원문에서 자동 번역됨 · 원문 읽기 (English)
규제 환경에서 KYB를 다루는 분들, 특히 핀테크 플랫폼이나 브로커리지에서 자체적으로 규제 대상인 비미국 법인(예: EU 승인 투자 회사 또는 영국 결제 기관)을 온보딩할 때, 실소유권에 대한 실사 심층도에 대한 일반적인 합의는 무엇입니까? 표준 기업 문서 및 제재 확인과 함께 해당 법인의 본국 규제 기관의 재직 증명서 및 우수 기업 증명서만으로 충분한가요, 아니면 기업들이 더 깊이 들어가서 해당 법인이 상장되었거나 규제 대상이더라도 모든 UBO를 식별하려고 노력하고 있나요?
Interesting point. For regulated non-US entities, I've seen varying approaches. Some platforms do a deep dive into beneficial ownership, similar to an unregulated entity, while others rely more on the entity's own regulatory oversight and good standing certificates. It often depends on the risk assessment framework of the onboarding institution.
That's a good question and often depends on your internal risk framework and the specific regulations you're subject to. For regulated non-US entities, we typically start with public registry checks and their regulatory license status, then follow up with incumbency certificates and good standing letters. However, we also conduct a more in-depth UBO check beyond a certain ownership threshold, particularly if the entity is from a higher-risk jurisdiction.
The level of detail for beneficial ownership on regulated non-US entities often depends on the specific regulatory framework you're operating under, as well as the risk assessment of the entity itself. A simple certificate might not be enough for a high-risk jurisdiction.
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