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Simply paste a few lines of code in your website or app, and integrate swift, bank-level identity verification system. Shufti Pro gives you all the tools to verify and onboard new users faster with real-time KYC for Zambia. We offer KYC for Zambia through passports as well. Online monetary transactions are associated with a high risk of cybersecurity threats. With the combination of six distinct ID Verification Services, we help make your digitization process frictionless and risk-free. Next-generation facial recognition — the real-time solution for remote authentication for businesses across Zambia.
Address Verification service to protect your business from false deliveries and invalid customer locations. Shufti Pro helps prevent chargebacks, frauds, and requests. Easy and frictionless customer onboarding through 2 factor-authentication, with accurate verification of end-users through their mobile phones. Verify your customers and their transactions in real-time with biometric consent; authenticate with Selfie Verification along with a Unique Message such as printed or handwritten document.
AML services for Zambian banks and businesses to identify high-risk clients. Improve client onboarding with faster PEP screening and real-time sanction list monitoring.
We work with all major industries. FATF promotes efficient measures for combating money laundering, terrorist funding and other threats to the integrity of the international financial system.
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Securities and Exchange Commission Zambia. Documents We Verify. Identity Card. View More. For Passport Verification, Shufti Pro:. Driving License. How Our Identity System Works. Document Verification.The know your customer or know your client KYC guidelines in financial services requires that professionals make an effort to verify the identity, suitability, and risks involved with maintaining a business relationship.
KYC processes are also employed by companies of all sizes for the purpose of ensuring their proposed customers, agents, consultants, or distributors are anti- bribery compliant, and are actually who they claim to be. Banks, insurers, export creditors and other financial institutions are increasingly demanding that customers provide detailed due diligence information.
Initially, these regulations were imposed only on the financial institutions but now the non-financial industry, fintech, virtual assets dealers, and even the non-profit organizations are liable to oblige. The objective of KYC guidelines is to prevent businesses from being used by criminal elements for money laundering.
Related procedures also enable businesses to better understand their customers and their financial dealings. This helps them manage their risks in a well-judged manner. Today, KYC principles apply to banks as well as different online businesses. They usually frame their KYC policies incorporating the following four key elements: [ citation needed ].
The stringent regulatory environment establishes KYC as a mandatory and crucial procedure for financial institutions as well as non-financial institutions. As it minimizes the risk of fraud, by identifying suspicious elements earlier on in the client-business relationship. This includes the identification of those people, assessing their associated risk levels and associated activities the customer's customer business is involved in.
KYCC is a derivative of the standard KYC process, that was necessitated from the growing risk of fraud originating from fraudulent individuals or companies, that might otherwise be hiding in second-tier business relationships. KYB is a set of practices to verify a business. It includes verification of registration credentials, location, the UBOs Ultimate Beneficial Owners of that business, etc. Also, the business is screened against blacklists and grey lists to check that it was involved in any sort of criminal activity such as money laundering, terrorist financing, corruption, etc.
KYB is significant in identifying fake business entities and shell companies. From Wikipedia, the free encyclopedia. Finance Markets. Government spending Final consumption expenditure Operations Redistribution.Growing use of mobile phones has opened up mobile money services, because mobile money services operate through cell phone services and the Internet.
Using mobile money you can withdraw and deposit cash, pay money to others, and keep money stored for later use. Improvements in mobile money channels worldwide have created product options among financial institutions and merchants alike. Zambia has begun to reach financially excluded families as cell networks expand, providing mobile money services.
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For a mobile phone user on Chilubi Island in Lake Bangweulu, mobile money is the easiest way to use financial services. In Zambia, a significant number of poor and low-income customers can now transfer funds, pay bills, and store value using mobile phones. While mobile money is expanding possibilities for the financially excluded and underserved to access financial services, it also raises important regulatory issues for policymakers. Regulators want to ensure these services are delivered responsibly.
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Mobile money services must be secure, safe, affordable, and easy to use. Regulators are there to help this happen.
Mobile money providers are expanding financial service options for the excluded and underserved. East Africa has provided good evidence of improved family incomes and economic expansion using mobile money, and Zambia is watching and learning from this.
These regulators work together by agreement to make the market safe and secure. Zambia has already enacted several regulations which cover DFS, particularly mobile money. These regulations are regularly updated whenever they can no longer accommodate the rapidly changing market demands.
For example, transaction limits for mobile money have been adjusted periodically, with the latest made in October adjusted from ZMW5, to ZMW15, to pin them to corresponding KYC requirements. The Financial Intelligence Centre FIC Act, has also facilitated introduction of tiered KYC and alternatives to government identity cards that have enhanced transactions among the rural population and other low-income groups.
The use of letters from civic leaders as a means for identification have opened access to financial services by the rural population who are more vulnerable in this regard. Although more work still needs to be done to update regulations due to the rapid evolution of mobile money services and DFS, Zambia has gone a long way in providing an enabling environment for the growth of mobile money.
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Board and PIC. What we do. Digital Financial Services. Informal Finance. Inclusive Insurance. Inclusive Enterprise Finance. Rural and Agricultural Finance. Women and Youth. News and Impact. Knowledge and Resources. Contact us.Df002 renault twingo
Search all content. Why is this important? Regulations are in place for mobile money and its customers, and both regulators and policymakers are actively working to deepen the market and create new opportunities to shift from cash to Digital Financial Services DFS 1especially mobile money. Regulator coordination will help improve appropriate guidance that covers all aspects of risk and protects you as consumers.Fenergo KYC is an out-of-the-box, rules-driven solution for all Know Your Customer policy requirements to support regulatory needs across multiple jurisdictions and business lines.
The Fenergo solution uses dynamic decision tree intelligence to determine the regulatory journey of the client including all the regulations, KYC questionnaires, classifications and risk assessments that need to be adhered to and performed. Furthermore, it also determines all of the client and counterparty data and documentation that is required to support the KYC and regulatory compliance obligations.
The solution is available as a standalone module or can be fully integrated with the Fenergo Client Lifecycle Management solution. Gain agility and maximise operational efficiency by centralising onboarding and client lifecycle management across multiple jurisdictions and lines of business to give a complete view of all your KYC data. Expedite client onboarding and ensure best-practice compliance with our rich regulatory rules engine and sophisticated workflow capabilities. Fenergos sophisticated rules engines automatically categorises your clients into Low, Medium or High risk to gain a clear view of the size of risk presented to your institution from a financial, regulatory and reputational perspective.
Fenergo Know Your Customer offers a risk-based approach to KYC compliance that efficiently focuses resources on higher risk clients and ensures lifecycle compliance with global and local KYC regulations. In the current financial landscape, an abundance of new regulation, as well as stricter enforcement of previously existing regulations, puts significant challenges in front of banks around compliance. Recent reports suggest that financial institutions are struggling to comply and keep up with existing AML and KYC regulations.
We wanted a solution that would support an efficient onboarding experience for all of our customers. Our main ambition is to streamline the end-to-end client lifecycle management process — from onboarding to regulatory compliance to lifecycle reviews — for all of our jurisdictions and to standardize processes and procedures across different divisions.
Fenergo will help us to achieve operational efficiencies and improve our customer experience, whilst maintaining the highest level of regulatory compliance across the globe. A core part of our business transformation program will involve creating an internal centralized KYC target operating model that will help us to simultaneously improve the client experience and reduce the cost impact of the regulatory KYC activities. Fenergo is the technology platform that will underpin this initiative.
We chose Fenergo for both their deep, out-of-the-box CLM functionality and their v8 technology that is a good fit with our own modernized technology landscape.Wows eu
I look forward to working with the Fenergo team and their wider client community to input into the continually evolving product and regulatory roadmaps. Request demo. To contact Fenergo, please complete the contact form below clearly specifying the nature of your query.
A member of our team will contact you as soon as possible. Improve Time to Revenue Expedite client onboarding and ensure best-practice compliance with our rich regulatory rules engine and sophisticated workflow capabilities. Automate Risk Fenergos sophisticated rules engines automatically categorises your clients into Low, Medium or High risk to gain a clear view of the size of risk presented to your institution from a financial, regulatory and reputational perspective.
Read more. Please complete the form below to continue your download. Keep up-to-date with Fenergo banking news and views.
Serves as the depository for international instruments that Zambia accedes to. The following bodies are collaborating partners in the combating of money laundering and related offences:. The PPMLA provides that any person that engages in anti-money laundering activities shall be guilty of an offence and shall be liable, upon conviction to a fine or imprisonment or to both. This provision would therefore be applicable to lawyers that engage in any anti money laundering activities.
The above mentioned anti money laundering statutes are applicable to lawyers in their personal capacity. Zambian laws are read together as one, so far as they are not inconsistent with each other. The provisions of local laws regarding Anti-Money Laundering are applicable to any person and this would in our opinion include any visiting lawyers.
A visiting lawyer that breaches any of the provisions of the Anti-Money Laundering laws would therefore be subject to the provisions of the laws breached. Membership of the LAZ is mandatory for all lawyers admitted to practice in Zambia. The disciplinary functions of LAZ are undertaken by the Disciplinary Committee, a body established under the provisions of the Legal Practitioners Act.
The Disciplinary Committee serves as a body ensuring compliance of lawyers with the provisions of the Legal Practitioners Act. These provisions relate to the conduct of lawyers in their practice as well the relations of a lawyer and their clients. Section 13 1 a of the PPMLA requires casinos or other regulated institutions to keep an identification record and a business transaction record for a period of 10 years after termination of such business transaction.
Client due diligence are normally conducted by lawyers at their own discretion. The approach therefore adopted by lawyers would also vary from firm to firm.
DNFBPs are not required to seek approval of senior management before establishing business relationships with PEPs or to verify their source of funds. There are no specific simplified due diligence measures for certain types of clients. However, kindlynote that a lawyer can at their own initiative and expense undertake a due diligence exercise of its clients.
This will usually be the case where the client is involved in a complex and big transaction. Section 14 of the PPMLA however provides that it shall not be unlawful for any person to make any disclosure in compliance with the Act. A lawyer can therefore use this provision to make a disclosure though they are not mandated to do so.
Currently, there are no guidelines for lawyers for determining which transactions would be covered by legal privilege. A lawyer can therefore report a suspicious transactions if required by the provisions of the law or in the unlikely event, where the client consents to the client lawyer reporting a suspicious transaction.
There are no specific provisions for indemnity for lawyers. Where a suspicious transaction report has been filed, a lawyer would be obliged not to proceed with providing the legal advice or the transaction and withdraw from acting on behalf of their client. It must also be pointed out that in the event that a lawyer withdraws from acting on behalf of their client, the LPA places an obligation on the lawyer to explain to the client the reasons for withdrawing from acting on behalf of the client.
The Act prohibits any officer from a Supervisory Authority from obstructing any investigation into anti money laundering.
In the event that an officer from a Supervisory Authority is found to have obstructed an investigation into anti money laundering, that officer shall be guilty of an offence and shall be liable on conviction to a fine of ZMW 18, or to imprisonment for a term not exceeding five years or to both. In addition to the foregoing, an institution that is regulated by a Supervisory Authority is legally prohibited from obstructing any investigations into money laundering that may be instituted by AMLIU.
Mr Mosho, a Lusaka lawyer, allegedly laundered a sum of more than K 1. He has pleaded not guilty and has been granted cash bail of K 50 million. His case had been adjourned until 30 November On 30 Novemberthe matter came up for continued trial, with the prosecution presenting its case and calling its witnesses. The matter was, however, adjourned at the instance of the prosecution and came up for continued trial on 24 April This matter is ongoing as a continued trial.
Appendix 1 of this paper sets out the implementation plan, which provides for review of its legislation, including the PPMLA.
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