{"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":"bad-leaver-status-private-banking","status":"publish","type":"post","link":"https:\/\/vapa.ch\/de\/status-bad-leaver-private-banking\/","title":{"rendered":"Bad-Leaver-Status und Kunden\u00fcbertragungen erkl\u00e4rt \ud83d\udea7\ud83e\udd1d"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Wenn ein <a href=\"https:\/\/vapa.ch\/de\/austritt-aus-einer-privatbank\/\">Private Banker eine Bank verl\u00e4sst<\/a> \u00a0und zu einem unabh\u00e4ngigen Verm\u00f6gensverwalter wechselt, wird oft die \u00ab<a href=\"https:\/\/vapa.ch\/de\/verstandnis-der-auswirkungen-des-bad-leaver-status-im-private-banking\/\">Bad Leaver<\/a>\u00bb-Klausel relevant. Viele Banken wenden diese Klausel nur m\u00fcndlich an, setzen sie in der Praxis aber durch. Sie untersagt dem Banker f\u00fcr eine bestimmte Zeit die Zusammenarbeit mit dem fr\u00fcheren Institut. Damit m\u00fcssen sowohl der Banker als auch die Bank jede direkte Interaktion aussetzen. Der Kunde kann daher nicht direkt von der Private-Banking-Abteilung zum EAM-Desk (External Asset Manager) derselben Bank wechseln.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>Auch wenn beide Seiten die Beziehung fortsetzen m\u00f6chten, gilt die Einschr\u00e4nkung weiter und verhindert eine unmittelbare Zusammenarbeit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Doch auch ohne solche Einschr\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\/\">Know Your Customer<\/a> (KYC)-Pr\u00fcfung aus \u2013 eine detaillierte Neubeurteilung durch die <a href=\"https:\/\/vapa.ch\/de\/relationship-manager-compliance-vermogensverwaltung\/\">Compliance<\/a>, Risiko- und Rechtsabteilung. Jede Kundenbeziehung muss neu validiert werden; Dokumentation, Eignungspr\u00fcfung und Risikobeurteilung werden vollst\u00e4ndig wiederholt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Der eigentliche Unterschied liegt im Erleben des Kunden. Wenn die <a href=\"https:\/\/vapa.ch\/de\/\">Verwahrung <\/a>bei derselben Bank bleibt, wirkt der Prozess reibungsloser: keine neuen Bankdokumente, keine ungewohnten Systeme, keine Umstellung auf neue Kontoausz\u00fcge oder Reporting-Formate. F\u00fcr den Kunden f\u00fchlt sich diese Kontinuit\u00e4t nahtlos an \u2013 hinter den Kulissen bleibt der operative und regulatorische Aufwand jedoch betr\u00e4chtlich.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">F\u00fcr den unabh\u00e4ngigen Verm\u00f6gensverwalter und den Kundenberater hilft diese Kontinuit\u00e4t, Vertrauen und Kommunikation zu erhalten. Der Aufwand, den \u00dcbergang regelkonform und sicher zu gestalten, entf\u00e4llt dadurch jedoch nicht.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Letztlich ist ein \u00ab<a href=\"https:\/\/vapa.ch\/de\/swiss-independent-wealth-management-blog\/status-des-bad-leaver-vermogensverwaltung\/\">Bad Leaver<\/a>\u00bb-Status nicht das Ende der Welt. Er kann kurzfristig Unannehmlichkeiten verursachen, aber auch den Beginn eines neuen Kapitels markieren. Beziehungen, die auf einem Neuanfang aufbauen, stehen oft auf einem st\u00e4rkeren, nachhaltigeren Fundament \u2013 vor allem, wenn die alte Bank aktiv versucht, Kunden ins Private Banking zur\u00fcckzuholen.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">An alle, die den Wechsel bereits vollzogen haben: Was hat Sie beim \u00dcbergang am meisten \u00fcberrascht? Teilen Sie Ihre Erfahrungen aus der Praxis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Quelle: LinkedIn<\/p>\n<div style=\"display:flex; gap:10px;justify-content:\" class=\"wps-pgfw-pdf-generate-icon__wrapper-frontend\">\n\t\t<a  href=\"https:\/\/vapa.ch\/de\/wp-json\/wp\/v2\/posts\/15538?action=genpdf&amp;id=15538\" class=\"pgfw-single-pdf-download-button\" target=\"_blank\"><img src=\"https:\/\/vapa.ch\/wp-content\/uploads\/2024\/11\/pdf-svgrepo-com.svg\" title=\"PDF generieren\" style=\"width:auto; height:45px;\"><\/a>\n\t\t<\/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 \u201eBad Leaver\u201c-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","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 v28.6 (Yoast SEO v28.6) - 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