Zdravo, pored mog poslednjeg mejla, upravo sam priložio pdf Pravilnik o suzbijanju pranja novca,
finansiranje terorizma i širenje oružja za masovno uništenje
Primenljivo za kazina Curacao i dobavljače drugih onlajn igara.
Izmenu NOIS-a usvojila je Skupština 2. maja 2024. godine. Od datuma koji će biti pomenut
u Narodnom listu, CDD mora biti završen kada se igrači bave finansijskim transakcijama jednakim ili
iznad NAf. 4.000.
III.3 Vremenski raspored mera PK
Kazino pruža usluge klijentima koji omogućavaju klađenje na ulog sa novčanom vrednošću
igra na sreću. Oni posluju sa klijentima koji su pojedinci i koji deluju sami
ime i u svoje ime. Na taj način otvaraju nalog za svoje kupce ili igrača
postaje član kluba igrača. Ovo se smatra indikativnim za vezu koja je
očekuje se da ima element trajanja i stoga se smatra poslovnim odnosom
između kazina i njegovog klijenta. Za kazina, provera identiteta mora da se sprovede kada
uključivanje u finansijske transakcije jednake ili veće od NAf. 4.000. Ovo implicira da su svi CDD
mere moraju biti sprovedene u vreme kada je prag dostignut. Međutim, kazina jesu
potrebno je primeniti minimalni nivo mera PK pre dostizanja praga. dakle,
istovremeno sa otvaranjem računa, kazina treba da identifikuju kupca prikupljanjem
minimum ličnih podataka, a to su: ime i prezime, adresa prebivališta i datum
rođenje (postavlja se kao minimum koji se primenjuje u slučaju niskorizičnih poslovnih odnosa) i sprovodi
skrining sankcija. Prag se obračunava na dnevnoj bazi uzimajući u obzir sve depozite
i povlačenja igrača od uspostavljanja poslovnog odnosa, uključujući
bilo kakvih peer-to-peer transfera. Kada se dostigne prag, kazina moraju da sprovedu PEP status
skrining i izvršiti procenu rizika kupaca i ispuniti svoje preostale CDD obaveze kao
navedeno u stavu III.2 gore.
Sprovođenje CDD što je ranije moguće može ograničiti situacije u kojima kazino prima kontaminaciju
sredstva. Za kockarnice na kopnu preporučljivo je izvršiti CDD prilikom osnivanja preduzeća
odnos i da se ne čeka da se dostigne prag.
U sprovođenju mera CDD, klijentima može biti dozvoljeno da nastave da koriste svoje igre na sreću
račun dok kazino dobije sve potrebne informacije od dotičnog klijenta. Međutim
Ako je Naf. Dostigne se prag od 4.000, igrač ne može uplatiti sredstva na račun ili povući
sredstva sa računa.
Osim toga, ukoliko tražene informacije i dokumentacija ne budu primljene u roku od 30 dana od
u trenutku kada je Naf. Prag od 4.000 je dostignut da bi kazino završio CDD, kazino
mora da prekine odnos sa igračem i prijavi transakciju FOJ.
III.4 Unaprijeđena Due Diligence
Treba preduzeti pristup zasnovan na riziku, tako da treba preduzeti detaljnije provere za veće
rizičnih kupaca. Mere poboljšane dužne pažnje (EDD) treba da budu u skladu sa rizicima
identifikovan. Posebno bi trebalo da povećaju stepen i prirodu praćenja poslovanja
odnos, kako bi se utvrdilo da li te transakcije ili aktivnosti izgledaju neuobičajeno.
Unaprijeđena Due Diligence mora biti sprovedena tamo gdje postoji rizik od pranja novca ili terorizma
finansiranje je veće. Ovo se odnosi na primer:
Stanovnici geografskih područja visokog rizika;
Politički izložene osobe (PEP);
Proizvodi ili transakcije koje bi mogle favorizovati anonimnost;
Novi proizvodi i nova poslovna praksa, uključujući novi mehanizam isporuke i korišćenje
nove tehnologije ili tehnologije u razvoju i za nove i za postojeće proizvode.
Pored toga (MI STAKE CASINO) jasno navodi 4000 (MAKSIMALNI DEPOZIT) u odeljku vašeg naloga kada ste prijavljeni. osim ako ne mogu da pruže dokaze koji pokazuju da je (MI STAKE CASINO) izvršio CDD, onda su očigledno prekršili.
Dozvoljeno mi je da uplatim skoro 4 puta veći iznos od propisanog iznosa. Tačnije 7287 GBP.
Kao što je gore navedeno, ovo je usvojeno u parlamentu 2. maja 2024. godine.
Pozdrav
Clint
Hi in addition to my last email I've just attached a pdf of Regulations for the combating of Money Laundering,
the Financing of Terrorism and Proliferation of weapons of mass destruction
Applicable for Curaçao casinos and providers of other online games.
The amendment of the NOIS was adopted on May 2, 2024 by Parliament. As of the date that will be mentioned
in the National Gazette, CDD has to be completed when players engage in financial transactions equal to or
above NAf. 4,000.
III.3 Timing of CDD Measures
A casino provides services to a customer allowing for the wagering of a stake with monetary value in
a game of chance. They do business with customers that are individuals and who act in their own
name and on their own behalf. In doing so they open an account for their customers or the player
becomes a member of the player club. This is considered to be indicative of a relationship that is
expected to have an element of duration and is therefore considered a business relationship
between the casino and its customer. For casinos, verification of identity has to be conducted when
engaging in financial transactions equal to or in excess of NAf. 4,000. This implies that all CDD
measures must have been conducted at the time the threshold is reached. However, casinos are
required to apply a minimum level of CDD measures prior to reaching the threshold. Thus,
simultaneously with the opening of an account, casinos are to identify the customer by collecting the
minimum personal details, being: name and surname, permanent residential address and date of
birth (set as the minimum applicable in case of low risk business relationships) and conduct the
sanctions screening. The threshold is to be calculated on a daily basis taking into account all deposits
and withdrawals made by the player since the establishment of the business relationship, including
any peer-to-peer transfers. Once the threshold is reached, casinos have to conduct PEP status
screening and carry out a customer risk assessment and meet their remaining CDD obligations as
indicated in paragraph III.2 above.
Carrying out CDD as early as possible can limit situations in which a casino receives contaminated
funds. For land-based casinos it is therefore advisable to carry out CDD when establishing a business
relation and not to wait until the threshold is reached.
In carrying out the CDD measures, customers may be allowed to continue using their gaming
account while the casino obtains any necessary information from the customer concerned. However
If the Naf. 4,000 threshold is reached, the player cannot deposit funds into the account or withdraw
funds from the account.
Besides that, if the requested information and documentation is not received within 30 days from
the moment the Naf. 4,000 threshold was met in order for the casino to complete CDD, the casino
has to terminate the relationship with the player and report the transaction to the FIU.
III.4 Enhanced Due Diligence
A risk-based approach should be taken, so more thorough checks should be undertaken for higher
risk customers. The Enhanced Due Diligence (EDD) measures should be consistent with the risks
identified. In particular, they should increase the degree and nature of monitoring of the business
relationship, in order to determine whether those transactions or activities appear unusual.
Enhanced Due Diligence has to be conducted where the risks of money laundering or terrorist
financing are higher. This concerns for example:
Residents of higher risk geographic areas;
Political Exposed Persons (PEP’s);
Products or transactions that might favor anonymity;
New products and new business practices, including new delivery mechanism, and the use of
new or developing technologies for both new and pre-existing products.
In Addition (MY STAKE CASINO)clearly states the 4000 (MAX DEPOSIT)in there your account section when logged in. unless they can provide evidence that shows that (MY STAKE CASINO)carried out CDD then they are clearly in breach.
I was allowed to deposit almost 4x the regulatory amount.£7287GBP to be exact.
As stated above this was passed in parliament May 2nd 2024.
Regards
Clint
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