natgillin/translations-raw huggingface dataset:
Member States shall ensure that the derogation provided for in paragraph 1 is not applicable in the case of redemption in cash or cash withdrawal of the monetary value of the electronic money where the amount redeemed exceeds EUR 100.
Za namene točke (b) prvega pododstavka lahko država članica zviša zgornjo mejo do 500 EUR za plačilne instrumente, ki se lahko uporabljajo samo v tej državi članici.
Article 13
Države članice zagotovijo, da se odstopanje iz odstavka 1 ne uporablja v primeru unovčenja gotovine ali dviga gotovine v denarni vrednosti elektronskega denarja, kadar unovčeni znesek presega 100 EUR.
Customer due diligence measures shall comprise:
Člen 13
identifying the customer and verifying the customer's identity on the basis of documents, data or information obtained from a reliable and independent source;
Skrbno preverjanje strank vključuje:
identifying the beneficial owner and taking reasonable measures to verify that person's identity so that the obliged entity is satisfied that it knows who the beneficial owner is, including, as regards legal persons, trusts, companies, foundations and similar legal arrangements, taking reasonable measures to understand the ownership and control structure of the customer;
identifikacijo stranke in preverjanje njene identitete na podlagi dokumentov, podatkov ali informacij, pridobljenih od zanesljivega in neodvisnega vira;
assessing and, as appropriate, obtaining information on the purpose and intended nature of the business relationship;
identifikacijo dejanskega lastnika in sprejetje razumnih ukrepov za preverjanje identitete te osebe, tako da pooblaščeni subjekt meni, da ve, kdo je dejanski lastnik, vključno s tem, da se za pravne osebe, sklade, družbe, fundacije in podobne pravne ureditve sprejmejo razumni ukrepi za poznavanje lastništva in nadzorne strukture stranke;
conducting ongoing monitoring of the business relationship including scrutiny of transactions undertaken throughout the course of that relationship to ensure that the transactions being conducted are consistent with the obliged entity's knowledge of the customer, the business and risk profile, including where necessary the source of funds and ensuring that the documents, data or information held are kept up-to-date.
oceno in po potrebi pridobivanje informacij o namenu in predvideni naravi poslovnega odnosa;
When performing the measures referred to in points (a) and (b) of the first subparagraph, obliged entities shall also verify that any person purporting to act on behalf of the customer is so authorised and identify and verify the identity of that person.
stalno spremljanje poslovnega odnosa, vključno s pregledovanjem transakcij, ki se izvajajo v času odnosa, s čimer se zagotovi, da so opravljene transakcije v skladu s poznavanjem stranke s strani pooblaščenega subjekta, poslovnega profila in profila tveganj, po potrebi tudi s poznavanjem izvora sredstev, ter zagotavljanje, da se listine, podatki ali informacije redno posodabljajo.
Member States shall ensure that obliged entities apply each of the customer due diligence requirements laid down in paragraph 1.
Pooblaščeni subjekti pri izvajanju ukrepov iz točk (a) in (b) prvega pododstavka, preverijo, da je vsaka oseba, ki trdi, da deluje v imenu stranke, za to pooblaščena, ter to osebo identificirajo in preverijo njeno identiteto.
However, obliged entities may determine the extent of such measures on a risk-sensitive basis.
Države članice zagotovijo, da pooblaščeni subjekti uporabljajo vse zahteve skrbnega preverjanja strank, določene v odstavku 1.
Member States shall require that obliged entities take into account at least the variables set out in Annex I when assessing the risks of money laundering and terrorist financing.
Vendar pooblaščeni subjekti lahko obseg takšnih ukrepov določijo z upoštevanjem tveganja.
Member States shall ensure that obliged entities are able to demonstrate to competent authorities or self-regulatory bodies that the measures are appropriate in view of the risks of money laundering and terrorist financing that have been identified.
Države članice zahtevajo, da pooblaščeni subjekti pri oceni tveganj pranja denarja in financiranja terorizma upoštevajo vsaj spremenljivke iz Priloge I.
For life or other investment-related insurance business, Member States shall ensure that, in addition to the customer due diligence measures required for the customer and the beneficial owner, credit institutions and financial institutions conduct the following customer due diligence measures on the beneficiaries of life insurance and other investment-related insurance policies, as soon as the beneficiaries are identified or designated:
Države članice zagotovijo, da lahko pooblaščeni subjekti pristojnim ali samoregulativnim organom prikažejo, da so ukrepi ustrezni glede na tveganja pranja denarja in financiranja terorizma, ki so bila prepoznana.
in the case of beneficiaries that are identified as specifically named persons or legal arrangements, taking the name of the person;
Kar zadeva posle življenjskega zavarovanja ali druge z naložbami povezane zavarovalne posle, države članice zagotovijo, da kreditne institucije in finančne institucije poleg ukrepov skrbnega preverjanja strank, ki se zahtevajo za stranko in dejanskega lastnika, izvajajo naslednje ukrepe skrbnega preverjanja strank v zvezi z upravičenci iz življenjskega zavarovanja in drugih z naložbami povezanih zavarovalnih polic, takoj ko so upravičenci identificirani ali določeni:
in the case of beneficiaries that are designated by characteristics or by class or by other means, obtaining sufficient information concerning those beneficiaries to satisfy the credit institutions or financial institution that it will be able to establish the identity of the beneficiary at the time of the payout.
v primeru upravičencev, ki so identificirani kot izrecno imenovane osebe ali pravne ureditve, pridobitev imena osebe;
With regard to points (a) and (b) of the first subparagraph, the verification of the identity of the beneficiaries shall take place at the time of the payout.
v primeru upravičencev, ki so določeni po značilnostih ali razredu ali na druge načine, pridobitev zadostnih informacij o teh upravičencih, tako da kreditna institucija ali finančna institucija meni, da bo lahko v času izplačila lahko določila identiteto upravičenca.
In the case of assignment, in whole or in part, of the life or other investment-related insurance to a third party, credit institutions and financial institutions aware of the assignment shall identify the beneficial owner at the time of the assignment to the natural or legal person or legal arrangement receiving for its own benefit the value of the policy assigned.
Glede točk (a) in (b) prvega pododstavka se identiteta upravičencev preveri v času izplačila.
In the case of beneficiaries of trusts or of similar legal arrangements that are designated by particular characteristics or class, an obliged entity shall obtain sufficient information concerning the beneficiary to satisfy the obliged entity that it will be able to establish the identity of the beneficiary at the time of the payout or at the time of the exercise by the beneficiary of its vested rights.
V primeru popolne ali delne dodelitve življenjskega ali drugega z naložbami povezanega zavarovanja tretji osebi kreditne institucije in finančne institucije, seznanjene z dodelitvijo, identificirajo dejanskega lastnika v času dodelitve fizični ali pravni osebi ali pravni ureditvi, ki v svojo korist prejema vrednost dodeljene police.
Article 14
V primeru upravičencev iz skladov ali podobnih pravnih ureditev, ki so določeni po posebnih značilnostih ali razredu, pooblaščeni subjekt pridobi zadostne informacije o upravičencu, tako da pooblaščeni subjekt meni, da bo lahko določil identiteto upravičenca v času izplačila ali v času, ko upravičenec uveljavi pridobljene pravice.
Member States shall require that verification of the identity of the customer and the beneficial owner take place before the establishment of a business relationship or the carrying out of the transaction.
Člen 14
By way of derogation from paragraph 1, Member States may allow verification of the identity of the customer and the beneficial owner to be completed during the establishment of a business relationship if necessary so as not to interrupt the normal conduct of business and where there is little risk of money laundering or terrorist financing.
Države članice zahtevajo, da se preverjanje identitete stranke in dejanskega lastnika izvede pred vzpostavitvijo poslovnega odnosa ali izvedbo transakcije.
In such situations, those procedures shall be completed as soon as practicable after initial contact.
Z odstopanjem od odstavka 1 lahko države članice dovolijo, da se preverjanje identitete stranke in dejanskega lastnika izvede med vzpostavitvijo poslovnega odnosa, če je potrebno, da se ne prekine običajno poslovanje, in kadar obstaja majhno tveganje pranja denarja ali financiranja terorizma.
By way of derogation from paragraph 1, Member States may allow the opening of an account with a credit institution or financial institution, including accounts that permit transactions in transferable securities, provided that there are adequate safeguards in place to ensure that transactions are not carried out by the customer or on its behalf until full compliance with the customer due diligence requirements laid down in points (a) and (b) of the first subparagraph of Article 13(1) is obtained.
V takih primerih se ti postopki zaključijo kar najhitreje po prvem stiku.
Member States shall require that, where an obliged entity is unable to comply with the customer due diligence requirements laid down in point (a), (b) or (c) of the first subparagraph of Article 13(1), it shall not carry out a transaction through a bank account, establish a business relationship or carry out the transaction, and shall terminate the business relationship and consider making a suspicious transaction report to the FIU in relation to the customer in accordance with Article 33.
Z odstopanjem od odstavka 1 lahko države članice dovolijo odprtje računa pri kreditni instituciji ali finančni instituciji, vključno z računi, ki omogočajo transakcije s prenosljivimi vrednostnimi papirji, pod pogojem, da so vzpostavljena ustrezna varovala, za zagotovitev, da transakcij ne izvaja stranka oziroma da se ne izvajajo v njenem imenu, dokler ni dosežena popolna skladnost z zahtevami skrbnega preverjanja strank, določenimi v točkah (a) in (b) prvega pododstavka člena 13(1).
Member States shall not apply the first subparagraph to notaries, other independent legal professionals, auditors, external accountants and tax advisors only to the strict extent that those persons ascertain the legal position of their client, or perform the task of defending or representing that client in, or concerning, judicial proceedings, including providing advice on instituting or avoiding such proceedings.
Države članice zahtevajo, da pooblaščeni subjekt, ki ne more zagotoviti skladnosti z zahtevami skrbnega preverjanja strank, določenimi v točki (a), (b) ali (c) prvega pododstavka člena 13(1), ne izvede transakcije prek bančnega računa, ne vzpostavi poslovnega odnosa ali ne izvede transakcije ter prekine poslovni odnos in razmisli, da bi FIU podala poročilo o sumljivi transakciji v zvezi s stranko v skladu s členom 33.
Member States shall require that obliged entities apply the customer due diligence measures not only to all new customers but also at appropriate times to existing customers on a risk-sensitive basis, including at times when the relevant circumstances of a customer change.
Države članice prvega pododstavka ne uporabljajo, kadar notarji, drugi neodvisni pravni strokovnjaki, revizorji, zunanji računovodje in davčni svetovalci, in sicer v strogem obsegu, v katerem te osebe ugotavljajo pravni položaj svoje stranke ali ko branijo ali zastopajo to stranko v sodnem postopku ali v zvezi z njim, vključno s svetovanjem o sprožitvi ali izogibanju takšnemu postopku.
Simplified customer due diligence
Države članice zahtevajo, da pooblaščeni subjekti ukrepe skrbnega preverjanja strank uporabljajo ne le za vse nove stranke, ampak v primernem času in z upoštevanjem tveganja tudi za obstoječe stranke, tudi v času spremembe relevantnih okoliščin stranke.
Article 15
Poenostavljeno skrbno preverjanje strank
Where a Member State or an obliged entity identifies areas of lower risk, that Member State may allow obliged entities to apply simplified customer due diligence measures.
Člen 15
Before applying simplified customer due diligence measures, obliged entities shall ascertain that the business relationship or the transaction presents a lower degree of risk.
Kadar država članica ali pooblaščeni subjekt prepozna področja manjšega tveganja, lahko ta država članica pooblaščenim subjektom dovoli, da uporabijo poenostavljene ukrepe skrbnega preverjanja strank.
Member States shall ensure that obliged entities carry out sufficient monitoring of the transactions and business relationships to enable the detection of unusual or suspicious transactions.
Pooblaščeni subjekti pred uporabo poenostavljenih ukrepov skrbnega preverjanja strank preverijo, da poslovni odnos s stranko ali transakcija predstavlja nižjo stopnjo tveganja.
Article 16
Države članice zagotovijo, da pooblaščeni subjekti zadostno spremljajo transakcije in poslovne odnose, da omogočijo odkrivanje nenavadnih ali sumljivih transakcij.
When assessing the risks of money laundering and terrorist financing relating to types of customers, geographic areas, and particular products, services, transactions or delivery channels, Member States and obliged entities shall take into account at least the factors of potentially lower risk situations set out in Annex II.
Člen 16
Article 17
Države članice in pooblaščeni subjekti pri ocenjevanju tveganj pranja denarja in financiranja terorizma, povezanih z vrstami strank, geografskimi območji ter določenimi produkti, storitvami, transakcijami ali distribucijskimi potmi, upoštevajo vsaj dejavnike za situacije s potencialno manjšim tveganjem iz Priloge II.
By 26 June 2017, the ESAs shall issue guidelines addressed to competent authorities and the credit institutions and financial institutions in accordance with Article 16 of Regulations (EU) No 1093/2010, (EU) No 1094/2010, and (EU) No 1095/2010 on the risk factors to be taken into consideration and the measures to be taken in situations where simplified customer due diligence measures are appropriate.
Člen 17
Specific account shall be taken of the nature and size of the business, and, where appropriate and proportionate, specific measures shall be laid down.
Evropski nadzorni organi do 26. junija 2017 v skladu s členom 16 uredb (EU) št. 1093/2010, (EU) št. 1094/2010 in (EU) št. 1095/2010 izdajo smernice, naslovljene na pristojne organe ter kreditne institucije in finančne institucije, o dejavnikih tveganja, ki se upoštevajo, in ukrepih, ki se sprejmejo v primerih, ko so ustrezni poenostavljeni ukrepi skrbnega preverjanja strank.
Enhanced customer due diligence
Posebej se upošteva narava in obseg poslovanja ter se, kadar je to primerno in sorazmerno, določi posebne ukrepe.
Article 18
Okrepljeno skrbno preverjanje strank
In the cases referred to in Articles 19 to 24, and when dealing with natural persons or legal entities established in the third countries identified by the Commission as high-risk third countries, as well as in other cases of higher risk that are identified by Member States or obliged entities, Member States shall require obliged entities to apply enhanced customer due diligence measures to manage and mitigate those risks appropriately.
Člen 18
Enhanced customer due diligence measures need not be invoked automatically with respect to branches or majority-owned subsidiaries of obliged entities established in the Union which are located in high-risk third countries, where those branches or majority-owned subsidiaries fully comply with the group-wide policies and procedures in accordance with Article 45.
V primerih iz členov 19 do 24 in pri obravnavi fizičnih oseb ali pravnih subjektov s sedežem v tretjih državah, ki jih Komisija opredeli kot tretje države z visokim tveganjem, kot tudi v drugih primerih večjih tveganj, ki jih kot takšne opredelijo države članice ali pooblaščeni subjekti, države članice od pooblaščenih subjektov zahtevajo, da za ustrezno obvladovanje in blažitev navedenih tveganj uporabljajo okrepljene ukrepe skrbnega preverjanja strank.
Member States shall ensure that those cases are handled by obliged entities by using a risk-based approach.
Okrepljenih ukrepov skrbnega preverjanja strank ni treba samodejno uporabiti za podružnice ali hčerinske družbe v večinski lasti pooblaščenih subjektov s sedežem v Uniji, ki se nahajajo v tretjih državah z visokim tveganjem, kadar navedene podružnice ali hčerinske družbe v večinski lasti v celoti izpolnjujejo politike na ravni skupine in postopke v skladu s členom 45.
Member States shall require obliged entities to examine, as far as reasonably possible, the background and purpose of all complex and unusually large transactions, and all unusual patterns of transactions, which have no apparent economic or lawful purpose.
Države članice zagotovijo, da pooblaščeni subjekti v teh primerih uporabljajo pristop, ki temelji na tveganju.
In particular, obliged entities shall increase the degree and nature of monitoring of the business relationship, in order to determine whether those transactions or activities appear suspicious.
Države članice od pooblaščenih subjektov zahtevajo, da raziščejo, kolikor je to razumno mogoče, ozadje in namen vseh kompleksnih in nenavadno velikih transakcij ter vseh nenavadnih vzorcev transakcij, ki nimajo nobenega očitnega gospodarskega ali zakonitega namena.
When assessing the risks of money laundering and terrorist financing, Member States and obliged entities shall take into account at least the factors of potentially higher-risk situations set out in Annex III.
Pooblaščeni subjekti zlasti okrepijo stopnjo in naravo spremljanja poslovnega odnosa, da ugotovijo, ali so te transakcije ali dejavnosti videti sumljive.
By 26 June 2017, the ESAs shall issue guidelines addressed to competent authorities and the credit institutions and financial institutions, in accordance with Article 16 of Regulations (EU) No 1093/2010, (EU) No 1094/2010, and (EU) No 1095/2010 on the risk factors to be taken into consideration and the measures to be taken in situations where enhanced customer due diligence measures are appropriate.
Države članice in pooblaščeni subjekti pri oceni tveganj pranja denarja in financiranja terorizma upoštevajo vsaj dejavnike za situacije s potencialno večjim tveganjem iz Priloge III.
Article 19
4.
With respect to cross-border correspondent relationships with a third-country respondent institution, Member States shall, in addition to the customer due diligence measures laid down in Article 13, require their credit institutions and financial institutions to:
Evropski nadzorni organi do 26. junija 2017 v skladu s členom 16 uredb (EU) št. 1093/2010, (EU) št. 1094/2010 in (EU) št. 1095/2010 izdajo smernice, naslovljene na pristojne organe ter kreditne institucije in finančne institucije, o dejavnikih tveganja, ki se upoštevajo, in ukrepih, ki se sprejmejo v primerih, ko so ustrezni okrepljeni ukrepi skrbnega preverjanja strank.
gather sufficient information about the respondent institution to understand fully the nature of the respondent's business and to determine from publicly available information the reputation of the institution and the quality of supervision;
Člen 19
assess the respondent institution's AML/CFT controls;
Kadar kreditne in finančne institucije sklepajo čezmejne korespondenčne odnose z respondenčnimi institucijami iz tretjih držav, države članice poleg ukrepov skrbnega preverjanja strank, določenih v členu 13, od svojih kreditnih institucij in finančnih institucij zahtevajo, da:
obtain approval from senior management before establishing new correspondent relationships;
zberejo zadostne informacije o respondenčni instituciji, da v celoti razumejo naravo njenega poslovanja ter iz javno dostopnih informacij ocenijo ugled institucije in kakovost nadzora;
document the respective responsibilities of each institution;
ocenijo nadzor glede AML/CFT v respondenčni instituciji;
with respect to payable-through accounts, be satisfied that the respondent institution has verified the identity of, and performed ongoing due diligence on, the customers having direct access to accounts of the correspondent institution, and that it is able to provide relevant customer due diligence data to the correspondent institution, upon request.
pridobijo odobritev višjega vodstva pred sklepanjem novih korespondenčnih odnosov;
Article 20
dokumentirajo ustrezne pristojnosti vsake institucije;
With respect to transactions or business relationships with politically exposed persons, Member States shall, in addition to the customer due diligence measures laid down in Article 13, require obliged entities to:
glede prehodnih računov, se prepričajo, da je respondenčna institucija preverila identiteto strank in je stalno skrbno preverjala stranke, ki imajo neposreden dostop do računov korespondenčne institucije, ter da je korespondenčni instituciji na zahtevo sposobna zagotoviti zadevne podatke o skrbnem preverjanju strank.
have in place appropriate risk management systems, including risk-based procedures, to determine whether the customer or the beneficial owner of the customer is a politically exposed person;
Člen 20
apply the following measures in cases of business relationships with politically exposed persons:
Kar zadeva transakcije ali poslovne odnose s politično izpostavljenimi osebami, države članice poleg ukrepov skrbnega preverjanja strank iz člena 13 od pooblaščenih subjektov zahtevajo, da:
obtain senior management approval for establishing or continuing business relationships with such persons;
imajo ustrezne sisteme upravljanja tveganj, vključno s postopki na podlagi tveganja za ugotavljanje, ali je stranka ali dejanski lastnik stranke politično izpostavljena oseba;
take adequate measures to establish the source of wealth and source of funds that are involved in business relationships or transactions with such persons;
v primeru poslovnih odnosov s politično izpostavljenimi osebami uporabljajo naslednje ukrepe:
conduct enhanced, ongoing monitoring of those business relationships.
pridobijo odobritev višjega vodstva za vzpostavitev ali nadaljevanje poslovnih odnosov s takšnimi osebami;
Article 21
sprejmejo ustrezne ukrepe, da ugotovijo izvor premoženja in sredstev, vključenih v poslovne odnose ali transakcije s takšnimi osebami;
Member States shall require obliged entities to take reasonable measures to determine whether the beneficiaries of a life or other investment-related insurance policy and/or, where required, the beneficial owner of the beneficiary are politically exposed persons.
okrepljeno stalno spremljajo te poslovne odnos.
Those measures shall be taken no later than at the time of the payout or at the time of the assignment, in whole or in part, of the policy.
Člen 21
Where there are higher risks identified, in addition to applying the customer due diligence measures laid down in Article 13, Member States shall require obliged entities to:
Države članice od pooblaščenih subjektov zahtevajo, da sprejmejo razumne ukrepe za določitev ali so upravičenci iz življenjske ali druge z naložbami povezane zavarovalne police in/ali, kadar je potrebno, dejanski lastnik upravičenca politično izpostavljene osebe.
inform senior management before payout of policy proceeds;
Ti ukrepi se sprejmejo najpozneje v času izplačila ali popolne ali delne dodelitve police.
conduct enhanced scrutiny of the entire business relationship with the policyholder.
Kadar so prepoznana večja tveganja, države članice poleg uporabe ukrepov skrbnega preverjanja strank iz člena 13 od pooblaščenih subjektov zahtevajo, da:
Article 22
obvestijo višje vodstvo pred izplačilom sredstev police;