Inqubomgomo ye-AML/CFT
Isibopho sethu sokuvimbela ukuhwebisa imali kabi, ukuhweba kwezimali zokugwema ukwesaba, nobugebengu bezimali ngokuhambisana nemigomo yaseMauritius nemazwe ngamazwe.
Okuqukethwe
1. Isingeniso Nesitatimende Senqubomgomo
1.1. Injongo
I-Vertex1 Brokers Limited ("Vertex", "Inkampani") ibambelele emazingeni aphezulu wokuvimbela ukuhwebisa imali kabi (AML) nokuhweba kwezimali zokugwema ukwesaba (CFT). Injongo yale Nqubomgomo ukuvimbela ukuthi izinhlelo nezinsiza zenkampani zingasetshenziswa ukuhwebisa imali kabi, ukuhweba kwezimali zokugwema ukwesaba, noma ukuhweba kwezimali zokwandisa izikhali.
1.2. Isakhiwo Semigomo
Le Nqubomgomo ibhalwe ngokuhambisana nemithetho yeRiphabhuliki yaseMauritius, ikakhulukazi:
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. Ububanzi
Le Nqubomgomo isebenza kubo bonke abasebenzi, iziphathi, abadidiyeli, kanye nama-agenti akhethiwe (kuhlanganise ne-Introducing Brokers) be-Vertex. Ukungahambisani nale Nqubomgomo kungaholela ezintweni zokulawula kanye nokuboshwa.
2. Ukulawulwa Nokubheka
2.1. Ibhodi Labadidiyeli
Ibhodi linesibopho esiphelele sokuhambisana kwe-AML/CFT yenkampani. Ibhodi livumela le Nqubomgomo futhi iqinisekisa ukuthi izinsiza ezanele (ubuchwepheshe namandla abantu) zabelwa ukulwa nobugebengu bezimali.
2.2. I-MLRO
Inkampani ikhethe i-Money Laundering Reporting Officer (MLRO) kanye ne-Deputy MLRO evunyelwe yi-FSC. Zithola izaziso zangaphakathi, zenza izinqumo ze-STR, futhi zixhumane ne-FSC ne-FIU.
2.3. Isikhulu Sokuhambisana
Isikhulu Sokuhambisana sibhekene nokusebenza kwansuku zonke, kuhlanganise ukuphatha isitaki sethu sobuqhawe bokuhambisana (i-Sumsub ne-InTouch) nokwenza ukuhlolwa okujwayelekile.
3. Indlela Esekelwe Emgomeni (RBA)
I-Vertex isebenzisa Indlela Esekelwe Emgomeni ekuhambisaneni. Asiphathi wonke amakhasimende ngokufanayo; izinsiza zibekwa lapho imigomo iphezulu khona.
3.1. Ukubala Umgomo
Wonke amakhasimende anikwa i-Risk Score (Phansi, Mapakathi, Phezulu) uma kubhaliswa. Lesi sibalo sibala ngokuzenzakalelayo ngokusekelwe ku:
Ukuhlala ematholeni ahlonishwa yi-FATF njengaphezulu noma angahlanganyeli.
Isakhiwo somthetho, umsebenzi, nokubekwa phambi kwezombangazwe (isimo se-PEP).
Ukufaka imali ye-cryptocurrency eningi noma izakhiwo zobunikazi ezinzima.
3.2. Ukuhlanganiswa Kobuchwepheshe
Sisebenzisa idatha ye-InTouch ukuzenzakalela le nkambo yokubala umgomo, siqinisekise ukuthi izilinganiso zibuyekezwa ngesikhathi sangempela njengoba uhlu lwe-sanctions lomhlaba noma izimo zamakhasimende ziguquka.
4. Know Your Customer (KYC) Nezidingo Zokwazi
I-Vertex isebenzisa i-Sumsub njengomhlanganyeli wayo wobuchwepheshe wokuqinisekisa ubuqiniso. Ngokuvamile asamukeli amadokhumenti angokwemvelo nge-imeyili; konke ukuqinisekisa kwenziwa ngokwedijithali ukuze kuqinisekiswe ukuba yiqiniso.
4.1. Standard Due Diligence (SDD)
Kubakhasimende be-Retail abamgomweni ophansi kuya emaphakathi, sisebenzisa izinyathelo ze-SDD:
Inqubo Yokubona Nokuqinisekisa
Ukuqoqa Igama Eliphelele, Ikheli Lokuhlala, Usuku Lokuzalwa, kanye Nesizwe.
I-OCR ezenzakalelayo nokuhlaziywa kwezobufakazi be-ID ephuma kuhulumeni (Ipasipoti, I-ID Yezwe, Ilayisense Yokushayela) ukuze kutholakale ukungabi namanga noma ukuphazamiseka.
Ukuskena kobuso oku-3D ukuqinisekisa ukuthi umenzeli uyisuntu sangempela futhi ufanana nesithombe esiku-ID (ukuvimbela i-deepfake ne-spoofing).
Ukuqinisekisa ngebhilu yamanzi, isitatimende sebhange, noma izinsiza ze-Sumsub Geolocation (lapho kuhlolwa ngokuqinile).
4.2. Enhanced Due Diligence (EDD)
Kubakhasimende Abamgomweni Ophezulu, abantu ababekwe phambi kwezombangazwe (PEPs), noma abavela ematholeni amgomweni ophezulu, i-EDD iyadingeka. Kuhlanganisa:
- Umthombo Wezimali (SoF): Ubufakazi obukhombisa umsuka wezimali ezifakwayo (isb. isitatimende sebhange esikhombisa umholo, ukuthengisa kwempahla).
- Umthombo Wengcebo (SoW): Ubufakazi obukhombisa indlela ikhasimende lathola ngayo ingcebo yayo yonke ngokuhamba kwesikhathi.
- Ukuvunyelwa Kwabasebenzi Abaphezulu: I-akhawunti ayikwazi ukuvulwa ngaphandle kokusayina okubhaliwe okuvela kuSikhulu Sokuhambisana.
5. Ukuhlola Ne-Sanctions (InTouch)
I-Vertex ihlanganisa i-InTouch ukuze yenze ukuhlola okuqinile kwabo bonke amakhasimende nababenzi bezinzuzo ngokumelene nezihloli zomhlaba wonke.
5.1. Ukuhlola Kwe-Sanctions
Ngaphambi kokuvula i-akhawunti nangokulandelela nsuku zonke, zonke izikhombimakhasimende zihlolwa ngokumelene ne:
5.2. Ukuhlola Kwe-PEP
I-InTouch ihlola abantu ababekwe phambi kwezombangazwe (PEPs), imindeni yabo, nabazakwabo abaseduze.
- Ama-Domestic PEPs: Kudingeka i-EDD.
- Ama-Foreign PEPs: Kudingeka i-EDD nokulandelela okwandisiwe.
- Ama-International Organization PEPs: Kuhloliwe ngokusekelwe emgomweni.
5.3. Imidiya Engemuhle
Isistimu iskena izindaba zomhlaba wonke zokuphakama okungahle kuhlanganise ikhasimende (isb. izinsolo zokukhwabanisa, amarekhodi okuboshwa). Izimpendulo ezinhle zibuyekezwa ngesandla yi-Compliance Team.
6. Ukulandelela Izokwenziwayo
Ukulandelela kuqhubeka njalo. I-Vertex isebenzisa izinhlelo ezenzakalelayo ukuze ithole izindlela ezisolisayo ekuthengisweni nasemsebenzini wezimali.
6.1. Amabhende Abomvu
Isistimu idala izexwayiso zokuziphatha njengalezi:
Ukufaka imali eminingi kancane ngaphansi kwezinga lokubika.
Ukufaka ngokushesha nokucela ukukhipha ngokushesha ngaphandle kokuhweba okukhulu (okukhombisa i-layering).
Ukuzama ukusebenzisa i-akhawunti yombeki njenge-akhawunti yasebhange ukuze udlulise imali phakathi kwezindlela ezahlukene zokukhokha.
Ivolumu yokuhweba engahambisani nomholo wemali noma Umthombo Wengcebo okubikiwe yikhasimende.
6.2. Ukulandelela Okukhethekile Kwe-Crypto
Kuzimali ezifakwe nge-USDT/USDC, sisebenzisa ukuhlaziywa kwe-blockchain ukuhlola i-wallet yomsuka. Uma imali ivela ku-"Mixers," emakethe ze-Darknet, noma kuma-Address asaphrothiwe, ukufaka kuzokhatalwa futhi kuminywe kuse lapho kuphenywa khona.
7. Ukubika Kwezokwenziwayo Ezisolisayo
7.1. Ukubika Ngaphakathi
Yilowo nalowo osebenzayo osola ukuhwebisa imali kufanele afake ngokushesha i-Internal Disclosure Report ku-MLRO. Ukungabiki yisono esiboshwayo.
7.2. Ukubika Ngaphandle (STR)
Uma i-MLRO iqinisekisa ukuthi ukusola kusisekelwe, kufanele ifake i-Suspicious Transaction Report (STR) ku-Financial Intelligence Unit (FIU) nge-platform ye-goAML.
- Isikhathi: I-STR kufanele ifakwe ngokushesha njengoba kungenzeka ngokuhlakanipha.
- Ukutshela: Kuyisono esiboshwayo ukutshela ikhasimende noma umuntu wesithathu ukuthi i-STR ifakiwe noma uphenyo luyaqhubeka. I-Vertex iqinisa izinqubo ezizimile ze-"No Tipping Off".
Isexwayiso: Ukutshela ikhasimende noma umuntu wesithathu ngokufakwa kwe-STR noma uphenyo kuyisono esiboshwayo ngaphansi komthetho waseMauritius.
8. Ukugcina Amarekhodi
Ngokuhambisana ne-FIAMLA 2002, i-Vertex igcina amarekhodi e:
- Konke amadokhumenti we-KYC/CDD (izikhophi ze-ID, imibiko ye-Sumsub, imiphumela yokuhlola ye-InTouch).
- Zonke izirekhodi zezokwenziwayo (Ukufaka, Ukukhipha, Umlando Wokuhweba).
- Zonke i-STRs zangaphakathi nezangaphandle.
8.1. Isikhathi Sokugcina
Amarekhodi agcinwa okungenani iminyaka eyisikhombisa (7) kusukela osukwini ubudlelwane bezobhizinisi buphela noma isivumelwano siqediwe.
8.2. Ifomethi
Amarekhodi agcinwe ngokwedijithali ngendlela ephephile, etholakalayo (i-Fynxt CRM/Cloud Storage) futhi atholakala yi-FSC noma yi-FIU uma kucelwa.
9. Ukuqeqeshwa Nokuqonda
9.1. Ukuqeqeshwa Kwabasebenzi
Bonke abasebenzi bayadlula ukuqeqeshwa kokuqala kwe-AML/CFT uma bafakwa futhi ukuqeqeshwa okuvuselelwayo okungenani kanyaka. Ukuqeqeshwa kuhlanganisa:
- • Ukubona Amabhende Abomvu
- • Ukusebenzisa amathuluzi we-Sumsub ne-InTouch
- • Izinqubo zokubika nokutshela
9.2. Ukuhlola
Isikhulu Sokuhambisana senza ukuhlolwa kanyaka ukuze kuqinisekiswe ukuqonda kwabasebenzi emibandela ye-AML.
Ukuphela kwenqubomgomo ye-AML/CFT • Vertex1 Brokers Limited