{"id":36801,"date":"2025-03-12T11:36:19","date_gmt":"2025-03-12T08:36:19","guid":{"rendered":"https:\/\/www.thrivedesk.com\/?p=36801"},"modified":"2025-11-09T12:05:48","modified_gmt":"2025-11-09T09:05:48","slug":"understanding-customer-due-diligence","status":"publish","type":"post","link":"https:\/\/www.thrivedesk.com\/ja\/understanding-customer-due-diligence\/","title":{"rendered":"\u9867\u5ba2\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u306e\u7406\u89e3\uff1a\u4e3b\u306a\u76ee\u7684\u3068\u5b9f\u65bd\u6226\u7565"},"content":{"rendered":"<p>\u4f01\u696d\u304c\u91d1\u878d\u898f\u5236\u306e\u8907\u96d1\u3055\u3068\u7d76\u3048\u305a\u5909\u5316\u3059\u308b\u30ea\u30b9\u30af\u74b0\u5883\u3092\u4e57\u308a\u8d8a\u3048\u3066\u3044\u304f\u4e2d\u3067\u3001\u52b9\u679c\u7684\u306a\u9867\u5ba2\u30c7\u30fc\u30bf\u958b\u793a\uff08CDD\uff09\u6226\u7565\u306e\u5fc5\u8981\u6027\u306f\u63fa\u308b\u304e\u306a\u3044\u3082\u306e\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u9867\u5ba2ID\u306b\u57fa\u3065\u304f\u3042\u3089\u3086\u308b\u610f\u601d\u6c7a\u5b9a\u304c\u3001\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u9075\u5b88\u3068\u7834\u6ec5\u306e\u5206\u304b\u308c\u76ee\u3068\u306a\u308a\u5f97\u308b\u306e\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u9867\u5ba2\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u306f\u3001\u91d1\u878d\u72af\u7f6a\u3068\u6226\u3046\u305f\u3081\u306e\u57fa\u672c\u7684\u306a\u8981\u7d20\u3067\u3042\u308a\u3001\u4f01\u696d\u304c\u53d6\u5f15\u76f8\u624b\u3092\u6b63\u78ba\u306b\u628a\u63e1\u3067\u304d\u308b\u3088\u3046\u306b\u3057\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u672c\u4eba\u78ba\u8a8d\u304b\u3089\u53d6\u5f15\u95a2\u4fc2\u306e\u7cbe\u67fb\u307e\u3067\u3001CDD\u306f\u7d44\u7e54\u3068\u305d\u306e\u9867\u5ba2\u306e\u4e21\u65b9\u3092\u4fdd\u8b77\u3059\u308b\u305f\u3081\u306b\u9054\u6210\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u5e45\u5e83\u3044\u76ee\u6a19\u3092\u7db2\u7f85\u3057\u3066\u3044\u307e\u3059\u3002\u5404\u6bb5\u968e\u306e\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u306f\u3001\u8a50\u6b3a\u3001\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u3001\u305d\u306e\u4ed6\u306e\u9055\u6cd5\u884c\u70ba\u306b\u95a2\u9023\u3059\u308b\u30ea\u30b9\u30af\u3092\u8efd\u6e1b\u3059\u308b\u306e\u306b\u5f79\u7acb\u3061\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u3053\u306e\u8a18\u4e8b\u3067\u306f\u3001CDD \u306e\u4e2d\u5fc3\u7684\u306a\u76ee\u7684\u3068\u5b9f\u88c5\u6226\u7565\u306b\u3064\u3044\u3066\u8a73\u3057\u304f\u89e3\u8aac\u3057\u3001\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u306e\u7a2e\u985e\u3001\u30ea\u30b9\u30af\u8a55\u4fa1\u65b9\u6cd5\u3001\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u304c\u3053\u306e\u5206\u91ce\u306b\u3069\u306e\u3088\u3046\u306a\u9769\u547d\u3092\u3082\u305f\u3089\u3057\u3066\u3044\u308b\u304b\u3092\u63a2\u308a\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u79c1\u305f\u3061\u3068\u4e00\u7dd2\u306b\u3053\u308c\u3089\u306e\u91cd\u8981\u306a\u30b3\u30f3\u30dd\u30fc\u30cd\u30f3\u30c8\u3092\u89e3\u304d\u660e\u304b\u3057\u3001\u6574\u5408\u6027\u3068\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u3092\u7dad\u6301\u3057\u306a\u304c\u3089\u7d44\u7e54\u304c\u7e41\u6804\u3067\u304d\u308b\u3088\u3046\u306b\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>\u76ee\u6b21<\/h2><nav><ul><li><a href=\"#core-objectives-of-customer-due-diligence\">\u9867\u5ba2\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u306e\u4e2d\u6838\u76ee\u7684<\/a><ul><li><a href=\"#verifying-customer-identities\">\u9867\u5ba2\u306e\u8eab\u5143\u78ba\u8a8d<\/a><\/li><li><a href=\"#assessing-the-nature-of-business-relationships\">\u30d3\u30b8\u30cd\u30b9\u95a2\u4fc2\u306e\u6027\u8cea\u3092\u8a55\u4fa1\u3059\u308b<\/a><\/li><li><a href=\"#identifying-beneficial-ownership\">\u5b9f\u8cea\u7684\u6240\u6709\u8005\u306e\u7279\u5b9a<\/a><\/li><li><a href=\"#importance-of-ongoing-monitoring\">\u7d99\u7d9a\u7684\u306a\u30e2\u30cb\u30bf\u30ea\u30f3\u30b0\u306e\u91cd\u8981\u6027<\/a><\/li><\/ul><\/li><li><a href=\"#types-of-customer-due-diligence\">\u9867\u5ba2\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u306e\u7a2e\u985e<\/a><ul><li><a href=\"#standard-due-diligence\">\u6a19\u6e96\u7684\u306a\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9<\/a><\/li><li><a href=\"#enhanced-due-diligence-for-high-risk-customers\">\u9ad8\u30ea\u30b9\u30af\u9867\u5ba2\u306b\u5bfe\u3059\u308b\u5f37\u5316\u3055\u308c\u305f\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9<\/a><\/li><li><a href=\"#simplified-due-diligence\">\u7c21\u7d20\u5316\u3055\u308c\u305f\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9<\/a><\/li><\/ul><\/li><li><a href=\"#risk-assessment-in-customer-due-diligence\">\u9867\u5ba2\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u306b\u304a\u3051\u308b\u30ea\u30b9\u30af\u8a55\u4fa1<\/a><ul><li><a href=\"#evaluating-customer-risk-levels\">\u9867\u5ba2\u30ea\u30b9\u30af\u30ec\u30d9\u30eb\u306e\u8a55\u4fa1<\/a><\/li><li><a href=\"#identifying-politically-exposed-persons-pe-ps\">\u653f\u6cbb\u7684\u306b\u91cd\u8981\u306a\u4eba\u7269\uff08PEP\uff09\u306e\u7279\u5b9a<\/a><\/li><li><a href=\"#using-risk-based-approaches\">\u30ea\u30b9\u30af\u30d9\u30fc\u30b9\u306e\u30a2\u30d7\u30ed\u30fc\u30c1\u306e\u4f7f\u7528<\/a><\/li><\/ul><\/li><li><a href=\"#practical-implementation-strategies\">\u5b9f\u8df5\u7684\u306a\u5b9f\u88c5\u6226\u7565<\/a><ul><li><a href=\"#developing-a-robust-cdd-checklist\">\u5805\u7262\u306aCDD\u30c1\u30a7\u30c3\u30af\u30ea\u30b9\u30c8\u306e\u958b\u767a<\/a><\/li><li><a href=\"#steps-for-verifying-identities\">\u672c\u4eba\u78ba\u8a8d\u306e\u624b\u9806<\/a><\/li><li><a href=\"#conducting-sanction-checks\">\u5236\u88c1\u30c1\u30a7\u30c3\u30af\u306e\u5b9f\u65bd<\/a><\/li><li><a href=\"#collecting-additional-customer-information\">\u8ffd\u52a0\u306e\u9867\u5ba2\u60c5\u5831\u306e\u53ce\u96c6<\/a><\/li><\/ul><\/li><li><a href=\"#challenges-in-customer-due-diligence\">\u9867\u5ba2\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u306e\u8ab2\u984c<\/a><ul><li><a href=\"#managing-incomplete-information\">\u4e0d\u5b8c\u5168\u306a\u60c5\u5831\u306e\u7ba1\u7406<\/a><\/li><li><a href=\"#balancing-compliance-and-customer-experience\">\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u3068\u9867\u5ba2\u4f53\u9a13\u306e\u30d0\u30e9\u30f3\u30b9<\/a><\/li><li><a href=\"#keeping-up-with-regulatory-changes\">\u898f\u5236\u306e\u5909\u66f4\u306b\u5bfe\u5fdc\u3059\u308b<\/a><\/li><\/ul><\/li><li><a href=\"#the-role-of-technology-in-cdd\">CDD\u306b\u304a\u3051\u308b\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306e\u5f79\u5272<\/a><ul><li><a href=\"#automated-verification-solutions\">\u81ea\u52d5\u691c\u8a3c\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3<\/a><\/li><li><a href=\"#data-analytics-for-risk-assessment\">\u30ea\u30b9\u30af\u8a55\u4fa1\u306e\u305f\u3081\u306e\u30c7\u30fc\u30bf\u5206\u6790<\/a><\/li><li><a href=\"#maintaining-data-privacy-and-security\">\u30c7\u30fc\u30bf\u306e\u30d7\u30e9\u30a4\u30d0\u30b7\u30fc\u3068\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306e\u7dad\u6301<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"core-objectives-of-customer-due-diligence\">\u9867\u5ba2\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u306e\u4e2d\u6838\u76ee\u7684<\/h2>\n\n\n\n<p>\u9867\u5ba2\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9 (CDD) \u306f\u3001\u91d1\u878d\u72af\u7f6a\u306b\u5bfe\u3059\u308b\u6700\u524d\u7dda\u306e\u9632\u5fa1\u3067\u3042\u308a\u3001\u5b89\u5168\u3067\u900f\u660e\u6027\u306e\u9ad8\u3044\u30d3\u30b8\u30cd\u30b9\u95a2\u4fc2\u3092\u78ba\u7acb\u3059\u308b\u306e\u306b\u5f79\u7acb\u3061\u307e\u3059\u3002 <\/p>\n\n\n\n<p>CDD\u306e\u4e3b\u306a\u76ee\u7684\u306f\u3001\u9867\u5ba2\u306e\u8eab\u5143\u3092\u78ba\u8a8d\u3057\u3001\u95a2\u9023\u3059\u308b\u30ea\u30b9\u30af\u3092\u8a55\u4fa1\u3057\u3001\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u3068\u30c6\u30ed\u8cc7\u91d1\u4f9b\u4e0e\u3092\u9632\u6b62\u3059\u308b\u3053\u3068\u3067\u3059\u3002CDD\u306f\u3001\u5358\u306a\u308b\u898f\u5236\u9075\u5b88\u306b\u3068\u3069\u307e\u3089\u305a\u3001\u4f01\u696d\u3068\u91d1\u878d\u30b7\u30b9\u30c6\u30e0\u306e\u5065\u5168\u6027\u306e\u4e21\u65b9\u3092\u4fdd\u8b77\u3059\u308b\u305f\u3081\u306b\u8a2d\u8a08\u3055\u308c\u305f\u7a4d\u6975\u7684\u306a\u30a2\u30d7\u30ed\u30fc\u30c1\u3067\u3059\u3002 <\/p>\n\n\n\n<p>CDD \u306f\u3001\u30ab\u30fc\u30c6\u30f3\u306e\u88cf\u5074\u3092\u8997\u304d\u8fbc\u3080\u3053\u3068\u3067\u3001\u6f5c\u5728\u7684\u9867\u5ba2\u306e\u771f\u610f\u3068\u5b9f\u8cea\u7684\u6240\u6709\u6a29\u3092\u660e\u3089\u304b\u306b\u3057\u3001\u7d44\u7e54\u304c\u8ca1\u52d9\u7684\u306b\u5065\u5168\u304b\u3064\u6cd5\u7684\u306b\u6e96\u62e0\u3057\u305f\u6d3b\u52d5\u306b\u5f93\u4e8b\u3059\u308b\u305f\u3081\u306e\u77e5\u8b58\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u3092\u76ee\u6307\u3057\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n\n\n<p>CDD \u3092\u63a1\u7528\u3059\u308b\u3053\u3068\u306f\u3001\u4f01\u696d\u304c\u900f\u660e\u6027\u3001\u8aa0\u5b9f\u6027\u3001\u91d1\u878d\u8a50\u6b3a\u3084\u9055\u6cd5\u884c\u70ba\u3068\u306e\u6226\u3044\u306b\u53d6\u308a\u7d44\u3093\u3067\u3044\u308b\u3053\u3068\u306e\u8a3c\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"verifying-customer-identities\">\u9867\u5ba2\u306e\u8eab\u5143\u78ba\u8a8d<\/h3>\n\n\n\n<p>\u9867\u5ba2\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u30d7\u30ed\u30bb\u30b9\u306e\u4e2d\u5fc3\u3068\u306a\u308b\u306e\u306f\u3001\u9867\u5ba2\u306e\u8eab\u5143\u78ba\u8a8d\u3067\u3059\u3002\u3053\u306e\u57fa\u672c\u7684\u306a\u30b9\u30c6\u30c3\u30d7\u306f\u3001\u4e0d\u6b63\u884c\u70ba\u306e\u30ea\u30b9\u30af\u3092\u8efd\u6e1b\u3057\u3001\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u5bfe\u7b56\uff08AML\uff09\u304a\u3088\u3073\u9867\u5ba2\u78ba\u8a8d\uff08KYC\uff09\u898f\u5236\u3078\u306e\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u3092\u78ba\u4fdd\u3059\u308b\u305f\u3081\u306b\u4e0d\u53ef\u6b20\u3067\u3059\u3002 <\/p>\n\n\n\n<p>\u3053\u306e\u30d7\u30ed\u30bb\u30b9\u3067\u306f\u3001\u6c0f\u540d\u3001\u751f\u5e74\u6708\u65e5\u3001\u5c45\u4f4f\u5730\u60c5\u5831\u306a\u3069\u306e\u500b\u4eba\u60c5\u5831\u306e\u53ce\u96c6\u3068\u7cbe\u67fb\u304c\u884c\u308f\u308c\u307e\u3059\u3002\u3053\u308c\u3089\u306e\u60c5\u5831\u3092\u78ba\u8a8d\u3059\u308b\u305f\u3081\u306b\u3001\u7d44\u7e54\u306f\u653f\u5e9c\u767a\u884c\u306e\u8eab\u5206\u8a3c\u660e\u66f8\u3092\u5165\u624b\u3057\u3001\u305d\u306e\u771f\u6b63\u6027\u3068\u6709\u52b9\u6027\u3092\u78ba\u8a8d\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u3055\u3089\u306b\u3001\u5236\u88c1\u5bfe\u8c61\u30ea\u30b9\u30c8\u306e\u898b\u76f4\u3057\u306f\u3001\u5236\u88c1\u5bfe\u8c61\u56e3\u4f53\u3068\u306e\u610f\u56f3\u3057\u306a\u3044\u53d6\u5f15\u304b\u3089\u7d44\u7e54\u3092\u4fdd\u8b77\u3059\u308b\u305f\u3081\u306b\u91cd\u8981\u3067\u3059\u3002 <\/p>\n\n\n\n<p>\u5f37\u529b\u306a\u9867\u5ba2\u8b58\u5225\u30d7\u30ed\u30b0\u30e9\u30e0 (CIP) \u3092\u5b9f\u88c5\u3059\u308b\u3068\u3001\u691c\u8a3c\u30d7\u30ed\u30bb\u30b9\u304c\u5f37\u5316\u3055\u308c\u308b\u3060\u3051\u3067\u306a\u304f\u3001\u7d44\u7e54\u3092\u91d1\u878d\u72af\u7f6a\u3084\u9055\u6cd5\u884c\u70ba\u304b\u3089\u5b88\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"assessing-the-nature-of-business-relationships\">\u30d3\u30b8\u30cd\u30b9\u95a2\u4fc2\u306e\u6027\u8cea\u3092\u8a55\u4fa1\u3059\u308b<\/h3>\n\n\n\n<p>\u30d3\u30b8\u30cd\u30b9\u95a2\u4fc2\u306e\u8907\u96d1\u3055\u3092\u7406\u89e3\u3059\u308b\u3053\u3068\u306f\u3001\u52b9\u679c\u7684\u306a\u9867\u5ba2\u7ba1\u7406\uff08CDD\uff09\u304a\u3088\u3073\u30ea\u30b9\u30af\u8a55\u4fa1\u6226\u7565\u306e\u57fa\u76e4\u3068\u306a\u308a\u307e\u3059\u3002\u3053\u308c\u306b\u306f\u3001\u95a2\u4fc2\u306e\u76ee\u7684\u3068\u610f\u56f3\u3055\u308c\u305f\u6027\u8cea\u3092\u8a55\u4fa1\u3057\u3001\u9867\u5ba2\u306e\u4e8b\u696d\u6d3b\u52d5\u304b\u3089\u91d1\u878d\u6a5f\u95a2\u3068\u306e\u904e\u53bb\u306e\u53d6\u5f15\u95a2\u4fc2\u307e\u3067\u3001\u3042\u3089\u3086\u308b\u3053\u3068\u3092\u691c\u8a3c\u3059\u308b\u3053\u3068\u304c\u542b\u307e\u308c\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u6240\u6709\u6a29\u69cb\u9020\u3068\u9867\u5ba2\u5c65\u6b74\u306b\u95a2\u3059\u308b\u8a73\u7d30\u60c5\u5831\u3092\u53ce\u96c6\u3059\u308b\u3068\u3001\u6f5c\u5728\u7684\u306a\u30ea\u30b9\u30af\u306b\u95a2\u3059\u308b\u8cb4\u91cd\u306a\u6d1e\u5bdf\u304c\u5f97\u3089\u308c\u3001\u9867\u5ba2\u3092\u4f4e\u30ea\u30b9\u30af\u3001\u4e2d\u30ea\u30b9\u30af\u3001\u9ad8\u30ea\u30b9\u30af\u306b\u5206\u985e\u3059\u308b\u306e\u306b\u5f79\u7acb\u3061\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u91d1\u878d\u53d6\u5f15\u3092\u7d99\u7d9a\u7684\u306b\u76e3\u8996\u3057\u3001\u91d1\u878d\u72af\u7f6a\u3092\u793a\u5506\u3059\u308b\u7570\u5e38\u306a\u6d3b\u52d5\u3084\u7591\u308f\u3057\u3044\u53d6\u5f15\u3092\u7279\u5b9a\u3059\u308b\u3053\u3068\u304c\u91cd\u8981\u3067\u3059\u3002 <\/p>\n\n\n\n<p>\u3053\u308c\u3089\u306e\u8a55\u4fa1\u3092\u9069\u5207\u306b\u6587\u66f8\u5316\u3059\u308b\u3053\u3068\u3067\u3001\u898f\u5236\u9075\u5b88\u304c\u4fdd\u8a3c\u3055\u308c\u308b\u3060\u3051\u3067\u306a\u304f\u3001\u7d44\u7e54\u306f\u5fc5\u8981\u306a\u76e3\u67fb\u306b\u5099\u3048\u308b\u3053\u3068\u304c\u3067\u304d\u3001\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u5bfe\u7b56\u3078\u306e\u53d6\u308a\u7d44\u307f\u304c\u5f37\u8abf\u3055\u308c\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"identifying-beneficial-ownership\">\u5b9f\u8cea\u7684\u6240\u6709\u8005\u306e\u7279\u5b9a<\/h3>\n\n\n\n<p>CDD\u5206\u91ce\u306b\u304a\u3044\u3066\u3001\u5b9f\u8cea\u7684\u6240\u6709\u8005\u306e\u7279\u5b9a\u3068\u691c\u8a3c\u306f\u4e0d\u53ef\u6b20\u306a\u30bf\u30b9\u30af\u3067\u3059\u3002\u5b9f\u8cea\u7684\u6240\u6709\u8005\u3068\u306f\u3001\u4e8b\u696d\u306e\u8868\u5411\u304d\u306e\u8868\u5411\u304d\u306e\u696d\u52d9\u306e\u88cf\u3067\u3001\u901a\u5e38\u306f\u5c11\u306a\u304f\u3068\u308225%\u306e\u682a\u5f0f\u3092\u4fdd\u6709\u3057\u3001\u652f\u914d\u6a29\u3092\u884c\u4f7f\u3057\u305f\u308a\u3001\u305d\u306e\u5229\u76ca\u3092\u4eab\u53d7\u3057\u305f\u308a\u3059\u308b\u500b\u4eba\u3092\u6307\u3057\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u3053\u308c\u3089\u306e\u500b\u4eba\u3092\u7279\u5b9a\u3059\u308b\u3053\u3068\u306f\u3001\u3042\u3089\u3086\u308b\u7d44\u7e54\u306e\u771f\u306e\u652f\u914d\u69cb\u9020\u3092\u660e\u3089\u304b\u306b\u3057\u3001\u95a2\u9023\u3059\u308b\u30ea\u30b9\u30af\u3092\u52b9\u679c\u7684\u306b\u8a55\u4fa1\u3059\u308b\u4e0a\u3067\u6975\u3081\u3066\u91cd\u8981\u3067\u3059\u3002\u4e16\u754c\u5404\u56fd\u306e\u898f\u5236\u67a0\u7d44\u307f\u3067\u306f\u3001\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u5bfe\u7b56\uff08AML\uff09\u304a\u3088\u3073\u30c6\u30ed\u8cc7\u91d1\u4f9b\u4e0e\u5bfe\u7b56\uff08CTF\uff09\u306b\u304a\u3044\u3066\u3001\u3053\u3046\u3057\u305f\u500b\u4eba\u3092\u7279\u5b9a\u3059\u308b\u3053\u3068\u304c\u7fa9\u52d9\u4ed8\u3051\u3089\u308c\u3066\u304a\u308a\u3001\u91d1\u878d\u30b7\u30b9\u30c6\u30e0\u3092\u4e0d\u6b63\u643e\u53d6\u304b\u3089\u5f37\u5316\u3057\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u5b9f\u8cea\u7684\u6240\u6709\u6a29\u3092\u660e\u78ba\u306b\u7406\u89e3\u3059\u308b\u3053\u3068\u3067\u3001\u7d44\u7e54\u306f\u9055\u6cd5\u884c\u70ba\u3092\u6291\u6b62\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u3001\u65b0\u305f\u306a\u95a2\u4fc2\u306e\u6700\u521d\u304b\u3089\u6cd5\u4ee4\u3092\u9075\u5b88\u3057\u30ea\u30b9\u30af\u3092\u56de\u907f\u3057\u305f\u30d3\u30b8\u30cd\u30b9\u95a2\u4fc2\u3092\u7bc9\u304f\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"importance-of-ongoing-monitoring\">\u7d99\u7d9a\u7684\u306a\u30e2\u30cb\u30bf\u30ea\u30f3\u30b0\u306e\u91cd\u8981\u6027<\/h3>\n\n\n\n<p>\u7d99\u7d9a\u7684\u306a\u76e3\u8996\u306f\u3001\u9867\u5ba2\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u306e\u53d6\u308a\u7d44\u307f\u306e\u6301\u7d9a\u6027\u3068\u5b8c\u5168\u6027\u3092\u4fdd\u8a3c\u3059\u308b\u305f\u3081\u306e\u3001\u5e38\u306b\u76e3\u8996\u306e\u76ee\u3068\u306a\u308a\u307e\u3059\u3002\u3053\u306e\u52d5\u7684\u306a\u30d7\u30ed\u30bb\u30b9\u306b\u306f\u3001\u9867\u5ba2\u306e\u53d6\u5f15\u3084\u884c\u52d5\u3092\u7d99\u7d9a\u7684\u306b\u76e3\u8996\u3057\u3001\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u3084\u305d\u306e\u4ed6\u306e\u91d1\u878d\u72af\u7f6a\u3092\u793a\u5506\u3059\u308b\u7570\u5e38\u306a\u30d1\u30bf\u30fc\u30f3\u304c\u306a\u3044\u304b\u78ba\u8a8d\u3059\u308b\u3053\u3068\u304c\u542b\u307e\u308c\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u3053\u3046\u3057\u305f\u8b66\u6212\u3092\u7dad\u6301\u3059\u308b\u3053\u3068\u3067\u3001\u91d1\u878d\u6a5f\u95a2\u306f\u7591\u308f\u3057\u3044\u6d3b\u52d5\u3092\u8fc5\u901f\u306b\u5831\u544a\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u3001\u5f53\u5c40\u304c\u8907\u96d1\u306a\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u884c\u70ba\u3092\u963b\u6b62\u3059\u308b\u306e\u3092\u652f\u63f4\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u7d99\u7d9a\u7684\u306a\u76e3\u8996\u306f\u9759\u7684\u306a\u3082\u306e\u3067\u306f\u306a\u304f\u3001\u5b9a\u671f\u7684\u306a\u30ec\u30d3\u30e5\u30fc\u3068\u7d99\u7d9a\u7684\u306a\u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u76e3\u8996\u304c\u542b\u307e\u308c\u3001\u521d\u671f\u8a55\u4fa1\u5f8c\u306e\u30ea\u30b9\u30af \u30ec\u30d9\u30eb\u306e\u5909\u5316\u3092\u7d44\u7e54\u304c\u5e38\u306b\u628a\u63e1\u3067\u304d\u308b\u3088\u3046\u306b\u3057\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u3053\u306e\u7d99\u7d9a\u7684\u306a\u76e3\u8996\u306b\u3088\u308a\u3001\u9867\u5ba2\u95a2\u4fc2\u3092\u80b2\u3080\u74b0\u5883\u304c\u4fc3\u9032\u3055\u308c\u3001\u4f01\u696d\u306f\u6cd5\u7684\u3001\u8ca1\u52d9\u7684\u3001\u8a55\u5224\u4e0a\u306e\u640d\u5bb3\u304b\u3089\u4fdd\u8b77\u3055\u308c\u3001\u91d1\u878d\u72af\u7f6a\u3084\u4e0d\u6b63\u884c\u70ba\u306e\u8105\u5a01\u306b\u5bfe\u3059\u308b\u59ff\u52e2\u304c\u5f37\u5316\u3055\u308c\u307e\u3059\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"types-of-customer-due-diligence\">\u9867\u5ba2\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u306e\u7a2e\u985e<\/h2>\n\n\n\n<p>\u4f01\u696d\u3092\u91d1\u878d\u72af\u7f6a\u3084\u9055\u6cd5\u884c\u70ba\u304b\u3089\u5b88\u308b\u3053\u3068\u306b\u71b1\u610f\u3092\u304a\u6301\u3061\u3067\u3059\u304b\uff1f\u9867\u5ba2\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\uff08CDD\uff09\u306e\u9053\u3092\u6b69\u307f\u59cb\u3081\u307e\u3057\u3087\u3046\uff01 <\/p>\n\n\n\n<p>\u3053\u306e\u4e0d\u53ef\u6b20\u306a\u30d7\u30ed\u30bb\u30b9\u306f\u3001\u3042\u3089\u3086\u308b\u5f37\u529b\u306a\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u5bfe\u7b56\u6226\u7565\u306e\u57fa\u790e\u3068\u306a\u308a\u3001\u4f01\u696d\u304c\u6f5c\u5728\u7684\u306a\u30ea\u30b9\u30af\u3092\u7279\u5b9a\u3001\u7406\u89e3\u3001\u7ba1\u7406\u3067\u304d\u308b\u3088\u3046\u306b\u5c0e\u304d\u307e\u3059\u3002 <\/p>\n\n\n\n<p>CDD \u306b\u306f\u3001\u9867\u5ba2\u306b\u95a2\u9023\u3059\u308b\u3055\u307e\u3056\u307e\u306a\u30ea\u30b9\u30af \u30ec\u30d9\u30eb\u306b\u5408\u308f\u305b\u3066\u8abf\u6574\u3055\u308c\u305f\u3001\u57fa\u672c\u3001\u6a19\u6e96\u3001\u62e1\u5f35\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u306e 3 \u3064\u306e\u4e3b\u306a\u30bf\u30a4\u30d7\u304c\u3042\u308a\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9 \u30d7\u30ed\u30bb\u30b9\u306f\u5358\u306a\u308b\u6cd5\u7684\u8981\u4ef6\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u3053\u308c\u306f\u3001\u91d1\u878d\u53d6\u5f15\u304c\u6700\u9ad8\u30ec\u30d9\u30eb\u306e\u7cbe\u67fb\u306e\u4e0b\u3067\u884c\u308f\u308c\u308b\u3053\u3068\u3092\u4fdd\u8a3c\u3059\u308b\u3001\u8aa0\u5b9f\u6027\u3068\u8ca1\u52d9\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3078\u306e\u53d6\u308a\u7d44\u307f\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"standard-due-diligence\">\u6a19\u6e96\u7684\u306a\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9<\/h3>\n\n\n\n<p>\u6a19\u6e96\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\uff08SDD\uff09\u306f\u3001\u4e2d\u7a0b\u5ea6\u306e\u30ea\u30b9\u30af\u3092\u6301\u3064\u9867\u5ba2\u3092\u7ba1\u7406\u3059\u308b\u4f01\u696d\u306b\u3068\u3063\u3066\u751f\u547d\u7dda\u3067\u3059\u3002\u3053\u306e\u91cd\u8981\u306a\u30b7\u30b9\u30c6\u30e0\u306f\u3001\u9867\u5ba2\u306e\u8eab\u5143\u60c5\u5831\u3092\u53ce\u96c6\u30fb\u78ba\u8a8d\u3057\u3001\u305d\u306e\u4e8b\u696d\u6d3b\u52d5\u3092\u628a\u63e1\u3057\u3001\u7591\u308f\u3057\u3044\u6d3b\u52d5\u3084\u53d6\u5f15\u304c\u306a\u3044\u304b\u7d99\u7d9a\u7684\u306b\u76e3\u8996\u3059\u308b\u3068\u3044\u3046\u3001\u5468\u671f\u7684\u306a\u30d7\u30ed\u30bb\u30b9\u3067\u69cb\u6210\u3055\u308c\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n\n\n<p>SDD \u3092\u5b9f\u88c5\u3059\u308b\u3053\u3068\u306f\u3001\u898f\u5236\u8981\u4ef6\u3092\u9075\u5b88\u3059\u308b\u3053\u3068\u3060\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u8ca1\u52d9\u30ea\u30b9\u30af\u3084\u8a55\u5224\u30ea\u30b9\u30af\u306e\u8105\u5a01\u304b\u3089\u89e3\u653e\u3055\u308c\u3001\u4f01\u696d\u3068\u9867\u5ba2\u306e\u4e21\u65b9\u304c\u7e41\u6804\u3067\u304d\u308b\u5b89\u5168\u306a\u5834\u6240\u3092\u4f5c\u308a\u51fa\u3059\u3053\u3068\u3067\u3059\u3002 <\/p>\n\n\n\n<p>SDD \u306f\u3001\u91d1\u878d\u306e\u4e16\u754c\u306b\u6f5c\u3080\u76ee\u306b\u898b\u3048\u306a\u3044\u5371\u967a\u304b\u3089\u4f01\u696d\u3092\u5b88\u308a\u3001\u4f01\u696d\u304c\u77e5\u3089\u306a\u3044\u3046\u3061\u306b\u9055\u6cd5\u884c\u70ba\u306b\u5dfb\u304d\u8fbc\u307e\u308c\u306a\u3044\u3088\u3046\u306b\u3059\u308b\u76fe\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"enhanced-due-diligence-for-high-risk-customers\">\u9ad8\u30ea\u30b9\u30af\u9867\u5ba2\u306b\u5bfe\u3059\u308b\u5f37\u5316\u3055\u308c\u305f\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9<\/h3>\n\n\n\n<p>\u9ad8\u30ea\u30b9\u30af\u9867\u5ba2\u306b\u95a2\u3057\u3066\u306f\u3001\u6c7a\u3057\u3066\u6210\u308a\u884c\u304d\u4efb\u305b\u306b\u3057\u306a\u3044\u3067\u304f\u3060\u3055\u3044\u3002\u5f37\u5316\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\uff08EDD\uff09\u306f\u3001\u9ad8\u30ea\u30b9\u30af\u56fd\u51fa\u8eab\u8005\u3084\u91cd\u8981\u306a\u516c\u7684\u5730\u4f4d\u3092\u6301\u3064\u4eba\u7269\uff08PEP\uff09\u306a\u3069\u3001\u9ad8\u30ea\u30b9\u30af\u30d7\u30ed\u30d5\u30a1\u30a4\u30eb\u306e\u8907\u96d1\u306a\u72b6\u6cc1\u306b\u5bfe\u5fdc\u3059\u308b\u305f\u3081\u306e\u30ed\u30fc\u30c9\u30de\u30c3\u30d7\u3067\u3059\u3002 <\/p>\n\n\n\n<p>\u3053\u306e\u30d7\u30ed\u30bb\u30b9\u306b\u306f\u3001\u9867\u5ba2\u306e\u8cc7\u91d1\u3068\u8cc7\u7523\u306e\u51fa\u6240\u306b\u95a2\u3059\u308b\u5305\u62ec\u7684\u306a\u8abf\u67fb\u304c\u542b\u307e\u308c\u3001\u305d\u306e\u3088\u3046\u306a\u30d3\u30b8\u30cd\u30b9\u95a2\u4fc2\u3092\u7dad\u6301\u3059\u308b\u305f\u3081\u306b\u306f\u7dbf\u5bc6\u306a\u6587\u66f8\u5316\u3068\u4e0a\u7d1a\u7ba1\u7406\u8077\u306e\u627f\u8a8d\u304c\u5fc5\u8981\u3068\u306a\u308a\u307e\u3059\u3002 <\/p>\n\n\n\n<p>EDD\u306f\u3001\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u3068\u30c6\u30ed\u8cc7\u91d1\u4f9b\u4e0e\u3068\u95d8\u3046\u3068\u3044\u3046\u63fa\u308b\u304e\u306a\u3044\u7d04\u675f\u3067\u3042\u308a\u3001\u53d6\u5f15\u95a2\u4fc2\u306e\u3042\u3089\u3086\u308b\u5074\u9762\u3092\u628a\u63e1\u3057\u3001\u76e3\u8996\u3059\u308b\u3053\u3068\u3092\u4fdd\u8a3c\u3057\u307e\u3059\u3002\u4f01\u696d\u306f\u7d76\u3048\u9593\u306a\u3044\u8b66\u6212\u3068\u7d99\u7d9a\u7684\u306a\u76e3\u8996\u3092\u901a\u3058\u3066\u3001\u7591\u308f\u3057\u3044\u6d3b\u52d5\u3092\u767a\u898b\u3057\u3001\u91d1\u878d\u72af\u7f6a\u306e\u6697\u3044\u5f71\u304b\u3089\u4e8b\u696d\u3092\u5b88\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"simplified-due-diligence\">\u7c21\u7d20\u5316\u3055\u308c\u305f\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9<\/h3>\n\n\n\n<p>\u4f4e\u30ea\u30b9\u30af\u306e\u9867\u5ba2\u3068\u3044\u3046\u7a4f\u3084\u304b\u306a\u74b0\u5883\u306b\u304a\u3044\u3066\u3001\u7c21\u6613\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\uff08SDD\uff09\u306f\u52b9\u7387\u7684\u306a\u898f\u5236\u9075\u5b88\u306e\u6307\u91dd\u3068\u306a\u308a\u307e\u3059\u3002SDD\u3092\u6d3b\u7528\u3059\u308b\u3053\u3068\u3067\u3001\u4f01\u696d\u306f\u4e0d\u5fc5\u8981\u306a\u30ea\u30bd\u30fc\u30b9\u3092\u8cbb\u3084\u3059\u3053\u3068\u306a\u304f\u5305\u62ec\u7684\u306a\u691c\u8a3c\u3092\u78ba\u5b9f\u306b\u5b9f\u65bd\u3057\u3001\u30d0\u30e9\u30f3\u30b9\u306e\u53d6\u308c\u305f\u5bfe\u5fdc\u3092\u5b9f\u73fe\u3067\u304d\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u4f4e\u30ea\u30b9\u30af\u306e\u30b7\u30ca\u30ea\u30aa\u5411\u3051\u306b\u30ab\u30b9\u30bf\u30de\u30a4\u30ba\u3055\u308c\u305f\u3053\u306e\u30a2\u30d7\u30ed\u30fc\u30c1\u306f\u3001\u9867\u5ba2\u304c\u898f\u5236\u4e0a\u306e\u8105\u5a01\u3092\u3082\u305f\u3089\u3055\u306a\u3044\u3053\u3068\u3092\u78ba\u8a8d\u3057\u3001\u5f37\u56fa\u306a\u4fe1\u983c\u306e\u57fa\u76e4\u3092\u69cb\u7bc9\u3057\u307e\u3059\u3002SDD\u3092\u901a\u3058\u3066\u3001\u4f01\u696d\u306f\u30a8\u30cd\u30eb\u30ae\u30fc\u3068\u30ea\u30bd\u30fc\u30b9\u3092\u6700\u3082\u91cd\u8981\u306a\u5206\u91ce\u3001\u3064\u307e\u308a\u6f5c\u5728\u7684\u30ea\u30b9\u30af\u306e\u3042\u308b\u9867\u5ba2\u3068\u9ad8\u30ea\u30b9\u30af\u306e\u9867\u5ba2\u306b\u96c6\u4e2d\u3055\u305b\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u7c21\u7d20\u5316\u3055\u308c\u305f\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u5bfe\u7b56\u306b\u3088\u308a\u3001\u7d44\u7e54\u306f\u9055\u6cd5\u884c\u70ba\u3084\u8a50\u6b3a\u884c\u70ba\u3092\u5fb9\u5e95\u7684\u306b\u9632\u6b62\u3057\u306a\u304c\u3089\u696d\u52d9\u3092\u52b9\u7387\u5316\u3067\u304d\u307e\u3059\u3002<\/p>\n\n\n\n<p><strong>\u8868: \u9867\u5ba2\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u306e\u7a2e\u985e\u306e\u6982\u8981<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>\u30bf\u30a4\u30d7<\/th><th>\u76ee\u7684<\/th><th>\u5bfe\u51e6\u3059\u3079\u304d\u30ea\u30b9\u30af\u30ec\u30d9\u30eb<\/th><th>\u4e3b\u306a\u30a2\u30af\u30b7\u30e7\u30f3<\/th><\/tr><tr><td><strong>\u6a19\u6e96\u7684\u306a\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9<\/strong><\/td><td>\u5e73\u5747\u30ea\u30b9\u30af\u306e\u9867\u5ba2\u306b\u5bfe\u3059\u308b\u5b9a\u671f\u7684\u306a\u30c1\u30a7\u30c3\u30af<\/td><td>\u5e73\u5747<\/td><td>\u672c\u4eba\u78ba\u8a8d\u3001\u53d6\u5f15\u306e\u76e3\u8996\u3001\u30d3\u30b8\u30cd\u30b9\u6d3b\u52d5\u306e\u8a55\u4fa1<\/td><\/tr><tr><td><strong>\u5f37\u5316\u3055\u308c\u305f\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9<\/strong><\/td><td>\u9ad8\u30ea\u30b9\u30af\u9867\u5ba2\u306b\u5bfe\u3059\u308b\u8a73\u7d30\u306a\u5206\u6790<\/td><td>\u9ad8\u3044<\/td><td>\u8cc7\u91d1\u6e90\u306e\u8abf\u67fb\u3001\u7d99\u7d9a\u7684\u306a\u76e3\u8996\u3001\u3084\u308a\u53d6\u308a\u306e\u6587\u66f8\u5316<\/td><\/tr><tr><td><strong>\u7c21\u7d20\u5316\u3055\u308c\u305f\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9<\/strong><\/td><td>\u4f4e\u30ea\u30b9\u30af\u9867\u5ba2\u5411\u3051\u306e\u57fa\u672c\u691c\u8a3c<\/td><td>\u4f4e\u3044<\/td><td>\u672c\u4eba\u78ba\u8a8d\u3068\u4fe1\u983c\u306e\u30d9\u30fc\u30b9\u30e9\u30a4\u30f3\u7dad\u6301<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u9867\u5ba2\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9 \u30c1\u30a7\u30c3\u30af\u30ea\u30b9\u30c8\u306e\u5404\u30b9\u30c6\u30c3\u30d7\u3092\u614e\u91cd\u306b\u5b9f\u884c\u3059\u308b\u3053\u3068\u3067\u3001\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u3068\u5b89\u5168\u6027\u306e\u539f\u52d5\u529b\u304c\u5f37\u5316\u3055\u308c\u3001\u6cd5\u7684\u8981\u4ef6\u3068\u91d1\u878d\u72af\u7f6a\u304b\u3089\u306e\u4fdd\u8b77\u306b\u5bfe\u3059\u308b\u71b1\u5fc3\u306a\u53d6\u308a\u7d44\u307f\u306e\u4e21\u65b9\u306b\u6e96\u62e0\u3057\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u306e\u30ea\u30b9\u30af\u3068\u306e\u6226\u3044\u306b\u304a\u3044\u3066\u3001\u3053\u306e\u52e4\u52c9\u3055\u306f\u5149\u308a\u8f1d\u304f\u93a7\u3068\u306a\u308a\u3001\u4f01\u696d\u3092\u5b88\u308a\u3001\u3042\u3089\u3086\u308b\u9867\u5ba2\u95a2\u4fc2\u306b\u304a\u3051\u308b\u4fe1\u983c\u3092\u5f37\u5316\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"risk-assessment-in-customer-due-diligence\">\u9867\u5ba2\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u306b\u304a\u3051\u308b\u30ea\u30b9\u30af\u8a55\u4fa1<\/h2>\n\n\n\n<p>\u7d76\u3048\u305a\u9032\u5316\u3059\u308b\u4e16\u754c\u306e\u91d1\u878d\u74b0\u5883\u306b\u304a\u3044\u3066\u3001\u9867\u5ba2\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9 (CDD) \u306f\u91d1\u878d\u72af\u7f6a\u3068\u6226\u3046\u5f37\u529b\u306a\u30c4\u30fc\u30eb\u3068\u3057\u3066\u6a5f\u80fd\u3057\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u6f5c\u5728\u9867\u5ba2\u306e\u8eab\u5143\u3068\u610f\u56f3\u3092\u6df1\u304f\u6398\u308a\u4e0b\u3052\u308b\u3053\u3068\u3067\u3001\u4f01\u696d\u306f\u900f\u660e\u6027\u306e\u3042\u308b\u5168\u4f53\u50cf\u3092\u660e\u3089\u304b\u306b\u3057\u3001\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u3084\u30c6\u30ed\u8cc7\u91d1\u4f9b\u4e0e\u306e\u30ea\u30b9\u30af\u3092\u6700\u5c0f\u9650\u306b\u6291\u3048\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002CDD\u30d7\u30ed\u30bb\u30b9\u306e\u6838\u5fc3\u306f\u3001\u9867\u5ba2\u306e\u884c\u52d5\u3092\u7406\u89e3\u3057\u3001\u30ea\u30b9\u30af\u30d7\u30ed\u30d5\u30a1\u30a4\u30eb\u3092\u8a55\u4fa1\u3059\u308b\u3053\u3068\u3067\u3042\u308a\u3001\u3053\u308c\u306f\u52b9\u679c\u7684\u306a\u30ea\u30b9\u30af\u7ba1\u7406\u306e\u91cd\u8981\u306a\u8981\u7d20\u3067\u3059\u3002 <\/p>\n\n\n\n<p>\u9ad8\u30ea\u30b9\u30af\u9867\u5ba2\u3078\u306e\u5bfe\u5fdc\u306b\u304a\u3044\u3066\u306f\u3001\u5f37\u5316\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\uff08EDD\uff09\u304c\u4e0d\u53ef\u6b20\u3068\u306a\u308a\u307e\u3059\u3002EDD\u306f\u3001\u9867\u5ba2\u306e\u6d3b\u52d5\u306b\u95a2\u9023\u3059\u308b\u30ea\u30b9\u30af\u3092\u8efd\u6e1b\u3059\u308b\u305f\u3081\u306e\u8ffd\u52a0\u7684\u306a\u60c5\u5831\u3092\u63d0\u4f9b\u3057\u307e\u3059\u3002\u3057\u304b\u3057\u3001CDD\u306f\u521d\u671f\u30c1\u30a7\u30c3\u30af\u3067\u7d42\u308f\u308b\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u7d99\u7d9a\u7684\u306a\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u306b\u3088\u308a\u3001\u7279\u306b\u91cd\u5927\u306a\u5909\u66f4\u304c\u3042\u3063\u305f\u5834\u5408\u306b\u306f\u3001\u9867\u5ba2\u306e\u30ea\u30b9\u30af\u30d7\u30ed\u30d5\u30a1\u30a4\u30eb\u304c\u7d99\u7d9a\u7684\u306b\u30ec\u30d3\u30e5\u30fc\u3055\u308c\u3001\u66f4\u65b0\u3055\u308c\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u3053\u306e\u7a4d\u6975\u7684\u306a\u8b66\u6212\u306f\u3001\u6f5c\u5728\u7684\u306a\u30ea\u30b9\u30af\u3092\u7ba1\u7406\u3057\u3001\u30d3\u30b8\u30cd\u30b9\u95a2\u4fc2\u306e\u5b8c\u5168\u6027\u3092\u4fdd\u8b77\u3059\u308b\u305f\u3081\u306e\u9375\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"evaluating-customer-risk-levels\">\u9867\u5ba2\u30ea\u30b9\u30af\u30ec\u30d9\u30eb\u306e\u8a55\u4fa1<\/h3>\n\n\n\n<p>\u5fb9\u5e95\u3057\u305f\u9867\u5ba2\u30ea\u30b9\u30af\u8a55\u4fa1\u306e\u5b9f\u65bd\u306f\u3001CDD\u30d7\u30ed\u30bb\u30b9\u306e\u57fa\u672c\u3067\u3059\u3002\u4f01\u696d\u306f\u3001\u9867\u5ba2\u306e\u30ea\u30b9\u30af\u30ec\u30d9\u30eb\u3092\u628a\u63e1\u3059\u308b\u305f\u3081\u306b\u3001\u5730\u7406\u7684\u306a\u4f4d\u7f6e\u3001\u696d\u7a2e\u3001\u8ca1\u52d9\u72b6\u6cc1\u3068\u3044\u3063\u305f\u8981\u7d20\u3092\u8003\u616e\u3057\u3066\u9867\u5ba2\u3092\u8a55\u4fa1\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u9867\u5ba2\u306f\u3001\u4f4e\u30ea\u30b9\u30af\u3001\u4e2d\u30ea\u30b9\u30af\u3001\u9ad8\u30ea\u30b9\u30af\u306e3\u3064\u306e\u30ab\u30c6\u30b4\u30ea\u30fc\u306b\u660e\u78ba\u306b\u5206\u985e\u3055\u308c\u3001\u9069\u7528\u3055\u308c\u308b\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u306e\u6df1\u3055\u306b\u76f4\u63a5\u5f71\u97ff\u3092\u53ca\u307c\u3057\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u9ad8\u30ea\u30b9\u30af\u306e\u9867\u5ba2\u306e\u5834\u5408\u3001\u5f37\u5316\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9 (EDD) \u3067\u306f\u3001\u8cc7\u91d1\u3068\u5bcc\u306e\u51fa\u6240\u306b\u95a2\u3059\u308b\u60c5\u5831\u3092\u5fb9\u5e95\u7684\u306b\u53ce\u96c6\u3059\u308b\u3068\u3068\u3082\u306b\u3001\u3053\u306e\u3088\u3046\u306a\u6a5f\u5bc6\u6027\u306e\u9ad8\u3044\u95a2\u4fc2\u3092\u69cb\u7bc9\u3059\u308b\u305f\u3081\u306b\u4e0a\u7d1a\u7ba1\u7406\u8077\u306e\u627f\u8a8d\u3092\u5f97\u308b\u3053\u3068\u304c\u6c42\u3081\u3089\u308c\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u9867\u5ba2\u306e\u53d6\u5f15\u3084\u6d3b\u52d5\u3092\u7d99\u7d9a\u7684\u306b\u76e3\u8996\u3059\u308b\u3053\u3068\u306f\u3001\u9867\u5ba2\u306e\u30ea\u30b9\u30af\u30d7\u30ed\u30d5\u30a1\u30a4\u30eb\u306e\u5909\u5316\u3092\u793a\u5506\u3059\u308b\u4e0d\u4e00\u81f4\u3084\u4e0d\u5be9\u306a\u6d3b\u52d5\u3092\u767a\u898b\u3059\u308b\u4e0a\u3067\u975e\u5e38\u306b\u91cd\u8981\u3067\u3059\u3002\u3055\u3089\u306b\u3001\u30ea\u30b9\u30af\u8a55\u4fa1\u30d7\u30ed\u30bb\u30b9\u4e2d\u306b\u5236\u88c1\u5bfe\u8c61\u8005\u30ea\u30b9\u30c8\u3092\u30ec\u30d3\u30e5\u30fc\u3059\u308b\u3053\u3068\u3067\u3001\u4f01\u696d\u306f\u5236\u88c1\u5bfe\u8c61\u8005\u3068\u306e\u53d6\u5f15\u3092\u56de\u907f\u3057\u3001\u6f5c\u5728\u7684\u306a\u6cd5\u7684\u304a\u3088\u3073\u8ca1\u52d9\u7684\u5f71\u97ff\u3092\u6700\u5c0f\u9650\u306b\u6291\u3048\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"identifying-politically-exposed-persons-pe-ps\">\u653f\u6cbb\u7684\u306b\u91cd\u8981\u306a\u4eba\u7269\uff08PEP\uff09\u306e\u7279\u5b9a<\/h3>\n\n\n\n<p>\u91cd\u8981\u306a\u516c\u7684\u5730\u4f4d\u3092\u6301\u3064\u4eba\u7269 (PEP) \u3068\u95a2\u308f\u308b\u5834\u5408\u306f\u3001\u53b3\u91cd\u306a\u8b66\u6212\u3068\u9867\u5ba2\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9 (CDD) \u63aa\u7f6e\u306e\u6226\u7565\u7684\u306a\u9069\u7528\u304c\u5fc5\u8981\u3067\u3059\u3002 <\/p>\n\n\n\n<p>PEP\uff08\u91cd\u8981\u4eba\u7269\uff09\u3068\u306f\u3001\u91cd\u8981\u306a\u516c\u8077\u306b\u5c31\u3044\u3066\u3044\u308b\u3001\u307e\u305f\u306f\u904e\u53bb\u306b\u5c31\u3044\u3066\u3044\u305f\u4eba\u7269\u3067\u3042\u308a\u3001\u305d\u306e\u6f5c\u5728\u7684\u306a\u653f\u6cbb\u7684\u5f71\u97ff\u529b\u306b\u3088\u308a\u3001\u672c\u8cea\u7684\u306b\u9ad8\u3044\u30ea\u30b9\u30af\u3092\u8ca0\u3063\u3066\u3044\u307e\u3059\u3002\u5f7c\u3089\u306e\u5bcc\u3068\u8cc7\u91d1\u306e\u6e90\u6cc9\u3092\u7406\u89e3\u3059\u308b\u3053\u3068\u306f\u3001\u30d3\u30b8\u30cd\u30b9\u95a2\u4fc2\u3092\u69cb\u7bc9\u3059\u308b\u969b\u306b\u95a2\u9023\u3059\u308b\u30ea\u30b9\u30af\u3092\u8a55\u4fa1\u3059\u308b\u4e0a\u3067\u975e\u5e38\u306b\u91cd\u8981\u306b\u306a\u308a\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u7d99\u7d9a\u7684\u306a\u76e3\u8996\u306f\u4e0d\u53ef\u6b20\u3067\u3042\u308a\u3001\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u3092\u78ba\u4fdd\u3057\u3001\u653f\u6cbb\u7684\u3064\u306a\u304c\u308a\u306b\u95a2\u9023\u3059\u308b\u6f5c\u5728\u7684\u306a\u30ea\u30b9\u30af\u3092\u8efd\u6e1b\u3059\u308bCDD\u63aa\u7f6e\u3068\u3057\u3066\u6a5f\u80fd\u3057\u307e\u3059\u3002PEP\uff08\u91cd\u8981\u4eba\u7269\uff09\u306e\u7279\u5b9a\u306f\u3001\u7279\u306b\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u3084\u30c6\u30ed\u8cc7\u91d1\u4f9b\u4e0e\u6d3b\u52d5\u306b\u95a2\u3057\u3066\u3001\u653f\u6cbb\u7684\u5f71\u97ff\u529b\u306b\u95a2\u9023\u3059\u308b\u6f5c\u5728\u7684\u306a\u30ea\u30b9\u30af\u3092\u8a55\u4fa1\u3059\u308b\u4e0a\u3067\u91cd\u8981\u3067\u3059\u3002 <\/p>\n\n\n\n<p>PEP \u306e\u3088\u3046\u306a\u9ad8\u30ea\u30b9\u30af \u30d7\u30ed\u30d5\u30a1\u30a4\u30eb\u306e\u5834\u5408\u3001\u5f37\u5316\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9 (EDD) \u3067\u306f\u3001\u500b\u4eba\u3001\u8ca1\u52d9\u3001\u30d3\u30b8\u30cd\u30b9\u306e\u80cc\u666f\u3092\u5fb9\u5e95\u7684\u306b\u8abf\u67fb\u3059\u308b\u3068\u3068\u3082\u306b\u3001\u9032\u5316\u3059\u308b\u30ea\u30b9\u30af\u306b\u9069\u5fdc\u3059\u308b\u305f\u3081\u306b\u60c5\u5831\u3092\u5b9a\u671f\u7684\u306b\u66f4\u65b0\u3059\u308b\u3053\u3068\u304c\u6c42\u3081\u3089\u308c\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"using-risk-based-approaches\">\u30ea\u30b9\u30af\u30d9\u30fc\u30b9\u306e\u30a2\u30d7\u30ed\u30fc\u30c1\u306e\u4f7f\u7528<\/h3>\n\n\n\n<p>\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u5bfe\u7b56\u306e\u5206\u91ce\u3067\u306f\u3001\u9867\u5ba2\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u306b\u304a\u3051\u308b\u30ea\u30b9\u30af\u30d9\u30fc\u30b9\u30a2\u30d7\u30ed\u30fc\u30c1 (RBA) \u306b\u3088\u308a\u3001\u91d1\u878d\u72af\u7f6a\u30ea\u30b9\u30af\u304c\u73fe\u5b9f\u5316\u3059\u308b\u524d\u306b\u4e88\u6e2c\u3057\u3066\u5bfe\u51e6\u3059\u308b\u7a4d\u6975\u7684\u306a\u59ff\u52e2\u304c\u63d0\u4f9b\u3055\u308c\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u9867\u5ba2\u3092\u4f4e\u3001\u4e2d\u3001\u9ad8\u30ea\u30b9\u30af\u306b\u5206\u985e\u3059\u308b\u3053\u3068\u3067\u3001\u4f01\u696d\u306f\u8a55\u4fa1\u3055\u308c\u305f\u30ea\u30b9\u30af \u30ec\u30d9\u30eb\u306b\u5fdc\u3058\u3066\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u5bfe\u7b56\u3092\u8abf\u6574\u3057\u3001\u6700\u3082\u5fc5\u8981\u306a\u5834\u6240\u306b\u30ea\u30bd\u30fc\u30b9\u3092\u52b9\u679c\u7684\u306b\u5272\u308a\u5f53\u3066\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u30ea\u30b9\u30af\u30d9\u30fc\u30b9\u306e\u30a2\u30d7\u30ed\u30fc\u30c1\u3092\u9075\u5b88\u3059\u308b\u306b\u306f\u3001\u9867\u5ba2\u306e\u30ea\u30b9\u30af\u30d7\u30ed\u30d5\u30a1\u30a4\u30eb\u3092\u5909\u5316\u3055\u305b\u308b\u53ef\u80fd\u6027\u306e\u3042\u308b\u4e0d\u4e00\u81f4\u3084\u4e0d\u5be9\u306a\u884c\u52d5\u3092\u691c\u77e5\u3059\u308b\u305f\u3081\u306b\u3001\u9867\u5ba2\u306e\u6d3b\u52d5\u3092\u7d99\u7d9a\u7684\u306b\u76e3\u8996\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u9ad8\u30ea\u30b9\u30af\u306e\u9867\u5ba2\u306b\u306f\u3001\u30ea\u30b9\u30af\u3092\u52b9\u679c\u7684\u306b\u8efd\u6e1b\u3059\u308b\u305f\u3081\u306b\u3001\u9867\u5ba2\u306e\u884c\u52d5\u3092\u3088\u308a\u6df1\u304f\u7406\u89e3\u3059\u308b\u3053\u3068\u3092\u6c42\u3081\u308b\u5f37\u5316\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\uff08EDD\uff09\u304c\u5fc5\u8981\u3067\u3059\u3002 <\/p>\n\n\n\n<p>\u30ea\u30b9\u30af\u30d9\u30fc\u30b9\u306e\u30a2\u30d7\u30ed\u30fc\u30c1\u306e\u67d4\u8edf\u6027\u306b\u3088\u308a\u3001\u4f01\u696d\u306f\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u5bfe\u7b56\u30d5\u30ec\u30fc\u30e0\u30ef\u30fc\u30af\u5185\u3067\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u5bfe\u7b56\u3092\u30ab\u30b9\u30bf\u30de\u30a4\u30ba\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u3001\u7279\u5b9a\u306e\u30d3\u30b8\u30cd\u30b9\u30cb\u30fc\u30ba\u306b\u5408\u81f4\u3059\u308b\u3060\u3051\u3067\u306a\u304f\u3001\u3059\u3079\u3066\u306e\u898f\u5236\u8981\u4ef6\u3092\u6e80\u305f\u3059\u3053\u3068\u3082\u4fdd\u8a3c\u3055\u308c\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u3053\u306e\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u5bfe\u7b56\u306e\u6226\u7565\u7684\u306a\u8abf\u6574\u306b\u3088\u308a\u3001\u4f01\u696d\u306f\u9032\u5316\u3057\u7d9a\u3051\u308b\u8105\u5a01\u306b\u5bfe\u3057\u3066\u56de\u5fa9\u529b\u3068\u5b89\u5168\u6027\u3092\u7dad\u6301\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"practical-implementation-strategies\">\u5b9f\u8df5\u7684\u306a\u5b9f\u88c5\u6226\u7565<\/h2>\n\n\n\n<p>\u8ca1\u52d9\u7ba1\u7406\u306e\u5206\u91ce\u3067\u306f\u3001\u91d1\u878d\u72af\u7f6a\u3084\u4e0d\u6b63\u884c\u70ba\u3068\u306e\u6226\u3044\u306f\u5bb9\u8d66\u306a\u304f\u3001\u63fa\u308b\u304e\u306a\u3044\u8b66\u6212\u3068\u5f37\u56fa\u306a\u6226\u7565\u7684\u67a0\u7d44\u307f\u304c\u6c42\u3081\u3089\u308c\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u9867\u5ba2\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9 (CDD) \u306b\u5bfe\u3059\u308b\u30ea\u30b9\u30af\u30d9\u30fc\u30b9\u306e\u30a2\u30d7\u30ed\u30fc\u30c1\u3092\u5b9f\u88c5\u3059\u308b\u3053\u3068\u306f\u3001\u5358\u306a\u308b\u898f\u5236\u4e0a\u306e\u8981\u4ef6\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u7d44\u7e54\u304c\u7279\u5b9a\u306e\u72b6\u6cc1\u306b\u5408\u308f\u305b\u3066\u30ea\u30b9\u30af\u7ba1\u7406\u3092\u8abf\u6574\u3067\u304d\u308b\u3088\u3046\u306b\u3059\u308b\u5f37\u529b\u306a\u6226\u7565\u3067\u3059\u3002 <\/p>\n\n\n\n<p>\u3053\u306e\u30d1\u30fc\u30bd\u30ca\u30e9\u30a4\u30bc\u30fc\u30b7\u30e7\u30f3\u306b\u3088\u308a\u3001\u30aa\u30f3\u30dc\u30fc\u30c7\u30a3\u30f3\u30b0\u306e\u30b9\u30d4\u30fc\u30c9\u3068\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9 \u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u306e\u4e21\u65b9\u304c\u5411\u4e0a\u3057\u3001\u6f5c\u5728\u7684\u306a\u30ea\u30b9\u30af\u306b\u5bfe\u3059\u308b\u8b66\u6212\u3092\u78ba\u4fdd\u3057\u306a\u304c\u3089\u9867\u5ba2\u95a2\u4fc2\u306e\u30b7\u30fc\u30e0\u30ec\u30b9\u306a\u6d41\u308c\u304c\u751f\u307e\u308c\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u7d99\u7d9a\u7684\u306a\u76e3\u8996\u3068\u9867\u5ba2\u30d7\u30ed\u30d5\u30a1\u30a4\u30eb\u3078\u306e\u5b9a\u671f\u7684\u306a\u66f4\u65b0\u3092\u7d71\u5408\u3059\u308b\u3053\u3068\u3067\u3001\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u5bfe\u7b56\u306f\u3088\u308a\u5f37\u529b\u306b\u306a\u308a\u307e\u3059\u3002\u306a\u305c\u3067\u3057\u3087\u3046\u304b\uff1f\u305d\u308c\u306f\u3001\u6b63\u78ba\u3067\u6700\u65b0\u306e\u60c5\u5831\u304c\u3001\u7591\u308f\u3057\u3044\u6d3b\u52d5\u306b\u5bfe\u3059\u308b\u79c1\u305f\u3061\u306e\u7b2c\u4e00\u306e\u9632\u5fa1\u7dda\u3060\u304b\u3089\u3067\u3059\u3002 <\/p>\n\n\n\n<p>\u53d6\u5f15\u306e\u3057\u304d\u3044\u5024\u3092\u81ea\u52d5\u3067\u30a2\u30e9\u30fc\u30c8\u3057\u3001\u5373\u5ea7\u306b\u5bfe\u5fdc\u3067\u304d\u308b\u3088\u3046\u306b\u6e96\u5099\u3057\u3001\u5b9a\u671f\u7684\u306a\u30ec\u30d3\u30e5\u30fc\u306b\u3088\u3063\u3066\u9867\u5ba2\u30d7\u30ed\u30d5\u30a1\u30a4\u30eb\u3092\u6700\u65b0\u304b\u3064\u6b63\u78ba\u306b\u4fdd\u3064\u3053\u3068\u3092\u60f3\u50cf\u3057\u3066\u307f\u3066\u304f\u3060\u3055\u3044\u3002\u3053\u308c\u3089\u306e\u52d5\u7684\u306a\u30c4\u30fc\u30eb\u306fCDD\u30d7\u30ed\u30bb\u30b9\u3092\u5f37\u5316\u3057\u3001\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u3084\u8a50\u6b3a\u3068\u306e\u7d76\u3048\u9593\u306a\u3044\u6226\u3044\u306b\u304a\u3051\u308b\u5f37\u529b\u306a\u5473\u65b9\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u5f53\u793e\u306e\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9 \u30d7\u30ed\u30bb\u30b9\u3092\u30d9\u30b9\u30c8 \u30d7\u30e9\u30af\u30c6\u30a3\u30b9\u306b\u5408\u308f\u305b\u308b\u3068\u3044\u3046\u3053\u3068\u306f\u3001\u5b9f\u7528\u7684\u306a\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u6226\u7565\u306e\u6d17\u7df4\u6027\u3068\u81ea\u52d5\u691c\u8a3c\u306e\u52b9\u7387\u6027\u3092\u7d71\u5408\u3059\u308b\u3053\u3068\u3092\u610f\u5473\u3057\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u3053\u308c\u3089\u306e\u6226\u7565\u3092\u6d3b\u7528\u3059\u308b\u3053\u3068\u3067\u3001\u9867\u5ba2\u306e\u30a2\u30a4\u30c7\u30f3\u30c6\u30a3\u30c6\u30a3\u3068\u3044\u3046\u8b0e\u304c\u89e3\u304d\u660e\u304b\u3055\u308c\u3001\u52b9\u7387\u6027\u306e\u5411\u4e0a\u3068\u30ea\u30b9\u30af\u306e\u6700\u5c0f\u5316\u304c\u5b9f\u73fe\u3057\u307e\u3059\u3002\u3053\u308c\u306f\u5358\u306a\u308b\u6226\u7565\u3067\u306f\u306a\u304f\u3001\u30d9\u30b9\u30c8\u30d7\u30e9\u30af\u30c6\u30a3\u30b9\u3092\u5b9f\u8df5\u3059\u308b\u3053\u3068\u3067\u3001\u3042\u3089\u3086\u308b\u30d3\u30b8\u30cd\u30b9\u95a2\u4fc2\u306b\u304a\u3044\u3066\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u306e\u30ea\u30b9\u30af\u3092\u78ba\u5b9f\u306b\u9632\u3050\u3053\u3068\u306b\u3064\u306a\u304c\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"developing-a-robust-cdd-checklist\">\u5805\u7262\u306aCDD\u30c1\u30a7\u30c3\u30af\u30ea\u30b9\u30c8\u306e\u958b\u767a<\/h3>\n\n\n\n<p>\u5805\u7262\u306a\u9867\u5ba2\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9 \u30c1\u30a7\u30c3\u30af\u30ea\u30b9\u30c8\u306f\u3001\u898f\u5236\u9075\u5b88\u306e\u30d0\u30c3\u30af\u30dc\u30fc\u30f3\u3067\u3042\u308a\u3001\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9 \u30d7\u30ed\u30bb\u30b9\u306e\u5404\u5fc5\u8981\u306a\u30b9\u30c6\u30c3\u30d7\u3092\u901a\u3058\u3066\u4f01\u696d\u3092\u5c0e\u304f\u6226\u7565\u7684\u306b\u4f5c\u6210\u3055\u308c\u305f\u30c4\u30fc\u30eb\u3067\u3059\u3002 <\/p>\n\n\n\n<p>\u5305\u62ec\u7684\u306a\u30c1\u30a7\u30c3\u30af\u30ea\u30b9\u30c8\u306f\u3001\u8eab\u5206\u8a3c\u660e\u66f8\u306e\u78ba\u8a8d\u3084\u9867\u5ba2\u30ea\u30b9\u30af \u30d7\u30ed\u30d5\u30a1\u30a4\u30eb\u306e\u8a55\u4fa1\u306a\u3069\u306e\u91cd\u8981\u306a\u8981\u7d20\u3092\u542b\u307f\u3001\u5305\u62ec\u7684\u304b\u3064\u6b63\u78ba\u3067\u3059\u3002 <\/p>\n\n\n\n<p>\u9867\u5ba2\u95a2\u4fc2\u3092\u7d99\u7d9a\u7684\u306b\u76e3\u8996\u3059\u308b\u3053\u3068\u3067\u3001\u8b66\u6212\u3092\u6020\u3089\u305a\u306b\u9ad8\u30ea\u30b9\u30af\u306e\u9867\u5ba2\u3092\u7279\u5b9a\u3059\u308b\u3053\u3068\u304c\u91cd\u8981\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u898f\u5236\u8981\u4ef6\u306e\u7fa9\u52d9\u306f\u660e\u78ba\u3067\u3059\u3002\u7591\u308f\u3057\u3044\u6d3b\u52d5\u3092\u898b\u9003\u3055\u306a\u3044\u3088\u3046\u306b\u3001\u91d1\u878d\u53d6\u5f15\u306b\u7d30\u5fc3\u306e\u6ce8\u610f\u3092\u6255\u3044\u306a\u304c\u3089\u3001\u30d3\u30b8\u30cd\u30b9\u95a2\u4fc2\u306e\u7d99\u7d9a\u7684\u306a\u76e3\u8996\u3092\u512a\u5148\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u904e\u53bb\u306e\u63a5\u89e6\u306e\u9375\u3068\u306a\u308bCDD\u6587\u66f8\u306f\u3001\u6700\u4f4e5\u5e74\u9593\u4fdd\u7ba1\u3055\u308c\u3001\u8aac\u660e\u8cac\u4efb\u306e\u907a\u7523\u3068\u3057\u3066\u53d7\u3051\u7d99\u304c\u308c\u307e\u3059\u3002\u3055\u3089\u306b\u3001\u653f\u6cbb\u7684\u306b\u91cd\u8981\u306a\u4eba\u7269\uff08PEP\uff09\u3084\u8b66\u6212\u30ec\u30d9\u30eb\u306e\u9ad8\u3044\u56fd\u306a\u3069\u3001\u30ea\u30b9\u30af\u306e\u9ad8\u3044\u72b6\u6cc1\u306b\u304a\u3044\u3066\u306f\u3001\u5f37\u5316\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\uff08EDD\uff09\u63aa\u7f6e\u304c\u6ce8\u76ee\u3055\u308c\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u5f37\u56fa\u306a\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5bfe\u7b56\u306e\u5c0e\u5165\u306f\u4e0d\u53ef\u6b20\u3067\u3059\u3002\u9867\u5ba2\u60c5\u5831\u306e\u6a5f\u5bc6\u6027\u306f\u8efd\u8996\u3067\u304d\u307e\u305b\u3093\u3002\u9069\u5207\u306a\u4fdd\u8b77\u5bfe\u7b56\u3092\u8b1b\u3058\u306a\u3051\u308c\u3070\u3001\u91d1\u92ad\u7684\u640d\u5931\u3084\u9ad8\u984d\u306a\u898f\u5236\u9055\u53cd\u306b\u3064\u306a\u304c\u308b\u53ef\u80fd\u6027\u306e\u3042\u308b\u60c5\u5831\u6f0f\u6d29\u306e\u30ea\u30b9\u30af\u304c\u3042\u308a\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u3053\u306e\u30c7\u30fc\u30bf\u3092\u4fdd\u8b77\u3059\u308b\u3053\u3068\u306f\u3001\u5358\u306a\u308b\u826f\u3044\u7fd2\u6163\u3067\u306f\u306a\u304f\u3001\u71b1\u610f\u3068\u6b63\u78ba\u3055\u3092\u6301\u3063\u3066\u6cd5\u7684\u8981\u4ef6\u3092\u6e80\u305f\u3059\u305f\u3081\u306e\u57fa\u672c\u7684\u306a\u90e8\u5206\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"steps-for-verifying-identities\">\u672c\u4eba\u78ba\u8a8d\u306e\u624b\u9806<\/h3>\n\n\n\n<p>\u672c\u4eba\u78ba\u8a8d\u306fCDD\u306e\u57fa\u76e4\u3067\u3059\u3002\u305d\u308c\u306f\u3001\u500b\u4eba\u30c7\u30fc\u30bf\u3001\u4e8b\u696d\u95a2\u4fc2\u3001\u53d6\u5f15\u884c\u52d5\u3068\u3044\u3063\u305f\u95a2\u9023\u60c5\u5831\u306e\u5fb9\u5e95\u7684\u306a\u53ce\u96c6\u304b\u3089\u59cb\u307e\u308a\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u3053\u306e\u5305\u62ec\u7684\u306a\u8996\u70b9\u306f\u3001\u6f5c\u5728\u9867\u5ba2\u3068\u306e\u53d6\u5f15\u306e\u6027\u8cea\u3068\u76ee\u7684\u3092\u7406\u89e3\u3059\u308b\u306e\u306b\u5f79\u7acb\u3061\u307e\u3059\u3002\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u30c1\u30a7\u30c3\u30af\u30ea\u30b9\u30c8\u3092\u6d3b\u7528\u3059\u308b\u3053\u3068\u3067\u3001\u3053\u306e\u30d7\u30ed\u30bb\u30b9\u304c\u7c21\u7d20\u5316\u3055\u308c\u3001\u91cd\u8981\u306a\u898f\u5236\u8981\u4ef6\u3092\u6b63\u78ba\u304b\u3064\u614e\u91cd\u306b\u6e80\u305f\u3059\u3053\u3068\u304c\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u3053\u306e\u53d6\u308a\u7d44\u307f\u3067\u306f\u3001\u591a\u304f\u306e\u5834\u5408\u3001\u30d1\u30b9\u30dd\u30fc\u30c8\u3084\u516c\u5171\u6599\u91d1\u306e\u8acb\u6c42\u66f8\u306a\u3069\u306e\u6587\u66f8\u691c\u8a3c\u3068\u3001\u751f\u4f53\u8a8d\u8a3c\u3084\u53d7\u52d5\u7684\u306a\u751f\u4f53\u691c\u51fa\u306a\u3069\u306e\u9ad8\u5ea6\u306a\u30c4\u30fc\u30eb\u304c\u7d44\u307f\u5408\u308f\u3055\u308c\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u3053\u308c\u3089\u306e\u968e\u5c64\u5316\u3055\u308c\u305f\u9632\u5fa1\u306b\u3088\u308a\u3001\u4e3b\u5f35\u3055\u308c\u305f\u8eab\u5143\u304c\u672c\u7269\u3067\u3042\u308b\u3053\u3068\u304c\u4fdd\u8a3c\u3055\u308c\u3001\u91d1\u878d\u72af\u7f6a\u304b\u3089\u30b7\u30b9\u30c6\u30e0\u304c\u4fdd\u8b77\u3055\u308c\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u3055\u3089\u306b\u3001\u672c\u4eba\u78ba\u8a8d\u6bb5\u968e\u3067\u306e\u5236\u88c1\u5bfe\u8c61\u30ea\u30b9\u30c8\u306e\u78ba\u8a8d\u306f\u5fc5\u9808\u3067\u3059\u3002\u5236\u88c1\u5bfe\u8c61\u8005\u3092\u7279\u5b9a\u3067\u304d\u306a\u3044\u5834\u5408\u3001\u591a\u984d\u306e\u7f70\u91d1\u3084\u7f9e\u6065\u5fc3\u3092\u62db\u304f\u53ef\u80fd\u6027\u304c\u3042\u308a\u3001\u4e0d\u6b63\u884c\u70ba\u8005\u304c\u5f53\u793e\u306e\u9632\u5fa1\u3092\u7a81\u7834\u3059\u308b\u524d\u306b\u6458\u767a\u3059\u308b\u3068\u3044\u3046\u5f53\u793e\u306e\u53d6\u308a\u7d44\u307f\u306b\u304a\u3044\u3066\u3001\u5927\u304d\u306a\u640d\u5931\u3068\u306a\u308b\u5931\u7b56\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"conducting-sanction-checks\">\u5236\u88c1\u30c1\u30a7\u30c3\u30af\u306e\u5b9f\u65bd<\/h3>\n\n\n\n<p>\u5236\u88c1\u30c1\u30a7\u30c3\u30af\u306f CDD \u6a5f\u69cb\u306e\u91cd\u8981\u306a\u6b6f\u8eca\u3067\u3042\u308a\u3001\u72af\u7f6a\u884c\u70ba\u306b\u95a2\u4e0e\u3057\u3066\u3044\u308b\u7d44\u7e54\u3084\u5236\u88c1\u3092\u53d7\u3051\u3066\u3044\u308b\u7d44\u7e54\u3068\u306e\u95a2\u308f\u308a\u304c\u306a\u3044\u3088\u3046\u306b\u4f11\u307f\u306a\u304f\u50cd\u3044\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u5f37\u5316\u3055\u308c\u305f\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u3067\u306f\u3001\u53d6\u5f15\u306e\u80cc\u666f\u3068\u76ee\u7684\u3092\u5fb9\u5e95\u7684\u306b\u8abf\u67fb\u3057\u3001\u5236\u88c1\u5bfe\u8c61\u306e\u500b\u4eba\u307e\u305f\u306f\u56e3\u4f53\u3068\u306e\u3064\u306a\u304c\u308a\u3092\u89e3\u660e\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u306e\u4e2d\u6838\u3068\u306a\u308b\u3053\u306e\u30d7\u30ed\u30bb\u30b9\u306f\u3001\u4e16\u754c\u7684\u306a\u91d1\u878d\u6d3b\u52d5\u306e\u5f71\u306b\u6f5c\u3080\u91d1\u878d\u72af\u7f6a\u30ea\u30b9\u30af\u304b\u3089\u4fdd\u8b77\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u30d3\u30b8\u30cd\u30b9\u95a2\u4fc2\u306e\u5b9a\u671f\u7684\u306a\u7cbe\u67fb\u306f\u3001\u5b9a\u671f\u7684\u306a\u76e3\u8996\u306b\u7167\u3089\u3057\u5408\u308f\u305b\u3066\u3001\u610f\u56f3\u7684\u306b\u5236\u88c1\u30c1\u30a7\u30c3\u30af\u3092\u5b9f\u65bd\u3057\u3001\u30aa\u30f3\u30dc\u30fc\u30c7\u30a3\u30f3\u30b0\u5f8c\u306e\u7591\u308f\u3057\u3044\u53d6\u5f15\u3092\u7279\u5b9a\u3057\u3066\u8fc5\u901f\u306b\u5bfe\u5fdc\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u3053\u306e\u7d99\u7d9a\u6027\u306b\u3088\u308a\u3001\u5f53\u793e\u306e\u76e3\u8996\u306f\u5f37\u56fa\u304b\u3064\u4fe1\u983c\u3067\u304d\u308b\u3082\u306e\u3068\u306a\u308a\u3001\u9055\u6cd5\u884c\u70ba\u304b\u3089\u4fdd\u8b77\u3055\u308c\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"collecting-additional-customer-information\">\u8ffd\u52a0\u306e\u9867\u5ba2\u60c5\u5831\u306e\u53ce\u96c6<\/h3>\n\n\n\n<p>\u5305\u62ec\u7684\u306a\u9867\u5ba2\u8a73\u7d30\u60c5\u5831\u306e\u53ce\u96c6\u306f\u3001\u52b9\u679c\u7684\u306aCDD\u306e\u57fa\u76e4\u3068\u306a\u308a\u307e\u3059\u3002\u3053\u306e\u30d7\u30ed\u30bb\u30b9\u3067\u306f\u3001\u500b\u4eba\u60c5\u5831\u3092\u6398\u308a\u4e0b\u3052\u3001\u30d3\u30b8\u30cd\u30b9\u4e0a\u306e\u95a2\u4fc2\u6027\u3092\u7cbe\u67fb\u3057\u3001\u53d6\u5f15\u884c\u52d5\u3092\u30de\u30c3\u30d4\u30f3\u30b0\u3059\u308b\u3053\u3068\u3067\u3001\u5404\u30d3\u30b8\u30cd\u30b9\u95a2\u4fc2\u306e\u6027\u8cea\u3068\u76ee\u7684\u3092\u898b\u6975\u3081\u308b\u305f\u3081\u306b\u5fc5\u8981\u306a\u60c5\u5831\u304c\u5f97\u3089\u308c\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u3053\u306e\u30d7\u30ed\u30d5\u30a1\u30a4\u30eb\u3092\u4f5c\u6210\u3059\u308b\u3068\u3001\u5404\u9867\u5ba2\u306b\u95a2\u9023\u3059\u308b\u6f5c\u5728\u7684\u306a\u30ea\u30b9\u30af\u304c\u660e\u3089\u304b\u306b\u306a\u308a\u3001\u6f5c\u5728\u7684\u306a\u8106\u5f31\u6027\u306b\u3064\u3044\u3066\u306e\u6d1e\u5bdf\u304c\u5f97\u3089\u308c\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u9ad8\u30ea\u30b9\u30af\u30b7\u30ca\u30ea\u30aa\u3067\u306f\u3001\u5f37\u5316\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u306b\u3088\u308a\u3001\u3088\u308a\u8a73\u7d30\u306a\u8abf\u67fb\u304c\u7fa9\u52d9\u4ed8\u3051\u3089\u308c\u307e\u3059\u3002\u3053\u308c\u306b\u306f\u3001\u6c0f\u540d\u3001\u5225\u540d\u3001\u751f\u5e74\u6708\u65e5\u307e\u305f\u306f\u8a2d\u7acb\u5e74\u6708\u65e5\u3001\u56fd\u7c4d\u3001\u4f4f\u6240\u306b\u95a2\u3059\u308b\u6b63\u78ba\u306a\u30c7\u30fc\u30bf\u53ce\u96c6\u304c\u542b\u307e\u308c\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u8eab\u5143\u78ba\u8a8d\u306b\u52a0\u3048\u3066\u3001\u8cc7\u91d1\u6e90\u3092\u78ba\u8a8d\u3059\u308b\u3053\u3068\u304c\u6700\u3082\u91cd\u8981\u3067\u3042\u308a\u3001\u9867\u5ba2\u306e\u53ce\u5165\u307e\u305f\u306f\u53ce\u76ca\u6e90\u306e\u6b63\u5f53\u6027\u3092\u8a3c\u660e\u3059\u308b\u8a3c\u62e0\u3092\u78ba\u4fdd\u3059\u308b\u3053\u3068\u306f\u4e0d\u53ef\u6b20\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u9280\u884c\u306f\u3001\u3053\u306e\u81a8\u5927\u306a\u30c7\u30fc\u30bf\u3092\u7dbf\u5bc6\u306b\u5206\u6790\u3057\u3001\u900f\u660e\u6027\u3092\u78ba\u4fdd\u3057\u3066\u898f\u5236\u57fa\u6e96\u306b\u6e96\u62e0\u3057\u3001\u8a50\u6b3a\u30ea\u30b9\u30af\u306b\u5bfe\u3059\u308b\u9632\u5fa1\u7b56\u3092\u69cb\u7bc9\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u3053\u308c\u306f\u5358\u306a\u308b\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u3067\u306f\u306a\u304f\u3001\u3042\u3089\u3086\u308b\u91d1\u878d\u53d6\u5f15\u306b\u304a\u3044\u3066\u8aa0\u5b9f\u3055\u3092\u8cab\u304f\u63fa\u308b\u304e\u306a\u3044\u30b3\u30df\u30c3\u30c8\u30e1\u30f3\u30c8\u3067\u3059\u3002\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u30c1\u30a7\u30c3\u30af\u30ea\u30b9\u30c8\u306f\u3001\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u3068\u30d3\u30b8\u30cd\u30b9\u502b\u7406\u306e\u6700\u9ad8\u6c34\u6e96\u3092\u7dad\u6301\u3059\u308b\u3001\u63fa\u308b\u304e\u306a\u3044\u76e3\u8996\u5f79\u3068\u3057\u3066\u6a5f\u80fd\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"challenges-in-customer-due-diligence\">\u9867\u5ba2\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u306e\u8ab2\u984c<\/h2>\n\n\n\n<p>\u9867\u5ba2\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9 (CDD) \u306f\u3001\u4e16\u754c\u4e2d\u306e\u91d1\u878d\u6a5f\u95a2\u306e\u91d1\u878d\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306e\u57fa\u76e4\u3068\u306a\u308a\u3001\u91d1\u878d\u72af\u7f6a\u306e\u8105\u5a01\u306b\u5bfe\u3059\u308b\u91d1\u878d\u6a5f\u95a2\u306e\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3092\u5f37\u5316\u3057\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u3057\u304b\u3057\u3001\u3053\u306e\u91cd\u8981\u306a\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u30d7\u30ed\u30bb\u30b9\u306b\u306f\u6570\u591a\u304f\u306e\u8ab2\u984c\u304c\u3064\u304d\u307e\u3068\u3063\u3066\u304a\u308a\u3001\u7dbf\u5bc6\u306b\u5bfe\u51e6\u3057\u306a\u3051\u308c\u3070\u305d\u306e\u6709\u52b9\u6027\u304c\u640d\u306a\u308f\u308c\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002\u3053\u308c\u3089\u306e\u8ab2\u984c\u3092\u6df1\u304f\u6398\u308a\u4e0b\u3052\u3001\u305d\u306e\u5f71\u97ff\u3068\u3001\u305d\u308c\u3089\u3092\u3046\u307e\u304f\u4e57\u308a\u5207\u308b\u305f\u3081\u306b\u5fc5\u8981\u306a\u7a4d\u6975\u7684\u306a\u5bfe\u7b56\u3092\u7406\u89e3\u3057\u3066\u3044\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"managing-incomplete-information\">\u4e0d\u5b8c\u5168\u306a\u60c5\u5831\u306e\u7ba1\u7406<\/h3>\n\n\n\n<p>CDD\u306b\u304a\u3051\u308b\u6700\u3082\u56f0\u96e3\u306a\u8ab2\u984c\u306e\u4e00\u3064\u306f\u3001\u4e0d\u5b8c\u5168\u307e\u305f\u306f\u4e0d\u6b63\u78ba\u306a\u60c5\u5831\u3078\u306e\u5bfe\u5fdc\u3067\u3059\u3002\u3053\u306e\u30d7\u30ed\u30bb\u30b9\u306f\u3001\u6f5c\u5728\u9867\u5ba2\u304b\u3089\u53ce\u96c6\u3057\u305f\u30c7\u30fc\u30bf\u306e\u5b8c\u5168\u6027\u306b\u304b\u304b\u3063\u3066\u304a\u308a\u3001\u5c11\u3057\u3067\u3082\u4e0d\u5099\u304c\u3042\u308c\u3070\u3001\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u3084\u305d\u306e\u4ed6\u306e\u4e0d\u6b63\u884c\u70ba\u306e\u91cd\u5927\u306a\u30ea\u30b9\u30af\u306b\u3064\u306a\u304c\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u5de7\u5999\u306a\u4e0d\u6b63\u884c\u70ba\u8005\u306f\u3057\u3070\u3057\u3070\u91d1\u878d\u6d3b\u52d5\u3092\u96a0\u853d\u3059\u308b\u305f\u3081\u3001\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u30d7\u30ed\u30bb\u30b9\u3067\u306f\u3001\u30d3\u30b8\u30cd\u30b9\u95a2\u4fc2\u3068\u53d6\u5f15\u306e\u4e21\u65b9\u3092\u7d99\u7d9a\u7684\u306b\u76e3\u8996\u3057\u3001\u4e8b\u524d\u306b\u5b9a\u7fa9\u3055\u308c\u305f\u30ea\u30b9\u30af\u30d7\u30ed\u30d5\u30a1\u30a4\u30eb\u306b\u6e96\u62e0\u3057\u3066\u3044\u308b\u3053\u3068\u3092\u78ba\u8a8d\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u4e0d\u5b8c\u5168\u306a\u60c5\u5831\u3092\u52b9\u679c\u7684\u306b\u7ba1\u7406\u3059\u308b\u306b\u306f\u3001\u30ea\u30b9\u30af\u30d9\u30fc\u30b9\u306e\u30a2\u30d7\u30ed\u30fc\u30c1\u3092\u5c0e\u5165\u3059\u308b\u3053\u3068\u304c\u4e0d\u53ef\u6b20\u3067\u3059\u3002 <\/p>\n\n\n\n<p>\u9ad8\u30ea\u30b9\u30af\u9867\u5ba2\u306b\u30ea\u30bd\u30fc\u30b9\u3092\u96c6\u4e2d\u3055\u305b\u308b\u3053\u3068\u3067\u3001\u91d1\u878d\u6a5f\u95a2\u306f\u6f5c\u5728\u7684\u306a\u30ea\u30b9\u30af\u3092\u3088\u308a\u9069\u5207\u306b\u4e88\u6e2c\u3057\u3001\u3088\u308a\u53b3\u683c\u306a\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u63aa\u7f6e\u3092\u8b1b\u3058\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u5305\u62ec\u7684\u306a\u30ea\u30b9\u30af\u8a55\u4fa1\u306f\u4e0d\u53ef\u6b20\u3067\u3042\u308a\u3001\u9867\u5ba2\u306e\u4e8b\u696d\u6d3b\u52d5\u3068\u8ca1\u52d9\u72b6\u6cc1\u306b\u95a2\u3059\u308b\u8a73\u7d30\u306a\u77e5\u898b\u3092\u53ce\u96c6\u3059\u308b\u3053\u3068\u3067\u3001\u91d1\u878d\u6a5f\u95a2\u306e\u8106\u5f31\u6027\u3092\u60aa\u5316\u3055\u305b\u308b\u53ef\u80fd\u6027\u306e\u3042\u308b\u30ae\u30e3\u30c3\u30d7\u3092\u57cb\u3081\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"balancing-compliance-and-customer-experience\">\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u3068\u9867\u5ba2\u4f53\u9a13\u306e\u30d0\u30e9\u30f3\u30b9<\/h3>\n\n\n\n<p>\u91d1\u878d\u6a5f\u95a2\u306f\u3001\u6cd5\u4ee4\u9075\u5b88\u3068\u30ea\u30b9\u30af\u8efd\u6e1b\u3092\u8ffd\u6c42\u3059\u308b\u4e2d\u3067\u3001CDD \u306e\u53b3\u683c\u306a\u8981\u4ef6\u3068\u5b8c\u74a7\u306a\u9867\u5ba2\u4f53\u9a13\u3068\u306e\u30d0\u30e9\u30f3\u30b9\u3092\u53d6\u308a\u306a\u304c\u3089\u3001\u7db1\u6e21\u308a\u3092\u5f37\u3044\u3089\u308c\u308b\u3053\u3068\u304c\u3088\u304f\u3042\u308a\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u898f\u5236\u8981\u4ef6\u3092\u9075\u5b88\u3059\u308b\u305f\u3081\u306b\u7dbf\u5bc6\u306a\u76e3\u8996\u3092\u7dad\u6301\u3059\u308b\u3053\u3068\u306f\u4e0d\u53ef\u6b20\u3067\u3059\u304c\u3001\u30d7\u30ed\u30bb\u30b9\u304c\u9867\u5ba2\u3001\u7279\u306b\u4f4e\u30ea\u30b9\u30af\u306e\u9867\u5ba2\u306b\u8ca0\u62c5\u3092\u304b\u3051\u305f\u308a\u3001\u30a4\u30e9\u30a4\u30e9\u3055\u305b\u305f\u308a\u3057\u306a\u3044\u3088\u3046\u306b\u3059\u308b\u3053\u3068\u3082\u540c\u69d8\u306b\u91cd\u8981\u3067\u3059\u3002 <\/p>\n\n\n\n<p>\u4f53\u7cfb\u7684\u306a\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9 \u30d7\u30ed\u30b0\u30e9\u30e0\u306f\u3001\u9069\u5fdc\u6027\u3068\u62e1\u5f35\u6027\u3092\u63d0\u4f9b\u3057\u3001\u6f5c\u5728\u7684\u9867\u5ba2\u3084\u65e2\u5b58\u9867\u5ba2\u3068\u306e\u95a2\u4fc2\u3092\u640d\u306a\u3046\u3053\u3068\u306a\u304f\u7d99\u7d9a\u7684\u306a\u76e3\u8996\u3092\u53ef\u80fd\u306b\u3057\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u78ba\u7acb\u3055\u308c\u305f\u624b\u9806\u306b\u3088\u308b\u7d99\u7d9a\u7684\u306a\u76e3\u8996\u306b\u3088\u308a\u3001\u898f\u5236\u9075\u5b88\u3068\u9867\u5ba2\u3068\u306e\u6e80\u8db3\u306e\u3044\u304f\u3084\u308a\u53d6\u308a\u3092\u30b7\u30fc\u30e0\u30ec\u30b9\u306b\u7d44\u307f\u5408\u308f\u305b\u308b\u3053\u3068\u304c\u3067\u304d\u3001\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3068\u6e80\u8db3\u5ea6\u306e\u4e21\u65b9\u304c\u5411\u4e0a\u3057\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u9867\u5ba2\u4e2d\u5fc3\u306e\u30a2\u30d7\u30ed\u30fc\u30c1\u3092\u901a\u3058\u3066\u900f\u660e\u6027\u3092\u751f\u307f\u51fa\u3057\u3001\u4e0d\u5fc5\u8981\u306a\u969c\u58c1\u3092\u6700\u5c0f\u9650\u306b\u6291\u3048\u308b\u3053\u3068\u3067\u3001\u4f01\u696d\u306f\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u5bfe\u7b56\u3068\u9867\u5ba2\u6e80\u8db3\u306e\u8ffd\u6c42\u306e\u9593\u3067\u8abf\u548c\u306e\u3068\u308c\u305f\u30d0\u30e9\u30f3\u30b9\u3092\u5b9f\u73fe\u3067\u304d\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"keeping-up-with-regulatory-changes\">\u898f\u5236\u306e\u5909\u66f4\u306b\u5bfe\u5fdc\u3059\u308b<\/h3>\n\n\n\n<p>\u898f\u5236\u306f\u7d76\u3048\u305a\u5909\u5316\u3057\u3066\u304a\u308a\u3001CDD\u30d7\u30ed\u30bb\u30b9\u306f\u3088\u308a\u8907\u96d1\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u91d1\u878d\u6a5f\u95a2\u306f\u3001\u6700\u65b0\u306e\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u5bfe\u7b56\uff08AML\uff09\u304a\u3088\u3073\u30c6\u30ed\u8cc7\u91d1\u4f9b\u4e0e\u5bfe\u7b56\uff08CTF\uff09\u898f\u5236\u306b\u6e96\u62e0\u3059\u308b\u305f\u3081\u306b\u3001\u5e38\u306b\u624b\u9806\u3092\u66f4\u65b0\u30fb\u898b\u76f4\u3057\u3066\u3044\u304f\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u3053\u308c\u306b\u306f\u3001\u6700\u65b0\u306e\u5236\u88c1\u30ea\u30b9\u30c8\u3068\u91cd\u8981\u306a\u516c\u7684\u5730\u4f4d\u3092\u6301\u3064\u4eba\u7269 (PEP) \u30c7\u30fc\u30bf\u30d9\u30fc\u30b9\u3092\u7dad\u6301\u3057\u3001\u73fe\u5728\u306e\u6cd5\u6539\u6b63\u306b\u5408\u308f\u305b\u3066\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u3067\u8abf\u6574\u3059\u308b\u3053\u3068\u304c\u542b\u307e\u308c\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u5b9a\u671f\u7684\u306a\u30a2\u30c3\u30d7\u30c7\u30fc\u30c8\u3068\u30d9\u30b9\u30c8\u30d7\u30e9\u30af\u30c6\u30a3\u30b9\u306e\u9075\u5b88\u306b\u3088\u308a\u3001\u9867\u5ba2\u306e\u8eab\u5143\u304c\u6b63\u78ba\u306b\u78ba\u8a8d\u3055\u308c\u3001\u6cd5\u7684\u30ea\u30b9\u30af\u3084\u8a55\u5224\u306e\u6bc0\u640d\u3092\u9632\u304e\u307e\u3059\u3002\u91d1\u878d\u53d6\u5f15\u306e\u7d99\u7d9a\u7684\u306a\u76e3\u8996\u306b\u3088\u308a\u3001\u30ea\u30b9\u30af\u30ec\u30d9\u30eb\u306e\u5909\u5316\u3092\u7a4d\u6975\u7684\u306b\u628a\u63e1\u3057\u3001\u7591\u308f\u3057\u3044\u53d6\u5f15\u306e\u53ef\u80fd\u6027\u306b\u5bfe\u3059\u308b\u4fdd\u8b77\u7b56\u3092\u63d0\u4f9b\u3057\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u898f\u5236\u306e\u5909\u5316\u306b\u67d4\u8edf\u306b\u5bfe\u5fdc\u3059\u308b\u3053\u3068\u3067\u3001\u91d1\u878d\u6a5f\u95a2\u306f\u91d1\u878d\u72af\u7f6a\u306e\u30ea\u30b9\u30af\u306b\u5bfe\u3057\u3066\u5f37\u56fa\u306a\u9632\u5fa1\u529b\u3092\u7dad\u6301\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u8981\u7d04\u3059\u308b\u3068\u3001\u9867\u5ba2\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u306e\u8ab2\u984c\u3092\u514b\u670d\u3059\u308b\u306b\u306f\u3001\u5fb9\u5e95\u3057\u305f\u30c7\u30fc\u30bf\u53ce\u96c6\u3068\u67d4\u8edf\u306a\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u6226\u7565\u304a\u3088\u3073\u6a5f\u654f\u306a\u898f\u5236\u66f4\u65b0\u3092\u7d71\u5408\u3057\u305f\u591a\u6b21\u5143\u30a2\u30d7\u30ed\u30fc\u30c1\u304c\u5fc5\u8981\u3067\u3059\u3002 <\/p>\n\n\n\n<p>\u91d1\u878d\u306e\u5065\u5168\u6027\u306e\u5b88\u8b77\u8005\u3068\u3057\u3066\u3001\u91d1\u878d\u6a5f\u95a2\u306f\u3001\u6f5c\u5728\u7684\u306a\u30ea\u30b9\u30af\u3092\u8efd\u6e1b\u3057\u3001\u91d1\u878d\u30a8\u30b3\u30b7\u30b9\u30c6\u30e0\u3092\u4fdd\u8b77\u3059\u308b\u3068\u3044\u3046\u60c5\u71b1\u306b\u652f\u3048\u3089\u308c\u3001\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u306e\u5353\u8d8a\u6027\u306b\u5bfe\u3059\u308b\u63fa\u308b\u304e\u306a\u3044\u53d6\u308a\u7d44\u307f\u3092\u7dad\u6301\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"the-role-of-technology-in-cdd\">CDD\u306b\u304a\u3051\u308b\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306e\u5f79\u5272<\/h2>\n\n\n\n<p>\u6025\u901f\u306b\u9032\u5316\u3059\u308b\u4eca\u65e5\u306e\u91d1\u878d\u74b0\u5883\u306b\u304a\u3044\u3066\u3001\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306f\u9867\u5ba2\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9 (CDD) \u30d7\u30ed\u30bb\u30b9\u3092\u5f37\u5316\u3059\u308b\u4e0a\u3067\u6975\u3081\u3066\u91cd\u8981\u306a\u5f79\u5272\u3092\u679c\u305f\u3057\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306f\u5909\u9769\u306e\u539f\u52d5\u529b\u3068\u306a\u308a\u3001\u4f01\u696d\u304c\u6f5c\u5728\u7684\u306a\u8105\u5a01\u304b\u3089\u8eab\u3092\u5b88\u308a\u3001\u53b3\u683c\u306a\u898f\u5236\u8981\u4ef6\u3092\u9075\u5b88\u3067\u304d\u308b\u3088\u3046\u306b\u3057\u307e\u3059\u3002\u91d1\u878d\u72af\u7f6a\u306e\u5897\u52a0\u3068\u91d1\u878d\u53d6\u5f15\u306e\u8907\u96d1\u5316\u306b\u4f34\u3044\u3001\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306e\u6d3b\u7528\u306f\u6709\u76ca\u3067\u3042\u308b\u3060\u3051\u3067\u306a\u304f\u3001\u4e0d\u53ef\u6b20\u3067\u3059\u3002<\/p>\n\n\n\n<p> ID\u8a8d\u8a3c\u3084\u751f\u4f53\u8a8d\u8a3c\u306b\u3088\u308b\u9854\u8a8d\u8a3c\u3068\u3044\u3063\u305f\u9ad8\u5ea6\u306a\u6280\u8853\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3092\u5c0e\u5165\u3059\u308b\u3053\u3068\u3067\u3001\u9867\u5ba2\u306e\u8eab\u5143\u304c\u771f\u6b63\u304b\u3064\u4e0d\u6b63\u30a2\u30af\u30bb\u30b9\u4e0d\u53ef\u80fd\u306a\u72b6\u614b\u3067\u3042\u308b\u3053\u3068\u3092\u4fdd\u8a3c\u3057\u307e\u3059\u3002\u81ea\u52d5\u5316\u3055\u308c\u305f\u30c7\u30b8\u30bf\u30eb\u30c4\u30fc\u30eb\u306f\u3001\u9867\u5ba2\u884c\u52d5\u306e\u7d99\u7d9a\u7684\u306a\u76e3\u8996\u3092\u52b9\u7387\u5316\u3057\u3001\u4e0d\u4e00\u81f4\u3084\u4e0d\u5be9\u306a\u884c\u52d5\u3092\u6b63\u78ba\u306b\u7279\u5b9a\u3057\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u3055\u3089\u306b\u3001Regula Document Reader SDK\u306a\u3069\u306e\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306f\u3001\u5805\u7262\u306aCDD\u30d5\u30ec\u30fc\u30e0\u30ef\u30fc\u30af\u306e\u57fa\u76e4\u3068\u306a\u308b\u52b9\u7387\u7684\u306a\u6587\u66f8\u51e6\u7406\u3068\u691c\u8a3c\u3092\u53ef\u80fd\u306b\u3057\u307e\u3059\u3002\u69cb\u9020\u5316\u3055\u308c\u305f\u6280\u8853\u7684\u30a2\u30d7\u30ed\u30fc\u30c1\u3092\u63a1\u7528\u3059\u308b\u3053\u3068\u3067\u3001\u4f01\u696d\u306fCDD\u3068KYC\u30c8\u30ea\u30ac\u30fc\u306e\u5b9a\u671f\u7684\u306a\u76e3\u67fb\u3092\u901a\u3058\u3066\u6b63\u78ba\u306a\u8a18\u9332\u3092\u7dad\u6301\u3057\u3001\u9032\u5316\u3059\u308b\u898f\u5236\u3078\u306e\u5bfe\u5fdc\u3092\u7dad\u6301\u3067\u304d\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"automated-verification-solutions\">\u81ea\u52d5\u691c\u8a3c\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3<\/h3>\n\n\n\n<p>CDD\u306e\u5206\u91ce\u3067\u306f\u3001\u81ea\u52d5\u691c\u8a3c\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u304c\u30b2\u30fc\u30e0\u30c1\u30a7\u30f3\u30b8\u30e3\u30fc\u3068\u3057\u3066\u767b\u5834\u3057\u307e\u3057\u305f\u3002\u3053\u308c\u3089\u306e\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306f\u3001\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u30d7\u30ed\u30bb\u30b9\u3092\u5408\u7406\u5316\u3057\u3001\u624b\u4f5c\u696d\u306b\u3088\u308b\u30df\u30b9\u3092\u8efd\u6e1b\u3057\u3001\u91d1\u878d\u6a5f\u95a2\u306b\u304a\u3051\u308b\u30ea\u30b9\u30af\u8a55\u4fa1\u696d\u52d9\u306e\u52b9\u7387\u6027\u3092\u5411\u4e0a\u3055\u305b\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u305f\u3068\u3048\u3070\u3001Jumio \u306e\u3088\u3046\u306a ID \u691c\u8a3c\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306f\u3001\u6700\u5148\u7aef\u306e\u751f\u4f53\u8a8d\u8a3c\u304a\u3088\u3073 ID \u691c\u8a3c\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u3092\u4f7f\u7528\u3057\u3066\u30e6\u30fc\u30b6\u30fc\u306e ID \u3092\u5805\u7262\u306b\u691c\u8a3c\u3057\u3001\u8a50\u6b3a\u306e\u53ef\u80fd\u6027\u3092\u5927\u5e45\u306b\u4f4e\u6e1b\u3057\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u5f37\u529b\u306a\u9867\u5ba2\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u624b\u9806\u3068\u81ea\u52d5\u5316\u3055\u308c\u305f\u672c\u4eba\u78ba\u8a8d\u3092\u7d71\u5408\u3059\u308b\u3053\u3068\u3067\u3001\u4f01\u696d\u306f\u9867\u5ba2\u306e\u4fe1\u983c\u3092\u5f37\u5316\u3057\u306a\u304c\u3089\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u9632\u6b62 (AML) \u898f\u5236\u3092\u30b7\u30fc\u30e0\u30ec\u30b9\u306b\u9075\u5b88\u3067\u304d\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u3055\u3089\u306b\u3001\u81ea\u52d5\u5316\u3055\u308c\u305f\u30d9\u30f3\u30c0\u30fc\u691c\u8a3c\u304a\u3088\u3073\u30ea\u30b9\u30af\u8a55\u4fa1\u30c4\u30fc\u30eb\u306b\u3088\u308a\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u306e\u6d1e\u5bdf\u304c\u5f97\u3089\u308c\u3001\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9 \u30d7\u30ed\u30bb\u30b9\u304c\u5927\u5e45\u306b\u5f37\u5316\u3055\u308c\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u3053\u306e\u30aa\u30f3\u30dc\u30fc\u30c7\u30a3\u30f3\u30b0 \u30d7\u30ed\u30bb\u30b9\u306e\u52a0\u901f\u306b\u3088\u308a\u3001\u5f93\u6765\u306e\u7169\u96d1\u306a CDD \u65b9\u6cd5\u3068\u306f\u307e\u3063\u305f\u304f\u5bfe\u7167\u7684\u306b\u3001\u898f\u5236\u9075\u5b88\u304c\u78ba\u4fdd\u3055\u308c\u3001\u30d3\u30b8\u30cd\u30b9\u306e\u6210\u9577\u304c\u30b5\u30dd\u30fc\u30c8\u3055\u308c\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"data-analytics-for-risk-assessment\">\u30ea\u30b9\u30af\u8a55\u4fa1\u306e\u305f\u3081\u306e\u30c7\u30fc\u30bf\u5206\u6790<\/h3>\n\n\n\n<p>\u30c7\u30fc\u30bf\u5206\u6790\u306f\u3001\u9ad8\u5ea6\u306a\u30ea\u30b9\u30af\u8a55\u4fa1\u3092\u5b9f\u65bd\u3059\u308b\u305f\u3081\u306e\u57fa\u76e4\u3068\u3057\u3066\u6a5f\u80fd\u3057\u307e\u3059\u3002\u9867\u5ba2\u60c5\u5831\u3001\u4e8b\u696d\u6d3b\u52d5\u3001\u5730\u7406\u7684\u8981\u56e0\u3092\u6d3b\u7528\u3059\u308b\u3053\u3068\u3067\u3001\u30ea\u30b9\u30af\u30ec\u30d9\u30eb\u306b\u57fa\u3065\u3044\u3066\u9867\u5ba2\u3092\u5dee\u5225\u5316\u3059\u308b\u3053\u3068\u304c\u53ef\u80fd\u306b\u306a\u308a\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u9867\u5ba2\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u306b\u5bfe\u3059\u308b\u30ea\u30b9\u30af\u30d9\u30fc\u30b9\u306e\u30a2\u30d7\u30ed\u30fc\u30c1\u306f\u4e0d\u53ef\u6b20\u3067\u3059\u3002\u3053\u308c\u306b\u3088\u308a\u3001\u4f01\u696d\u306f\u6f5c\u5728\u7684\u306a\u30ea\u30b9\u30af\u3092\u7a4d\u6975\u7684\u306b\u691c\u51fa\u3057\u3066\u7ba1\u7406\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u3001\u91d1\u878d\u72af\u7f6a\u3092\u767a\u751f\u524d\u306b\u56de\u907f\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u3053\u306e\u30c7\u30fc\u30bf\u5206\u6790\u30de\u30c8\u30ea\u30c3\u30af\u30b9\u306b\u5916\u90e8\u30c7\u30fc\u30bf\u30bd\u30fc\u30b9\u3092\u7d71\u5408\u3059\u308b\u3053\u3068\u3067\u3001\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u30d7\u30ed\u30bb\u30b9\u304c\u5f37\u5316\u3055\u308c\u3001\u9867\u5ba2\u306e\u7d4c\u6b74\u3068\u95a2\u9023\u3059\u308b\u30ea\u30b9\u30af\u3092\u5305\u62ec\u7684\u306b\u628a\u63e1\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002\u5206\u6790\u3092\u901a\u3058\u3066\u53d6\u5f15\u3092\u7d99\u7d9a\u7684\u306b\u76e3\u8996\u3059\u308b\u3053\u3068\u3067\u3001\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u306e\u53d6\u308a\u7d44\u307f\u306e\u6709\u52b9\u6027\u3092\u7dad\u6301\u3057\u3001\u65b0\u305f\u306a\u8105\u5a01\u306b\u52b9\u679c\u7684\u306b\u5bfe\u51e6\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u30c7\u30fc\u30bf\u5206\u6790\u306b\u3088\u308a\u3001\u610f\u601d\u6c7a\u5b9a\u30d7\u30ed\u30bb\u30b9\u3092\u8996\u899a\u5316\u3059\u308b\u3053\u3068\u3067\u3001\u4f01\u696d\u306f\u30ea\u30b9\u30af\u8a55\u4fa1\u3092\u30ab\u30b9\u30bf\u30de\u30a4\u30ba\u3057\u3001\u30ea\u30b9\u30af\u3092\u305d\u306e\u91cd\u5927\u5ea6\u3068\u6f5c\u5728\u7684\u306a\u5f71\u97ff\u5225\u306b\u5206\u985e\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"maintaining-data-privacy-and-security\">\u30c7\u30fc\u30bf\u306e\u30d7\u30e9\u30a4\u30d0\u30b7\u30fc\u3068\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306e\u7dad\u6301<\/h3>\n\n\n\n<p>\u30c7\u30fc\u30bf\u306e\u30d7\u30e9\u30a4\u30d0\u30b7\u30fc\u3068\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3092\u7dbf\u5bc6\u306b\u7dad\u6301\u3059\u308b\u3053\u3068\u306f\u3001\u52b9\u679c\u7684\u306aCDD\u624b\u7d9a\u304d\u306b\u4e0d\u53ef\u6b20\u3067\u3059\u3002\u9867\u5ba2\u60c5\u5831\u306e\u6b63\u78ba\u304b\u3064\u6700\u65b0\u306e\u8a18\u9332\u3092\u78ba\u4fdd\u3059\u308b\u3053\u3068\u306f\u3001\u898f\u5236\u8981\u4ef6\u306e\u9075\u5b88\u3060\u3051\u3067\u306a\u304f\u3001\u6f5c\u5728\u7684\u306a\u76e3\u67fb\u3078\u306e\u5099\u3048\u306b\u3082\u306a\u308a\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u91d1\u878d\u6a5f\u95a2\u306f\u3001\u5c06\u6765\u306e\u91d1\u878d\u72af\u7f6a\u306b\u95a2\u9023\u3059\u308b\u8abf\u67fb\u306b\u5099\u3048\u308b\u305f\u3081\u3001CDD\u95a2\u9023\u306e\u3059\u3079\u3066\u306e\u6d3b\u52d5\u306e\u8a18\u9332\u3092\u6570\u5e74\u9593\u4fdd\u7ba1\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u4fe1\u983c\u3067\u304d\u308b\u72ec\u7acb\u3057\u305f\u6587\u66f8\u306b\u3088\u3063\u3066\u9867\u5ba2\u306e\u8eab\u5143\u304c\u78ba\u8a8d\u3055\u308c\u308b\u3053\u3068\u3067\u3001\u8a50\u6b3a\u3084\u91d1\u878d\u72af\u7f6a\u306e\u30ea\u30b9\u30af\u3092\u8efd\u6e1b\u3067\u304d\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u7d99\u7d9a\u7684\u306a\u76e3\u8996\u306f CDD \u306e\u76e3\u8996\u5f79\u3068\u3057\u3066\u6a5f\u80fd\u3057\u3001\u4e0d\u4e00\u81f4\u3092\u691c\u51fa\u3057\u3001\u9867\u5ba2\u306e\u30ea\u30b9\u30af \u30d7\u30ed\u30d5\u30a1\u30a4\u30eb\u306e\u5909\u5316\u3092\u901a\u77e5\u3059\u308b\u3068\u3068\u3082\u306b\u3001\u30c7\u30fc\u30bf \u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3092\u5f37\u5316\u3057\u307e\u3059\u3002 <\/p>\n\n\n\n<p>\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u9632\u6b62\u6cd5\u304a\u3088\u3073\u30c6\u30ed\u8cc7\u91d1\u5bfe\u7b56\u6cd5\u3067\u306f\u3001\u30d7\u30e9\u30a4\u30d0\u30b7\u30fc\u3092\u4fdd\u8b77\u3057\u3001\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3092\u5f37\u5316\u3059\u308b\u305f\u3081\u306b\u3001\u9867\u5ba2\u30c7\u30fc\u30bf\u3001\u53d6\u5f15\u5c65\u6b74\u3001\u30ea\u30b9\u30af\u8a55\u4fa1\u306e\u5305\u62ec\u7684\u306a\u8a18\u9332\u4fdd\u6301\u304c\u7fa9\u52d9\u4ed8\u3051\u3089\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<p>CDD \u30d7\u30ed\u30bb\u30b9\u306b\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u3092\u7d44\u307f\u8fbc\u3080\u3053\u3068\u306f\u3001\u5358\u306b\u5909\u5316\u3059\u308b\u4e16\u754c\u3078\u306e\u9069\u5fdc\u3068\u3044\u3046\u3060\u3051\u3067\u306f\u306a\u304f\u3001\u307e\u3059\u307e\u3059\u8907\u96d1\u5316\u3059\u308b\u91d1\u878d\u53d6\u5f15\u306e\u9818\u57df\u306b\u304a\u3051\u308b\u7cbe\u5ea6\u3001\u5b89\u5168\u6027\u3001\u4fe1\u983c\u306b\u5bfe\u3059\u308b\u60c5\u71b1\u306a\u306e\u3067\u3059\u3002<\/p>","protected":false},"excerpt":{"rendered":"<p>As businesses navigate the complexities of financial regulation and the ever-evolving landscape of risk, the need for effective CDD strategies becomes irrefutable. Every decision made based on customer identity can be the difference between compliance and catastrophe. Customer Due Diligence is a foundational element in combating financial crime, ensuring that businesses know exactly who they are dealing with. From verifying identities to scrutinizing the nature of business relationships, CDD encompasses a broad spectrum of objectives that must be met to protect both the organization and its clientele. Each layer of diligence helps to mitigate risks related to fraud, money laundering, and other illicit activities. This article delves into the core [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":39680,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-36801","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-customer-support"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.thrivedesk.com\/ja\/wp-json\/wp\/v2\/posts\/36801","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.thrivedesk.com\/ja\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.thrivedesk.com\/ja\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.thrivedesk.com\/ja\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/www.thrivedesk.com\/ja\/wp-json\/wp\/v2\/comments?post=36801"}],"version-history":[{"count":1,"href":"https:\/\/www.thrivedesk.com\/ja\/wp-json\/wp\/v2\/posts\/36801\/revisions"}],"predecessor-version":[{"id":39681,"href":"https:\/\/www.thrivedesk.com\/ja\/wp-json\/wp\/v2\/posts\/36801\/revisions\/39681"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.thrivedesk.com\/ja\/wp-json\/wp\/v2\/media\/39680"}],"wp:attachment":[{"href":"https:\/\/www.thrivedesk.com\/ja\/wp-json\/wp\/v2\/media?parent=36801"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.thrivedesk.com\/ja\/wp-json\/wp\/v2\/categories?post=36801"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.thrivedesk.com\/ja\/wp-json\/wp\/v2\/tags?post=36801"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}