natgillin/translations-raw huggingface dataset:
‘gambling services’ means a service which involves wagering a stake with monetary value in games of chance, including those with an element of skill such as lotteries, casino games, poker games and betting transactions that are provided at a physical location, or by any means at a distance, by electronic means or any other technology for facilitating communication, and at the individual request of a recipient of services;
„storitve iger na srečo“ pomeni storitev, pri kateri gre za denarno vplačilo pri igrah na srečo, vključno s tistimi, za katere so potrebne določene spretnosti, kot so loterije, igralniške igre, igre pokra in stavne transakcije, ter ki se opravlja na fizični lokaciji ali na kakršen koli način na daljavo z elektronskimi sredstvi ali katero koli drugo tehnologijo za lažjo komunikacijo in na individualno zahtevo prejemnika storitev;
‘group’ means a group of undertakings which consists of a parent undertaking, its subsidiaries, and the entities in which the parent undertaking or its subsidiaries hold a participation, as well as undertakings linked to each other by a relationship within the meaning of Article 22 of Directive 2013/34/EU;
„skupina“ pomeni skupino podjetij, ki jo sestavljajo matično podjetje, njegove podružnice in subjekti, v katerih so matično podjetje ali njegove podružnice udeležene, ter podjetja, ki so medsebojno povezana prek odnosa v smislu člena 22 Direktive 2013/34/EU;
‘electronic money’ means electronic money as defined in point (2) of Article 2 of Directive 2009/110/EC;
„elektronski denar“ pomeni elektronski denar, kot je opredeljen v točki 2 člena 2 Direktive 2009/110/ES;
‘shell bank’ means a credit institution or financial institution, or an institution that carries out activities equivalent to those carried out by credit institutions and financial institutions, incorporated in a jurisdiction in which it has no physical presence, involving meaningful mind and management, and which is unaffiliated with a regulated financial group.
„navidezna banka“ pomeni kreditno institucijo ali finančno institucijo ali institucijo, ki izvaja dejavnosti enakovredne tistim, ki jih izvajajo kreditne institucije ali finančne institucije, ustanovljeno v okviru jurisdikcije, v kateri ni fizično prisotna, tako da se ne moreta zagotoviti resnično vodstvo in uprava, ter ni povezana z regulirano finančno skupino.
Member States shall, in accordance with the risk-based approach, ensure that the scope of this Directive is extended in whole or in part to professions and to categories of undertakings, other than the obliged entities referred to in Article 2(1), which engage in activities which are particularly likely to be used for the purposes of money laundering or terrorist financing.
Države članice v skladu s pristopom, ki temelji na tveganju, zagotovijo, da področje uporabe te direktive v celoti ali delno zajema poklice in kategorije podjetij, ki niso pooblaščeni subjekti iz člena 2(1), opravljajo pa dejavnosti, ki se zelo verjetno uporabljajo za pranje denarja ali financiranje terorizma.
Where a Member State extends the scope of this Directive to professions or to categories of undertaking other than those referred to in Article 2(1), it shall inform the Commission thereof.
Če država članica razširi področje uporabe te direktive na poklice ali kategorije podjetij, ki niso navedeni v členu 2(1), o tem obvesti Komisijo.
Member States may adopt or retain in force stricter provisions in the field covered by this Directive to prevent money laundering and terrorist financing, within the limits of Union law.
Države članice lahko na področju, ki ga ureja ta direktiva, za preprečevanje pranja denarja in financiranja terorizma ob upoštevanju omejitev prava Unije sprejmejo ali v veljavi obdržijo strožje določbe.
The Commission shall conduct an assessment of the risks of money laundering and terrorist financing affecting the internal market and relating to cross-border activities.
Komisija izvede oceno tveganj pranja denarja in financiranja terorizma, ki vplivajo na notranji trg in so povezana s čezmejnimi dejavnostmi.
To that end, the Commission shall, by 26 June 2017, draw up a report identifying, analysing and evaluating those risks at Union level.
Komisija v ta namen do 26. junija 2017 pripravi poročilo, v katerem opredeli, analizira in oceni navedena tveganja na ravni Unije.
Thereafter, the Commission shall update its report every two years, or more frequently if appropriate.
Po tem Komisija svoje poročilo posodobi vsaki dve leti, po potrebi pa tudi pogosteje.
The report referred to in paragraph 1 shall cover at least the following:
Poročilo iz odstavka 1 zajema vsaj:
the areas of the internal market that are at greatest risk;
področja notranjega trga, na katerih obstaja največje tveganje;
the risks associated with each relevant sector;
tveganja, povezana z vsakim zadevnim sektorjem;
the most widespread means used by criminals by which to launder illicit proceeds.
najbolj razširjene metode storilcev kaznivih dejanj za pranje nezakonito pridobljenih sredstev.
The Commission shall make the report referred to in paragraph 1 available to the Member States and obliged entities in order to assist them to identify, understand, manage and mitigate the risk of money laundering and terrorist financing, and to allow other stakeholders, including national legislators, the European Parliament, the ESAs, and representatives from FIUs to better understand the risks.
Komisija poročilo iz odstavka 1 da na voljo državam članicam in pooblaščenim subjektom za pomoč pri prepoznavanju, razumevanju, obvladovanju in blažitvi tveganja pranja denarja in financiranja terorizma ter z namenom, da bi drugi deležniki, vključno z nacionalnimi zakonodajalci, Evropskim parlamentom, evropskimi nadzornimi organi ter predstavniki FIU, bolje razumeli tveganja.
The Commission shall make recommendations to Member States on the measures suitable for addressing the identified risks.
Komisija za države članice pripravi priporočila o ukrepih, primernih za obravnavo prepoznanih tveganj.
In the event that Member States decide not to apply any of the recommendations in their national AML/CFT regimes, they shall notify the Commission thereof and provide a justification for such a decision.
V primeru, da se države članice odločijo, da v svojih nacionalnih ureditvah AML/CFT ne uporabijo nobenega od priporočil, o tem uradno obvestijo Komisijo in takšno odločitev utemeljijo.
By 26 December 2016, the ESAs, through the Joint Committee, shall issue an opinion on the risks of money laundering and terrorist financing affecting the Union's financial sector (the ‘joint opinion’).
5.
Thereafter, the ESAs, through the Joint Committee, shall issue an opinion every two years.
Evropski nadzorni organi preko skupnega odbora do 26. decembra 2016 izdajo mnenje o tveganjih pranja denarja in financiranja terorizma, ki vplivajo na finančni sektor Unije (v nadaljnjem besedilu: skupno mnenje).
In conducting the assessment referred to in paragraph 1, the Commission shall organise the work at Union level, shall take into account the joint opinions referred to in paragraph 5 and shall involve the Member States' experts in the area of AML/CFT, representatives from FIUs and other Union level bodies where appropriate.
Po tem evropski nadzorni organi preko skupnega odbora mnenje izdajo vsaki dve leti.
The Commission shall make the joint opinions available to the Member States and obliged entities in order to assist them to identify, manage and mitigate the risk of money laundering and terrorist financing.
Komisija pri izvedbi ocene iz odstavka 1 organizira delo na ravni Unije, upošteva skupna mnenja iz odstavka 5 ter vključi strokovnjake s področja AML/CFT, predstavnike FIU in druge organe na ravni Unije, kadar je to primerno.
Every two years, or more frequently if appropriate, the Commission shall submit a report to the European Parliament and to the Council on the findings resulting from the regular risk assessments and the action taken based on those findings.
Komisija skupna mnenja da na voljo državam članicam in pooblaščenim subjektom za pomoč pri prepoznavi, obvladovanju in blažitvi tveganja pranja denarja in financiranja terorizma.
Article 7
Komisija vsaki dve leti, po potrebi pa tudi pogosteje, Evropskemu parlamentu in Svetu predloži poročilo o ugotovitvah, ki izhajajo iz rednih ocen tveganj in ukrepov, sprejetih na podlagi teh ugotovitev.
Each Member State shall take appropriate steps to identify, assess, understand and mitigate the risks of money laundering and terrorist financing affecting it, as well as any data protection concerns in that regard.
Člen 7
It shall keep that risk assessment up to date.
Vsaka država članica sprejme ustrezne ukrepe za prepoznavo, oceno, razumevanje in blažitev tveganj pranja denarja in financiranja terorizma, ki jim je izpostavljena, pa tudi vseh zadevnih pomislekov glede varstva podatkov.
Each Member State shall designate an authority or establish a mechanism by which to coordinate the national response to the risks referred to in paragraph 1.
To oceno tveganja redno posodablja.
The identity of that authority or the description of the mechanism shall be notified to the Commission, the ESAs, and other Member States.
Vsaka država članica določi organ oziroma vzpostavi mehanizem za usklajevanje nacionalnega odziva na tveganja iz odstavka 1.
In carrying out the risk assessments referred to in paragraph 1 of this Article, Member States shall make use of the findings of the report referred to in Article 6(1).
Komisijo, evropske nadzorne organe in druge države članice se uradno obvesti o identiteti tega organa oziroma opisu mehanizma.
As regards the risk assessment referred to in paragraph 1, each Member State shall:
Države članice pri izvajanju ocen tveganj iz odstavka 1 tega člena uporabijo ugotovitve iz poročila iz člena 6(1).
use it to improve its AML/CFT regime, in particular by identifying any areas where obliged entities are to apply enhanced measures and, where appropriate, specifying the measures to be taken;
Kar zadeva oceno tveganja iz odstavka 1, vsaka država članica:
identify, where appropriate, sectors or areas of lower or greater risk of money laundering and terrorist financing;
oceno uporabi za izboljšanje svoje ureditve AML/CFT, zlasti tako, da opredeli vsa področja, na katerih morajo pooblaščeni subjekti uporabljati okrepljene ukrepe, in po potrebi določi ukrepe, ki jih je treba sprejeti;
use it to assist it in the allocation and prioritisation of resources to combat money laundering and terrorist financing;
kadar je primerno, opredeli sektorje ali področja, na katerih obstaja manjše ali večje tveganje pranja denarja in financiranja terorizma;
use it to ensure that appropriate rules are drawn up for each sector or area, in accordance with the risks of money laundering and terrorist financing;
oceno uporabi za pomoč pri razporeditvi in prednostni razvrstitvi sredstev za boj proti pranju denarja in financiranju terorizma;
make appropriate information available promptly to obliged entities to facilitate the carrying out of their own money laundering and terrorist financing risk assessments.
oceno uporabi za zagotovitev, da se za vsak sektor ali področje določijo ustrezna pravila v skladu s tveganji pranja denarja in financiranja terorizma;
Member States shall make the results of their risk assessments available to the Commission, the ESAs and the other Member States.
pooblaščenim subjektom nemudoma da na voljo ustrezne informacije za lažjo izvedbo njihovih ocen tveganj pranja denarja in financiranja terorizma.
Article 8
Države članice dajo rezultate svojih ocen tveganj na voljo Komisiji, evropskim nadzornim organom in drugim državam članicam.
Member States shall ensure that obliged entities take appropriate steps to identify and assess the risks of money laundering and terrorist financing, taking into account risk factors including those relating to their customers, countries or geographic areas, products, services, transactions or delivery channels.
Člen 8
Those steps shall be proportionate to the nature and size of the obliged entities.
Države članice zagotovijo, da pooblaščeni subjekti sprejmejo ustrezne ukrepe za prepoznavo in oceno tveganj pranja denarja in financiranja terorizma ob upoštevanju dejavnikov tveganja, vključno s tistimi, ki so povezani z njihovimi strankami, državami ali geografskimi območji ter proizvodi, storitvami, transakcijami ali distribucijskimi potmi.
The risk assessments referred to in paragraph 1 shall be documented, kept up-to-date and made available to the relevant competent authorities and self-regulatory bodies concerned.
Ti ukrepi so sorazmerni z naravo in velikostjo pooblaščenih subjektov.
Competent authorities may decide that individual documented risk assessments are not required where the specific risks inherent in the sector are clear and understood.
Ocene tveganj iz odstavka 1 se dokumentirajo, redno posodabljajo ter dajo na voljo ustreznim pristojnim organom in zadevnim samoregulativnim organom.
Member States shall ensure that obliged entities have in place policies, controls and procedures to mitigate and manage effectively the risks of money laundering and terrorist financing identified at the level of the Union, the Member State and the obliged entity.
Pristojni organi se lahko odločijo, da posamezne dokumentirane ocene tveganj niso potrebne, kadar so specifična tveganja, ki so neločljivo povezana s sektorjem, jasna in razumljena.
Those policies, controls and procedures shall be proportionate to the nature and size of the obliged entities.
Države članice zagotovijo, da imajo pooblaščeni subjekti vzpostavljene politike, kontrole in postopke za učinkovito blažitev in obvladovanje ocen tveganj pranja denarja in financiranja terorizma, prepoznanih na ravni Unije, države članice in pooblaščenega subjekta.
The policies, controls and procedures referred to in paragraph 3 shall include:
Te politike, kontrole in postopki so sorazmerni z naravo in velikostjo pooblaščenih subjektov.
the development of internal policies, controls and procedures, including model risk management practices, customer due diligence, reporting, record-keeping, internal control, compliance management including, where appropriate with regard to the size and nature of the business, the appointment of a compliance officer at management level, and employee screening;
Politike, kontrole in postopki iz odstavka 3 vključujejo:
where appropriate with regard to the size and nature of the business, an independent audit function to test the internal policies, controls and procedures referred to in point (a).
razvoj notranjih politik, kontrol in postopkov, vključno z referenčnimi praksami obvladovanja tveganj, skrbnim preverjanjem strank, poročanjem, vodenjem evidenc, notranjim nadzorom, zagotavljanjem skladnosti s predpisi, vključno z imenovanjem uradne osebe za zagotavljanje skladnosti s predpisi na vodstveni ravni, kadar je to primerno glede na obseg in naravo poslovanja, in varnostnim preverjanjem zaposlenih;
Member States shall require obliged entities to obtain approval from their senior management for the policies, controls and procedures that they put in place and to monitor and enhance the measures taken, where appropriate.
neodvisno revizijsko funkcijo za preskušanje notranjih politik, kontrol in postopkov iz točke (a), kadar je to primerno glede na obseg in naravo poslovanja.
SECTION 3
Države članice od pooblaščenih subjektov zahtevajo, da pridobijo odobritev njihovega višjega vodstva za politike, kontrole in postopke, ki jih uvedejo, ter da spremljajo in po potrebi okrepijo sprejete ukrepe.
Third-country policy
ODDELEK 3
Article 9
Politika do tretjih držav
Third-country jurisdictions which have strategic deficiencies in their national AML/CFT regimes that pose significant threats to the financial system of the Union (‘high-risk third countries’) shall be identified in order to protect the proper functioning of the internal market.
Člen 9
The Commission shall be empowered to adopt delegated acts in accordance with Article 64 in order to identify high-risk third countries, taking into account strategic deficiencies, in particular in relation to:
Zaradi zaščite pravilnega delovanja notranjega trga se opredelijo jurisdikcije tretjih držav, ki imajo v svojih nacionalnih ureditvah AML/CFT strateške pomanjkljivosti, ki bistveno ogrožajo finančni sistem Unije (v nadaljnjem besedilu: tretje države z visokim tveganjem).
the legal and institutional AML/CFT framework of the third country, in particular:
Na Komisijo se prenese pooblastilo za sprejemanje delegiranih aktov v skladu s členom 64 za opredelitev tretjih držav z visokim tveganjem, pri čemer se upoštevajo strateške pomanjkljivosti, ki so povezane zlasti s:
criminalisation of money laundering and terrorist financing;
pravnim in institucionalnim okvirom AML/CFT tretje države, še posebej:
measures relating to customer due diligence;
inkriminacijo pranja denarja in financiranja terorizma;
requirements relating to record-keeping; and
ukrepi v zvezi s skrbnim preverjanjem strank;
requirements to report suspicious transactions;
zahtevami v zvezi z vodenjem evidenc ter
the powers and procedures of the third country's competent authorities for the purposes of combating money laundering and terrorist financing;
zahtevami za poročanje o sumljivih transakcijah;
the effectiveness of the AML/CFT system in addressing money laundering or terrorist financing risks of the third country.
pooblastili in postopki pristojnih organov tretje države za boj proti pranju denarja in financiranju terorizma;
The delegated acts referred to in paragraph 2 shall be adopted within one month after the identification of the strategic deficiencies referred to in that paragraph.
učinkovitostjo sistema AML/CFT pri obravnavi tveganj pranja denarja ali financiranja terorizma v tretji državi.
The Commission shall take into account, as appropriate, when drawing up the delegated acts referred to in paragraph 2, relevant evaluations, assessments or reports drawn up by international organisations and standard setters with competence in the field of preventing money laundering and combating terrorist financing, in relation to the risks posed by individual third countries.
Delegirani akti iz odstavka 2 se sprejmejo v enem mesecu po opredelitvi strateških pomanjkljivosti iz navedenega odstavka.
CHAPTER II
Komisija pri pripravi delegiranih aktov it odstavka 2 po potrebi upošteva ustrezna vrednotenja, ocene ali poročila, ki jih pripravijo mednarodne organizacije in organi za določanje standardov s pristojnostmi na področju preprečevanja pranja denarja in boja proti financiranju terorizma v povezavi s tveganji, ki jih predstavljajo posamezne tretje države.
CUSTOMER DUE DILIGENCE
POGLAVJE II
General provisions
SKRBNO PREVERJANJE STRANK
Article 10
Splošne določbe
Member States shall prohibit their credit institutions and financial institutions from keeping anonymous accounts or anonymous passbooks.
Člen 10
Member States shall, in any event, require that the owners and beneficiaries of existing anonymous accounts or anonymous passbooks be subject to customer due diligence measures as soon as possible and in any event before such accounts or passbooks are used in any way.
Države članice svojim kreditnim institucijam in finančnim institucijam prepovejo vodenje anonimnih računov ali anonimnih bančnih hranilnih knjižic.
Member States shall take measures to prevent misuse of bearer shares and bearer share warrants.
Države članice v vsakem primeru zahtevajo, da za imetnike in upravičence obstoječih anonimnih bančnih računov ali anonimnih bančnih hranilnih knjižic čim prej, najpozneje pa pred kakršno koli uporabo takšnih računov ali takšnih hranilnih knjižic, veljajo ukrepi skrbnega preverjanja strank.
Article 11
Države članice sprejmejo ukrepe za preprečevanje zlorabe prinosniških delnic in na prinositelja izdanih potrdil o lastniškem upravičenju do delnic.
Member States shall ensure that obliged entities apply customer due diligence measures in the following circumstances:
Člen 11
when establishing a business relationship;
Države članice zagotovijo, da pooblaščeni subjekti uporabljajo ukrepe skrbnega preverjanja strank v naslednjih okoliščinah:
when carrying out an occasional transaction that:
ob vzpostavitvi poslovnega odnosa;
amounts to EUR 15000 or more, whether that transaction is carried out in a single operation or in several operations which appear to be linked; or
pri izvajanju občasne transakcije, ki:
constitutes a transfer of funds, as defined in point (9) of Article 3 of Regulation (EU) 2015/847 of the European Parliament and of the Council [30], exceeding EUR 1000;
znaša 15000 EUR ali več, bodisi da gre za transakcijo, izvedeno z enim dejanjem ali z več dejanji, za katere kaže, da so povezana, ali
in the case of persons trading in goods, when carrying out occasional transactions in cash amounting to EUR 10000 or more, whether the transaction is carried out in a single operation or in several operations which appear to be linked;
predstavlja prenos sredstev, kot je opredeljeno v točki (9) člena 3 Uredbe (EU) 2015/847 Evropskega parlamenta in Sveta [30], ki presega 1000 EUR;
for providers of gambling services, upon the collection of winnings, the wagering of a stake, or both, when carrying out transactions amounting to EUR 2000 or more, whether the transaction is carried out in a single operation or in several operations which appear to be linked;
v primeru oseb, ki trgujejo z blagom, kadar izvajajo občasne gotovinske transakcije, ki znašajo 10000 EUR ali več, bodisi da gre za transakcijo, izvedeno z enim dejanjem ali z več dejanji, za katere kaže, da so povezana;
when there is a suspicion of money laundering or terrorist financing, regardless of any derogation, exemption or threshold;
kar zadeva ponudnike storitev iger na srečo, ob izplačilu dobičkov, ob vplačilu stav ali obojem, kadar izvajajo transakcije, ki znašajo 2000 EUR ali več, bodisi da gre za transakcijo, izvedeno z enim dejanjem ali z več dejanji, za katere kaže da so povezana;
when there are doubts about the veracity or adequacy of previously obtained customer identification data.
kadar obstaja sum pranja denarja ali financiranja terorizma, ne glede na kakršno koli odstopanje, izvzetje ali mejno vrednost;
Article 12
kadar obstajajo dvomi v verodostojnost ali ustreznost predhodno pridobljenih podatkov o identifikaciji stranke.
By way of derogation from points (a), (b) and (c) of the first subparagraph of Article 13(1) and Article 14, and based on an appropriate risk assessment which demonstrates a low risk, a Member State may allow obliged entities not to apply certain customer due diligence measures with respect to electronic money, where all of the following risk-mitigating conditions are met:
Člen 12
the payment instrument is not reloadable, or has a maximum monthly payment transactions limit of EUR 250 which can be used only in that Member State;
Država članica lahko z odstopanjem od točk (a), (b) in (c) prvega pododstavka člena 13(1) ter člena 14 ter na podlagi ustrezne ocene tveganja, ki dokazuje nizko tveganje, pooblaščenim subjektom dovoli, da jim ni treba uporabljati določenih ukrepov skrbnega preverjanja strank kar zadeva elektronski denar, kadar so izpolnjeni vsi naslednji pogoji za blažitev tveganja:
the maximum amount stored electronically does not exceed EUR 250;
plačilnega instrumenta ni mogoče ponovno napolniti ali pa ima mesečno omejitev plačilnih transakcij v vrednosti največ 250 EUR, ki se lahko porabi le v tej državi članici;
the payment instrument is used exclusively to purchase goods or services;
najvišji elektronsko shranjeni znesek ne presega 250 EUR;
the payment instrument cannot be funded with anonymous electronic money;
plačilni instrument se uporablja izključno za nakup blaga ali storitev;
the issuer carries out sufficient monitoring of the transactions or business relationship to enable the detection of unusual or suspicious transactions.
plačilnega instrumenta ni mogoče kriti z anonimnim elektronskim denarjem;
For the purposes of point (b) of the first subparagraph, a Member State may increase the maximum amount to EUR 500 for payment instruments that can be used only in that Member State.
izdajatelj zadostno spremlja transakcije ali poslovni odnos, da lahko odkrije nenavadne ali sumljive transakcije.