Ukukhwabanisa kwemali kuhilela ukufihla izimali ezingekho emthethweni noma ukuzenza zibonakale zisemthethweni ngokusebenzisa imisebenzi yezezimali eyinkimbinkimbi. Kwenza izigebengu zikwazi ukujabulela inzuzo yobugebengu bazo kuyilapho zibalekela ukuthotshelwa komthetho. Ngeshwa, imali ebolekiwe ivula indlela yokukhwabanisa imali engcolile. Ababolekisi kufanele basebenzise izinhlelo eziqinile zokulwa nokushushumbiswa kwemali (i-AML) ukuze bathole umsebenzi osolisayo futhi bavimbele ukuxhashazwa kwamasevisi abo. Lesi sihloko sinikeza ukubuka okuphelele kwamasu nezindlela ezihamba phambili zokunciphisa ubungozi bokukhwabanisa imali ekubolekiseni.
Ukuqonda Izingozi Zokushushumbisa Imali Ekubolekiseni
Abashushumbisi bemali baxhaphaza izikhala nezintuba kuwo wonke umhlaba uhlelo lwezezimali ukuhlanza imali engcolile. I umkhakha wokubolekisa iyathandeka kubo ngoba imali ebolekiwe yenza kube lula ukuthola izindodla zemali. Izigebengu zingase zifake imali etholwayo ngokungemthetho ekukhokheleni imali ebolekiwe ukuze zenze kubukeke njengeholo elisemthethweni. Noma bangase basebenzise imali ebolekiwe ukuze bathenge impahla, bafihle umthombo wezimali ongekho emthethweni. Okuzenzakalelayo kwemali mboleko yebhizinisi ingasetshenziswa futhi njengekhava yokukhwabanisa imali, izigebengu zihluleka ukukhokha imali ebolekiwe esemthethweni futhi zizibuyisele ngezimali ezingekho emthethweni.
Ngokusho kwe-FinCEN, ukukhwabanisa kwemalimboleko okuhlobene nezinhlelo zokukhwabanisa kubangela ukulahlekelwa okungaphezu kwezigidi eziyizinkulungwane ezingu-$1 ngonyaka e-United States kuphela. Ngakho, ukuhambisana nokusetshenziswa kwemali ngokungemthetho kuwumthwalo wemfanelo obalulekile kubo bonke ababolekisi, okuhlanganisa amabhange, izinyunyana zezikweletu, amafemu e-fintech, nabanye ababolekisi.
Ukusebenzisa Izinqubo Zazi Ikhasimende Lakho (i-KYC).
Indlela yokuqala yokuzivikela ukuqinisekisa ubunikazi bamakhasimende ngokuhlanganisa Yazi Ikhasimende Lakho (KYC) amasheke. I-FinCEN's Customer Due Diligence Rule ye-FinCEN idinga ababolekisi ukuthi baqoqe imininingwane ehlonzayo kubaboleki efana nale:
- Igama eliphelele elisemthethweni
- Ikheli lomzimba
- Usuku lokuzalwa
- Inombolo kamazisi
Kufanele-ke baqinisekise lolu lwazi ngokuhlola ama-ID akhishwe uhulumeni, ubufakazi bekheli, njll.
Ukuqapha okuqhubekayo kokuthengiselana kwemalimboleko nomsebenzi wamakhasimende kuvumela ukutholwa kokuziphatha okungajwayelekile okubonisa ukukhwabanisa imali okungenzeka. Lokhu kuhilela ukuhlolisisa izici ezifana noshintsho olungazelelwe emaphethini okukhokha noma isibambiso semalimboleko.
Ukukhuthala Okuthuthukisiwe Kwamakhasimende Asengozini Ephezulu
Amakhasimende athile, njenge abantu abavezwe ngepolitiki (PEPs), funa izinyathelo zokuphepha ezengeziwe. Izikhundla zabo ezivelele emphakathini zibenza babe sengcupheni yokugwazelwa, ukukhohliswa, kanye nenye inkohlakalo edala ukukhathazeka ngokushushumbiswa kwemali.
Ababolekisi kufanele baqoqe imininingwane eminingi yangemuva ngabafaki zicelo abasengozini enkulu, okuhlanganisa imisebenzi yabo yebhizinisi, imithombo yemali engenayo, nezinhlangano. Lokhu inkuthalo efanele ethuthukisiwe (EDD) isiza ukuthola ukuthi izimali zabo zivelaphi.
Ukusebenzisa Ubuchwepheshe Ukuhlonza Okwenziwayo Okusolisayo
Ukubuyekeza izicelo zemalimboleko kanye nezinkokhelo mathupha kuyindlela engasebenzi, enephutha. Isoftware yezibalo ezithuthukile ne-AI vumela ababolekisi ukuthi baqaphe amanani amakhulu okwenziwayo ngomsebenzi ongajwayelekile ngesikhathi sangempela.
Amanye amafulegi abomvu avamile abonisa imali engcolile ahlanganisa:
- Ukukhokha kungazelelwe okuvela emithonjeni engaziwa ye-offshore
- Izimali mboleko ezisekelwa iziqinisekiso ezivela ezinkampanini zangaphandle ezinomthunzi
- Imali engenayo ekhuphukayo kanye nezilinganiso zempahla
- Izimali zigeleza ngama-akhawunti amaningi angaphandle
- Ukuthenga kusetshenziswa izakhiwo zobunikazi eziyinkimbinkimbi
Uma okwenziwayo okusolisayo kumakiwe, abasebenzi kufanele bafake Imibiko Yemisebenzi Esolisayo (ama-SAR) neFinCEN ukuze kuqhutshekwe nophenyo.
Ukulwa Nokwebiwa Kwemali Ngokubolekwa Kwezindlu Nezindlu
Umkhakha wezindlu nezindlu ubhekene nokuba sengozini enkulu ezinhlelweni zokukhwabanisa imali. Izigebengu zivame ukusebenzisa izimali ezingekho emthethweni ukuze zithole izakhiwo ngezindlu ezibolekiwe noma ngokuthenga yonke imali.
Izimpawu eziyisixwayiso ngemalimboleko yezindlu zifaka:
- Izakhiwo ezithengiwe futhi zathengiswa ngokushesha ngaphandle kwanoma iyiphi injongo
- Ukungahambisani kwenani lokuthenga nenani elilinganiselwe
- Izinkampani zangaphandle ezingajwayelekile ezihlinzeka ngeziqinisekiso noma izinkokhelo
Amasu afana nokulinganisa izinkokhelo zemali, okudinga ukuqinisekiswa kwemali engenayo, kanye nokuhlolisisa umthombo wezimali kusiza ukunciphisa lobu bungozi.
Sishayele manje ukuze uthole isikhathi esiphuthumayo ku- + 971506531334 + 971558018669
Indlela Ubuchwepheshe Obusha Bezezimali Buvumela Ngayo Ukukhwabanisa Kwemali
Ubuchwepheshe bezezimali obusafufusa bunikeza abashicileli bemali amathuluzi ayinkimbinkimbi, afana nalawa:
- Ukudluliselwa okuku-inthanethi ngama-akhawunti angaphandle angacacile
- I-Cryptocurrency exchanges ngokubheka okulinganiselwe
- Imilando yokwenziwe efifiwe ngaphesheya kwemingcele
Izinqubo zokuqapha ezisebenzayo kanye nokuxhumana phakathi kwama-ejensi kubalulekile ukuze kubhekwane nezinsongo zokukhwabanisa imali ezibangelwa i-fintech. Abalawuli emhlabeni wonke nabo bayagijima ukuze babeke imithetho nemihlahlandlela ehambisana nalezi zingozi eziguqukayo.
Ukuhlakulela Isiko Lokulwa Nokwebiwa Kwemali
Izilawuli zobuchwepheshe zinikeza isici esisodwa kuphela sokuzivikela kwe-AML. Okubaluleke ngokufanayo ukusungula isiko lenhlangano kuwo wonke amazinga lapho abasebenzi bethatha ubunikazi bokutholwa nokubika. Ukuqeqeshwa okuphelele kuqinisekisa ukuthi abasebenzi bayayibona imisebenzi yezezimali esolisayo. Okwamanje ukuhlola okuzimele kunikeza isiqinisekiso sokuthi amasistimu okuthola asebenza ngempumelelo.
Ukuzibophezela kwezinga eliphezulu kanye nokuqapha okubanzi kwebhizinisi kuhlanganisa isihlangu esiqinile, esinezinhlangothi eziningi ngokumelene nokuxhaphaza imali.
Isiphetho
Uma kungahloliwe, ukuxhaphaza imali ngokubolekwayo kubangela ukulimala okukhulu kwezenhlalo nezomnotho. Ukukhuthala ukwazi izinqubo zekhasimende lakho, ukuqapha okwenziwayo, kanye nokubika okusekelwa ubuchwepheshe bamuva kunikeza ababolekisi ukuvikeleka okuqinile. Abalawuli nabezomthetho baphinde baqhubeke nokubuyekeza imithethonqubo kanye nokuxhumanisa ukuwela imingcele ukuze kuliwe namaqhinga okukhwabanisa asezingeni eliphezulu avela kumathuluzi amasha ezezimali.
Ukuzinikela okuyiqoqo kuyo yonke imikhakha ezimele neyomphakathi kuzokhawulela ukufinyelela kobugebengu eziteshini zezimali ezisemthethweni ngokuhamba kwesikhathi. Lokhu kuvikela umnotho kazwelonke, imiphakathi, amabhizinisi kanye nezakhamuzi emiphumeleni eyonakalisayo yobugebengu bezezimali.
Sishayele manje ukuze uthole isikhathi esiphuthumayo ku- + 971506531334 + 971558018669
