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Annex 2 – Factors of Potentially Higher Residual Risk

Annex 2 – Factors of Potentially Higher Residual Risk

Annex 2 - Factors of Potentially Higher Residual Risk

 

Annex 2 – Factors of Potentially Higher Residual Risk

The list is a non-exhaustive enumeration of factors and possible indicators for a potentially lower residual risk pursuant to §15:

1.Factors with respect to client-related risk:

a) extraordinary circumstances of the client relationship;

b) clients with residence in geographical areas with a high residual risk according to Number 3;

c) legal persons or legal agreements which serve as instruments for private asset management;

d) undertakings with nominal shareholders or share issued as bearer shares;

e) undertakings with an ownership structure which seems unususal or excessively complicated in the light of the type

f) undertakings with an ownership structure which seems unusual or excessively complicated in the light of the type of buisness activity;

 

Annex 2 – Factors of Potentially Higher Residual Risk

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

a) servicing of wealthy private clients;

b) products or transactions that might foster anonymity;

c) buisness realtionships or transactions without personal contracts and without certain safety measures such as e. g. electronic signatures;

d) receipt of payments from unknown or not connected third parties;

e) new products and new buisness models, including new distribution mechanisms and use of new technologies or technologies under development for new or already existing products;

 

Annex 2 – Factors of Potentially Higher Residual Risk

3. Factors with respect to the geographical risk:

a) countries identified irrespective of Article 9 of Directive (EU) 2015/849 the financial systems of which, according to credible sources (e. g. mutual evaluation, detailed assesment reports or published follow-up reports) do not have sufficient sytems for prevention, detection and combating money laundering and terrorist financing;

b) third states in which the level of coruption and other criminal activites is significantly strong according to credible sources;

c) states on which sanctions, embargoes or similar measures were imposed for Instance by the European Union or the Unites Nations;

d) states which support terrorist activites financially or by other means or in which organisation known as a terrorist are active.

 

Annex 2 – Factors of Potentially Higher Residual Risk

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

 

Annex 2 – Factors of Potentially Higher Residual Risk

 

Compliance & Geldwäschebeauftragter – Annex 2 – Factors of Potentially Higher 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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