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\u062a\u0635\u0644\u062d \u0644\u0627\u062a\u062e\u0627\u0630 \u0625\u062c\u0631\u0627\u0621 \u0628\u062d\u0642 \u0635\u0627\u062d\u0628 \u0627\u0644\u062d\u0633\u0627\u0628\u060c <strong>\u0648\u064a\u0645\u0643\u0646 \u062d\u0635\u0631\u0647\u0627 \u0628\u0647\u0630\u0647 \u0627\u0644\u0623\u0633\u0628\u0627\u0628:<a href=\"#_ftn4\" id=\"_ftnref4\"><strong>[4]<\/strong><\/a><\/strong><\/p>\n\n\n\n<p><strong>1. \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0644\u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0648\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0631\u0647\u0627\u0628 (<\/strong><strong>AML\/CFT<\/strong><strong>)<\/strong><\/p>\n\n\n\n<p>\u0647\u0630\u0627 \u0647\u0648 \u0627\u0644\u0633\u0628\u0628 \u0627\u0644\u0623\u0643\u062b\u0631 \u0634\u064a\u0648\u0639\u0627 \u0641\u064a \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0639\u0645\u0648\u0645\u0627\u060c \u0648\u0627\u0644\u062a\u064a \u062a\u0639\u0632\u0649 \u0625\u0644\u064a:<\/p>\n\n\n\n<p>\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0645\u062a\u0643\u0631\u0631\u0629 \u063a\u064a\u0631 \u0645\u0628\u0631\u0631\u0629 \u0627\u0644\u0645\u0635\u062f\u0631<\/p>\n\n\n\n<p>\u0646\u0634\u0627\u0637 \u0645\u0627\u0644\u064a \u0644\u0627 \u064a\u062a\u0646\u0627\u0633\u0628 \u0645\u0639 \u062f\u062e\u0644 \u0627\u0644\u062d\u0633\u0627\u0628<\/p>\n\n\n\n<p>\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u062e\u0627\u0631\u062c\u064a\u0629 \u0639\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u0643\u0631\u0627\u0631 \u0639\u0628\u0631 IBAN<\/p>\n\n\n\n<p>\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062d\u0633\u0627\u0628 \u0643\u0640 &#8220;\u0648\u0633\u064a\u0637 \u062a\u062d\u0648\u064a\u0644&#8221; \u0648\u0644\u064a\u0633 \u0644\u062d\u0633\u0627\u0628 \u0634\u062e\u0635\u064a<\/p>\n\n\n\n<p>\u0648\u0641\u064a \u0628\u064a\u0626\u0629 \u0645\u062b\u0644 \u063a\u0632\u0629\u060c \u064a\u0628\u0631\u0632 \u0647\u0630\u0627 \u0627\u0644\u0633\u0628\u0628 \u0628\u0627\u0639\u062a\u0628\u0627\u0631\u0647 \u0627\u0644\u0623\u0643\u062b\u0631 \u0634\u064a\u0648\u0639\u0627<\/p>\n\n\n\n<p>\u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0627\u0644\u062d\u0648\u0627\u0644\u0627\u062a \u0627\u0644\u0625\u0646\u0633\u0627\u0646\u064a\u0629<\/p>\n\n\n\n<p>\u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u063a\u064a\u0631 \u0627\u0644\u0631\u0633\u0645\u064a<\/p>\n\n\n\n<p>\u063a\u064a\u0627\u0628 \u0625\u062b\u0628\u0627\u062a\u0627\u062a \u0627\u0644\u062f\u062e\u0644<\/p>\n\n\n\n<p><strong>2. \u0633\u0644\u0648\u0643 \u0645\u0627\u0644\u064a \u063a\u064a\u0631 \u0646\u0645\u0637\u064a (<\/strong><strong>Unusual Transaction Patterns<\/strong><strong>) \u0648\u0627\u0644\u0630\u064a \u064a\u0634\u0645\u0644:<\/strong><\/p>\n\n\n\n<p>\u0625\u064a\u062f\u0627\u0639\u0627\u062a \u0648\u0633\u062d\u0648\u0628\u0627\u062a \u064a\u0648\u0645\u064a\u0629 \u0645\u062a\u0643\u0631\u0631\u0629 \u0628\u0643\u0645\u064a\u0627\u062a \u0635\u063a\u064a\u0631\u0629<\/p>\n\n\n\n<p>\u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0645\u0628\u0627\u0634\u0631\u0629 \u0628\u0639\u062f \u0648\u0635\u0648\u0644\u0647\u0627<\/p>\n\n\n\n<p>\u062d\u0631\u0643\u0629 \u0645\u0627\u0644\u064a\u0629 \u0633\u0631\u064a\u0639\u0629 \u062f\u0627\u062e\u0644 \u0648\u062e\u0627\u0631\u062c \u0627\u0644\u062d\u0633\u0627\u0628 (Pass-through accounts)<\/p>\n\n\n\n<p>\u0647\u0630\u0647 \u0627\u0644\u0623\u0646\u0645\u0627\u0637 \u062a\u064f\u0635\u0646\u0641 \u0645\u0635\u0631\u0641\u064a\u0627 \u0643\u0640&#8221;\u0639\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631&#8221; \u062d\u062a\u0649 \u0644\u0648 \u0643\u0627\u0646\u062a \u0637\u0628\u064a\u0639\u064a\u0629 \u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0627.<\/p>\n\n\n\n<p><strong>3. \u0627\u0644\u0627\u0634\u062a\u0628\u0627\u0647 \u0628\u0627\u0644\u0648\u0633\u0627\u0637\u0629 \u0627\u0644\u0646\u0642\u062f\u064a\u0629 \u063a\u064a\u0631 \u0627\u0644\u0645\u0631\u062e\u0635\u0629 (\u0633\u0645\u0627\u0633\u0631\u0629 \u0627\u0644\u0639\u0645\u0648\u0644\u0629) \u0648\u0627\u0644\u062a\u064a \u062a\u0634\u0645\u0644:<\/strong><\/p>\n\n\n\n<p>\u0623\u0634\u062e\u0627\u0635 \u064a\u0633\u062a\u062e\u062f\u0645\u0648\u0646 \u0627\u0644\u062d\u0633\u0627\u0628 \u0644\u062a\u0628\u062f\u064a\u0644 \u0627\u0644\u0646\u0642\u062f \u0645\u0642\u0627\u0628\u0644 \u0639\u0645\u0648\u0644\u0629<\/p>\n\n\n\n<p>\u062a\u0634\u063a\u064a\u0644 &#8220;\u0633\u0648\u0642 \u0633\u064a\u0648\u0644\u0629 \u0645\u0648\u0627\u0632\u064d&#8221; \u062e\u0627\u0631\u062c \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0631\u0633\u0645\u064a<\/p>\n\n\n\n<p>\u062a\u062c\u0645\u064a\u0639 \u0623\u0645\u0648\u0627\u0644 \u0648\u062a\u062d\u0648\u064a\u0644\u0647\u0627 \u0646\u0642\u062f\u064b\u0627 \u0628\u0634\u0643\u0644 \u063a\u064a\u0631 \u0645\u0646\u0638\u0645<\/p>\n\n\n\n<p>\u062d\u064a\u062b \u0623\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u062a\u0639\u062a\u0628\u0631 \u0647\u0630\u0627 \u0646\u0634\u0627\u0637\u0627 \u062a\u062c\u0627\u0631\u064a\u0627 \u063a\u064a\u0631 \u0645\u0631\u062e\u0635 \u062f\u0627\u062e\u0644 \u062d\u0633\u0627\u0628 \u0641\u0631\u062f\u064a.<\/p>\n\n\n\n<p><strong>4. \u0639\u062f\u0645 \u0643\u0641\u0627\u064a\u0629 \u0623\u0648 \u062a\u0636\u0627\u0631\u0628 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a (<\/strong><strong>KYC Issues<\/strong><strong>) \u0648\u0627\u0644\u062a\u064a \u062a\u0634\u0645\u0644<\/strong><\/p>\n\n\n\n<p>\u0628\u064a\u0627\u0646\u0627\u062a \u0647\u0648\u064a\u0629 \u063a\u064a\u0631 \u0645\u0643\u062a\u0645\u0644\u0629 \u0623\u0648 \u0642\u062f\u064a\u0645\u0629<\/p>\n\n\n\n<p>\u062a\u063a\u064a\u0651\u0631 \u0645\u0643\u0627\u0646 \u0627\u0644\u0633\u0643\u0646 \u062f\u0648\u0646 \u062a\u062d\u062f\u064a\u062b<\/p>\n\n\n\n<p>\u0639\u062f\u0645 \u0648\u062c\u0648\u062f \u0645\u0635\u062f\u0631 \u062f\u062e\u0644 \u0645\u0648\u062b\u0642<\/p>\n\n\n\n<p>\u0641\u062a\u062d \u0627\u0644\u062d\u0633\u0627\u0628 \u0636\u0645\u0646 \u0628\u0631\u0627\u0645\u062c \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u062b\u0645 \u062a\u063a\u064a\u0651\u0631 \u0646\u0645\u0637 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645<\/p>\n\n\n\n<p><strong>5. \u0642\u0631\u0627\u0631\u0627\u062a \u0627\u0645\u062a\u062b\u0627\u0644 \u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 (<\/strong><strong>Risk Scoring<\/strong><strong>)<\/strong><\/p>\n\n\n\n<p>\u0627\u0644\u0628\u0646\u0648\u0643 \u062a\u0633\u062a\u062e\u062f\u0645 \u0623\u0646\u0638\u0645\u0629 \u062a\u0642\u064a\u064a\u0645 \u062f\u0627\u062e\u0644\u064a:<\/p>\n\n\n\n<p>\u0643\u0644 \u062d\u0633\u0627\u0628 \u0644\u0647 &#8220;\u062f\u0631\u062c\u0629 \u0645\u062e\u0627\u0637\u0631&#8221;<\/p>\n\n\n\n<p>\u0625\u0630\u0627 \u0627\u0631\u062a\u0641\u0639\u062a \u0627\u0644\u062f\u0631\u062c\u0629 \u0642\u062f \u064a\u062a\u0645 \u062a\u0642\u064a\u064a\u062f \u0623\u0648 \u0625\u063a\u0644\u0627\u0642 \u0627\u0644\u062d\u0633\u0627\u0628\u060c \u0648\u064a\u0631\u062a\u0641\u0639 \u0627\u0644\u062a\u0635\u0646\u064a\u0641 \u0641\u064a \u062d\u0627\u0644\u0627\u062a:<\/p>\n\n\n\n<p><strong>\u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0627\u0644\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0641\u0642\u0637<\/strong><\/p>\n\n\n\n<p>\u0646\u0634\u0627\u0637 \u0645\u0627\u0644\u064a \u063a\u064a\u0631 \u0645\u0633\u062a\u0642\u0631<\/p>\n\n\n\n<p>\u0643\u062b\u0631\u0629 \u0627\u0644\u0634\u0643\u0627\u0648\u0649 \u0623\u0648 \u0627\u0644\u0646\u0632\u0627\u0639\u0627\u062a<\/p>\n\n\n\n<p><strong>6. \u0642\u0631\u0627\u0631\u0627\u062a \u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u062e\u0627\u0631\u062c\u064a\u0629 \u0623\u0648 \u0627\u0644\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0627\u0644\u062f\u0648\u0644\u064a\u0629<\/strong><\/p>\n\n\n\n<p>\u0641\u064a \u0628\u0639\u0636 \u0627\u0644\u062d\u0627\u0644\u0627\u062a:<\/p>\n\n\n\n<p>\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0645\u0646 \u0623\u0648 \u0625\u0644\u0649 \u062c\u0647\u0627\u062a \u062e\u0627\u0631\u062c\u064a\u0629 \u062a\u062e\u0636\u0639 \u0644\u0631\u0642\u0627\u0628\u0629 \u0645\u0634\u062f\u062f\u0629<\/p>\n\n\n\n<p>\u0648\u062c\u0648\u062f \u062a\u0634\u0627\u0628\u0647 \u0623\u0633\u0645\u0627\u0621 \u0623\u0648 \u062a\u0637\u0627\u0628\u0642\u0627\u062a \u0641\u064a \u0642\u0648\u0627\u0626\u0645 \u0645\u0631\u0627\u0642\u0628\u0629 \u062f\u0648\u0644\u064a\u0629 (Watchlists)<\/p>\n\n\n\n<p>\u0648\u0647\u0630\u0647 \u0646\u0642\u0637\u0629 \u062d\u0633\u0627\u0633\u0629 \u062c\u062f\u0627 \u0641\u064a \u0627\u0644\u0633\u064a\u0627\u0642 \u0627\u0644\u0641\u0644\u0633\u0637\u064a\u0646\u064a \u0639\u0645\u0648\u0645\u0627 \u0643\u0648\u0646 \u0627\u0644\u0645\u0634\u0645\u0648\u0644\u064a\u0646 \u0628\u0647\u0630\u0627 \u0627\u0644\u062a\u0635\u0646\u064a\u0641 \u0642\u062f \u064a\u0643\u0648\u0646\u0648\u0627 \u0623\u0641\u0631\u0627\u062f\u0627 \u064a\u062a\u0628\u0639\u0648\u0646 \u0644\u062a\u0646\u0638\u064a\u0645\u0627\u062a \u064a\u0635\u0646\u0641\u0648\u0646\u0647\u0627 \u0628\u0623\u0646\u0647\u0627 &#8220;\u0645\u062d\u0638\u0648\u0631\u0629&#8221;.<\/p>\n\n\n\n<p><strong>7. \u0627\u0639\u062a\u0628\u0627\u0631\u0627\u062a \u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u062f\u0627\u062e\u0644\u064a\u0629 (<\/strong><strong>Operational Risk Controls<\/strong><strong>)<\/strong><\/p>\n\n\n\n<p>\u062a\u0642\u0644\u064a\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0641\u064a \u0628\u064a\u0626\u0629 \u062d\u0631\u0628<\/p>\n\n\n\n<p>\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0645\u0646 \u0627\u0646\u0647\u064a\u0627\u0631\u0627\u062a \u0633\u064a\u0648\u0644\u0629 \u062c\u0632\u0626\u064a\u0629<\/p>\n\n\n\n<p>\u0625\u0639\u0627\u062f\u0629 \u0647\u064a\u0643\u0644\u0629 \u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0648\u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0646\u0634\u0637\u0629<\/p>\n\n\n\n<p>\u062e\u062a\u0627\u0645\u0627\u060c \u064a\u0645\u0643\u0646 \u062a\u0644\u062e\u064a\u0635 \u0627\u0644\u0635\u0648\u0631\u0629 \u0628\u0647\u0630\u0627 \u0627\u0644\u0634\u0643\u0644:<\/p>\n\n\n\n<p><strong>\u0625\u063a\u0644\u0627\u0642 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0641\u064a \u0633\u064a\u0627\u0642 \u063a\u0632\u0629 \u0644\u0627 \u064a\u0631\u062a\u0628\u0637 \u0628\u0633\u0628\u0628 \u0648\u0627\u062d\u062f\u060c \u0628\u0644 \u0647\u0648 \u0646\u062a\u064a\u062c\u0629 \u062a\u062f\u0627\u062e\u0644 \u062b\u0644\u0627\u062b\u0629 \u0645\u0633\u062a\u0648\u064a\u0627\u062a:<\/strong><\/p>\n\n\n\n<p>&#8211; \u0627\u0645\u062a\u062b\u0627\u0644 \u0631\u0642\u0627\u0628\u064a \u062f\u0648\u0644\u064a \u0635\u0627\u0631\u0645<\/p>\n\n\n\n<p>&#8211; \u0633\u0644\u0648\u0643 \u0627\u0642\u062a\u0635\u0627\u062f\u064a \u063a\u064a\u0631 \u0646\u0645\u0637\u064a \u0641\u0631\u0636\u062a\u0647 \u0627\u0644\u062d\u0631\u0628 \u0648\u0627\u0646\u0647\u064a\u0627\u0631 \u0627\u0644\u0633\u0648\u0642\u060c<\/p>\n\n\n\n<p>&#8211; \u0636\u0639\u0641 \u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u0645\u0624\u0633\u0633\u064a\u0629 \u0627\u0644\u0642\u0627\u062f\u0631\u0629 \u0639\u0644\u0649 \u062a\u0648\u062b\u064a\u0642 \u0627\u0644\u0646\u0634\u0627\u0637 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a.<\/p>\n\n\n\n<p><strong>\u062e\u0627\u0645\u0633\u0627\u064b: \u0627\u0644\u062a\u062c\u0645\u064a\u062f 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