Ho qhekella ha chelete ho akarelletsa ho pata lichelete tse seng molaong kapa ho li etsa hore li bonahale li nepahetse ka litšebelisano tse rarahaneng tsa lichelete. E nolofalletsa linokoane ho natefeloa ke phaello ea litlolo tsa bona tsa molao ha li ntse li qoba ts'ebetsong ea molao. Ka bomalimabe, likalimo li fana ka monyetla oa ho sebelisa chelete e litšila. Ba alimang ba tlameha ho kenya ts'ebetsong mananeo a matla a khahlanong le tšebeliso ea chelete (AML) ho lemoha liketso tse belaetsang le ho thibela tšebeliso e mpe ea litšebeletso tsa bona. Sengoliloeng sena se fana ka kakaretso e akaretsang ea mekhoa le mekhoa e metle ea ho fokotsa likotsi tsa tšebeliso e mpe ea chelete likalimo.
Ho Utloisisa Likotsi Tsa Tšebeliso ea Lichelete Ka Kalimo
Basomi ba lichelete ba sebelisa likheo le likheo lefatšeng ka bophara tsamaiso ea lichelete ho hlwekisa chelete e ditshila. The lefapha la likalimo e khahleha ho bona hobane likalimo li fana ka monyetla oa ho fumana chelete e ngata habonolo. Batlōli ba molao ba ka 'na ba kenya chelete e kenang e seng molaong ho khutlisa kalimo ho etsa hore ho bonahale eka ba na le chelete e amohelehang. Kapa ba ka ’na ba sebelisa likalimo ho reka thepa, ba pata mohloli o seng molaong oa chelete. Mekoloto ea khoebo ea khoebo e ka boela ea sebelisoa e le tšireletso ea chelete ea bohlasoa, ha linokoane li sa lefe likalimo tse molaong le ho li busetsa ka lichelete tse seng molaong.
Ho ea ka FinCEN, bomenemene ba likalimo bo amanang le merero ea ho qhekella chelete bo baka tahlehelo e fetang liranta tse limilione tse likete tse 1 selemo le selemo United States feela. Kahoo, ho latela melao ea bosholu ba chelete ke boikarabello ba bohlokoa bakeng sa baalimi bohle, ho kenyeletsoa libanka, mekhatlo ea mekitlane, lifeme tsa fintech, le ba alimang ba bang.
Ho kenya Ts'ebetsong Mekhoa ea Tseba Moreki oa Hau (KYC).
Mokhoa oa pele oa ts'ireletso ke ho netefatsa boitsebiso ba bareki ka botlalo Tseba Moreki oa Hau (KYC) licheke. Molao oa Tlhokomelo ea Bareki oa FinCEN o hloka hore ba alimang ba bokelle lintlha tse khethollang batho ba alimang joalo ka:
- Lebitso le felletseng la molao
- Aterese ea rona
- Letsatsi la tsoalo
- Nomoro ea boitsebiso
Joale ba tlameha ho netefatsa tlhahisoleseling ena ka ho hlahloba litokomane tsa ID tse fanoeng ke mmuso, bopaki ba aterese, joalo-joalo.
Tlhokomelo e tsoelang pele ea litšebelisano tsa mokoloto le tšebetso ea bareki e thusa ho lemoha boitšoaro bo sa tloaelehang bo bontšang chelete e ka bang teng. Sena se kenyelletsa ho hlahlobisisa lintlha tse joalo ka liphetoho tsa tšohanyetso mekhoeng ea ho lefa kapa tebeletso ea kalimo.
Tlhokomelo e Matlafalitsoeng bakeng sa Bareki ba Kotsing e Phahameng
Bareki ba itseng, joalo ka batho ba pepesehileng lipolotiking (PEPs), batla mehato e eketsehileng ea ho itšireletsa. Maemo a bona a hlahelletseng sechabeng a etsa hore ba be kotsing ea ho fuoa tjotjo, litšeho, le bobolu bo bong bo phahamisang matšoenyeho a tšebeliso ea chelete.
Ba alimang ba tlameha ho bokella leseli le eketsehileng mabapi le bakopi ba kotsing e kholo, ho kenyeletsoa mesebetsi ea bona ea khoebo, mehloli ea chelete, le mekhatlo. Sena boikitlaetso bo eketsehileng (EDD) e thusa ho tseba hore na chelete ea bona e tsoa hokae.
Ho Sebelisa Theknoloji ho Khetholla Litšebelisano tse belaetsang
Ho hlahloba likopo tsa likalimo le litefo ka letsoho ke mokhoa o sa sebetseng, o nang le liphoso. Software e tsoetseng pele ea analytics le AI lumella ba alimang ho beha leihlo palo e kholo ea transaction bakeng sa ts'ebetso e ikhethang ka nako ea nnete.
Lifolakha tse ling tse khubelu tse tloaelehileng tse bontšang chelete e litšila li kenyelletsa:
- Lichelete tsa tšohanyetso tse tsoang mehloling e sa tsejoeng ea kantle ho naha
- Likalimo tse tšehelitsoeng ke litiisetso tse tsoang ho batho ba bang ba sa tsitsang
- Chelete e phahameng le litekanyetso tsa thepa
- Lichelete tse phallang ka liakhaonto tse ngata tsa kantle ho naha
- Ho reka ho sebelisa mekhoa e rarahaneng ea beng
Hang ha litšebelisano tse belaetsang li tšoailoe, basebetsi ba tlameha ho faela Litlaleho tsa Ts'ebetso e belaetsang (SARs) le FinCEN bakeng sa lipatlisiso tse ling.
Ho Loants'a Tšebeliso ea Lichelete Ka Likalimo tsa Real Estate
Lekala la thekiso ea matlo le thepa le tobane le tsietsi e kholo ea merero ea bosholu ba chelete. Hangata linokoane li sebelisa chelete e seng molaong ho fumana thepa ka likalimo tsa ntlo kapa ho reka ka chelete eohle.
Matshwao a lemosang ka dikadimo tsa thekiso ya matlo a kenyelletsa:
- Thepa e rekiloeng le ho rekisoa kapele ntle le morero
- Ho se lumellane ha theko ea theko khahlano le boleng bo lekantsoeng
- Batho ba boraro ba sa tloaelehang ba fanang ka litiisetso kapa litefo
Maano a kang ho fokotsa litefo tsa chelete, ho hloka netefatso ea chelete, le ho lekola mohloli oa lichelete ho thusa ho fokotsa kotsi ena.
Re letsetse hona joale bakeng sa kopano e potlakileng ho + 971506531334 + 971558018669
Kamoo Litheknoloji Tse Ncha Tsa Lichelete li Nolofaletsang Tšebeliso ea Chelete
Litheknoloji tse ntseng li hlaha tsa lichelete li fa barekisi ba lichelete lisebelisoa tse tsoetseng pele, joalo ka:
- Ho fetisetsa marang-rang ka li-account tsa kantle ho naha tse sa bonahaleng
- Likhoebo tsa Cryptocurrency ka tlhokomeliso e fokolang
- Nalane ea transaction e sa utloahaleng ka mose ho meedi
Mekhoa ea ho beha leihlo le tšebelisano-'moho ea mekhatlo e meng e bohlokoa ho sebetsana le litšokelo tsa tšebeliso e mpe ea chelete tse hlahisoang ke fintech. Balaoli lefatšeng ka bophara le bona ba matha ho etsa melao le litataiso tse lokiselitsoeng likotsi tsena tse ntseng li fetoha.
Ho Hlaolela Setso se Khahlanong le Tšebeliso e Ntle ea Chelete
Taolo ea theknoloji e fana ka karolo e le 'ngoe feela ea ts'ireletso ea AML. Ho bohlokoa ka ho ts'oanang ke ho theha moetlo oa mokhatlo maemong ohle moo basebetsi ba nkang boikarabello ba ho lemoha le ho tlaleha. Koetliso e felletseng e netefatsa hore basebetsi ba hlokomela mesebetsi e belaetsang ea lichelete. Ho sa le joalo liphuputso tse ikemetseng li fana ka tiisetso ea hore litsamaiso tsa ho lemoha li sebetsa ka katleho.
Boitlamo ba boemo bo holimo le tlhokomelo e pharalletseng ea khoebo ke tšireletso e matla, e nang le mefuta e mengata khahlano le tšebeliso e mpe ea chelete.
fihlela qeto e
Ha e sa hlokomeloe, tšebeliso e mpe ea chelete ka likalimo e baka kotsi e kholo ea moruo. Ho tseba hantle lits'ebetso tsa bareki ba hau, tlhahlobo ea transaction, le tlaleho e tšehelitsoeng ke theknoloji ea morao-rao e fa ba alimang tšireletso e matla. Balaoli le ts'ebetsong ea molao ba boetse ba tsoela pele ho ntlafatsa melaoana le ho hokahanya ho tšela meeli ho loantša maqheka a rarahaneng a thepa e tsoang ho lisebelisoa tse ncha tsa lichelete.
Boinehelo bo kopanetsweng ho phatlalla le makala a poraefete le a setjhaba bo tla thibela phihlello ya botlokotsebe metjhaneng ya ditjhelete e molaong ka nako e telele. Sena se sireletsa moruo oa naha, sechaba, likhoebo le baahi khahlanong le litlamorao tse mpe tsa litlolo tsa molao tsa lichelete.
Re letsetse hona joale bakeng sa kopano e potlakileng ho + 971506531334 + 971558018669
