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PEP-Kontrollen: Eine Herausforderung Eine wachsende Herausforderung für unabhängige Vermögensverwalter Für unabhängige Vermögensverwalter Die Einhaltung von Vorschriften ist nicht nur ein Kästchen, das man ankreuzen kann - sie ist eine vertrauensbildende Säule. Einer der komplexesten und kritischsten Aspekte der Compliance umfasst heute PEP-Kontrollen . Identifizierung Politisch exponierte Personen (PEPs ) ist entscheidend für die Verhinderung Geldwäscherei , Bestechung und Korruption. Es gibt zwar Screening-Instrumente, aber das Verfahren ist alles andere als einfach.
Ein PEP ist nicht nur ein Staatsoberhaupt oder ein hoher Beamter. Er umfasst ihre enge Vertraute , Familienangehörige und sogar Geschäftspartner . Für Banken und unabhängige Vermögensverwalter endet die Due-Diligence-Prüfung nicht bei der Person, sondern erstreckt sich auf ihr gesamtes Netzwerk.
Warum PEP-Screening wichtig ist PEPs stellen aufgrund ihres Einflusses, ihrer Sichtbarkeit und ihrer Exposition gegenüber öffentlichen Geldern ein höheres Risiko dar. Regulierungsbehörden wie zum Beispiel FATF , FINMA und AML-Gesetze in ganz Europa eine verstärkte Sorgfaltspflicht für diese Personen vorschreiben. Für unabhängige Vermögensverwalter müssen die Aufnahme- und Überwachungsprozesse robust, aktuell und wasserdicht sein.
Hohe Geldstrafen Verlust der Lizenz oder der Finma-Zulassung Reputationsschaden Kundenabwanderung aufgrund von Bedenken hinsichtlich der Einhaltung von Vorschriften Häufig verwendete PEP-Screening-Tools Viele Unternehmen verlassen sich auf PEP-Datenbanken und Screening-Systeme zur Unterstützung des Compliance-Prozesses. Doch nicht alle sind gleich. Erfassungsbereich, Aktualisierungshäufigkeit und Datenquellen unterscheiden sich erheblich.
Anbieter Berichterstattung & Highlights Häufigkeit der Aktualisierung Quelle Welt-Check (Refinitiv) Mehr als 4 Millionen Datensätze zu PEPs, Sanktionen und negativen Medienberichten Echtzeit für Hochrisikokategorien LSEG Firco Global WatchList® 2 Mio. Unternehmen in 240+ Ländern, einschließlich PEPs Regelmäßig LexisNexis Akkuratesse Sanktionen, PEPs und negative Medienprofile Regelmäßig Akkuratesse Acuris Risikoaufklärung 200+ Gerichtsbarkeiten Regelmäßig Acuris Moody's Analysen Mehr als 2 Millionen globale PEPs mit finanzieller Risikokennzeichnung Kontinuierliche Überwachung Moody's LexisNexis 230+ Gebiete, häufige Aktualisierungen Mehrmals täglich LexisNexis Dilisense 57 internationale Quellen, Echtzeit-Detektion Echtzeit Dilisense OpenSanctions Open-Source-Erfassung von Hochrisikoprofilen Regelmäßig OpenSanctions Informa (Thomson Reuters) Breiter Zuständigkeitsbereich Regelmäßig Thomson Reuters Pipl Identitätsprüfung mit Live-Anreicherung Echtzeit Pipl Trulioo Globale Überprüfung inkl. PEP & KYC Regelmäßig Trulioo ComplyAdvantage PEP-Screening, EDD- und Sanktionsprüfungen Regelmäßig ComplyAdvantage
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Ungereimtheiten bei der PEP-Erkennung Ein zentrales Thema ist Variabilität zwischen Systemen. Einige Tools beruhen auf statische Listen , während andere bieten Echtzeit-Datenströme . Ein PEP kann in einem System erscheinen, in einem anderen nicht.
Diese Unstimmigkeit birgt die Gefahr, dass unabhängige Vermögensverwalter die in der Regel einen individuelleren und beziehungsorientierteren Service anbieten als große Banken. Um die Lücken zu schließen, sind oft manuelle Überprüfungen, datenbankübergreifende Vergleiche und verstärkte Sorgfaltsprüfungen erforderlich.
Netzwerk-Screening: Familie, Partner und darüber hinaus Eine weitere Ebene der Komplexität ist die Identifizierung der PEP und ihres Netzwerks. Viele Familienmitglieder und Geschäftspartner bekleiden keine öffentlichen Ämter, verwalten aber dennoch bedeutende Vermögenswerte. Diese Personen können Gelder überweisen, Investitionen tätigen oder Konten eröffnen - all dies kann unter die AML-Prüfung fallen, wenn es mit einem PEP in Verbindung steht.
Die Rolle des Multibankings und der konsolidierten Beaufsichtigung Ein zentraler Überblick ist der Schlüssel für Vermögensverwalter, die in einem Multibanking-Einrichtung . Depotübergreifende Echtzeit-Screening-Tools ermöglichen eine bessere Erkennung von Risiken im gesamten Kundenvermögen, nicht nur innerhalb einer einzelnen Institution.
A Multibanking-Einrichtung konsolidiert alle Kundenkonten über verschiedene Finanzinstitute hinweg und bietet so einen vollständigen Überblick über Liquidität, Transaktionen und potenzielle Schwachstellen. In Kombination mit robusten PEP-Screening-Tools verbessert diese Einrichtung die Compliance und die strategische Entscheidungsfindung.
Eine moderne Strategie zur Einhaltung der Vorschriften bedeutet mehr als nur "eine Datenbank zu haben". Tools müssen sein:
Integriert in das Onboarding und fortlaufend KYC-Überwachung Fähigkeit, Netzrisiken zu erkennen und nicht nur einzelne Personen Häufig aktualisiert , idealerweise in Echtzeit Überprüfbar Erstellung von Protokollen darüber, wer, wann und warum kontrolliert wurde Unabhängige Vermögensverwalter, die veraltete oder unzureichende Systeme verwenden, können nicht nur wichtige Warnsignale übersehen, sondern auch hinter den Branchenstandards zurückbleiben.
Abschließende Überlegungen: Compliance ist ein Wettbewerbsvorteil Für unabhängige Vermögensverwalter, PEP-Kontrollen nicht mehr als Belastung angesehen werden kann -sie sind ein Unterscheidungsmerkmal . Die Kunden vertrauen denjenigen, die ihren Ruf und ihr Kapital schützen, und die Aufsichtsbehörden belohnen diejenigen, die sichere Prozesse aufrechterhalten.
Vermögensverwalter können sich als sicher, modern und global ausgerichtet positionieren, indem sie in Folgendes investieren hochwertige PEP-Datenbanken , Verständnis Netzrisiko und die Einbettung der Compliance in den gesamten Kundenkreis Lebenszyklus .
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