Kudzivirira Kubirwa Kwemari Kuburikidza Nezvikwereti: A Comprehensive Guide

Kuita mari zvisiri pamutemo kunosanganisira kuvanza mari isiri pamutemo kana kuti kuita kuti zviite sezviri pamutemo kuburikidza nekutengeserana kwemari kwakaoma. Zvinoita kuti matsotsi anakirwe nemhindu yemhosva dzavo asi achinzvenga kuchengetedzwa kwemutemo. Nehurombo, zvikwereti zvinopa nzira yekubira mari yakasviba. Vanokweretesa vanofanirwa kuita zvirongwa zvakasimba zvekurwisa mari (AML) kuti vaone chiitiko chekufungidzira uye kudzivirira kushungurudzwa kwemasevhisi avo. Ichi chinyorwa chinopa tarisiro yakazara yemaitiro uye maitiro akanakisa ekudzikisa njodzi dzekubira mari mukukweretesa.

Kunzwisisa Ngozi dzekubira Mari muKukweretesa

Vanobira mari vanoshandisa maburi uye maburi pasi rose system yemari kuchenesa mari yakasviba. The lending sector zvinovafadza nekuti zvikwereti zvinopa mukana nyore kuwana mazakwatira emari. Matsotsi anogona kupinza mari zvisiri pamutemo mukubhadhara chikwereti kuti varatidzike semari iri pamutemo. Kana kuti vangashandisa zvikwereti kutenga zvinhu, vachivharidzira kwaibva mari isiri pamutemo. Bhizinesi chikwereti chinokanganisa inogonawo kushandiswa sechivharo chemari yekubira zvisiri pamutemo, nevapari vemhosva vachitadza kubhadhara zvikwereti zviri pamutemo vachizvidzorera nemari isiri pamutemo.

Maererano neFinCEN, chitsotsi chechikwereti chine chokuita nezvirongwa zvokubiridzira mari chinokonzera kurasikirwa kunopfuura bhiriyoni imwe chete pagore muUnited States moga. Nokudaro, anti money laundering compliance ibasa rakakosha kune vese vanokweretesa, kusanganisira mabhanga, masangano echikwereti, mafemu efintech, uye mamwe madhirendi.

Kuita Ziva Mutengi Wako (KYC) Maitiro

Mutsara wekutanga wedziviriro ndeyekusimbisa kuzivikanwa kwevatengi kuburikidza nekunzwisisa Ziva Wako Mutengi (KYC) checks. FinCEN's Customer Due Diligence Rule inoda kuti vanokweretesa vaunganidze ruzivo rwevanokwereta senge:

  • Izita repamutemo rizere
  • Adresi yepanyama
  • Musi wekuzvarwa
  • Chitupa nhamba

Vanofanira kuzosimbisa ruzivo urwu nekuongorora magwaro eID akaburitswa nehurumende, humbowo hwekero, nezvimwe.

Kuenderera mberi kwekutarisa kutengeserana kwechikwereti uye chiitiko chevatengi kunogonesa kuonekwa kwemaitiro asina kujairika anoratidza zvingangove zvekutengesa mari. Izvi zvinosanganisira kuongorora zvinhu zvakaita sekuchinja kamwe kamwe mumabhadharo kana chibatiso chechikwereti.

Kuwedzeredzwa Kwakakodzera Kushingairira kune Yakakwira-Njodzi Vatengi

Vamwe vatengi, senge vanhu vane zvematongerwo enyika (PEPs), vanoda mamwe matanho okuzvidzivirira. Zvinzvimbo zvavo zvine mukurumbira zviri kuita kuti vapihwe chiokomuhomwe, kurohwa nehumwe huwori hunosimudzira nyaya dzekubira mari.

Vanokweretesa vanofanirwa kuunganidza rumwe ruzivo rwekumashure kune vanonyorera vane njodzi yakanyanya, kusanganisira mabasa avo ebhizinesi, mari inowanikwa, uye masangano. Izvi Kuwedzera kushingaira (EDD) inobatsira kuona kuti mari dzavo dzakabva kupi.

Kushandisa Tekinoroji Kuziva Mafambisirwo Anofungidzirwa

Kuongorora manyorerwo ezvikwereti uye kubhadhara nemaoko inzira isingashande, ine kukanganisa. Yepamberi analytics software uye AI bvumira vanokweretesa kuti vatarise mavhoriyamu makuru ekutengeserana ezviitwa zvakasarudzika munguva chaiyo.

Mamwe mareza matsvuku akajairika anoratidza mari yakasviba anosanganisira:

  • Kamwe kamwe muripo kubva kusingazivikanwe offshore masosi
  • Zvikwereti zvinotsigirwa nemagarandi kubva kune shady third-party
  • Kuwedzerwa mari uye kukoshesa kweasset
  • Mari inoyerera kuburikidza nemaakaundi akawanda ekunze
  • Kutenga uchishandisa zvimiro zvakaoma zvevaridzi

Kana mafambisirwo ekufungidzira angoiswa chiratidzo, vashandi vanofanirwa kufaira Suspicious Activity Reports (SARs) neFinCEN kuti uwedzere kuferefeta.

Kurwisa Kubirwa Kwemari Kuburikidza Nezvikwereti Zvivakwa

The real estate sector yakatarisana nenjodzi huru kune zvirongwa zvekubira mari. Matsotsi anowanzo shandisa mari isiri pamutemo kuwana zvivakwa kuburikidza nembande kana kutenga-mari yese.

Yambiro zviratidzo nezvikwereti zvedzimba zvinosanganisira:

  • Zvivakwa zvakatengwa uye kutengeswa nekukurumidza pasina chinangwa
  • Kusapindirana kwemutengo wekutenga maringe nemutengo wakayerwa
  • Zvisina kujairika mapato echitatu anopa vimbiso kana kubhadhara

Matanho akaita sekuvhara mubhadharo wemari, inoda kuongororwa mari, uye kuongorora kwakabva mari kunobatsira kudzikisira njodzi iyi.

Tifonere izvozvi kuti tikurumidze kuonana pa + 971506531334 + 971558018669

Maitiro Itsva Yezvemari Tekinoroji Inogonesa Mari Kubira

Ichiri kusimukira matekinoroji emari anopa vanobira mari mamwe maturusi akaomarara, senge:

  • Kutamisa pamhepo kuburikidza nemaakaundi ekunze asina kujeka
  • Cryptocurrency inotsinhana netarisiro shoma
  • Obfuscated transaction nhoroondo mhiri kwemiganhu

Proactive yekutarisa maitiro uye inter-agency kurongeka kwakakosha kugadzirisa kutyisidzira kwemari kunokonzerwa nefintech. Maregulator pasi rese ari kumhanyisawo kudzika mitemo uye nhungamiro dzakanangana nenjodzi idzi dziri kubuda.

Kukudziridza Tsika Inorwisa Kubira Mari

Tekinoroji kutonga kunopa chikamu chimwe chete chekudzivirira kwe AML. Zvakaenzana zvakakosha kumisa tsika yesangano pamatanho ese apo vashandi vanotora muridzi wekuonekwa uye kushuma. Kudzidziswa kwakakwana kunoita kuti vashandi vaone zviitiko zvezvemari zvinofungirwa. Zvichakadaro ongororo dzakazvimiririra dzinopa vimbiso yekuti masisitimu ekuona anoshanda nemazvo.

Kuzvipira kwepamusoro Kuwedzera kuchenjerera kwebhizinesi rose kunoumba nhovo yakasimba, ine mativi mazhinji pakubira mari.

mhedziso

Kusiiwa kusingatariswe, kutambisa mari kuburikidza nezvikwereti kunokonzeresa kukuvadzwa kwakanyanya kwemagariro nehupfumi. Shingaira kuziva maitiro evatengi vako, kutarisa kwekutengeserana, uye kushuma kunotsigirwa nehunyanzvi hwazvino uno kunopa vanokweretesa dziviriro yakasimba. Maregulator nevemutemo vanoenderera mberi nekuvandudza mirau uye kuronga kuyambuka muganhu kurwisa nzira dzakaoma kunzwisisa dzekubira dziri kubuda kubva mumidziyo mitsva yemari.

Kuzvipira pamwe chete munzvimbo dzakazvimiririra uye neruzhinji kunoganhurira kupinda kwematsotsi kumatanho ekupa mari emutemo kwenguva refu. Izvi zvinodzivirira hupfumi hwenyika, nharaunda, mabhizinesi uye vagari kubva kuhuori hwemhosva dzemari.

Tifonere izvozvi kuti tikurumidze kuonana pa + 971506531334 + 971558018669

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