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charset="Windows-1252" Content-Transfer-Encoding: 8bit Tähelepanu! Tegemist on välisvõrgust saabunud kirjaga. Tundmatu saatja korral palume linke ja faile mitte avada. Lp Rahapesu Andmebüroo esindaja, Soovin paluda Rahapesu Andmebüroo seisukohta ja praktilist tõlgendust küsimuses, kas teise EL liikmesriigi kodanik, kes viibib ja elab Eestis osaliselt (st ei pruugi pidevalt viibida Eestis), võib olla määratud Eesti krediidiasutuse MLRO / AML/CFT compliance officer rolli ning täita ka kontaktisiku ülesandeid. Kui krediidiasutus sooviks nimetada MLRO/AML vastutava isiku, kelle töö on sisuliselt AML/CFT kontrollraamistiku juhtimine ning sh vajadusel koostöö pädevate asutustega, kas ja millistel tingimustel saab sama isik olla ka RahaPTS § 17 tähenduses “kontaktisik” (RAB kontaktisik), kui tema Eestis viibimine ei ole alaline/pidev? RahaPTS § 17 lg 5 sätestab, et kontaktisikuks võib määrata üksnes isiku, kes töötab alaliselt Eestis ning kellel on vajalik sobivus ja laitmatu maine, kontaktisiku määramine kooskõlastatakse RAB-iga. Seetõttu on meie esmane arusaam, et kui MLRO roll on organisatsioonis seatud nii, et MLRO täidab ka § 17 lg 2–5 “kontaktisiku” funktsiooni (sh RAB-iga suhtlemine/teadete esitamine), siis tuleb arvestada asukohanõudega (“töötab alaliselt Eestis”). Samas praktikas võib MLRO roll organisatsioonis olla laiem kui “kontaktisiku” roll (kontaktisik kui spetsiifiline teate esitamise ja RAB-ga suhtluse kanal), mistõttu vajame RAB-i seisukohta, kas ja kuidas RAB eristab: * MLRO/AML compliance officer (krediidiasutuse AML/CFT funktsiooni juht) ning * RahaPTS § 17 “kontaktisik” (RAB kontaktisik, sh teavituste esitamine). EBA “Guidelines on AML/CFT compliance officers” (EBA/GL/2022/05) viitab, et AML/CFT compliance officer peaks üldjuhul olema lepingu järgi hõlmatud ja töötama selles riigis, kus krediidi- või finantseerimisasutus on asutatud, et olla pädevale asutusele ja FIU-le vajadusel kättesaadav . Samas näevad suunised ette, et riskiga proportsionaalselt ja ulatuses, milles siseriiklik õigus seda lubab, võib AML/CFT compliance officer olla lepinguliselt seotud töötama ka teises jurisdiktsioonis. Meie tõlgendus on, et EBA suunised lubavad teatud paindlikkust, kuid Eesti siseriiklik asukohanõue võib piirata vähemalt seda osa rollist, mis kvalifitseerub RahaPTS § 17 mõttes “kontaktisikuks”. Kui RAB leiab, et § 17 lg 5 “töötab alaliselt Eestis” nõue välistab, et osaliselt Eestis viibiv välisriigi EL kodanik saaks olla RAB kontaktisik, siis kas RAB nõustub alljärgneva lahendusega: * määratakse täiendav Eestis alaliselt töötav kontaktisik (RahaPTS § 17 lg 5 nõuetele vastav) RAB-iga suhtluseks ja teavituste esitamiseks; ning * MLRO / AML compliance officeri rolli laiemalt (sisekontrolli, riskihinnangu, poliitikate, kontrollide, koolituste, aruandluse jne juhtimine) võib määrata täitma ka välisriigi EL kodaniku, tagades samas tema reaalse kättesaadavuse (nt regulaarne kohalkäimine Eestis, kokkulepitud reageerimisajad, asendaja/delegeerimise kord, ligipääs süsteemidele jne). Palun RAB-i hinnangut, kas selline jaotus oleks RAB-i ootustega kooskõlas ning millised miinimumnõuded RAB praktikast tulenevalt tavapäraselt “kättesaadavuse” ja “alaliselt Eestis töötamise” nõude sisustamisel arvesse lähevad. Ette tänades Lugupidamisega Kerly Küünemäe Vastavuskontrolli juht kerly.kuunemae@bondora.com Bondora.com CONFIDENTIALITY DISCLAIMER: The content of this email and any attachments are confidential. The information transmitted is intended only for the person or entity to which it is addressed. Any review, retransmission, dissemination, or other use of, or taking of any action in reliance upon, this information by persons or entities other than the intended recipient is prohibited. If you received this in error, please contact the sender and delete the material permanently. ------=_NextPart_001_0001_01DC9B3D.D16379E0 Content-Type: text/html; charset="Windows-1252" Content-Transfer-Encoding: quoted-printable

T=E4helepanu! Tegemist on = v=E4lisv=F5rgust saabunud kirjaga.
Tundmatu saatja korral palume = linke ja faile mitte = avada.

Lp Rahapesu = Andmeb=FCroo esindaja,

Soovin paluda Rahapesu Andmeb=FCroo seisukohta ja praktilist = t=F5lgendust k=FCsimuses, kas teise EL liikmesriigi kodanik, kes viibib = ja elab Eestis osaliselt (st ei pruugi pidevalt viibida Eestis), v=F5ib olla m=E4=E4ratud Eesti krediidiasutuse MLRO / AML/CFT = compliance officer rolli ning t=E4ita ka kontaktisiku = =FClesandeid.

Kui krediidiasutus sooviks = nimetada MLRO/AML vastutava isiku, kelle t=F6=F6 on sisuliselt AML/CFT kontrollraamistiku juhtimine ning sh vajadusel koost=F6=F6 = p=E4devate asutustega, kas ja millistel tingimustel saab sama isik olla = ka RahaPTS =A7 17 t=E4henduses =93kontaktisik=94 (RAB kontaktisik), = kui tema Eestis viibimine ei ole alaline/pidev?

RahaPTS =A7 17 lg 5 s=E4testab, = et kontaktisikuks v=F5ib m=E4=E4rata =FCksnes isiku, kes t=F6=F6tab = alaliselt Eestis ning kellel on vajalik sobivus ja laitmatu maine, =  kontaktisiku m=E4=E4ramine koosk=F5lastatakse RAB-iga.

Seet=F5ttu on meie esmane = arusaam, et kui MLRO roll on organisatsioonis seatud nii, et MLRO t=E4idab ka =A7 17 lg 2=965 =93kontaktisiku=94 funktsiooni (sh RAB-iga = suhtlemine/teadete esitamine), siis tuleb arvestada asukohan=F5udega = (=93t=F6=F6tab alaliselt Eestis=94).

Samas praktikas v=F5ib MLRO roll = organisatsioonis olla laiem kui =93kontaktisiku=94 roll (kontaktisik kui spetsiifiline teate esitamise ja RAB-ga suhtluse kanal), mist=F5ttu = vajame RAB-i seisukohta, kas ja kuidas RAB eristab:

  • MLRO/AML compliance = officer (krediidiasutuse AML/CFT  funktsiooni juht) ning

  • RahaPTS =A7 17 = =93kontaktisik=94 (RAB kontaktisik, sh teavituste esitamine).

EBA =93Guidelines on AML/CFT = compliance officers=94 (EBA/GL/2022/05) viitab, et AML/CFT compliance officer peaks =FCldjuhul olema lepingu j=E4rgi h=F5lmatud ja = t=F6=F6tama selles riigis, kus krediidi- v=F5i finantseerimisasutus = on asutatud, et olla p=E4devale asutusele ja FIU-le vajadusel = k=E4ttesaadav .
Samas n=E4evad suunised ette, et riskiga proportsionaalselt ja ulatuses, = milles siseriiklik =F5igus seda lubab, v=F5ib AML/CFT compliance officer = olla lepinguliselt seotud t=F6=F6tama ka teises = jurisdiktsioonis.

Meie t=F5lgendus on, et EBA = suunised lubavad teatud paindlikkust, kuid Eesti siseriiklik asukohan=F5ue v=F5ib piirata v=E4hemalt seda osa rollist, mis = kvalifitseerub RahaPTS =A7 17 m=F5ttes =93kontaktisikuks=94.

Kui RAB leiab, et =A7 17 lg 5 = =93t=F6=F6tab alaliselt Eestis=94 n=F5ue v=E4listab, et osaliselt Eestis viibiv v=E4lisriigi EL kodanik saaks olla RAB kontaktisik, siis kas RAB = n=F5ustub allj=E4rgneva lahendusega: 

  • m=E4=E4ratakse = t=E4iendav  Eestis alaliselt t=F6=F6tav kontaktisik (RahaPTS = =A7 17 lg 5 n=F5uetele vastav) RAB-iga suhtluseks ja teavituste = esitamiseks; ning

  • MLRO / AML compliance = officeri rolli laiemalt (sisekontrolli, riskihinnangu, poliitikate, = kontrollide, koolituste, aruandluse jne juhtimine) v=F5ib m=E4=E4rata = t=E4itma ka  v=E4lisriigi EL kodaniku, tagades samas tema reaalse k=E4ttesaadavuse (nt regulaarne kohalk=E4imine Eestis, kokkulepitud = reageerimisajad, asendaja/delegeerimise kord, ligip=E4=E4s = s=FCsteemidele jne).

Palun RAB-i hinnangut, kas = selline jaotus oleks RAB-i ootustega koosk=F5las ning millised miinimumn=F5uded RAB praktikast tulenevalt tavap=E4raselt = =93k=E4ttesaadavuse=94 ja =93alaliselt Eestis t=F6=F6tamise=94 n=F5ude = sisustamisel arvesse l=E4hevad.


Ette t=E4nades

Lugupidamisega

Kerly = K=FC=FCnem=E4e

Vastavuskontrolli juht
kerly.kuunemae@bondora.com
Bondora.com

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