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Annex 1 – Factors of Potentially Lower Residual Risk

Annex 1 – Factors of Potentially Lower Residual Risk

Further information about AML-CFT – German Version you find direct here:


Annex 1 - Factors of Potentially Lower Residual Risk


Annex 1 – Factors of Potentially Lower Residual Risk

The list is a non-exhautive enumeration of factors and possible indicatiors for a potentially lower residual risk pursuant to § 14:

1. Factors with respect to client-related risk:

a) public undertakings listed on an exchange which (due to the rules of the exchange or by law or due to enforceable instruments) are subjects to such disclosure obligations which impose requirements on ensuring appropriate transparency with respect to the beneficial owner;

b) public admininstrations or undertakings;

c) clients with residence in geographical areas with lower residual risk pursuant to Number 3.

2. Factors with respect to product, service, transaction or distribution channel-related risk:

a) life insurance policies with lower premium;

b) insurance policies for pension insurance agreements, provided that the policies neither include a repurchase clause nor maye serve as collateral for loans;

c) pension systems and pension plans or comporable systems which offer employees old age provision services; contributions are deducted from the salary and the rules of the system do not permit a beneficiary to tranfer his/her rights;

d) financial products or services which offer certain clients appropriately defined and limited services with the objective of their inclusion into the financial system (“financial inclusion”);

e) products their risk exposure to money laundering and terrorist financing is controlled by other factors such as limitations of the electronic purse or the transparency of ownership structures (e.g. certain kinds of e-money).


Annex 1 – Factors of Potentially Lower Residual Risk

3. Factors with respect to the geographical risk:

a) Member States;

b) third states with effecieent systems for prevention, detection and combating money laundering and terrorist financing.

c) third states in which the level of curruption and other criminal activities is weak are according to credible sources;

d) third states the requirements of which on prevention, detection and combating money laudering and terrorist financing correspond, according to credible sources (e.g. mutual evaluation, detailed assessment reports or published follow-up reports) with the revised FATF (Financial Action Task Forc.

e) recommendations and effectively implement these requirements.


Compliance & Geldwäschebeauftragter – Annex 1 – Factors of Potentially Lower Residual Risk

Unsere Praxisseminare Geldwäsche und Fraud – BasisseminarGeldwäsche und Fraud – AufbauseminarGeldwäsche & Fraud – Update und Geldwäsche & Fraud – Forum verschaffen Ihnen einen umfassenden Überblick zu den aktuellen gesetzlichen Neuerungen und unterstützen Sie dabei, Geldwäsche- und Betrugsstrukturen zu erkennen, zu bewerten und rechtzeitig zu verhindern. In den Compliance-Seminaren wie ComplianceCompliance für VertriebsbeauftragteNeue Compliance-Funktion gemäß MaRisk oder auch Compliance im Fokus der Bankenaufsicht werden Ihnen die Ausgestaltung der Schnittstellen zwischen Compliance, Datenschutz, IT, Zentrale Stelle und Interner Revision näher gebracht. Auch die Mindestanforderungen zum Aufbau eines Gesamt-IKS werden hier beispielsweise näher erläutert.

Zudem haben Sie die Chance, nach Teilnahme der Seminare die Zertifizierungslehrgänge zum Compliance Officer, zum AML & Fraud Officer oder zum Geldwäsche-Beauftragter zu absolvieren.

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