Polisi ya AML/CFT
Kgatlhego ya rona ya go thibela go phepa ditšhelete, go tshegetsa teroriste, le bosenyi jwa ditšhelete go tsamaelana le melao ya Mauritius le ya lefatshe.
Dintlha
1. Tseneletso le Katiso ya Polisi
1.1. Maikaelelo
Vertex1 Brokers Limited ("Vertex", "Khamphani") e ikemiseditse maemo a a kwa godimo a go Thibela go Phepa Ditšhelete (AML) le go Thibela Tshegetso ya Teroriste (CFT). Maikaelelo a Polisi eno ke go thibela gore ditsamaiso le ditirelo tsa Khamphani di se ka di diriswa go phepa ditšhelete, go tshegetsa teroriste, kgotsa go oketsa ditšhelete tsa go phatlalatsa.
1.2. Seemo sa Molaodi
Polisi eno e ngotswe go tsamaelana thata le melao ya Republic of Mauritius, kakaretso:
Financial Intelligence and Anti-Money Laundering Act 2002
Financial Intelligence and Anti-Money Laundering Regulations 2018
United Nations (Financial Prohibitions, Arms Embargo and Travel Ban) Sanctions Act 2019
FSC AML/CFT Handbook
1.3. Bogolo
Polisi eno e dira badirisi botlhe, batlhankedi, direkta, le baemedi (go akaredi Introducing Brokers) ba Vertex. Go sa tsamaelane le Polisi eno go ka baka dikgato tsa taolo le go tsaya kgato ya molao.
2. Taolo le Go Lebelela
2.1. Boto ya Direkta
Boto e na le boikarabelo jwa bosha jwa go tsamaelana le AML/CFT ya Khamphani. Boto e amogela Polisi eno mme e netefatsa gore ditšhupelo tse di lekaneng (thekenologi le batho) di abelwa go lwantsha bosenyi jwa ditšhelete.
2.2. MLRO
Khamphani e abelletse Money Laundering Reporting Officer (MLRO) yo o kgethegileng le Deputy MLRO yo o amogegetseng ke FSC. Ba amogetse ditlhaloso tsa ka fa teng, ba tlhophisa fa go tla romelwa STR, mme ba golagana le FSC le FIU.
2.3. Molaodi wa Tsamaiso
Molaodi wa Tsamaiso o ikadile go diragatsa letsatsi le letsatsi, go akaretsa taolo ya setaki sa rona sa tsamaiso ya thekenologi (Sumsub le InTouch) le go dira ditekanye tsa bonako.
3. Mokgwa wa go Ikwadisa ka Kotsi (RBA)
Vertex e dirisa Mokgwa wa go Ikwadisa ka Kotsi mo tsamaisong. Ga re laole badirisi ka mokgwa o le mongwe; ditšhupelo di lebagane le mafelo a kotsi a a kwa godimo.
3.1. Go Bala Kotsi
Modirisi mongwe le mongwe o abelwa Tekanyetso ya Kotsi (Low, Medium, High) fa a ingodisa. Tekanyetso eno e balwa ka tsela e e fetogang ka:
Go nna mo ditšhabeng tse di bonweng ke FATF e le tse di nang le kotsi kgotsa tse di sa golaganeng.
Seemo sa molao wa khamphani, mosomo, le go bontshwa ga polutiki (boemo jwa PEP).
Ditšhelete tse di kwa godimo tsa kripto kgotsa ditsamaiso tse di tlhabologileng tsa botswadi.
3.2. Go Kopanya Thekenologi
Re dirisa data ya bongaki jwa InTouch go dira tirisong ya go bala kotsi eno, go netefatsa gore ditlhopha tsa kotsi di ntšhwafatswa ka nako ya nnete fa ditlhophiso tsa lefatshe kgotsa maemo a modirisi a fetoga.
4. Know Your Customer (KYC) le Nyakišišo
Vertex e dirisa Sumsub jaaka molekane wa bone wa thekenologi ya netefatso ya boitshupo. Ka kakaretso ga re amogele dikwalo tsa mmogo ka imeile; netefatso yotlhe e dirwa ka elektroniki go netefatsa botsheko.
4.1. Standard Due Diligence (SDD)
Badirisi ba Retail ba kotsi e e kwa tlase go ya go ya magareng, re dirisa ditekanyetso tsa SDD:
Tsamaiso ya go Ithuta le go Netefatsa
Go kgobokanya Leina le Lotlhe, Aterese ya Go Nna, Letsatsi la Matsalo, le Bosetšhaba.
OCR e e dirwang ka bo eona le dianalisi tsa forensic ya ID ya puso (Passport, National ID, Driver's License) go bona dikopi kgotsa go fetola.
Go skena sefahlego sa 3D go netefatsa gore mokgweetsi ke motho wa nnete mme o tshwana le seswantšho mo ID (go thibela deepfakes le spoofing).
Netefatso ka taelo ya utilities, pampiri ya banka, kgotsa ditirelo tsa Sumsub Geolocation (fa go laolwa thata).
4.2. Enhanced Due Diligence (EDD)
Badirisi ba kotsi e e kwa godimo, Politically Exposed Persons (PEPs), kgotsa badirisi ba ditšhaba tse di nang le kotsi, EDD ke ya botlhokwa. Go akaretsa:
- Source of Funds (SoF): Bontshi jwa motswedi wa ditšhelete tse di tsentsweng ka ntlha (mohlala pampiri ya banka e bontshang moputso, thekiso ya motlotlo).
- Source of Wealth (SoW): Bontshi jwa gore modirisi o kgobokanyeditse bongaka jwa gagwe jotlhe jang ka nako.
- Kgatiso ya Taolo ya Kwa Godimo: Akhaonto e ka se bulelwe ntle le go saenwa ka ngwalo ke Molaodi wa Tsamaiso.
5. Go Sekaseka le Ditlhophiso (InTouch)
Vertex e kopanya InTouch go dira go sekaseka thata badirisi botlhe le baneedi ba botlhao ka lenane la go lebelela lefatshe.
5.1. Go Sekaseka Ditlhophiso
Pele akhaonto e bulelwa le ka letsatsi le letsatsi fa pele, ditokomane tsotlhe tsa badirisi di sekasekwa ka:
5.2. Go Sekaseka PEP
InTouch e sekaseka Politically Exposed Persons (PEPs), maloko a lelapa, le baagolaganyi ba gaufi.
- Domestic PEPs: Ba tlhoka EDD.
- Foreign PEPs: Ba tlhoka EDD le go lebelela go oketseditse.
- International Organization PEPs: Ba sekasekwa ka motheo wa kotsi.
5.3. Ditsebe tse di Sa Siameng
Tsamaiso e batlisisa ditsebe tsa lefatshe ka ditsebe tse di sa siameng tse di amanang le modirisi (mohlala ditlhotlhwa tsa botsenyi, ditokomane tsa go tshwarwa). Dikgetho tse di molemo di sekasekwa ka matsogo ke Setšha sa Tsamaiso.
6. Go Lebelela Ditiragalo
Go lebelela ke tuelo. Vertex e dirisa ditsamaiso tse di dirwang ka bo tsona go bona mekgwa e e solofesang mo kgwebong le ditiragalong tsa ditšhelete.
6.1. Mefuta ya Tlhokomeliso
Tsamaiso e tlhagisa ditlhagiso bakeng sa boitshwaro jaaka:
Ditšhupelo tse di mmalwa di le fa tlase ga mefuta ya go tlaleletsa.
Go tsenya ka bonako le kopo ya go ntsha ka bonako ntle le kgwebo e e kwa godimo (e bontsha layering).
Go leka go dirisa akhaonto ya brokerage jaaka akhaonto ya banka go fetola ditšhelete magareng ga mekgwa ya dituelo e e farologaneng.
Bogolo jwa kgwebo jo bo sa tshwaneng le moputso o o boletsweng kgotsa Source of Wealth ya modirisi.
6.2. Go Lebelela tse di Kgethegileng tsa Kripto
Bakeng sa ditšhupelo tse di dirilweng ka USDT/USDC, re dirisa dianalitiki ya blockchain go sekaseka wallet ya motswedi. Fa ditšhelete di tswa mo "Mixers," Dimmaraka tsa Darknet, kgotsa Aterese tse di Laotsweng, tšhupelo e tla ganetswa mme e emisitswe go fitlhelela nyakišišo.
7. Go Tlaleletsa Ditiragalo tse di Solofesang
7.1. Go Tlaleletsa ka Fa Teng
Mothlankedi ofe ofe yo o solofesang go phepa ditšhelete o tshwanetse ka bonako go ngola Tlaleletso ya ka Fa Teng go MLRO. Go sa tlaleletse ke molato wa molao.
7.2. Go Tlaleletsa kwa Ntle (STR)
Fa MLRO a netefatsa gore solofatso e na le motheo, o tshwanetse go romela Suspicious Transaction Report (STR) go Financial Intelligence Unit (FIU) ka platform ya goAML.
- Nako: STR e tshwanetse go romelwa ka bonako jo bo ka kgonegang.
- Tipping Off: Ke molato wa molao go itsise modirisi kgotsa mongwe wa boraro gore STR e rometswe kgotsa gore nyakišišo e a tswelela. Vertex e dira ditsamaiso tse di matla tsa "Ga go Tlhagise".
Tlhokomeliso: Go itsise modirisi kgotsa mongwe wa boraro ka STR kgotsa nyakišišo ke molato wa molao fa tlase ga molao wa Mauritius.
8. Go Boloka Dikwalo
Go tsamaelana le FIAMLA 2002, Vertex e boloka dikwalo tsa:
- Dokomente tsotlhe tsa KYC/CDD (dikopi tsa ID, dipampiri tsa Sumsub, dipholo tsa go sekaseka tsa InTouch).
- Dikwalo tsotlhe tsa Ditiragalo (Ditšhupelo, Dintsho, Histori ya Kgwebo).
- STRs tsotlhe tsa ka Fa Teng le kwa Ntle.
8.1. Nako ya go Boloka
Dikwalo di bolokwa kwa bonyenyane dingwaga di supa (7) go tswa letsatsing kamogelo ya kgwebo e fedile kgotsa tirisano e fedile.
8.2. Seemo
Dikwalo di bolokwa ka elektroniki mo seemong se se babalesegileng, se se ka busiwang (Fynxt CRM/Cloud Storage) mme di a babalesegile go FSC kgotsa FIU fa go kopediwa.
9. Thuto le Go Itse
9.1. Thuto ya Badirisi
Badirisi botlhe ba tsena mo thutong ya mathomo ya AML/CFT fa ba thapiwa le thuto ya go ntšhafatsa kwa bonyenyane ka ngwaga o le mongwe. Thuto e akaretsa:
- • Go Lemoga Mefuta ya Tlhokomeliso
- • Tiriso ya didiriswa tsa Sumsub le InTouch
- • Ditsamaiso tsa go tlaleletsa le Tipping Off
9.2. Go Tekanya
Molaodi wa Tsamaiso o dira go tekanya ka ngwaga go netefatsa gore setšhaba se utlwisisa ditlhoko tsa AML.
Felo ya Polisi ya AML/CFT • Vertex1 Brokers Limited