{"id":49232,"date":"2026-03-06T16:45:16","date_gmt":"2026-03-06T15:45:16","guid":{"rendered":"https:\/\/www.investglass.com\/customer-due-diligence-cdd-practical-guide-for-regulated-financial-institutions\/"},"modified":"2026-03-10T14:39:26","modified_gmt":"2026-03-10T13:39:26","slug":"duzenlemeye-tabi%cc%87-fi%cc%87nansal-kuruluslar-i%cc%87ci%cc%87n-musteri%cc%87-durum-tespi%cc%87ti%cc%87-cdd-uygulama-rehberi%cc%87","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/tr\/customer-due-diligence-cdd-practical-guide-for-regulated-financial-institutions\/","title":{"rendered":"M\u00fc\u015fteri Durum Tespiti (CDD): D\u00fczenlemeye Tabi Finansal Kurulu\u015flar i\u00e7in Pratik K\u0131lavuz"},"content":{"rendered":"<p class=\"wp-block-paragraph\">M\u00fc\u015fteri durum tespiti (CDD), finansal kurulu\u015flar\u0131n kara para aklamay\u0131 \u00f6nleme (AML) ve ter\u00f6rizmin finansman\u0131yla m\u00fccadele (CFT) riskini y\u00f6netmek ve mevzuata uygunlu\u011fu sa\u011flamak i\u00e7in m\u00fc\u015fterilerini tan\u0131mlad\u0131klar\u0131, do\u011frulad\u0131klar\u0131 ve anlad\u0131klar\u0131 sistematik bir s\u00fcre\u00e7tir. AML uyumlulu\u011fu, kurumlar\u0131n mali su\u00e7lar\u0131 \u00f6nlemesine ve yasal cezalardan ka\u00e7\u0131nmas\u0131na yard\u0131mc\u0131 olan m\u00fc\u015fteri durum tespitinin kritik bir bile\u015fenidir. Bu s\u00fcre\u00e7, k\u00fcresel olarak M\u00fc\u015fterini Tan\u0131 (KYC) \u00e7er\u00e7evelerinin temelini olu\u015fturur ve Mali Eylem G\u00f6rev G\u00fcc\u00fc (FATF) 40 Tavsiyesi (revize 2012) gibi standartlar ve Avrupa Birli\u011fi'nde <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/tr\/6-kara-para-aklama-i%cc%87le-mucadele-di%cc%87rekti%cc%87fi%cc%87-nedi%cc%87r\/\" target=\"_self\">6. Kara Para Aklaman\u0131n \u00d6nlenmesi Direktifleri<\/a>. M\u00fc\u015fteri durum tespiti, daha geni\u015f mali su\u00e7 uyum \u00e7er\u00e7evelerinin de \u00f6nemli bir par\u00e7as\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, bankalar, varl\u0131k y\u00f6neticileri, sigortac\u0131lar ve di\u011fer d\u00fczenlemeye tabi akt\u00f6rler i\u00e7in m\u00fc\u015fteri durum tespiti s\u00fcrecinin b\u00fcy\u00fck b\u00f6l\u00fcm\u00fcn\u00fc otomatikle\u015ftiren entegre, \u0130svi\u00e7re'de bar\u0131nd\u0131r\u0131lan bir platform sa\u011flar. Bu makale, d\u00fczenlemeye tabi ortamlarda \u00e7al\u0131\u015fan uyum, risk ve operasyon ekiplerine y\u00f6nelik pratik, ad\u0131m ad\u0131m bir genel bak\u0131\u015f sunmaktad\u0131r. CDD s\u00fcre\u00e7lerinde mevzuata uyum, doland\u0131r\u0131c\u0131l\u0131\u011f\u0131n \u00f6nlenmesi ve riskin azalt\u0131lmas\u0131 i\u00e7in titizlik \u00f6nemlidir. \u0130ster 2026'da yeni m\u00fc\u015fterileri i\u015fe al\u0131yor olun, ister ya\u015fam d\u00f6ng\u00fcleri boyunca devam eden m\u00fc\u015fteri ili\u015fkilerini y\u00f6netiyor olun, burada ele al\u0131nan ilkeler ve i\u015f ak\u0131\u015flar\u0131, i\u015f b\u00fcy\u00fcmesini desteklerken yasal gereklilikleri kar\u015f\u0131layan sa\u011flam bir CDD s\u00fcreci olu\u015fturman\u0131za yard\u0131mc\u0131 olacakt\u0131r.<\/p>\n\n\n\n<hr class=\"wp-block-separator\" \/>\n\n\n\n<h2 class=\"wp-block-heading\">M\u00fc\u015fteri Durum Tespiti (CDD) Nedir?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00fc\u015fteri durum tespiti (CDD), bir ger\u00e7ek veya t\u00fczel ki\u015finin kim oldu\u011funu, hangi ticari faaliyetleri y\u00fcr\u00fctt\u00fc\u011f\u00fcn\u00fc ve ne d\u00fczeyde mali su\u00e7 riski ta\u015f\u0131d\u0131\u011f\u0131n\u0131 anlamak amac\u0131yla, \u00f6zellikle kritik bir ad\u0131m olarak m\u00fc\u015fterinin kimli\u011finin do\u011frulanmas\u0131na vurgu yaparak, bu ki\u015fi hakk\u0131nda bilgi toplama, do\u011frulama ve de\u011ferlendirmeye y\u00f6nelik sistematik bir \u00f6zen g\u00f6sterme s\u00fcrecidir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">CDD, KYC ve AML\/CFT Aras\u0131ndaki \u0130li\u015fki<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">CDD, KYC ve AML\/CFT aras\u0131ndaki ili\u015fki, mali su\u00e7lara uyumun temelini olu\u015fturur:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>AML (Kara Para Aklamay\u0131 \u00d6nleme): Bu, su\u00e7lular\u0131n yasad\u0131\u015f\u0131 yollardan elde ettikleri fonlar\u0131 me\u015fru gelir olarak gizlemelerini \u00f6nlemeye y\u00f6nelik yasalar\u0131, d\u00fczenlemeleri ve prosed\u00fcrleri ifade eder.<\/li><li>CFT (Ter\u00f6rizmin Finansman\u0131yla M\u00fccadele): Ter\u00f6r\u00fcn finansman\u0131 i\u00e7in finansal sistemlerin kullan\u0131m\u0131n\u0131 tespit etmeye ve \u00f6nlemeye y\u00f6nelik tedbirleri i\u00e7erir.<\/li><li>KYC (M\u00fc\u015fterini Tan\u0131): CDD ve devam eden ili\u015fki y\u00f6netimini kapsayan daha geni\u015f \u00e7er\u00e7eve, kurumlar\u0131n m\u00fc\u015fterilerini tan\u0131mas\u0131n\u0131 ve izlemesini sa\u011flar.<\/li><li>CDD (Customer Due Diligence): KYC i\u00e7inde m\u00fc\u015fteri riskini belirlemeye, do\u011frulamaya ve de\u011ferlendirmeye odaklanan \u00f6zel s\u00fcre\u00e7.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Uygulamada, AML\/CFT d\u00fczenlemeleri finansal kurulu\u015flar\u0131n KYC programlar\u0131n\u0131 uygulamalar\u0131n\u0131 gerektirmekte ve bu programlar sa\u011flam CDD s\u00fcre\u00e7leri ile operasyonel hale getirilmektedir. Dolay\u0131s\u0131yla CDD, KYC'nin operasyonel \u00e7ekirde\u011fini olu\u015fturur ve her ikisi de AML\/CFT uyumlulu\u011fu i\u00e7in gereklidir.<\/p>\n\n\n\n<figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\">\n<tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>D\u00f6nem<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>Tan\u0131m<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>CDD<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>M\u00fc\u015fteri riskinin belirlenmesi, do\u011frulanmas\u0131 ve de\u011ferlendirilmesine ili\u015fkin \u00f6zel s\u00fcre\u00e7<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>KYC<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>CDD art\u0131 devam eden ili\u015fki y\u00f6netimini kapsayan daha geni\u015f \u00e7er\u00e7eve<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>AML<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>CDD gerekliliklerini zorunlu k\u0131lan kara para aklama kar\u015f\u0131t\u0131 d\u00fczenlemeler<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>CFT<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Ter\u00f6rizmin finansman\u0131 risklerinin belirlenmesini gerektiren ter\u00f6rizmin finansman\u0131yla m\u00fccadele kurallar\u0131<\/p><\/td><\/tr><\/tbody>\n<\/table>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Temel d\u00fczenleyici referanslar aras\u0131nda FATF 40 Tavsiyeleri ve Mali Su\u00e7lar\u0131 Uygulama A\u011f\u0131 (FinCEN) CDD Kural\u0131 (ABD'de 11 May\u0131s 2018'de y\u00fcr\u00fcrl\u00fc\u011fe girmi\u015ftir) yer almaktad\u0131r; bu kural, kapsam dahilindeki finansal kurulu\u015flar\u0131n durum tespitinin d\u00f6rt temel unsurunu uygulamas\u0131n\u0131 gerektirmektedir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Tipik CDD S\u00fcreci Unsurlar\u0131<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00fc\u015fteri durum tespiti s\u00fcreci tipik olarak \u015funlar\u0131 kapsar:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kimlik verileri (isim, do\u011fum tarihi, uyruk, adres)<\/li><li>Hissedarl\u0131k bilgileri<\/li><li>Fon kayna\u011f\u0131 ve servet kayna\u011f\u0131<\/li><li>Beklenen hesap etkinli\u011fi ve i\u015flem kal\u0131plar\u0131<\/li><li>Co\u011frafi ve sekt\u00f6rel maruziyet<\/li><li>Toplanan bilgilere dayanarak m\u00fc\u015fterinin risk profilinin de\u011ferlendirilmesi<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">CDD, m\u00fc\u015fterinin risk profiline ba\u011fl\u0131 olarak de\u011fi\u015fen derinlikte bireyler, \u015firketler, tr\u00f6stler, vak\u0131flar ve di\u011fer t\u00fczel ki\u015filer i\u00e7in ge\u00e7erlidir. \u0130svi\u00e7re'de \u00f6zen gereklilikleri, risk temelli kontrolleri ve kapsaml\u0131 dok\u00fcmantasyonu vurgulayan \u0130svi\u00e7re Kara Para Aklamay\u0131 \u00d6nleme Yasas\u0131 (AMLA) ve \u0130svi\u00e7re Finans Piyasas\u0131 Denetleme Kurumu (FINMA) y\u00f6netmelikleri taraf\u0131ndan \u015fekillendirilmektedir. Kapsaml\u0131 bir \u00f6zenli m\u00fc\u015fteri yakla\u015f\u0131m\u0131 a\u015fa\u011f\u0131dakilerin her ikisini de i\u00e7erir <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/tr\/ki%cc%87mli%cc%87k-dogrulama-nedi%cc%87r-ve-nasil-calisir\/\" target=\"_self\">ki\u0307mli\u0307k do\u011frulama<\/a> ve uyumluluk ve etkin risk y\u00f6netimi sa\u011flamak i\u00e7in risk profili olu\u015fturma.<\/p>\n\n\n\n<hr class=\"wp-block-separator\" \/>\n\n\n\n<h2 class=\"wp-block-heading\">Finansal Kurumlar i\u00e7in M\u00fc\u015fteri Durum Tespiti Neden \u00d6nemlidir?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">2015 ve 2024 y\u0131llar\u0131 aras\u0131nda k\u00fcresel AML cezalar\u0131 $20 milyar\u0131 a\u015fm\u0131\u015ft\u0131r. Sadece Danske Bank skandal\u0131, Estonya \u015fubesi arac\u0131l\u0131\u011f\u0131yla ger\u00e7ekle\u015fen $230 milyarl\u0131k \u015f\u00fcpheli ak\u0131\u015fa ili\u015fkin yetersiz CDD ile ilgili $2 milyar cezay\u0131 i\u00e7eriyordu. Credit Suisse, bankan\u0131n 2023'teki nihai \u00e7\u00f6k\u00fc\u015f\u00fcne katk\u0131da bulunan tekrarlanan AML ihmalleri nedeniyle 2022'de $475 milyon FINMA cezas\u0131 ile kar\u015f\u0131 kar\u015f\u0131ya kald\u0131. M\u00fc\u015fteri durum tespiti s\u0131ras\u0131nda ilgili risklerin de\u011ferlendirilmemesi, finansal kurulu\u015flar i\u00e7in ciddi d\u00fczenleyici cezalara ve itibar kayb\u0131na neden olabilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Etkin CDD ile \u00d6nlenen Mali Su\u00e7lar<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Etkili m\u00fc\u015fteri durum tespiti, a\u015fa\u011f\u0131dakiler de dahil olmak \u00fczere mali su\u00e7lar\u0131n \u00f6nlenmesine yard\u0131mc\u0131 olur:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kara para aklama (Birle\u015fmi\u015f Milletler rakamlar\u0131na g\u00f6re y\u0131ll\u0131k $800 milyar ila $2 trilyon aras\u0131nda oldu\u011fu tahmin edilmektedir)<\/li><li>Ter\u00f6rizmin finansman\u0131 ve ter\u00f6rizmin finansman kanallar\u0131<\/li><li>Yapt\u0131r\u0131mlardan ka\u00e7\u0131nma<\/li><li>Doland\u0131r\u0131c\u0131l\u0131k ve yolsuzluk<\/li><li>Vergi Ka\u00e7ak\u00e7\u0131l\u0131\u011f\u0131<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Mevzuattan Kaynaklanan Riskler<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Uyumsuzlu\u011fun sonu\u00e7lar\u0131 para cezalar\u0131n\u0131n \u00e7ok \u00f6tesine uzanmaktad\u0131r:<\/p>\n\n\n\n<figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\">\n<tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>Risk Kategorisi<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>Potansiyel Sonu\u00e7lar<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0130dari<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Y\u0131ll\u0131k cironun 10%'sine kadar para cezalar\u0131 (AB AMLD'leri), iyile\u015ftirme emirleri<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Kriminal<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>6AMLD kapsam\u0131nda \u00fcst d\u00fczey y\u00f6neticiler i\u00e7in ki\u015fisel sorumluluk<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Operasyonel<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Lisans k\u0131s\u0131tlamalar\u0131, muhabir bankac\u0131l\u0131k ili\u015fkilerinin kayb\u0131<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0130tibar<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>M\u00fc\u015fteri g\u00f6\u00e7\u00fc, not indirimleri, artan medya incelemesi<\/p><\/td><\/tr><\/tbody>\n<\/table>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Danske Bank sonras\u0131nda, kar\u015f\u0131 taraflar\u0131n zay\u0131f kontrollere sahip kurumlara olan risklerini azaltmas\u0131 nedeniyle \u0130skandinav bankalar\u0131 y\u00fcksek riskli ili\u015fkilerinin 20-30%'sini kaybetmi\u015ftir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Sa\u011flam CDD'nin Stratejik Faydalar\u0131<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130\u015fletmeleri yasal cezalardan koruman\u0131n \u00f6tesinde, sa\u011flam CDD stratejik de\u011fer sa\u011flar:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>M\u00fc\u015fteri profillerinin ve ihtiya\u00e7lar\u0131n\u0131n daha iyi anla\u015f\u0131lmas\u0131<\/li><li>Geli\u015ftirilmi\u015f m\u00fc\u015fteri segmentasyonu ve \u00e7apraz sat\u0131\u015f (McKinsey \u00e7al\u0131\u015fmalar\u0131na g\u00f6re 15-20% gelir art\u0131\u015f\u0131)<\/li><li>Daha bilin\u00e7li risk bazl\u0131 fiyatland\u0131rma<\/li><li>\u015eeffafl\u0131k \u00fczerine kurulu geli\u015fmi\u015f m\u00fc\u015fteri ili\u015fkileri<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, her a\u015famada ger\u00e7ekle\u015ftirilen CDD'yi kan\u0131tlayan \u015feffaf denetim izleri arac\u0131l\u0131\u011f\u0131yla hem tutarl\u0131 i\u015f ak\u0131\u015flar\u0131 yoluyla uyum riskini hem de itibar riskini azaltmaya yard\u0131mc\u0131 olur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Ge\u00e7i\u015f: CDD'nin \u00f6neminin anla\u015f\u0131lmas\u0131, finansal kurulu\u015flar\u0131n uygulamas\u0131 gereken farkl\u0131 t\u00fcrdeki durum tespiti tedbirlerinin incelenmesine zemin haz\u0131rlar. Bir sonraki b\u00f6l\u00fcmde bu temel t\u00fcrler ve pratikte nas\u0131l uyguland\u0131klar\u0131 \u00f6zetlenmektedir.<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator\" \/>\n\n\n\n<h2 class=\"wp-block-heading\">M\u00fc\u015fteri Durum Tespitinin Temel T\u00fcrleri<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Finansal kurulu\u015flar, FATF k\u0131lavuzunda ve AB AMLD'lerinde belirtildi\u011fi gibi, k\u00fcresel olarak \u00fc\u00e7 ana durum tespiti \u00f6nlemi kullanmaktad\u0131r. Uygulanan CDD t\u00fcr\u00fc, m\u00fc\u015fterinin risk profiline ve i\u015f ili\u015fkisinin niteli\u011fine ba\u011fl\u0131d\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">CDD T\u00fcrlerine Genel Bak\u0131\u015f<\/h3>\n\n\n\n<figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\">\n<tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>CDD Tipi<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>A\u00e7\u0131klama<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>Uyguland\u0131\u011f\u0131nda<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Standart CDD<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>D\u00fc\u015f\u00fck ve orta riskli m\u00fc\u015fteriler i\u00e7in temel \u00f6nlemler<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u00c7o\u011fu m\u00fc\u015fteri basit profillere sahip<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Geli\u015ftirilmi\u015f Durum Tespiti (EDD)<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Y\u00fcksek risk senaryolar\u0131 i\u00e7in daha derin inceleme (\u00f6rne\u011fin, PEP'ler, y\u00fcksek riskli yarg\u0131 b\u00f6lgeleri)<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Y\u00fcksek riskli m\u00fc\u015fteriler veya karma\u015f\u0131k yap\u0131lar<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Basitle\u015ftirilmi\u015f\/Devam Eden Durum Tespiti<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0130hmal edilebilir risk veya s\u00fcrekli izleme i\u00e7in kolayla\u015ft\u0131r\u0131lm\u0131\u015f \u00f6nlemler<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>D\u00fc\u015f\u00fck riskli veya devam eden ili\u015fkiler<\/p><\/td><\/tr><\/tbody>\n<\/table>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Kurumlar, uyumluluk ve etkili risk y\u00f6netimi sa\u011flamak i\u00e7in i\u015fe al\u0131m s\u0131ras\u0131nda her bir potansiyel m\u00fc\u015fterinin risk profilini de\u011ferlendirmelidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kurumlar, m\u00fc\u015fterileri a\u015fa\u011f\u0131dakileri i\u00e7eren risk fakt\u00f6rlerine g\u00f6re s\u0131n\u0131fland\u0131r\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>PEP stat\u00fcs\u00fc (siyasi olarak maruz kalan ki\u015filer, kamu g\u00f6revi olan ki\u015filer, yolsuzluk riskini art\u0131ran ki\u015filer)<\/li><li>FATF gri\/kara listelerinde bulunma veya y\u00fcksek riskli yarg\u0131 yetkisine maruz kalma<\/li><li>Karma\u015f\u0131k kurumsal yap\u0131lar<\/li><li>Ola\u011fand\u0131\u015f\u0131 i\u015flem profilleri veya olumsuz medya bulgular\u0131<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Kontrollerin derinli\u011fi ve s\u0131kl\u0131\u011f\u0131, belge toplama ve onay gereksinimleri, risk seviyesi d\u00fc\u015f\u00fckten y\u00fckse\u011fe do\u011fru ilerledik\u00e7e artar. InvestGlass, her CDD t\u00fcr\u00fc ve risk band\u0131 i\u00e7in farkl\u0131 i\u015f ak\u0131\u015flar\u0131n\u0131n ve alan gereksinimlerinin yap\u0131land\u0131r\u0131lmas\u0131na izin verir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Standart M\u00fc\u015fteri Durum Tespiti<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Standart CDD, \u00f6rne\u011fin d\u00fc\u015f\u00fck riskli \u00fclkelerde ikamet eden ve basit istihdam veya ticari faaliyetlere sahip olanlar gibi a\u00e7\u0131k\u00e7a y\u00fcksek riskli olmayan \u00e7o\u011fu m\u00fc\u015fteriye uygulanan temel seviye olarak hizmet vermektedir.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Bireyler i\u00e7in Temel Unsurlar<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pasaport veya ulusal kimlik ile kimlik tespiti<\/li><li>G\u00fcvenilir, ba\u011f\u0131ms\u0131z kaynaklar kullan\u0131larak do\u011frulama<\/li><li>\u0130li\u015fkinin amac\u0131 ve hedeflenen do\u011fas\u0131 hakk\u0131nda temel anlay\u0131\u015f<\/li><li>M\u00fc\u015fterinin faaliyetlerinin beklenen davran\u0131\u015f ve risk profili ile uyumlu olmas\u0131n\u0131 sa\u011flamak i\u00e7in s\u00fcrekli izlenmesi<\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">T\u00fczel Ki\u015fi M\u00fc\u015fteriler i\u00e7in Temel Unsurlar<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Yasal isim, kay\u0131t numaras\u0131, kay\u0131tl\u0131 adres<\/li><li>Y\u00f6neticiler ve e\u015fi\u011fin \u00fczerindeki hissedarl\u0131k (FinCEN CDD Kural\u0131 ve AB rejimleri kapsam\u0131nda tipik olarak 25% intifa hakk\u0131 sahipli\u011fi)<\/li><li>Kurulu\u015fun amac\u0131 ve beklenen faaliyetler<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Standart CDD, kontrol listeleri ve formlar kullan\u0131larak tutarl\u0131 bir \u015fekilde belgelenmeli, manuel hatalar\u0131 ve eksik verileri \u00f6nlemek i\u00e7in ideal olarak CRM i\u00e7inde dijitalle\u015ftirilmelidir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Geli\u015ftirilmi\u015f Durum Tespiti (EDD)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Geli\u015ftirilmi\u015f durum tespiti (EDD) y\u00fcksek riskli m\u00fc\u015fterilere daha derin bir inceleme uygular:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Siyasi olarak a\u00e7\u0131\u011fa \u00e7\u0131km\u0131\u015f ki\u015filer (PEP'ler) ve aileleri\/ortaklar\u0131<\/li><li>Y\u00fcksek riskli yarg\u0131 b\u00f6lgelerinden m\u00fc\u015fteriler (AB y\u00fcksek riskli \u00fc\u00e7\u00fcnc\u00fc \u00fclke listesi, FATF gri listesi)<\/li><li>Y\u00fcksek riskli sekt\u00f6rler: kumarhaneler, sanal varl\u0131klar, muhabir bankac\u0131l\u0131k<\/li><li>Karma\u015f\u0131k yap\u0131lar: offshore tr\u00f6stler, katmanl\u0131 holding \u015firketleri<\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Ek EDD Ad\u0131mlar\u0131<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ayr\u0131nt\u0131l\u0131 fon kayna\u011f\u0131 ve servet kayna\u011f\u0131 belgelerinin al\u0131nmas\u0131<\/li><li>Do\u011frulay\u0131c\u0131 kan\u0131tlar (denetlenmi\u015f hesaplar, sat\u0131\u015f s\u00f6zle\u015fmeleri, miras belgeleri)<\/li><li>Kapsaml\u0131 advers medya taramas\u0131<\/li><li>\u00dcst y\u00f6netim veya uyumluluk onay\u0131<\/li><li>Daha s\u0131k g\u00f6zden ge\u00e7irme d\u00f6ng\u00fcleri (y\u0131ll\u0131k veya \u00fc\u00e7 ayl\u0131k)<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, risk puanlamas\u0131na dayal\u0131 EDD tetikleyicilerini otomatikle\u015ftirebilir, \u00f6rne\u011fin bir PEP veya yapt\u0131r\u0131m uygulanan \u00fclke tespit edildi\u011finde otomatik y\u00fckseltme yapabilir ve vakalar\u0131 yap\u0131land\u0131r\u0131labilir onay i\u015f ak\u0131\u015flar\u0131 arac\u0131l\u0131\u011f\u0131yla y\u00f6nlendirebilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Devam Eden ve Olay Odakl\u0131 Durum Tespiti<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">CDD \u201cbir kez yap\u0131l\u0131p bitirilen\u201d bir uygulama de\u011fildir. Devam eden CDD, m\u00fc\u015fteri ya\u015fam d\u00f6ng\u00fcs\u00fc boyunca i\u015flemlerin, davran\u0131\u015flar\u0131n ve harici verilerin s\u00fcrekli izlenmesini i\u00e7erir.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Devam Eden Durum Tespiti \u015eunlar\u0131 \u0130\u00e7erir<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Beklenen modellere kar\u015f\u0131 i\u015flem izleme<\/li><li>G\u00fcncellenmi\u015f yapt\u0131r\u0131mlar, PEP ve olumsuz medya listelerine kar\u015f\u0131 yeniden tarama<\/li><li>Risk derecelendirmesine dayal\u0131 periyodik incelemeler<\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Olay Odakl\u0131 \u0130ncelemeler \u015eunlar Taraf\u0131ndan Tetiklenir<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0130\u015flem hacminde ani art\u0131\u015flar (profilden 20-50% sapmalar)<\/li><li>\u0130kametgah\u0131n daha y\u00fcksek riskli bir yarg\u0131 b\u00f6lgesine de\u011fi\u015ftirilmesi<\/li><li>Kurumsal m\u00fc\u015fterilerde liderlik de\u011fi\u015fiklikleri<\/li><li>Karma\u015f\u0131k yeni g\u00f6revlerin devreye al\u0131nmas\u0131<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass'ta devam eden CDD, zamanlanm\u0131\u015f inceleme g\u00f6revleri, ola\u011fand\u0131\u015f\u0131 faaliyetler hakk\u0131nda otomatik uyar\u0131lar ve mevcut m\u00fc\u015fterilerin yenilenmi\u015f m\u00fc\u015fteri taramas\u0131 yoluyla uygulanabilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Ge\u00e7i\u015f: CDD t\u00fcrlerini anlad\u0131ktan sonra, uyumlu ve etkili bir CDD s\u00fcreci olu\u015fturman\u0131n temel unsurlar\u0131n\u0131 ve pratik ad\u0131mlar\u0131n\u0131 inceleyelim.<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator\" \/>\n\n\n\n<h2 class=\"wp-block-heading\">M\u00fc\u015fteri Durum Tespit S\u00fcrecinin Temel Unsurlar\u0131<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tipik CDD ya\u015fam d\u00f6ng\u00fcs\u00fc bu a\u015famalar\u0131 takip eder:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n\n<li>M\u00fc\u015fteri tan\u0131mlama<\/li>\n\n\n<li>Do\u011frulama<\/li>\n\n\n<li>Risk de\u011ferlendirmesi<\/li>\n\n\n<li>CDD seviyesine ili\u015fkin karar<\/li>\n\n\n<li>\u0130\u015fe alma karar\u0131<\/li>\n\n\n<li>S\u00fcrekli izleme ve g\u00f6zden ge\u00e7irme<\/li>\n\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Bu b\u00f6l\u00fcm, uyumluluk ve operasyon ekiplerinin dahili prosed\u00fcrlere ve kontrol listelerine uyarlayabilece\u011fi pratik bir plan sa\u011flar. InvestGlass, kurumlar\u0131n her bir unsuru yerle\u015fik denetim izleri ile yap\u0131land\u0131r\u0131labilir, otomatik i\u015f ak\u0131\u015flar\u0131na e\u015fle\u015ftirmesine olanak tan\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">M\u00fc\u015fteri Tan\u0131mlama<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Bireyler i\u00e7in, Toplay\u0131n:<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tam yasal ad<\/li><li>Do\u011fum tarihi ve yeri<\/li><li>Uyruk<\/li><li>\u0130kamet adresi<\/li><li>Vergi kimlik numaralar\u0131<\/li><li>\u0130leti\u015fim bilgileri<\/li><li>Meslek ve i\u015fveren<\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">T\u00fczel Ki\u015filer i\u00e7in, Toplay\u0131n:<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kay\u0131tl\u0131 isim ve kay\u0131t numaras\u0131<\/li><li>Kurulu\u015f tarihi ve kay\u0131tl\u0131 ofis<\/li><li>Yasal bi\u00e7im ve ama\u00e7<\/li><li>Direkt\u00f6rler listesi<\/li><li>H\u00e2kim hissedarlar ve <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/pl\/understanding-who-is-a-beneficial-owner-our-guide-to-rules-requirements\/\" target=\"_self\">intifa hakk\u0131 sahipleri<\/a><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6zel bankalar ve servet y\u00f6neticileri i\u00e7in, g\u00f6revin iste\u011fe ba\u011fl\u0131 veya dan\u0131\u015fmanl\u0131k olup olmad\u0131\u011f\u0131, aile ofisi yap\u0131lar\u0131 ve ilgili tr\u00f6stler veya vak\u0131flar gibi ili\u015fki ba\u011flam\u0131n\u0131 yakalamak kritik \u00f6neme sahiptir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/tr\/kurumsal-bankacilik-i%cc%87ci%cc%87n-di%cc%87ji%cc%87tal-i%cc%87se-alimin-opti%cc%87mi%cc%87ze-edi%cc%87lmesi%cc%87-en-i%cc%87yi%cc%87-uygulamalar-ve-temel-strateji%cc%87ler\/\" target=\"_self\">dijital i\u015fe al\u0131m<\/a> Formlar her segmente (bireysel bankac\u0131l\u0131k, HNWI'ler, kurumsal m\u00fc\u015fteriler, kamu sekt\u00f6r\u00fc) g\u00f6re uyarlanabilir ve \u0130ngilizce, Frans\u0131zca ve Almanca dahil olmak \u00fczere \u00e7ok dilli ak\u0131\u015flar\u0131 destekler.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">M\u00fc\u015fteri Do\u011frulama<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kimlik verileri, ili\u015fki kurulmadan \u00f6nce g\u00fcvenilir, ba\u011f\u0131ms\u0131z kaynaklar kullan\u0131larak do\u011frulanmal\u0131d\u0131r. Bu gereklilik, AB 5AMLD, \u0130svi\u00e7re AMLA ve Birle\u015fik Krall\u0131k MLR 2017 dahil olmak \u00fczere \u00e7o\u011fu AML rejiminde g\u00f6r\u00fclmektedir.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Bireyler i\u00e7in Do\u011frulama Y\u00f6ntemleri<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kontrol <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/tr\/bi%cc%87yometri%cc%87k-pasaport-nedi%cc%87r-faydalari-kullanim-alanlari-ve-guvenli%cc%87k-ozelli%cc%87kleri%cc%87\/\" target=\"_self\">biyometrik pasaportlar<\/a> veya ulusal kimlikler<\/li><li>Video tan\u0131mlama yoluyla canl\u0131l\u0131k kontrolleri ger\u00e7ekle\u015ftirme<\/li><li>G\u00fcvenilir veri tabanlar\u0131 veya elektrik faturalar\u0131 arac\u0131l\u0131\u011f\u0131yla adreslerin do\u011frulanmas\u0131<\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">\u015eirketler i\u00e7in Do\u011frulama Y\u00f6ntemleri<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Resmi \u015firket kay\u0131tlar\u0131 (\u0130svi\u00e7re Ticaret Sicili, Birle\u015fik Krall\u0131k \u015eirketler Evi, AB \u0130\u015fletme Kay\u0131tlar\u0131)<\/li><li>Onayl\u0131 kurulu\u015f belgeleri<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, kimlik do\u011frulamay\u0131 kolayla\u015ft\u0131rmak ve manuel belge incelemesini azaltmak i\u00e7in API arac\u0131l\u0131\u011f\u0131yla \u00fc\u00e7\u00fcnc\u00fc taraf e-kimlik, yapt\u0131r\u0131m ve kay\u0131t arama sa\u011flay\u0131c\u0131lar\u0131yla entegre olabilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hak Sahipli\u011fi ve Kontrol<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">FinCEN CDD Kural\u0131 (2018) ve 4AMLD ve 5AMLD'yi takiben Avrupa Birli\u011fi intifa hakk\u0131 kay\u0131t gereklilikleri nedeniyle intifa hakk\u0131 \u015feffafl\u0131\u011f\u0131na y\u00f6nelik d\u00fczenleyici odaklanma yo\u011funla\u015fm\u0131\u015ft\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Finansal kurulu\u015flar, genellikle 25%, bazen y\u00fcksek riskli durumlar i\u00e7in daha d\u00fc\u015f\u00fck olan tan\u0131mlanm\u0131\u015f e\u015fiklerin \u00fczerinde bir t\u00fczel ki\u015fili\u011fe nihai olarak sahip olan veya kontrol eden ger\u00e7ek ki\u015fileri belirlemelidir.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Karma\u015f\u0131k Yap\u0131larda Kar\u015f\u0131la\u015f\u0131lan Zorluklar<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00c7oklu sahiplik katmanlar\u0131<\/li><li>Aday hissedarlar<\/li><li>Kamu kay\u0131tlar\u0131n\u0131n s\u0131n\u0131rl\u0131 oldu\u011fu yarg\u0131 b\u00f6lgelerindeki tr\u00f6stler ve vak\u0131flar<\/li><li>Sekt\u00f6r ara\u015ft\u0131rmalar\u0131, \u00e7ok katmanl\u0131 UBO'lar\u0131n (Nihai Yarar Sahipleri) izlenmesinde 30-40% ba\u015far\u0131s\u0131zl\u0131k oranlar\u0131 g\u00f6stermektedir<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass veri modelleri \u00e7ok katmanl\u0131 sahiplik ve kontrol diyagramlar\u0131n\u0131 yakalayabilir ve denetimler ve d\u00fczenleyici talepleri i\u00e7in yap\u0131land\u0131r\u0131lm\u0131\u015f kay\u0131tlar tutabilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Risk Profili De\u011ferlendirmesi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Risk de\u011ferlendirmesinin amac\u0131, birden fazla girdiye dayal\u0131 olarak bir risk derecesi (d\u00fc\u015f\u00fck, orta, y\u00fcksek) atamakt\u0131r:<\/p>\n\n\n\n<figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\">\n<tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>Risk Fakt\u00f6r\u00fc<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u00d6rnekler<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>M\u00fc\u015fteri tipi<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>PEP stat\u00fcs\u00fc, kurumsal karma\u015f\u0131kl\u0131k<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Co\u011frafya<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Y\u00fcksek riskli \u00fclkeler, yapt\u0131r\u0131mlara maruz kalma<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u00dcr\u00fcnler<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>S\u0131n\u0131r \u00f6tesi \u00f6demeler, sanal varl\u0131klar<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Davran\u0131\u015f<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Emsal kar\u015f\u0131la\u015ft\u0131rmalara k\u0131yasla i\u015flem modelleri<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Harici veriler<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Yapt\u0131r\u0131m darbeleri, olumsuz medya<\/p><\/td><\/tr><\/tbody>\n<\/table>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Kantitatif skorlar ve kalitatif yarg\u0131lar bir risk puan kart\u0131nda birle\u015ftirilebilir. InvestGlass, puanlama modellerinin yap\u0131land\u0131r\u0131lmas\u0131na ve risk derecelendirmelerinin otomatik olarak hesaplanmas\u0131na, gerekti\u011finde gerek\u00e7elerin ge\u00e7ersiz k\u0131l\u0131nmas\u0131na ve kaydedilmesine olanak tan\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Uygun CDD Seviyesinin Belirlenmesi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kurumlar risk derecelendirmelerini pratik \u00f6zen \u00f6nlemlerine d\u00f6n\u00fc\u015ft\u00fcr\u00fcr:<\/p>\n\n\n\n<figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\">\n<tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>Risk Derecelendirmesi<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>CDD Seviyesi<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>Dok\u00fcmantasyon<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>Onay<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>D\u00fc\u015f\u00fck<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Basitle\u015ftirilmi\u015f<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Temel kimlik, adres belgesi<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Otomatik<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Orta<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Standart<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Tam dok\u00fcmantasyon seti<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>RM (\u0130li\u015fki Y\u00f6neticisi) imzas\u0131<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Y\u00fcksek<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Geli\u015ftirilmi\u015f<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>EDD paketi, zenginlik kayna\u011f\u0131<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>K\u0131demli\/Uygunluk onay\u0131<\/p><\/td><\/tr><\/tbody>\n<\/table>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">A\u00e7\u0131k, belgelenmi\u015f risk i\u015ftah\u0131 ve karar kurallar\u0131 tutars\u0131zl\u0131\u011f\u0131 azalt\u0131r ve m\u00fc\u015fteri kat\u0131l\u0131m\u0131n\u0131 h\u0131zland\u0131r\u0131r. InvestGlass'ta i\u015f ak\u0131\u015f\u0131 dallanma kurallar\u0131, atanan risk kategorisine ba\u011fl\u0131 olarak farkl\u0131 ad\u0131mlar, zorunlu alanlar ve kontroller uygular.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">S\u00fcrekli \u0130zleme ve Periyodik G\u00f6zden Ge\u00e7irme<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00fc\u015fterilerin s\u00fcrekli olarak izlenmesi, ola\u011fand\u0131\u015f\u0131 veya \u015f\u00fcpheli davran\u0131\u015flar\u0131 tespit etmek i\u00e7in i\u015flemlerin, kal\u0131plar\u0131n ve profil de\u011fi\u015fikliklerinin g\u00f6zlemlenmesini i\u00e7erir.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Periyodik \u0130nceleme S\u0131kl\u0131klar\u0131<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>D\u00fc\u015f\u00fck riskli m\u00fc\u015fteriler: her 3-5 y\u0131lda bir<\/li><li>Orta risk: 2-3 y\u0131lda bir<\/li><li>Y\u00fcksek risk: y\u0131lda bir veya daha s\u0131k<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6nemli jeopolitik olaylardan veya Yabanc\u0131 Varl\u0131klar Kontrol Ofisi (OFAC, ABD), Avrupa Birli\u011fi veya Ekonomik \u0130\u015fler Devlet Sekreterli\u011fi (SECO, \u0130svi\u00e7re) gibi kurumlardan gelen liste g\u00fcncellemelerinden sonra g\u00fcncellenmi\u015f yapt\u0131r\u0131mlar, PEP ve olumsuz medya listelerine kar\u015f\u0131 yeniden tarama yap\u0131lmas\u0131 \u015fartt\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass inceleme g\u00f6revlerini planlayabilir ve <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/tr\/etki%cc%87li%cc%87-i%cc%87li%cc%87ski%cc%87-yoneti%cc%87mi%cc%87-bankaciligi-i%cc%87ci%cc%87n-en-i%cc%87yi%cc%87-strateji%cc%87ler\/\" target=\"_self\">ili\u015fki y\u00f6neticileri<\/a> M\u00fc\u015fteri bilgileri eski oldu\u011funda ve d\u00fczenleyici kan\u0131tlar i\u00e7in t\u00fcm inceleme ad\u0131mlar\u0131n\u0131 ve sonu\u00e7lar\u0131n\u0131 kaydedin.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Eskalasyon ve \u015e\u00fcpheli Faaliyet Raporlama<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u015e\u00fcpheli i\u015flemler veya kal\u0131plar tespit edildi\u011finde, kurumlar potansiyel olarak \u0130svi\u00e7re Kara Para Aklama Raporlama Ofisi (MROS) veya ABD'deki FinCEN gibi ilgili Mali \u0130stihbarat Birimine sunulan \u015e\u00fcpheli Faaliyet Raporlar\u0131na (SAR'lar) veya \u015e\u00fcpheli \u0130\u015flem Raporlar\u0131na (STR'ler) yol a\u00e7an eskalasyon prosed\u00fcrlerini takip etmelidir.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Dahili Eskalasyon Ak\u0131\u015f\u0131<\/h4>\n\n\n\n<ol class=\"wp-block-list\">\n\n<li>\u00d6n ofis veya izleme ara\u00e7lar\u0131 endi\u015feleri i\u015faretler<\/li>\n\n\n<li>\u0130kinci basamak uygunluk vakay\u0131 g\u00f6zden ge\u00e7irir<\/li>\n\n\n<li>\u015e\u00fcpheli i\u015flemleri bildirme veya ili\u015fkiden \u00e7\u0131kma karar\u0131<\/li>\n\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Kapsaml\u0131 CDD kay\u0131tlar\u0131, belgeler, notlar, risk puanlar\u0131, kararlar\u0131 desteklemek ve yetkililerden gelen takip taleplerine yan\u0131t vermek i\u00e7in gereklidir. InvestGlass vaka dosyalar\u0131n\u0131 saklayabilir, belge ekleyebilir, kararlar\u0131 kaydedebilir ve gerekti\u011finde vaka y\u00f6netimi veya harici raporlama ara\u00e7lar\u0131yla entegre olabilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Ge\u00e7i\u015f: CDD'nin temel unsurlar\u0131 belirlendikten sonra, bu gereklilikleri k\u00fcresel ve b\u00f6lgesel olarak \u015fekillendiren d\u00fczenleyici \u00e7er\u00e7eveleri anlamak \u00f6nemlidir.<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator\" \/>\n\n\n\n<h2 class=\"wp-block-heading\">D\u00fczenleyici \u00c7er\u00e7eveler ve K\u00fcresel CDD Gereklilikleri<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bu b\u00f6l\u00fcm, uluslararas\u0131 faaliyet g\u00f6steren bankalar ve d\u00fczenlemeye tabi firmalar i\u00e7in CDD \u00f6zen gerekliliklerini \u015fekillendiren temel d\u00fczenlemelere k\u0131sa bir genel bak\u0131\u015f sunmaktad\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Terminoloji farkl\u0131 \u00fclkelerde farkl\u0131l\u0131k g\u00f6sterse de \u00e7o\u011fu rejim temel beklentileri payla\u015fmaktad\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>M\u00fc\u015fterileri belirleme ve do\u011frulama<\/li><li>\u0130ntifa hakk\u0131 sahiplerini anlay\u0131n<\/li><li>Risk temelli bir yakla\u015f\u0131m uygulay\u0131n<\/li><li>\u0130li\u015fkileri s\u00fcrekli olarak izleyin<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Birden fazla yarg\u0131 alan\u0131nda faaliyet g\u00f6steren kurumlar\u0131n genellikle grup \u00e7ap\u0131nda CDD standartlar\u0131n\u0131 uyumlu hale getirmesi gerekir. InvestGlass, \u00fclke veya t\u00fczel ki\u015filik ba\u015f\u0131na farkl\u0131 d\u00fczenleyici kural setlerini ve dok\u00fcmantasyon standartlar\u0131n\u0131 kodlayabilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">FATF Tavsiyeleri ve Uluslararas\u0131 Standartlar<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mali Eylem G\u00f6rev G\u00fcc\u00fc (FATF), CDD, PEP'ler ve intifa hakk\u0131 sahipli\u011fi \u015feffafl\u0131\u011f\u0131na ili\u015fkin temel ilkeler de dahil olmak \u00fczere 40 Tavsiye Karar\u0131 arac\u0131l\u0131\u011f\u0131yla k\u00fcresel AML\/CFT standartlar\u0131n\u0131 belirlemektedir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">FATF kar\u015f\u0131l\u0131kl\u0131 de\u011ferlendirmeleri, \u00fclkelerin CDD'yi ne kadar s\u0131k\u0131 uygulad\u0131klar\u0131n\u0131 ve denet\u00e7ilerin finansal kurulu\u015flar\u0131n s\u00fcre\u00e7lerini nas\u0131l incelediklerini etkilemektedir. \u0130svi\u00e7re'nin 2016 y\u0131l\u0131nda \u00f6zel bankac\u0131l\u0131k alan\u0131ndaki eksikliklerle \u2019b\u00fcy\u00fck \u00f6l\u00e7\u00fcde uyumlu\u201c olarak derecelendirilmesi, 2022 y\u0131l\u0131na kadar iyile\u015ftirmelerin takip edilmesini gerektirmi\u015ftir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">FATF, d\u00fc\u015f\u00fck riskli m\u00fc\u015fteriler i\u00e7in basitle\u015ftirilmi\u015f \u00f6nlemlere ve daha y\u00fcksek riskli durumlar i\u00e7in EDD'ye izin veren risk temelli bir yakla\u015f\u0131m\u0131 te\u015fvik eder. \u0130\u00e7 politikalar\u0131n FATF diliyle uyumlu hale getirilmesi s\u0131n\u0131r \u00f6tesi operasyonlar\u0131 ve denetim diyalo\u011funu kolayla\u015ft\u0131r\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Avrupa Birli\u011fi AML Direktifleri<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Avrupa Birli\u011fi, birbirini takip eden direktifler arac\u0131l\u0131\u011f\u0131yla CDD'yi a\u015famal\u0131 olarak g\u00fc\u00e7lendirmi\u015ftir:<\/p>\n\n\n\n<figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\">\n<tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>Y\u00f6nerge<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>Y\u0131l<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>Temel CDD Geli\u015ftirmeleri<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>4AMLD<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>2015<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Hissedarl\u0131k kay\u0131tlar\u0131, risk temelli yakla\u015f\u0131m<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>5AMLD<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>2018<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Geni\u015fletilmi\u015f PEP tan\u0131mlar\u0131, sanal varl\u0131klar, daha s\u0131k\u0131 EDD<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>6AMLD<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>2020<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u00dcst y\u00f6netim i\u00e7in cezai sorumluluk<\/p><\/td><\/tr><\/tbody>\n<\/table>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">AB AML Paketi ve Kara Para Aklamay\u0131 \u00d6nleme Kurumu (AMLA) kapsam\u0131nda planlanan tek AB AML kural kitab\u0131, \u00dcye Devletler aras\u0131ndaki y\u00fck\u00fcml\u00fcl\u00fckleri daha da uyumlu hale getirecektir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, yetki alan\u0131na \u00f6zg\u00fc alanlar\u0131 (AB ulusal tan\u0131mlay\u0131c\u0131lar\u0131, intifa hakk\u0131 sahipli\u011fi kay\u0131t kimlikleri) saklayabilir ve s\u0131n\u0131r \u00f6tesi tutarl\u0131l\u0131\u011f\u0131 destekleyebilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">ABD FinCEN M\u00fc\u015fteri Durum Tespiti Kural\u0131<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mali Su\u00e7lar\u0131 Uygulama A\u011f\u0131 (FinCEN) m\u00fc\u015fteri durum tespiti kural\u0131 11 May\u0131s 2018 tarihinde y\u00fcr\u00fcrl\u00fc\u011fe girmi\u015f ve kapsam dahilindeki finansal kurulu\u015flar i\u00e7in d\u00f6rt temel unsur belirlemi\u015ftir:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n\n<li>M\u00fc\u015fteri tan\u0131mlama ve do\u011frulama<\/li>\n\n\n<li>Ger\u00e7ek hak sahibinin belirlenmesi ve do\u011frulanmas\u0131 (25% e\u015fi\u011fi)<\/li>\n\n\n<li>\u0130li\u015fkilerin do\u011fas\u0131n\u0131 ve amac\u0131n\u0131 anlamak<\/li>\n\n\n<li>S\u00fcrekli izleme ve \u015f\u00fcpheli faaliyet raporlamas\u0131<\/li>\n\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Bu CDD kural\u0131, 2020 tarihli ABD Kara Para Aklamay\u0131 \u00d6nleme Yasas\u0131 ve 2024-2025 y\u0131llar\u0131 aras\u0131nda eri\u015filebilecek federal bir intifa hakk\u0131 veritaban\u0131 sunan Kurumsal \u015eeffafl\u0131k Yasas\u0131 gibi daha sonraki geli\u015fmelerle etkile\u015fim halindedir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, i\u015fe al\u0131m i\u015f ak\u0131\u015flar\u0131n\u0131 bu d\u00f6rt unsurla uyumlu hale getirebilir ve ABD \u015fubeleri veya i\u015ftirakleri i\u00e7in gereken intifa hakk\u0131 sahiplik bilgilerini yakalayabilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0130svi\u00e7re AMLA ve FINMA Beklentileri<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kara Para Aklamay\u0131 \u00d6nleme Yasas\u0131 (AMLA) ve FINMA Kara Para Aklamay\u0131 \u00d6nleme Y\u00f6netmeli\u011fi kapsam\u0131ndaki temel \u0130svi\u00e7re AML gereklilikleri \u015funlar\u0131 i\u00e7erir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>S\u00f6zle\u015fme taraflar\u0131n\u0131 ve ger\u00e7ek hak sahiplerini belirleme g\u00f6revleri<\/li><li>Y\u00fcksek riskli ili\u015fkiler i\u00e7in ekonomik arka plan\u0131n netle\u015ftirilmesi<\/li><li>Dok\u00fcmantasyon kalitesi ve ili\u015fki anlay\u0131\u015f\u0131na vurgu<\/li><li>\u00d6zellikle \u00f6zel bankac\u0131l\u0131k ve varl\u0131k y\u00f6netimi i\u00e7in risk temelli denetim<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130svi\u00e7re'nin veri koruma ve bankac\u0131l\u0131k gizlili\u011fine odaklanmas\u0131, CDD sistemlerinin s\u0131k\u0131 gizlilik ve veri egemenli\u011fini s\u00fcrd\u00fcrmesini gerektirir. InvestGlass bir \u0130svi\u00e7re <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/tr\/sovereign-ne-anlama-geliyor\/\" target=\"_self\">egemen<\/a> \u0130svi\u00e7re'de bar\u0131nd\u0131rma veya \u015firket i\u00e7i da\u011f\u0131t\u0131mlara sahip \u00e7\u00f6z\u00fcm, \u0130svi\u00e7re bankalar\u0131n\u0131 ve varl\u0131k y\u00f6neticilerini CDD y\u00fck\u00fcml\u00fcl\u00fcklerini veri gizlili\u011fi gereksinimleriyle dengelemede destekler.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Ge\u00e7i\u015f s\u00fcreci: D\u00fczenleyici \u00e7er\u00e7eveler standartlar\u0131 belirler, ancak pratik uygulama sekt\u00f6re g\u00f6re de\u011fi\u015fir. Bir sonraki b\u00f6l\u00fcmde CDD'nin farkl\u0131 finansal hizmetler ba\u011flamlar\u0131nda nas\u0131l uyguland\u0131\u011f\u0131 incelenmektedir.<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator\" \/>\n\n\n\n<h2 class=\"wp-block-heading\">Uygulamada M\u00fc\u015fteri Durum Tespiti: Bankalar, Varl\u0131k Y\u00f6neticileri ve Sigortac\u0131lar<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Temel CDD kavramlar\u0131 sekt\u00f6rler aras\u0131nda payla\u015f\u0131lsa da, vurgu i\u015f modeline, m\u00fc\u015fteri karma\u015f\u0131kl\u0131\u011f\u0131na ve i\u015flem hacimlerine g\u00f6re \u00f6nemli \u00f6l\u00e7\u00fcde farkl\u0131l\u0131k g\u00f6stermektedir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Bireysel ve Ticari Bankalar<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Cari hesaplar, tasarruflar, t\u00fcketici kredileri ve KOB\u0130 bankac\u0131l\u0131\u011f\u0131 i\u00e7in y\u00fcksek hacimli kat\u0131l\u0131m, darbo\u011fazlardan ka\u00e7\u0131nmak i\u00e7in kolayla\u015ft\u0131r\u0131lm\u0131\u015f dijital CDD gerektirir.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Temel Odak Alanlar\u0131<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Otomatikle\u015ftirilmi\u015f standart kimlik kontrolleri <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/tr\/pep-yaptirim-taramasi-2025-yilinda-fi%cc%87nansal-kuruluslar-i%cc%87ci%cc%87n-tam-uyum-rehberi%cc%87\/\" target=\"_self\">Yapt\u0131r\u0131mlar ve PEP taramas\u0131<\/a><\/li><li>\u00dcr\u00fcnlere (s\u0131n\u0131r \u00f6tesi \u00f6demeler, ticaret finansman\u0131) ve co\u011frafyaya dayal\u0131 risk puanlamas\u0131<\/li><li>Uyar\u0131lar\u0131n CDD risk yeniden de\u011ferlendirmelerine geri beslendi\u011fi i\u015flem izleme geri bildirim d\u00f6ng\u00fcleri<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass formlar\u0131 \u00f6nceden doldurabilir, \u00fcr\u00fcnler aras\u0131nda verileri yeniden kullanabilir ve d\u00fc\u015f\u00fck riskli m\u00fc\u015fteriler i\u00e7in minimum manuel m\u00fcdahale ile do\u011frudan i\u015flem yapabilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00d6zel Bankalar ve Varl\u0131k Y\u00f6neticileri<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Y\u00fcksek net de\u011ferli ve ultra y\u00fcksek net de\u011ferli m\u00fc\u015fteri yap\u0131lar\u0131, birden fazla yarg\u0131 alan\u0131ndaki holding \u015firketlerini, tr\u00f6stleri, vak\u0131flar\u0131 ve aile ofislerini i\u00e7erir. Sekt\u00f6r verileri, UHNW m\u00fc\u015fterilerinin 20-30%'sinin PEP ba\u011flant\u0131lar\u0131 oldu\u011funu g\u00f6stermektedir.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Temel Zorluklar<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>S\u0131n\u0131r \u00f6tesi ili\u015fkiler i\u00e7in yo\u011fun EDD beklentileri<\/li><li>Karma\u015f\u0131k portf\u00f6yler ve \u0131smarlama yat\u0131r\u0131m \u00fcr\u00fcnleri<\/li><li>M\u00fc\u015fteri deneyimini mevzuat titizli\u011fi ile dengelemek<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, CRM, portf\u00f6y y\u00f6netimi ve CDD'yi tek bir ortamda birle\u015ftirerek ili\u015fki y\u00f6neticilerinin platformdan ayr\u0131lmadan risk profillerine, KYC belgelerine ve yat\u0131r\u0131m verilerine eri\u015fmesini sa\u011flar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Sigorta, Varl\u0131k Y\u00f6netimi ve Di\u011fer D\u00fczenlenmi\u015f Sekt\u00f6rler<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Hayat sigortac\u0131lar\u0131, varl\u0131k y\u00f6neticileri, ba\u011f\u0131ms\u0131z mali dan\u0131\u015fmanlar ve emlak firmalar\u0131 da finans sekt\u00f6r\u00fc AML d\u00fczenlemeleriyle uyumlu CDD y\u00fck\u00fcml\u00fcl\u00fckleriyle kar\u015f\u0131 kar\u015f\u0131yad\u0131r.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Sekt\u00f6re \u00d6zg\u00fc Hususlar<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Potansiyel ML kanallar\u0131 olarak teslim de\u011feri olan hayat poli\u00e7eleri<\/li><li>Vekil d\u00fczenlemeleri olan yat\u0131r\u0131m fonlar\u0131<\/li><li>Hem al\u0131c\u0131lar\u0131n hem de hak sahiplerinin kimliklerinin belirlenmesini gerektiren m\u00fclk al\u0131mlar\u0131<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, standart CDD verilerinin yan\u0131 s\u0131ra poli\u00e7e numaralar\u0131, fon birimleri ve yetki detaylar\u0131 gibi ek verileri yakalayarak formlar\u0131 ve i\u015f ak\u0131\u015flar\u0131n\u0131 bu sekt\u00f6rlere g\u00f6re uyarlayabilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Ge\u00e7i\u015f: CDD'nin karma\u015f\u0131kl\u0131\u011f\u0131 artt\u0131k\u00e7a, teknoloji ve otomasyon gerekli hale gelmektedir. A\u015fa\u011f\u0131daki b\u00f6l\u00fcmde InvestGlass gibi RegTech \u00e7\u00f6z\u00fcmlerinin CDD s\u00fcre\u00e7lerini nas\u0131l kolayla\u015ft\u0131rd\u0131\u011f\u0131 ve geli\u015ftirdi\u011fi incelenmektedir.<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator\" \/>\n\n\n\n<h2 class=\"wp-block-heading\">Manuel CDD'den Otomatik CDD'ye: Teknoloji ve RegTech'in Rol\u00fc<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Geleneksel ka\u011f\u0131t tabanl\u0131, elektronik tabloya dayal\u0131 CDD s\u00fcre\u00e7leri \u00f6nemli bir operasyonel y\u00fck yaratmaktad\u0131r. Sekt\u00f6r ara\u015ft\u0131rmalar\u0131, manuel CDD'nin 40 g\u00fcnl\u00fck i\u015fe al\u0131m d\u00f6ng\u00fclerinde m\u00fc\u015fteri ba\u015f\u0131na yakla\u015f\u0131k $500'e mal oldu\u011funu g\u00f6stermektedir. Modern otomatik \u00e7\u00f6z\u00fcmler, basit vakalar i\u00e7in i\u015fe al\u0131m s\u00fcrecini 5 dakikan\u0131n alt\u0131na indirebilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Manuel CDD'nin Zorluklar\u0131<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Manuel kontroller artar:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0130\u015fe ba\u015flama s\u00fcresi ve m\u00fc\u015fteri teslimleri<\/li><li>Operasyonel maliyetler<\/li><li>Hata oranlar\u0131 ve d\u00fczenleyici risk<\/li><li>S\u0131n\u0131r \u00f6tesi m\u00fc\u015fterileri veya kurumsal hiyerar\u015fileri y\u00f6netme zorlu\u011fu<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, d\u00fczenlenmi\u015f ortamlar i\u00e7in \u00f6zel olarak tasarlanm\u0131\u015f bir \u0130svi\u00e7re RegTech ve WealthTech \u00e7\u00f6z\u00fcm\u00fcd\u00fcr.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Dijital Onboarding ve e-KYC<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a class=\"wpil_keyword_link\" href=\"https:\/\/www.investglass.com\/tr\/dijital-ise-alim\/\" target=\"_blank\" rel=\"noopener\" title=\"Dijital i\u015fe al\u0131m\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"6038\">Dijital i\u015fe al\u0131m<\/a> Yolculuklar, potansiyel m\u00fc\u015fterilerin CDD formlar\u0131n\u0131 \u00e7evrimi\u00e7i olarak doldurmas\u0131na, belge y\u00fcklemesine ve bir \u015fubeye gitmeden video veya otomatik e-kimlik kontrollerinden ge\u00e7mesine olanak tan\u0131r.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Dijital \u0130\u015fe Al\u0131m\u0131n Faydalar\u0131<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>M\u00fc\u015fteri t\u00fcr\u00fcne, \u00fclkeye veya risk g\u00f6stergelerine g\u00f6re sorular\u0131 g\u00f6steren veya gizleyen dinamik formlar<\/li><li>Azalt\u0131lm\u0131\u015f bini\u015f s\u00fcresi ve daha az b\u0131rakma<\/li><li>Geli\u015ftirilmi\u015f veri kalitesi<\/li><li>Toplanan verilerin a\u015fa\u011f\u0131 ak\u0131\u015fa an\u0131nda beslenmesi <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/tr\/yapay-zeka-destekli%cc%87-crm-ve-portfoy-yoneti%cc%87mi%cc%87ni%cc%87n-tanitimi\/\" target=\"_self\">CRM ve portf\u00f6y<\/a> sistemler<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, beyaz etiketli m\u00fc\u015fteri portallar\u0131n\u0131 ve dijital kat\u0131l\u0131m mod\u00fcllerini destekleyerek bankalar\u0131n ve varl\u0131k y\u00f6neticilerinin markal\u0131, uyumlu deneyimler sunmas\u0131na olanak tan\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Tarama ve Advers Medya \u0130zleme<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Otomatik tarama ara\u00e7lar\u0131 m\u00fc\u015fterileri s\u00fcrekli olarak kontrol eder:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Yapt\u0131r\u0131m listeleri (OFAC, AB, BM, SECO)<\/li><li>PEP veritabanlar\u0131 ve izleme listeleri<\/li><li>Olumsuz medya ve olumsuz haber kaynaklar\u0131<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Eski sistemlerde 95%'ye varan hatal\u0131 pozitifler \u00f6nemli bir sorun olmaya devam etmektedir. Yapay zeka ile geli\u015ftirilmi\u015f e\u015fle\u015ftirme mant\u0131\u011f\u0131, yanl\u0131\u015f pozitifleri 60-70% oran\u0131nda azaltabilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, \u00f6nde gelen tarama sa\u011flay\u0131c\u0131lar\u0131 ile entegre olabilir, e\u015fle\u015fme sonu\u00e7lar\u0131n\u0131 \u00e7ekebilir ve uyum ekiplerinin ayn\u0131 ekosistem i\u00e7inde uyar\u0131lar\u0131 d\u00fczenlemesine olanak tan\u0131r. Tarama, kararlar ve gerek\u00e7elerin zaman damgal\u0131 kay\u0131tlar\u0131, denetimler ve g\u00f6zetim tefti\u015fleri s\u0131ras\u0131nda CDD'yi kan\u0131tlar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0130\u015f Ak\u0131\u015f\u0131 Otomasyonu ve Vaka Y\u00f6netimi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yap\u0131land\u0131r\u0131labilir i\u015f ak\u0131\u015flar\u0131 a\u015fa\u011f\u0131dakileri i\u00e7eren ad\u0131mlar\u0131 d\u00fczenler:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Belge talepleri ve toplanmas\u0131<\/li><li>Onaylar ve eskalasyonlar<\/li><li>Risk puanlama hesaplamalar\u0131<\/li><li>Periyodik incelemeler ve d\u00fczeltme g\u00f6revleri<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Kural motorlar\u0131, y\u00fcksek riskli vakalar\u0131 otomatik olarak uyumlulu\u011fa y\u00f6nlendirebilir, tetikleyiciler tetiklendi\u011finde ek belgeler talep edebilir veya zorunlu alanlar tamamlanana kadar hesap a\u00e7\u0131lmas\u0131n\u0131 \u00f6nleyebilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, \u00f6n ofis, uyum ve arka ofis ekiplerini birbirine ba\u011flayan yerle\u015fik i\u015f ak\u0131\u015f\u0131 otomasyonu, g\u00f6rev y\u00f6netimi ve vaka izleme \u00f6zellikleri sunar. G\u00f6sterge tablolar\u0131 ve analizler, CDD darbo\u011fazlar\u0131n\u0131, eskiyen g\u00f6revleri ve m\u00fc\u015fteri taban\u0131ndaki genel risk da\u011f\u0131l\u0131m\u0131n\u0131 izler.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Varl\u0131k Y\u00f6netiminde Yapay Zeka Destekli CDD<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">YZ, CDD'de insan muhakemesini destekler, ancak onun yerini almaz:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Belge s\u0131n\u0131fland\u0131rma ve veri \u00e7\u0131karma (kimliklerde 90% do\u011frulu\u011fu)<\/li><li>Advers medya bulgular\u0131n\u0131n \u00f6zetlenmesi<\/li><li>\u0130stemci bildirimlerindeki tutars\u0131zl\u0131klar\u0131 vurgulama<\/li><li>Ola\u011fand\u0131\u015f\u0131 portf\u00f6y i\u015flemlerinin veya yetki de\u011fi\u015fikliklerinin belirlenmesi<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, d\u00f6ng\u00fc i\u00e7inde insan kontrolleri ve otomatik \u00f6nerilerin tam denetlenebilirli\u011fi ile d\u00fczenlenmi\u015f ortamlar i\u00e7in tasarlanm\u0131\u015f yapay zeka odakl\u0131 mod\u00fcller i\u00e7erir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Ge\u00e7i\u015f: Teknoloji bir kolayla\u015ft\u0131r\u0131c\u0131 olarak kullan\u0131ld\u0131\u011f\u0131nda, sa\u011flam bir CDD \u00e7er\u00e7evesi tasarlamak i\u00e7in net politikalar, prosed\u00fcrler ve y\u00f6neti\u015fim gerekir. Bir sonraki b\u00f6l\u00fcmde InvestGlass ile b\u00f6yle bir \u00e7er\u00e7evenin nas\u0131l olu\u015fturulaca\u011f\u0131 \u00f6zetlenmektedir.<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator\" \/>\n\n\n\n<h2 class=\"wp-block-heading\">InvestGlass ile Sa\u011flam Bir CDD \u00c7er\u00e7evesi Tasarlama<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kapsaml\u0131 bir CDD \u00e7er\u00e7evesi politika, s\u00fcre\u00e7, teknoloji ve insanlar\u0131 bir araya getirir ve bunlar\u0131n t\u00fcm\u00fc kurulu\u015fun risk i\u015ftah\u0131 ve mevzuat y\u00fck\u00fcml\u00fcl\u00fckleriyle uyumludur. Kurumlar \u00e7er\u00e7evelerini en az y\u0131lda bir kez veya \u00f6nemli mevzuat de\u011fi\u015fiklikleri meydana geldi\u011finde g\u00f6zden ge\u00e7irmelidir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Risk \u0130\u015ftah\u0131 ve CDD Politikalar\u0131n\u0131n Tan\u0131mlanmas\u0131<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Y\u00f6netim kurullar\u0131 ve \u00fcst y\u00f6netim, a\u015fa\u011f\u0131daki hususlar da dahil olmak \u00fczere kabul edilebilir risk seviyelerini tan\u0131mlamal\u0131d\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Y\u00fcksek riskli \u00fclkeler ve yarg\u0131 b\u00f6lgeleri<\/li><li>Hassas sekt\u00f6rler (kumar, sanal varl\u0131klar, silahlar)<\/li><li>Karma\u015f\u0131k \u00fcr\u00fcn tipleri<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Bu risk i\u015ftah\u0131, y\u00fcr\u00fcrl\u00fckteki d\u00fczenlemelerle uyumlu olan ve \u00f6rnekler, e\u015fikler ve karar kriterleri i\u00e7eren yaz\u0131l\u0131 CDD politikalar\u0131na d\u00f6n\u00fc\u015ft\u00fcr\u00fclmelidir. Politikalar ne zaman basitle\u015ftirilmi\u015f CDD, standart CDD ve EDD uygulanaca\u011f\u0131n\u0131 ve ne zaman i\u015ften \u00e7\u0131k\u0131laca\u011f\u0131n\u0131 veya i\u015fin reddedilece\u011fini belirtmelidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass bu kurallar\u0131 dijital i\u015f ak\u0131\u015flar\u0131na yerle\u015ftirebilir, b\u00f6ylece g\u00fcnl\u00fck kararlar otomatik olarak onaylanm\u0131\u015f politikalar\u0131 yans\u0131t\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Prosed\u00fcrlerin ve Kontrol Listelerinin Standartla\u015ft\u0131r\u0131lmas\u0131<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ayr\u0131nt\u0131l\u0131, role \u00f6zel prosed\u00fcrler ve CDD kontrol listeleri olu\u015fturmak, lokasyonlar ve i\u015f kollar\u0131 aras\u0131nda tutarl\u0131l\u0131k sa\u011flar:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bilgi talepleri i\u00e7in \u015fablonlar<\/li><li>Risk de\u011ferlendirme formlar\u0131<\/li><li>EDD dok\u00fcmantasyon gereklilikleri<\/li><li>Net asgari standartlar<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Standardizasyon, yeni personelin e\u011fitilmesini, dahili kalite incelemelerinin yap\u0131lmas\u0131n\u0131 ve d\u00fczenleyicilere kontrol g\u00f6sterilmesini kolayla\u015ft\u0131r\u0131r. InvestGlass bu kontrol listelerini \u00e7evrimi\u00e7i formlar ve g\u00f6rev listeleri olarak sunarak ka\u011f\u0131t veya statik elektronik tablolara olan ba\u011f\u0131ml\u0131l\u0131\u011f\u0131 azalt\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">E\u011fitim, K\u00fclt\u00fcr ve Y\u00f6neti\u015fim<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130lgili t\u00fcm personele y\u00f6nelik s\u00fcrekli e\u011fitim, CDD y\u00fck\u00fcml\u00fcl\u00fcklerini, k\u0131rm\u0131z\u0131 bayraklar\u0131 ve sistem kullan\u0131m\u0131n\u0131 kapsar ve y\u0131ll\u0131k tazeleme ve testlerle (80%+ ge\u00e7me oranlar\u0131 hedeflenir).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bir sorumluluk k\u00fclt\u00fcr\u00fc olu\u015fturmak, personelin misilleme korkusu olmadan endi\u015felerini dile getirme yetkisine sahip oldu\u011fu anlam\u0131na gelir. Y\u00f6neti\u015fim \u00fc\u00e7 hat modelini takip eder:<\/p>\n\n\n\n<figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\">\n<tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>Hat<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>Sorumluluk<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Birinci (\u0130\u015f)<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>CDD'yi y\u00fcr\u00fctmek, riskleri belirlemek<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0130kinci (Uyum)<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Denetleyin, tavsiyelerde bulunun, izleyin<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u00dc\u00e7\u00fcnc\u00fc (\u0130\u00e7 Denetim)<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Ba\u011f\u0131ms\u0131z g\u00fcvence<\/p><\/td><\/tr><\/tbody>\n<\/table>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass raporlama ve denetim \u00f6zellikleri, bu savunma hatlar\u0131n\u0131n performans\u0131 izlemesine ve g\u00f6zetimi kan\u0131tlamas\u0131na yard\u0131mc\u0131 olur.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Veri Kalitesi, Gizlilik ve \u0130svi\u00e7re Veri Egemenli\u011fi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Y\u00fcksek kaliteli, do\u011fru ve g\u00fcncel veriler etkili CDD, risk y\u00f6netimi ve d\u00fczenleyici raporlama i\u00e7in kritik \u00f6neme sahiptir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">AB GDPR ve revize edilmi\u015f \u0130svi\u00e7re Federal Veri Koruma Yasas\u0131 (nFADP) gibi yasalar kapsam\u0131ndaki veri koruma gereklilikleri \u015funlar\u0131 i\u00e7erir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ama\u00e7 s\u0131n\u0131rlamas\u0131<\/li><li>Veri minimizasyonu<\/li><li>S\u0131n\u0131r \u00f6tesi transfer k\u0131s\u0131tlamalar\u0131<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130svi\u00e7re veri egemenli\u011fi kayg\u0131lar\u0131, m\u00fc\u015fteri verilerini \u0130svi\u00e7re yarg\u0131 yetkisi dahilinde tutmay\u0131 tercih eden veya tutmas\u0131 gereken bankalar ve varl\u0131k y\u00f6neticileri i\u00e7in son derece \u00f6nemlidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, \u0130svi\u00e7re'de bar\u0131nd\u0131r\u0131lan veya \u015firket i\u00e7i da\u011f\u0131t\u0131mlar sunarak kurumlar\u0131n m\u00fc\u015fteri verilerinin konumu ve eri\u015fimi \u00fczerindeki kontrol\u00fc korurken CDD y\u00fck\u00fcml\u00fcl\u00fcklerini yerine getirmelerini sa\u011flar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">CDD'nin Maliyetinin ve Karma\u015f\u0131kl\u0131\u011f\u0131n\u0131n Azalt\u0131lmas\u0131<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bir\u00e7ok kurum artan CDD i\u015f y\u00fck\u00fc, artan mevzuat beklentileri ve k\u0131s\u0131tl\u0131 b\u00fct\u00e7elerle kar\u015f\u0131 kar\u015f\u0131yad\u0131r. CDD operasyonlar\u0131, b\u00fcy\u00fck kurumlarda uyum b\u00fct\u00e7elerinin 5-10%'sini t\u00fcketebilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Otomasyon ve s\u00fcre\u00e7lerin yeniden tasarlanmas\u0131na y\u00f6nelik stratejik yat\u0131r\u0131mlar, kaliteyi art\u0131r\u0131rken m\u00fc\u015fteri ba\u015f\u0131na maliyeti \u00f6nemli \u00f6l\u00e7\u00fcde azaltabilir.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u0130\u015fe Al\u0131m ve \u0130nceleme D\u00f6ng\u00fclerinin Kolayla\u015ft\u0131r\u0131lmas\u0131<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00fc\u015fteri verilerinin ve belgelerinin merkezile\u015ftirilmesi, departmanlar ve i\u015f birimleri aras\u0131ndaki m\u00fckerrer \u00e7abalar\u0131 ortadan kald\u0131r\u0131r. Avantajlar \u015funlar\u0131 i\u00e7erir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00dcr\u00fcn y\u00fckseltmeleri, \u00e7apraz sat\u0131\u015f ve periyodik g\u00f6zden ge\u00e7irmeler s\u0131ras\u0131nda do\u011frulanm\u0131\u015f verilerin yeniden kullan\u0131lmas\u0131<\/li><li>S\u00fcresi dolan belgeler i\u00e7in otomatik hat\u0131rlatma olu\u015fturma (pasaportlar, \u015firket kay\u0131tlar\u0131)<\/li><li>Azalt\u0131lm\u0131\u015f i\u015fe al\u0131m d\u00f6n\u00fc\u015f s\u00fcresi<\/li><li>M\u00fc\u015fterilerle daha az ileri geri etkile\u015fim<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, CRM, onboarding, KYC, portf\u00f6y y\u00f6netimi ve m\u00fc\u015fteri portal\u0131 i\u015flevlerini birle\u015ftirerek maliyeti ve riski art\u0131ran par\u00e7al\u0131 sistemlerden ka\u00e7\u0131n\u0131r.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Yanl\u0131\u015f Pozitiflerin ve Manuel \u0130ncelemelerin Azalt\u0131lmas\u0131<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">K\u00f6t\u00fc ayarlanm\u0131\u015f tarama ara\u00e7lar\u0131 a\u015f\u0131r\u0131 yanl\u0131\u015f pozitifler \u00fcreterek uyumluluk kaynaklar\u0131n\u0131 t\u00fcketir ve onaylar\u0131 yava\u015flat\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">G\u00fcr\u00fclt\u00fcy\u00fc azaltma stratejileri:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Risk temelli e\u015fikler<\/li><li>Bulan\u0131k e\u015fle\u015ftirme kalibrasyonu<\/li><li>Bilinen varl\u0131klar\u0131 beyaz listeye alma<\/li><li>M\u00fc\u015fteri segmentasyonu<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass entegrasyonlar\u0131 ve i\u015f ak\u0131\u015f\u0131 \u00f6zellikleri, uyar\u0131lar\u0131n \u00f6nceliklendirilmesine, ba\u011flamsal bilgilerle zenginle\u015ftirilmesine ve yaln\u0131zca ilgili vakalar\u0131n insan incelemesine y\u00f6nlendirilmesine yard\u0131mc\u0131 olur. \u0130lk kat\u0131l\u0131mda daha iyi CDD veri kalitesi, do\u011frudan daha az yanl\u0131\u015f pozitif sonuca yol a\u00e7ar.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">S\u00fcrekli \u0130yile\u015ftirme i\u00e7in Analitikten Yararlanma<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">CDD s\u00fcre\u00e7lerine ili\u015fkin analizler, s\u00fcre\u00e7lerin yeniden tasarlanmas\u0131 ve e\u011fitim \u00f6ncelikleri hakk\u0131nda bilgi verir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>SLA ba\u011fl\u0131l\u0131k takibi<\/li><li>Eksik bilgi oran\u0131<\/li><li>EDD art\u0131\u015f\u0131n\u0131n en \u00f6nemli nedenleri<\/li><li>Portf\u00f6yler, co\u011frafyalar ve segmentler genelinde risk e\u011filimleri<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass g\u00f6sterge tablolar\u0131, uyum ve y\u00f6netim ekiplerinin temel CDD metriklerini g\u00f6rselle\u015ftirmesine ve m\u00fcnferit vakalar\u0131 detayland\u0131rmas\u0131na olanak tan\u0131r. CDD'yi sadece yasal bir zorunluluk olarak de\u011fil, stratejik bir veri varl\u0131\u011f\u0131 olarak ele almak, kurumlar\u0131n m\u00fc\u015fteri tabanlar\u0131yla ilgili bilgileri de\u011ferlendirmelerini ve b\u00fcy\u00fcme f\u0131rsatlar\u0131n\u0131 belirlemelerini sa\u011flar.<\/p>\n\n\n\n<hr class=\"wp-block-separator\" \/>\n\n\n\n<h2 class=\"wp-block-heading\">Sonu\u00e7: InvestGlass ile S\u00fcrd\u00fcr\u00fclebilir, Uyumlu CDD Olu\u015fturma<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00fc\u015fteri durum tespiti, g\u00fc\u00e7l\u00fc politikalar, do\u011fru veriler ve etkili teknoloji gerektiren, devam eden, risk temelli bir s\u00fcre\u00e7tir. D\u00fcnya \u00e7ap\u0131ndaki d\u00fczenleyiciler, kurumlar\u0131n yaln\u0131zca yaz\u0131l\u0131 politikalar de\u011fil, ayn\u0131 zamanda t\u00fcm m\u00fc\u015fteri ya\u015fam d\u00f6ng\u00fcs\u00fc boyunca tutarl\u0131 uygulama, kan\u0131t ve etkili g\u00f6zetim g\u00f6stermelerini beklemektedir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Riskler a\u00e7\u0131kt\u0131r: CDD'si zay\u0131f olan kurumlar yasal para cezalar\u0131, itibar kayb\u0131 ve kritik bankac\u0131l\u0131k ili\u015fkilerinin kayb\u0131 ile kar\u015f\u0131 kar\u015f\u0131yad\u0131r. Sa\u011flam, iyi y\u00f6netilen \u00e7er\u00e7evelere sahip olanlar, daha derin ve daha k\u00e2rl\u0131 m\u00fc\u015fteri ili\u015fkileri kurarken i\u015fletmeleri mali su\u00e7lardan korur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, CRM, dijital onboarding, KYC\/CDD, portf\u00f6y y\u00f6netimi ve portf\u00f6y y\u00f6netimini birle\u015ftiren bir \u0130svi\u00e7re egemen platformu sunar. <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/tr\/bankalarda-pazarlama-alaninda-yapay-zekanin-donusturucu-uygulamalari\/\" target=\"_self\">bankalar i\u0307\u00e7i\u0307n pazarlama otomasyonu<\/a>, varl\u0131k y\u00f6neticileri, sigortac\u0131lar ve di\u011fer d\u00fczenlenmi\u015f akt\u00f6rler. \u0130svi\u00e7re veri egemenli\u011fi, yap\u0131land\u0131r\u0131labilir i\u015f ak\u0131\u015flar\u0131 ve entegre uyumluluk \u00e7al\u0131\u015fmalar\u0131 ile InvestGlass, kurumlar\u0131n operasyonel maliyetleri azalt\u0131rken uyumlulu\u011fu sa\u011flamalar\u0131na yard\u0131mc\u0131 olur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">CDD operasyonlar\u0131n\u0131z\u0131 d\u00f6n\u00fc\u015ft\u00fcrmeye haz\u0131r m\u0131s\u0131n\u0131z? Mevcut s\u00fcre\u00e7lerinizi bu k\u0131lavuzda a\u00e7\u0131klanan \u00e7er\u00e7eveye g\u00f6re de\u011ferlendirin ve otomasyon, daha iyi veri y\u00f6netimi ve Swiss-hosted altyap\u0131s\u0131n\u0131n riskleri azaltabilece\u011fi ve maliyetleri d\u00fc\u015f\u00fcrebilece\u011fi noktalar\u0131 g\u00f6z \u00f6n\u00fcnde bulundurun. InvestGlass'\u0131n \u00f6zel CDD politikalar\u0131n\u0131z\u0131 ve d\u00fczenleyici ortam\u0131n\u0131z\u0131, kurumunuzu koruyan ve m\u00fc\u015fterilerinize hizmet veren yap\u0131land\u0131r\u0131labilir, denetlenebilir i\u015f ak\u0131\u015flar\u0131na nas\u0131l e\u015fleyebilece\u011fine dair bir tan\u0131t\u0131m talep edin.<\/p>\n\n\n\n<hr class=\"wp-block-separator\" \/>\n\n\n\n<h2 class=\"wp-block-heading\">Anahtar Terimler ve K\u0131saltmalar S\u00f6zl\u00fc\u011f\u00fc<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>AML (Kara Para Aklamay\u0131 \u00d6nleme): Bunlar, yasad\u0131\u015f\u0131 yollardan elde edilen fonlar\u0131n me\u015fru gibi g\u00f6sterilmesini \u00f6nlemeye y\u00f6nelik kanun ve prosed\u00fcrlerdir.<\/li><li>CFT (Ter\u00f6rizmin Finansman\u0131yla M\u00fccadele): Finansal sistemlerin ter\u00f6r\u00fcn finansman\u0131 i\u00e7in kullan\u0131lmas\u0131n\u0131 \u00f6nlemeye y\u00f6nelik tedbirler.<\/li><li>KYC (M\u00fc\u015fterini Tan\u0131): M\u00fc\u015fterilerin kimli\u011fini ve risk profilini do\u011frulama s\u00fcreci.<\/li><li>CDD (Customer Due Diligence): M\u00fc\u015fteri riskini belirleme, do\u011frulama ve de\u011ferlendirme s\u00fcreci.<\/li><li>EDD (Enhanced Due Diligence): Y\u00fcksek riskli m\u00fc\u015fterilere uygulanan ek inceleme.<\/li><li>PEP (Politically Exposed Person): Yolsuzluk riskini art\u0131ran, \u00f6nemli kamu g\u00f6revlerine sahip bireylerdir.<\/li><li>UBO (Nihai Ger\u00e7ek Faydalan\u0131c\u0131): Nihai olarak bir t\u00fczel ki\u015fili\u011fe sahip olan veya onu kontrol eden ger\u00e7ek ki\u015fi(ler).<\/li><li>SAR (\u015e\u00fcpheli Faaliyet Raporu): \u015e\u00fcpheli bir faaliyet tespit edildi\u011finde yetkililere sunulan bir rapor.<\/li><li>STR (\u015e\u00fcpheli \u0130\u015flem Raporu): SAR'a benzer \u015fekilde, \u015f\u00fcpheli i\u015flemlerin yetkililere bildirilmesidir.<\/li><li>FinCEN (Mali Su\u00e7lar\u0131 Uygulama A\u011f\u0131): AML\/CFT uyumlulu\u011funu denetleyen ABD h\u00fck\u00fcmet b\u00fcrosu.<\/li><li>OFAC (Yabanc\u0131 Varl\u0131klar Kontrol Ofisi): Ekonomik yapt\u0131r\u0131mlar\u0131 y\u00f6neten ve uygulayan ABD Hazine ofisi.<\/li><li>SECO (Ekonomik \u0130\u015flerden Sorumlu Devlet Sekreterli\u011fi): Yapt\u0131r\u0131mlar da dahil olmak \u00fczere ekonomi politikas\u0131ndan sorumlu \u0130svi\u00e7re h\u00fck\u00fcmet ofisi.<\/li><li>FATF (Mali Eylem G\u00f6rev G\u00fcc\u00fc): AML\/CFT standartlar\u0131n\u0131 belirleyen uluslararas\u0131 bir kurulu\u015ftur.<\/li><li>AMLA (Kara Para Aklamay\u0131 \u00d6nleme Yasas\u0131): AML\/CFT gerekliliklerini d\u00fczenleyen \u0130svi\u00e7re yasas\u0131.<\/li><li>MROS (\u0130svi\u00e7re Kara Para Aklama Raporlama Ofisi): \u0130svi\u00e7re Mali \u0130stihbarat Birimi.<\/li><li>\u00dc\u00e7 Hat Modeli: Sorumluluklar\u0131 i\u015f birimleri, uyum ve i\u00e7 denetim aras\u0131nda payla\u015ft\u0131ran bir y\u00f6neti\u015fim \u00e7er\u00e7evesi.<\/li><\/ul>","protected":false},"excerpt":{"rendered":"<p>Customer due diligence (CDD) stands as the systematic process through which financial institutions identify, verify, and understand their customers to manage anti-money laundering (AML) and counter-financing of terrorism (CFT) risk and ensure regulatory compliance. AML compliance is a critical component of customer due diligence, helping institutions prevent financial crime and avoid regulatory penalties. This process [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":32328,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[45],"class_list":["post-49232","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-digital-onboarding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Customer Due Diligence: Key Steps to Compliance<\/title>\n<meta name=\"description\" content=\"Enhance your knowledge on customer due diligence and its significance in risk management and due diligence processes.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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