{"id":6028,"date":"2025-02-06T05:50:21","date_gmt":"2025-02-06T05:50:21","guid":{"rendered":"https:\/\/banxa.com\/politica-aml\/"},"modified":"2026-04-23T20:05:18","modified_gmt":"2026-04-23T20:05:18","slug":"politica-aml","status":"publish","type":"page","link":"https:\/\/banxa.com\/pt-br\/politica-aml\/","title":{"rendered":"Pol\u00edtica AML"},"content":{"rendered":"\n<p>A Pol\u00edtica de Preven\u00e7\u00e3o \u00e0 Lavagem de Dinheiro e Financiamento ao Terrorismo (&#8220;Pol\u00edtica AML\/CTF&#8221;) estabelece os processos e controles para nos ajudar a prevenir, identificar, gerenciar e mitigar riscos de estarmos envolvidos em qualquer tipo de atividade ilegal, em particular lavage<\/p>\n\n<p>Lavagem de dinheiro \u00e9 o processo de esconder ou disfar\u00e7ar a origem de fundos obtidos ilegalmente (sujos) para faz\u00ea-los parecer leg\u00edtimos (limpos), por exemplo, filtrando o dinheiro atrav\u00e9s do sistema financeiro. Dessa forma, empresas que oferecem servi\u00e7os financeiros, como a nossa, s\u00e3o especificamente visadas por criminosos.<\/p>\n\n<p>Em resposta \u00e0 escala e ao efeito da lavagem de dinheiro, leis locais e internacionais, incluindo diretivas da Uni\u00e3o Europeia, foram projetadas para combater a lavagem de dinheiro e o financiamento ao terrorismo.<\/p>\n\n<p>Nossa Pol\u00edtica AML\/CTF abrange o seguinte:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Procedimentos de Identifica\u00e7\u00e3o e Verifica\u00e7\u00e3o de Clientes <\/strong>\u2013 temos controles e procedimentos adequados para garantir que sabemos com quem estamos conduzindo neg\u00f3cios, comumente referido como <strong>Conhe\u00e7a Seu Cliente (KYC)<\/strong>, incluindo medidas de <strong>Due Diligence Refor\u00e7ado (EDD)<\/strong> para clientes considerados de maior risco, por exemplo <strong>Pessoas Politicamente Expostas (PEPs)<\/strong><\/li>\n\n\n\n<li><strong>Verifica\u00e7\u00e3o de Cart\u00e3o<\/strong> \u2013 para clientes que usam cart\u00f5es de pagamento, temos procedimentos de verifica\u00e7\u00e3o de cart\u00e3o, por exemplo, Verifica\u00e7\u00e3o de Instrumento de Pagamento (PIV) ou autentica\u00e7\u00e3o 3D Secure.<\/li>\n\n\n\n<li><strong>Transa\u00e7\u00e3o Monitoring &amp; Ongoing Monitoring<\/strong>\u00a0\u2013 we analyse data and transa\u00e7\u00e3oal patterns as a risk-assessment and suspicion detection tool.<\/li>\n\n\n\n<li><strong>Oficial de Comunica\u00e7\u00e3o de Lavagem de Dinheiro (MLRO) \u2013<\/strong> nomeamos um MLRO com n\u00edvel suficiente de senioridade, que tem responsabilidade pela supervis\u00e3o da conformidade com as legisla\u00e7\u00f5es, regulamentos, regras e orienta\u00e7\u00f5es do setor relevantes.<\/li>\n\n\n\n<li><strong>Avalia\u00e7\u00e3o e Gest\u00e3o de Riscos<\/strong> \u2013 adotamos uma abordagem baseada em risco para combater a lavagem de dinheiro e o financiamento ao terrorismo. Conseguimos isso medindo com precis\u00e3o nosso perfil de risco, equilibrando-o com a necessidade de otimizar oportunidades de crescimento financeiro e implementando processos e controles proporcionais aos riscos identificados. Isso nos permite alocar recursos da forma mais<\/li>\n\n\n\n<li><strong>Record Keeping<\/strong>\u00a0\u2013 we maintain and keep appropriate records for legally prescribed periods;<\/li>\n\n\n\n<li><strong>Suspicious Reporting<\/strong>\u00a0\u2013 we report suspicious activity to the relevant law enforcement authorities in all jurisdictions we operate;<\/li>\n\n\n\n<li><strong>Pol\u00edtica de San\u00e7\u00f5es<\/strong> \u2013 realizamos triagem nas listas de san\u00e7\u00f5es das Na\u00e7\u00f5es Unidas, Uni\u00e3o Europeia, Tesouro do Reino Unido e Escrit\u00f3rio de Controle de Ativos Estrangeiros dos EUA (OFAC) em todas as jurisdi\u00e7\u00f5es onde operamos;<\/li>\n\n\n\n<li><strong>Due Diligence de Funcion\u00e1rios e Treinamento de Conscientiza\u00e7\u00e3o de Riscos<\/strong> \u2013 realizamos triagem de todos os funcion\u00e1rios e verifica\u00e7\u00f5es adicionais de antecedentes em funcion\u00e1rios de confian\u00e7a. Fornecemos treinamento para todos os funcion\u00e1rios relevantes de forma cont\u00ednua.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>A Pol\u00edtica de Preven\u00e7\u00e3o \u00e0 Lavagem de Dinheiro e Financiamento ao Terrorismo (&#8220;Pol\u00edtica AML\/CTF&#8221;) estabelece os processos e controles para nos ajudar a prevenir, identificar, gerenciar e mitigar riscos de estarmos envolvidos em qualquer tipo de atividade ilegal, em particular lavage Lavagem de dinheiro \u00e9 o processo de esconder ou disfar\u00e7ar a origem de fundos [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-6028","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pol\u00edtica AML \u2013 Conformidade Anti-Lavagem de Dinheiro | Banxa<\/title>\n<meta name=\"description\" content=\"Read Banxa\u2019s Anti-Money Laundering (AML) Policy. 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