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Quais são as vossas melhores práticas para recolher e verificar a documentação de Origem de Riqueza e Origem de Fundos, especialmente para PEPs ou indivíduos de elevado património líquido? Estou com dificuldades em equilibrar os requisitos regulamentares e o atrito com o cliente.
We try to frame it less as 'us not trusting them' and more as 'us protecting them and our firm from potential issues.' Education on regulatory requirements can sometimes help smooth things over.
It's tough. We usually go with a tiered approach, starting with the basics and only asking for more if the risk profile demands it. For PEPs, there's just no getting around the deep dive.
Honestly, client friction is part of the game for HNWIs and PEPs. They generally expect it, and if they push back too hard, that's often a red flag in itself. Focus on clear, upfront communication.
Have you explored using third-party verification services for some of the heavy lifting? It can sometimes streamline the process and add an extra layer of objectivity, though it's an added cost.
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