声明
bet9网站app & Co is committed to ensuring that it has adequate controls to counter money laundering activities and terrorist financing activities, 符合法定文书编号.692金融服务, 洗钱, Terrorist Financing and Transfer of Funds (information on the Payer) Regulations 2017.
培训
bet9网站app & Co is committed to staff training in anti-money laundering legislation which includes how to deal with suspect transactions. 伊恩·bet9网站app是反洗钱报告主任(MRLO).
风险评估 & 客户尽职调查
当bet9网站app & 以大多数客户不会洗钱为出发点, we do identify criteria that may indicate a higher risk of money laundering – e.g. 哪里没有面对面的会议来建立身份.
Risk sensitive policies and procedures have been established in order to anticipate and prevent money laundering and terrorist financing. bet9网站app & 询问有关客户的情况, 资金来源 and the purpose and nature of the transaction so an initial assessment of the money laundering risk can be made. bet9网站app & Co will also produce a written risk assessment and will continue to assess risk throughout the relationship. Adherence to the “Due Diligence” identification procedures on every occasion mitigates the risks of the business being used to launder money or fund terrorism.
就供应商而言: bet9网站app & Co verify all Vendors at the start of any matter before accepting instructions to market their property/business. 做遗嘱认证工作，bet9网站app & 核实所有遗嘱执行人(如多于一人)的身分.
就买方而言: bet9网站app & 核实所有采购人员. Checks are carried out on purchasers at the start of the business relationship once an offer has been accepted by a vendor and before sending out Memorandum of Sale.
是bet9网站app & Co’s policy that all vendors and purchasers must be identified fully with a minimum of two forms of ID, evidence of identity being official photographic (passport/driving licence) and also evidence of residence e.g. 最近三个月的水电费账单.
Should a face to face meeting not take place then enhanced due diligence procedures are adopted by asking for additional information or evidence to establish identity, 并确保所提供的文件是经过认证的.
如果身份验证是通过文件完成的，则应基于:
A government issued document with full name and photo, date of birth or residential address such as:
- 有效护照
- 有效的相片卡驾驶执照
- 国民身份证
如果个人没有上述文件之一, 或者不符合风险评估的标准, 我们需要以下资料:
- A Government issued document (without a photo) which includes the client’s full name and also secondary evidence of address, for example an old style driving licence or recent evidence of entitlement to state or local authority funded benefit such as housing benefit, 市政税收优惠, 养老金, 税收抵免.
- Secondary evidence of address (not downloaded from the internet) for example a utility bill, 银行, 建房协会或信用合作社的结算单或最近的抵押结算单.
对于非私人客户, 比如bet9网站app客户和私人公司, bet9网站app必须获得相关的信息.g. 公司注册号, registered address and evidence that the individuals have the authority to act for the company – a search at Companies House will reveal details of directors and company secretary. The above requirements for documentation will be applied to all shareholders holding 25% or more of a business.
For private clients acting as a Representative of an Estate we will require either;
- 授予遗嘱认证
- 遗产管理书
- Individual identity evidence for the personal representative either executor or administrator in the case
简化尽职调查-低风险客户和事项
一般, if a client/matter is considered low risk for money laundering (for example because the client is well known and reputable or well regulated) bet9网站app & 公司可能会采取适当的方法进行尽职调查.
政治人物(pep)
政治人物是指被委以重要公共职能的人. 如果客户是PEP bet9网站app & Co will take adequate measures to establish source of wealth and source funds involved in the transaction and must conduct enhanced ongoing monitoring of the business relationship.
记录
bet9网站app & Co are required to maintain records (including records of client identification and about their transactions) for at least five years from the end of the business relationship with the client. 从客户处收到的个人资料受《bet9网站app》保护. It will only be used or processed for the purposes of preventing money laundering.
可疑活动报告
洗钱举报主任, 认为有理由怀疑洗钱或恐怖主义, will make a Suspicious Activity Report (SAR) to the National Crime Agency (NCA)
什么是可疑活动?
- 现金——任何一方提议以现金支付大笔款项.
- 不明原因的资金转移. 转学到bet9网站app & 公司的银行账户，然后要求转移到另一个.
- 款项直接在当事人之间支付，而不是通过律师或代理人支付.
- Transaction being completed by the parties without the involvement of Solicitors.
- 一种没有明显购买且没有经济意义的交易.
- 不寻常的交易. Where the transaction is without reasonable explanation out of the range of services one would expect to provide to that client or outside the experience of bet9网站app & Co.
- 神秘客户. The client refuses to provide requested information without reasonable explanation including Client ID information
- 不寻常的资金来源. Funds will normally be paid from an account in the payer’s own name maintained with a recognised and reputable financial institution. 如果付款是由第三方或从国外支付的，这可能是一个问题.
- 财富来源不明的交易. 由看似低收入的买家提供的大笔资金.
- 毫无理由地坚持要紧急完成这件事.
- 指定公司拥有的物业, 离岸公司或多个所有者，没有合理的解释.
- 已知卖方犯了取得性犯罪.
- Difficulties with ID of client or beneficial owners including reluctance to attend for ID processes which may suggest impersonation.
- The property being bought in somebody else’s name other than that of the person providing the money or making the decisions. 当然，人们经常帮助亲戚购物. However if there is no family connection or other obvious reason why the third party is providing funding. 这件事应该报告.
- 任何误导贷款人的企图都将受到惩罚.g. 关于借款人的收入或财产的价值.
- The use of shell companies or nominees to own property may indicate mortgage fraud.
- 房产以高得多的价格迅速转售.
- 紧迫感. A client wants a transaction completed as a matter of urgency for no apparent reason.
- 买方和卖方似乎有关联.
- Offer of a bribe or other inducement to complete paperwork incorrectly or to over-value property.
- 买方尚未查看该物业.
- Terrorism – Particular care should be taken where any party to a transaction is believed to have sympathies with a terrorist group.
持续的监控
法规也要求bet9网站app & 负责审查交易，包括在必要时, 资金来源, 确保它们与我们对客户的了解一致, 他们的业务和风险概况. 这意味着保持警惕并报告任何可疑情况.