Kubira mari kana Hawala muUAE: Chii chinonzi Red Flags muAML?

Kubiridzira Mari kana Hawala muUAE

Kubiridzira mari kana Hawala muUAE ndiro izwi rakajairika rinoshandiswa kutaura nezvekuti vatadzi vanovanza sei sosi yemari. 

mari machira uye gandanga mari kutyisidzira kugadzikana kwehupfumi uye kupa mari yezviito zvisiri pamutemo. Saka zvakakwana anti-money laundering (AML) mitemo inokosha. United Arab Emirates (UAE) ine mirairo yakaoma ye AML, uye zvakakosha izvozvo mabhizinesi uye masangano ezvemari anoshanda munyika anonzwisisa zviratidzo zvemureza mutsvuku kuti aone kutengeserana kunofungidzirwa.

Chii chinonzi Money Laundering?

Money laundering zvinosanganisira kuvanza mari isiri pamutemo kwayakatangira zvisiri pamutemo kuburikidza nekuchinjana kwemari kwakaoma. Maitiro aya anogonesa matsotsi kushandisa "tsvina" mari yemhosva kuburikidza nekuita mabhizinesi ari pamutemo. Inogona kutungamirira kune yakaoma money laundering punishment in uae kusanganisira faindi dzakakura uye kuiswa mujeri.

Maitiro ekubira mari akajairwa anosanganisira:

  • Kugadzira madhipoziti emari kudzivirira kushuma zvikumbaridzo
  • Kushandisa shell makambani kana fronts kuvanza muridzi
  • Smurfing - kuita akawanda madiki mubhadharo vs imwe hombe
  • Kutengeserana-based money laundering kuburikidza neinflated invoice etc.

Kusiiwa kusingatariswe, kubiridzira mari zvinokanganisa hupfumi uye zvinogonesa hugandanga, kutengesa zvinodhaka, huori, kunzvenga mitero nedzimwe mhosva.

AML Regulations muUAE

The UAE inotungamira kurwisa mhosva dzemari. Mitemo yakakosha inosanganisira:

  • Federal Law No. 20 of 2018 pa AML
  • Central Bank Anti-Money Laundering and Combating Financing of Terrorism and Illegal Organisation's Regulation.
  • Cabinet Resolution Number 38 of 2014 maererano neTerrorist List Regulation
  • Zvimwe zvinotsigira zvigadziriso uye nhungamiro kubva kumasangano anodzora senge Financial Intelligence Unit (FIU) uye hushumiri

Iyi mirau inoisa zvisungo zvakatenderedza mutengi kushingairira, kuchengetedza marekodhi, kushuma kutengeserana kunofungidzirwa, kuita zvirongwa zvekutevedzera zvakaringana nezvimwe.

Kutadza kuita izvi kunosanganisira zvirango zvakaomarara kusanganisira faindi dzakakura dzinosvika kuAED 5 miriyoni uye kunyangwe kusungwa kungangoitika.

Chii chinonzi Red Flags mu AML?

Mireza mitsvuku inoreva zviratidzo zvisina kujairika zvinoratidzira zvinogona kuitika zvisiri pamutemo zvinoda kuongororwazve. Yakajairika AML tsvuku mireza ine chekuita ne:

Suspicious Customer Behaviour

  • Kuvanzika pamusoro pekuzivikanwa kana kusada kupa ruzivo
  • Kusada kupa ruzivo nezve hunhu uye chinangwa chebhizinesi
  • Kakawanda uye zvisingatsananguriki shanduko pakuziva ruzivo
  • Kufungidzira kuedza kunzvenga kushuma zvinodiwa

High-Risk Transactions

  • Kubhadhara mari kwakakosha pasina kujeka kwakabva mari
  • Kutengeserana nemasangano ari munzvimbo dzine njodzi huru
  • Complex dhiri zvimiro masking anobatsira varidzi
  • Saizi isina kujairika kana frequency yeprofile yevatengi

Mamiriro Asina kujairika

  • Matengesi asina tsananguro ine musoro/chikonzero chehupfumi
  • Kusaenderana nezvinoitwa nemutengi
  • Kusaziva nezvematanho ekutengeserana akaitirwa munhu

Mireza Tsvuku muUAE's Context

Iyo UAE inotarisana zvakananga njodzi dzekubira mari kubva mukufambiswa kwemari yakawanda, kutengeserana goridhe, Real estate transaction nezvimwe. Mamwe makiyi mireza matsvuku anosanganisira:

Cash Transactions

  • Deposits, kuchinjana kana kubvisa pamusoro peAED 55,000
  • Multiple transactions pazasi pechikumbaridzo kudzivirira kushuma
  • Kutengwa kwemidziyo yemari senge vafambi vanotarisa pasina zvirongwa zvekufamba
  • Kunofungirwa kupindira mune yekunyepedzera muUAE

Kutengeserana Mari

  • Vatengi vanoratidza kunetseka kushoma nezvekubhadhara, makomisheni, magwaro ekutengeserana, nezvimwe.
  • Mharidzo dzenhema dzeruzivo rwezvinhu uye nzira dzekutumira
  • Kusiyana kwakakura mukuunza / kutumira kunze kwehuwandu kana kukosha

Musha

  • Mari yese yekutengesa, kunyanya kuburikidza newaya kutamiswa kubva kumabhangi ekunze
  • Kutengeserana nemasangano ari pamutemo ane muridzi asingagone kusimbiswa
  • Mitengo yekutenga isingaenderane nemishumo yevaluation
  • Kutenga panguva imwe chete uye kutengesa pakati pemasangano ane hukama

Ndarama/Zvishongo

  • Kugara uchitenga mari yezvinhu zvakakosha zvekufungidzira kutengeswa zvakare
  • Kusada kupa humbowo hwekwakabva mari
  • Kutenga/kutengesa pasina purofiti kunyangwe mamiriro emutengesi

Kuumbwa Kwekambani

  • Munhu anobva kunyika ine njodzi anotarisa kukurumidza kumisa kambani yemuno
  • Kuvhiringika kana kusada kukurukura nezvezviitwa zvakarongwa
  • Zvikumbiro zvekubatsira kuvanza zvimiro zvevaridzi

Zviito mukupindura kune Red Flags

Mabhizinesi anofanirwa kutora matanho ane musoro pakuona angangoita AML mireza mitsvuku:

Enhanced Due Diligence (EDD)

Unganidza rumwe ruzivo nezve mutengi, kunobva mari, mamiriro ezviitwa nezvimwe. Humwe humbowo hwechitupa hunogona kupihwa simba kunyangwe kugamuchirwa kwekutanga.

Ongororo neCompliance Officer

Mutevedzeri weAML wekambani anofanirwa kuongorora kunzwisisika kwemamiriro ezvinhu uye kuona zviito zvakakodzera.

Suspicious Transaction Reports (STRs)

Kana chiitiko chichiita sechifungira kunyangwe EDD, faira STR kuFIU mukati memazuva makumi matatu. MaSTR anodiwa zvisinei nekukosha kwekutengesa kana mari yekubira iri kuziva kana kufungidzirwa zvine musoro. Zvirango zvinoshanda kune vasina kushuma.

Zviito Zvinoenderana Nengozi

Matanho akaita sekutarisa kwakawedzerwa, kuganhurira chiitiko, kana hukama hwekubuda hunogona kutariswa zvichienderana nemamiriro ezvinhu. Nekudaro, kupenengura zvidzidzo zvine chekuita nekuisa maSTR kunorambidzwa zviri pamutemo.

Kukosha Kwekutarisa Kunoenderera

Nekuchinja kuri kuita mari nekubira mari nemagandanga, kuenderera mberi kwekutarisa kutengeserana uye kungwarira kwakakosha.

Matanho akaita se:

  • Kuongorora masevhisi matsva/zvigadzirwa zvekusagadzikana
  • Kuvandudza kupatsanurwa kwenjodzi dzevatengi
  • Periodic evaluation yeanofungidzirwa chiitiko chekutarisa masisitimu
  • Kuongorora kutengeserana kunopesana nevatengi profiles
  • Kuenzanisa zviitiko kune vezera kana indasitiri yekutanga
  • Kuongorora otomatiki kwezvirango zvinyorwa uye maPEP

Bvumira proactive identification of red flags nyaya dzisati dzawanda.

mhedziso

Kunzwisisa zviratidzo zvezvingangoitika zvisiri pamutemo kwakakosha kune AML kutevedzera muUAE. Mireza mitsvuku ine chekuita nemaitiro emutengi asina kujairika, mafambisirwo ekufungidzira, masaizi ekutengeserana asingaenderane nemazinga emari, uye zvimwe zviratidzo zvakanyorwa pano zvinofanira kuenderera mberi nekuferefetwa.

Kunyange zvazvo nyaya dzakananga dzichisarudza zviito zvakakodzera, kubvisa zvinonetsa zvinogona kuva nemigumisiro yakakomba. Kunze kwezvinokonzeresa zvemari uye mukurumbira, mirau yeUAE yeAML inoisa mutoro wevanhu kana mhosva yekusatevedzera.

Saka zvakakosha kuti mabhizinesi aite zvidzoreso zvakaringana uye kuona kuti vashandi vakadzidziswa kuziva uye kupindura nenzira kwayo kune Red Flag Indicators muAM.

1 kufunga nezve "Kubira mari kana Hawala muUAE: Chii chinonzi Red Flags muAML?"

  1. Avatar yeColen

    Murume wangu akamiswa kuDubai Airport achiti ari kugezesa mari aifamba nemari yakawandisa iyo yaakatora kubhengi reUK akayedza kutumira imwe kwandiri asi masisitimu ayo pazasi kubhengi uye akatadza kuita izvi uye mari yese yaainayo iripo naye.
    Mwanasikana wake achangobva kuvhiya hart uye achaburitswa muchipatara muUK uye achashaya kwekuenda iye ane makore gumi nematatu ekuberekwa.
    Mukuru wepanhandare yendege anoti anoda kubhadhara mari inosvika zviuru zvishanu zvemadhora asi mapurisa atora mari yake yese.
    Ndokumbirawo murume wangu murume akanaka akatendeseka semhuri anoda kuuya kumba uye kuunza mwanasikana wake kuno kuSouth Africa
    Chii chatinoita izvozvi chero zvishoma kana zano richabatsira
    Ndatenda
    Colleen Lawson

    A

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