{"id":15538,"date":"2025-10-09T10:58:12","date_gmt":"2025-10-09T08:58:12","guid":{"rendered":"https:\/\/vapa.ch\/?p=15538"},"modified":"2025-12-24T09:32:31","modified_gmt":"2025-12-24T08:32:31","slug":"status-bad-leaver-private-banking","status":"publish","type":"post","link":"https:\/\/vapa.ch\/de\/bad-leaver-status-private-banking\/","title":{"rendered":"Erkl\u00e4rungen zum Status \"Bad Leaver\" und zu Kunden\u00fcbertragungen \ud83d\udea7\ud83e\udd1d"},"content":{"rendered":"<p>Wenn ein <a href=\"https:\/\/vapa.ch\/de\/austritt-aus-einer-privatbank\/\">Privatbankier verl\u00e4sst eine Bank<\/a> bei einem unabh\u00e4ngigen Verm\u00f6gensverwalter, dem \u201c<a href=\"https:\/\/vapa.ch\/de\/verstandnis-der-auswirkungen-des-bad-leaver-status-im-private-banking\/\">Streitiger Austritt<\/a>\"Klausel wird oft relevant. Viele Banken wenden diese Klausel zwar m\u00fcndlich an, setzen sie aber in der Praxis durch. Sie verbietet es dem Bankier, f\u00fcr einen bestimmten Zeitraum mit dem ehemaligen Institut zusammenzuarbeiten. Dies hat zur Folge, dass sowohl der Banker als auch die Bank jede direkte Interaktion einstellen m\u00fcssen. Selbst wenn beide Seiten die Beziehung fortsetzen wollen, verhindert die Regel dies. Daher kann der Kunde nicht direkt von der Private-Banking-Abteilung zum External Asset Manager (EAM) derselben Bank wechseln.<\/p>\n\n\n\n<p><br>Aber auch wenn beide Seiten die Beziehung fortsetzen wollen, gilt die Beschr\u00e4nkung weiter und schr\u00e4nkt eine unmittelbare Zusammenarbeit ein.<\/p>\n\n\n\n<p>Doch auch ohne solche Beschr\u00e4nkungen bleibt der Arbeitsaufwand bei einer Kunden\u00fcbertragung im Wesentlichen derselbe. Jeder Wechsel zu einem unabh\u00e4ngigen Verm\u00f6gensverwalter l\u00f6st eine vollst\u00e4ndige <a href=\"https:\/\/vapa.ch\/de\/wie-man-einen-aussagekraftigen-kyc-bericht-schreibt-ein-leitfaden-fur-kundenbetreuer\/\">Kennen Sie Ihren Kunden<\/a> (KYC) \u00dcberpr\u00fcfung - eine detaillierte Neubewertung durch <a href=\"https:\/\/vapa.ch\/de\/relationship-manager-compliance-vermogensverwaltung\/\">Compliance<\/a>Risiko- und Rechtsteams. Jede Kundenbeziehung muss neu bewertet werden, wobei die Dokumentation, die Eignung und die Risikobewertungen vollst\u00e4ndig wiederholt werden.<\/p>\n\n\n\n<p>Der wahre Unterschied liegt in der Erfahrung des Kunden. Wenn der <a href=\"https:\/\/vapa.ch\/de\/\">Gewahrsam <\/a>Da das Konto bei derselben Bank verbleibt, f\u00fchlt sich der Prozess reibungsloser an: keine neuen Bankdokumente, keine ungewohnten Systeme und keine Notwendigkeit, sich an neue Kontoausz\u00fcge oder Berichtsformate anzupassen. F\u00fcr den Kunden f\u00fchlt sich diese Kontinuit\u00e4t nahtlos an - aber hinter den Kulissen ist die operative und regulatorische Arbeit weiterhin betr\u00e4chtlich.<\/p>\n\n\n\n<p>F\u00fcr den unabh\u00e4ngigen Verm\u00f6gensverwalter und den Kundenbetreuer tr\u00e4gt diese Kontinuit\u00e4t zum Erhalt des Vertrauens und der Kommunikation bei. Der Aufwand, der erforderlich ist, um den \u00dcbergang gesetzeskonform und sicher zu gestalten, entf\u00e4llt dadurch jedoch nicht.<\/p>\n\n\n\n<p>Letztlich ist ein \"<a href=\"https:\/\/vapa.ch\/de\/swiss-independent-wealth-management-blog\/status-des-bad-leaver-vermogensverwaltung\/\">Streitiger Austritt<\/a>\"Status ist nicht das Ende der Welt. Er kann zwar kurzfristig einige Unannehmlichkeiten verursachen, aber auch den Beginn eines neuen Kapitels markieren. Der Aufbau von Beziehungen auf einer neuen Grundlage schafft oft ein st\u00e4rkeres, nachhaltigeres Fundament - vor allem, wenn die alte Bank aktiv versucht, Kunden zur\u00fcck ins Private Banking zu holen.<\/p>\n\n\n\n<p>F\u00fcr diejenigen, die den Wechsel bereits vollzogen haben - was war f\u00fcr Sie der \u00fcberraschendste Teil des \u00dcbergangs? Lassen Sie uns einige Erfahrungen aus dem wirklichen Leben austauschen.<\/p>\n\n\n\n<p>Quelle: LinkedIn<\/p>\n<div class=\"wps-pgfw-pdf-generate-icon__wrapper-frontend pgfw-icon-display pgfw-icon-display--default\" style=\"--pgfw-icon-justify:;\"><a href=\"https:\/\/vapa.ch\/de\/wp-json\/wp\/v2\/posts\/15538?action=genpdf&#038;id=15538\" class=\"pgfw-single-pdf-download-button pgfw-single-pdf-download-button--default pgfw-single-pdf-download-button--image-only pgfw-single-pdf-download-button--icon-only\" title=\"PDF generieren\" style=\"--pgfw-icon-width:25px;--pgfw-icon-height:45px;\" target=\"_blank\" aria-label=\"PDF generieren\"><span class=\"pgfw-single-pdf-download-button__media\" aria-hidden=\"true\"><img src=\"https:\/\/vapa.ch\/wp-content\/uploads\/2024\/11\/pdf-svgrepo-com.svg\" alt=\"\" decoding=\"async\"><\/span><\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>Wenn ein Private Banker eine Bank verl\u00e4sst, um zu einem unabh\u00e4ngigen Verm\u00f6gensverwalter zu wechseln, wird die \"Bad Leaver\"-Klausel oft relevant. Viele Banken wenden diese Klausel nur m\u00fcndlich an, setzen sie aber in der Praxis durch. Sie verbietet dem Banker f\u00fcr einen bestimmten Zeitraum die Zusammenarbeit mit dem ehemaligen Institut. Dies hat zur Folge, dass sowohl der Banker als auch die Bank jede direkte Interaktion einstellen m\u00fcssen. Selbst wenn beide Seiten die Beziehung fortsetzen wollen, verhindert die Regel dies. Daher kann der Kunde nicht direkt von der Private-Banking-Abteilung zum External Asset Manager (EAM) derselben Bank wechseln. Aber auch wenn beide Seiten die Beziehung fortsetzen wollen, gilt die Beschr\u00e4nkung und schr\u00e4nkt eine unmittelbare Zusammenarbeit ein. Doch auch ohne solche Einschr\u00e4nkungen bleibt der Arbeitsaufwand bei einem Kundentransfer im Wesentlichen derselbe. Jeder Wechsel zu einem unabh\u00e4ngigen Verm\u00f6gensverwalter l\u00f6st eine vollst\u00e4ndige KYC-Pr\u00fcfung (Know Your Customer) aus - eine detaillierte Neubewertung durch Compliance-, Risiko- und Rechtsteams. Jede Kundenbeziehung muss neu validiert werden, wobei die Dokumentation, die Eignung und die Risikobewertung vollst\u00e4ndig wiederholt werden. Der eigentliche Unterschied liegt in der Erfahrung des Kunden. Bleibt das Depot bei der gleichen Bank, f\u00fchlt sich der Prozess reibungsloser an: keine neuen Bankdokumente, keine ungewohnten Systeme und keine Notwendigkeit ...<\/p>","protected":false},"author":1,"featured_media":15541,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_122096905244470929_329580246915571":"","twitter_1821932287224696832_1821932287224696832":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","_uag_custom_page_level_css":"","footnotes":""},"categories":[90],"tags":[277,55,230,99,188,145,212,283,42],"class_list":["post-15538","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-career-growth","tag-2025-blog-wealth-management","tag-career","tag-client-relationship","tag-independent-wealth-management","tag-job-change","tag-peacetalk","tag-politics","tag-trust","tag-wealth-management"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.5) - 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