{"id":49981,"date":"2026-05-18T21:59:28","date_gmt":"2026-05-18T19:59:28","guid":{"rendered":"https:\/\/www.investglass.com\/?p=49981"},"modified":"2026-04-28T22:03:14","modified_gmt":"2026-04-28T20:03:14","slug":"finansal-kuruluslar-siyasi-nufuz-sahibi-kisileri-pep-nasil-ele-almalidir","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/tr\/how-should-financial-institutions-handle-politically-exposed-persons-peps\/","title":{"rendered":"Finans Kurulu\u015flar\u0131 Siyasi N\u00fcfuz Sahibi Ki\u015filerle (PEP'ler) Nas\u0131l Ba\u015fa \u00c7\u0131kmal\u0131?"},"content":{"rendered":"<h2 class=\"wp-block-heading\" id=\"h-introduction-to-politically-exposed-persons-peps\"><span class=\"ez-toc-section\" id=\"Introduction_to_Politically_Exposed_Persons_PEPs\"><\/span>Politikaya N\u00fcfuz Etmi\u015f Ki\u015filere (PEP) 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), \u015fu anda veya ge\u00e7mi\u015fte \u00f6nemli bir kamusal g\u00f6revle g\u00f6revlendirilmi\u015f bir ki\u015fidir. \u2018PEP\u2019 terimi, kapsam dahilindeki uyum, risk de\u011ferlendirmesi ve durum tespiti s\u00fcre\u00e7lerinde yayg\u0131n olarak kullan\u0131lmaktad\u0131r <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\">fi\u0307nansal kurumlar<\/a>. PEP'lerin (Politik N\u00fcfuz Sahibi Ki\u015filer) tan\u0131mlanmas\u0131 ve izlenmesi, kara para aklama ile m\u00fccadele (AML) \u00e7abalar\u0131n\u0131n kritik bir bile\u015fenidir; \u00e7\u00fcnk\u00fc bu ki\u015filer, kamu fonlar\u0131n\u0131, s\u00f6zle\u015fmeleri ve d\u00fczenleyici kararlar\u0131 kontrol etme veya bunlar \u00fczerinde n\u00fcfuz sahibi olma yetenekleri nedeniyle daha y\u00fcksek r\u00fc\u015fvet, yolsuzluk ve kara para aklama riski ta\u015f\u0131rlar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">PEP stat\u00fcs\u00fc, yasad\u0131\u015f\u0131 serveti gizlemek i\u00e7in arac\u0131 olarak g\u00f6rev yapabilecek belirli aile \u00fcyelerini ve yak\u0131n i\u015f ortaklar\u0131n\u0131 da kapsayacak \u015fekilde birincil bireyin \u00f6tesine uzan\u0131r. E\u015fler, \u00e7ocuklar ve i\u015f ortaklar\u0131, k\u00f6t\u00fcye kullan\u0131lan devlet varl\u0131klar\u0131n\u0131 i\u00e7eren soru\u015fturmalarda s\u0131kl\u0131kla kar\u015f\u0131m\u0131za \u00e7\u0131kmaktad\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Modern PEP kavram\u0131, 1990\u2019larda Nijerya diktat\u00f6r\u00fc Sani Abacha\u2019n\u0131n Nijerya Merkez Bankas\u0131\u2019ndan sistematik olarak yakla\u015f\u0131k $3 ila $5 milyar tutar\u0131nda paray\u0131 ya\u011fmalad\u0131\u011f\u0131 Abacha Olay\u0131 gibi d\u00f6n\u00fcm noktas\u0131 niteli\u011findeki skandallardan ortaya \u00e7\u0131km\u0131\u015ft\u0131r. Bu durum, 2000&#x27;li y\u0131llar\u0131n ba\u015f\u0131ndan itibaren Finansal Eylem G\u00f6rev G\u00fcc\u00fc ve AB d\u00fczenleyicilerini hedef odakl\u0131 \u00f6nlemler geli\u015ftirmeye sevk etti. Finansal kurumlar, yasad\u0131\u015f\u0131 finansal ak\u0131\u015flara arac\u0131l\u0131k etmemelerini sa\u011flamak amac\u0131yla PEP&#x27;leri tespit etmekle yasal olarak y\u00fck\u00fcml\u00fcd\u00fcr.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">PEP olmak ba\u015fl\u0131 ba\u015f\u0131na su\u00e7 de\u011fildir. Bu stat\u00fc, yaln\u0131zca potansiyel yolsuzluk veya ter\u00f6rizmin finansman\u0131 riskiyle ili\u015fkili riskleri azaltmak amac\u0131yla bankalar ve d\u00fczenlemeye tabi firmalar taraf\u0131ndan art\u0131r\u0131lm\u0131\u015f incelemeyi tetikler. PEP'e \u00f6zg\u00fc uyum mevzuat\u0131, devlet yolsuzlu\u011fu, kara para aklama ve ter\u00f6rizmin finansman\u0131 aras\u0131ndaki ba\u011flant\u0131y\u0131 ele al\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, \u015funun bir par\u00e7as\u0131 olarak otomatik PEP tan\u0131mlama ve s\u00fcrekli izlemeyi destekler: <a href=\"https:\/\/www.investglass.com\/tr\/sovereign-ne-anlama-geliyor\/\" target=\"_self\">egemen<\/a> Finansal kurumlar\u0131n Amerikan veya \u00c7in bulut altyap\u0131lar\u0131na ba\u011f\u0131ml\u0131 kalmadan yasal y\u00fck\u00fcml\u00fcl\u00fcklerini yerine getirmelerine yard\u0131mc\u0131 olan \u0130svi\u00e7re men\u015feli CRM ve m\u00fc\u015fteri edinme (onboarding) \u00e7\u00f6z\u00fcm\u00fc. \u00c7o\u011fu finansal kurum, s\u00fcrekli durum tespiti (due diligence) s\u00fcrecinin bir par\u00e7as\u0131 olarak PEP'ler ile ili\u015fkili hesaplar\u0131n geli\u015fmi\u015f izlemesini ger\u00e7ekle\u015ftirir.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/04\/84044f46-b3c3-4084-aaa6-e04909308294.jpg\" alt=\"PEP tespiti\"><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-politically-exposed-person-pep\"><span class=\"ez-toc-section\" id=\"What_Is_a_Politically_Exposed_Person_PEP\"><\/span>Siyasi N\u00fcfuz Sahibi Ki\u015fi (PEP) Nedir?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Politikaya n\u00fcfuz etmi\u015f ki\u015fi terimi, ister yurt i\u00e7inde ister yurt d\u0131\u015f\u0131nda olsun, \u00f6nemli bir kamu g\u00f6revi tevdi edilmi\u015f ki\u015fileri ifade eder. Bu durum, cumhurba\u015fkanlar\u0131, ba\u015fbakanlar ve parlamento \u00fcyeleri gibi kendi \u00fclkelerinde \u00fcst d\u00fczey veya etki sahibi pozisyonlarda bulunan ve finansal i\u015flemleriyle ili\u015fkili potansiyel riskler nedeniyle art\u0131k denetime tabi tutulan devlet yetkililerini kapsar. Mali Eylem G\u00f6rev G\u00fcc\u00fc (FATF) bu kategoriyi \u015funlar\u0131 i\u00e7erecek \u015fekilde tan\u0131mlar:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Devlet veya h\u00fck\u00fcmet ba\u015fkanlar\u0131<\/li>\n\n\n\n<li>\u00dcst d\u00fczey siyaset\u00e7iler ve h\u00fck\u00fcmet bakanlar\u0131<\/li>\n\n\n\n<li>Milletvekilleri ve se\u00e7ilmi\u015f yetkililer<\/li>\n\n\n\n<li>K\u0131demli h\u00e2kimler ve asker\u00ee yetkililer<\/li>\n\n\n\n<li>Merkez bankas\u0131 kurulu \u00fcyeleri<\/li>\n\n\n\n<li>Kamu iktisadi te\u015febb\u00fcslerinin \u00fcst d\u00fczey y\u00f6neticileri<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Mali Eylem G\u00f6rev G\u00fcc\u00fc (FATF), bir\u00e7ok \u00fclkenin benimsedi\u011fi ve \u00f6nemli kamu g\u00f6revlerinde bulunan veya bulunmu\u015f ki\u015fileri i\u00e7eren bir PEP tan\u0131m\u0131 sunmaktad\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Politik olarak n\u00fcfuz sahibi ki\u015filer, kamu fonlar\u0131n\u0131, lisanslar\u0131 ve d\u00fczenleyici kararlar\u0131 kontrol edebildikleri i\u00e7in daha y\u00fcksek riskli PEP'ler olarak kabul edilir. Bu eri\u015fim; g\u00f6revi k\u00f6t\u00fcye kullanma, kamu al\u0131mlar\u0131nda r\u00fc\u015fvet ve yasad\u0131\u015f\u0131 zenginle\u015fme i\u00e7in f\u0131rsatlar yarat\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">PEP'leri i\u00e7eren yayg\u0131n finansal su\u00e7 tipolojileri \u015funlar\u0131 i\u00e7erir:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>Tipoloji<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>A\u00e7\u0131klama<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0130\u00e7erik atma<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Devlet fonlar\u0131n\u0131n do\u011frudan \u00e7al\u0131nmas\u0131 veya sapt\u0131r\u0131lmas\u0131<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Tedarik doland\u0131r\u0131c\u0131l\u0131\u011f\u0131<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Kamu ihalelerinden al\u0131nan r\u00fc\u015fvetler<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Kabuk \u015firketler<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Varl\u0131klar\u0131n ger\u00e7ek lehdarl\u0131k sahipli\u011fini gizleme<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Yurt d\u0131\u015f\u0131 hesaplar<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Fonlar\u0131 zay\u0131f denetime sahip yarg\u0131 b\u00f6lgelerine ta\u015f\u0131ma<\/p><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">PEP tan\u0131mlar\u0131, risk temelli bir bak\u0131\u015f a\u00e7\u0131s\u0131yla yorumlan\u0131r. T\u00fcm PEP'ler ayn\u0131 derecede \u00f6nemli riskler bar\u0131nd\u0131rmaz. Eski bir yerel meclis \u00fcyesi, y\u00fcksek yolsuzluk riski bar\u0131nd\u0131ran bir yarg\u0131 b\u00f6lgesindeki g\u00f6revdeki bir maliye bakan\u0131na k\u0131yasla farkl\u0131 bir muameleyi hak eder.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">PEP'in tan\u0131m\u0131 k\u00fcresel olarak de\u011fi\u015fiklik g\u00f6sterir, ancak genellikle h\u00fck\u00fcmetlerde veya uluslararas\u0131 kurulu\u015flarda \u00fcst d\u00fczey g\u00f6revlerde bulunan ki\u015filerin yan\u0131 s\u0131ra aile \u00fcyelerini ve yak\u0131n i\u015f ortaklar\u0131n\u0131 kapsar.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-categories-and-types-of-peps\"><span class=\"ez-toc-section\" id=\"Categories_and_Types_of_PEPs\"><\/span>PEP'lerin Kategorileri ve T\u00fcrleri<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Modern AML d\u00fczenlemeleri ve MKK \u00e7er\u00e7eveleri, risk temelli muameleyi desteklemek i\u00e7in \u00e7e\u015fitli PEP kategorilerini birbirinden ay\u0131r\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Yerel Siyasi N\u00fcfuz Sahip Ki\u015filer<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yerel PEP'ler kendi \u00fclkelerinde \u00f6nemli g\u00f6revler \u00fcstlenirler. Bunlara \u00f6rnek olarak \u015funlar verilebilir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ulusal kabine \u00fcyeleri<\/li>\n\n\n\n<li>Silahl\u0131 kuvvetlerin \u00fcst d\u00fczey subaylar\u0131<\/li>\n\n\n\n<li>Ulusal vergi veya g\u00fcmr\u00fck kurumlar\u0131n\u0131n \u00fcst d\u00fczey yetkilileri<\/li>\n\n\n\n<li>\u00d6nemli siyasi parti yetkilileri<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Yabanc\u0131 Siyasi N\u00fcfuz Sahip Ki\u015filer<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yabanc\u0131 Siyasi N\u00fcfuz Sahip Ki\u015filer (PEP), bilgi do\u011frulamadaki yetki alan\u0131 zorluklar\u0131 nedeniyle genellikle daha y\u00fcksek riskli kabul edilir. Bu kategori; bakanlar, b\u00fcy\u00fckel\u00e7iler ve di\u011fer \u00fclkelerdeki \u00fcst d\u00fczey yetkililer gibi k\u0131demli yabanc\u0131 siyasi fig\u00fcrleri i\u00e7erir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Uluslararas\u0131 Kurulu\u015f PEP'leri<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Uluslararas\u0131 kurulu\u015flara ait Siyasi N\u00fcfuz Sahibi Ki\u015filer (PEP'ler), Birle\u015fmi\u015f Milletler, Uluslararas\u0131 Para Fonu, D\u00fcnya Bankas\u0131 ve b\u00f6lgesel kalk\u0131nma bankalar\u0131 gibi kurulu\u015flarda \u00fcst d\u00fczey g\u00f6revler y\u00fcr\u00fctmektedir. Bu uluslararas\u0131 kurulu\u015flar\u0131n y\u00f6netim kurulu \u00fcyeleri ve \u00fcst d\u00fczey y\u00f6neticileri uygun bir incelemeye tabi tutulmal\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bir\u00e7ok d\u00fczenleyici rejim, kamu fonlar\u0131 \u00fczerindeki n\u00fcfuzun \u00f6nemli olmaya devam etti\u011fi devlet te\u015febb\u00fcsleri, varl\u0131k fonlar\u0131 ve merkez bankalar\u0131ndaki \u00fcst d\u00fczey ki\u015fileri de kapsamaktad\u0131r.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/04\/ca83f6c6-6380-4030-b0e7-5cb4f3680443.png\" alt=\"G\u00f6rsel, bu yap\u0131lar\u0131n siyasi \u00f6nemini yans\u0131tan g\u00f6rkemli mimariyi sergileyen, bir Avrupa ba\u015fkentindeki tarihi h\u00fck\u00fcmet ve uluslararas\u0131 kurulu\u015f binalar\u0131n\u0131 tasvir etmektedir. Bu binalar genellikle \u00fcst d\u00fczey yabanc\u0131 siyasi fig\u00fcrleri a\u011f\u0131rlamakta ve kara para aklamayla m\u00fccadele d\u00fczenlemeleri ile siyas\u0131 a\u00e7\u0131dan n\u00fcfuz sahibi ki\u015filerin (PEP) tespiti hakk\u0131ndaki tart\u0131\u015fmalar\u0131n merkezinde yer almaktad\u0131r.\"><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-family-members-and-close-associates-of-peps\"><span class=\"ez-toc-section\" id=\"Family_Members_and_Close_Associates_of_PEPs\"><\/span>PEP'lerin Aile Bireyleri ve Yak\u0131n \u0130li\u015fkide Olduklar\u0131 Ki\u015filer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">PEP'lerin birinci derece aile \u00fcyeleri ve yak\u0131n ortaklar\u0131, birincil PEP ad\u0131na mal varl\u0131klar\u0131n\u0131 elde tutmak veya hareket ettirmek i\u00e7in kullan\u0131labilecekleri i\u00e7in tarama gerekliliklerine dahil edilmektedir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kapsamdaki tipik \u00e7ekirdek aile bireyleri \u015funlard\u0131r:<\/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>Karde\u015fler<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Baz\u0131 yarg\u0131 b\u00f6lgeleri kapsam\u0131 kay\u0131nvalide, kay\u0131npeder, gelin, damat ve ayn\u0131 hanede ya\u015fayan di\u011fer akrabalar\u0131 da i\u00e7erecek \u015fekilde geni\u015fletmektedir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yak\u0131n ortaklar, bir SGE (Politik N\u00fcfuz Sahibi Ki\u015fi) ile bilinen yak\u0131n i\u015f veya ki\u015fisel ili\u015fkileri olan ki\u015filerdir. Bunlar \u015funlar\u0131 i\u00e7erir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Eklem <a href=\"https:\/\/www.investglass.com\/pl\/understanding-who-is-a-beneficial-owner-our-guide-to-rules-requirements\/\" target=\"_self\">intifa hakk\u0131 sahipleri<\/a> \u015firketlerin veya tr\u00f6stlerin<\/li>\n\n\n\n<li>Ortak payla\u015f\u0131mda bulunan bireyler <a href=\"https:\/\/www.investglass.com\/tr\/intifa-hakki-sahipligi-bilgileri-nedir\/\" target=\"_self\">intifa hakk\u0131 sahipli\u011fi<\/a> t\u00fczel ki\u015fili\u011fe ait<\/li>\n\n\n\n<li>\u00d6nemli finansal ba\u011flar\u0131 olan herhangi bir i\u015f orta\u011f\u0131<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Durum tespiti s\u00fcre\u00e7leri, \u015feffafl\u0131k ve kara para aklamay\u0131 \u00f6nleme (AML) d\u00fczenlemelerine uyum a\u00e7\u0131s\u0131ndan kritik \u00f6nem ta\u015f\u0131d\u0131\u011f\u0131 i\u00e7in varl\u0131klar\u0131n veya hesaplar\u0131n tek ger\u00e7ek faydalanma hakk\u0131na sahip bireyleri de belirlemelidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass kat\u0131l\u0131m i\u015f ak\u0131\u015flar\u0131, aile ve ortak ili\u015fkilerini sistematik olarak yakalayabilir. Platform, ili\u015fkili taraflar\u0131 PEP veri setlerine kar\u015f\u0131 otomatik olarak i\u015faretler., <a href=\"https:\/\/www.investglass.com\/tr\/musteri-hizmetleri-nedir\/\" target=\"_self\">destek veren m\u00fc\u015fteri<\/a> kimlik belirleme gereklilikleri.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-beneficial-ownership-and-peps\"><span class=\"ez-toc-section\" id=\"Beneficial_Ownership_and_PEPs\"><\/span>Ger\u00e7ek Faydalan\u0131c\u0131 ve PEP'ler<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ger\u00e7ek sahiplik, siyasi a\u00e7\u0131dan maruz kalan ki\u015filer (PEP\u2019ler) ile ili\u015fkili risklerin tespitinde ve y\u00f6netiminde hayati bir rol oynar. Kara para aklama ve ter\u00f6r\u00fcn finansman\u0131yla m\u00fccadele ba\u011flam\u0131nda, ger\u00e7ek sahiplik, bir \u015firket, tr\u00f6st veya ortakl\u0131k gibi t\u00fczel ki\u015fili\u011fin nihai olarak sahibi veya kontrol\u00fc elinde bulunduran ger\u00e7ek ki\u015fiyi veya ki\u015fileri ifade eder. Finansal kurumlar i\u00e7in, ger\u00e7ek m\u00fclkiyeti anlamak hayati \u00f6nem ta\u015f\u0131r; zira bu, standart m\u00fc\u015fteri kabul s\u00fcrecinde ilk bak\u0131\u015fta fark edilemeyen gizli ili\u015fkileri ve potansiyel riskleri ortaya \u00e7\u0131karmaya yard\u0131mc\u0131 olur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bir PEP dahil oldu\u011funda, \u00f6zellikle de ger\u00e7ek lehtar birinci dereceden bir aile \u00fcyesi veya yak\u0131n bir ortak oldu\u011funda, kara para aklama ve di\u011fer finansal su\u00e7lar\u0131n riski artar. Bu ki\u015filer, varl\u0131klar\u0131n ger\u00e7ek sahipli\u011fini gizlemek veya yasad\u0131\u015f\u0131 fonlar\u0131n hareketini kolayla\u015ft\u0131rmak i\u00e7in kullan\u0131labilir. Mali Eylem G\u00f6rev G\u00fcc\u00fc (FATF) ve di\u011fer d\u00fczenleyici kurumlar, yaln\u0131zca PEP'in kendisinin de\u011fil, ayn\u0131 zamanda e\u015fler, \u00e7ocuklar, ebeveynler ve i\u015f ortaklar\u0131 dahil olmak \u00fczere onlarla ba\u011flant\u0131l\u0131 t\u00fcm ger\u00e7ek lehtarlar\u0131n tespit edilmesinin \u00f6nemini vurgulamaktad\u0131r. Bu daha kapsaml\u0131 yakla\u015f\u0131m, finansal kurulu\u015flar\u0131n PEP'leri tespit etmesini ve potansiyel risklerin t\u00fcm yelpazesini de\u011ferlendirmesini sa\u011flar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Finansal kurumlar, ger\u00e7ek sahipleri tespit etmek ve bunlar\u0131n siyasi a\u00e7\u0131dan maruz kalan ki\u015filer (PEP) ile olan ili\u015fkilerini de\u011ferlendirmek \u00fczere risk temelli prosed\u00fcrler uygulamakla y\u00fck\u00fcml\u00fcd\u00fcr. Bu, kapsaml\u0131 bir durum tespiti y\u00fcr\u00fctmeyi, ger\u00e7ek sahiplerin kimli\u011fini do\u011frulamay\u0131 ve i\u015f ili\u015fkisinin niteli\u011fini anlamay\u0131 i\u00e7erir. Geli\u015fmi\u015f durum tespiti \u00f6nlemleri, yabanc\u0131 PEP&#x27;ler veya kamuya mal olmu\u015f \u00f6nemli bir pozisyonda bulunan ki\u015filer gibi daha y\u00fcksek riskli m\u00fc\u015fterilerle \u00e7al\u0131\u015f\u0131rken \u00f6zellikle \u00f6nemlidir. Ger\u00e7ek sahiplikteki de\u011fi\u015fiklikler veya yeni yak\u0131n i\u015f ortaklar\u0131n\u0131n ortaya \u00e7\u0131kmas\u0131, bir m\u00fc\u015fterinin risk profilini de\u011fi\u015ftirebilece\u011finden, s\u00fcrekli izleme de hayati \u00f6nem ta\u015f\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yasal beklentiler yarg\u0131 yetkisi alan\u0131na g\u00f6re de\u011fi\u015fiklik g\u00f6sterse de temel ilke ayn\u0131 kal\u0131r: Finansal kurumlar, riski azaltmak i\u00e7in ger\u00e7ek sahipli\u011fi tespit edebilmeli ve do\u011frulayabilmelidir. \u00d6rne\u011fin, Avustralya h\u00fck\u00fcmet kurumu, siyasi n\u00fcfuz sahibi ki\u015filer (PEP&#x27;ler) ve bunlar\u0131n ger\u00e7ek sahipleriyle ilgili \u015f\u00fcpheli faaliyetlerin bildirilmesini zorunlu k\u0131larken, uluslararas\u0131 standartlar ise ger\u00e7ek sahiplik bilgilerinin d\u00fczenli olarak g\u00f6zden ge\u00e7irilmesini ve g\u00fcncellenmesini gerektirmektedir. \u015e\u00fcpheli faaliyetlerin bildirilmesi ve s\u00fcrekli izleme, siyasi n\u00fcfuz sahibi ki\u015filer ve bunlar\u0131n a\u011flar\u0131yla ba\u011flant\u0131l\u0131 finansal su\u00e7lar\u0131n tespit edilmesi ve \u00f6nlenmesinde hayati \u00f6neme sahip ara\u00e7lard\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fcm PEP\u2019lerin veya bunlar\u0131n ger\u00e7ek sahiplerinin ayn\u0131 d\u00fczeyde risk olu\u015fturmad\u0131\u011f\u0131n\u0131n fark\u0131nda olmak \u00f6nemlidir. Kapsaml\u0131 bir risk de\u011ferlendirmesi, t\u00fczel ki\u015fili\u011fin niteli\u011fi, PEP&#x27;in co\u011frafi konumu, fonlar\u0131n kayna\u011f\u0131 ve i\u015f ili\u015fkisinin g\u00fcc\u00fc gibi fakt\u00f6rleri dikkate almal\u0131d\u0131r. Finansal kurumlar, durum tespiti \u00f6nlemlerini spesifik ko\u015fullara g\u00f6re uyarlayarak, kaynaklar\u0131n\u0131 en \u00e7ok ihtiya\u00e7 duyulan alanlara odaklayabilir ve daha d\u00fc\u015f\u00fck riskli m\u00fc\u015fteriler i\u00e7in gereksiz aksakl\u0131klar\u0131 \u00f6nleyebilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6zetle, PEP\u2019lerle ilgili ger\u00e7ek lehdarlar\u0131n etkin bir \u015fekilde y\u00f6netilmesi, kara para aklama ve ter\u00f6r\u00fcn finansman\u0131yla m\u00fccadelenin temel ta\u015flar\u0131ndan biridir. Ger\u00e7ek lehdarlar\u0131 tespit ederek, s\u00fcrekli izleme faaliyetleri y\u00fcr\u00fcterek ve riske dayal\u0131 prosed\u00fcrler uygulayarak, finansal kurumlar kara para aklama riskini azaltabilir, finansal sistemin b\u00fct\u00fcnl\u00fc\u011f\u00fcn\u00fc koruyabilir ve k\u00fcresel ve yerel d\u00fczenlemeler kapsam\u0131nda yasal y\u00fck\u00fcml\u00fcl\u00fcklerini yerine getirebilirler.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-legal-and-regulatory-framework-for-peps\"><span class=\"ez-toc-section\" id=\"Legal_and_Regulatory_Framework_for_PEPs\"><\/span>PEP'ler i\u00e7in Yasal ve D\u00fczenleyici \u00c7er\u00e7eve<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Uluslararas\u0131 \u00e7er\u00e7eve, 200\u2019den fazla yarg\u0131 b\u00f6lgesinde kara para aklama ve ter\u00f6r\u00fcn finansman\u0131yla m\u00fccadele rejimlerini etkileyen FATF Tavsiyeleri\u2019ne dayanmaktad\u0131r. FATF Tavsiyesi 12, \u00f6zellikle PEP\u2019ler i\u00e7in daha kapsaml\u0131 durum tespiti yap\u0131lmas\u0131n\u0131 zorunlu k\u0131lmaktad\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avrupa Birli\u011fi, PEP kavramlar\u0131n\u0131 ard\u0131\u015f\u0131k kara para aklama d\u00fczenlemelerine dahil etmi\u015ftir:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><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>\u00d6nemli Geli\u015fme<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u00dc\u00e7\u00fcnc\u00fc AMLD<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>2005<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u0130lk resmi PEP gereksinimleri<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>D\u00f6rd\u00fcnc\u00fc AMLD<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>2015<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Yerel PEP'lere geni\u015fletildi<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Be\u015finci AMLD<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>2018<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>G\u00fc\u00e7lendirilmi\u015f ger\u00e7ek faydalan\u0131c\u0131 sicilleri<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Alt\u0131nc\u0131 Aklama \u00d6ncesi Direktifi<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>2020<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Art\u0131r\u0131lm\u0131\u015f cezai sorumluluk<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>2024 Kara Para Aklamayla M\u00fccadele Paketi<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>2024<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Kripto varl\u0131klar ve halka a\u00e7\u0131k ger\u00e7e\u011fe ayk\u0131r\u0131\/faydal\u0131 m\u00fclkiyet sicilleri<\/p><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u00dclkelere g\u00f6re uygulamalar farkl\u0131l\u0131k g\u00f6stermektedir. Birle\u015fik Krall\u0131k\u2019taki Kara Para Aklama Y\u00f6netmelikleri, eski PEP\u2019lerin en az 12 ay boyunca y\u00fcksek riskli olarak de\u011ferlendirilmesini gerektirmektedir. Kanada\u2019daki PCMLTFA k\u0131lavuzunda, PEP\u2019lerin be\u015f y\u0131l boyunca izlenmesi gerekti\u011fi belirtilmektedir. Singapur MAS bildirimlerinde ise belirsiz e\u015fle\u015ftirme ve olumsuz medya kontrolleri \u00fczerinde durulmaktad\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Resmi bir k\u00fcresel PEP listesi mevcut de\u011fildir. D\u00fczenleyiciler ilkeleri belirler ve firmalar\u0131n risk tabanl\u0131 prosed\u00fcrler ile art\u0131r\u0131lm\u0131\u015f durum tespiti uygulamas\u0131n\u0131 \u015fart ko\u015far. Yetersiz kontroller i\u00e7in cezalar olduk\u00e7a a\u011f\u0131rd\u0131r. Santander, PEP denetimsizlikleri de dahil olmak \u00fczere AML (kar aklama \u00f6nleme) ihlalleri nedeniyle 2022 y\u0131l\u0131nda 107,4 milyon Sterlin para cezas\u0131 alm\u0131\u015ft\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-pep-identification-matters-for-aml-and-kyc\"><span class=\"ez-toc-section\" id=\"Why_PEP_Identification_Matters_for_AML_and_KYC\"><\/span>AML ve KYC i\u00e7in PEP Tan\u0131mlamas\u0131 Neden \u00d6nemlidir<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">PEP tespiti, d\u00fcnya \u00e7ap\u0131ndaki kara para aklaman\u0131n \u00f6nlenmesi, ter\u00f6r\u00fcn finansman\u0131n\u0131n \u00f6nlenmesi ve yolsuzlukla m\u00fccadele rejimlerinin temel hedefleriyle do\u011frudan ba\u011flant\u0131l\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hesap a\u00e7\u0131l\u0131\u015f\u0131nda erken tespit, m\u00fc\u015fterilerin risk s\u0131n\u0131fland\u0131rmas\u0131n\u0131n do\u011fru bir \u015fekilde yap\u0131lmas\u0131n\u0131 ve uygun durum tespiti \u00f6nlemlerinin al\u0131nmas\u0131n\u0131 destekler. Bu da a\u015fa\u011f\u0131dakilere maruz kalma riskini azalt\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Paravan \u015firketler arac\u0131l\u0131\u011f\u0131yla para aklama<\/li>\n\n\n\n<li>Yapt\u0131r\u0131m ihlalleri<\/li>\n\n\n\n<li>Yolsuzluktan kaynaklanan haks\u0131z servet edinimi<\/li>\n\n\n\n<li>Y\u00fcksek kara para aklama ve ter\u00f6r\u00fcn finansman\u0131 riskleri<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">1MDB skandal\u0131 bu potansiyel riskleri a\u00e7\u0131k\u00e7a ortaya koydu. Malezyal\u0131 yetkililer, siyasi n\u00fcfuz sahibi ki\u015filer (PEP\u2019ler) ve i\u015f ortaklar\u0131 arac\u0131l\u0131\u011f\u0131yla yakla\u015f\u0131k $4,5 milyar tutar\u0131nda para aklad\u0131lar; bunun sonucunda, olaya kar\u0131\u015fan bankalara toplamda $10 milyardan fazla para cezas\u0131 kesildi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bankalar, varl\u0131k y\u00f6neticileri, sigortac\u0131lar ve fintech'ler i\u00e7in itibar riskleri olduk\u00e7a b\u00fcy\u00fckt\u00fcr. \u00dcst d\u00fczey yolsuzlu\u011fa arac\u0131l\u0131k etmek, m\u00fc\u015fteri g\u00fcvenine zarar verir ve d\u00fczenleyici m\u00fcdahalelere davetiye \u00e7\u0131kar\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, PEP ve yapt\u0131r\u0131m taramas\u0131n\u0131 \u015fu entegre ediyor: <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> ve CRM i\u015f ak\u0131\u015flar\u0131. Bu, kurumlar\u0131n veri egemenli\u011fini korurken uyumluluk stratejilerini verimli bir \u015fekilde yerine getirmelerine yard\u0131mc\u0131 olur.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pep-lists-datasets-and-screening\"><span class=\"ez-toc-section\" id=\"PEP_Lists_Datasets_and_Screening\"><\/span>PEP Listeleri, Veri Setleri ve Taramas\u0131<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">PEP taramas\u0131; kamu kay\u0131tlar\u0131, resmi gazeteler, yapt\u0131r\u0131m listeleri ve medya kaynaklar\u0131 kullan\u0131larak ticari sa\u011flay\u0131c\u0131lar taraf\u0131ndan derlenen veri setlerine dayan\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Birle\u015fmi\u015f Milletler ve CIA gibi kurulu\u015flar belirli kamu g\u00f6revlisi listelerini yay\u0131nlamaktad\u0131r, ancak bunlar eksiksiz PEP veri k\u00fcmeleri de\u011fildir. Bu listeler, kapsaml\u0131 bir PEP kapsam\u0131 sunmak yerine belirli g\u00f6revleri veya yapt\u0131r\u0131m uygulanan ki\u015fileri i\u00e7ermektedir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Serbest veya statik listelerin s\u0131n\u0131rlamalar\u0131 \u015funlard\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>G\u00fcncel olmayan bilgiler<\/li>\n\n\n\n<li>Geli\u015fmekte olan piyasalar\u0131n eksik kapsam\u0131<\/li>\n\n\n\n<li>Daha y\u00fcksek yanl\u0131\u015f pozitif oranlar\u0131<\/li>\n\n\n\n<li>\u0130sim varyasyonlar\u0131 nedeniyle ka\u00e7\u0131r\u0131lan e\u015fle\u015fmeler<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00fczenlemeye tabi firmalar genellikle g\u00fcnl\u00fck olarak g\u00fcncellenen elektronik tarama ara\u00e7lar\u0131 kullan\u0131r. Bu ara\u00e7lar, PEP'leri (siyasi n\u00fcfuz sahibi ki\u015fileri) do\u011fru bir \u015fekilde belirlemek i\u00e7in bulan\u0131k isim e\u015fle\u015ftirmesine, uyruk filtrelerine ve rol tabanl\u0131 risk puanlamas\u0131na olanak tan\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, g\u00fcvenilir PEP ve yapt\u0131r\u0131m veri sa\u011flay\u0131c\u0131lar\u0131 ile ba\u011flant\u0131 kurar. M\u00fc\u015fteriler, PEP taramalar\u0131n\u0131 tamamen \u0130svi\u00e7re egemen ortam\u0131nda ger\u00e7ekle\u015ftirebilir, hassas veriler \u00fczerinde kontrol sa\u011flayabilir ve Amerikan veya \u00c7in bulut ekosistemlerine ba\u011f\u0131ml\u0131l\u0131ktan ka\u00e7\u0131nabilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-enhanced-due-diligence-edd-for-peps\"><span class=\"ez-toc-section\" id=\"Enhanced_Due_Diligence_EDD_for_PEPs\"><\/span>PEP'ler i\u00e7in Geli\u015fmi\u015f M\u00fc\u015fteri Durum Tespiti (EDD)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Geli\u015fmi\u015f durum tespiti, PEP muamelesini, daha d\u00fc\u015f\u00fck riskli m\u00fc\u015fterilere uygulanan standart m\u00fc\u015fteri durum tespitinden ay\u0131r\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yayg\u0131n EDD \u00f6nlemleri \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 bilgilerinin elde edilmesi<\/li>\n\n\n\n<li>\u0130\u015f ili\u015fkisi kurulmadan \u00f6nce \u00fcst y\u00f6netim onay\u0131<\/li>\n\n\n\n<li>Banka hesaplar\u0131nda daha s\u0131k\u0131 i\u015flem limitleri<\/li>\n\n\n\n<li>Kamu kay\u0131tlar\u0131 ve \u015firket sicilleri kullan\u0131larak yap\u0131lan ba\u011f\u0131ms\u0131z do\u011frulama<\/li>\n\n\n\n<li>Olumsuz medya taramas\u0131 ve \u015f\u00fcpheli i\u015flem bildirimi protokolleri<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Firmalar, YTDD (yo\u011funla\u015ft\u0131r\u0131lm\u0131\u015f m\u00fc\u015fteri tan\u0131ma) ad\u0131mlar\u0131n\u0131 kapsaml\u0131 bir \u015fekilde belgelendirmeli, denetim izleri bulundurmal\u0131 ve siyasi n\u00fcfuz d\u00fczeyine orant\u0131l\u0131 periyodik incelemeler sa\u011flamal\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass i\u015f ak\u0131\u015flar\u0131 ve uyumluluk kontrol listeleri, m\u00fc\u015fteri ili\u015fkisi kurulmas\u0131 s\u0131ras\u0131nda PEP stat\u00fcs\u00fc tespit edildi\u011finde EDD g\u00f6revlerini otomatik olarak tetikleyecek \u015fekilde yap\u0131land\u0131r\u0131labilir.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"638\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/blog-post-customer-stories-omega-intro-1024x638.jpg\" alt=\"m\u00fc\u015fteri\" class=\"wp-image-49714\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/blog-post-customer-stories-omega-intro-1024x638.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/blog-post-customer-stories-omega-intro-300x187.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/blog-post-customer-stories-omega-intro-768x478.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/blog-post-customer-stories-omega-intro-18x12.jpg 18w, https:\/\/www.investglass.com\/wp-content\/uploads\/blog-post-customer-stories-omega-intro.jpg 1220w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">m\u00fc\u015fteri<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-ongoing-monitoring-and-duration-of-pep-status\"><span class=\"ez-toc-section\" id=\"Ongoing_Monitoring_and_Duration_of_PEP_Status\"><\/span>Devam Eden \u0130zleme ve PEP Durumunun S\u00fcresi<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">PEP riski, m\u00fc\u015fteri kabul s\u00fcreciyle s\u0131n\u0131rl\u0131 de\u011fildir. \u0130\u015flemlerin, davran\u0131\u015flar\u0131n ve siyasi g\u00f6revlerdeki de\u011fi\u015fikliklerin s\u00fcrekli olarak izlenmesi, m\u00fc\u015fteri ili\u015fkisinin devam\u0131 boyunca hayati \u00f6nemini korumaktad\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">FATF k\u0131lavuzlar\u0131 ve sekt\u00f6rdeki genel uygulamalar, bir ki\u015finin g\u00f6revinden ayr\u0131ld\u0131ktan sonra en az 12 ila 18 ay boyunca PEP olarak de\u011ferlendirmeye devam edilmesi gerekti\u011fini belirtmektedir. Baz\u0131 yarg\u0131 b\u00f6lgeleri, risk de\u011ferlendirmesine dayal\u0131 olarak bu s\u00fcreyi daha da uzatmaktad\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aile \u00fcyeleri ve yak\u0131n ki\u015filer, s\u00f6z konusu ili\u015fki devam etti\u011fi s\u00fcrece PEP ile ilgili denetimlere tabi kalabilirler.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tipik izleme teknikleri aras\u0131nda \u015funlar yer al\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>B\u00fcy\u00fck veya ola\u011fand\u0131\u015f\u0131 i\u015flemlerle ilgili otomatik uyar\u0131lar<\/li>\n\n\n\n<li>M\u00fc\u015fteri hesaplar\u0131n\u0131n d\u00fczenli olarak g\u00f6zden ge\u00e7irilmesi<\/li>\n\n\n\n<li>PEP ve yapt\u0131r\u0131m verilerine ili\u015fkin g\u00fcncellenmi\u015f tarama<\/li>\n\n\n\n<li>\u015e\u00fcpheli faaliyetlerin tespit edilmesi ve \u00fcst d\u00fczey yetkililere bildirilmesi<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass\u2019\u0131n otomasyon ve yapay zeka ara\u00e7lar\u0131, s\u00fcrekli risk de\u011ferlendirmesini destekler. Hassas m\u00fc\u015fteri verileri, \u0130svi\u00e7re\u2019deki veya \u015firket i\u00e7i altyap\u0131 i\u00e7inde tutulur ve b\u00f6ylece veri egemenli\u011fi korunur.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-risk-based-approach-and-customer-risk-profiling\"><span class=\"ez-toc-section\" id=\"Risk_Based_Approach_and_Customer_Risk_Profiling\"><\/span>Risk Temelli Yakla\u015f\u0131m ve M\u00fc\u015fteri Risk Profili Olu\u015fturma<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">FATF ve \u00e7o\u011fu d\u00fczenleyici kurum, PEP\u2019lere ger\u00e7ek risk d\u00fczeylerine g\u00f6re farkl\u0131 muamele edilmesini sa\u011flayan risk temelli bir yakla\u015f\u0131m\u0131 desteklemektedir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ba\u015fl\u0131ca risk fakt\u00f6rleri \u015funlard\u0131r:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>Fakt\u00f6r<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>Daha Y\u00fcksek Riskli \u00d6rnek<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>Daha D\u00fc\u015f\u00fck Riskli \u00d6rnek<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>K\u0131dem s\u0131ralamas\u0131<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Devlet ba\u015fkan\u0131<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Yerel meclis \u00fcyesi<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u00dclke riski<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Venezuela (T\u00dcFE 14\/100)<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Danimarka (T\u00dcFE 90\/100)<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Sekt\u00f6r<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Savunma, do\u011fal kaynaklar<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>E\u011fitim, sanat<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u0130\u015flem modelleri<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>B\u00fcy\u00fck ve d\u00fczensiz transferler<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>D\u00fczenli maa\u015f yat\u0131r\u0131mlar\u0131<\/p><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fcm PEP\u2019ler ayn\u0131 riski temsil etmez. \u0130stikrarl\u0131 bir demokrasiden gelen eski bir belediye meclis \u00fcyesi i\u00e7in basitle\u015ftirilmi\u015f kontroller yeterli olabilirken, yolsuzlu\u011fun yayg\u0131n oldu\u011fu bir \u00fclkeden gelen g\u00f6revdeki bir savunma bakan\u0131 i\u00e7in tam EDD ve i\u015flem limitleri gereklidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u015eirketler, puanlama modellerini kullanarak PEP m\u00fc\u015fterilerini d\u00fc\u015f\u00fck, orta ve y\u00fcksek risk kategorilerine ay\u0131rabilir ve izleme \u00e7al\u0131\u015fmalar\u0131n\u0131 buna g\u00f6re uyarlayabilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass <a href=\"https:\/\/www.investglass.com\/ru\/how-crm-helps-with-regulatory-compliance\/\" target=\"_self\">CRM ve uyumluluk<\/a> Mod\u00fcller, \u00f6zel risk puanlama \u00e7er\u00e7evelerini i\u00e7ermektedir. Risk profilleri, m\u00fc\u015fteri kay\u0131tlar\u0131nda do\u011frudan g\u00f6r\u00fcnt\u00fclenir ve \u00f6zenli PEP&#x27;lerin y\u00f6netimini destekler.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-identify-whether-someone-is-a-pep\"><span class=\"ez-toc-section\" id=\"How_to_Identify_Whether_Someone_Is_a_PEP\"><\/span>Bir Ki\u015finin PEP (Siyasete N\u00fcfuz Etmi\u015f Ki\u015fi) Olup Olamayaca\u011f\u0131 Nas\u0131l Anla\u015f\u0131l\u0131r<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">PEP\u2019lerin pratik olarak belirlenmesi, i\u015fe al\u0131m s\u00fcrecinde veya periyodik g\u00f6zden ge\u00e7irme s\u0131ras\u0131nda yap\u0131land\u0131r\u0131lm\u0131\u015f ad\u0131mlar izlenerek ger\u00e7ekle\u015ftirilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. Ad\u0131m: Ayr\u0131nt\u0131l\u0131 ki\u015fisel verileri toplamak<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tam ad\u0131, do\u011fum tarihi, uyru\u011fu, \u00fcstlendi\u011fi kamu g\u00f6revleri ve ger\u00e7ek lehdar paylar\u0131n\u0131 toplay\u0131n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. Ad\u0131m: Veri k\u00fcmelerine g\u00f6re tarama<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ki\u015filer ve ili\u015fkili taraflar i\u00e7in mevcut PEP, yapt\u0131r\u0131mlar ve izleme listesi veri setlerine g\u00f6re otomatik tarama ger\u00e7ekle\u015ftirin. Avustralya h\u00fck\u00fcmet kurumlar\u0131n\u0131n listeleri veya di\u011fer yerel kaynaklara g\u00f6re yap\u0131lan kontrolleri de dahil edin.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. Ad\u0131m: Yerel tan\u0131mlar\u0131 uygulay\u0131n<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sonu\u00e7lar\u0131, yerel yasal tan\u0131mlar ve kurum i\u00e7i politika kriterleri \u0131\u015f\u0131\u011f\u0131nda de\u011ferlendirin. Spor federasyonlar\u0131ndaki \u00fcst d\u00fczey g\u00f6revler gibi s\u0131n\u0131rda kalan durumlar\u0131n \u00fcst makama iletilmesi gerekebilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4. Ad\u0131m: Kararlar\u0131 belgelemek<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">PEP s\u0131n\u0131fland\u0131rmas\u0131 veya s\u0131n\u0131fland\u0131rman\u0131n kald\u0131r\u0131lmas\u0131na ili\u015fkin gerek\u00e7eleri kayda ge\u00e7irin ve d\u00fczenleyici kurumlar\u0131n incelemesi i\u00e7in denetim izlerini saklay\u0131n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass\u2019\u0131n m\u00fc\u015fteri kay\u0131t formlar\u0131, KYC anketleri ve tarama motorlar\u0131, PEP\u2019leri sistematik bir \u015fekilde y\u00f6netmek \u00fczere yap\u0131land\u0131r\u0131labilir ve uyum incelemesi i\u00e7in potansiyel e\u015fle\u015fmeleri i\u015faretleyebilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pep-screening-obligations-and-best-practices\"><span class=\"ez-toc-section\" id=\"PEP_Screening_Obligations_and_Best_Practices\"><\/span>PEP Taramas\u0131 Y\u00fck\u00fcml\u00fcl\u00fckleri ve En \u0130yi Uygulamalar<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Baz\u0131 yarg\u0131 b\u00f6lgeleri PEP listelerine kar\u015f\u0131 tarama yap\u0131lmas\u0131 y\u00f6n\u00fcnde a\u00e7\u0131k bir yasal zorunluluk getirmese de, d\u00fczenleyiciler genellikle makul ve etkili mekanizmalar beklemektedir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">PEP taramas\u0131 i\u00e7in en iyi uygulamalar \u015funlard\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dijital m\u00fc\u015fteri edindep s\u00fcre\u00e7lerine tarama entegre etme<\/li>\n\n\n\n<li>T\u00fcm m\u00fc\u015fteri taban\u0131n\u0131n periyodik olarak yeniden taranmas\u0131<\/li>\n\n\n\n<li>Ger\u00e7ek faydalan\u0131c\u0131lar\u0131n, y\u00f6neticilerin ve imza yetkililerinin taranmas\u0131<\/li>\n\n\n\n<li>PEP kriterlerini tan\u0131mlayan net i\u00e7 politikalar\u0131n s\u00fcrd\u00fcr\u00fclmesi<\/li>\n\n\n\n<li>Y\u00fcksek riskli siyasi n\u00fcfuz sahibi ki\u015filer (PEP'ler) i\u00e7in risk i\u015ftah\u0131n\u0131n, onay seviyelerinin ve eskalasyon s\u00fcre\u00e7lerinin belirlenmesi<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Personel e\u011fitimi \u015fartt\u0131r. <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\">\u0130li\u015fki y\u00f6neticileri<\/a>, uyum g\u00f6revlileri ve \u00f6n b\u00fcro ekipleri, d\u00fczenli ve belirlenmi\u015f hizmet i\u00e7i e\u011fitimler arac\u0131l\u0131\u011f\u0131yla PEP g\u00f6stergelerini ve \u015f\u00fcpheli belirtileri tan\u0131mal\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, yap\u0131land\u0131r\u0131labilir politika kurullar\u0131, onay i\u015f ak\u0131\u015flar\u0131 ve entegre prosed\u00fcr dok\u00fcmantasyonu arac\u0131l\u0131\u011f\u0131yla bu en iyi uygulamalar\u0131 destekler. Bu, kurumlar\u0131n g\u00fc\u00e7l\u00fc AML (Kara Para Aklaman\u0131n \u00d6nlenmesi) d\u00fczenlemelerine uyum sa\u011flamas\u0131na yard\u0131mc\u0131 olur.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-investglass-as-a-sovereign-solution-for-managing-pep-risk\"><span class=\"ez-toc-section\" id=\"InvestGlass_as_a_Sovereign_Solution_for_Managing_PEP_Risk\"><\/span>PEP Risk Y\u00f6netimi \u0130\u00e7in Egemen Bir \u00c7\u00f6z\u00fcm Olarak InvestGlass<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, \u0130svi\u00e7re ba\u011f\u0131ms\u0131z bir CRM ve otomasyon platformudur <a href=\"https:\/\/www.investglass.com\/tr\/kendi%cc%87-ozel-bankanizi-nasil-kurarsiniz\/\" target=\"_self\">Bankalar i\u00e7in \u00fcretildi<\/a>, Amerikan veya \u00c7in teknoloji platformlar\u0131na alternatif arayan varl\u0131k y\u00f6neticileri, sigortac\u0131lar ve di\u011fer d\u00fczenlenmi\u015f kurumlar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Platform \u0130svi\u00e7re'de bar\u0131nd\u0131r\u0131labilir veya \u015firket i\u00e7inde (on-premise) kurulabilir. Bu, kurumlara PEP verileri \u00fczerinde tam kontrol sa\u011flar ve m\u00fc\u015fteri bilgilerinin egemenli\u011fini korur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass temel yetenekleri tek bir ortamda birle\u015ftirir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Entegre KYC formlar\u0131yla dijital m\u00fc\u015fteri edinimi<\/li>\n\n\n\n<li>G\u00fcvenilir veri sa\u011flay\u0131c\u0131lar\u0131na kar\u015f\u0131 PEP ve yapt\u0131r\u0131m taramas\u0131<\/li>\n\n\n\n<li><a href=\"https:\/\/www.investglass.com\/tr\/2025te-akilli-yatirimcilar-icin-en-iyi-6-ucretsiz-portfoy-yonetimi-yazilimi\/\" target=\"_self\">Portf\u00f6y y\u00f6netim ara\u00e7lar\u0131<\/a><\/li>\n\n\n\n<li>M\u00fc\u015fteri ileti\u015fimi ve pazarlama otomasyonu<\/li>\n\n\n\n<li>Uyumluluk i\u015f ak\u0131\u015f\u0131 otomasyonu<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Veri egemenli\u011finin faydalar\u0131 aras\u0131nda, Avrupa'n\u0131n gizlilik beklentileriyle uyum sa\u011flamak ve hassas siyasi bilgileri i\u015flerken s\u0131n\u0131r \u00f6tesi veri transferi endi\u015felerini azaltmak yer al\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">PEP uyumlulu\u011fu i\u00e7in g\u00fcvenli, Avrupa merkezli ve egemenlik odakl\u0131 bir \u00e7\u00f6z\u00fcm arayan kurulu\u015flar, i\u015f ak\u0131\u015flar\u0131n\u0131 InvestGlass \u00fczerinde merkezile\u015ftirebilirler. Bu yakla\u015f\u0131m, yabanc\u0131 teknoloji ekosistemlerine ba\u011f\u0131ml\u0131l\u0131ktan ka\u00e7\u0131n\u0131rken hem d\u00fczenleyici stat\u00fcy\u00fc hem de m\u00fc\u015fteri g\u00fcvenini korur.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/07\/getty-images-wAj-ZqkD2qg-unsplash-1024x683.jpg\" alt=\"Verilerinizi \u0130svi\u00e7re&#039;de Bar\u0131nd\u0131rmak Daha G\u00fcvenli\" class=\"wp-image-47740\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/07\/getty-images-wAj-ZqkD2qg-unsplash-1024x683.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/07\/getty-images-wAj-ZqkD2qg-unsplash-300x200.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/07\/getty-images-wAj-ZqkD2qg-unsplash-768x512.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/07\/getty-images-wAj-ZqkD2qg-unsplash-1536x1024.jpg 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/07\/getty-images-wAj-ZqkD2qg-unsplash-scaled.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Verilerinizi \u0130svi\u00e7re'de Bar\u0131nd\u0131rmak Daha G\u00fcvenli<\/figcaption><\/figure>","protected":false},"excerpt":{"rendered":"<p>Introduction to Politically Exposed Persons (PEPs) A politically exposed person (PEP) is someone currently or formerly entrusted with a prominent public function. The term &#8216;PEP&#8217; is widely used in compliance, risk assessment, and due diligence processes within financial institutions. Identifying and monitoring PEPs is a critical component of anti-money laundering (AML) efforts, as these individuals [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":49689,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[103,1565],"class_list":["post-49981","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-finance","tag-pep"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.3 (Yoast SEO v28.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Politically Exposed Person: Understanding the Risks | InvestGlass<\/title>\n<meta name=\"description\" content=\"Understand who is classified as a politically exposed person and their role in financial compliance and risk management.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.investglass.com\/tr\/finansal-kuruluslar-siyasi-nufuz-sahibi-kisileri-pep-nasil-ele-almalidir\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Should Financial Institutions Handle Politically Exposed Persons (PEPs)?\" \/>\n<meta property=\"og:description\" content=\"Introduction to Politically Exposed Persons (PEPs) A politically exposed person (PEP) is someone currently or formerly entrusted with a prominent public\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.investglass.com\/tr\/finansal-kuruluslar-siyasi-nufuz-sahibi-kisileri-pep-nasil-ele-almalidir\/\" \/>\n<meta property=\"og:site_name\" content=\"InvestGlass\" \/>\n<meta property=\"article:published_time\" content=\"2026-05-18T19:59:28+00:00\" \/>\n<meta property=\"og:image\" 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