u091f\u094d\u0930\u0940 \u0909\u0926\u094d\u0927\u0930\u0923 \u0914\u0930 \u0938\u0930\u0915\u093e\u0930\u0940 \u091c\u093e\u0930\u0940 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0935\u094d\u092f\u093e\u0935\u0938\u093e\u092f\u093f\u0915 \u0932\u093e\u0907\u0938\u0947\u0902\u0938<\/li>\n\n\n\n<li>\u092a\u094d\u0930\u092e\u093e\u0923\u093f\u0924 \u0932\u093e\u092d\u0915\u093e\u0930\u0940 \u0938\u094d\u0935\u093e\u092e\u093f\u0924\u094d\u0935 \u0935\u093f\u0935\u0930\u0923<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0917\u0948\u0930-\u0935\u0943\u0924\u094d\u0924\u091a\u093f\u0924\u094d\u0930 \u0935\u093f\u0927\u093f\u092f\u093e\u0901<\/strong> \u0936\u093e\u092e\u093f\u0932 \u0915\u0930\u0928\u093e:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092d\u0930\u094b\u0938\u0947\u092e\u0902\u0926 \u0907\u0932\u0947\u0915\u094d\u091f\u094d\u0930\u0949\u0928\u093f\u0915 \u092a\u0939\u091a\u093e\u0928 \u092a\u094d\u0930\u0926\u093e\u0924\u093e<\/li>\n\n\n\n<li>\u0909\u092a\u092d\u094b\u0915\u094d\u0924\u093e \u0930\u093f\u092a\u094b\u0930\u094d\u091f\u093f\u0902\u0917 \u090f\u091c\u0947\u0902\u0938\u0940 \u0915\u093e \u0921\u0947\u091f\u093e<\/li>\n\n\n\n<li>\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092c\u094d\u092f\u0942\u0930\u094b \u0914\u0930 \u092e\u093e\u0932\u093f\u0915\u093e\u0928\u093e \u0928\u0947\u091f\u0935\u0930\u094d\u0915<\/li>\n\n\n\n<li>\u0906\u0927\u093f\u0915\u093e\u0930\u093f\u0915 \u0921\u0947\u091f\u093e\u092c\u0947\u0938 \u0914\u0930 \u0909\u092a\u092f\u094b\u0917\u093f\u0924\u093e \u0930\u093f\u0915\u0949\u0930\u094d\u0921<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u0938\u0940\u0906\u0908\u092a\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u092b\u0930\u094d\u092e\u094b\u0902 \u0915\u094b \u092c\u0948\u0902\u0915 \u0915\u0947 \u091c\u094b\u0916\u093f\u092e \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928, \u0932\u0947\u0928\u0926\u0947\u0928 \u0915\u0940 \u092e\u093e\u0924\u094d\u0930\u093e, \u0909\u0924\u094d\u092a\u093e\u0926 \u0915\u0940 \u091c\u091f\u093f\u0932\u0924\u093e \u0914\u0930 \u092d\u094c\u0917\u094b\u0932\u093f\u0915 \u091c\u094b\u0916\u093f\u092e \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u0938\u0924\u094d\u092f\u093e\u092a\u0928 \u0915\u0947 \u092a\u094d\u0930\u092f\u093e\u0938 \u0915\u094b \u0915\u0948\u0932\u093f\u092c\u094d\u0930\u0947\u091f \u0915\u0930\u0928\u0947 \u0915\u0940 \u0905\u0928\u0941\u092e\u0924\u093f \u0926\u0947\u0924\u0940 \u0939\u0948\u0964 \u0907\u0938 \u091c\u094b\u0916\u093f\u092e \u0938\u0939\u0928\u0936\u0940\u0932\u0924\u093e \u0922\u093e\u0901\u091a\u0947 \u0915\u093e \u092e\u0924\u0932\u092c \u0939\u0948 \u0915\u093f \u0918\u0930\u0947\u0932\u0942 \u0916\u0941\u0926\u0930\u093e \u0917\u094d\u0930\u093e\u0939\u0915 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0928\u090f \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u0915\u092e \u091c\u093e\u0901\u091a \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948 <a href=\"https:\/\/www.investglass.com\/hi\/%e0%a4%95%e0%a5%89%e0%a4%b0%e0%a5%8d%e0%a4%aa%e0%a5%8b%e0%a4%b0%e0%a5%87%e0%a4%9f-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a4%bf%e0%a4%82%e0%a4%97-%e0%a4%91%e0%a4%a8%e0%a4%ac%e0%a5%8b%e0%a4%b0%e0%a5%8d-2\/\" target=\"_self\">\u0915\u0949\u0930\u092a\u094b\u0930\u0947\u091f \u0911\u0928\u092c\u094b\u0930\u094d\u0921\u093f\u0902\u0917<\/a> \u0909\u091a\u094d\u091a \u091c\u094b\u0916\u093f\u092e \u0935\u093e\u0932\u0947 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u093e\u0927\u093f\u0915\u093e\u0930 \u0938\u0947 \u090f\u0915 \u0907\u0915\u093e\u0908\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass \u0915\u0938\u094d\u091f\u092e \u091c\u094b\u0916\u093f\u092e \u0938\u094d\u0915\u094b\u0930\u093f\u0902\u0917 \u0928\u093f\u092f\u092e\u094b\u0902 \u0915\u093e \u0938\u092e\u0930\u094d\u0925\u0928 \u0915\u0930\u0924\u093e \u0939\u0948 \u091c\u094b \u0938\u0940\u092e\u093e \u092a\u093e\u0930 \u0939\u094b\u0928\u0947 \u092a\u0930 \u0909\u0928\u094d\u0928\u0924 \u091c\u093e\u0901\u091a, \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c \u0905\u0928\u0941\u0930\u094b\u0927 \u092f\u093e \u092e\u0948\u0928\u094d\u092f\u0941\u0905\u0932 \u0938\u092e\u0940\u0915\u094d\u0937\u093e \u0915\u094b \u091f\u094d\u0930\u093f\u0917\u0930 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964.<\/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>\u0938\u0940\u0906\u0908\u092a\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e: \u0911\u0928\u092c\u094b\u0930\u094d\u0921\u093f\u0902\u0917 \u0938\u0947 \u0932\u0947\u0915\u0930 \u0928\u093f\u0930\u0902\u0924\u0930 \u0928\u093f\u0917\u0930\u093e\u0928\u0940 \u0924\u0915<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u092f\u0939 \u0916\u0902\u0921 \u0907\u0938 \u092c\u093e\u0924 \u0915\u093e \u0905\u0935\u0932\u094b\u0915\u0928 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948 \u0915\u093f \u0915\u094b\u0908 \u0917\u094d\u0930\u093e\u0939\u0915 \u0938\u0940\u0906\u0908\u092a\u0940 (CIP) \u0914\u0930 \u0935\u094d\u092f\u093e\u092a\u0915 \u0915\u0947\u0935\u093e\u0908\u0938\u0940 (KYC) \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923\u094b\u0902 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0915\u0947 \u0906\u0935\u0947\u0926\u0928 \u0938\u0947 \u0932\u0947\u0915\u0930 \u0938\u0924\u094d\u092f\u093e\u092a\u0928 \u0914\u0930 \u092b\u093f\u0930 \u0938\u0915\u094d\u0930\u093f\u092f \u0928\u093f\u0917\u0930\u093e\u0928\u0940 \u0924\u0915 \u0915\u0948\u0938\u0947 \u0906\u0917\u0947 \u092c\u0922\u093c\u0924\u093e \u0939\u0948\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u090f\u0915 \u0935\u093f\u0936\u093f\u0937\u094d\u091f <a href=\"https:\/\/www.investglass.com\/hi\/%e0%a4%95%e0%a5%89%e0%a4%b0%e0%a5%8d%e0%a4%aa%e0%a5%8b%e0%a4%b0%e0%a5%87%e0%a4%9f-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a4%bf%e0%a4%82%e0%a4%97-%e0%a4%95%e0%a5%87-%e0%a4%b2%e0%a4%bf%e0%a4%8f\/\" target=\"_self\">\u0921\u093f\u091c\u093f\u091f\u0932 \u0911\u0928\u092c\u094b\u0930\u094d\u0921\u093f\u0902\u0917<\/a> 2026 \u092e\u0947\u0902 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0907\u0928 \u091a\u0930\u0923\u094b\u0902 \u0915\u093e \u092a\u093e\u0932\u0928 \u0915\u0930\u0924\u0940 \u0939\u0948:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u0935\u0947\u092c \u092f\u093e \u092e\u094b\u092c\u093e\u0907\u0932 \u092a\u094b\u0930\u094d\u091f\u0932 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0921\u093f\u091c\u093f\u091f\u0932 \u0906\u0935\u0947\u0926\u0928<\/li>\n\n\n\n<li>\u0921\u0947\u091f\u093e \u0915\u0948\u092a\u094d\u091a\u0930 \u0914\u0930 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c \u0905\u092a\u0932\u094b\u0921 \u092f\u093e eID \u090f\u0915\u0940\u0915\u0930\u0923<\/li>\n\n\n\n<li>\u0938\u094d\u0935\u091a\u093e\u0932\u093f\u0924 <a href=\"https:\/\/www.investglass.com\/hi\/%e0%a4%aa%e0%a4%b9%e0%a4%9a%e0%a4%be%e0%a4%a8-%e0%a4%b8%e0%a4%a4%e0%a5%8d%e0%a4%af%e0%a4%be%e0%a4%aa%e0%a4%a8-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88-%e0%a4%94%e0%a4%b0-%e0%a4%af\/\" target=\"_self\">\u092a\u0939\u091a\u093e\u0928 \u0938\u0924\u094d\u092f\u093e\u092a\u0928<\/a> \u0921\u0947\u091f\u093e\u092c\u0947\u0938 \u0915\u0947 \u0916\u093f\u0932\u093e\u092b<\/li>\n\n\n\n<li>\u0935\u093e\u0938\u094d\u0924\u0935\u093f\u0915 \u0938\u092e\u092f (\u0930\u093f\u092f\u0932-\u091f\u093e\u0907\u092e) \u092a\u094d\u0930\u0924\u093f\u092c\u0902\u0927, \u092a\u0940\u0908\u092a\u0940 (PEP) \u0914\u0930 \u092a\u094d\u0930\u0924\u093f\u0915\u0942\u0932 \u092e\u0940\u0921\u093f\u092f\u093e (\u090f\u0921\u0935\u0930\u094d\u0938 \u092e\u0940\u0921\u093f\u092f\u093e) \u0938\u094d\u0915\u094d\u0930\u0940\u0928\u093f\u0902\u0917<\/li>\n\n\n\n<li>\u0932\u0947\u0928-\u0926\u0947\u0928 \u0915\u0940 \u092e\u093e\u0924\u094d\u0930\u093e, \u092d\u0942\u0917\u094b\u0932 \u0914\u0930 \u0909\u0924\u094d\u092a\u093e\u0926 \u0915\u0940 \u091c\u091f\u093f\u0932\u0924\u093e \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u0917\u0924\u093f\u0936\u0940\u0932 \u091c\u094b\u0916\u093f\u092e \u0938\u094d\u0915\u094b\u0930\u093f\u0902\u0917<\/li>\n\n\n\n<li>\u0938\u094d\u0935\u091a\u093e\u0932\u093f\u0924 \u0905\u0928\u0941\u092e\u094b\u0926\u0928 \u092f\u093e \u0905\u0928\u0941\u092a\u093e\u0932\u0928 \u0905\u0927\u093f\u0915\u093e\u0930\u0940 \u0915\u094b \u0935\u0943\u0926\u094d\u0927\u093f<\/li>\n\n\n\n<li>\u0916\u093e\u0924\u093e \u0938\u0915\u094d\u0930\u093f\u092f\u0923 \u0914\u0930 \u0930\u093f\u0915\u0949\u0930\u094d\u0921-\u0915\u0940\u092a\u093f\u0902\u0917<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u0938\u0940\u0906\u0908\u092a\u0940 \u0905\u0928\u0941\u092a\u093e\u0932\u0928 \u0922\u093e\u0901\u091a\u0947 \u0915\u094b \u0935\u0930\u093f\u0937\u094d\u0920 \u092a\u094d\u0930\u092c\u0902\u0927\u0928 \u0914\u0930 \u092c\u094b\u0930\u094d\u0921 \u0926\u094d\u0935\u093e\u0930\u093e \u0905\u0928\u0941\u092e\u094b\u0926\u093f\u0924 \u090f\u0915 \u0932\u093f\u0916\u093f\u0924 \u0928\u0940\u0924\u093f \u092e\u0947\u0902 \u092a\u094d\u0930\u0932\u0947\u0916\u093f\u0924 \u0915\u093f\u092f\u093e \u091c\u093e\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964 \u0907\u0938 \u0928\u0940\u0924\u093f \u0915\u094b \u0935\u093f\u0928\u093f\u092f\u093e\u092e\u0915 \u092a\u0930\u093f\u0935\u0930\u094d\u0924\u0928\u094b\u0902 \u0914\u0930 \u0935\u093f\u0915\u0938\u093f\u0924 \u0939\u094b\u0924\u0947 \u0935\u094d\u092f\u093e\u0935\u0938\u093e\u092f\u093f\u0915 \u092e\u0949\u0921\u0932\u094b\u0902 \u0915\u094b \u092a\u094d\u0930\u0924\u093f\u092c\u093f\u0902\u092c\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0928\u093f\u092f\u092e\u093f\u0924 \u0905\u092a\u0921\u0947\u091f \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u094b\u0924\u0940 \u0939\u0948\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0930\u093f\u092e\u094b\u091f \u0911\u0928\u092c\u094b\u0930\u094d\u0921\u093f\u0902\u0917 \u091a\u0948\u0928\u0932\u094b\u0902 \u0915\u094b \u092e\u091c\u092c\u0942\u0924 \u0927\u094b\u0916\u093e\u0927\u0921\u093c\u0940 \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u094b\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u092e\u0947\u0902 \u091c\u0940\u0935\u0902\u0924\u0924\u093e \u0915\u093e \u092a\u0924\u093e \u0932\u0917\u093e\u0928\u093e (\u0932\u093e\u0907\u0935\u0928\u0947\u0938 \u0921\u093f\u091f\u0947\u0915\u094d\u0936\u0928), \u0921\u093f\u0935\u093e\u0907\u0938 \u092b\u093c\u093f\u0902\u0917\u0930\u092a\u094d\u0930\u093f\u0902\u091f\u093f\u0902\u0917 \u0914\u0930 \u0935\u0940\u0921\u093f\u092f\u094b \u091c\u094d\u091e\u093e\u0928-\u0906\u0927\u093e\u0930\u093f\u0924 \u092a\u094d\u0930\u092e\u093e\u0923\u0940\u0915\u0930\u0923 \u0936\u093e\u092e\u093f\u0932 \u0939\u0948\u0902\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f\u0917\u094d\u0932\u093e\u0938 \u0921\u093f\u091c\u093f\u091f\u0932 \u0911\u0928\u092c\u094b\u0930\u094d\u0921\u093f\u0902\u0917 \u0915\u0949\u0928\u094d\u092b\u093c\u093f\u0917\u0930 \u0915\u0930\u0928\u0947 \u092f\u094b\u0917\u094d\u092f \u0935\u0930\u094d\u0915\u092b\u093c\u094d\u0932\u094b, \u0921\u093f\u0938\u0940\u091c\u0928 \u091f\u094d\u0930\u0940 \u0914\u0930 \u0911\u0921\u093f\u091f \u0932\u0949\u0917 \u0915\u0947 \u0938\u093e\u0925 \u0907\u0928 \u0938\u092d\u0940 \u091a\u0930\u0923\u094b\u0902 \u0915\u093e \u0938\u092e\u0928\u094d\u0935\u092f \u0915\u0930\u0924\u093e \u0939\u0948 \u091c\u094b \u0928\u093f\u092f\u093e\u092e\u0915 \u0928\u093f\u0930\u0940\u0915\u094d\u0937\u0923 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u0913\u0902 \u0915\u094b \u092a\u0942\u0930\u093e \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964.<\/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>\u092e\u0941\u0916\u094d\u092f \u0938\u0940\u0906\u0908\u092a\u0940 (CIP) \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u091a\u0930\u0923<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>\u091a\u0930\u0923<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u0935\u093f\u0935\u0930\u0923<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0921\u0947\u091f\u093e \u0938\u0902\u0917\u094d\u0930\u0939\u0923<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0921\u093f\u091c\u093f\u091f\u0932 \u092b\u093c\u0949\u0930\u094d\u092e \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u092a\u0942\u0930\u093e \u0915\u093e\u0928\u0942\u0928\u0940 \u0928\u093e\u092e, \u091c\u0928\u094d\u092e \u0924\u093f\u0925\u093f, \u092a\u0924\u093e \u0914\u0930 \u092a\u0939\u091a\u093e\u0928 \u0938\u0902\u0916\u094d\u092f\u093e \u0926\u0930\u094d\u091c \u0915\u0930\u0947\u0902\u0964<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u092a\u0939\u091a\u093e\u0928 \u0938\u0924\u094d\u092f\u093e\u092a\u0928<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c\u0940 \u092f\u093e \u0917\u0948\u0930-\u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c\u0940 \u0924\u0930\u0940\u0915\u094b\u0902 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0915\u0947 \u0917\u094d\u0930\u093e\u0939\u0915 \u0915\u0940 \u092a\u0939\u091a\u093e\u0928 \u0938\u0924\u094d\u092f\u093e\u092a\u093f\u0924 \u0915\u0930\u0947\u0902<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u092a\u094d\u0930\u0924\u093f\u092c\u0902\u0927 \u0914\u0930 PEP \u0938\u094d\u0915\u094d\u0930\u0940\u0928\u093f\u0902\u0917<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u091c\u094d\u091e\u093e\u0924 \u092f\u093e \u0938\u0902\u0926\u093f\u0917\u094d\u0927 \u0906\u0924\u0902\u0915\u0935\u093e\u0926\u093f\u092f\u094b\u0902 \u0915\u0940 \u0938\u0930\u0915\u093e\u0930\u0940 \u0938\u0942\u091a\u093f\u092f\u094b\u0902, OFAC SDN \u0914\u0930 \u0938\u094d\u0925\u093e\u0928\u0940\u092f PEP \u0921\u0947\u091f\u093e\u092c\u0947\u0938 \u0915\u0947 \u0935\u093f\u0930\u0941\u0926\u094d\u0927 \u091c\u093e\u0901\u091a \u0915\u0930\u0947\u0902\u0964<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u091c\u094b\u0916\u093f\u092e \u0906\u0915\u0932\u0928<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0917\u094d\u0930\u093e\u0939\u0915 \u0906\u0927\u093e\u0930, \u092d\u0942\u0917\u094b\u0932 \u0914\u0930 \u0905\u092a\u0947\u0915\u094d\u0937\u093f\u0924 \u0917\u0924\u093f\u0935\u093f\u0927\u093f \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u091c\u094b\u0916\u093f\u092e \u0938\u094d\u0915\u094b\u0930\u093f\u0902\u0917 \u0932\u093e\u0917\u0942 \u0915\u0930\u0947\u0902<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0928\u093f\u0930\u094d\u0923\u092f \u0932\u0947\u0928\u093e<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0906\u0902\u0924\u0930\u093f\u0915 \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923 \u0914\u0930 \u0928\u0940\u0924\u093f \u0915\u0940 \u0938\u0940\u092e\u093e\u0913\u0902 \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u0938\u094d\u0935\u0940\u0915\u0943\u0924 \u0915\u0930\u0947\u0902, \u0906\u0917\u0947 \u092c\u0922\u093c\u093e\u090f\u0902 (\u090f\u0938\u094d\u0915\u0947\u0932\u0947\u091f \u0915\u0930\u0947\u0902) \u092f\u093e \u0905\u0938\u094d\u0935\u0940\u0915\u093e\u0930 \u0915\u0930\u0947\u0902\u0964<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0905\u092d\u093f\u0932\u0947\u0916 \u0930\u0916\u0928\u093e<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0911\u0921\u093f\u091f \u0915\u0947 \u0932\u093f\u090f \u091f\u093e\u0907\u092e\u0938\u094d\u091f\u0948\u092e\u094d\u092a, \u0909\u092a\u092f\u094b\u0917\u0915\u0930\u094d\u0924\u093e \u0915\u094d\u0930\u093f\u092f\u093e\u090f\u0901 \u0914\u0930 \u0938\u0924\u094d\u092f\u093e\u092a\u0928 \u0906\u0909\u091f\u092a\u0941\u091f \u0938\u0939\u093f\u0924 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0930\u093f\u0915\u0949\u0930\u094d\u0921 \u0915\u0930\u0947\u0902<\/p><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u091a\u0930\u0923 \u092e\u0947\u0902 \u090f\u0915 \u0910\u0938\u093e \u0911\u0921\u093f\u091f \u0915\u0930\u0928\u0947 \u092f\u094b\u0917\u094d\u092f \u091f\u094d\u0930\u0947\u0932 \u091b\u0942\u091f\u0928\u093e \u091a\u093e\u0939\u093f\u090f \u091c\u093f\u0938\u0915\u0940 \u0928\u093f\u092f\u093e\u092e\u0915 \u092a\u0930\u0940\u0915\u094d\u0937\u093e\u0913\u0902 \u0915\u0947 \u0926\u094c\u0930\u093e\u0928 \u0938\u092e\u0940\u0915\u094d\u0937\u093e \u0915\u0930 \u0938\u0915\u0947\u0902\u0964 \u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u091a\u0930\u0923 \u092e\u0947\u0902 \u0909\u0920\u093e\u090f \u0917\u090f \u0909\u092a\u093e\u092f\u094b\u0902 \u0915\u093e \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u0940\u0915\u0930\u0923 \u0915\u093f\u092f\u093e \u091c\u093e\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u092b\u0930\u094d\u092e \u0935\u093f\u0936\u093f\u0937\u094d\u091f \u091c\u093e\u0901\u091a \u0915\u0947 \u0932\u093f\u090f \u0924\u0940\u0938\u0930\u0947 \u092a\u0915\u094d\u0937 \u0915\u0947 \u092a\u094d\u0930\u0926\u093e\u0924\u093e\u0913\u0902 \u092a\u0930 \u092d\u0930\u094b\u0938\u093e \u0915\u0930 \u0938\u0915\u0924\u0940 \u0939\u0948\u0902, \u0932\u0947\u0915\u093f\u0928 \u0905\u0928\u0941\u092a\u093e\u0932\u0928 \u0915\u0940 \u0905\u0902\u0924\u093f\u092e \u091c\u093f\u092e\u094d\u092e\u0947\u0926\u093e\u0930\u0940 \u0935\u093f\u0928\u093f\u092f\u092e\u093f\u0924 \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u0915\u0940 \u0939\u0940 \u0930\u0939\u0924\u0940 \u0939\u0948\u0964 \u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f\u0917\u094d\u0932\u093e\u0938 (InvestGlass) \u092c\u093e\u0939\u0930\u0940 \u0915\u0947\u0935\u093e\u0908\u0938\u0940 \u092a\u094d\u0930\u0926\u093e\u0924\u093e\u0913\u0902 \u0915\u0947 \u0938\u093e\u0925 \u090f\u0915\u0940\u0915\u0943\u0924 \u0939\u094b\u0924\u093e \u0939\u0948, \u091c\u092c\u0915\u093f \u092e\u093e\u0938\u094d\u091f\u0930 \u0915\u094d\u0932\u093e\u0907\u0902\u091f \u0930\u093f\u0915\u0949\u0930\u094d\u0921 \u0914\u0930 \u0935\u0930\u094d\u0915\u092b\u093c\u094d\u0932\u094b \u0932\u0949\u091c\u093f\u0915 \u0915\u094b \u090f\u0915 \u0938\u0902\u092a\u094d\u0930\u092d\u0941 \u0938\u094d\u0935\u093f\u0938 \u092f\u093e \u0911\u0928-\u092a\u094d\u0930\u093f\u092e\u093e\u0907\u0938\u0947\u091c \u0935\u093e\u0924\u093e\u0935\u0930\u0923 \u0915\u0947 \u092d\u0940\u0924\u0930 \u0930\u0916\u0924\u093e \u0939\u0948\u0964.<\/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>\u0938\u0940\u0906\u0908\u092a\u0940 (CIP) \u0932\u093e\u0917\u0942 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u0906\u092e \u091a\u0941\u0928\u094c\u0924\u093f\u092f\u093e\u0901<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0938\u0940\u0906\u0908\u092a\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u0947 \u0915\u093e\u0930\u094d\u092f\u093e\u0928\u094d\u0935\u092f\u0928 \u092e\u0947\u0902 \u0938\u093e\u092e\u093e\u0928\u094d\u092f \u0915\u0920\u093f\u0928\u093e\u0907\u092f\u094b\u0902 \u092e\u0947\u0902 \u0936\u093e\u092e\u093f\u0932 \u0939\u0948\u0902:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0932\u0947\u0917\u0947\u0938\u0940 \u0915\u094b\u0930 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 \u0916\u0902\u0921\u093f\u0924 \u0921\u0947\u091f\u093e<\/li>\n\n\n\n<li>\u092c\u0926\u0932\u0924\u0947 \u0928\u093f\u092f\u092e \u091c\u093f\u0928\u0915\u0947 \u0932\u093f\u090f \u092c\u093e\u0930-\u092c\u093e\u0930 \u0928\u0940\u0924\u093f\u0917\u0924 \u0905\u092a\u0921\u0947\u091f \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u094b\u0924\u0940 \u0939\u0948<\/li>\n\n\n\n<li>\u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c \u0938\u092e\u0940\u0915\u094d\u0937\u093e\u0913\u0902 \u092e\u0947\u0902 20 \u0938\u0947 30 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0924\u094d\u0930\u0941\u091f\u093f \u0926\u0930 \u092a\u0948\u0926\u093e \u0915\u0930\u0928\u0947 \u0935\u093e\u0932\u0940 \u0905\u0938\u0902\u0917\u0924 \u092e\u0948\u0928\u0941\u0905\u0932 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e\u090f\u0901<\/li>\n\n\n\n<li>\u0938\u0940\u092e\u093e \u092a\u093e\u0930 \u0928\u093f\u092f\u092e \u0905\u0928\u0941\u092a\u093e\u0932\u0928 \u091c\u091f\u093f\u0932\u0924\u093e \u092a\u0948\u0926\u093e \u0915\u0930 \u0930\u0939\u0947 \u0939\u0948\u0902<\/li>\n\n\n\n<li>\u0916\u0930\u093e\u092c \u0917\u0941\u0923\u0935\u0924\u094d\u0924\u093e \u0935\u093e\u0932\u0947 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c \u0935\u0948\u0936\u094d\u0935\u093f\u0915 \u0911\u0928\u092c\u094b\u0930\u094d\u0921\u093f\u0902\u0917 \u0915\u0947 40 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0939\u093f\u0938\u094d\u0938\u0947 \u0915\u094b \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930 \u0930\u0939\u0947 \u0939\u0948\u0902<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u0930\u093f\u092e\u094b\u091f \u0914\u0930 \u092e\u094b\u092c\u093e\u0907\u0932 \u0911\u0928\u092c\u094b\u0930\u094d\u0921\u093f\u0902\u0917 \u091c\u091f\u093f\u0932\u0924\u093e \u0915\u094b \u092c\u0922\u093c\u093e\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0915\u0947 \u0932\u093f\u090f \u0938\u093f\u0902\u0925\u0947\u091f\u093f\u0915 \u092a\u0939\u091a\u093e\u0928 \u0914\u0930 \u092a\u0939\u091a\u093e\u0928 \u0927\u094b\u0916\u093e\u0927\u0921\u093c\u0940 \u0915\u094b \u0930\u094b\u0915\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092e\u091c\u092c\u0942\u0924 \u0932\u093e\u0907\u0935\u0928\u0947\u0938 \u091c\u093e\u0902\u091a \u0914\u0930 \u091f\u0948\u092e\u094d\u092a\u0930 \u0921\u093f\u091f\u0947\u0915\u094d\u0936\u0928 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u094b\u0924\u0940 \u0939\u0948\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0935\u0948\u0936\u094d\u0935\u093f\u0915 \u092c\u0948\u0902\u0915\u094b\u0902 \u0914\u0930 \u0935\u0947\u0932\u094d\u0925 \u092e\u0948\u0928\u0947\u091c\u0930\u094b\u0902 \u0915\u094b \u092f\u0942\u0930\u094b\u092a, \u092e\u0927\u094d\u092f \u092a\u0942\u0930\u094d\u0935, \u090f\u0936\u093f\u092f\u093e \u0914\u0930 \u0905\u092e\u0947\u0930\u093f\u0915\u093e \u092e\u0947\u0902 \u0938\u094d\u0925\u093e\u0928\u0940\u092f \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u0913\u0902 \u0915\u0947 \u0938\u093e\u0925 \u0938\u092e\u0942\u0939 \u0928\u0940\u0924\u093f\u092f\u094b\u0902 \u0915\u094b \u0938\u0902\u0930\u0947\u0916\u093f\u0924 \u0915\u0930\u0928\u093e \u0939\u094b\u0917\u093e\u0964 \u091c\u0940\u0921\u0940\u092a\u0940\u0906\u0930 (GDPR) \u091c\u0948\u0938\u0947 \u0917\u094b\u092a\u0928\u0940\u092f\u0924\u093e \u0928\u093f\u092f\u092e\u094b\u0902 \u0914\u0930 \u0938\u094d\u0925\u093e\u0928\u0940\u092f \u0921\u0947\u091f\u093e \u0938\u094d\u0925\u093e\u0928\u0940\u092f\u0915\u0930\u0923 \u091c\u0928\u093e\u0926\u0947\u0936\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u092f\u0939 \u091a\u0941\u0928\u094c\u0924\u0940 \u0914\u0930 \u0905\u0927\u093f\u0915 \u091c\u091f\u093f\u0932 \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass \u091c\u0948\u0938\u0947 \u092a\u094d\u0932\u0947\u091f\u092b\u093c\u0949\u0930\u094d\u092e \u092e\u0947\u0902 \u0938\u094d\u0935\u091a\u093e\u0932\u0928 \u0914\u0930 \u092e\u093e\u0928\u0915\u0940\u0915\u0943\u0924 \u0935\u0930\u094d\u0915\u092b\u093c\u094d\u0932\u094b (\u0915\u093e\u0930\u094d\u092f-\u092a\u094d\u0930\u0935\u093e\u0939) \u092a\u0930\u093f\u091a\u093e\u0932\u0928 \u0924\u094d\u0930\u0941\u091f\u093f \u0926\u0930\u094b\u0902 \u0915\u094b \u0915\u092e \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u0928\u093f\u092f\u092e\u094b\u0902 \u0915\u0947 \u092c\u0926\u0932\u0928\u0947 \u092a\u0930 \u0924\u0947\u091c\u0940 \u0938\u0947 \u0905\u092a\u0921\u0947\u091f \u0915\u093e \u0938\u092e\u0930\u094d\u0925\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964.<\/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=\"\u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f\u0917\u094d\u0932\u093e\u0938 \u0938\u0940\u0906\u0930\u090f\u092e\" 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\">\u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f\u0917\u094d\u0932\u093e\u0938 \u0938\u0940\u0906\u0930\u090f\u092e<\/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>\u0906\u0927\u0941\u0928\u093f\u0915 \u0938\u0940\u0906\u0908\u092a\u0940 (CIP) \u092b\u094d\u0930\u0947\u092e\u0935\u0930\u094d\u0915 \u0915\u0947 \u0932\u093f\u090f \u0938\u0930\u094d\u0935\u094b\u0924\u094d\u0924\u092e \u0905\u092d\u094d\u092f\u093e\u0938<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u092e\u0941\u0916\u094d\u092f \u0938\u0930\u094d\u0935\u094b\u0924\u094d\u0924\u092e \u092a\u0926\u094d\u0927\u0924\u093f\u092f\u093e\u0901:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0917\u094d\u0930\u093e\u0939\u0915 \u0906\u0927\u093e\u0930 \u0914\u0930 \u0909\u0924\u094d\u092a\u093e\u0926 \u092a\u094d\u0930\u0938\u094d\u0924\u093e\u0935\u094b\u0902 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u0915\u0948\u0932\u093f\u092c\u094d\u0930\u0947\u091f\u0947\u0921 \u091c\u094b\u0916\u093f\u092e-\u0906\u0927\u093e\u0930\u093f\u0924 \u0926\u0943\u0937\u094d\u091f\u093f\u0915\u094b\u0923 \u0905\u092a\u0928\u093e\u090f\u0902\u0964<\/li>\n\n\n\n<li>\u092c\u094b\u0930\u094d\u0921 \u0926\u094d\u0935\u093e\u0930\u093e \u0905\u0928\u0941\u092e\u094b\u0926\u093f\u0924 \u090f\u0915 \u0935\u093f\u0938\u094d\u0924\u0943\u0924 \u0932\u093f\u0916\u093f\u0924 \u0938\u0940\u0906\u0908\u092a\u0940 \u0928\u0940\u0924\u093f \u092c\u0928\u093e\u090f \u0930\u0916\u0947\u0902<\/li>\n\n\n\n<li>\u0928\u093f\u092f\u092e\u093f\u0924 \u0938\u0924\u094d\u092f\u093e\u092a\u0928 \u0914\u0930 \u0938\u094d\u0915\u094d\u0930\u0940\u0928\u093f\u0902\u0917 \u091c\u093e\u0901\u091a \u0915\u094b \u0938\u094d\u0935\u091a\u093e\u0932\u093f\u0924 \u0915\u0930\u0947\u0902<\/li>\n\n\n\n<li>\u090f\u0915 \u0905\u0928\u0941\u092a\u093e\u0932\u0928 \u0938\u0940\u0906\u0930\u090f\u092e (CRM) \u092e\u0947\u0902 \u0917\u094d\u0930\u093e\u0939\u0915 \u0921\u0947\u091f\u093e \u0915\u094b \u0938\u092e\u0947\u0915\u093f\u0924 \u0915\u0930\u0947\u0902<\/li>\n\n\n\n<li>\u0905\u0928\u0941\u092a\u093e\u0932\u0928 \u0905\u0927\u093f\u0915\u093e\u0930\u0940 \u0914\u0930 \u0935\u0930\u093f\u0937\u094d\u0920 \u092a\u094d\u0930\u092c\u0902\u0927\u0928 \u0938\u0947 \u092e\u091c\u092c\u0942\u0924 \u0936\u093e\u0938\u0928 \u0914\u0930 \u0928\u093f\u0917\u0930\u093e\u0928\u0940 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0947\u0902\u0964<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u092b\u094d\u0930\u0902\u091f-\u0911\u092b\u093c\u093f\u0938, \u0911\u092a\u0930\u0947\u0936\u0902\u0938 \u0914\u0930 \u0905\u0928\u0941\u092a\u093e\u0932\u0928 (\u0915\u0902\u092a\u094d\u0932\u093e\u092f\u0902\u0938) \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0928\u093f\u092f\u092e\u093f\u0924 \u092a\u094d\u0930\u0936\u093f\u0915\u094d\u0937\u0923 \u092f\u0939 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948 \u0915\u093f \u0935\u0947 \u0938\u0902\u0926\u093f\u0917\u094d\u0927 \u0938\u0902\u0915\u0947\u0924\u094b\u0902 (\u0930\u0947\u0921 \u092b\u093c\u094d\u0932\u0948\u0917), \u090f\u0938\u094d\u0915\u0947\u0932\u0947\u0936\u0928 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e\u0913\u0902 \u0914\u0930 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u0940\u0915\u0930\u0923 \u092e\u093e\u0928\u0915\u094b\u0902 \u0915\u094b \u0938\u092e\u091d\u0924\u0947 \u0939\u0948\u0902\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0906\u0935\u0927\u093f\u0915 \u0906\u0902\u0924\u0930\u093f\u0915 \u0911\u0921\u093f\u091f \u0914\u0930 \u0938\u094d\u0935\u0924\u0902\u0924\u094d\u0930 \u0938\u092e\u0940\u0915\u094d\u0937\u093e\u090f\u0902 \u092f\u0939 \u0938\u0924\u094d\u092f\u093e\u092a\u093f\u0924 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902 \u0915\u093f \u0938\u0940\u0906\u0908\u092a\u0940 (CIP) \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923 \u092a\u094d\u0930\u092d\u093e\u0935\u0940 \u0930\u0942\u092a \u0938\u0947 \u0915\u093e\u092e \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 \u0905\u092a\u0935\u093e\u0926\u094b\u0902 \u0915\u094b \u0909\u091a\u093f\u0924 \u0920\u0939\u0930\u093e\u092f\u093e \u091c\u093e\u0928\u093e \u091a\u093e\u0939\u093f\u090f \u0914\u0930 \u0909\u0928\u0915\u093e \u0930\u093f\u0915\u0949\u0930\u094d\u0921 \u0930\u0916\u093e \u091c\u093e\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f\u0917\u094d\u0932\u093e\u0938 \u091c\u0948\u0938\u0947 \u0915\u0949\u0928\u094d\u092b\u093c\u093f\u0917\u0930\u090f\u092c\u0932 \u0930\u0947\u0917\u094d\u091f\u0947\u0915 \u092a\u094d\u0932\u0947\u091f\u092b\u0949\u0930\u094d\u092e \u092b\u0930\u094d\u092e\u094b\u0902 \u0915\u094b \u0915\u0938\u094d\u091f\u092e \u0935\u093f\u0915\u093e\u0938 \u0915\u0947 \u092c\u093f\u0928\u093e \u0938\u094d\u0925\u093e\u0928\u0940\u092f \u0928\u093f\u092f\u093e\u092e\u0915 \u092e\u093e\u0930\u094d\u0917\u0926\u0930\u094d\u0936\u0928 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u0916\u0941\u0926 \u0915\u094b \u0924\u0941\u0930\u0902\u0924 \u0922\u093e\u0932\u0928\u0947 \u0915\u0940 \u0905\u0928\u0941\u092e\u0924\u093f \u0926\u0947\u0924\u0947 \u0939\u0948\u0902, \u091c\u094b \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u0928\u094d\u092f\u093e\u092f\u0915\u094d\u0937\u0947\u0924\u094d\u0930\u094b\u0902 \u092e\u0947\u0902 \u0938\u092e\u093e\u0928 \u0914\u092a\u091a\u093e\u0930\u093f\u0915 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092e\u093e\u0928\u0915\u094b\u0902 \u0915\u093e \u0938\u092e\u0930\u094d\u0925\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964.<\/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 \u092c\u0928\u093e\u092e KYC, CDD \u0914\u0930 EDD<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0938\u0940\u0906\u0908\u092a\u0940 (CIP) \u0935\u094d\u092f\u093e\u092a\u0915 \u0915\u0947\u0935\u093e\u0908\u0938\u0940 (KYC) \u0914\u0930 \u0917\u094d\u0930\u093e\u0939\u0915 \u0909\u091a\u093f\u0924 \u092a\u0930\u093f\u0936\u094d\u0930\u092e (customer due diligence) \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923 \u092a\u0930\u093f\u0935\u093e\u0930 \u0915\u093e \u090f\u0915 \u0939\u093f\u0938\u094d\u0938\u093e \u0939\u0948\u0964 \u092f\u0939 \u0938\u092e\u091d\u0928\u093e \u0915\u093f \u092f\u0947 \u0905\u0935\u0927\u093e\u0930\u0923\u093e\u090f\u0901 \u0915\u0948\u0938\u0947 \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0939\u0948\u0902, \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u0915\u094b \u0935\u094d\u092f\u093e\u092a\u0915 \u0905\u0928\u0941\u092a\u093e\u0932\u0928 \u0930\u0942\u092a\u0930\u0947\u0916\u093e \u0924\u0948\u092f\u093e\u0930 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0924\u093e \u0939\u0948\u0964.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>\u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u0915\u0947\u0902\u0926\u094d\u0930<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u0938\u092e\u092f<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0938\u0940\u0906\u0908\u092a\u0940<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0917\u094d\u0930\u093e\u0939\u0915 \u0915\u0940 \u092a\u0939\u091a\u093e\u0928 \u0938\u0924\u094d\u092f\u093e\u092a\u093f\u0924 \u0915\u0930\u0947\u0902<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0916\u093e\u0924\u093e \u0916\u094b\u0932\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0915\u0947\u0935\u093e\u0908\u0938\u0940<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0917\u094d\u0930\u093e\u0939\u0915 \u0915\u0940 \u0917\u0924\u093f\u0935\u093f\u0927\u093f\u092f\u094b\u0902, \u0927\u0928 \u0915\u0947 \u0938\u094d\u0930\u094b\u0924 \u0914\u0930 \u0905\u092a\u0947\u0915\u094d\u0937\u093f\u0924 \u0935\u094d\u092f\u0935\u0939\u093e\u0930 \u0915\u094b \u0938\u092e\u091d\u0947\u0902<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0911\u0928\u092c\u094b\u0930\u094d\u0921\u093f\u0902\u0917 \u0915\u0947 \u0938\u092e\u092f \u0914\u0930 \u0932\u0917\u093e\u0924\u093e\u0930<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0938\u0940\u0921\u0940\u0921\u0940<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092e\u093e\u0928\u0915 \u0909\u091a\u093f\u0924 \u092a\u0930\u093f\u0936\u094d\u0930\u092e \u091c\u093e\u0901\u091a<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u092a\u0942\u0930\u0947 \u0930\u093f\u0936\u094d\u0924\u0947 \u0915\u0947 \u0926\u094c\u0930\u093e\u0928<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0908\u0921\u0940\u0921\u0940<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0909\u091a\u094d\u091a \u091c\u094b\u0916\u093f\u092e \u0935\u093e\u0932\u0947 \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 (\u092a\u0940\u0908\u092a\u0940, \u0909\u091a\u094d\u091a \u091c\u094b\u0916\u093f\u092e \u0935\u093e\u0932\u0947 \u0926\u0947\u0936) \u0915\u0947 \u0932\u093f\u090f \u0909\u0928\u094d\u0928\u0924 \u091c\u093e\u0901\u091a<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u091c\u094b\u0916\u093f\u092e-\u092a\u094d\u0930\u0947\u0930\u093f\u0924<\/p><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u0938\u0940\u0906\u0908\u092a\u0940 (CIP) \u0935\u094d\u092f\u093e\u0935\u0938\u093e\u092f\u093f\u0915 \u0938\u0902\u092c\u0902\u0927 \u0915\u0940 \u0936\u0941\u0930\u0941\u0906\u0924 \u092e\u0947\u0902 \u092a\u0939\u091a\u093e\u0928 \u092a\u0930 \u0927\u094d\u092f\u093e\u0928 \u0915\u0947\u0902\u0926\u094d\u0930\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u0938\u0940\u0921\u0940\u0938\u0940 (CDD) \u0914\u0930 \u0908\u0921\u0940\u0921\u0940 (EDD) \u0928\u093f\u0930\u0902\u0924\u0930 \u0928\u093f\u0917\u0930\u093e\u0928\u0940 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0938\u0902\u092c\u0902\u0927 \u0915\u0940 \u092a\u094d\u0930\u0915\u0943\u0924\u093f \u0914\u0930 \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u0924\u0925\u093e \u091a\u0932 \u0930\u0939\u0940 \u0917\u0924\u093f\u0935\u093f\u0927\u093f \u0915\u0947 \u092a\u0948\u091f\u0930\u094d\u0928 \u0915\u0940 \u091c\u093e\u0902\u091a \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass \u092b\u0930\u094d\u092e\u094b\u0902 \u0915\u094b \u090f\u0915 \u0939\u0940 \u0938\u094d\u0925\u093e\u0928 \u092a\u0930 \u0938\u0940\u0906\u0908\u092a\u0940 (CIP), \u0938\u0940\u0921\u0940\u091c\u0940 (CDD) \u0914\u0930 \u0908\u0921\u0940\u0921\u0940\u0921\u0940 (EDD) \u0915\u093e \u0938\u092e\u0917\u094d\u0930 \u0930\u0942\u092a \u0938\u0947 \u092a\u094d\u0930\u092c\u0902\u0927\u0928 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u0938\u0915\u094d\u0937\u092e \u092c\u0928\u093e\u0924\u093e \u0939\u0948 <a href=\"https:\/\/www.investglass.com\/ru\/how-crm-helps-with-regulatory-compliance\/\" target=\"_self\">\u0938\u0940\u0906\u0930\u090f\u092e \u0914\u0930 \u0905\u0928\u0941\u092a\u093e\u0932\u0928<\/a> \u0915\u093e\u0930\u094d\u092f\u092a\u094d\u0930\u0935\u093e\u0939, \u0916\u0902\u0921\u093f\u0924 \u092a\u094d\u0930\u0923\u093e\u0932\u093f\u092f\u094b\u0902 \u0914\u0930 \u0921\u0947\u091f\u093e \u0938\u093e\u0907\u0932\u094b \u0938\u0947 \u092c\u091a\u0928\u093e\u0964.<\/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>\u0938\u0940\u0906\u0908\u092a\u0940 (CIP) \u0914\u0930 \u0915\u0947\u0935\u093e\u0908\u0938\u0940 (KYC) \u092e\u0947\u0902 \u0905\u0902\u0924\u0930 \u0938\u094d\u092a\u0937\u094d\u091f \u0915\u0930\u0928\u0947 \u0935\u093e\u0932\u0947 \u0935\u094d\u092f\u093e\u0935\u0939\u093e\u0930\u093f\u0915 \u0909\u0926\u093e\u0939\u0930\u0923<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0935\u0947\u0932\u094d\u0925 \u092e\u0948\u0928\u0947\u091c\u092e\u0947\u0902\u091f \u0915\u094d\u0932\u093e\u0907\u0902\u091f:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>CIP: \u092a\u093e\u0938\u092a\u094b\u0930\u094d\u091f, \u092a\u0924\u0947 \u0915\u093e \u092a\u094d\u0930\u092e\u093e\u0923 \u0914\u0930 \u0915\u0930\u0926\u093e\u0924\u093e \u092a\u0939\u091a\u093e\u0928 \u0938\u0902\u0916\u094d\u092f\u093e \u090f\u0915\u0924\u094d\u0930 \u0915\u0930\u0947\u0902 <a href=\"https:\/\/www.investglass.com\/hi\/%e0%a4%85%e0%a4%aa%e0%a4%a8%e0%a4%be-%e0%a4%96%e0%a5%81%e0%a4%a6-%e0%a4%95%e0%a4%be-%e0%a4%a8%e0%a4%bf%e0%a4%9c%e0%a5%80-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95-%e0%a4%95%e0%a5%88%e0%a4%b8%e0%a5%87\/\" target=\"_self\">\u090f\u0915 \u092a\u094d\u0930\u093e\u0907\u0935\u0947\u091f \u092c\u0948\u0902\u0915 \u0916\u093e\u0924\u093e \u0916\u094b\u0932\u0947\u0902<\/a><\/li>\n\n\n\n<li>\u0915\u0947\u0935\u093e\u0908\u0938\u0940 (KYC): \u0928\u093f\u0935\u0947\u0936 \u0915\u0947 \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f\u094b\u0902, \u091c\u094b\u0916\u093f\u092e \u0938\u0939\u0928\u0947 \u0915\u0940 \u0915\u094d\u0937\u092e\u0924\u093e \u0914\u0930 \u0905\u092a\u0947\u0915\u094d\u0937\u093f\u0924 \u0928\u0915\u0926\u0940 \u092a\u094d\u0930\u0935\u093e\u0939 (\u0915\u0948\u0936 \u092b\u094d\u0932\u094b) \u0915\u093e \u0906\u0915\u0932\u0928 \u0915\u0930\u0947\u0902\u0964<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0915\u0949\u0930\u094d\u092a\u094b\u0930\u0947\u091f \u0917\u094d\u0930\u093e\u0939\u0915:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0938\u0940\u0906\u0908\u092a\u0940: \u092a\u0902\u091c\u0940\u0915\u0930\u0923 \u0921\u0947\u091f\u093e, \u0938\u0930\u0915\u093e\u0930 \u0926\u094d\u0935\u093e\u0930\u093e \u091c\u093e\u0930\u0940 \u0935\u094d\u092f\u093e\u0935\u0938\u093e\u092f\u093f\u0915 \u0932\u093e\u0907\u0938\u0947\u0902\u0938 \u0914\u0930 \u0932\u093e\u092d\u0915\u093e\u0930\u0940 \u0938\u094d\u0935\u093e\u092e\u093f\u092f\u094b\u0902 \u0915\u0940 \u092a\u0941\u0937\u094d\u091f\u093f \u0915\u0930\u0947\u0902<\/li>\n\n\n\n<li>\u0915\u0947\u0935\u093e\u0908\u0938\u0940 (KYC): \u0935\u094d\u092f\u093e\u0935\u0938\u093e\u092f\u093f\u0915 \u092e\u0949\u0921\u0932, \u092d\u094c\u0917\u094b\u0932\u093f\u0915 \u090f\u0915\u094d\u0938\u092a\u094b\u091c\u093c\u0930 \u0914\u0930 \u0905\u0928\u094d\u092f \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0932\u0947\u0928\u0926\u0947\u0928 \u0915\u0947 \u092a\u0948\u091f\u0930\u094d\u0928 \u0915\u093e \u0935\u093f\u0936\u094d\u0932\u0947\u0937\u0923 \u0915\u0930\u0947\u0902<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b \u090f\u0915\u094d\u0938\u091a\u0947\u0902\u091c \u0915\u0947 \u0932\u093f\u090f, \u0938\u0940\u0906\u0908\u092a\u0940 (CIP) \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u0921\u0947\u091f\u093e \u0915\u0940 \u092a\u0941\u0937\u094d\u091f\u093f \u0915\u0930\u0924\u093e \u0939\u0948 \u0914\u0930 \u0913\u090f\u092b\u090f\u0938\u0940 (OFAC) \u0915\u0947 \u0916\u093f\u0932\u093e\u092b \u0935\u0949\u0932\u0947\u091f \u092a\u0924\u094b\u0902 \u0915\u0940 \u091c\u093e\u0901\u091a \u0915\u0930\u0924\u093e \u0939\u0948, \u091c\u092c\u0915\u093f \u0915\u0947\u0935\u093e\u0908\u0938\u0940 (KYC) \u0905\u092a\u0947\u0915\u094d\u0937\u093f\u0924 \u0932\u0947\u0928\u0926\u0947\u0928 \u092e\u093e\u0924\u094d\u0930\u093e \u0914\u0930 \u0927\u0928 \u0915\u0947 \u0938\u094d\u0930\u094b\u0924 \u0915\u0940 \u091c\u093e\u0902\u091a \u0915\u0930\u0924\u093e \u0939\u0948\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0907\u0c28\u0c4d\u0935\u0947\u0938\u094d\u091f\u0917\u094d\u0932\u093e\u0938 \u0921\u093f\u091c\u093f\u091f\u0932 \u092b\u0949\u0930\u094d\u092e \u0914\u0930 \u0917\u0924\u093f\u0936\u0940\u0932 \u092a\u094d\u0930\u0936\u094d\u0928\u093e\u0935\u0932\u0940 \u0915\u094d\u0932\u093e\u0907\u0902\u091f \u0915\u0947 \u092a\u094d\u0930\u0915\u093e\u0930, \u0905\u0927\u093f\u0915\u093e\u0930 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0914\u0930 \u091c\u094b\u0916\u093f\u092e \u0938\u094d\u0924\u0930 \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u0905\u0932\u0917-\u0905\u0932\u0917 \u092a\u094d\u0930\u0936\u094d\u0928 \u092a\u094d\u0930\u0938\u094d\u0924\u0941\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u091c\u094b \u0938\u0940\u0906\u0908\u092a\u0940 \u0914\u0930 \u0935\u094d\u092f\u093e\u092a\u0915 \u0915\u0947\u0935\u093e\u0908\u0938\u0940 \u0926\u094b\u0928\u094b\u0902 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e\u0913\u0902 \u0915\u094b \u0938\u0941\u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964.<\/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>\u0915\u0938\u094d\u091f\u092e\u0930 \u0906\u0907\u0921\u0947\u0902\u091f\u093f\u092b\u093f\u0915\u0947\u0936\u0928 \u092a\u094d\u0930\u094b\u0917\u094d\u0930\u093e\u092e (CIP) \u0915\u093f\u0938\u0947 \u0932\u093e\u0917\u0942 \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u093f\u090f?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u092e\u0928\u0940 \u0932\u0949\u0928\u094d\u0921\u094d\u0930\u093f\u0902\u0917 \u092f\u093e \u0906\u0924\u0902\u0915\u0935\u093e\u0926\u0940 \u0935\u093f\u0924\u094d\u0924\u092a\u094b\u0937\u0923 \u0915\u0947 \u0932\u093f\u090f \u0909\u092a\u092f\u094b\u0917 \u0915\u093f\u090f \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0947 \u091c\u094b\u0916\u093f\u092e \u092e\u0947\u0902 \u0915\u093f\u0938\u0940 \u092d\u0940 \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u0938\u0947 \u0906\u092e \u0924\u094c\u0930 \u092a\u0930 \u0917\u094d\u0930\u093e\u0939\u0915 \u092a\u0939\u091a\u093e\u0928 \u0915\u093e\u0930\u094d\u092f\u0915\u094d\u0930\u092e \u0938\u0902\u091a\u093e\u0932\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0905\u092a\u0947\u0915\u094d\u0937\u093e \u0915\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0915\u0935\u0930 \u0915\u0940 \u0917\u0908 \u0938\u0902\u0938\u094d\u0925\u093e\u0913\u0902 \u092e\u0947\u0902 \u0936\u093e\u092e\u093f\u0932 \u0939\u0948\u0902:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0916\u0941\u0926\u0930\u093e \u0914\u0930 \u0928\u093f\u091c\u0940 \u092c\u0948\u0902\u0915<\/li>\n\n\n\n<li>\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092f\u0942\u0928\u093f\u092f\u0928 \u0914\u0930 \u092c\u091a\u0924 \u0938\u0902\u0918<\/li>\n\n\n\n<li>\u092a\u094d\u0930\u0924\u093f\u092d\u0942\u0924\u093f \u0926\u0932\u093e\u0932 \u0914\u0930 \u0921\u0940\u0932\u0930<\/li>\n\n\n\n<li>\u090f\u0938\u0947\u091f \u0914\u0930 \u0935\u0947\u0932\u094d\u0925 \u092e\u0948\u0928\u0947\u091c\u0930<\/li>\n\n\n\n<li>\u092e\u094d\u092f\u0942\u091a\u0941\u0905\u0932 \u092b\u0902\u0921 \u0914\u0930 \u0928\u093f\u0935\u0947\u0936 \u0915\u0902\u092a\u0928\u093f\u092f\u093e\u0901<\/li>\n\n\n\n<li>\u092c\u0940\u092e\u093e \u0915\u0902\u092a\u0928\u0940<\/li>\n\n\n\n<li>\u092d\u0941\u0917\u0924\u093e\u0928 <a href=\"https:\/\/www.investglass.com\/hi\/%e0%a4%88%e0%a4%8f%e0%a4%ae%e0%a4%86%e0%a4%88-%e0%a4%87%e0%a4%b2%e0%a5%87%e0%a4%95%e0%a5%8d%e0%a4%9f%e0%a5%8d%e0%a4%b0%e0%a5%89%e0%a4%a8%e0%a4%bf%e0%a4%95-%e0%a4%ae%e0%a4%a8%e0%a5%80-%e0%a4%87\/\" target=\"_self\">\u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u0914\u0930 \u0907\u0932\u0947\u0915\u094d\u091f\u094d\u0930\u0949\u0928\u093f\u0915 \u092a\u0948\u0938\u093e<\/a> \u091c\u093e\u0930\u0940\u0915\u0930\u094d\u0924\u093e<\/li>\n\n\n\n<li>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b-\u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0938\u0947\u0935\u093e \u092a\u094d\u0930\u0926\u093e\u0924\u093e<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u0938\u0902\u092f\u0941\u0915\u094d\u0924 \u0930\u093e\u091c\u094d\u092f \u0905\u092e\u0947\u0930\u093f\u0915\u093e \u092e\u0947\u0902, \u0938\u0902\u0918\u0940\u092f \u0915\u093e\u0930\u094d\u092f\u093e\u0924\u094d\u092e\u0915 \u0928\u093f\u092f\u093e\u092e\u0915, \u092b\u093f\u0928\u0938\u0947\u0928 (FinCEN), \u092b\u0947\u0921\u0930\u0932 \u0930\u093f\u091c\u0930\u094d\u0935, \u090f\u092b\u0921\u0940\u0906\u0908\u0938\u0940 (FDIC), \u0913\u0938\u0940\u0938\u0940 (OCC) \u0914\u0930 \u090f\u0928\u0938\u0940\u092f\u0942\u090f (NCUA) \u0938\u0940\u0906\u0908\u092a\u0940 (CIP) \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u0913\u0902 \u0915\u094b \u0932\u093e\u0917\u0942 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 \u092f\u0942\u0930\u094b\u092a \u092e\u0947\u0902, \u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0916\u0941\u092b\u093f\u092f\u093e \u0907\u0915\u093e\u0907\u092f\u094b\u0902 \u0914\u0930 \u092a\u0930\u094d\u092f\u0935\u0947\u0915\u094d\u0937\u0940 \u092a\u094d\u0930\u093e\u0927\u093f\u0915\u0930\u0923\u094b\u0902 \u0915\u0940 \u0910\u0938\u0940 \u0939\u0940 \u091c\u093f\u092e\u094d\u092e\u0947\u0926\u093e\u0930\u093f\u092f\u093e\u0902 \u0939\u0948\u0902\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0917\u0948\u0930-\u092c\u0948\u0902\u0915 \u0938\u0902\u0938\u094d\u0925\u093e\u090f\u0902 \u091c\u0948\u0938\u0947 \u092e\u0928\u0940 \u0938\u0930\u094d\u0935\u093f\u0938\u0947\u091c \u092c\u093f\u091c\u0928\u0947\u0938, \u092b\u0949\u0930\u0947\u0915\u094d\u0938 \u092c\u094d\u0930\u094b\u0915\u0930, \u0915\u094d\u0930\u093e\u0909\u0921\u092b\u0902\u0921\u093f\u0902\u0917 \u092a\u094d\u0932\u0947\u091f\u092b\u0949\u0930\u094d\u092e \u0914\u0930 \u0915\u0941\u091b \u0930\u093f\u092f\u0932 \u090f\u0938\u094d\u091f\u0947\u091f \u092e\u0927\u094d\u092f\u0938\u094d\u0925\u094b\u0902 \u0915\u094b \u092d\u0940 \u0938\u094d\u0925\u093e\u0928\u0940\u092f \u090f\u090f\u092e\u090f\u0932 (AML) \u0915\u093e\u0928\u0942\u0928\u094b\u0902 \u0915\u0947 \u0924\u0939\u0924 \u0938\u0940\u0906\u0908\u092a\u0940 (CIP) \u091c\u0948\u0938\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e\u0913\u0902 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f\u0917\u094d\u0932\u093e\u0938 (InvestGlass) \u092e\u0941\u0916\u094d\u092f \u0930\u0942\u092a \u0938\u0947 \u092c\u0948\u0902\u0915\u093f\u0902\u0917, \u0935\u0947\u0932\u094d\u0925 \u0914\u0930 \u092c\u0940\u092e\u093e \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0947 \u0909\u0928 \u0935\u093f\u0928\u093f\u092f\u092e\u093f\u0924 \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0921\u093f\u091c\u093c\u093e\u0907\u0928 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948 \u091c\u093f\u0928\u094d\u0939\u0947\u0902 \u0921\u0947\u091f\u093e \u0938\u0902\u092a\u094d\u0930\u092d\u0941\u0924\u093e (\u0921\u0947\u091f\u093e \u0938\u0949\u0935\u0930\u0947\u0902ty) \u0915\u094b \u092c\u0928\u093e\u090f \u0930\u0916\u0924\u0947 \u0939\u0941\u090f \u092e\u091c\u092c\u0942\u0924 \u0938\u0940\u0906\u0908\u092a\u0940 (CIP) \u0914\u0930 \u0915\u0947\u0935\u093e\u0908\u0938\u0940 (KYC) \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923\u094b\u0902 \u0915\u093e \u092a\u094d\u0930\u092e\u093e\u0923 \u0926\u0947\u0928\u093e \u0906\u0935\u0936\u094d\u092f\u0915 \u0939\u0948\u0964.<\/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>\u0935\u0948\u0936\u094d\u0935\u093f\u0915 \u0914\u0930 \u0938\u0940\u092e\u093e-\u092a\u093e\u0930 \u0935\u093f\u091a\u093e\u0930<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u092c\u0939\u0941\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u0915\u094b \u092a\u0939\u091a\u093e\u0928, \u0917\u094b\u092a\u0928\u0940\u092f\u0924\u093e \u0914\u0930 \u0921\u0947\u091f\u093e \u0938\u094d\u0925\u093e\u0928\u0940\u092f\u0915\u0930\u0923 \u092a\u0930 \u0938\u094d\u0925\u093e\u0928\u0940\u092f \u0915\u093e\u0928\u0942\u0928\u094b\u0902 \u0915\u093e \u0938\u092e\u094d\u092e\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0941\u090f \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u0936\u093e\u0916\u093e\u0913\u0902 \u092e\u0947\u0902 \u0938\u0940\u0906\u0908\u092a\u0940 (CIPs) \u0915\u094b \u0938\u0902\u0930\u0947\u0916\u093f\u0924 \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964 \u0905\u092e\u0947\u0930\u093f\u0915\u093e, \u092f\u0942\u0930\u094b\u092a \u0914\u0930 \u090f\u0936\u093f\u092f\u093e \u092e\u0947\u0902 \u0915\u093e\u092e \u0915\u0930\u0928\u0947 \u0935\u093e\u0932\u0940 \u092b\u0930\u094d\u092e\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092f\u0939 \u0935\u093f\u0936\u0947\u0937 \u0930\u0942\u092a \u0938\u0947 \u091a\u0941\u0928\u094c\u0924\u0940\u092a\u0942\u0930\u094d\u0923 \u0939\u0948\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0927\u094d\u092f\u093e\u0928 \u0926\u0947\u0928\u0947 \u092f\u094b\u0917\u094d\u092f \u092c\u093f\u0902\u0926\u0941\u0913\u0902 \u092e\u0947\u0902 \u0936\u093e\u092e\u093f\u0932 \u0939\u0948\u0902:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0905\u0928\u093f\u0935\u093e\u0938\u0940 \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u094b \u0936\u093e\u092e\u093f\u0932 \u0915\u0930\u0928\u093e \u0914\u0930 \u0938\u0940\u092e\u093e \u092a\u093e\u0930 \u0927\u0928 \u092a\u094d\u0930\u092c\u0902\u0927\u0928 \u0938\u0902\u092c\u0902\u0927<\/li>\n\n\n\n<li>\u0915\u0908 \u0928\u094d\u092f\u093e\u092f\u0915\u094d\u0937\u0947\u0924\u094d\u0930\u094b\u0902 \u092e\u0947\u0902 \u092b\u0948\u0932\u0947 \u0939\u0941\u090f \u0915\u0947\u0935\u0932-\u0921\u093f\u091c\u093f\u091f\u0932 \u0916\u093e\u0924\u0947<\/li>\n\n\n\n<li>EU AML \u092a\u0948\u0915\u0947\u091c \u091c\u0948\u0938\u0947 \u0909\u092d\u0930\u0924\u0947 2024-2026 \u0915\u0947 \u0928\u093f\u092f\u092e\u094b\u0902 \u0915\u093e \u0905\u0928\u0941\u092a\u093e\u0932\u0928 \u0914\u0930 \u0935\u0930\u094d\u091a\u0941\u0905\u0932 \u090f\u0938\u0947\u091f \u0938\u0930\u094d\u0935\u093f\u0938 \u092a\u094d\u0930\u094b\u0935\u093e\u0907\u0921\u0930\u094d\u0938 \u0915\u0940 \u092c\u0922\u093c\u0924\u0940 \u091c\u093e\u0902\u091a<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f\u0917\u094d\u0932\u093e\u0938 (InvestGlass) \u0915\u0947 \u0938\u093e\u0925 \u0938\u094d\u0935\u093f\u091f\u094d\u091c\u0930\u0932\u0948\u0902\u0921 \u092f\u093e \u0911\u0928-\u092a\u094d\u0930\u093f\u092e\u093e\u0907\u0938\u0947\u0938 \u092e\u0947\u0902 \u0915\u094d\u0932\u093e\u0907\u0902\u091f \u0921\u0947\u091f\u093e \u0939\u094b\u0938\u094d\u091f \u0915\u0930\u0928\u0947 \u0938\u0947 \u0905\u092e\u0947\u0930\u093f\u0915\u0940 \u092f\u093e \u091a\u0940\u0928\u0940 \u0915\u094d\u0932\u093e\u0909\u0921 \u0907\u0915\u094b\u0938\u093f\u0938\u094d\u091f\u092e \u092e\u0947\u0902 \u0921\u0947\u091f\u093e \u091f\u094d\u0930\u093e\u0902\u0938\u092b\u0930 \u0938\u0947 \u092c\u091a\u0915\u0930 \u0915\u094d\u0930\u0949\u0938-\u092c\u0949\u0930\u094d\u0921\u0930 \u091c\u094b\u0916\u093f\u092e \u092a\u094d\u0930\u092c\u0902\u0927\u0928 \u0938\u0930\u0932 \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u092f\u0939 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0905\u092a\u0930\u093e\u0927 \u0915\u0947 \u0916\u093f\u0932\u093e\u092b \u0938\u0930\u0915\u093e\u0930\u0940 \u0932\u0921\u093c\u093e\u0908 \u0915\u094b \u092a\u0942\u0930\u093e \u0915\u0930\u0924\u0947 \u0939\u0941\u090f \u0915\u094d\u0932\u093e\u0907\u0902\u091f \u0921\u0947\u091f\u093e \u0915\u0940 \u0938\u0902\u092a\u094d\u0930\u092d\u0941\u0924\u093e \u0915\u0940 \u0930\u0915\u094d\u0937\u093e \u0915\u0930\u0924\u093e \u0939\u0948\u0964.<\/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>\u091c\u094b\u0916\u093f\u092e \u0938\u0939\u0928\u0936\u0940\u0932\u0924\u093e \u0914\u0930 \u0938\u0940\u0906\u0908\u092a\u0940<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u091c\u094b\u0916\u093f\u092e \u0938\u0939\u0928\u0936\u0940\u0932\u0924\u093e (\u0930\u093f\u0938\u094d\u0915 \u091f\u0949\u0932\u0930\u0947\u0902\u0938) \u0917\u094d\u0930\u093e\u0939\u0915 \u092a\u0939\u091a\u093e\u0928 \u0915\u093e\u0930\u094d\u092f\u0915\u094d\u0930\u092e (\u0938\u0940\u0906\u0908\u092a\u0940) \u0915\u0947 \u0921\u093f\u091c\u093e\u0907\u0928 \u0914\u0930 \u0928\u093f\u0937\u094d\u092a\u093e\u0926\u0928 \u092e\u0947\u0902 \u090f\u0915 \u092e\u094c\u0932\u093f\u0915 \u0935\u093f\u091a\u093e\u0930 \u0939\u0948\u0964 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u0915\u094b \u0905\u092a\u0928\u0940 \u091c\u094b\u0916\u093f\u092e \u0938\u0939\u0928\u0936\u0915\u094d\u0924\u093f \u0915\u093e \u0938\u093e\u0935\u0927\u093e\u0928\u0940\u092a\u0942\u0930\u094d\u0935\u0915 \u0906\u0915\u0932\u0928 \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u093f\u090f \u0914\u0930 \u0905\u092a\u0928\u0947 \u0917\u094d\u0930\u093e\u0939\u0915 \u0906\u0927\u093e\u0930 \u0924\u0925\u093e \u092c\u093f\u091c\u0928\u0947\u0938 \u092e\u0949\u0921\u0932 \u0926\u094d\u0935\u093e\u0930\u093e \u092a\u094d\u0930\u0938\u094d\u0924\u0941\u0924 \u0935\u093f\u0936\u093f\u0937\u094d\u091f \u091c\u094b\u0916\u093f\u092e\u094b\u0902 \u0915\u094b \u0926\u0942\u0930 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0905\u092a\u0928\u0947 \u092a\u0939\u091a\u093e\u0928 \u0915\u093e\u0930\u094d\u092f\u0915\u094d\u0930\u092e \u0915\u094b \u0938\u092e\u093e\u092f\u094b\u091c\u093f\u0924 \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964 \u092c\u0948\u0902\u0915 \u0938\u0940\u0915\u094d\u0930\u0947\u0938\u0940 \u090f\u0915\u094d\u091f \u0914\u0930 \u092f\u0942\u090f\u0938 \u092a\u0948\u091f\u094d\u0930\u093f\u092f\u091f \u090f\u0915\u094d\u091f \u0915\u0947 \u0924\u0939\u0924, \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u0915\u094b \u090f\u0915 \u0910\u0938\u093e \u0938\u0940\u0906\u0908\u092a\u0940 \u0932\u093e\u0917\u0942 \u0915\u0930\u0928\u093e \u0906\u0935\u0936\u094d\u092f\u0915 \u0939\u0948 \u091c\u094b \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u0940 \u092a\u0939\u091a\u093e\u0928 \u0938\u0924\u094d\u092f\u093e\u092a\u093f\u0924 \u0915\u0930\u0928\u0947 \u0914\u0930 \u0938\u0924\u094d\u092f\u093e\u092a\u0928 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u092e\u0947\u0902 \u092a\u094d\u0930\u092f\u0941\u0915\u094d\u0924 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0915\u093e \u0930\u093f\u0915\u0949\u0930\u094d\u0921 \u0930\u0916\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0909\u091a\u093f\u0924 \u0930\u0942\u092a \u0938\u0947 \u0921\u093f\u095b\u093e\u0907\u0928 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u094b\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0907\u0938 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0915\u093e \u090f\u0915 \u092e\u0941\u0916\u094d\u092f \u092a\u0939\u0932\u0942 \u091c\u094b\u0916\u093f\u092e-\u0906\u0927\u093e\u0930\u093f\u0924 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e\u0913\u0902 \u0915\u094b \u0905\u092a\u0928\u093e\u0928\u093e \u0939\u0948\u0964 \u0909\u091a\u094d\u091a \u091c\u094b\u0916\u093f\u092e \u0938\u0939\u0928\u0936\u0940\u0932\u0924\u093e \u0935\u093e\u0932\u0947 \u0938\u0902\u0938\u094d\u0925\u093e\u0928, \u092f\u093e \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0905\u092a\u0930\u093e\u0927\u094b\u0902 \u0915\u0947 \u092a\u094d\u0930\u0924\u093f \u0905\u0927\u093f\u0915 \u0938\u0902\u0935\u0947\u0926\u0928\u0936\u0940\u0932 \u0917\u094d\u0930\u093e\u0939\u0915 \u0916\u0902\u0921\u094b\u0902 \u0915\u094b \u0938\u0947\u0935\u093e \u0926\u0947\u0928\u0947 \u0935\u093e\u0932\u0947 \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u0915\u094b \u092f\u0939 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u093f \u0935\u0947 \u091c\u094d\u091e\u093e\u0924 \u092f\u093e \u0938\u0902\u0926\u093f\u0917\u094d\u0927 \u0906\u0924\u0902\u0915\u0935\u093e\u0926\u093f\u092f\u094b\u0902 \u0915\u0947 \u0938\u093e\u0925 \u0932\u0947\u0928-\u0926\u0947\u0928 \u0928\u0939\u0940\u0902 \u0915\u0930 \u0930\u0939\u0947 \u0939\u0948\u0902, \u0917\u0948\u0930-\u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c\u0940 \u0924\u0930\u0940\u0915\u094b\u0902 \u0938\u0939\u093f\u0924 \u0905\u0927\u093f\u0915 \u0915\u0920\u094b\u0930 \u0938\u0924\u094d\u092f\u093e\u092a\u0928 \u0935\u093f\u0927\u093f\u092f\u094b\u0902 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0964 \u0907\u0938\u0915\u0947 \u0935\u093f\u092a\u0930\u0940\u0924, \u0915\u092e \u091c\u094b\u0916\u093f\u092e \u0935\u093e\u0932\u0947 \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f, \u0938\u0941\u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093f\u0924 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e\u090f\u0901 \u0909\u091a\u093f\u0924 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0902, \u092c\u0936\u0930\u094d\u0924\u0947 \u0935\u0947 \u0905\u092d\u0940 \u092d\u0940 \u0928\u093f\u092f\u093e\u092e\u0915 \u092e\u093e\u0928\u0915\u094b\u0902 \u0915\u094b \u092a\u0942\u0930\u093e \u0915\u0930\u0924\u0940 \u0939\u094b\u0902\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0905\u092a\u0928\u0947 \u091c\u094b\u0916\u093f\u092e \u0938\u0939\u093f\u0937\u094d\u0923\u0941\u0924\u093e \u0915\u094b \u0938\u092e\u091d\u0915\u0930 \u0914\u0930 \u092a\u0930\u093f\u092d\u093e\u0937\u093f\u0924 \u0915\u0930\u0915\u0947, \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u0905\u092a\u0928\u0947 \u0917\u094d\u0930\u093e\u0939\u0915 \u092a\u0939\u091a\u093e\u0928 \u0915\u093e\u0930\u094d\u092f\u0915\u094d\u0930\u092e (\u0938\u0940\u0906\u0908\u092a\u0940) \u0915\u094b \u0905\u092a\u0928\u0947 \u0917\u094d\u0930\u093e\u0939\u0915 \u0906\u0927\u093e\u0930 \u0938\u0947 \u091c\u0941\u0921\u093c\u0947 \u0905\u0928\u0942\u0920\u0947 \u091c\u094b\u0916\u093f\u092e\u094b\u0902 \u0915\u094b \u092a\u094d\u0930\u092d\u093e\u0935\u0940 \u0922\u0902\u0917 \u0938\u0947 \u0938\u0902\u092c\u094b\u0927\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0905\u0928\u0941\u0915\u0942\u0932\u093f\u0924 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u092f\u0939 \u0926\u0943\u0937\u094d\u091f\u093f\u0915\u094b\u0923 \u0928 \u0915\u0947\u0935\u0932 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0905\u092a\u0930\u093e\u0927\u094b\u0902 \u0915\u094b \u0930\u094b\u0915\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0924\u093e \u0939\u0948 \u092c\u0932\u094d\u0915\u093f \u0928\u093f\u092f\u093e\u092e\u0915 \u0905\u092a\u0947\u0915\u094d\u0937\u093e\u0913\u0902 \u0915\u093e \u0905\u0928\u0941\u092a\u093e\u0932\u0928 \u092d\u0940 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u0935\u094d\u092f\u093e\u092a\u0915 \u0930\u093f\u0915\u0949\u0930\u094d\u0921 \u092c\u0928\u093e\u090f \u0930\u0916\u0928\u093e \u0914\u0930 \u0909\u091a\u093f\u0924 \u0938\u0924\u094d\u092f\u093e\u092a\u0928 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e\u090f\u0902 \u0932\u093e\u0917\u0942 \u0915\u0930\u0928\u093e \u092f\u0939 \u092a\u094d\u0930\u0926\u0930\u094d\u0936\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0936\u094d\u092f\u0915 \u0939\u0948 \u0915\u093f \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u0915\u093e \u0938\u0940\u0906\u0908\u092a\u0940 \u092e\u091c\u092c\u0942\u0924, \u0905\u0928\u0941\u0915\u0942\u0932\u0928\u0940\u092f \u0914\u0930 \u0915\u093e\u0928\u0942\u0928 \u0915\u0947 \u0905\u0915\u094d\u0937\u0930 \u0914\u0930 \u092d\u093e\u0935\u0928\u093e \u0926\u094b\u0928\u094b\u0902 \u0915\u0947 \u0905\u0928\u0941\u0930\u0942\u092a \u0939\u0948\u0964.<\/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>InvestGlass \u0915\u0947 \u0938\u093e\u0925 \u0938\u0940\u0906\u0908\u092a\u0940 (CIP) \u0915\u094b \u0921\u093f\u091c\u093c\u093e\u0907\u0928 \u0914\u0930 \u0938\u094d\u0935\u091a\u093e\u0932\u093f\u0924 \u0915\u0930\u0928\u093e<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u092a\u094d\u0930\u092d\u093e\u0935\u0940 \u0938\u0940\u0906\u0908\u092a\u0940 (CIP) \u0915\u093e\u0930\u094d\u092f\u093e\u0928\u094d\u0935\u092f\u0928 \u0915\u0947 \u0932\u093f\u090f \u0924\u0915\u0928\u0940\u0915 \u0905\u092c \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u0939\u0948\u0964 \u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f\u0917\u094d\u0932\u093e\u0938 (InvestGlass) \u0938\u0902\u0935\u0947\u0926\u0928\u0936\u0940\u0932 \u0917\u094d\u0930\u093e\u0939\u0915 \u0921\u0947\u091f\u093e \u092a\u0930 \u092a\u0942\u0930\u093e \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923 \u092c\u0928\u093e\u090f \u0930\u0916\u0924\u0947 \u0939\u0941\u090f \u0907\u0928 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e\u0913\u0902 \u0915\u094b \u0938\u094d\u0935\u091a\u093e\u0932\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u092a\u0942\u0930\u0940 \u0924\u0930\u0939 \u0938\u0947 \u090f\u0915\u0940\u0915\u0943\u0924, \u0938\u0902\u092a\u094d\u0930\u092d\u0941 \u092e\u0902\u091a \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u092b\u0930\u094d\u092e\u094d\u0938 \u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f\u0917\u094d\u0932\u093e\u0938 (InvestGlass) \u092e\u0947\u0902 \u0921\u093f\u091c\u093f\u091f\u0932 \u0911\u0928\u092c\u094b\u0930\u094d\u0921\u093f\u0902\u0917 \u092f\u093e\u0924\u094d\u0930\u093e\u0913\u0902 \u0915\u094b \u0907\u0938 \u092a\u094d\u0930\u0915\u093e\u0930 \u0915\u0949\u0928\u094d\u092b\u093c\u093f\u0917\u0930 \u0915\u0930 \u0938\u0915\u0924\u0940 \u0939\u0948\u0902:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0905\u0928\u0941\u0915\u0942\u0932\u0928 \u092f\u094b\u0917\u094d\u092f \u092b\u093c\u0949\u0930\u094d\u092e \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0906\u0935\u0936\u094d\u092f\u0915 \u092a\u0939\u091a\u093e\u0928 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u090f\u0915\u0924\u094d\u0930 \u0915\u0930\u0947\u0902<\/li>\n\n\n\n<li>\u0917\u094d\u0930\u093e\u0939\u0915 \u0915\u0947 \u092a\u094d\u0930\u0915\u093e\u0930 \u0914\u0930 \u091c\u094b\u0916\u093f\u092e \u0915\u093e\u0930\u0915\u094b\u0902 \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u0917\u0924\u093f\u0936\u0940\u0932 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c \u0905\u0928\u0941\u0930\u094b\u0927 \u091f\u094d\u0930\u093f\u0917\u0930 \u0915\u0930\u0947\u0902\u0964<\/li>\n\n\n\n<li>\u0905\u0928\u0941\u092a\u093e\u0932\u0928 \u0905\u0927\u093f\u0915\u093e\u0930\u0940 \u0915\u0940 \u0938\u092e\u0940\u0915\u094d\u0937\u093e \u0915\u0947 \u0932\u093f\u090f \u0938\u0936\u0930\u094d\u0924 \u0924\u0930\u094d\u0915 \u0932\u093e\u0917\u0942 \u0915\u0930\u0947\u0902<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass \u0925\u0930\u094d\u0921-\u092a\u093e\u0930\u094d\u091f\u0940 \u092a\u0939\u091a\u093e\u0928 \u0938\u0924\u094d\u092f\u093e\u092a\u0928 \u0915\u0947 \u0938\u093e\u0925 \u090f\u0915\u0940\u0915\u0943\u0924 \u0915\u0930\u0924\u093e \u0939\u0948, <a href=\"https:\/\/www.investglass.com\/hi\/%e0%a4%aa%e0%a5%87%e0%a4%aa-%e0%a4%b8%e0%a5%88%e0%a4%82%e0%a4%95%e0%a5%8d%e0%a4%b6%e0%a4%a8-%e0%a4%b8%e0%a5%8d%e0%a4%95%e0%a5%8d%e0%a4%b0%e0%a5%80%e0%a4%a8%e0%a4%bf%e0%a4%82%e0%a4%97-%e0%a4%b5\/\" target=\"_self\">\u092a\u094d\u0930\u0924\u093f\u092c\u0902\u0927 \u0914\u0930 \u092a\u0940\u0908\u092a\u0940 \u0938\u094d\u0915\u094d\u0930\u0940\u0928\u093f\u0902\u0917<\/a> \u092a\u094d\u0930\u0926\u093e\u0924\u093e\u0913\u0902 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0924\u0947 \u0939\u0941\u090f, \u091c\u092c\u0915\u093f \u0935\u0930\u094d\u0915\u092b\u093c\u094d\u0932\u094b, \u0928\u093f\u0930\u094d\u0923\u092f \u0928\u093f\u092f\u092e\u094b\u0902 \u0914\u0930 \u0938\u0902\u0917\u094d\u0930\u0939\u0940\u0924 \u0921\u0947\u091f\u093e \u092a\u0930 \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923 \u0938\u094d\u0935\u093f\u0938 \u092f\u093e \u0938\u094d\u0935-\u0939\u094b\u0938\u094d\u091f\u0947\u0921 \u092c\u0941\u0928\u093f\u092f\u093e\u0926\u0940 \u0922\u093e\u0902\u091a\u0947 \u0915\u0947 \u092d\u0940\u0924\u0930 \u092c\u0928\u093e\u090f \u0930\u0916\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u092a\u094d\u0932\u0947\u091f\u092b\u093c\u0949\u0930\u094d\u092e \u0915\u0940 \u092e\u0941\u0916\u094d\u092f \u0915\u094d\u0937\u092e\u0924\u093e\u090f\u0901:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0938\u0902\u092a\u0942\u0930\u094d\u0923 \u0917\u094d\u0930\u093e\u0939\u0915 \u0907\u0924\u093f\u0939\u093e\u0938 \u0914\u0930 \u0938\u0902\u092c\u0902\u0927 \u091f\u094d\u0930\u0948\u0915\u093f\u0902\u0917 \u0915\u0947 \u0938\u093e\u0925 CRM<\/li>\n\n\n\n<li>\u092a\u094d\u0930\u093e\u0915\u0943\u0924\u093f\u0915 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u092f\u094b\u0902 \u0914\u0930 \u0915\u093e\u0928\u0942\u0928\u0940 \u0938\u0902\u0938\u094d\u0925\u093e\u0913\u0902 \u0915\u093e \u0938\u092e\u0930\u094d\u0925\u0928 \u0915\u0930\u0928\u0947 \u0935\u093e\u0932\u0947 \u0915\u0947\u0935\u093e\u0908\u0938\u0940 \u0921\u0947\u091f\u093e \u092e\u0949\u0921\u0932<\/li>\n\n\n\n<li>\u092a\u093e\u0901\u091a \u0938\u093e\u0932 \u0915\u0947 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c \u0930\u0940\u092b\u093c\u094d\u0930\u0947\u0936 \u091a\u0915\u094d\u0930\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0938\u094d\u0935\u091a\u093e\u0932\u093f\u0924 \u0905\u0928\u0941\u0938\u094d\u092e\u093e\u0930\u0915<\/li>\n\n\n\n<li>\u0928\u093f\u092f\u093e\u092e\u0915 \u0928\u093f\u0930\u0940\u0915\u094d\u0937\u0923\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0935\u094d\u092f\u093e\u092a\u0915 \u0911\u0921\u093f\u091f \u091f\u094d\u0930\u0947\u0932\u094d\u0938<\/li>\n\n\n\n<li>\u092d\u0942\u092e\u093f\u0915\u093e-\u0906\u0927\u093e\u0930\u093f\u0924 \u0905\u092d\u093f\u0917\u092e \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923 \u0914\u0930 <a href=\"https:\/\/www.investglass.com\/hi\/%e0%a4%b6%e0%a5%80%e0%a4%b0%e0%a5%8d%e0%a4%b7-5-%e0%a4%b8%e0%a5%81%e0%a4%b0%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%bf%e0%a4%a4-%e0%a4%95%e0%a5%8d%e0%a4%b2%e0%a4%be%e0%a4%87%e0%a4%82%e0%a4%9f-%e0%a4%ab\/\" target=\"_self\">\u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0915\u094d\u0932\u093e\u0907\u0902\u091f \u092a\u094b\u0930\u094d\u091f\u0932<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f\u0917\u094d\u0932\u093e\u0938 (InvestGlass) \u0935\u093f\u0936\u0947\u0937 \u0930\u0942\u092a \u0938\u0947 \u0909\u0928 \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0909\u092a\u092f\u0941\u0915\u094d\u0924 \u0939\u0948 \u091c\u094b \u090f\u0915 \u0910\u0938\u0947 \u092f\u0942\u0930\u094b\u092a\u0940\u092f, \u0917\u0948\u0930-\u0905\u092e\u0947\u0930\u093f\u0915\u0940 \u0914\u0930 \u0917\u0948\u0930-\u091a\u0940\u0928\u0940 \u0938\u092e\u093e\u0927\u093e\u0928 \u0915\u0940 \u0924\u0932\u093e\u0936 \u092e\u0947\u0902 \u0939\u0948\u0902 \u091c\u094b \u0917\u094d\u0930\u093e\u0939\u0915 \u0921\u0947\u091f\u093e \u0938\u0902\u092a\u094d\u0930\u092d\u0941\u0924\u093e \u0914\u0930 \u0928\u093f\u092f\u093e\u092e\u0915 \u0905\u092a\u0947\u0915\u094d\u0937\u093e\u0913\u0902 \u0915\u093e \u0938\u092e\u094d\u092e\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964.<\/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=\"\u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f\u0917\u094d\u0932\u093e\u0938 \u0917\u094d\u0930\u093e\u0939\u0915 \u0911\u0928\u092c\u094b\u0930\u094d\u0921\u093f\u0902\u0917 \u0916\u0941\u0926\u0930\u093e \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092e\u0947\u0902\" 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\">\u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f\u0917\u094d\u0932\u093e\u0938 \u0917\u094d\u0930\u093e\u0939\u0915 \u0911\u0928\u092c\u094b\u0930\u094d\u0921\u093f\u0902\u0917 \u0916\u0941\u0926\u0930\u093e \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092e\u0947\u0902<\/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>\u0935\u094d\u092f\u093e\u0935\u0939\u093e\u0930\u093f\u0915 \u0915\u093e\u0930\u094d\u092f\u093e\u0928\u094d\u0935\u092f\u0928 \u0930\u094b\u0921\u092e\u0948\u092a<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass \u0915\u0947 \u0938\u093e\u0925 CIP \u0915\u094b \u0932\u093e\u0917\u0942 \u0915\u0930\u0928\u0947 \u0915\u093e \u090f\u0915 \u0938\u0902\u0915\u094d\u0937\u093f\u092a\u094d\u0924 \u0930\u094b\u0921\u092e\u0948\u092a:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u0935\u0930\u094d\u0924\u092e\u093e\u0928 \u0905\u0902\u0924\u0930\u093e\u0932 \u0915\u093e \u0906\u0915\u0932\u0928 \u0915\u0930\u0947\u0902:<\/strong> \u092e\u094c\u091c\u0942\u0926\u093e \u0938\u0940\u0906\u0908\u092a\u0940 (CIP) \u0915\u0940 \u0935\u093f\u0928\u093f\u092f\u093e\u092e\u0915 \u0905\u092a\u0947\u0915\u094d\u0937\u093e\u0913\u0902 \u0915\u0947 \u092e\u0941\u0915\u093e\u092c\u0932\u0947 \u0938\u092e\u0940\u0915\u094d\u0937\u093e \u0915\u0930\u0947\u0902 \u0914\u0930 \u0915\u092e\u091c\u093c\u094b\u0930\u093f\u092f\u094b\u0902 \u0915\u0940 \u092a\u0939\u091a\u093e\u0928 \u0915\u0930\u0947\u0902\u0964<\/li>\n\n\n\n<li><strong>\u0928\u0940\u0924\u093f\u092f\u093e\u0901 \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0915\u0930\u0947\u0902:<\/strong> \u091c\u094b\u0916\u093f\u092e \u0915\u094d\u0937\u0941\u0927\u093e \u0938\u094d\u0925\u093e\u092a\u093f\u0924 \u0915\u0930\u0947\u0902 \u0914\u0930 \u0928\u094d\u092f\u093e\u092f\u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u091c\u094b\u0916\u093f\u092e-\u0906\u0927\u093e\u0930\u093f\u0924 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e\u0913\u0902 \u0915\u093e \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u0940\u0915\u0930\u0923 \u0915\u0930\u0947\u0902\u0964<\/li>\n\n\n\n<li><strong>\u0935\u0930\u094d\u0915\u092b\u093c\u094d\u0932\u094b \u0921\u093f\u091c\u093c\u093e\u0907\u0928 \u0915\u0930\u0947\u0902:<\/strong> \u0938\u0924\u094d\u092f\u093e\u092a\u0928 \u0935\u093f\u0927\u093f\u092f\u094b\u0902 \u0914\u0930 \u090f\u0938\u094d\u0915\u0947\u0932\u0947\u0936\u0928 \u091f\u094d\u0930\u093f\u0917\u0930 \u0938\u0939\u093f\u0924 \u0932\u0915\u094d\u0937\u093f\u0924 \u0911\u0928\u092c\u094b\u0930\u094d\u0921\u093f\u0902\u0917 \u092a\u094d\u0930\u0935\u093e\u0939\u094b\u0902 \u0915\u093e \u0928\u0915\u094d\u0936\u093e \u092c\u0928\u093e\u090f\u0902<\/li>\n\n\n\n<li><strong>\u092a\u094d\u0932\u0947\u091f\u092b\u093c\u0949\u0930\u094d\u092e \u0915\u0949\u0928\u094d\u092b\u093c\u093f\u0917\u0930 \u0915\u0930\u0947\u0902:<\/strong> InvestGlass \u092e\u0947\u0902 \u0909\u091a\u093f\u0924 \u0928\u093f\u0930\u094d\u0923\u092f \u0935\u0943\u0915\u094d\u0937 (\u0921\u093f\u0938\u0940\u091c\u0928 \u091f\u094d\u0930\u0940) \u0914\u0930 \u0906\u0902\u0924\u0930\u093f\u0915 \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923 \u0915\u0947 \u0938\u093e\u0925 \u0935\u0930\u094d\u0915\u092b\u093c\u094d\u0932\u094b \u092c\u0928\u093e\u090f\u0901<\/li>\n\n\n\n<li><strong>\u092a\u093e\u092f\u0932\u091f<\/strong> \u0935\u094d\u092f\u093e\u092a\u0915 \u0930\u0942\u092a \u0938\u0947 \u0936\u0941\u0930\u0942 \u0915\u0930\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u090f\u0915 \u0935\u093f\u0936\u093f\u0937\u094d\u091f \u0935\u094d\u092f\u093e\u0935\u0938\u093e\u092f\u093f\u0915 \u0932\u093e\u0907\u0928 (\u0909\u0926\u093e\u0939\u0930\u0923 \u0915\u0947 \u0932\u093f\u090f, Q4 2026 \u0915\u0947 \u0928\u090f \u0917\u094d\u0930\u093e\u0939\u0915) \u0915\u0947 \u0938\u093e\u0925 \u092a\u0930\u0940\u0915\u094d\u0937\u0923 \u0915\u0930\u0947\u0902<\/li>\n\n\n\n<li><strong>\u092e\u093e\u092a<\/strong> \u0911\u0928\u092c\u094b\u0930\u094d\u0921\u093f\u0902\u0917 \u0938\u092e\u092f, \u092e\u0948\u0928\u0941\u0905\u0932 \u0938\u092e\u0940\u0915\u094d\u0937\u093e \u0926\u0930 \u0914\u0930 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c \u092a\u0942\u0930\u094d\u0923\u0924\u093e \u091c\u0948\u0938\u0947 KPI \u0938\u094d\u0925\u093e\u092a\u093f\u0924 \u0915\u0930\u0947\u0902<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u0915\u092e\u094d\u092a\u094d\u0932\u093e\u092f\u0902\u0938, \u0906\u0908\u091f\u0940, \u092b\u094d\u0930\u0902\u091f \u0911\u092b\u093f\u0938 \u0914\u0930 \u0921\u0947\u091f\u093e \u092a\u094d\u0930\u094b\u091f\u0947\u0915\u094d\u0936\u0928 \u091f\u0940\u092e\u094b\u0902 \u0915\u0947 \u092c\u0940\u091a \u0938\u0939\u092f\u094b\u0917 \u092f\u0939 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948 \u0915\u093f \u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f\u0917\u094d\u0932\u093e\u0938 (InvestGlass) \u0915\u093e \u0915\u093e\u0930\u094d\u092f\u093e\u0928\u094d\u0935\u092f\u0928 \u0935\u093f\u0928\u093f\u092f\u093e\u092e\u0915 (\u0930\u0947\u0917\u0941\u0932\u0947\u091f\u0930\u0940) \u0914\u0930 \u0921\u0947\u091f\u093e \u0938\u0902\u092a\u094d\u0930\u092d\u0941\u0924\u093e (\u0921\u0947\u091f\u093e \u0938\u0949\u0935\u0930\u0947\u0928\u094d\u091f\u0940) \u0926\u094b\u0928\u094b\u0902 \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f\u094b\u0902 \u0915\u094b \u092a\u0942\u0930\u093e \u0915\u0930\u0924\u093e \u0939\u0948\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u090f\u0915 \u0905\u091a\u094d\u091b\u0940 \u0924\u0930\u0939 \u0938\u0947 \u0921\u093f\u091c\u093c\u093e\u0907\u0928 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0917\u094d\u0930\u093e\u0939\u0915 \u092a\u0939\u091a\u093e\u0928 \u0915\u093e\u0930\u094d\u092f\u0915\u094d\u0930\u092e \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0905\u092a\u0930\u093e\u0927 \u0938\u0947 \u0906\u092a\u0915\u0947 \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u0914\u0930 \u0906\u092a\u0915\u0947 \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0926\u094b\u0928\u094b\u0902 \u0915\u0940 \u0930\u0915\u094d\u0937\u093e \u0915\u0930\u0924\u093e \u0939\u0948 \u0914\u0930 \u0938\u093e\u0925 \u0939\u0940 \u0935\u093f\u0928\u093f\u092f\u093e\u092e\u0915 \u0935\u093f\u0936\u094d\u0935\u093e\u0938 \u0915\u093e \u0938\u092e\u0930\u094d\u0925\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 InvestGlass \u0915\u0947 \u0938\u093e\u0925, \u0906\u092a \u0921\u0947\u091f\u093e \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923 \u0938\u0947 \u0938\u092e\u091d\u094c\u0924\u093e \u0915\u093f\u090f \u092c\u093f\u0928\u093e \u0905\u0928\u0941\u092a\u093e\u0932\u0928 \u092f\u094b\u0917\u094d\u092f CIP \u0935\u0930\u094d\u0915\u092b\u093c\u094d\u0932\u094b \u091a\u0932\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0938\u0902\u092a\u094d\u0930\u092d\u0941 \u092c\u0941\u0928\u093f\u092f\u093e\u0926\u0940 \u0922\u093e\u0902\u091a\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0915\u094d\u092f\u093e \u0906\u092a \u0905\u092a\u0928\u0947 \u0938\u0940\u0906\u0908\u092a\u0940 (CIP) \u092b\u094d\u0930\u0947\u092e\u0935\u0930\u094d\u0915 \u0915\u094b \u092e\u091c\u092c\u0942\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0924\u0948\u092f\u093e\u0930 \u0939\u0948\u0902? \u092f\u0939 \u091c\u093e\u0928\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0926\u0947\u0916\u0947\u0902 \u0915\u093f \u0915\u0948\u0938\u0947 \u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f\u0917\u094d\u0932\u093e\u0938 (InvestGlass) \u0906\u092a\u0915\u0940 \u0938\u0902\u0938\u094d\u0925\u093e \u0915\u094b \u0915\u094d\u0932\u093e\u0907\u0902\u091f \u0921\u0947\u091f\u093e \u0938\u0902\u092a\u094d\u0930\u092d\u0941\u0924\u093e \u0915\u0940 \u0930\u0915\u094d\u0937\u093e \u0915\u0930\u0924\u0947 \u0939\u0941\u090f \u0905\u0928\u0941\u092a\u093e\u0932\u0928 \u0911\u0928\u092c\u094b\u0930\u094d\u0921\u093f\u0902\u0917 \u0915\u094b \u0938\u094d\u0935\u091a\u093e\u0932\u093f\u0924 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948\u0964.<\/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>\u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937 \u0914\u0930 \u0906\u0917\u0947 \u0915\u0947 \u0915\u0926\u092e<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0938\u0902\u0915\u094d\u0937\u0947\u092a \u092e\u0947\u0902, \u0917\u094d\u0930\u093e\u0939\u0915 \u092a\u0939\u091a\u093e\u0928 \u0915\u093e\u0930\u094d\u092f\u0915\u094d\u0930\u092e (\u0938\u0940\u0906\u0908\u092a\u0940) \u0915\u093f\u0938\u0940 \u092d\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u0915\u0947 \u092e\u0928\u0940 \u0932\u0949\u0928\u094d\u0921\u094d\u0930\u093f\u0902\u0917 \u0935\u093f\u0930\u094b\u0927\u0940 \u0914\u0930 \u092c\u0948\u0902\u0915 \u0917\u094b\u092a\u0928\u0940\u092f\u0924\u093e \u0905\u0927\u093f\u0928\u093f\u092f\u092e \u0905\u0928\u0941\u092a\u093e\u0932\u0928 \u0922\u093e\u0902\u091a\u0947 \u0915\u093e \u090f\u0915 \u0905\u0928\u093f\u0935\u093e\u0930\u094d\u092f \u0939\u093f\u0938\u094d\u0938\u093e \u0939\u0948\u0964 \u0938\u0924\u0930\u094d\u0915\u0924\u093e\u092a\u0942\u0930\u094d\u0935\u0915 \u092a\u0939\u091a\u093e\u0928 \u0938\u0924\u094d\u092f\u093e\u092a\u0928, \u0938\u091f\u0940\u0915 \u0930\u093f\u0915\u0949\u0930\u094d\u0921 \u0930\u0916\u0928\u0947 \u0914\u0930 \u0928\u093f\u0930\u0902\u0924\u0930 \u0928\u093f\u0917\u0930\u093e\u0928\u0940 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947, \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u092e\u0928\u0940 \u0932\u0949\u0928\u094d\u0921\u094d\u0930\u093f\u0902\u0917, \u0906\u0924\u0902\u0915\u0935\u093e\u0926\u0940 \u0935\u093f\u0924\u094d\u0924\u092a\u094b\u0937\u0923 \u0914\u0930 \u0905\u0928\u094d\u092f \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0905\u092a\u0930\u093e\u0927\u094b\u0902 \u0915\u0947 \u0905\u092a\u0928\u0947 \u091c\u094b\u0916\u093f\u092e \u0915\u094b \u0915\u093e\u092b\u0940 \u0939\u0926 \u0924\u0915 \u0915\u092e \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0905\u092a\u0930\u093e\u0927 \u092a\u094d\u0930\u0935\u0930\u094d\u0924\u0928 \u0928\u0947\u091f\u0935\u0930\u094d\u0915 (\u092b\u093f\u0928\u0938\u0947\u0928) \u0915\u093e \u0905\u0902\u0924\u093f\u092e \u0928\u093f\u092f\u092e \u0915\u093e\u0928\u0942\u0928\u0940 \u0907\u0915\u093e\u0908 \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0932\u093e\u092d\u0915\u093e\u0930\u0940 \u0938\u094d\u0935\u093e\u092e\u093f\u092f\u094b\u0902 \u0915\u0940 \u092a\u0939\u091a\u093e\u0928 \u090f\u0915\u0924\u094d\u0930 \u0915\u0930\u0928\u0947 \u0914\u0930 \u0938\u0924\u094d\u092f\u093e\u092a\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u092e\u0939\u0924\u094d\u0935 \u0915\u094b \u0914\u0930 \u0930\u0947\u0916\u093e\u0902\u0915\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948, \u091c\u094b \u0935\u094d\u092f\u093e\u092a\u0915 \u0938\u0940\u0906\u0908\u092a\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u0913\u0902 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0915\u094b \u092a\u0941\u0937\u094d\u091f \u0915\u0930\u0924\u093e \u0939\u0948\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u090f\u0915 \u092a\u094d\u0930\u092d\u093e\u0935\u0940 \u0938\u0940\u0906\u0908\u092a\u0940 \u092c\u0928\u093e\u090f \u0930\u0916\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f, \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u0915\u094b \u0928\u093f\u092f\u092e\u093f\u0924 \u0930\u0942\u092a \u0938\u0947 \u0905\u092a\u0928\u0940 \u091c\u094b\u0916\u093f\u092e \u0938\u0939\u0928\u0936\u0940\u0932\u0924\u093e \u0915\u093e \u0906\u0915\u0932\u0928 \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u093f\u090f \u0914\u0930 \u0935\u093f\u0928\u093f\u092f\u093e\u092e\u0915 \u0905\u092a\u0947\u0915\u094d\u0937\u093e\u0913\u0902 \u0914\u0930 \u092c\u0926\u0932\u0924\u0947 \u091c\u094b\u0916\u093f\u092e \u092a\u0930\u093f\u0926\u0943\u0936\u094d\u092f \u092e\u0947\u0902 \u092c\u0926\u0932\u093e\u0935\u094b\u0902 \u0915\u094b \u0926\u0930\u094d\u0936\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0905\u092a\u0928\u0947 \u092a\u0939\u091a\u093e\u0928 \u0915\u093e\u0930\u094d\u092f\u0915\u094d\u0930\u092e \u0915\u094b \u0905\u092a\u0921\u0947\u091f \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964 \u0907\u0938\u092e\u0947\u0902 \u0928\u093f\u092f\u093e\u092e\u0915\u094b\u0902, \u091c\u0948\u0938\u0947 \u0915\u093f \u092b\u093e\u0907\u0928\u0947\u0902\u0936\u093f\u092f\u0932 \u0915\u094d\u0930\u093e\u0907\u092e\u094d\u0938 \u090f\u0928\u092b\u094b\u0930\u094d\u0938\u092e\u0947\u0902\u091f \u0928\u0947\u091f\u0935\u0930\u094d\u0915, \u0915\u0947 \u0928\u090f \u0926\u093f\u0936\u093e\u0928\u093f\u0930\u094d\u0926\u0947\u0936\u094b\u0902 \u0915\u0947 \u092c\u093e\u0930\u0947 \u092e\u0947\u0902 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0930\u0916\u0928\u093e \u0914\u0930 \u092f\u0939 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0928\u093e \u0936\u093e\u092e\u093f\u0932 \u0939\u0948 \u0915\u093f \u0938\u0940\u0906\u0908\u092a\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u0947 \u0938\u092d\u0940 \u092a\u0939\u0932\u0942 \u092a\u094d\u0930\u0932\u0947\u0916\u093f\u0924 \u0914\u0930 \u0911\u0921\u093f\u091f \u0915\u0930\u0928\u0947 \u092f\u094b\u0917\u094d\u092f \u0939\u094b\u0902\u0964.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0905\u0917\u0932\u0947 \u0915\u0926\u092e\u094b\u0902 \u092e\u0947\u0902 \u0938\u0940\u0906\u0908\u092a\u0940 (CIP) \u0928\u0940\u0924\u093f\u092f\u094b\u0902 \u0914\u0930 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e\u0913\u0902 \u0915\u0940 \u0917\u0939\u0928 \u0938\u092e\u0940\u0915\u094d\u0937\u093e \u0914\u0930 \u0905\u0926\u094d\u092f\u0924\u0928, \u0935\u0930\u094d\u0924\u092e\u093e\u0928 \u0938\u0940\u0906\u0908\u092a\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u0913\u0902 \u092a\u0930 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0928\u093f\u0930\u0902\u0924\u0930 \u092a\u094d\u0930\u0936\u093f\u0915\u094d\u0937\u0923, \u0914\u0930 \u0905\u0928\u0941\u092a\u093e\u0932\u0928 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0928\u093f\u092f\u092e\u093f\u0924 \u0906\u0902\u0924\u0930\u093f\u0915 \u0911\u0921\u093f\u091f \u0936\u093e\u092e\u093f\u0932 \u0939\u094b\u0928\u0947 \u091a\u093e\u0939\u093f\u090f\u0964 \u0938\u094d\u0935\u091a\u093e\u0932\u093f\u0924 \u092a\u0939\u091a\u093e\u0928 \u0938\u0924\u094d\u092f\u093e\u092a\u0928 \u0914\u0930 \u0935\u0930\u094d\u0915\u092b\u093c\u094d\u0932\u094b \u092a\u094d\u0930\u092c\u0902\u0927\u0928 \u092a\u094d\u0930\u0923\u093e\u0932\u093f\u092f\u094b\u0902 \u091c\u0948\u0938\u0947 \u092a\u094d\u0930\u094c\u0926\u094d\u092f\u094b\u0917\u093f\u0915\u0940-\u0906\u0927\u093e\u0930\u093f\u0924 \u0938\u092e\u093e\u0927\u093e\u0928\u094b\u0902 \u0915\u094b \u0905\u092a\u0928\u093e\u0928\u093e, \u0938\u0940\u0906\u0908\u092a\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u0940 \u0926\u0915\u094d\u0937\u0924\u093e \u0914\u0930 \u092a\u094d\u0930\u092d\u093e\u0935\u0936\u0940\u0932\u0924\u093e \u0915\u094b \u0914\u0930 \u092c\u0922\u093c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u0907\u0928 \u0938\u0915\u094d\u0930\u093f\u092f \u0909\u092a\u093e\u092f\u094b\u0902 \u0915\u094b \u0905\u092a\u0928\u093e\u0915\u0930, \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0905\u092a\u0930\u093e\u0927\u094b\u0902 \u0938\u0947 \u092e\u0941\u0915\u093e\u092c\u0932\u093e \u0915\u0930\u0928\u0947 \u0914\u0930 \u090f\u0915 \u092e\u091c\u092c\u0942\u0924, \u0905\u0928\u0941\u092a\u093e\u0932\u0915 \u0917\u094d\u0930\u093e\u0939\u0915 \u092a\u0939\u091a\u093e\u0928 \u0915\u093e\u0930\u094d\u092f\u0915\u094d\u0930\u092e \u092c\u0928\u093e\u090f \u0930\u0916\u0928\u0947 \u0915\u0940 \u0905\u092a\u0928\u0940 \u092a\u094d\u0930\u0924\u093f\u092c\u0926\u094d\u0927\u0924\u093e \u0915\u093e \u092a\u094d\u0930\u0926\u0930\u094d\u0936\u0928 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964.<\/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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