{"id":8265,"date":"2025-02-06T05:50:21","date_gmt":"2025-02-06T05:50:21","guid":{"rendered":"https:\/\/banxa.com\/politica-aml\/"},"modified":"2026-04-26T20:15:17","modified_gmt":"2026-04-26T20:15:17","slug":"politica-aml","status":"publish","type":"page","link":"https:\/\/banxa.com\/ro\/politica-aml\/","title":{"rendered":"Politica AML"},"content":{"rendered":"\n<p>Politica privind combaterea spalarii banilor si finantarii terorismului (\u201ePolitica AML\/CTF&#8221;) stabileste procesele si controalele care ne ajuta sa prevenim, sa identificam, sa gestionam si sa atenuam riscurile de a fi implicati in orice fel de activitate ilegala, in special spalarea banilor.<\/p>\n\n<p>Spalarea banilor este procesul de ascundere sau mascare a sursei unor fonduri obtinute ilegal (\u201emurdare&#8221;) pentru a le face sa para legitime (\u201ecurate&#8221;), de exemplu, prin filtrarea banilor prin sistemul financiar. Prin urmare, companiile care ofera servicii financiare, precum a noastra, sunt vizate in mod specific de infractori.<\/p>\n\n<p>Ca raspuns la amploarea si efectul spalarii banilor, au fost elaborate legi locale si internationale, inclusiv directive ale Uniunii Europene, pentru combaterea spalarii banilor si a finantarii terorismului.<\/p>\n\n<p>Politica noastra AML\/CTF acopera urmatoarele :<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Proceduri de identificare si verificare a clientilor\u00a0<\/strong>\u2013 dispunem de controale si proceduri adecvate pentru a ne asigura ca stim cu cine facem afaceri, denumite in general\u00a0<strong>Know Your Customer (KYC)<\/strong>, inclusiv masuri de\u00a0<strong>Enhanced Due Diligence (EDD)<\/strong>\u00a0pentru clientii considerati cu risc mai ridicat, de exemplu\u00a0<strong>persoane expuse politic (PEP)<\/strong>.<\/li>\n\n\n\n<li><strong>Verificarea cardului<\/strong>\u00a0\u2013 pentru clientii care utilizeaza carduri de plata, dispunem de proceduri de verificare a cardurilor, de exemplu Payment Instrument Verification (PIV) sau autentificare 3D Secure.<\/li>\n\n\n\n<li><strong>Monitorizarea tranzactiilor si monitorizarea continua<\/strong>\u00a0\u2013 analizam datele si tiparele tranzactionale ca instrument de evaluare a riscului si de detectare a suspiciunilor.<\/li>\n\n\n\n<li><strong>Money Laundering Reporting Officer (MLRO) \u2013<\/strong>\u00a0am numit un MLRO cu un nivel suficient de seniority, care raspunde de supravegherea conformitatii cu legislatia, reglementarile, normele si ghidurile de industrie relevante.<\/li>\n\n\n\n<li><strong>Evaluarea si gestionarea riscurilor<\/strong>\u00a0\u2013 am adoptat o abordare bazata pe risc in combaterea spalarii banilor si a finantarii terorismului. Realizam acest lucru masurand cu acuratete profilul nostru de risc, echilibrandu-l cu necesitatea de a optimiza oportunitatile de crestere financiara si implementand procese si controale proportionale cu riscurile identificate. Acest lucru ne permite sa alocam resursele in modurile cele mai eficiente.<\/li>\n\n\n\n<li><strong>Pastrarea evidentelor<\/strong>\u00a0\u2013 pastram si mentinem evidente corespunzatoare pentru perioadele prevazute legal;<\/li>\n\n\n\n<li><strong>Raportarea suspiciunilor<\/strong>\u00a0\u2013 raportam activitatile suspecte autoritatilor de aplicare a legii relevante din toate jurisdictiile in care operam;<\/li>\n\n\n\n<li><strong>Politica de sanctiuni<\/strong>\u00a0\u2013 verificam pe listele de sanctiuni ale Natiunilor Unite, Uniunii Europene, UK Treasury si US Office of Foreign Assets Control (OFAC) in toate jurisdictiile in care operam;<\/li>\n\n\n\n<li><strong>Due Diligence pentru angajati si instruire privind constientizarea riscurilor<\/strong>\u00a0\u2013 verificam toti angajatii si efectuam verificari suplimentare de antecedente pentru angajatii cu responsabilitati. Asiguram instruire continua pentru toti angajatii relevanti.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Politica privind combaterea spalarii banilor si finantarii terorismului (\u201ePolitica AML\/CTF&#8221;) stabileste procesele si controalele care ne ajuta sa prevenim, sa identificam, sa gestionam si sa atenuam riscurile de a fi implicati in orice fel de activitate ilegala, in special spalarea banilor. Spalarea banilor este procesul de ascundere sau mascare a sursei unor fonduri obtinute ilegal [&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-8265","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>Politica AML \u2013 Conformitate anti-spalare a banilor | Banxa<\/title>\n<meta name=\"description\" content=\"Cititi Politica Anti-Money Laundering (AML) Banxa. 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