Company: BBD
Filing Date: 2025-03-31
Form Type: 20-F
Source: 0001292814-25-001244
Chunk: 183

Company: BANK BRADESCO
Filing Date: 2025-03-31
Form: 20-F
Item: Item 4
Chunk 183
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 analysis of the operation or atypical situation detected.

109 – Form 20-F 2024 | Bradesco
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Also in 2014, SUSEP established the Permanent Committee on Anti-money Laundering and Combating Terrorism Financing in the Insurance, Reinsurance, Capitalization and Private Pension Plan Markets (CPLD). The CPLD is a permanent governing body acting to prevent money laundering and curtail terrorism financing, both in connection with SUSEP and the insurance, reinsurance, capitalization and private pension plan markets.
 In March 2019, Law No. 13,810/19 was enacted, which deals with the enforcement of sanctions imposed by the resolutions of the United Nations Security Council (CSNU), regulated by BCB Resolution No. 44/20, having its procedures clarified by Normative Instruction No. 262/22.
 In January 2020, the Central Bank of Brazil issued Circular No. 3,978/20, as amended, on the terms specified below. This Circular revoked Circular No. 3,461/09, enhancing the policy, procedures and internal controls to be adopted to give greater efficiency to the procedures practiced in the prevention of money laundering and terrorist financing. Among the main guidelines introduced by Circular No. 3,978/20, we highlight:
 
·              Internal risk assessment: guidelines that the regulated institutions use as subsidy, when available,           
    evaluations carried out by public entities of the country concerning the risk of money laundering and terrorist financing;
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·                    Registration of operations: maintenance of records of all operations, products and services contracted,                  
      including withdrawals, deposits, contributions, payments, receipts and transfers of resources, including the operations carried out in  
    the context of the institution itself, containing information which enables the identification of the parties of each operation and origin
                        and destination of resources in cases of payment transactions, receipts and transfer of resources;                    
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·   Operations in kind: a guideline was included requiring the inclusion of the identity of the sender
          where operations involving resources in kind of individual value exceed R$2 thousand;       
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·                         Procedures to get to know clients: enhancement and inclusion of new procedures destined to get                     
    to know clients, in order to understand the identification, qualification and classification of the client and the client’s compatibility
      with the risk profile and nature of the business relationship, in addition to, if necessary, cross-checking information collected with 
     those available on databases of