Customer due diligence (CDD) is a structured procedure through which financial institutions identify, verify, and understand their customers to manage risks related to anti-money laundering (AML) and counter-financing of terrorism (CFT), while ensuring compliance with regulations. AML compliance forms a vital part of CDD, assisting institutions in preventing financial crimes and avoiding regulatory sanctions. This process supports global Know Your Customer (KYC) frameworks and is mandated by standards such as the Financial Action Task Force (FATF) 40 Recommendations (updated 2012) and, within the European Union, by the 4th to 6th Anti-Money Laundering Directives. CDD also plays a fundamental role within broader financial crime compliance systems. The significance of CDD and related automation tools lies in their capacity to prevent financial crimes, uphold compliance, and enhance operational efficiency, particularly as regulatory demands evolve and data complexity grows.
InvestGlass offers an integrated Swiss sovereign CRM and automation platform tailored for financial institutions, combining compliance workflows with digital onboarding. The platform supports regulated organisations by streamlining sales, compliance, and customer engagement processes. This guide provides a practical, step-by-step overview aimed at compliance, risk, and operations teams in regulated sectors. Diligence is vital in CDD to meet regulatory standards, prevent fraud, and manage risk effectively. InvestGlass can be hosted in Switzerland or deployed on-premise, enabling organisations to retain control over sensitive financial data while fulfilling regulatory obligations. Whether onboarding new clients in 2026 or managing ongoing relationships, the principles and workflows outlined here will help establish a robust CDD process that complies with regulations and supports business growth.
Что такое должная осмотрительность клиентов (CDD)?
Customer due diligence (CDD) is the systematic process of collecting, verifying, and evaluating information about individuals or legal entities to ascertain their identity, understand their business activities, and assess their potential financial crime risk, with particular focus on identity verification as a key step. Confirming the customer’s identity is crucial for compliance with AML and KYC regulations. CDD assists financial institutions in identifying and mitigating risks such as money laundering and terrorist financing by verifying identities and evaluating risk profiles. This diligence is essential for regulatory compliance, fraud prevention, and safeguarding the organisation’s reputation by ensuring adherence to legal requirements and preventing financial crime.
Взаимосвязь между НПК, KYC и ПОД/ФТ
The connection between CDD, KYC, and AML/CFT forms the foundation of financial crime compliance:
- AML (Anti-Money Laundering): Laws and procedures aimed at stopping criminals from disguising illegally obtained funds as legitimate income.
- CFT (Counter-Financing of Terrorism): Measures designed to detect and prevent the use of financial systems to fund terrorism.
- KYC (Know Your Customer): The overarching framework that includes CDD and ongoing client management to ensure institutions know and monitor their customers.
- CDD (Customer Due Diligence): The focused process within KYC dedicated to identifying, verifying, and assessing customer risk.
In practice, AML/CFT regulations require financial institutions to implement KYC programmes, operationalised through thorough CDD processes. Thus, CDD is the operational heart of KYC, both critical for AML/CFT compliance.
Срок | Определение |
|---|---|
CDD | The targeted process of identifying, verifying, and assessing customer risk |
KYC | Более широкая структура, включающая НПК и постоянное управление отношениями |
AML | Anti-money laundering regulations mandating CDD requirements |
CFT | Counter-terrorist financing rules requiring identification of terrorism financing risks |
Key regulatory references include the FATF 40 Recommendations and the US Financial Crimes Enforcement Network (FinCEN) CDD Rule (effective May 11, 2018), which mandates four core elements of due diligence. |
Типичные элементы процесса НПК
The customer due diligence process generally involves:
- Collecting identity data (name, date of birth, nationality, address)
- Gathering beneficial ownership information
- Understanding source of funds and wealth
- Anticipating account activity and transaction patterns
- Considering geographic and sector exposures
- Assessing the customer’s risk profile based on gathered information
CDD applies to individuals, corporations, trusts, foundations, and other entities, with the depth of scrutiny varying according to the customer’s risk profile. In Switzerland, diligence requirements are governed by the Swiss Anti-Money Laundering Act (AMLA) and FINMA ordinances, which stress risk-based controls and detailed documentation. A comprehensive diligence approach includes both identity verification and risk profiling to ensure compliance and effective risk management.
Почему должная осмотрительность клиентов важна для финансовых учреждений
Between 2015 and 2024, global AML fines surpassed $20 billion. The Danske Bank scandal alone resulted in $2 billion in penalties linked to insufficient CDD on $230 billion of suspicious transactions via its Estonian branch. Credit Suisse was fined $475 million by FINMA in 2022 for repeated AML failures, contributing to its collapse in 2023. Neglecting to assess risks during customer due diligence can lead to severe regulatory penalties and reputational harm for financial institutions.
Предотвращение финансовых преступлений с помощью эффективного НПК
Effective customer due diligence helps prevent financial crimes such as:
- Money laundering (estimated at $800 billion to $2 trillion annually by the United Nations)
- Финансирование терроризма
- Уклонение от санкций
- Мошенничество и коррупция
- Уклонение от уплаты налогов
Регулирующие ставки
The consequences of non-compliance extend beyond fines:
Категория риска | Потенциальные последствия |
|---|---|
Административный | Штрафы до 10% от годового оборота (ОДЗЗ ЕС), предписания по исправлению ситуации |
Криминал | Персональная ответственность высшего руководства в соответствии с 6AMLD |
Оперативная | Лицензионные ограничения, потеря корреспондентских банковских отношений |
Репутация | Client loss, rating downgrades, increased media scrutiny |
Following the Danske Bank case, Nordic banks lost 20-30% of high-risk relationships as counterparties de-risked exposure to institutions with weak controls. |
Стратегические преимущества надежного CDD
Beyond avoiding fines, strong CDD provides strategic advantages:
- Deeper client insights and needs understanding
- Improved customer segmentation and cross-selling (15-20% revenue increase per McKinsey)
- Better risk-based pricing
- Stronger client relationships built on transparency
InvestGlass reduces compliance risk through standardised workflows and reputational risk via transparent audit trails documenting CDD at every stage.
Transition: Recognising CDD’s significance leads to exploring the various due diligence types financial institutions must implement. The following section outlines these types and their practical applications.
Основные виды комплексной проверки клиентов
Financial institutions apply three primary due diligence categories worldwide, as outlined by FATF and EU AML directives. The chosen CDD type depends on the customer’s risk profile and business relationship.
Обзор типов НПК
Тип CDD | Описание | При нанесении |
|---|---|---|
Стандартный CDD | Baseline checks for low to medium risk customers | Большинство клиентов с простыми профилями |
Усиленная проверка благонадежности (EDD) | In-depth scrutiny for high-risk cases (e.g., PEPs, high-risk jurisdictions) | High-risk clients or complex structures |
Упрощенная/постоянная комплексная проверка | Reduced measures for negligible risk or continuous monitoring | Отношения с низким уровнем риска или постоянные отношения |
During onboarding, institutions evaluate each customer’s risk to ensure compliance and effective risk management. | ||
Customers are classified based on factors such as: |
- PEP status (politically exposed persons with elevated corruption risk)
- Presence on FATF grey/black lists or exposure to high-risk jurisdictions
- Сложные корпоративные структуры
- Unusual transaction patterns or adverse media reports
The depth and frequency of checks, documentation, and approvals increase with risk level. InvestGlass supports configuring different workflows and data requirements based on CDD type and risk category.
Стандартная проверка клиентов
Standard CDD serves as the default level for most customers who are not high risk, for example, residents in low-risk countries with straightforward employment or business activities.
Основные элементы для отдельных людей
- Идентификация по паспорту или национальному удостоверению личности
- Verification using independent, reliable sources
- Basic understanding of the relationship’s purpose and expected activity
- Ongoing monitoring to ensure activities align with risk profile and detect any changes signalling increased risk or illicit conduct
Core Elements for Legal Entities
- Юридическое название, регистрационный номер, юридический адрес
- Directors and shareholders holding above thresholds (typically 25% beneficial ownership under FinCEN and EU rules)
- Entity’s purpose and expected activities
Standard CDD should be consistently documented using checklists and forms, ideally digitised within the CRM to minimise errors and omissions.
Усиленная проверка благонадежности (EDD)
Enhanced due diligence applies more rigorous scrutiny to high-risk customers such as:
- Politically exposed persons (PEPs) and their associates
- Клиенты из юрисдикций с высоким уровнем риска (список третьих стран ЕС с высоким уровнем риска, серый список ФАТФ)
- High-risk sectors like casinos, virtual assets, correspondent banking
- Complex ownership structures, offshore trusts, and layered holding companies
Additional EDD Measures
- Detailed documentation of source of funds and wealth
- Corroborating evidence such as audited accounts, contracts, inheritance papers
- Обширный скрининг неблагоприятных сред
- Senior management or compliance approval
- More frequent reviews (annual or quarterly)
InvestGlass can automate EDD triggers based on risk scoring, for example, escalating cases when a PEP or sanctioned country is detected, routing workflows accordingly.
Постоянная и ориентированная на события комплексная проверка
CDD is an ongoing process. Continuous monitoring of transactions, behaviour, and external data occurs throughout the customer lifecycle.
Ongoing CDD enables institutions to adapt to changes that may alter a customer’s risk profile, thereby mitigating risks over time.
Постоянная комплексная проверка включает в себя
- Monitoring transactions against expected patterns
- Повторная проверка по обновленным спискам санкций, PEP и неблагоприятных СМИ
- Периодические проверки на основе рейтинга рисков
Event-Driven Reviews Triggered By
- Sudden transaction volume increases (20-50% deviations)
- Change of residence to higher-risk jurisdictions
- Changes in corporate leadership
- Ввод в эксплуатацию сложных новых мандатов
Within InvestGlass, ongoing CDD is supported by scheduled review tasks, automated alerts for unusual activity, and refreshed customer screening.
Transition: Having reviewed CDD types, the next section examines the core components and practical steps for establishing a compliant and effective CDD process.
Основные элементы процесса комплексной проверки клиентов
The typical CDD lifecycle includes:
- Идентификация клиента
- Верификация
- Оценка рисков
- Determination of CDD level
- Решение о вводе в должность
- Постоянный мониторинг и обзор
This section offers a practical guide for compliance and operations teams to adapt into internal procedures and checklists. InvestGlass enables mapping these elements into configurable, automated workflows with audit trails.
Идентификация клиента
Для частных лиц, собирать:
- Полное юридическое имя
- Дата и место рождения
- Национальность
- Адрес проживания
- Идентификационные номера налогоплательщиков
- Контактная информация
- Род занятий и работодатель
Для юридических лиц, собирайте:
- Зарегистрированное имя и регистрационный номер
- Дата регистрации и юридический адрес
- Организационно-правовая форма и цель
- Список директоров
- Controlling shareholders and beneficial owners
For private banks and wealth managers, capturing relationship context is vital, including mandate types, family office structures, and related trusts or foundations.
InvestGlass digital onboarding forms can be customised per segment (retail, HNWIs, corporate, public sector) and support multiple languages.
Верификация клиентов
Identity data must be verified using reliable, independent sources before establishing the relationship, as required by AML regulations such as EU 5AMLD, Swiss AMLA, and UK MLR 2017.
Методы верификации для физических лиц
- Checking biometric passports or national IDs
- Conducting liveness checks via video ID
- Подтверждение адресов с помощью надежных баз данных или счетов за коммунальные услуги
Методы верификации для корпораций
- Официальные реестры компаний (Швейцарский торговый реестр, британский Companies House, бизнес-реестры ЕС)
- Заверенные учредительные документы
InvestGlass integrates with third-party e-ID, sanctions, and registry providers via API to streamline identity verification and reduce manual review.
Бенефициарная собственность и контроль
Regulators increasingly focus on beneficial ownership transparency, driven by the FinCEN CDD Rule (2018) and EU beneficial ownership register mandates.
Institutions must identify natural persons owning or controlling legal entities above thresholds, typically 25%, with lower thresholds for higher-risk cases.
Проблемы в сложных структурах
- Несколько уровней владения
- Номинальные акционеры
- Trusts and foundations in jurisdictions with limited records
Surveys indicate 30-40% failure rates in tracing multi-layer ultimate beneficial owners (UBOs).
InvestGlass data models capture complex ownership and control structures, maintaining structured records for audits and regulator requests.
Оценка профиля риска
The aim is to assign a risk rating (low, medium, high) based on multiple factors. Risk assessment helps determine scrutiny levels and identify red flags to prevent illicit activities.
Фактор риска | Примеры |
|---|---|
Тип клиента | Статус PEP, корпоративная сложность |
География | Страны с высоким уровнем риска, подверженные санкциям |
Продукция | Трансграничные платежи, виртуальные активы |
Поведение | Transaction patterns vs peer benchmarks |
Внешние данные | Санкции, негативное влияние СМИ |
Quantitative scores and qualitative judgments combine into a risk scorecard. InvestGlass supports configurable scoring models, automatic risk ratings, and overrides with documented rationale. |
Определение надлежащего уровня НПК
Risk ratings guide diligence measures:
Рейтинг риска | Уровень CDD | Документация | Утверждение |
|---|---|---|---|
Низкий | Упрощенный | Основное удостоверение личности, подтверждение адреса | Автоматизированный |
Средний | Стандарт | Полный комплект документации | Relationship Manager sign-off |
Высокий | Расширенный | Пакет EDD, источник богатства | Senior or compliance approval |
Clear policies and decision rules enhance consistency and speed onboarding. InvestGlass workflows apply branching rules with mandatory fields and checks per risk category. |
Постоянный мониторинг и периодический обзор
Continuous monitoring involves tracking transactions, behaviour, and profile changes to detect suspicious patterns.
Review Frequencies
- Low risk: every 3-5 years
- Средний риск: каждые 2-3 года
- High risk: annually or more often
Re-screening against updated sanctions, PEP, and adverse media lists is crucial after geopolitical events or list updates from authorities such as OFAC (US), EU, or SECO (Switzerland).
InvestGlass schedules review tasks, alerts relationship managers when data is outdated, and logs all review activities for regulatory evidence.
Эскалация и отчет о подозрительной деятельности
When suspicious activity is detected, institutions follow escalation processes that may lead to Suspicious Activity Reports (SARs) or Suspicious Transaction Reports (STRs) filed with Financial Intelligence Units like MROS (Switzerland) or FinCEN (US).
Escalation Process
- Front-line staff or monitoring tools flag concerns
- Compliance team reviews cases
- Decision to report suspicious transactions or terminate relationships
Comprehensive CDD documentation, including risk scores and decisions, supports these processes and regulator inquiries. InvestGlass stores case files, documents, and logs decisions, integrating with case management or reporting tools as needed.
Transition: Having outlined core CDD elements, the next section reviews regulatory frameworks shaping these requirements globally and regionally.
Нормативно-правовая база и глобальные требования к НПК
This section summarises key regulations guiding CDD requirements for banks and regulated firms internationally.
While terminology varies, most regimes expect:
- Идентификация и проверка клиентов
- Beneficial ownership understanding
- Risk-based application of measures
- Continuous relationship monitoring
Cross-border institutions often harmonise group-wide standards. InvestGlass supports multiple regulatory rulesets and documentation standards per jurisdiction, which is increasingly important as AI reshapes areas such as central banking and monetary policy governance.
Рекомендации ФАТФ и международные стандарты
The Financial Action Task Force (FATF) issues global AML/CFT standards via its 40 Recommendations, covering CDD, PEPs, and beneficial ownership transparency.
FATF mutual evaluations influence national implementations and supervisory scrutiny. Switzerland’s 2016 “largely compliant” rating led to improvements by 2022.
FATF endorses a risk-based approach, permitting simplified measures for low-risk customers and EDD for higher-risk ones. Aligning policies with FATF aids cross-border operations and regulator engagement.
Директивы Европейского союза по борьбе с отмыванием денег
The EU has strengthened CDD through directives:
Директива | Год | Key Enhancements |
|---|---|---|
4AMLD | 2015 | Реестры бенефициарных владельцев, подход, основанный на оценке рисков |
5AMLD | 2018 | Расширенные определения PEP, виртуальные активы, более строгий EDD |
6AMLD | 2020 | Senior management criminal liability |
The EU AML Package and upcoming AML Authority will further harmonise obligations. | ||
InvestGlass accommodates jurisdiction-specific fields and supports cross-border consistency. |
Правило о должной осмотрительности клиентов, принятое FinCEN США
Effective May 11, 2018, FinCEN’s CDD Rule requires covered institutions to:
- Идентификация и проверка клиентов
- Identify and verify beneficial owners (25% threshold)
- Understand relationship nature and purpose
- Conduct ongoing monitoring and suspicious activity reporting
This rule complements the 2020 AML Act and 2024-25 Corporate Transparency Act introducing a federal beneficial ownership database.
InvestGlass aligns onboarding workflows with these elements and captures required ownership data for US branches.
Швейцарский AMLA и требования FINMA
Swiss AML laws require:
- Identification of contracting parties and beneficial owners
- Clarification of economic background for higher-risk cases
- Упор на качество документации и понимание взаимоотношений
- Надзор, основанный на оценке рисков, особенно в сфере частного банковского обслуживания и управления благосостоянием
Swiss data protection and banking secrecy laws necessitate strict confidentiality and data sovereignty. InvestGlass is a Swiss sovereign solution with Swiss-hosted or on-premise deployments, supporting compliance and privacy.
Transition: Regulatory frameworks establish standards, but sector-specific practices vary. The next section examines CDD application in different financial sectors.
Должная осмотрительность клиентов на практике: Банки, управляющие активами и страховщики
While CDD principles are consistent, application varies by business model, client complexity, and transaction volume.
Розничные и коммерческие банки
High-volume onboarding for accounts, loans, and SME banking requires efficient digital CDD to avoid delays.
Focus Areas
- Standardised identity checks with automated sanctions and PEP screening
- Risk scoring based on products and geography
- Feedback loops from transaction monitoring to update risk assessments
InvestGlass enables pre-filled forms, data reuse across products, and straight-through processing for low-risk clients.
Частные банки и управляющие капиталом
High-net-worth clients often have complex structures including trusts and family offices, with 20-30% linked to PEPs, which increases the need for specialised CRM for private banks to centralise KYC, portfolio and relationship data.
Вызовы
- Intensive EDD for cross-border clients
- Complex portfolios and bespoke products
- Balancing client experience with regulatory demands
InvestGlass integrates CRM, управление портфелем с помощью искусственного интеллекта, and CDD, allowing relationship managers to access risk profiles, KYC documents, and investment data seamlessly.
Insurance, Asset Management and Other Sectors
Life insurers, asset managers, advisers, and real estate firms also face CDD obligations aligned with AML and LCB-FT regulations.
Sector Considerations
- Life policies as potential money laundering channels
- Инвестиционные фонды с номинальным владельцем
- Property transactions requiring buyer and beneficial owner identification
InvestGlass customises forms and workflows for sector-specific data alongside standard CDD, from wealth management to specialised CRM for dental practices that must also respect data protection and identification rules.
Transition: As CDD complexity grows, technology and automation become critical. The next section explores how RegTech solutions like InvestGlass enhance CDD.
От ручного к автоматизированному НПК: роль технологий и RegTech
Manual, paper-based CDD processes incur high costs and delays. Research shows manual onboarding averages $500 per client and 40-day cycles. Automation can reduce onboarding to under 5 minutes for simple cases.
Трудности ручного CDD
Manual processes increase:
- Onboarding time and client dropouts
- Operational expenses
- Error rates and compliance risks
- Difficulty managing complex clients
InvestGlass is a Swiss RegTech and WealthTech platform designed for regulated sectors.
Цифровая регистрация и e-KYC
Digital onboarding enables customers to complete forms, upload documents, and perform automated KYC verification checks remotely.
Преимущества
- Dynamic forms adapting to customer type, country, and risk
- Faster onboarding with fewer drop-offs
- Повышение качества данных
- Direct integration with CRM and portfolio systems
InvestGlass supports white-label portals and digital onboarding for compliant, branded experiences.
Скрининг и мониторинг неблагоприятных сред
Automated tools continuously screen customers against:
- Санкционные списки (OFAC, ЕС, ООН, SECO)
- PEP registers
- Negative news sources
Legacy systems generate many false positives (up to 95%). AI-enhanced matching reduces false positives by 60-70%.
InvestGlass integrates with leading screening providers, enabling alert disposition within one system and maintaining audit trails.
Автоматизация рабочих процессов и управление делами
Configurable workflows handle:
- Запросы и сбор документов
- Утверждения и эскалации
- Оценка рисков
- Periodic reviews and remediation
Rules engines route high-risk cases to compliance, request additional documents when needed, and block account opening until compliance is met.
InvestGlass offers workflow automation, task management, and case tracking connecting front office, compliance, and back office, and similar automation can streamline CDD-relevant processes in specialised CRM for therapists. Dashboards monitor process efficiency and risk distribution.
НПК с помощью искусственного интеллекта в управлении благосостоянием
AI supports human judgment by:
- Classifying documents and extracting data with high accuracy
- Summarising adverse media
- Highlighting inconsistencies
- Detecting unusual portfolio changes
InvestGlass includes AI modules for portfolio management with human oversight and full audit trails.
Transition: Technology enables effective CDD, but strong policies and governance remain essential. The next section outlines building a robust CDD framework with InvestGlass.
Разработка надежной системы НПК с помощью InvestGlass
A solid CDD framework combines policies, processes, technology, and people aligned with risk appetite and regulations. Frameworks should be reviewed annually or after regulatory changes.
Определение аппетита к риску и политики НПК
Senior management must define acceptable risk levels, including:
- High-risk countries and sectors
- Complex products
Policies should specify when to apply simplified, standard, or enhanced CDD, and when to decline or exit relationships.
InvestGlass embeds these rules in workflows for automatic policy adherence.
Стандартизация процедур и контрольных списков
Detailed procedures and checklists ensure consistency across teams:
- Information request templates
- Risk assessment forms
- EDD documentation standards
Standardisation facilitates training, quality reviews, and regulatory demonstration. InvestGlass delivers these as digital forms and task lists, reducing reliance on paper.
Обучение, культура и управление
Regular staff training covers CDD obligations, red flags, and system use, with annual refreshers.
A culture encouraging escalation without fear is vital. Governance follows the three lines model:
Линия | Ответственность |
|---|---|
Первый (бизнес) | Выполнение НПК, выявление рисков |
Второй (соответствие требованиям) | Надзор, консультирование, мониторинг |
Третий (внутренний аудит) | Независимое подтверждение |
InvestGlass reporting supports oversight across lines. |
Качество данных, конфиденциальность и суверенитет данных в Швейцарии
Accurate, current data is crucial for CDD and compliance.
Data protection laws like EU GDPR and Swiss nFADP require:
- Ограничение цели
- Минимизация данных
- Restrictions on cross-border transfers
Swiss data sovereignty is critical for institutions preferring to keep data within Switzerland, making a Swiss financial services CRM platform particularly relevant for banks, insurers, and public entities.
InvestGlass offers Swiss-hosted and on-premise deployments, enabling compliance with data location requirements.
Снижение стоимости и сложности НПК
Growing workloads and regulatory demands strain budgets; CDD can consume 5-10% of compliance costs.
Automation and process redesign reduce costs and improve quality.
Streamlining Onboarding and Reviews
Centralising data avoids duplication:
- Reusing verified data across products and reviews
- Automated reminders for document expiry
- Faster onboarding and fewer client interactions
InvestGlass consolidates CRM, onboarding, KYC, portfolio, and client portal functions, reducing fragmentation.
Уменьшение количества ложных срабатываний
Poorly tuned screening causes excessive false alerts.
Strategies include:
- Пороговые значения, основанные на риске
- Fuzzy matching calibration
- Whitelisting known clients
- Сегментация клиентов
InvestGlass integrations and workflows triage alerts, enrich context, and route only relevant cases for review, improving data quality and reducing false positives.
Leveraging Analytics
Analytics inform process improvements and training:
- SLA adherence
- Missing data rates
- EDD escalation reasons
- Risk trends by segment and geography
InvestGlass dashboards provide visibility into CDD metrics and case details, enabling strategic use of CDD data.
Заключение: Создание устойчивых, отвечающих требованиям CDD с помощью InvestGlass
Customer due diligence is a continuous, risk-based process requiring strong policies, accurate data, and effective technology. Regulators expect documented policies, consistent execution, and oversight throughout the customer lifecycle.
Weak CDD exposes institutions to fines, reputational harm, and loss of banking relationships. Robust frameworks protect against financial crime and build stronger customer bonds.
InvestGlass offers a Swiss sovereign platform uniting CRM, digital onboarding, KYC/CDD, portfolio management, and marketing automation for banks, wealth managers, insurers, and regulated firms. With Swiss data sovereignty, configurable workflows, and integrated compliance, InvestGlass helps institutions meet obligations while lowering operational costs.
Ready to enhance your CDD operations? Assess your current processes against this guide and explore how automation, improved data management, and Swiss-hosted infrastructure can reduce risk and cost. Request a demo to see how InvestGlass can tailor workflows to your policies and regulatory needs, safeguarding your institution and clients.
Глоссарий ключевых терминов и сокращений
- AML (Anti-Money Laundering): Laws and procedures to prevent disguising illicit funds as legitimate.
- CFT (Counter-Financing of Terrorism): Measures to stop terrorist financing via financial systems.
- KYC (Know Your Customer): Processes to verify identity and assess client risk.
- CDD (Customer Due Diligence): Identifying, verifying, and assessing customer risk.
- EDD (Enhanced Due Diligence): Additional scrutiny for high-risk customers.
- PEP (Politically Exposed Person): Individuals with prominent public roles, posing higher corruption risk.
- UBO (Ultimate Beneficial Owner): Natural persons owning or controlling legal entities.
- SAR (Suspicious Activity Report): Reports filed on suspicious activities.
- STR (Suspicious Transaction Report): Reports on suspicious transactions.
- FinCEN (Financial Crimes Enforcement Network): US AML/CFT regulatory agency.
- OFAC (Office of Foreign Assets Control): US Treasury sanctions enforcement office.
- SECO (State Secretariat for Economic Affairs): Swiss economic policy office managing sanctions.
- FATF (Financial Action Task Force): International AML/CFT standard-setting body.
- AMLA (Anti-Money Laundering Act): Swiss AML legislation.
- MROS (Швейцарское бюро по отчетности об отмывании денег): Швейцарское подразделение финансовой разведки.
- Three Lines Model: Governance framework dividing responsibilities among business, compliance, and audit.
Сопутствующие статьи
Swiss Sovereign CRM: Создано на базе ИИ.
Готов действовать.
