PEP screening: политически значимые лица

PEP screening — identification политически значимых лиц с расширенной due diligence.

Определение

Foreign PEPs: senior positions в foreign governments, IGOs. Domestic PEPs: аналогично в собственной стране. International organization PEPs. Family members: spouse, parents, children, siblings. Close associates: business partners, legal representatives.

Categories

Heads of state, ministers, senior judges. Central bank governors, military commanders. Senior executives state-owned enterprises. Political party officials. Ambassadors, chargés d'affaires. Different risk levels: category 1 (highest) до 4.

Enhanced Due Diligence

Senior management approval для onboarding. Enhanced source of funds verification. Ongoing enhanced monitoring. Approval для transaction limits. Reasonable measures identify wealth sources. More frequent review cycles.

De-listing

Ex-PEPs: reduced risk после leaving position. Timeframe: 12–18 months typical. Domestic PEPs: sometimes lower risk profile. Risk-based approach vs blanket policies. Documented rationale. Regular review of decisions.