Compliance Consultancy
Consultancy and management firm

Klantonderzoek


Het "Customer Due Diligence"-onderzoek (hierna "CDD" genoemd) wordt door de EU-rechtsgebieden verplicht gesteld om te voorkomen dat het financiële stelsel van de EU wordt gebruikt voor het witwassen van geld en de financiering van terrorisme. Gebaseerd op hoofdstuk II van de EU Richtlijn 2015/849".

Waaruit bestaan de Customer Due Diligence-maatregelen ?


  • identificatie en verificatie van de klant (en de vertegenwoordiger van de klant, indien van toepassing) door middel van zijn ID, paspoort of andere betrouwbare documentatie.
  • identificatie en verificatie van de uiteindelijke eigenaar van de klant, om duidelijk te maken wie de controle heeft over de entiteit.
  • verzamelen van informatie met betrekking tot de aard van de zakenrelatie.
  • continue monitoring van de transacties van de zakenrelatie om er zeker van te zijn dat de bestaande informatie up-to-date is.

Het wettelijk kader van de EU verwijst naar twee soorten CDD's: de standaard CDD en de Enhanced CDD.


De nieuwe Richtlijn 2018/843, heeft duidelijk gemaakt dat Enhanced CDD vereist is voor transacties met risicovolle derde landen. De zakelijke relatie moet voortdurend worden gecontroleerd op trigger events die in de toekomst speciale eisen kunnen stellen aan verder CDD-onderzoek.

Afgezien van het verhoogde risico van misbruik van financiële systemen door criminelen, is het niet naleven van CDD's een gevaar dat door financiële instellingen serieus moet worden genomen gezien de grote administratieve en strafrechtelijke sancties en maatregelen die van kracht zijn. Zorg ervoor dat uw bedrijf voldoet aan zijn CDD-verplichtingen wanneer het betrokken is bij een transactie of zakelijke relatie die dit vereist.


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