Άρθρο 15 – Απλουστευμένη δέουσα επιμέλεια ως προς τον πελάτη (άρθρα 15 και 16 της Οδηγίας 2015/849)

1. Τα υπόχρεα πρόσωπα εφαρμόζουν μέτρα απλουστευμένης δέουσας επιμέλειας ως προς τον πελάτη, αφού προηγουμένως συγκεντρώσουν επαρκείς πληροφορίες και βεβαιωθούν ότι μια επιχειρηματική σχέση ή συναλλαγή παρουσιάζει χαμηλότερο κίνδυνο νομιμοποίησης εσόδων από εγκληματικές δραστηριότητες ή χρηματοδότησης της τρομοκρατίας. Στις περιπτώσεις αυτές, τα υπόχρεα πρόσωπα εφαρμόζουν τα μέτρα δέουσας επιμέλειας των παρ. 1 και 4 του άρθρου 13, προσαρμόζοντας κατάλληλα το ποσοτικό όριο, τον χρόνο ή τον τρόπο εφαρμογής τους.
2. Τα υπόχρεα πρόσωπα, προκειμένου να εκτιμήσουν αν μια επιχειρηματική σχέση ή συναλλαγή παρουσιάζει χαμηλότερο κίνδυνο νομιμοποίησης εσόδων από εγκληματικές δραστηριότητες ή χρηματοδότησης της τρομοκρατίας, λαμβάνουν υπόψη τουλάχιστον τους παράγοντες δυνητικά χαμηλότερου κινδύνου του Παραρτήματος Ι, το οποίο αποτελεί αναπόσπαστο μέρος του παρόντος νόμου, οι οποίοι σχετίζονται με πελάτες, χώρες και γεωγραφικές περιοχές, καθώς και με συγκεκριμένα προϊόντα, υπηρεσίες, συναλλαγές ή διαύλους παροχής υπηρεσιών.
3. Οι εποπτικές αρχές του χρηματοπιστωτικού τομέα εξειδικεύουν περαιτέρω, με αποφάσεις τους, τους παράγοντες δυνητικά χαμηλότερου κινδύνου και τα μέτρα απλουστευμένης δέουσας επιμέλειας που εφαρμόζονται σε επιχειρηματικές σχέσεις ή συναλλαγές χαμηλότερου κινδύνου, λαμβάνοντας υπόψη τις σχετικές κατευθυντήριες οδηγίες των ΕΕΑ. Οι λοιπές αρμόδιες αρχές δύναται να εκδίδουν αντίστοιχου περιεχομένου αποφάσεις.

  • 9 Φεβρουαρίου 2018, 13:04 | Paysafe
    Το βλέπω Θετικά/Αρνητικά:  

    Dear Madam,
    Dear Sir,

    We welcome the opportunity to respond to the consultation with respect to the draft law transposing Directive 2015/849 and would like to make a brief presentation of our online payment methods as one of the best practices in electronic payments, specifically designed for the use on the internet, e.g. for e-commerce, entertainment, gaming and regulated gambling services in the EU. We support the Greek government’s efforts to introduce a comprehensive AML framework and invite the regulator to consequently implement the risk-based approach.

    paysafecard is a global market leader in online prepaid payment methods such as prepaid cards and online payment solutions. Based in Vienna, Austria, the company is internationally active and present in various countries around the world. paysafecard has been active in the Greek market since January 2006 and has successfully been able to adapt to all market and legal requirements.

    CDD exemption for low-value, low-risk products should be introduced
    Article 12 of the 4th Anti-Money Laundering Directive (4AMLD) provides for the possibility to allow obliged entities not to apply certain customer due diligence measures with respect to electronic money in the case of proven low risk. Certain risk-mitigating criteria must be met in order to qualify for such an exemption. We understand that the Greek law will not provide for such an exemption and outlines only a list of mitigating criteria for Simplified Due Dilligence in Annex I of Draft Law (transposing Annex II of Directive 2015/849 of EU). We generally believe that mandatory user identification for low-value, low-risk products for online payments, irrespective of the money laundering and terrorist financing risk related to these products undermines the risk-based approach and establishes disproportionate requirements for low-risk products. We therefore invite the Greek authorities to reconsider their position on traceable e-money products in the spirit of the risk-based approach and allow obliged entities not to apply certain CDD measures in case of proven low risk.

    Further to this, low-value prepaid products are distinctly favourable in terms of customer protection. As users can only spend the face value of a prepaid voucher, overspending is not possible. Consumers have the full cost control, other than e.g. with credit cards, where people might lose the overview of their total spending.

    The voucher – paysafecard
    The main product offered by our company is a non-reloadable online prepaid payment product issued under the brand name “paysafecard” in the format of a paper voucher up to a maximum face value of 100 Euro. It enables customers to make electronic payments to approximately 4000 webshops over the world that are contracted for the acceptance of the voucher. The voucher does neither allow for person to person money transfers, nor for redemptions in cash. In Greece however, customers are obliged to load the voucher into our e-wallet solution (my paysafecard, see below) before they can make payments.

    The wallet -my paysafecard
    “my paysafecard” is an e-wallet solution that can only be topped up through paysafecard vouchers. In order to open a my paysafecard account the customer needs to go through a registration and identification process. Access to and use of the my paysafecard account is only granted upon successful completion of the registration/identification process. The account can exclusively be used for online payments at authorised webshops that are contracted for the acceptance of the account (such as licensed gambling operators). The account does not enable account holders to make person to person money transfers, i.e. by sending funds to other holders of accounts.

    Application of SDD crucial for Financial sector
    After consultations with the Bank of Greece, since March 22nd, 2017, we have established a mandatory procedure through which all paysafecard vouchers are named and identified by adding the voucher pin codes to the mypaysafecard account of each customer, available only through the paysafecard website.

    The customer journey while on-boarding is crucial for the success of modern payment methods. Customers need to be able to try a product on the internet without going through a lengthy and inconvenient identification and verification process, which is why it is of major importance that obliged entities are allowed to apply Simplified Customer Due Diligence (SDD) measures, i.e. to adjust the timing of the verification of the customer’s identity respectively to adjust the quantity of information obtained from the customer as long as the risk is low and certain thresholds are not exceeded. Once the consumer wants to spend more money and therefore exceeds such a threshold, the identity will of course be verified in accordance with Article 15 of the present draft law.

    A lot of innovative FinTechs base their business model on prepaid and e-money because it’s simple, fast and secure way to pay small amounts online. As pointed out above, on-boarding new customers in an easy and frictionless environment is obviously crucial for FinTechs to grow. Therefore, AML and KYC requirements are of outstanding importance to the e-money and FinTech industry. Implementing even stricter requirements than other Member States is therefore a major obstacle for innovative companies. Innovative firms are very sensitive when it comes to regulation as they try to develop new solutions not only for one national market. A level-playing-field across Europe is crucial. Overly burdensome regulation has the potential to outbrake FinTech businesses. Since regulated e-money and prepaid products are traceable and leave a digital footprint on the internet, they are far more transparent than the use of cash and can also help the Greek authorities to collect tax revenues. If consumers are not able to transform cash into e-money through using these products, they might continue to use cash.

    Moreover, not only Greek consumers but also the Greek economy will benefit from a comprehensive and proportionate AML framework. Especially small and medium sized outlets profit from selling the product itself as well as from cross-selling effects, which come along with consumers going to the shop with the intention to buy a voucher. Moreover, such easy and safe spending methods can drive the Greek e-commerce sector which has again been fledgling after the introduction of capital controls in July 2015 and given the need to have economic growth and innovation. The Greek e-commerce development would be very important in helping Greek economic recovery and modernization and burdensome and disproportionate processes that do now allow for simplified due diligence as stated clearly in Article 12 of Directive 2015/849 (currently non-transposed in present draft law) would hinder this growth for no apparent reasons.

    If the application of proportionate SDD measures is not to be allowed, a lot of FinTechs will face competitive disadvantages and consumers will most likely not benefit from modern payment methods on the internet.

    Tight-knit monitoring systems
    As an authorized e-money institution, paysafecard is an obliged entity under the EU Anti Money-Laundering Directives (AMLD) and have tight-knit risk-mitigating measures in place, based on an extensive transaction monitoring, identification of user behaviour, traceability of transactions and adequate transaction limits. Suspicious activities can be detected and are reported to the relevant authorities, in line with our AML duties as an obliged entity. Due to the availability of detailed transaction records, including time stamps, merchant details and information about where and when the payment instrument was originally purchased, risks, such as a certain degree of anonymity, are mitigated in a very efficient way.

    As one of the world’s market leaders in online payment solutions, paysafecard is particularly focused on the continuous improvement of the quality of our products and customer service. This is to say that our company has invested in designing effective systems which guarantee safety and simplified registrations processes, including the exchange of the necessary Know Your Customer details and in full consistency with existing EU laws as well as the current and upcoming legislative requirements in Greece.

    In this respect, we would urge the Greek lawmakers to reconsider and add Article 12 of Directive 2015/849 in this present draft law.