Anti-Money Laundering & Counter-Terrorism Financing Policy (“AML/CTF Policy”) sets out the processes and controls to help us prevent, identify, manage and mitigate risks of us being involved in any kind of illegal activity, in particular money laundering.
Kara para aklama, yasa dışı yollarla elde edilen (kirli) fonların kaynağını gizleme veya maskeleme işlemidir; örneğin parayı finansal sistem üzerinden geçirerek meşru (temiz) göstermektir. Bu nedenle, bizimki gibi finansal hizmetler sunan şirketler suçlular tarafından özellikle hedef alınmaktadır.
Kara para aklamanın ölçeği ve etkisine karşılık olarak, Avrupa Birliği direktifleri dahil olmak üzere yerel ve uluslararası yasalar, kara para aklama ve terör finansmanı ile mücadele etmek amacıyla tasarlanmıştır.
AML/CTF Politikamız aşağıdakileri kapsamaktadır:
- Customer Identification & Verification Procedures – we have adequate controls and procedures to ensure we know with whom we are conducting business, commonly referred to as Know Your Customer (KYC), including Enhanced Due Diligence (EDD) measures for customers deemed as higher risk, for example Politically Exposed Persons (PEPs).
- Card Verification – for customers using payment cards, we have card verification procedures for example, Payment Instrument Verification (PIV) or 3D Secure authentication.
- Transaction Monitoring & Ongoing Monitoring – we analyse data and transactional patterns as a risk-assessment and suspicion detection tool.
- Money Laundering Reporting Officer (MLRO) – we have appointed a MLRO with sufficient level of seniority, who has responsibility for oversight of compliance with the relevant legislations, regulations, rules and industry guidance.
- Risk Assessment and Management – we have adopted a risk-based approach to combating money laundering and terrorist financing. We achieve this by accurately measuring our risk profile, balancing it with the need to optimise financial growth opportunities, and implementing processes and controls that commensurate with identified risks. This allows us to allocate resources in the most efficient ways.
- Record Keeping – we maintain and keep appropriate records for legally prescribed periods;
- Suspicious Reporting – we report suspicious activity to the relevant law enforcement authorities in all jurisdictions we operate;
- Sanctions Policy – we screen against the United Nations, European Union, UK Treasury and US Office of Foreign Assets Control (OFAC) sanctions lists in all jurisdictions we operate;
- Employee Due Diligence and Risk Awareness Training – we screen all employees and conduct additional background checks on entrusted employees. We provide training for all relevant employees on an ongoing basis.