Statement
Hart & 公司致力确保有足够的管制措施，打击洗黑钱活动及恐怖分子融资活动, in line with Statutory Instrument No.692 Financial Services, The Money Laundering, 2017年恐怖主义融资和资金转移(有关付款人的信息)条例.
Training
Hart & 公司致力为员工提供反洗黑钱法例方面的培训，包括如何处理可疑交易. Ian Hart is the Money Laundering Reporting Officer (MRLO).
Risk Assessment & Customer Due Diligence
Whilst Hart & Co take the starting point that most clients will not launder money, 我们确实确定了可能表明洗钱风险较高的标准.g. where there is no face-to-face meeting to establish identity.
制定了对风险敏感的政策和程序，以预测和防止洗钱和恐怖主义融资. Hart & Co make enquiries about the client, 资金的来源、交易的目的和性质，以便对洗钱风险作出初步评估. Hart & 公司还将制作一份书面风险评估报告，并将在整个合作关系中继续评估风险. 在任何情况下都遵守“尽职调查”识别程序，可以降低im体育平台app下载被用于洗钱或资助恐怖主义的风险.
In respect of Vendors: Hart & 在接受销售其财产/业务的指示之前，在任何事项开始时核实所有供应商. With probate work Hart & Co verify the identity of all Executors (if more than one).
In respect of Purchasers: Hart & Co verify all Purchasers. 在业务关系开始时，一旦卖方接受报价，在发出销售备忘录之前，对买方进行检查.
It is Hart & 公司的政策是，所有的供应商和采购商必须以至少两种形式的身份证明身份, 身份证明是官方照片(护照/驾驶执照)和居住证明.g. a utility bill dated in the last three months.
如果不举行面对面会议，则应采取加强尽职调查程序，要求提供额外信息或证据以确定身份, and ensuring that the documents supplied are certified.
If the verification of identity is done by documents this should be based on:
政府签发的文件，包括姓名和照片、出生日期或居住地址，例如:
- a valid passport
- a valid photo card driving licence
- a national identity card
Where the individual doesn’t have one of the above documents, or doesn’t meet the criteria in the risk assessment, we will require the following:
- 政府签发的文件(没有照片)，其中包括客户的全名和地址的次要证据, 例如，旧的驾驶执照或最近获得国家或地方当局资助的福利(如住房福利)的证明, council tax benefit, pension, tax credit.
- 地址的次要证据(不是从互联网下载的)，例如水电费账单, bank, building society or credit union statement or a most recent mortgage statement.
For clients who are not private individuals, such as corporate clients and private companies, the business must obtain information that is relevant e.g. company registration number, 注册地址和个人有权代表公司行事的证据-到公司注册处查阅，就会发现董事和公司秘书的详细资料. 上述文件要求将适用于持有im体育平台app下载25%或以上股份的所有股东.
对于作为遗产代表的私人客户，我们将要求:
- Grant of Probate
- Letter of Administration
- 案件中个人代表(遗嘱执行人或遗产管理人)的个人身份证明
Simplified Due Diligence – Low Risk Clients and Matters
Generally, 如果客户/事项被认为是低洗钱风险的(例如，因为客户很有名，信誉良好或监管良好) & Co may take a proportionate approach to due diligence.
Politically Exposed Persons (PEPs)
A PEP is a person who is entrusted with prominent public functions. If a client is a PEP Hart & 公司将采取适当措施，确定涉及交易的财富来源和资金来源，并必须加强对业务关系的持续监测.
Record Keeping
Hart & 公司须保存记录(包括客户身份及交易记录)至少五年，由与客户终止业务关系起计. Personal data received from clients is protected by Data Protection Law. 它只会被用于防止洗钱的目的.
Suspicious Activity Reporting
The Money Laundering Reporting Officer who, believes there are grounds to suspect money laundering or terrorism, 将向国家犯罪局(NCA)提交可疑活动报告(SAR)。
What is Suspicious Activity?
- Cash – any party proposes to pay significant sums in cash.
- Unexplained transfer of funds. Transferring to Hart & Co bank account then asking to transfer to another.
- Money being paid direct between parties and not via solicitors or agents.
- 买卖双方在没有律师参与的情况下完成交易.
- A transaction which has no apparent purchase and which makes no economic sense.
- Unusual transaction. 如果交易没有合理的解释，超出了预期提供给客户的服务范围，或者超出了Hart的经验 & Co.
- Secretive clients. 客户在没有合理解释的情况下拒绝提供所要求的信息，包括客户ID信息
- Unusual sources of funds. 资金通常会从付款人自己名下的账户支付，该账户由认可和信誉良好的金融机构保管. If payments are made by a third part or from abroad this may be of a concern.
- Transactions where the source of wealth is unclear. Large amounts of money provided by a buyer who appears to have a low income.
- Insistence that the matter be completed urgently for no good reason.
- Properties owned by nominee companies, off shore companies or multiple owners where there is no logical explanation.
- The Seller is known to have committed acquisitive crimes.
- 客户或实益拥有人的身份证明有困难，包括不愿参加身份证明程序，这可能意味着有人冒充.
- 以他人的名义购买的财产，而不是以提供资金或作出决定的人的名义购买的财产. Of course people often assist relatives with purchases. 但是，如果没有家庭关系或其他明显的原因为什么第三方提供资金. The matter should be reported.
- Any attempt to mislead lenders e.g. about the income of the borrower or the value of the property.
- 使用空壳公司或代理人拥有财产可能表明抵押欺诈.
- The rapid re-sale of property at a markedly higher price.
- Urgency. 客户在没有明显原因的情况下要求紧急完成交易.
- The buyer and seller appear to be associated.
- 为不正确地完成文书工作或高估财产价值而提供贿赂或其他引诱.
- Buyer has not viewed the property.
- 恐怖主义-当交易的任何一方被认为同情恐怖组织时，应特别小心.
Ongoing Monitoring
The regulations also require Hart & Co to scrutinize transactions including where necessary, the source of funds, to ensure they are consistent with our knowledge of the client, their business and risk profile. This means staying alert and reporting any suspicious circumstances.