Anti-Money Laundering aur Terrorist Financing Policy

1. Taaruf aur Hamara Azm

Abaq Al-Hayat money laundering aur terrorist financing ke khilaf mukammal azm rakhta hai, aur company formation aur foreign investment ko facilitate karne ke apne karobari kaam ki fitrat ke mutabiq androni policies aur procedures lagu karta hai, jo hamare customers aur Saudi financial system ki integrity ki hifazat mein madad karte hain.

2. Qanooni Bunyad

Yeh policy Saudi Anti-Money Laundering Law (Royal Decree No. M/20 aur baad mein ki gayi amendments ke saath) aur us ke Implementing Regulations par mabni hai, aur mutaalliqah idaron ki nigrani mein hai, jin mein General Directorate of Financial Investigation bhi shamil hai.

3. Is Policy ka Daira-e-Itlaq

Yeh policy company formation, bank accounts kholne mein sahulat, aur financial aur investment consulting se mutaalliq hamari tamam services par lagu hoti hai, aur hamare tamam customers par un ki nationality ya investment ke size se bala-tar hai.

4. Customers ke Due Diligence Procedures (KYC)

Hamari services faraham karne se pehle hum aise verification procedures lagu karte hain jin mein shamil hain:

5. High-Risk Cases ke liye Enhanced Due Diligence

Hum zyada risk wali surat-e-haal mein enhanced verification procedures lagu karte hain, jaise politically exposed persons (PEPs), aise mumalik ke customers jinhein international standards ke mutabiq high-risk samjha jata hai, ya ghair mamooli structure wali transactions.

6. Muamlaat ki Musalsal Nigrani

Hum apne customers se mutaalliq activities aur transactions ki musalsal nigrani karte hain taake yeh yaqini banaya ja sake ke woh hamare paas mojood customer profile ke mutabiq hain aur kisi bhi ghair mamooli pattern ki nishandahi ki ja sake jo mazeed jaize ka taqaza kar sakta ho.

7. Mashkook Muamlaat ki Report

Agar humein shubha ho ya munasib wajahen hon ke koi funds money laundering ya terrorist financing se mutaalliq hain, to hum qanoon ke mutabiq foran aur seedha General Directorate of Financial Investigation ko report karne ke paband hain, baghair mutaalliq customer ko ittala diye (is qisam ke regulatory framework mein aam tor par lagu "Tipping-off" ki mamaniat ke usool ke mutabiq).

8. Records Mehfooz Rakhna

Hum customers ki shanakht ke records aur transactions ki tafseelat ko karobari talluq ke khatam hone ya transaction ke mukammal hone ki tareekh se kam az kam das saal tak mehfooz rakhte hain, qanoon ke mutabiq.

9. Employees ki Training aur Compliance Officer

Hum is policy ke nafaz ki nigrani ke liye ek compliance officer muqarrar karte hain aur apne employees ko mashkook transactions ki alamat aur follow kiye jane wale procedures ko pehchanne ke liye baqaidgi se training dete hain. Compliance officer ke rabtay ki tafseel:.

10. Qanooni Sazayen

Saudi Anti-Money Laundering Law money laundering ke jurm ke murtakib afrad par sakht sazayen lagu karta hai, jin mein qaid aur maali jurmane shamil hain. Criminal liability legal entity (company) aur us ki numaindagi karne walon tak bhi pahunch sakti hai agar sabit ho ke amal us ke naam par kiya gaya tha. Yeh section sirf maloomati maqsad ke liye hai aur aap ke qanooni mashir se mukammal qanooni matn ke jaize ki jagah nahi leta.

11. Is Policy mein Tabdeeliyan

Hum qanoon ya us ke Implementing Regulations mein kisi bhi tabdeeli ke mutabiq is policy ko update kar sakte hain. Har update is safhe par aakhri update ki tareekh ke saath shaya kiya jayega.

12. Hum se Rabta

Is policy ke bare mein kisi bhi sawal ke liye hum se is zariye rabta karein:

• Email: info@en.abqalhayat.com
• Pata: Riyadh - King Fahd Road South - Al Jafal Commercial Center - 3rd Floor - Office 21