Sanctions Screening

Sanctions screening — обязательная проверка каждого customer против международных списков.

Lists

OFAC (US): SDN List, sectoral sanctions. UN Security Council: consolidated list. EU: financial sanctions. UK: OFSI list. Country-specific: FATF, national lists. Together thousands of persons, entities, vessels. Daily updates.

Matching

Name matching: fuzzy для transliterations, aliases. Date of birth. Country of residence. Multiple factors reduce false positives. Score-based: high match = investigation. Common tools: World-Check, Dow Jones, LexisNexis, ComplyAdvantage.

Process

Screening at onboarding: obвязательно. Ongoing: periodic re-screening (daily updates, monthly full). Transaction screening: sender/receiver in payment. PEPs: politically exposed persons — не sanctions, но high-risk. Adverse media: news screening.

Response

Positive match: freeze account, immediate escalation. Reporting к FIU и sanctions authorities within days. No processing блокированных transactions. Investigation documented. Not tip-off customer. Regular audits screening effectiveness.