Chelete ea Chelete kapa Hawala ho UAE: Lifolakha tse khubelu ke eng ho AML?

Ho Qhekella Chelete kapa Hawala ho UAE

Ho hlakoloa ha chelete ka tjhelete kapa Hawala ho la UAE ke lentsoe le tloaelehileng le sebelisoang ho supa hore na batloli ba molao ba pata mohloli oa chelete joang. 

Money hlatsoetsoa le sekhukhuni lichelete sokela botsitso ba moruo le ho fana ka lichelete bakeng sa mesebetsi e seng molaong. Ka hona e pharaletseng anti-chelete laundering (AML) melaoana e bohlokoa. United Arab Emirates (UAE) e na le melaoana e thata ea AML, 'me ho bohlokoa hore likhoebo le mekhatlo ea lichelete e sebetsang ka har'a naha e utloisisa matšoao a lifolakha tse khubelu ho lemoha litšebelisano tse belaetsang.

Chelete e Laundering ke Eng?

Phokotso ea chelete e kenyelletsa ho pata lichelete tse seng molaong tsa lichelete tse seng molaong ka litšebelisano tse rarahaneng tsa lichelete. Ts'ebetso ena e nolofalletsa linokoane ho sebelisa chelete e "litšila" ea litlolo tsa molao ka ho li tsamaisa ka likhoebo tse molaong. E ka lebisa ho matla kotlo ea ho senya chelete ka uae ho kenyeletsa le likotlo tse boima le ho koalloa teronkong.

Mekhoa e tloaelehileng ea ho senya chelete e kenyelletsa:

• Ho theha li-depositi tsa chelete ho qoba ho tlaleha litekanyo
• Ho sebelisa likhetla kapa li-fronters ho pata botho
• Smurfing - ho etsa litefo tse nyane tse ngata khahlano le e le 'ngoe e kholo
• Ho qhekella ha chelete ho ipapisitse le khoebo ka li-invoice tse phahameng joalo-joalo.

E tloheloa e sa hlahlojoe, ho qhekelloa ha chelete e hlokisa moruo botsitso 'me e nolofalletsa bokhukhuni, khoebisano ea lithethefatsi, bobolu, ho qoba lekhetho le litlolo tsa molao tse ling.

Melao ea AML ho UAE

The UAE e etelletsa pele ntoa khahlanong le litlolo tsa molao tsa lichelete. Melao ea bohlokoa e kenyelletsa:

• Federal Law No. 20 of 2018 on AML
• Banka e Bohareng e Khahlanong le Tšebeliso ea Lichelete le ho Loantša Lichelete tsa Bokhukhuni le Taolo ea Mokhatlo o seng molaong.
• Qeto ya Kabinete ya Nomoro ya bo 38 ya 2014 mabapi le Taolo ya Manane a Dikhukhuni
• Liqeto tse ling tse tšehetsang le tataiso ho tsoa mekhatlong ea taolo joalo ka Lefapha la Bohlale ba Lichelete (FIU) le bosebeletsi

Melawana ena e beha boitlamo mabapi le boitelo bo nepahetseng ba bareki, ho boloka rekoto, ho tlaleha ditransekshene tse belaetsang, ho kenya tshebetsong mananeo a tshwanelehang a ho latela melao le tse ding.

Ho hloleha ho latela melao eo ho kenyelletsa likotlo tse matla ho kenyelletsa le likotlo tse boima tse fihlang ho AED 5 milione esita le ho kenngoa chankaneng.

Lifolakha tse khubelu ke eng ho AML?

Lifolakha tse khubelu li bua ka matšoao a sa tloaelehang a bonts'ang ts'ebetso e kanna ea ba e seng molaong e hlokang lipatlisiso tse eketsehileng. Lifolakha tse khubelu tsa AML tse tloaelehileng li amana le:

Boitšoaro ba Bareki bo belaetsang

• Lekunutu mabapi le boitsebiso kapa ho se ikemisetse ho fana ka tlhahisoleseding
• Ho tsilatsila ho fana ka lintlha tse mabapi le tlhaho le morero oa khoebo
• Liphetoho tse etsahalang khafetsa le tse sa hlalosoang mabapi le ho khetholla tlhahisoleseling
• Liteko tse belaetsang tsa ho qoba litlhoko tsa ho tlaleha

Lits'ebetso tsa Kotsi e Phahameng

• Litefiso tsa bohlokoa tsa chelete ntle le tšimoloho e hlakileng ea lichelete
• Litšebelisano le mekhatlo e libakeng tse kotsi haholo
• Mehaho e rarahaneng e patang botho ba molemo
• Boholo bo sa tloaelehang kapa khafetsa bakeng sa boemo ba bareki

Maemo a sa Tloaelehang

• Lichelete tse haelloang ke tlhaloso e utloahalang/mabaka a moruo
• Ho se lumellane le mesebetsi e tloaelehileng ea moreki
• Ho se tloaele lintlha tsa transaction e entsoeng molemong oa motho

Lifolakha tse khubelu ho Boemo ba UAE

UAE e tobane le maemo a khethehileng likotsi tsa ho senya chelete ho tsoa ho phallo ea chelete e ngata, khoebo ea khauta, thekiso ea thekiso ea matlo joalo-joalo. Lifolakha tse ling tse khubelu li kenyelletsa:

Chelete Transactions

• Li-depositi, phapanyetsano kapa ho hula chelete ka AED 55,000
• Litšebetso tse ngata tse ka tlase ho moeli ho qoba ho tlaleha
• Ho reka lisebelisoa tsa chelete joalo ka licheke tsa baeti ntle le merero ea maeto
• Ho belaelloang ho ameha ho ho qhekella UAE

Lichelete tsa Khoebo

• Bareki ba bonts'ang ho tšoenyeha ho fokolang ka litefo, likomishene, litokomane tsa khoebo, jj.
• Tlaleho e fosahetseng ea lintlha tsa thepa le litsela tsa thomello
• Ho se lumellane ho hoholo ka bongata ba thepa e tsoang kantle ho naha kapa boleng

Thekiso ea matlo

• Lithekiso tsa chelete eohle, haholo-holo ka ho fetisetsa chelete ho tsoa libankeng tsa kantle ho naha
• Litšebelisano le mekhatlo ea molao eo botho ba eona bo ke keng ba netefatsoa
• Litheko tsa ho reka tse sa lumellaneng le litlaleho tsa boleng
• Theko le thekiso ea nako e le 'ngoe lipakeng tsa mekhatlo e amanang

Khauta/Mabenyane

• Ho reka hangata ka chelete ea lintho tsa boleng bo holimo bakeng sa ho rekisoa hape
• Ho tsilatsila ho fana ka bopaki ba tšimoloho ea lichelete
• Theko/thekiso ntle le phaello ea phaello ho sa tsotellehe boemo ba morekisi

Tlhahiso ea Khampani

• Motho ka mong ea tsoang naheng e kotsing e kholo ea batlang ho theha k'hamphani ea lehae kapele
• Pherekano kapa ho tsilatsila ho bua ka lintlha tsa mesebetsi e reriloeng
• Likopo tsa ho thusa ho pata meaho ea botho

Liketso ho Araba Lifolakha tse khubelu

Likhoebo li lokela ho nka mehato e utloahalang ha li bona lifolakha tse khubelu tsa AML tse ka bang teng:

Maemo a Ntlafetseng (EDD)

Bokella lintlha tse ling mabapi le moreki, mohloli oa lichelete, mofuta oa mesebetsi joalo-joalo. Bopaki bo eketsehileng ba ID bo ka 'na ba laeloa ho sa tsotellehe kamohelo ea pele.

Tlhahlobo ka Ofisiri ea Boikarabelo

Ofisiri ea melao ea AML ea k'hamphani e lokela ho lekola ho nepahala ha maemo le ho etsa qeto ea liketso tse loketseng.

Litlaleho tse belaetsang tsa Transaction (STRs)

Haeba ts'ebetso e bonahala e belaetsa ho sa tsotellehe EDD, kenya STR ho FIU nakong ea matsatsi a 30. Li-STR lia hlokahala ho sa tsotelehe boleng ba transaction haeba ts'ebeliso ea chelete e tseba kapa e belaelloa ka mokhoa o utloahalang. Likotlo li sebetsa bakeng sa ho se tlalehe.

Liketso tse thehiloeng ho Kotsi

Mehato e joalo ka tlhahlobo e ntlafalitsoeng, ts'ebetso e thibelang, kapa likamano tsa ho tsoa li ka nahanoa ho ipapisitsoe le maemo a itseng. Leha ho le joalo, ho hlakisa litaba tse mabapi le ho kenya li-STR ho thibetsoe ka molao.

Bohlokoa ba Tlhokomelo e Tsoelang Pele

Ka mekhoa e ntseng e tsoela pele ea ho qhekella ha chelete le mekhoa ea ho tšehetsa lichelete tsa likhukhuni, tlhahlobo e tsoelang pele le ho falimeha ho bohlokoa.

Mehato e kang:

• Ho hlahloba lits'ebeletso/lihlahisoa tse ncha bakeng sa bofokoli
• Ho nchafatsa likarolo tsa likotsi tsa bareki
• Tekolo ea nako le nako ea litsamaiso tse belaetsang tsa ho beha leihlo mesebetsi
• Ho sekaseka litšebelisano le liprofaele tsa bareki
• Ho bapisa mesebetsi le metheo ea lithaka kapa indasteri
• Tlhokomelo e itirisang ea manane a likotlo le li-PEP

kgontsha ho tsebahatsa lifolakha tse khubelu pele mathata a eketseha.

fihlela qeto e

Ho bohlokoa ho utloisisa matšoao a ts'ebetso e seng molaong e ka bang teng Ho lumellana le AML naheng ea UAE. Lifolakha tse khubelu tse amanang le boitšoaro bo sa tloaelehang ba bareki, mekhoa e belaetsang ea transaction, boholo ba transaction bo sa lumellaneng le maemo a lekeno, le matšoao a mang a thathamisitsoeng mona a lokela ho fana ka bopaki bo eketsehileng.

Le hoja linyeoe tse tobileng li laola liketso tse loketseng, ho hlokomoloha ho tšoenyeha ho ka ba le liphello tse tebileng. Ntle le litlamorao tsa lichelete le botumo, melaoana e thata ea AML ea UAE e beha melato ea sechaba le ea botlokotsebe bakeng sa ho se ikobele.

Kahoo ho bohlokoa hore likhoebo li sebelise taolo e lekaneng le ho netefatsa hore basebetsi ba koetlisoa ho lemoha le ho arabela ka nepo ho Lipontšo tsa Letšoao le Lefubelu ho AML.