{"id":2013,"date":"2025-03-21T16:49:27","date_gmt":"2025-03-21T15:49:27","guid":{"rendered":"https:\/\/www.finportalcorporatecenter.sk\/?page_id=2013"},"modified":"2025-04-01T12:27:33","modified_gmt":"2025-04-01T10:27:33","slug":"aml-politika","status":"publish","type":"page","link":"https:\/\/www.finportalcorporatecenter.sk\/?page_id=2013","title":{"rendered":"AML politika"},"content":{"rendered":"\t\t
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\n Politika AML\/CFT\u2013<\/strong> spolo\u010dnosti Finportal, a.s.\n<\/h1>\n

\nSpolo\u010dnos\u0165 Finportal, a.s. (\u010falej len \u201eFinportal\u201c) so s\u00eddlom Pribinova 4, 811 09 Bratislava, I\u010cO: 454 69\n156, zap\u00edsan\u00e1 v Obchodnom registri Mestsk\u00e9ho s\u00fadu Bratislava III, oddiel: Sa, vlo\u017eka \u010d\u00edslo: 5025\/B je\nosobou opravenou na v\u00fdkon \u010dinnos\u0165 samostatn\u00e9ho finan\u010dn\u00e9ho agenta pod\u013ea z\u00e1kona \u010d. 186\/2009 Z.z. o\nfinan\u010dnom sprostredkovan\u00ed a finan\u010dnom poradenstve a o zmene a doplnen\u00ed niektor\u00fdch z\u00e1konov v znen\u00ed\nneskor\u0161\u00edch predpisov vykon\u00e1vaj\u00facou finan\u010dn\u00e9 sprostredkovanie v sektoroch poistenia alebo zaistenia,\nkapit\u00e1lov\u00e9ho trhu, prij\u00edmania vkladov, poskytovania \u00faverov, \u00faverov na b\u00fdvanie a spotrebite\u013esk\u00fdch\n\u00faverov, doplnkov\u00e9ho d\u00f4chodkov\u00e9ho sporenia a starobn\u00e9ho d\u00f4chodkov\u00e9ho sporenia na z\u00e1klade\npovolenia N\u00e1rodnej banky Slovenska \u010d. ODT-11133\/2013-1 s licen\u010dn\u00fdm \u010d\u00edslom 119713.\n<\/p>\n

\nVo Finportal si uvedomujeme rizik\u00e1, ktor\u00e9 pre \u0148u vypl\u00fdvaj\u00fa z mo\u017en\u00e9ho zneu\u017eitia obchodov na legaliz\u00e1ciu\npr\u00edjmov z trestnej \u010dinnosti a na financovanie terorizmu. Preto sme sformulovali vlastn\u00fa koncepciu politiky\nboja proti praniu \u0161pinav\u00fdch pe\u0148az\u00ed a financovaniu terorizmu, ktor\u00e1 re\u0161pektuje uzn\u00e1van\u00e9 medzin\u00e1rodn\u00e9\n\u0161tandardy, predpisy platn\u00e9 v EU, z\u00e1kony Slovenskej republiky, ako aj ostatn\u00e9 normy platn\u00e9 v oblasti\npredch\u00e1dzania prania \u0161pinav\u00fdch pe\u0148az\u00ed a financovania terorizmu (\u010falej len \u201epravidl\u00e1 AML\u201c).\n<\/p>\n

\nKoncepcia obsahuje z\u00e1kladn\u00e9 princ\u00edpy, ktor\u00e9 uplat\u0148ujeme ako vo vz\u0165ahu ku klientom, tak aj vo vz\u0165ahu\nk vlastn\u00fdm zamestnancom s cie\u013eom eliminova\u0165 rizik\u00e1 vypl\u00fdvaj\u00face z mo\u017en\u00e9ho prepojenia finan\u010dn\u00e9ho\nsektora so svetom zlo\u010dinu a terorizmu.\n<\/p>\n

\nAby sme v oblasti AML predi\u0161li ak\u00fdmko\u013evek nekal\u00fdm praktik\u00e1m potrebujeme pre svoju \u010dinnos\u0165 s\u00fa\u010dinnos\u0165\nzo strany klientov a pr\u00edpadne aj in\u00fdch os\u00f4b. Z\u00e1merom Finportal je, aby \u017eiadna transakcia oh\u013eadom ktorej\nFinportal poskytuje sprostredkovate\u013esk\u00e9 slu\u017eby nemohla by\u0165 pou\u017eit\u00e1 pri legaliz\u00e1cii pr\u00edjmov z trestnej\n\u010dinnosti alebo pri financovan\u00ed terorizmu.\n<\/p>\n

\nMy, v\u0161etci zainteresovan\u00ed vo Finportal, preto vyhlasujeme nasledovn\u00e9:\n<\/p>\n

    \n
  1. \n Vo svojej \u010dinnosti sa plne riadime legislat\u00edvou Eur\u00f3pskej \u00fanie a Slovenskej republiky pre oblas\u0165\n predch\u00e1dzania zneu\u017eitia finan\u010dn\u00e9ho syst\u00e9mu na legaliz\u00e1ciu pr\u00edjmov z trestnej \u010dinnosti a\n financovanie terorizmu a to najm\u00e4 z\u00e1konom \u010d. 297\/2008 Z.z. o ochrane pred legaliz\u00e1ciou pr\u00edjmov\n z trestnej \u010dinnosti a o ochrane pred financovan\u00edm terorizmu a o zmene a doplnen\u00ed niektor\u00fdch\n z\u00e1konov. Takisto re\u0161pektujeme medzin\u00e1rodn\u00e9 \u0161tandardy v tejto oblasti najm\u00e4 odpor\u00fa\u010dania\n Financial Action Task Force.\n <\/li>\n
  2. \n M\u00e1me sformulovan\u00fa vlastn\u00fa koncepciu politiky pre oblas\u0165 AML, ktor\u00e1 sp\u013a\u0148a v\u0161etky legislat\u00edvne\n po\u017eiadavky Eur\u00f3pskej \u00fanie a Slovenskej republiky, s ktorou s\u00fa obozn\u00e1men\u00ed v\u0161etci zamestnanci\n a podriaden\u00ed finan\u010dn\u00ed agenti prostredn\u00edctvom pravideln\u00fdch ro\u010dn\u00fdch \u0161kolen\u00ed a prostredn\u00edctvom\n internej smernice.\n <\/li>\n
  3. \n Na\u0161a organiza\u010dn\u00e1 \u0161trukt\u00fara je definovan\u00e1 tak, aby zabezpe\u010dovala efekt\u00edvny a nez\u00e1visl\u00fd v\u00fdkon\n \u010dinnost\u00ed v oblasti AML.\n <\/li>\n
  4. \n Osoba zodpovedn\u00e1 za implement\u00e1ciu a dodr\u017eiavanie z\u00e1sad AML je neodmyslite\u013enou s\u00fa\u010das\u0165ou\n na\u0161ej vn\u00fatornej organiza\u010dnej \u0161trukt\u00fary.\n <\/li>\n
  5. \n Dodr\u017eujeme politiku a z\u00e1sady identifik\u00e1cie a overovania klientov, v r\u00e1mci ktorej z\u00edskavame\n dostato\u010dn\u00e9 inform\u00e1cie o klientoch a o \u00fa\u010dele a charaktere ich obchodov. Postupy Finportal v\n oblasti AML prebiehaj\u00fa pred uzavret\u00edm zmluvn\u00e9ho vz\u0165ahu s klientom ako aj po\u010das trvania tohto\n zmluvn\u00e9ho vz\u0165ahu. Inform\u00e1cie a doklady, ktor\u00e9 Finportal od svojich klientov po\u017eaduje nie s\u00fa\n samo\u00fa\u010deln\u00e9 a Finportal ich potrebuje pre identifik\u00e1ciu klienta, overenie jeho identifik\u00e1cie ako aj\n pre pos\u00fadenie obchodov, ktor\u00e9 bude klient realizova\u0165 z poh\u013eadu ich rizikovosti pre oblas\u0165 AML.\n Vy\u017eadovanie inform\u00e1ci\u00ed a dokladov od klientov je z\u00e1konn\u00e1 povinnos\u0165 Finportal a v pr\u00edpade, ak\n klient inform\u00e1cie a doklady Finportal neposkytne alebo ich poskytne v nedostato\u010dnom rozsahu,\n pr\u00edpadne bud\u00fa tieto inform\u00e1cie a doklady indikova\u0165 vysok\u00fa rizikovos\u0165 klienta z poh\u013eadu AML,\n Finportal m\u00f4\u017ee odmietnu\u0165 vstup do obchodn\u00e9ho vz\u0165ahu s tak\u00fdmto klientom. V ur\u010den\u00fdch\n pr\u00edpadoch vykon\u00e1vame kontrolu, v r\u00e1mci ktorej zis\u0165ujeme tie\u017e zdroj ich finan\u010dn\u00fdch prostriedkov\n alebo majetku a \u010fal\u0161ie inform\u00e1cie o \u00fa\u010dele a zam\u00fd\u0161\u013eanom charaktere obchodu. Potenci\u00e1lnych\n klientov preverujeme, \u010di nie s\u00fa zaraden\u00ed do medzin\u00e1rodn\u00fdch zoznamoch os\u00f4b a hnut\u00ed\n podporuj\u00facich terorizmus.\n <\/li>\n
  6. \n Aktualizujeme a archivujeme identifika\u010dn\u00e9 \u00fadaje klientov pod\u013ea po\u017eiadaviek \u00a7 19 z\u00e1kona \u010d.\n 297\/2008 Z.z.\n <\/li>\n
  7. \n Posudzujeme ka\u017ed\u00fd zam\u00fd\u0161\u013ean\u00fd a realizovan\u00fd obchod z poh\u013eadu mo\u017enej neobvyklosti.\n Monitorujeme aktivity na\u0161ich klientov z poh\u013eadu podozriv\u00fdch oper\u00e1ci\u00ed. Posudzovanie je\n vykon\u00e1van\u00e9 automatizovane ako aj odborne vy\u0161kolen\u00fdmi zamestnancami. V pr\u00edpade\n vyhodnotenia obchodu ako neobvykl\u00e9ho vykon\u00e1vame z\u00e1konom stanoven\u00e9 ohl\u00e1senie tak\u00e9hoto\n obchodu spravodajskej jednotke finan\u010dnej pol\u00edcie.\n <\/li>\n
  8. \n Neuzatv\u00e1rame obchody s klientmi, ktor\u00ed sa odmietnu identifikova\u0165.\n <\/li>\n
  9. \n Na\u0161i zamestnanci, ktor\u00ed sa venuj\u00fa oblasti AML a podriaden\u00ed finan\u010dn\u00ed agenti ka\u017edoro\u010dne absolvuj\u00fa\n potrebn\u00e9 \u0161kolenia. Inform\u00e1cie, smernice a popisy pr\u00e1ce s\u00fa pravidelne aktualizovan\u00e9 a\n zos\u00fala\u010fovan\u00e9 s medzin\u00e1rodn\u00fdmi \u0161tandardmi, legislat\u00edvnymi normami EU a SR.\n <\/li>\n<\/ol>\n

    \nV\u0161etky vy\u0161\u0161ie uveden\u00e9 z\u00e1kladn\u00e9 princ\u00edpy m\u00e1me konkretizovan\u00e9 vo viacer\u00fdch intern\u00fdch predpisoch. Medzi\nnajd\u00f4le\u017eitej\u0161ie patr\u00ed \u201eProgram vlastnej \u010dinnosti zameranej proti praniu \u0161pinav\u00fdch pe\u0148az\u00ed a financovaniu\nterorizmu\u201c, ktor\u00e9ho s\u00fa\u010das\u0165ou s\u00fa postupy upravuj\u00face identifik\u00e1ciu klientov a neobvykl\u00e9 obchody.\nPovinnosti a postupy rozpracovan\u00e9 v intern\u00fdch predpisoch s\u00fa platn\u00e9 a z\u00e1v\u00e4zn\u00e9 pre v\u0161etk\u00fdch na\u0161ich\nzamestnancov a podriaden\u00fdch finan\u010dn\u00fdch agentov. Prehlasujeme, \u017ee spolo\u010dnos\u0165 Finportal nikdy nebola\n\u017ealovan\u00e1 v s\u00favislosti s pran\u00edm \u0161pinav\u00fdch pe\u0148az\u00ed alebo financovan\u00edm terorizmu.\n<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

    Politika AML\/CFT\u2013 spolo\u010dnosti Finportal, a.s. Spolo\u010dnos\u0165 Finportal, a.s. (\u010falej len \u201eFinportal\u201c) so s\u00eddlom Pribinova 4, 811 09 Bratislava, I\u010cO: 454 69 156, zap\u00edsan\u00e1 v Obchodnom registri Mestsk\u00e9ho s\u00fadu Bratislava III, oddiel: Sa, vlo\u017eka \u010d\u00edslo: 5025\/B je osobou opravenou na v\u00fdkon \u010dinnos\u0165 samostatn\u00e9ho finan\u010dn\u00e9ho agenta pod\u013ea z\u00e1kona \u010d. 186\/2009 Z.z. o finan\u010dnom sprostredkovan\u00ed a finan\u010dnom poradenstve […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_ti_tpc_template_sync":false,"_ti_tpc_template_id":"","footnotes":""},"class_list":["post-2013","page","type-page","status-publish","hentry"],"yoast_head":"\nAML politika - Finportal Corporate Center<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"AML politika - Finportal Corporate Center\" \/>\n<meta property=\"og:description\" content=\"Politika AML\/CFT\u2013 spolo\u010dnosti Finportal, a.s. 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