• 목록
• 답변
• 글쓰기
• 게시판 리스트 옵션
  • 수정
  • 삭제

In the modern world, financial institutions and companies are actively working on the problem of money laundering and other frauds. To this end, they conduct regular checks of clients and employees. Roman Tereshchenko, a fintech expert, emphasizes the importance of international AML (anti-money laundering) procedures in this fight. He notes that the KYC procedure is applied within its framework, which helps to identify suspicious actions by checking the personal financial biography of individuals. The expert offers to consider how this happens in more detail in the thematic publication.
What to do to avoid becoming a target for fraudsters
The financial analyst draws attention to a potential threat to banks and other financial institutions: some customers may try to use your company for money laundering, i.e. legalization of illegal money. Such assets often come from illegal activities such as terrorism or drug trafficking.
In this case, it is important to realize that standard verification procedures and biographical data analysis can reveal a lot of useful information about new and existing customers," explains Roman Tereshchenko. - The application of KYC (Know Your Customer) procedures, which include identification and verification of individuals, is crucial for preventing financial abuse.
The expert notes that the risk of financial losses due to online identity fraud is growing, and no business is completely protected from such threats. This is especially true for small and medium-sized enterprises, for which the implementation of comprehensive checks can be excessively costly.
"Despite the costs, implementing KYC procedures is extremely important to protect against money laundering and other financial fraud," Tereshchenko said. - "Implementation of such measures can protect your company from serious legal consequences and help maintain your reputation as a reliable partner.
Roman Tereshchenko: how customer verification becomes a counteraction to financial fraud
Roman Tereshchenko says that the KYC procedure consists of four mandatory phases. They help to thoroughly check the financial biography of a potential client for threats to the company.
Client identification. This first stage of the customer identification program (CIP) involves a number of important steps:
Gathering information about the customer, which is actually an analysis of his or her solvency.
Verification of the information through reliable and independent sources to ensure that customers are not included in lists of fraudsters or other persons who violate the law.
In-depth analysis of the submitted identity documents to protect against leakage or theft of personal information.
Risk analysis. At the second stage of KYC, which is known as Customer Due Diligence (CDD), the business analyst emphasizes the following obligations of the company:
Assess the risk of potential customer involvement in criminal activities, such as money laundering.
Establish the level of risk that the client may pose.
If necessary, learn about the goals and expected nature of the business relationship with the customer.
Identify the business owner and verify his or her data. The third stage of KYC is to identify the beneficial owner of the company. If necessary, measures are taken to analyze the ownership structure and control mechanisms of the client. This step contributes to a deeper understanding of the corporate biography, identifying the ultimate owner or manager of the company and терещенко роман викторович verifying their personal data to prevent fraud.
Continuous monitoring and accounting. The fourth stage includes supervision of customer activities to detect and prevent fraudulent or Роман Терещенко біографія other suspicious activities. The company should assess the risks associated with the clients' business, Роман Терещенко біографія identify the sources of their funds to ensure that there is no connection with money laundering. It is also important to regularly update all documentation and information about the person.
According to Roman Tereshchenko, the KYC procedure is key to ensuring financial security and compliance in business. This process helps companies control the financial background of customers and avoid fraud. Through continuous monitoring and risk analysis, companies are able to protect themselves from potential threats such as money laundering and other illegal activities. The expert emphasizes that the effective application of KYC procedures not only complies with legal standards but also helps to build trust in the company, increasing its reputation in the specialized market.