FATF-GAFI: Money Transfer - linee guida per l’approccio basato sul rischio (29 febbraio 2016)

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FATF- GAFI - the Financial Action Task Force / Le Groupe d’action financière- è un organismo intergovernativo che ha l’obiettivo di fissare standard comuni e promuovere misure ed azioni legali, normativi e operative per una efficace lotta al riciclaggio di denaro, al finanziamento del terrorismo e ad altre minacce correlate alla integrità del sistema finanziario internazionale.
Il 23 febbraio 2016 il FATF- GAFI ha pubblicato il documento “Guidance for a Risk-Based Approach for Money or Value Transfer Services” - Linee guida per l’approccio basato sul rischio per i Money Transfer e altri soggetti che forniscono servizi di trasferimento di denaro o valori – (qui il testo in inglese in pdf, 3.3 M, 71 pp.)

Guidance for a Risk-Based Approach for Money or Value Transfer Services

Money or Value Transfer Services (MVTS) play an important role in the international financial system and in supporting financial inclusion.
In December 2015[1], the United Nations estimated that developing countries received over USD 400 billion in remittances from migrants living abroad in 2014.
However, like other financial institutions, MVTS providers are also vulnerable to the abuse for the purpose of money laundering and terrorist financing.
The FATF has updated its 2009 Guidance on a Risk-Based Approach for Money Services Businesses to bring it into line with the 2012 FATF Recommendations.
This non-binding Guidance is intended to assist countries and their competent authorities, as well as the practitioners in the MTVS sector and in the banking sector that have or are considering MVTS providers as customers, to apply the risk-based approach associated to MVTS.
The risk-based approach, the cornerstone of the FATF Standards, requires that measures to combat ML/TF are commensurate with the risks. Such measures should not necessarily result into the categorisation of all MVTS providers as inherently high-risk.
The overall risks and threats are influenced by the extent and quality of regulatory and supervisory framework as well as the implementation of risk-based controls and mitigating measures by each MVTS provider.
While this Guidance is applicable to the entire MTVS sector (both banking and non-banking institutions offering MVTS); it is primarily intended for non-banking MVTS providers. This Guidance should be read in conjunction with other relevant Guidance, in particular FATF Guidance for a Risk-Based Approach: The Banking Sector.

Note

[1] www.un.org/sg/statements/index.asp?nid=9350

Annex

  • FATF- GAFI, "Guidance for a Risk-Based Approach for Money or Value Transfer Services", February 2016 (pdf, 3.3 M, 71 pp.)

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