Kubvisa mari zvisiri pamutemo kunosanganisira kuvanza mari zvisiri pamutemo kana kuita kuti iite seyakarurama kuburikidza nekutengeserana kwemari kwakaoma. Zvinoita kuti matsotsi awane purofiti yemhosva dzavo uku achinzvenga mapurisa. Zvinosuwisa kuti zvikwereti zvinopa nzira yekubvisa mari yakasviba . Vanokweretesa vanofanirwa kushandisa zvirongwa zvakasimba zvekurwisa kushambidzwa kwemari (AML) kuti vaone zviitiko zvinofungirwa uye kudzivirira kushandiswa zvisina kunaka kwebasa ravo. Chinyorwa chino chinopa ruzivo rwakakwana rwenzira dzakanakisa dzekuderedza njodzi dzekubvisa mari yakasviba mukukweretesa.
Kunzwisisa Ngozi dzekubira Mari muKukweretesa
Vanobvisa mari vanoshandisa mikana nemaburi ari muhurongwa hwemari hwepasi rose kuti vachenese mari yakasviba. Chikamu chekukweretesa chinovakwezva nekuti zvikwereti zvinoita kuti vawane mari yakawanda. Matsotsi anogona kuisa mari isiri pamutemo mukubhadhara zvikwereti kuti zviite sekuti mari inowanikwa zviri pamutemo. Kana kuti vanogona kushandisa zvikwereti kutenga zvinhu, vachivharira mari inowanikwa zvisiri pamutemo. Kukundikana kubhadhara zvikwereti zvebhizinesi kunogona kushandiswawo senzira yekuvhara mari, nematsotsi achitadza kubhadhara zvikwereti zviri pamutemo uye achibhadhara nemari isiri pamutemo.
Sekureva kweFinCEN, hutsotsi hwezvikwereti hune chekuita nehurongwa hwekubiridzira mari hunokonzera kurasikirwa kunodarika bhiriyoni imwe chete yemadhora pagore muUnited States chete. Saka, kutevedzera mitemo yekubiridzira mari ibasa guru kune vese vanopa zvikwereti, kusanganisira mabhanga, masangano echikwereti, makambani efintech, uye mamwe mabhangi anokweretesa mari.
Kuita Ziva Mutengi Wako (KYC) Maitiro
Nzira yekutanga yekudzivirira ndeyekusimbisa hunhu hwevatengi kuburikidza nekuongororwa kwakazara kweZiva Mutengi Wako (KYC) . Mutemo weFinCEN weCue Diligence Rule unoda kuti vanokweretesa vaunganidze ruzivo rwevanokwereta se:
- Izita repamutemo rizere
- Adresi yepanyama
- Musi wekuzvarwa
- Chitupa nhamba
Vanofanira kuzosimbisa ruzivo urwu nekuongorora magwaro eID akaburitswa nehurumende, humbowo hwekero, nezvimwe.
Kuramba uchitarisa kutengeserana kwezvikwereti uye mabasa evatengi kunoita kuti pave neruzivo rwekuti pane maitiro asina kujairika anoratidza kuti mari inogona kubiwa . Izvi zvinosanganisira kuongorora zvinhu zvakaita sekuchinja kamwe kamwe kwemaitiro ekubhadhara kana chibatiso chezvikwereti.
Kuwedzeredzwa Kwakakodzera Kushingairira kune Yakakwira-Njodzi Vatengi
Vamwe vatengi, vakaita sevanhu vane zvematongerwo enyika (PEPs) , vanoda kungwarira zvakanyanya. Zvinzvimbo zvavo zveveruzhinji zvinoita kuti vave panjodzi yekubatwa nepfumbamuromo, mari yekukweretesa, uye humwe huori hunowedzera matambudziko ekubvisa mari.
Vanokweretesa vanofanira kuunganidza ruzivo rwakawanda nezvevanonyorera mari vane njodzi huru, kusanganisira mabasa avo ebhizinesi, mari yavanowana, uye masangano. Kunyatsoongorora uku (EDD) kunobatsira kuona kuti mari yavo inobva kupi.
Kushandisa Tekinoroji Kuziva Mafambisirwo Anofungidzirwa
Kuongorora mafomu ekukumbira zvikwereti nekubhadhara nemaoko inzira isingashande zvakanaka uye inowanzoita zvikanganiso. Advanced analytics software uye AI zvinobvumira vanokweretesa kuti vatarise huwandu hwakawanda hwekutengeserana kana paine zviitiko zvakasiyana 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 kutengeserana kwacho kwangoonekwa, vashandi vanofanirwa kuendesa Suspicious Activity Reports (SARs) kuFinCEN kuti iongororwe zvakanyanya.
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.
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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-soro pamwe nekuchenjerera kwebhizinesi rose zvinodzivirira zvakasimba uye zvine mativi akawanda kubva mukubiwa kwemari.
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.
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