{"id":49554,"date":"2026-04-16T09:15:40","date_gmt":"2026-04-16T07:15:40","guid":{"rendered":"https:\/\/www.investglass.com\/?p=49554"},"modified":"2026-04-16T09:31:42","modified_gmt":"2026-04-16T07:31:42","slug":"mali-uyumda-siyasi-nufuz-sahibi-kisileri-anlamak-pep-tanimi","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/tr\/pep-definition-understanding-politically-exposed-persons-in-financial-compliance\/","title":{"rendered":"Finansal D\u00fczenlemelerde Politik N\u00fcfuz Sahibi Ki\u015fi (PEP) S\u0131n\u0131fland\u0131rmas\u0131na Kimler Girer?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Politik n\u00fcfuz sahibi ki\u015fi (PEP), yolsuzluk, r\u00fc\u015fvet ve finansal su\u00e7lara maruz kalma riskini art\u0131rabilecek belirgin bir kamu g\u00f6revi y\u00fcr\u00fcten veya daha \u00f6nce y\u00fcr\u00fctm\u00fc\u015f olan bir bireydir. Politik n\u00fcfuz sahibi ki\u015fi terimi, d\u00fcnya \u00e7ap\u0131ndaki finans kurulu\u015flar\u0131 taraf\u0131ndan kullan\u0131lan aklama kar\u015f\u0131t\u0131 (AML) ve ter\u00f6rizmin finansman\u0131yla m\u00fccadele \u00e7er\u00e7evelerinin merkezinde yer al\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">PEP s\u0131n\u0131fland\u0131rmas\u0131n\u0131n ard\u0131ndaki temel ilke basittir: kamu kaynaklar\u0131, politika veya karar alma s\u00fcre\u00e7leri \u00fczerinde \u00f6nemli n\u00fcfuza sahip ki\u015filer, ek inceleme gerektiren potansiyel riskler bar\u0131nd\u0131r\u0131r. PEP'lerin genellikle y\u00fcksek d\u00fczeyde bir kara para aklama riski olu\u015fturdu\u011fu kabul edilir; bu nedenle finansal kurulu\u015flar\u0131n art\u0131r\u0131lm\u0131\u015f durum tespiti ve daha s\u0131k\u0131 izleme uygulamalar\u0131 hayata ge\u00e7irmesi gerekir. Bu, siyasi a\u00e7\u0131dan maruz kalan her bir PEP'in yanl\u0131\u015f bir eyleme kar\u0131\u015ft\u0131\u011f\u0131 anlam\u0131na gelmez. Aksine, artan risk, onlar\u0131n konumundan ve devlet fonlar\u0131na eri\u015fiminden kaynaklanmaktad\u0131r.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>PEP'ler; h\u00fck\u00fcmet yetkililerini, devlet te\u015febb\u00fcslerinin \u00fcst d\u00fczey y\u00f6neticilerini, \u00fcst d\u00fczey askeri yetkilileri ve yarg\u0131\u00e7lar\u0131 i\u00e7erir.<\/li>\n\n\n\n<li>Tan\u0131m, yasad\u0131\u015f\u0131 fonlar i\u00e7in arac\u0131 olarak hizmet edebilecek birinci derece aile \u00fcyelerini ve yak\u0131n i\u015f arkada\u015flar\u0131n\u0131 da kapsamaktad\u0131r.<\/li>\n\n\n\n<li>Hem mevcut g\u00f6revde bulunanlar hem de eski yetkililer genellikle g\u00f6revden ayr\u0131ld\u0131ktan sonra belirli bir s\u00fcre boyunca PEP (Siyasi N\u00fcfuz Sahip Ki\u015fi) olarak s\u0131n\u0131fland\u0131r\u0131lmaya devam eder.<\/li>\n\n\n\n<li>Finansal kurulu\u015flar, PEP ili\u015fkilerini belirlemek ve izlemek i\u00e7in risk tabanl\u0131 prosed\u00fcrler uygulamal\u0131d\u0131r<\/li>\n\n\n\n<li>InvestGlass, d\u00fczenlemeye tabi firmalar\u0131n tutarl\u0131 PEP muamelesi uygulamas\u0131na yard\u0131mc\u0131 olur <a href=\"https:\/\/www.investglass.com\/tr\/sovereign-ne-anlama-geliyor\/\" target=\"_self\">egemen<\/a>, \u0130svi\u00e7re ev sahipli\u011finde <a href=\"https:\/\/www.investglass.com\/tr\/crm-si%cc%87stemi%cc%87-nasil-basarili-bi%cc%87r-seki%cc%87lde-kullanilir\/\" target=\"_self\">CRM<\/a> ve oryantasyon ortam\u0131<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/04\/Politically-exposed-person-1024x683.jpg\" alt=\"Siyasi N\u00fcfuz Sahibi Ki\u015fi\" class=\"wp-image-49689\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/04\/Politically-exposed-person-1024x683.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/04\/Politically-exposed-person-300x200.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/04\/Politically-exposed-person-768x512.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/04\/Politically-exposed-person-1536x1024.jpg 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/04\/Politically-exposed-person-scaled.jpg 2048w, https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/04\/Politically-exposed-person-18x12.jpg 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Siyasi N\u00fcfuz Sahibi Ki\u015fi<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-introduction-to-peps\"><span class=\"ez-toc-section\" id=\"Introduction_to_PEPs\"><\/span>PEP'lere Giri\u015f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Politik olarak n\u00fcfuz sahibi bir ki\u015fi (PEP), bir h\u00fck\u00fcmette veya uluslararas\u0131 kurulu\u015fta \u00f6ne \u00e7\u0131kan bir kamu pozisyonunu elinde bulunduran veya bulundurmu\u015f olan ya da \u00f6nemli bir kamu g\u00f6revi y\u00fcr\u00fcten veya y\u00fcr\u00fctm\u00fc\u015f olan bir ki\u015fidir. Politiko olarak n\u00fcfuz sahibi ki\u015fi pep terimi, kara para aklama, ter\u00f6rizmin finansman\u0131 veya di\u011fer finansal su\u00e7lara kar\u0131\u015fma riskinin daha y\u00fcksek olabilece\u011fi bireyleri belirlemek i\u00e7in finans kurumlar\u0131 ve d\u00fczenleyici kurumlar taraf\u0131ndan yayg\u0131n olarak kullan\u0131lmaktad\u0131r. Bu artan risk, PEP'lerin finansal sistemler, kamu kaynaklar\u0131 ve politika kararlar\u0131 \u00fczerinde kurabilece\u011fi \u00f6nemli n\u00fcfuzdan kaynaklanmaktad\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Politik n\u00fcfuz sahibi ki\u015fi kavram\u0131, k\u00fcresel standartlar\u0131n \u015fekillendirilmesinde kilit bir rol oynayan Mali Eylem G\u00f6rev G\u00fcc\u00fc (FATF) ile birlikte 1990'lar\u0131n sonlar\u0131nda resmile\u015ftirilmi\u015ftir. PEP'ler; h\u00fck\u00fcmet yetkililerini, k\u0131demli askeri yetkilileri, k\u0131demli siyaset\u00e7ileri ve devlet arazisine ait \u015firketlerin \u00fcst d\u00fczey y\u00f6neticilerini kapsamaktad\u0131r. Birle\u015fmi\u015f Milletler veya D\u00fcnya Bankas\u0131 gibi uluslararas\u0131 kurulu\u015flarda g\u00f6rev yapanlar da dahil olmak \u00fczere uluslararas\u0131 kurulu\u015flar\u0131n PEP'leri, s\u0131n\u0131r \u00f6tesi fonlara eri\u015fimleri ve n\u00fcfuzlar\u0131 nedeniyle bu kapsamda yer al\u0131r. Finansal kurulu\u015flar, PEP'leri tespit ederek ve izleyerek, finansal su\u00e7larla ili\u015fkili riskleri daha iyi y\u00f6netebilir ve kara aklaman\u0131n \u00f6nlenmesi ve ter\u00f6rizmin finansman\u0131yla m\u00fccadele d\u00fczenlemelerine uyumu sa\u011flayabilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-formal-pep-definition-and-key-categories\"><span class=\"ez-toc-section\" id=\"Formal_PEP_Definition_and_Key_Categories\"><\/span>Resmi PEP Tan\u0131m\u0131 ve Temel Kategorileri<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Mali Eylem G\u00f6rev G\u00fcc\u00fc (FATF), PEP'i \u015fu anda \u00f6nemli bir kamu g\u00f6revi y\u00fcr\u00fcten veya ge\u00e7mi\u015fte y\u00fcr\u00fctm\u00fc\u015f bir ki\u015fi olarak tan\u0131mlar. Bu tan\u0131m, FATF'nin 12 Nolu Tavsiye Karar\u0131'nda ve bunun yorumlay\u0131c\u0131 notlar\u0131nda yer almakta olup, ulusal d\u00fczenleyicilerin benimsemi\u015ftir oldu\u011fu k\u00fcresel standart\u0131 olu\u015fturur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Basit bir ifadeyle, siyas\u0131 a\u00e7\u0131dan n\u00fcfuz sahibi ki\u015fi terimi, kamusal rol\u00fc devlet kaynaklar\u0131 veya politika kararlar\u0131 \u00fczerinde \u00f6nemli bir etki sa\u011flayan herkesi kapsar. Tan\u0131m, su\u00e7luluktan ziyade savunmas\u0131zl\u0131\u011f\u0131 yakalamak amac\u0131yla kas\u0131tl\u0131 olarak geni\u015f tutulmu\u015ftur.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Yerel PEP'ler, finansal kurulu\u015fun kendi \u00fclkesinde \u00f6nemli g\u00f6revler y\u00fcr\u00fctmektedir.<\/li>\n\n\n\n<li>Yabanc\u0131 PEP'ler di\u011fer yarg\u0131 b\u00f6lgelerinde benzer rollere sahiptir<\/li>\n\n\n\n<li>Uluslararas\u0131 kurulu\u015f PEP'leri, Birle\u015fmi\u015f Milletler veya D\u00fcnya Bankas\u0131 gibi kurumlarda \u00fcst d\u00fczey g\u00f6revlerde hizmet vermektedir<\/li>\n\n\n\n<li>PEP'lerin e\u015fleri, \u00e7ocuklar\u0131 ve ebeveynleri dahil olmak \u00fczere aile \u00fcyeleri, geni\u015fletilmi\u015f tan\u0131m kapsam\u0131na girer<\/li>\n\n\n\n<li>Siyasi n\u00fcfuz sahibi ki\u015filerle i\u015f veya sosyal ba\u011flar\u0131 olan yak\u0131n \u00e7evreler de benzer bir inceleme gerektirir<\/li>\n\n\n\n<li>Pek \u00e7ok yarg\u0131 alan\u0131, PEP stat\u00fcs\u00fcn\u00fc g\u00f6revden ayr\u0131lan yetkililere g\u00f6revi b\u0131rakmalar\u0131n\u0131 takiben bir ila be\u015f y\u0131l s\u00fcreyle uygulamaktad\u0131r<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, firmalar\u0131n yap\u0131land\u0131r\u0131lm\u0131\u015f PEP taksonomilerini kendi b\u00fcnyelerinde yap\u0131land\u0131rmalar\u0131na olanak tan\u0131r <a href=\"https:\/\/www.investglass.com\/ru\/how-crm-helps-with-regulatory-compliance\/\" target=\"_self\">uyumluluk ve CRM<\/a> ara\u00e7lar, Avrupa ve \u0130svi\u00e7re \u00e7er\u00e7evelerindeki yerel yasal tan\u0131mlarla uyumlu hale getirilmektedir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-types-of-politically-exposed-persons\"><span class=\"ez-toc-section\" id=\"Types_of_Politically_Exposed_Persons\"><\/span>Politik Olarak N\u00fcfuz Sahip Ki\u015filerin T\u00fcrleri<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">PEP t\u00fcrleri aras\u0131ndaki ayr\u0131mlar\u0131 anlamak \u00f6nemlidir \u00e7\u00fcnk\u00fc risk seviyeleri ve durum tespiti \u00f6nlemleri genellikle kategoriye g\u00f6re de\u011fi\u015fiklik g\u00f6sterir. Avrupa, Birle\u015fik Krall\u0131k ve di\u011fer FATF \u00fcyesi \u00fclkeler genelindeki d\u00fczenleyici rehberlik bu farklar\u0131 kabul etmektedir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Her t\u00fcr, \u00f6zel risk y\u00f6netimi yakla\u015f\u0131mlar\u0131 gerektirir. InvestGlass, firmalar\u0131n PEP t\u00fcrlerini i\u015faretlemesine ve segmentlere ay\u0131rmas\u0131na olanak tan\u0131r, b\u00f6ylece m\u00fc\u015fteri ili\u015fkisi boyunca risk tabanl\u0131 i\u015f ak\u0131\u015flar\u0131 otomatik olarak uygulan\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-domestic-peps\"><span class=\"ez-toc-section\" id=\"Domestic_PEPs\"><\/span>Yerel Siyasi N\u00fcfuz Sahip Ki\u015filer<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yerel Siyasi N\u00fcfuz Sahibi Ki\u015filer (PEP'ler), finansal kurulu\u015fla ayn\u0131 yetki alan\u0131nda \u00f6nemli bir kamu g\u00f6revi y\u00fcr\u00fcten veya y\u00fcr\u00fctm\u00fc\u015f olan bireylerdir. Yerel d\u00fczeyde daha g\u00f6r\u00fcn\u00fcr olabilirler; bu durum, yap\u0131land\u0131r\u0131lm\u0131\u015f durum tespiti gerektirmeye devam ederken daha iyi bir risk de\u011ferlendirmesini destekleyebilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6rnekler \u015funlar\u0131 i\u00e7erir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Devlet ba\u015fkanlar\u0131 ve ba\u015fbakanlar<\/li>\n\n\n\n<li>Ulusal parlamentolar\u0131n \u00fcyeleri<\/li>\n\n\n\n<li>H\u00fck\u00fcmet bakanlar\u0131 ve k\u0131demli siyaset\u00e7iler<\/li>\n\n\n\n<li>Merkez bankas\u0131 kurulu \u00fcyeleri<\/li>\n\n\n\n<li>Y\u00fcksek mahkeme h\u00e2kimleri ve \u00fcst d\u00fczey yarg\u0131 yetkilileri<\/li>\n\n\n\n<li>Devlet iktisadi te\u015febb\u00fcslerinin \u00fcst d\u00fczey y\u00f6neticileri<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Birle\u015fik Krall\u0131k, Avrupa Birli\u011fi ve \u0130svi\u00e7re'deki bankalar, varl\u0131k y\u00f6neticileri ve sigortac\u0131lar, tipik olarak yerel PEP'in rol\u00fc ve etkisine orant\u0131l\u0131 olarak geli\u015fmi\u015f m\u00fc\u015fteri durum tespiti uygularlar. InvestGlass m\u00fc\u015fteri edinim anketleri, MYS (KYC) kontrolleri s\u0131ras\u0131nda otomatik olarak yerel PEP i\u015faretleri atayabilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-foreign-peps\"><span class=\"ez-toc-section\" id=\"Foreign_PEPs\"><\/span>Yabanc\u0131 Siyasi N\u00fcfuz Sahip Ki\u015filer<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yabanc\u0131 Siyasi N\u00fcfuz Sahibi Ki\u015filer (PEP), kurumun faaliyet g\u00f6sterdi\u011fi \u00fclkeden farkl\u0131 bir \u00fclkede \u015fu anda \u00f6nemli kamu g\u00f6revleri y\u00fcr\u00fcten veya ge\u00e7mi\u015fte y\u00fcr\u00fctm\u00fc\u015f olan bireylerdir. Bu ki\u015filer, azalan yerel g\u00f6r\u00fcn\u00fcrl\u00fck ve farkl\u0131 \u015feffafl\u0131k standartlar\u0131 nedeniyle genellikle daha y\u00fcksek risk ta\u015f\u0131rlar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6rnekler \u015funlar\u0131 i\u00e7erir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Yabanc\u0131 h\u00fck\u00fcmet ba\u015fkanlar\u0131<\/li>\n\n\n\n<li>\u00dcst d\u00fczey yabanc\u0131 siyaset\u00e7iler ve b\u00fcy\u00fckel\u00e7iler<\/li>\n\n\n\n<li>\u00dcst d\u00fczey k\u0131demli askeri yetkililer<\/li>\n\n\n\n<li>Yabanc\u0131 devletlerin liderleri-<a href=\"https:\/\/www.investglass.com\/tr\/banka-sahi%cc%87bi%cc%87-olmak-ne-kadar-karli-deri%cc%87nlemesine-bi%cc%87r-anali%cc%87z\/\" target=\"_self\">bankalar\u0131n sahip oldu\u011fu<\/a> ya da enerji \u015firketleri<\/li>\n\n\n\n<li>Yolsuzlu\u011fun yayg\u0131n oldu\u011fu b\u00f6lgelerden se\u00e7ilmi\u015f yetkililer<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">FATF ve \u00e7o\u011fu ulusal d\u00fczenleyici kurum, sunulan \u00fcr\u00fcn veya hizmet ne olursa olsun, yabanc\u0131 PEP\u2019lere y\u00f6nelik daha kapsaml\u0131 durum tespiti yap\u0131lmas\u0131n\u0131 beklemektedir. InvestGlass, hesap a\u00e7\u0131l\u0131\u015flar\u0131 ve periyodik incelemeler s\u0131ras\u0131nda yabanc\u0131 PEP\u2019leri tespit etmek i\u00e7in harici PEP listelerini ve yapt\u0131r\u0131m verilerini kullanmaktad\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-international-organisation-peps\"><span class=\"ez-toc-section\" id=\"International_Organisation_PEPs\"><\/span>Uluslararas\u0131 Kurulu\u015f PEP'leri<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Uluslararas\u0131 kurulu\u015flardaki PEP\u2019ler, Birle\u015fmi\u015f Milletler, D\u00fcnya Bankas\u0131, Uluslararas\u0131 Para Fonu veya b\u00f6lgesel kalk\u0131nma bankalar\u0131 gibi uluslararas\u0131 kurulu\u015flarda \u00f6nemli kamu g\u00f6revlerinde bulunmaktad\u0131r. Uluslararas\u0131 fonlara eri\u015fimleri ve s\u0131n\u0131r \u00f6tesi etkileri, \u00f6zel olarak tasarlanm\u0131\u015f bir risk y\u00f6netimi gerektirmektedir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6rnekler \u015funlar\u0131 i\u00e7erir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Uluslararas\u0131 finans kurulu\u015flar\u0131n\u0131n y\u00f6neticileri ve y\u00f6netim kurulu \u00fcyeleri<\/li>\n\n\n\n<li>Kritik BM ajanslar\u0131n\u0131n \u00fcst y\u00f6netimi<\/li>\n\n\n\n<li>B\u00f6lgesel kalk\u0131nma bankalar\u0131n\u0131n y\u00f6neticileri<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Baz\u0131 ulusal kara para aklamayla m\u00fccadele (AML) d\u00fczenlemeleri, uluslararas\u0131 kurulu\u015flara ba\u011fl\u0131 PEP\u2019leri ayr\u0131 olarak listelemekle birlikte, benzer \u015fekilde g\u00fc\u00e7lendirilmi\u015f durum tespiti ilkelerini uygulamaktad\u0131r. InvestGlass, bu t\u00fcr kurulu\u015flarla ba\u011flant\u0131l\u0131 m\u00fc\u015fterileri i\u015faretleyebilir ve onlar\u0131 belirli uyum i\u015f ak\u0131\u015flar\u0131na y\u00f6nlendirebilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-family-members-of-peps\"><span class=\"ez-toc-section\" id=\"Family_Members_of_PEPs\"><\/span>PEP'lerin Aile \u00dcyeleri<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yasal tan\u0131mlar genellikle bir PEP\u2019in birinci derece yak\u0131nlar\u0131n\u0131 kapsar. Bu ki\u015filer, PEP\u2019i varl\u0131klardan veya i\u015flemlerden uzak tutmak i\u00e7in kullan\u0131labilece\u011finden, tarama ve s\u00fcrekli izlemenin \u00f6nemi artmaktad\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kapsanan ili\u015fkiler genellikle \u015funlar\u0131 i\u00e7erir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>E\u015fler ve partnerler<\/li>\n\n\n\n<li>\u00c7ocuklar ve ebeveynler<\/li>\n\n\n\n<li>Baz\u0131 yarg\u0131 b\u00f6lgelerinde karde\u015fler<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Bir PEP\u2019in aile \u00fcyesi olarak s\u0131n\u0131fland\u0131r\u0131lmas\u0131, hukuka ayk\u0131r\u0131 bir davran\u0131\u015f iddias\u0131 de\u011fildir. InvestGlass\u2019\u0131n m\u00fc\u015fteri kabul anketleri, bu t\u00fcr ba\u011flant\u0131lar\u0131 tespit etmek amac\u0131yla aile ili\u015fkilerini ve ger\u00e7ek sahiplik bilgilerini toplar; bu da Birle\u015fik Krall\u0131k Kara Para Aklama Y\u00f6netmelikleri ve AB Kara Para Aklama Direktiflerine uyumu destekler.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-close-associates-of-peps\"><span class=\"ez-toc-section\" id=\"Close_Associates_of_PEPs\"><\/span>PEP'lerin Yak\u0131n \u0130\u015fbirlik\u00e7ileri<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yak\u0131n ili\u015fkili ki\u015filer, bir PEP ile yak\u0131n sosyal, mesleki veya ticari ba\u011flar kurdu\u011fu bilinen ki\u015filerdir. Bunlar aras\u0131nda uzun s\u00fcredir i\u015f orta\u011f\u0131 olanlar, kilit dan\u0131\u015fmanlar veya \u015firketlerin ortak ger\u00e7ek sahipleri yer alabilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu ki\u015filer, PEP\u2019ler i\u00e7in arac\u0131 g\u00f6revi g\u00f6rebilecekleri i\u00e7in daha y\u00fcksek risk te\u015fkil etmektedir. Yak\u0131n ili\u015fkili ki\u015filerin tespit edilmesi genellikle a\u015fa\u011f\u0131dakilere dayan\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kamuya a\u00e7\u0131k kay\u0131tlar ve olumsuz medya taramas\u0131<\/li>\n\n\n\n<li>\u0130li\u015fki zekas\u0131 ve a\u011f analizi<\/li>\n\n\n\n<li>Tek ba\u015f\u0131na ger\u00e7ek m\u00fclkiyet veya ortak ger\u00e7ek m\u00fclkiyet yap\u0131lar\u0131<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Harici uyumluluk verileriyle zenginle\u015ftirilmi\u015f InvestGlass CRM verileri, firmalar\u0131n ili\u015fkili taraflar\u0131 birbiriyle ili\u015fkilendirmesine ve PEP a\u011flar\u0131n\u0131 haritaland\u0131rmas\u0131na yard\u0131mc\u0131 olur. Yanl\u0131\u015f s\u0131n\u0131fland\u0131rmay\u0131 \u00f6nlemek i\u00e7in kararlar kan\u0131ta dayal\u0131 olmal\u0131 ve iyi bir \u015fekilde belgelenmelidir.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"701\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-2-1024x701.png\" alt=\"InvestGlass CRM\" class=\"wp-image-47052\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-2-1024x701.png 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-2-300x205.png 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-2-768x526.png 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-2-1536x1052.png 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-2.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">InvestGlass CRM<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pep-risk-levels-and-classification\"><span class=\"ez-toc-section\" id=\"PEP_Risk_Levels_and_Classification\"><\/span>PEP Risk D\u00fczeyleri ve S\u0131n\u0131fland\u0131rmas\u0131<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bir\u00e7ok kurum, FATF\u2019nin risk temelli yakla\u015f\u0131m\u0131yla uyumlu olarak PEP\u2019leri \u00e7ok y\u00fcksek, y\u00fcksek, orta ve d\u00fc\u015f\u00fck gibi risk seviyelerine g\u00f6re s\u0131n\u0131fland\u0131rmaktad\u0131r. Bu s\u0131n\u0131fland\u0131rmalar, durum tespiti s\u00fcrecinin kapsam\u0131n\u0131 belirlemektedir, <a href=\"https:\/\/www.investglass.com\/tr\/onay-surecleri-icin-kesin-kilavuz\/\" target=\"_self\">onay s\u00fcre\u00e7leri<\/a> ve her bir i\u015f ili\u015fkisine uygulanan s\u00fcrekli izleme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tipik risk fakt\u00f6rleri \u015funlard\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kamu g\u00f6revindeki k\u0131dem<\/li>\n\n\n\n<li>Yarg\u0131 yetkisi riski ve \u015feffafl\u0131k standartlar\u0131<\/li>\n\n\n\n<li>Servet kaynaklar\u0131n\u0131n belirsizli\u011fi<\/li>\n\n\n\n<li>\u0130\u015flem hacmi ve karma\u015f\u0131kl\u0131\u011f\u0131<\/li>\n\n\n\n<li>\u00dcr\u00fcn t\u00fcr\u00fc (\u00f6zel bankac\u0131l\u0131k genellikle perakende bankac\u0131l\u0131ktan daha y\u00fcksek risk ta\u015f\u0131r)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, bu risk fakt\u00f6rlerine g\u00f6re izleme yo\u011funlu\u011funu otomatik olarak ayarlayan, yap\u0131land\u0131r\u0131labilir PEP risk puanlama modellerini uygulamaktad\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-very-high-risk-peps\"><span class=\"ez-toc-section\" id=\"Very_High_Risk_PEPs\"><\/span>\u00c7ok Y\u00fcksek Riskli PEP'ler<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c7ok y\u00fcksek riskli S\u0130P'ler, yapt\u0131r\u0131m uygulanan rejimlerle, y\u00fcksek profilli yolsuzluk vakalar\u0131yla veya ciddi AAM eksiklikleri olan yarg\u0131 b\u00f6lgeleriyle ba\u011flant\u0131l\u0131 bireyleri i\u00e7erir. Bunlar, en yo\u011fun kontrolleri gerektiren S\u0130P'ler olarak kabul edilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6rnekler \u015funlar\u0131 i\u00e7erir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Birle\u015fmi\u015f Milletler veya Avrupa Birli\u011fi\u2019nin yapt\u0131r\u0131mlar\u0131na tabi olan \u00fclkelerin \u00fcst d\u00fczey yetkilileri<\/li>\n\n\n\n<li>B\u00fcy\u00fck yolsuzluk skandallar\u0131na kamuoyu \u00f6n\u00fcnde ad\u0131 ge\u00e7en ki\u015filer<\/li>\n\n\n\n<li>Transparency International\u2019\u0131n Yolsuzluk Alg\u0131 Endeksi\u2019nde 40\u2019\u0131n alt\u0131nda puan alan \u00fclkelerden gelen y\u00fcksek riskli PEP\u2019ler<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Bu t\u00fcr PEP\u2019lerle kurulan ili\u015fkiler reddedilebilir veya \u00fcst y\u00f6netimin onay\u0131, kapsaml\u0131 durum tespiti \u00f6nlemleri ve \u00fc\u00e7 ayl\u0131k incelemeler gerektirebilir. InvestGlass, \u00e7ok y\u00fcksek risk s\u0131n\u0131fland\u0131rmalar\u0131 i\u00e7in karar kay\u0131tlar\u0131n\u0131, onay i\u015f ak\u0131\u015flar\u0131n\u0131 ve ayr\u0131nt\u0131l\u0131 denetim izlerini destekler.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-high-risk-peps\"><span class=\"ez-toc-section\" id=\"High_Risk_PEPs\"><\/span>Y\u00fcksek Riskli Siyasi N\u00fcfuz Sahip Ki\u015filer<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Y\u00fcksek riskli PEP\u2019ler aras\u0131nda genellikle devlet ba\u015fkanlar\u0131, bakanlar ve b\u00fcy\u00fck devlet i\u015fletmelerinin \u00fcst d\u00fczey y\u00f6neticileri gibi halen g\u00f6revde olan veya yak\u0131n zamanda g\u00f6rev yapm\u0131\u015f \u00fcst d\u00fczey yetkililer yer al\u0131r. Finans kurumlar\u0131 genellikle daha s\u0131k m\u00fc\u015fteri tan\u0131ma (KYC) bilgilerinin g\u00fcncellenmesini i\u00e7eren geli\u015fmi\u015f durum tespiti uygulamaktad\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bununla ili\u015fkili riskler aras\u0131nda \u015funlar say\u0131labilir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u015eeffaf olmayan servet veya fon kayna\u011f\u0131<\/li>\n\n\n\n<li>B\u00fcy\u00fck s\u0131n\u0131r \u00f6tesi transferler<\/li>\n\n\n\n<li>Karma\u015f\u0131k lehdar m\u00fclkiyet yap\u0131lar\u0131<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass i\u015f ak\u0131\u015flar\u0131 ek belge talebinde bulunabilir, ileti\u015fimi segmentlere ay\u0131rabilir ve incelemeleri otomatik olarak \u00fcst birime aktarabilir. Risk derecelendirmeleri s\u00fcresiz olarak sabit kalmak yerine periyodik olarak yeniden de\u011ferlendirilmelidir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-moderate-risk-peps\"><span class=\"ez-toc-section\" id=\"Moderate_Risk_PEPs\"><\/span>Orta Riskli Siyasi N\u00fcfuz Sahibi Ki\u015filer<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Orta riskli S\u0130P'ler, devlet karar alma s\u00fcre\u00e7lerinde daha az merkezi olan orta d\u00fczey rollerde bulunur veya n\u00fcfuzlar\u0131 zamanla azalm\u0131\u015f eski \u00fcst d\u00fczey S\u0130P'lerdir. Kurumlar genellikle i\u015fe al\u0131m s\u0131ras\u0131nda geli\u015fmi\u015f kontroller, ard\u0131ndan hedeflenmi\u015f i\u015flem izleme uygular.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Orta risk, \u00fcst d\u00fczey g\u00f6zetim ihtiyac\u0131n\u0131 ortadan kald\u0131rmaz, ancak orant\u0131l\u0131 kontrol mekanizmalar\u0131n\u0131 hakl\u0131 \u00e7\u0131kar\u0131r. InvestGlass, orta riskli PEP'lerin ne a\u015f\u0131r\u0131 i\u015fleme tabi tutulmas\u0131n\u0131 ne de yetersiz izlenmesini sa\u011flayacak esnek kurallara izin verir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-low-risk-peps\"><span class=\"ez-toc-section\" id=\"Low_Risk_PEPs\"><\/span>D\u00fc\u015f\u00fck Riskli Siyasi N\u00fcfuz Sahibi Ki\u015filer<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00fc\u015f\u00fck riskli S\u00d6K'ler (Siyasi N\u00fcfuz Sahibi Ki\u015filer), \u00f6nemsiz veya b\u00fcy\u00fck \u00f6l\u00e7\u00fcde t\u00f6rensel rollere sahiptir ya da g\u00fc\u00e7l\u00fc \u015feffafl\u0131k ve y\u00f6neti\u015fim standartlar\u0131na sahip yetki alanlar\u0131ndan gelir. Belgelendirilmi\u015f bir risk de\u011ferlendirmesi ile desteklendi\u011finde, temel m\u00fc\u015fteri durum tespiti ve standart izleme yeterli olabilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Birle\u015fik Krall\u0131k, \u0130svi\u00e7re ve Avrupa Birli\u011fi'ndeki d\u00fczenleyici gereklilikler, PEP riski d\u00fc\u015f\u00fck olsa bile h\u00e2l\u00e2 m\u00fc\u015fteri kimlik tespiti ve s\u0131n\u0131fland\u0131rmas\u0131 gerektirmektedir. InvestGlass, bu m\u00fc\u015fterileri PEP olarak etiketlerken onlar\u0131 daha hafif, uyumlu izleme yollar\u0131na y\u00f6nlendirir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-customer-identification\"><span class=\"ez-toc-section\" id=\"Customer_Identification\"><\/span>M\u00fc\u015fteri Tan\u0131mlama<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00fc\u015fteri tespiti, kara para aklaman\u0131n \u00f6nlenmesi (AML) ve ter\u00f6rizmin finansman\u0131yla m\u00fccadele (CTF) d\u00fczenlemeleri kapsam\u0131nda finansal kurumlar i\u00e7in temel bir zorunluluktur. Bu s\u00fcre\u00e7, kurumlar\u0131n m\u00fc\u015fterilerinin kim oldu\u011funu bilmesini sa\u011flayarak kara para aklama, ter\u00f6rizmin finansman\u0131 ve di\u011fer yasa d\u0131\u015f\u0131 faaliyetlerin \u00f6nlenmesine yard\u0131mc\u0131 olur. M\u00fc\u015fteri tespiti; m\u00fc\u015fterinin ad\u0131, adresi, do\u011fum tarihi ve resmi kimlik belgeleri gibi temel bilgilerin toplanmas\u0131n\u0131 ve do\u011frulanmas\u0131n\u0131 i\u00e7erir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Politik n\u00fcfuz sahibi ki\u015filerle (PEP'ler) ilgilenirken finansal kurulu\u015flar; bireyin \u00f6ne \u00e7\u0131kan kamu pozisyonunu veya \u00f6ne \u00e7\u0131kan kamu i\u015flevini do\u011frulayarak ve rolleriyle ili\u015fkili belirli risk fakt\u00f6rlerini de\u011ferlendirerek daha ileri gitmelidir. Bu art\u0131r\u0131lm\u0131\u015f inceleme, etkili bir kara apara aklama (AML) uyumu ve finansal sistemin b\u00fct\u00fcnl\u00fc\u011f\u00fcn\u00fcn korunmas\u0131 i\u00e7in esast\u0131r. Kurumlar, m\u00fc\u015fterileri kapsaml\u0131 bir \u015fekilde tan\u0131mlayarak potansiyel riskleri erken tespit edebilir ve uygun durum tespiti \u00f6nlemlerini uygulayabilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pep-identification\"><span class=\"ez-toc-section\" id=\"PEP_Identification\"><\/span>PEP Tespiti<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">PEP tespiti, finansal kurulu\u015flar\u0131n bir m\u00fc\u015fterinin veya <a href=\"https:\/\/www.investglass.com\/pl\/understanding-who-is-a-beneficial-owner-our-guide-to-rules-requirements\/\" target=\"_self\">intifa hakk\u0131 sahibi<\/a> siyasi n\u00fcfuz sahibi ki\u015fi olarak kabul edilir. Bu, yaln\u0131zca bireyin kendisini de\u011fil, varl\u0131klar\u0131n ger\u00e7ek kayna\u011f\u0131n\u0131 veya m\u00fclkiyetini gizlemek i\u00e7in kullan\u0131labilecek aile \u00fcyelerini ve yak\u0131n ortaklar\u0131n\u0131 da i\u00e7erir. Kurumlar, siyasi n\u00fcfuz sahibi ki\u015fileri tespit etmek i\u00e7in genellikle m\u00fc\u015fterileri \u00f6zel veri tabanlar\u0131nda tarar, kamu kay\u0131tlar\u0131n\u0131 inceler ve gerekti\u011finde art\u0131r\u0131lm\u0131\u015f durum tespiti uygular.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mali Eylem G\u00f6rev G\u00fcc\u00fc (FATF), PEP'lerin (Politikaya N\u00fcfuz Eden Ki\u015filer) tespiti konusunda a\u00e7\u0131k bir rehberlik sa\u011flamakta; bireyin kamusal i\u015flevinin niteli\u011fini ve finansal su\u00e7lara kar\u015f\u0131 potansiyel maruziyetini dikkate alan risk temelli bir yakla\u015f\u0131m \u00f6nermektedir. Finansal kurulu\u015flar, durum tespiti s\u00fcre\u00e7lerinin, ger\u00e7ek faydalan\u0131c\u0131lar dahil olmak \u00fczere ilgili t\u00fcm ili\u015fkileri yakalayacak ve yeni bilgiler ortaya \u00e7\u0131kt\u0131k\u00e7a uyum sa\u011flayacak kadar g\u00fc\u00e7l\u00fc olmas\u0131n\u0131 sa\u011flamal\u0131d\u0131r. Etkili PEP tespiti, finans sekt\u00f6r\u00fcnde uyum ve risk y\u00f6netiminin temel ta\u015f\u0131d\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-regulatory-framework-for-peps\"><span class=\"ez-toc-section\" id=\"Regulatory_Framework_for_PEPs\"><\/span>PEP'ler i\u00e7in D\u00fczenleyici \u00c7er\u00e7eve<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">PEP'ler i\u00e7in d\u00fczenleyici \u00e7er\u00e7eve, uluslararas\u0131 standartlardan ve ulusal mevzuattan kaynaklanmaktad\u0131r. FATF'nin 40 Tavsiye Karar\u0131, PEP gerekliliklerini k\u00fcresel olarak \u015fekillendirmekte olup, \u00e7o\u011fu yarg\u0131 alan\u0131 bu kurallar\u0131 kara para aklaman\u0131n \u00f6nlenmesi (AML) ve ter\u00f6rizmin finansman\u0131yla m\u00fccadele yasalar\u0131na dahil etmektedir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00fczenlemeye tabi kurumlar; dahili politikalar\u0131n\u0131, e\u011fitimlerini ve finansal sistemlerini hem FATF rehberli\u011fi hem de yerel yasal y\u00fck\u00fcml\u00fcl\u00fcklerle uyumlu hale getirmek zorundad\u0131r. InvestGlass; Avrupa, \u0130svi\u00e7re ve di\u011fer Amerikan ve \u00c7inli olmayan di\u011fer \u00e7er\u00e7evenin alt\u0131nda faaliyet g\u00f6steren kurumlar i\u00e7in veri egemenli\u011fine \u00f6ncelik verilerek olu\u015fturulmu\u015ftur.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-fatf-guidance-on-peps\"><span class=\"ez-toc-section\" id=\"FATF_Guidance_on_PEPs\"><\/span>FATF PEP Rehberi<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">FATF\u2019in PEP\u2019lere (Siyasete N\u00fcfuz Ki\u015filere) ili\u015fkin temel beklentileri, Tavsiyelerde ve yorumlay\u0131c\u0131 notlarda yer almaktad\u0131r. K\u0131lavuz, ter\u00f6rizmin finansman\u0131 riskini ve kara aklama a\u00e7\u0131klar\u0131n\u0131 y\u00f6netmek i\u00e7in art\u0131r\u0131lm\u0131\u015f durum tespiti ve risk tabanl\u0131 prosed\u00fcrlere odaklanmaktad\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6nemli noktalar \u015funlard\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Yerli ve yabanc\u0131 S\u00d6P'lerin yan\u0131 s\u0131ra uluslararas\u0131 kurulu\u015f S\u00d6P'lerinin tan\u0131nmas\u0131<\/li>\n\n\n\n<li>Yak\u0131n arkada\u015flara ve aile \u00fcyelerine uzatma<\/li>\n\n\n\n<li>Resmi bir k\u00fcresel PEP listesi mevcut de\u011fildir<\/li>\n\n\n\n<li>H\u00fck\u00fcmetler ve finansal kurumlar, riske dayal\u0131 bir Siyasi N\u00fcfuz Sahibi Ki\u015fi (PEP) belirleme s\u00fcreci geli\u015ftirmelidir<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, PEP bayraklar\u0131n\u0131, risk derecelendirmelerini ve izleme kurallar\u0131n\u0131 g\u00fcnl\u00fck uyumluluk i\u015f ak\u0131\u015flar\u0131na entegre ederek firmalar\u0131n FATF beklentilerini operasyonel hale getirmesine yard\u0131mc\u0131 olur.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-examples-of-national-pep-rules\"><span class=\"ez-toc-section\" id=\"Examples_of_National_PEP_Rules\"><\/span>Ulusal PEP Kurallar\u0131 \u00d6rnekleri<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yarg\u0131 b\u00f6lgeleri, FATF (Mali Eylem G\u00f6rev G\u00fcc\u00fc) kavramlar\u0131n\u0131 baz\u0131 farkl\u0131l\u0131klarla uyarlam\u0131\u015ft\u0131r:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>Yarg\u0131 Yetkisi<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u00d6nemli Mevzuat<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u00d6nemli \u00d6zellikler<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Avrupa Birli\u011fi<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>6. AAM Y\u00f6nergesi (6AMLD)<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>27 eyalet genelinde uyumla\u015ft\u0131r\u0131lm\u0131\u015f tan\u0131mlar, 12 ayl\u0131k posta d\u00f6nemi<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Birle\u015fik Krall\u0131k<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Kara Para Aklama D\u00fczenlemeleri 2017<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>FATF ve FCA denetimini yans\u0131t\u0131yor<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0130svi\u00e7re<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>FINMA Sirk\u00fcleri 2016\/7<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>T\u00fcm PEP'ler i\u00e7in Yo\u011funla\u015ft\u0131r\u0131lm\u0131\u015f M\u00fc\u015fteri Durum Tespiti (EDD), 18 ayl\u0131k geriye d\u00f6n\u00fck inceleme<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Singapur<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>MAS Bildirimi 626<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>20+ tan\u0131mlanm\u0131\u015f rol\u00fc listeler<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Kanada<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>FINTRAC Yoluyla PCMLTFA<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>5 y\u0131ll\u0131k s\u00fcre, 29 yurt i\u00e7i pozisyon<\/p><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">S\u0131n\u0131r \u00f6tesi kurumlar, birden fazla d\u00fczenleyici gereklilik genelinde politikalar\u0131n\u0131 uyumlu hale getirmelidir. \u0130svi\u00e7re egemen bir platform olan InvestGlass, titiz ancak yerel olarak uyumlu bir uyumluluk gerektiren Avrupa ve uluslararas\u0131 kurumlar i\u00e7in uygundur.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"701\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-1024x701.png\" alt=\"Tamamen esnek CRM InvestGlass\" class=\"wp-image-47415\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-1024x701.png 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-300x205.png 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-768x526.png 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-1536x1052.png 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Tamamen esnek CRM InvestGlass<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pep-screening-and-risk-based-due-diligence\"><span class=\"ez-toc-section\" id=\"PEP_Screening_and_Risk-Based_Due_Diligence\"><\/span>PEP Taramas\u0131 ve Risk Temelli Durum Tespiti<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">PEP taramas\u0131, AML ve CTF d\u00fczenlemeleri kapsam\u0131nda gereklidir ve daha geni\u015f kapsaml\u0131 m\u00fc\u015fteri durum tespiti ile art\u0131r\u0131lm\u0131\u015f durum tespiti s\u00fcrecinin bir par\u00e7as\u0131n\u0131 olu\u015fturur. Tarama, tek seferlik bir kontrol olmay\u0131p, m\u00fc\u015fteri ya\u015fam d\u00f6ng\u00fcs\u00fc boyunca devam eden bir faaliyettir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Daha y\u00fcksek riskli S\u0130P'ler (siyasi a\u00e7\u0131dan n\u00fcfuz sahibi ki\u015filer) daha yo\u011fun incelemeye tabi tutulurken, daha d\u00fc\u015f\u00fck riskli S\u0130P'ler orant\u0131l\u0131 bir izlemeden yararlan\u0131r. InvestGlass; tarama, belgeleme, onaylar ve izleme s\u00fcre\u00e7lerini \u0130svi\u00e7re'de bar\u0131nd\u0131r\u0131lan veya kurum i\u00e7i (on-premise) kurulan tek bir egemen CRM platformunda entegre eder.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-customer-due-diligence-for-peps\"><span class=\"ez-toc-section\" id=\"Customer_Due_Diligence_for_PEPs\"><\/span>PEP'ler i\u00e7in M\u00fc\u015fteri Durum Tespiti<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Temel durum tespiti ad\u0131mlar\u0131, m\u00fc\u015fteriyi tan\u0131mlamay\u0131, kimli\u011fi do\u011frulamay\u0131, ger\u00e7ek faydalan\u0131c\u0131 ili\u015fkilerini netle\u015ftirmeyi ve i\u015f ili\u015fkisinin amac\u0131n\u0131 anlamay\u0131 i\u00e7erir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">PEP'ler i\u00e7in genellikle istenen ek bilgiler \u015funlar\u0131 i\u00e7erir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ayr\u0131nt\u0131l\u0131 servet kayna\u011f\u0131 ve fon kayna\u011f\u0131 belgeleri<\/li>\n\n\n\n<li>D\u00fczenlenen halka a\u00e7\u0131k etkinlikler hakk\u0131nda bilgi<\/li>\n\n\n\n<li>Y\u00fcksek riskli ili\u015fkiler kurulmadan \u00f6nce \u00fcst y\u00f6netim onay\u0131<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass <a 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> PEP vakalar\u0131 i\u00e7in veri toplama, belge y\u00fckleme, anketler ve onay y\u00f6nlendirmesini otomatize eder.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-ongoing-monitoring-and-transaction-analysis\"><span class=\"ez-toc-section\" id=\"Ongoing_Monitoring_and_Transaction_Analysis\"><\/span>S\u00fcrekli \u0130zleme ve \u0130\u015flem Analizi<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kurumlar, bilinen profili veya servet kayna\u011f\u0131 ile uyumsuz \u015f\u00fcpheli faaliyetleri tespit etmek i\u00e7in PEP banka hesaplar\u0131n\u0131 s\u00fcrekli olarak izlemelidir. <a href=\"https:\/\/www.investglass.com\/tr\/etki%cc%87li%cc%87-aml-i%cc%87slem-i%cc%87zlemesi%cc%87-i%cc%87ci%cc%87n-en-onemli%cc%87-strateji%cc%87ler\/\" target=\"_self\">Otomatik i\u015flem izleme<\/a> Kurallar ve uyar\u0131lar, PEP durumuna ve risk seviyelerine g\u00f6re ayarlanmal\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kamu g\u00f6revindeki de\u011fi\u015fiklikler, medya iddialar\u0131 veya yapt\u0131r\u0131m listeleri derhal incelemeyi tetiklemelidir. InvestGlass, denet\u00e7iler i\u00e7in net denetim izleri sa\u011flarken; zamanlanm\u0131\u015f incelemeleri, uyar\u0131 y\u00f6netimini ve vaka y\u00f6netimini destekler.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-staff-training-and-governance\"><span class=\"ez-toc-section\" id=\"Staff_Training_and_Governance\"><\/span>Personel E\u011fitimi ve Y\u00f6neti\u015fim<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Uyum ekipleri, <a 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> ve \u00f6n saflardaki personel, kimin PEP olarak kabul edildi\u011fini ve art\u0131\u015flar\u0131n (eskalasyonlar\u0131n) nas\u0131l ele al\u0131nmas\u0131 gerekti\u011fini anlamal\u0131d\u0131r. D\u00fczenleyici gereklilikler, PEP tipolojileri ve i\u00e7 politikalar periyodik e\u011fitimlerde ele al\u0131nmal\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130yi y\u00f6neti\u015fim, tan\u0131mlanm\u0131\u015f onay seviyelerini, politika belgelerini ve d\u00fczenli i\u00e7 denetimleri i\u00e7erir. InvestGlass, politika ad\u0131mlar\u0131n\u0131 netle\u015ftiren ve operasyonel hata riskini azaltan yap\u0131land\u0131r\u0131lm\u0131\u015f i\u015f ak\u0131\u015flar\u0131 ve panolar sa\u011flar.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-financial-institution-responsibilities\"><span class=\"ez-toc-section\" id=\"Financial_Institution_Responsibilities\"><\/span>Finansal Kurum Sorumluluklar\u0131<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Finansal kurulu\u015flar, siyasi a\u00e7\u0131dan n\u00fcfuz sahibi ki\u015filerin (PEP) y\u00f6netiminde kapsaml\u0131 bir sorumluluk setine sahiptir. Bu y\u00fck\u00fcml\u00fcl\u00fckler; bir i\u015f ili\u015fkisinin ba\u015f\u0131nda PEP'lerin belirlenmesini, riskleri de\u011ferlendirmek ve azaltmak i\u00e7in art\u0131r\u0131lm\u0131\u015f durum tespiti yap\u0131lmas\u0131n\u0131 ve \u015f\u00fcpheli i\u015flem belirtilerine kar\u015f\u0131 i\u015flemlerin ve hesap faaliyetlerinin s\u00fcrekli olarak izlenmesini i\u00e7erir. Kurulu\u015flar ayr\u0131ca, riske dayal\u0131 prosed\u00fcrlerin uygulanmas\u0131n\u0131 zorunlu k\u0131lan Banka Gizlili\u011fi Yasas\u0131 ve kara para aklamay\u0131 \u00f6nleme (AML) d\u00fczenlemeleri gibi yasal gerekliliklere de uymal\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Temel sorumluluklar, m\u00fc\u015fteri kimli\u011fini do\u011frulamay\u0131, ger\u00e7ek faydalan\u0131c\u0131y\u0131 tespit etmeyi ve ilgili makamlara \u015f\u00fcpheli faaliyet bildiriminde bulunmay\u0131 kapsamaktad\u0131r. Siyasi n\u00fcfuz sahibi ki\u015filerle (PEP) kurulan i\u015f ili\u015fkilerinin mevzuata uygun kalmas\u0131n\u0131 sa\u011flamak ve risk profilindeki her t\u00fcrl\u00fc de\u011fi\u015fikli\u011fin derhal ele al\u0131nmas\u0131n\u0131 temin etmek i\u00e7in s\u00fcrekli durum tespiti esast\u0131r. Finansal kurumlar, bu gerekliliklere ba\u011fl\u0131 kalarak k\u00fcresel finans sisteminde kara aklama ve ter\u00f6rizmin finansman\u0131n\u0131n \u00f6nlenmesinde hayati bir rol oynamaktad\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-beneficial-ownership\"><span class=\"ez-toc-section\" id=\"Beneficial_Ownership\"><\/span>Ger\u00e7ek M\u00fclkiyet<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ger\u00e7ek faydalan\u0131c\u0131, bir \u015firket veya tr\u00f6st gibi bir t\u00fczel ki\u015fili\u011fe nihai olarak sahip olan veya onu kontrol eden ger\u00e7ek ki\u015fi veya kurulu\u015fu ifade eder. Finansal kurulu\u015flar i\u00e7in ger\u00e7ek faydalan\u0131c\u0131y\u0131 belirlemek ve do\u011frulamak, \u00f6zellikle siyas\u0131 n\u00fcfuz sahibi ki\u015filerle (PEP) i\u015flem yaparken, m\u00fc\u015fteri durum tespiti s\u00fcrecinin kritik bir par\u00e7as\u0131d\u0131r. Bu s\u00fcre\u00e7 genellikle, do\u011frudan veya dolayl\u0131 olarak ger\u00e7ek faydalan\u0131c\u0131 olarak hareket edebilecek aile \u00fcyelerini veya yak\u0131n ortaklar\u0131 ortaya \u00e7\u0131karmak i\u00e7in m\u00fclkiyet yap\u0131lar\u0131n\u0131n takip edilmesini i\u00e7erir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mali Eylem G\u00f6rev G\u00fcc\u00fc (FATF), finansal kurulu\u015flara, \u00f6zellikle Siyasi N\u00fcfuz Sahibi Ki\u015filer (PEP'ler) gibi y\u00fcksek riskli m\u00fc\u015fterilere \u00f6zel bir dikkat g\u00f6stererek, ger\u00e7ek faydalan\u0131m sahipli\u011fi konusunda risk temelli bir yakla\u015f\u0131m benimsemelerini tavsiye etmektedir. Kurulu\u015flar, ger\u00e7ek faydalan\u0131m sahipli\u011fi bilgilerinin do\u011fru, g\u00fcncel ve potansiyel \u015f\u00fcpheli faaliyetleri tespit etmeye yeterli olmas\u0131n\u0131 sa\u011flamal\u0131d\u0131r. Ger\u00e7ek faydalan\u0131m sahipli\u011fi, m\u00fc\u015fteri tan\u0131ma ve durum tespiti ile ilgili d\u00fczenleyici gerekliliklere uyum, finansal kurulu\u015flar\u0131n yasal varl\u0131klar\u0131n kara para aklama veya ter\u00f6r\u00fcn finansman\u0131 amac\u0131yla k\u00f6t\u00fcye kullan\u0131lmas\u0131ndan korunmas\u0131na yard\u0131mc\u0131 olur.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pep-data-screening-tools-and-datasets\"><span class=\"ez-toc-section\" id=\"PEP_Data_Screening_Tools_and_Datasets\"><\/span>PEP Verileri, Tarama Ara\u00e7lar\u0131 ve Veri Setleri<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Resmi ve k\u00fcresel bir PEP listesi bulunmamaktad\u0131r. \u015eirketler, i\u015fe al\u0131m ve periyodik incelemeler s\u0131ras\u0131nda PEP'leri belirlemek i\u00e7in ticari veritabanlar\u0131na, resmi kay\u0131tlara, yapt\u0131r\u0131m listelerine ve medya takibine g\u00fcvenir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Veri kalitesi belirgin \u015fekilde de\u011fi\u015fiklik g\u00f6stermektedir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Baz\u0131 b\u00f6lgelerde kapsama bo\u015fluklar\u0131 bulunmaktad\u0131r<\/li>\n\n\n\n<li>G\u00fcncelleme s\u0131kl\u0131\u011f\u0131 tarama do\u011frulu\u011funu etkiler<\/li>\n\n\n\n<li>Uygun ayar yap\u0131lmad\u0131\u011f\u0131nda yanl\u0131\u015f pozitif oranlar\u0131 90%\u2019ye ula\u015fabilir<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, se\u00e7ilen \u00fc\u00e7\u00fcnc\u00fc taraf sistemlere ba\u011flan\u0131r <a 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\">PEP ve yapt\u0131r\u0131mlar<\/a> sa\u011flay\u0131c\u0131lara ba\u011f\u0131ml\u0131l\u0131\u011f\u0131 azalt\u0131rken, m\u00fc\u015fteri ana verilerini egemen \u0130svi\u00e7re veya \u015firket i\u00e7i (on-premise) ortamlarda tutmaktad\u0131r. Bu yakla\u015f\u0131m, hassas ve y\u00fcksek riskli bireylerin verileri i\u00e7in d\u0131\u015f altyap\u0131ya olan ba\u011f\u0131ml\u0131l\u0131\u011f\u0131 azalt\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-sovereign-platforms-matter-for-pep-management\"><span class=\"ez-toc-section\" id=\"Why_Sovereign_Platforms_Matter_for_PEP_Management\"><\/span>Egemen Platformlar\u0131n PEP Y\u00f6netimi \u0130\u00e7in Neden \u00d6nemli Oldu\u011fu<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Siyasi a\u00e7\u0131dan n\u00fcfuz sahibi ki\u015fi (PEP) verilerini i\u015fleyen kurumlar, son derece hassas ki\u015fisel ve finansal bilgileri y\u00f6netmektedir. Avrupal\u0131 ve uluslararas\u0131 firmalar aras\u0131nda, politik a\u00e7\u0131dan hassas veri setleri i\u00e7in Amerikan veya \u00c7in bulut platformlar\u0131na g\u00fcvenme konusunda endi\u015feler bulunmaktad\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Banka Gizlili\u011fi Yasas\u0131 (Bank Secrecy Act) ve CLOUD Yasas\u0131 gibi ABD'nin s\u0131n\u0131r \u00f6tesi yasalar\u0131, veri eri\u015fimi a\u00e7\u0131s\u0131ndan potansiyel riskler olu\u015fturmaktad\u0131r. Benzer \u015fekilde, \u00c7in'in veri yasalar\u0131 da denetime tabi kurumlar i\u00e7in egemenlik endi\u015felerini art\u0131rmaktad\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, \u0130svi\u00e7re'de bar\u0131nd\u0131r\u0131labilen veya \u015firket i\u00e7i (on-premise) olarak kurulabilen \u0130svi\u00e7re egemenli\u011finde bir CRM ve otomasyon platformu sunar. Bu model:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hassas uyumluluk verileri \u00fczerinde m\u00fc\u015fteri egemenli\u011fini korur<\/li>\n\n\n\n<li>GDPR ve FINMA uyumluluk gereksinimlerini destekler<\/li>\n\n\n\n<li>Yarg\u0131 yetkisinin s\u0131n\u0131rlar\u0131 a\u015fan yasal \u00e7er\u00e7evelere maruz kalmay\u0131 azalt\u0131r<\/li>\n\n\n\n<li>G\u00fc\u00e7 sahipleri, veri i\u015fleme uygulamalar\u0131 \u00fczerinde \u00f6nemli bir etkiye sahiptir<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Etkili PEP tan\u0131m\u0131, s\u0131n\u0131fland\u0131rmas\u0131 ve taramas\u0131, g\u00fcvenli ve ba\u011f\u0131ms\u0131z bir teknoloji altyap\u0131s\u0131 gerektirir. Mevzuata uyumsuzluk cezalar\u0131ndan ka\u00e7\u0131nma hedeflerine ula\u015f\u0131rken uyum operasyonlar\u0131 \u00fczerindeki n\u00fcfuzlar\u0131n\u0131 korumak isteyen kurumlar, hem veriyi hem de operasyonel ba\u011f\u0131ms\u0131zl\u0131\u011f\u0131 koruyan egemen platformlar\u0131 de\u011ferlendirmelidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Birden fazla yarg\u0131 alan\u0131ndaki yerli ve yabanc\u0131 PEP'lerle i\u015f ili\u015fkilerini y\u00f6neten firmalar i\u00e7in sa\u011flam risk y\u00f6netimi s\u00fcre\u00e7leri ve egemen teknolojinin birle\u015fimi, uzun vadeli uyum ba\u015far\u0131s\u0131n\u0131n temelini olu\u015fturur.<\/p>","protected":false},"excerpt":{"rendered":"<p>A politically exposed person (PEP) is an individual who holds, or has previously held, a prominent public function that may increase their exposure to corruption, bribery and financial crime. This term politically exposed person sits at the heart of anti money laundering (AML) and counter terrorism financing frameworks used by financial institutions worldwide. The core [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":49555,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[968,103],"class_list":["post-49554","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-compliance","tag-finance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.3 (Yoast SEO v28.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>PEP Definition: The Risks of Politically Exposed Persons | InvestGlass<\/title>\n<meta name=\"description\" content=\"Understand the PEP definition and the importance of monitoring politically exposed persons in financial compliance.\" \/>\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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