oficiul national de prevenire si combatere a … · 1998 2-5% din pib 2011 2.7% din pib 2015 –...

OFICIUL NATIONAL DE PREVENIRE SI

COMBATERE A SPALARII BANILOR

De ce este SB/FT o problema?

Cum arata sistemul de lupta împotriva SB/FT?

Ce obligații am eu in cadrul sistemului?

Care este rolul OFICIULUI in sistem?

Ce se vede la nivel de sistem?

La ce trebuie sa fiu atent?

Ce urmeaza sa se schimbe?

Cum arata un caz?

INFRACTOR

FONDURI

ILICITE

PL

AS

AR

E

STRATIFICARE

PLATI FACTURI

FALSE

TRANSFERURI

EXTERNE

CONTURI

OFF-SHORE

IMPRUMUTURI

FICTIVE

CESIUNI

ACTIUNI

INTEGRARE

SPALAREA BANILOR - SCHEMA TIPICA

http://www.google.ro/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwix_57N85PNAhVDI8AKHUcSD8QQjRwIBw&url=http://colombowriter.com/&bvm=bv.123664746,d.ZGg&psig=AFQjCNEAbS_85GQOuaslbkPvkbhAqxDN1w&ust=1465319690187620

http://www.google.ro/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwiq6cGh9ZPNAhXiD8AKHTBgDhIQjRwIBw&url=http://www.dreamstime.com/royalty-free-stock-photos-around-globe-image14152978&bvm=bv.123664746,d.ZGg&psig=AFQjCNG-3FtJpthpa_jo4UfOx9etHaQTBg&ust=1465320153700548

http://www.google.ro/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwjq38Xs9pPNAhXLKcAKHVpVBAMQjRwIBw&url=http://jdemeremason.com/practice-areas/division-of-marital-property/&bvm=bv.123664746,d.ZGg&psig=AFQjCNGoRfeZ1dpFmmNsFB9hQAbyWzsVpA&ust=1465320568032095

1998 2-5% din PIB

2011 2.7% din PIB

2015 – 300 mld USD

2015 – 145 mld USD

2016 – 115 mld USD

2014 – 368 mil USD

2010 – 1 mld USD

Surse: US Treasury, UK National Crime Agency, German Ministry of Finance, Australian Crime Commission, New Zeeland Financial Intelligence Unit

http://www.google.ro/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwinybme_ZPNAhUpI8AKHX6XBiwQjRwIBw&url=http://investmentwatchblog.com/the-imf-warns-us-of-economic-stagnation-its-causes-cures/&bvm=bv.123664746,d.ZGg&psig=AFQjCNGaUoFmIn67tyj5DLyzk2rSuy9UMA&ust=1465322210025810

http://www.google.ro/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwjkhM7w_ZPNAhVjOMAKHSrcD0QQjRwIBw&url=http://www.gpmunc.in/unodc.html&bvm=bv.123664746,d.ZGg&psig=AFQjCNF-zOt1hCGKMVjZyN4rgWzlsO1Euw&ust=1465322505670695

http://www.google.ro/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwjkhM7w_ZPNAhVjOMAKHSrcD0QQjRwIBw&url=http://www.gpmunc.in/unodc.html&bvm=bv.123664746,d.ZGg&psig=AFQjCNF-zOt1hCGKMVjZyN4rgWzlsO1Euw&ust=1465322505670695

https://www.google.ro/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwis3rXChpTNAhXiDsAKHZ3bCbcQjRwIBw&url=https://www.iconfinder.com/search/?q=location&bvm=bv.123664746,d.ZGg&psig=AFQjCNFFtQHIykspD3DJQ3gQlk6YNhSNIQ&ust=1465324720033557

https://www.google.ro/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwilr_DWh5TNAhWpA8AKHZotDAoQjRwIBw&url=https://en.wikipedia.org/wiki/Flag_of_the_United_States&bvm=bv.123664746,d.ZGg&psig=AFQjCNENb9SkJtVRzKOKo4bSt8hJ65Z6hQ&ust=1465325134845566

https://www.google.ro/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwjZgLq5iJTNAhUKKcAKHQXdCQwQjRwIBw&url=https://en.wikipedia.org/wiki/File:Flag_of_the_United_Kingdom.svg&bvm=bv.123664746,d.ZGg&psig=AFQjCNGswdm7x4hr1gxTmrsyeYrSjc2vLA&ust=1465325339074862



http://www.google.ro/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwjevLOdiZTNAhVnJsAKHfJ3AckQjRwIBw&url=http://flaglane.com/download/german-flag/&bvm=bv.123664746,d.ZGg&psig=AFQjCNF--cE6D_UAyRyrPeklTz6dTSovBw&ust=1465325557469497

http://www.google.ro/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwiO0omFi5TNAhWLJsAKHVAOBdsQjRwIBw&url=http://simpsons.wikia.com/wiki/File:Australian_Flag.png&bvm=bv.123664746,d.ZGg&psig=AFQjCNFMnVJokbIKxortd0lQcypn6FFYww&ust=1465326038115759



https://www.google.ro/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwik1PbTi5TNAhVHOMAKHVJnBXkQjRwIBw&url=https://commons.wikimedia.org/wiki/File:Flag_of_New_Zealand.png&bvm=bv.123664746,d.ZGg&psig=AFQjCNEBMaHNeuWu7JNsq7Yb7Z-za-1CCA&ust=1465326203992627








Cum arata un caz?

SISTEM CSB/CFT EFICIENT

• 40 RECOMANDARI

• SISTEM DE EVALUARE MUTUALA

• EXERCITII DE TIPOLOGII

Politicile, coordonarea

si cooperarea reduc

riscurile de SB/FT

Fondurile ilicite sau

destinate terorismului

nu intra in sistem sau

sunt detectate si

raportate

Amenințările SB/FT

sunt detectate si

eliminate, persoanele

sunt sancționate iar

fondurile blocate

Surse: www.fatf-gafi.org

http://www.google.ro/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&ved=0ahUKEwjF_cPxj5TNAhUIAsAKHVsoCAEQjRwIBw&url=http://www.eurasiangroup.org/detail/news1/the_outcomes_of_the_fatf_plenary/&bvm=bv.123664746,d.ZGg&psig=AFQjCNFKQxnd1u-SBhHXly_WKgBhwjo-hw&ust=1465327250582735

INCRIMINARE

INSTANTE DE JUDECATA CONDAMNARI

URMARIRE PENALA

ORGANE DE URMARIRE PENALA RECHIZITORII

INTELLIGENCE

O.N.P.C.S.B. INTELLIGENCE FINANCIAR

RAPORTARE

ENTITATI RAPORTOARE RTS / RTE / RTN / NUMERAR FRONTIERA

SISTEMUL CSB/CFT ROMANESC








Cum arata un caz?

CUNOASTEREA CLIENTULUI

RAPORATREA TRANZACTIILOR SUSPECTE

PASTRAREA EVIDENTELOR DESPRE TRANZACTII

http://www.google.ro/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwih8oCblpTNAhUKDsAKHb2JCrcQjRwIBw&url=http://www.prweb.com/releases/2015/06/prweb12779606.htm&bvm=bv.123664746,d.ZGg&psig=AFQjCNFiZnRtPDXyqN3EASBl34nk_X0lyg&ust=1465328950534481

https://www.google.ro/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwiL9vPjlpTNAhXqJsAKHTKlBIIQjRwIBw&url=https://www.lexisnexis.com/legalnewsroom/banking/b/banking-finance/archive/2014/05/01/bsa-aml-compliance-the-importance-of-currency-transaction-reports-ctrs.aspx&bvm=bv.123664746,d.ZGg&psig=AFQjCNEhFdLw06OW6yTxOqGd7s-S4neiEw&ust=1465329152720743

http://www.google.ro/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwiKiZi_mJTNAhVsJMAKHUWCAdoQjRwIBw&url=http://legaleu.com/buhalterines-paslaugos/&bvm=bv.123664746,d.ZGg&psig=AFQjCNFAcvCZLj0QMPYp05Etqyi2GXX6Zg&ust=1465329653261752








Cum arata un caz?

RTS RTN

RTE NUMERAR / FRONTIERA

http://www.google.ro/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwiMoMKAqYnNAhWBVhQKHU69D8cQjRwIBw&url=http://www.pesapoint.co.ke/index.php?page=cash-withdrawals&bvm=bv.123325700,d.d24&psig=AFQjCNFp_z9yW1rPHh3AR8hXUbzjxbmgFw&ust=1464956124767244

http://www.google.ro/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwjSlJTLqYnNAhXFbxQKHTHvCMkQjRwIBw&url=http://www.casinonewsdaily.com/casino-deposit-methods/casinos-accepting-bank-transfer/&bvm=bv.123325700,d.d24&psig=AFQjCNGFE9ExD0nwU0HNsBK8LsOqHT8vQQ&ust=1464956254791595

http://www.google.ro/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwju9_-Gq4nNAhVLnRQKHWfADlIQjRwIBw&url=http://channel.nationalgeographic.com/border-wars/episodes/cash-in-the-tank1/&bvm=bv.123325700,d.d24&psig=AFQjCNG-YMaxi02J1dxt5dLyaioxfl3M0g&ust=1464956564285360

Raportare

Diseminare

Analiza

Revizuire

Colationare

Evaluare

Colectare

Planificare

Protejarea entităților

raportoare

OFICIUL nu va disemina

niciodată către terți numele

persoanei care a întocmit un

RTS








Cum arata un caz?

RETRAGEREA FONDURILOR ILICITE DIN SISTEMUL FINANCIAR

EXTERNALIZAREA FONDURILOR ILICITE

FOLOSIREA ENTITATILOR OFF-SHORE

SPALAREA FONDURILOR PROVENITE DIN CRIMINALITATE INFORMATICA

2015 ~ 4.600 RTS-uri

~ 1400 RTSuri – entitati cunoscute Oficiului

Sectorul financiar – RTSuri cu complexitate ridicata

Stratificarea – cea mai prezenta in RTSuri

Raportare defensiva

Sectorul este reactiv

851 analize diseminate beneficiarilor








Cum arata un caz?

OPERATIUNI DEPOZIT

FONDURI ILICITE SUNT PLASATE IN SISTEMUL FINANCIAR, IN SCOPUL ASCUNDERII ORIGII

FONDURI LICITE SUNT PLASATE IN SISTEMUL FINANCIAR, IN SCOPUL FINANTARII TERORISMULUI

MONEY MULEs - FOLOSITI PENTRU EXTRAGEREA ACTIVELOR ILICITE DIN SECTORUL BANCAR

CLIENTI CASH INTENSIVE

OPERATIUNI DE TRANSFER

STRATIFICAREA FONDURILOR ILICITE PRIN TRANSFERURI INTRE CONTURI BANCARE (ex. INTERNET BANKING / FOLOSIREA OFF-SHORE-urilor / STRUCTURI COMPLEXE)

http://www.google.ro/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwjGwJ-1z5XNAhXJXRoKHWVnAFEQjRwIBw&url=http://iexchange.gr/&bvm=bv.123664746,d.d2s&psig=AFQjCNFjoOHdhZ75LoJlPE-fVNJkW7ccGQ&ust=1465378747039087

http://www.google.ro/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwiHv7u105XNAhWERhQKHQ-KDy4QjRwIBw&url=http://www.iconarchive.com/show/payment-icons-by-iconshock/wire-transfer-icon.html&bvm=bv.123664746,d.d2s&psig=AFQjCNH_dWnY0DpvKYsFah-yDfpdylcsQA&ust=1465379828082137

PRIVATE BANKING

PRIVATE BANKING SI WEALTH MANAGEMENT SUNT FOLOSITE PENTRU INTEGRAREA ACTIVELOR ILICITE (EX. INVESTITII PENTRU JUSTIFICAREA FONDURILOR ILICITE DREPT PROFIT)

ACTIVE ILICITE SUNT DEPOZITATE IN CUTII DE VALORI, IN ASTEPTAREA CONVERSIEI

SPALAREA BANILOR PRIN FAPTE DE COMERT (TRADE BASED MONEY LAUNDERING)

FACTURARE FICTIVA (PARTIALA/TOTALA) FACTURARE MULTIPLA A ACELORASI BUNURI LIVRARE FICTIVA (PARTIALA/TOTALA) DESCRIERE FALSA A BUNURILOR SI SERVICIILOR

http://www.google.ro/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwjIxMbi1JXNAhXJ0RQKHV43CWkQjRwIBw&url=http://www.how2bank.com/personal-banking/private-banking/&bvm=bv.123664746,d.d2s&psig=AFQjCNHw4UjPEpAnTOiNIBAnVIu0XXf3Fw&ust=1465380152334988

http://www.google.ro/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwjH2MC51ZXNAhVDXRQKHYaOB1QQjRwIBw&url=http://acbtz.com/content/trade-finance&bvm=bv.123664746,d.d2s&psig=AFQjCNHjrM4C3GAEDgi68UanEKmYrlCTMA&ust=1465380360229846

VULNERABILITATI: folosirea intensiva a numerarului

folosirea construcțiilor juridice opace

si a trust-urilor

conformitatea scăzuta a

profesioniștilor

lipsa informațiilor privind beneficiarul

real

legislația AML/CFT neclara

blocaje in schimbul de informații la

nivelul autoritatilor

comunicarea deficitara a actorilor

AML/CFT

AMENINTARI








Cum arata un caz?

•CDD variază in funcție de risc

•Liste de factori de risc

ACCENT SPORIT PE ANALIZA RISCULUI SI ABORDAREA PE BAZA DE RISC

•COMISIA la nivel UE

•SM la nivel național

ANALIZA DE RISC SUPRANATIONALA SI NATIONALA

•Registru național central privind BR

•Acces la registru

TRANSPARENTA CRESCUTA - BENEFICIARUL REAL

•Evaziunea fiscala

•Elveția/Luxemburg

INFRACTIUNILE FISCALE = INFRACTIUNI PREDICAT

•Furnizorii de jocuri de noroc

•Comercianți <10.000 euro

•PEP nationale

ARIE MAI LARGA DE SUBIECTI

•Limitata la produse e-money de valoare mica nereîncărcabile

•Abordarea riscului

CDD DIMINUAT PENTRU - E-MONEY

•COMISIA este autorizata sa listeze state terțe

•ER- masuri sporite

NOUA POLITICA A STATELOR TERTE

DIRECTIVA IV AML








Cum arata un caz?

CETATEAN SUA COMPANIE UK

750.000 USD

COMPANIE SUA

750.000 USD

17.02.2016 15.02.2016

Nume beneficiar ≠ IBAN

Documentele (facturi) nu

explica tranzacția

Insistenta clientului

Intrat recent in Romania

Ordonatorul reclama frauda

Beneficiarul – companie recenta

înființata de un student israelian

Furnizorul menționat in facturi nu

este înregistrat in UK

http://www.google.ro/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwj48py0hNTMAhWCuBoKHQVrCKIQjRwIBw&url=http://findicons.com/icon/201067/person&bvm=bv.121658157,d.bGg&psig=AFQjCNGjx02SZn0t3ks9HHbHtsKtXTKXIg&ust=1463125182531012

MULTUMESC!

oficiul national de prevenire si combatere a … · 1998 2-5% din pib 2011 2.7% din pib 2015 –...

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