{"id":8309,"date":"2015-09-28T16:28:06","date_gmt":"2015-09-28T15:28:06","guid":{"rendered":"http:\/\/www.solucominsight.fr\/?p=8309"},"modified":"2015-09-28T16:43:22","modified_gmt":"2015-09-28T15:43:22","slug":"lutte-anti-blanchiment-financement-du-terrorisme-ce-que-va-changer-la-4eme-directive-europeenne","status":"publish","type":"post","link":"https:\/\/www.riskinsight-wavestone.com\/en\/2015\/09\/lutte-anti-blanchiment-financement-du-terrorisme-ce-que-va-changer-la-4eme-directive-europeenne\/","title":{"rendered":"Lutte anti-blanchiment &#038; financement du terrorisme : ce que va changer la 4\u00e8me Directive Europ\u00e9enne"},"content":{"rendered":"<p>Certes consid\u00e9r\u00e9e comme une avanc\u00e9e marquante dans la lutte anti-blanchiment et contre le financement du terrorisme (LAB\/FT) en introduisant une approche par les risques, la 3<sup>\u00e8me<\/sup> directive europ\u00e9enne a rapidement \u00e9t\u00e9 consid\u00e9r\u00e9e comme non satisfaisante. Source d\u2019une trop grande diversit\u00e9 dans les mesures nationales conduisant \u00e0 des incoh\u00e9rences dans un contexte transfrontalier; impliquant des obligations simplifi\u00e9es de vigilance conduisant \u00e0 une exemption automatique de toute obligation de vigilance pour certaines cat\u00e9gories de clients\/transactions. Mais cette 4\u00a0<sup>\u00e8me<\/sup> directive va-t-elle suffire\u00a0?<\/p>\n<h1 style=\"margin: 0cm; margin-bottom: .0001pt; text-align: justify;\">Une 4<sup>\u00e8me<\/sup> Directive Europ\u00e9enne plus ambitieuse<\/h1>\n<p>Depuis f\u00e9vrier 2013, une nouvelle directive est en effet en cours de r\u00e9daction. Ce processus a abouti avec l\u2019adoption de la 4<sup>\u00e8me<\/sup> directive par le parlement europ\u00e9en le 20 mai 2015.<\/p>\n<p>Elle\u00a0r\u00e9pond \u00e0 un double objectif\u00a0:<\/p>\n<ul>\n<li>Adapter, d\u2019une part le cadre juridique aux nouveaux risques de blanchiment et de financement du terrorisme.<\/li>\n<li>Mettre \u00e0 jour, d\u2019autre part la l\u00e9gislation europ\u00e9enne en int\u00e9grant les <a href=\"http:\/\/www.fatf-gafi.org\/fr\/themes\/recommandationsgafi\/documents\/recommandations-gafi.html\">recommandations du GAFI de f\u00e9vrier 2012<\/a>.<\/li>\n<\/ul>\n<p>Autant d\u2019\u00e9l\u00e9ments indispensables entrant dans une dynamique plus importante de transparence et de fluidit\u00e9 dans la lutte anti-blanchiment.<\/p>\n<h1>8 avanc\u00e9es permises par la nouvelle\u00a0directive<\/h1>\n<h2>1 &#8211; Des mesures de vigilance plus strictes<\/h2>\n<p>La 4<sup>\u00e8me<\/sup> Directive met en place des mesures de vigilance minimales y compris en cas de risque faible, notamment en renfor\u00e7ant les contr\u00f4les sur la monnaie \u00e9lectronique anonyme. De plus, afin d\u2019harmoniser l\u2019analyse par les risques entre les Etats membres, des situations pr\u00e9sentant un risque faible ou plus \u00e9lev\u00e9 sont list\u00e9es en annexe.<\/p>\n<h2>2 &#8211; Une transparence accrue de l\u2019information sur les b\u00e9n\u00e9ficiaires effectifs<\/h2>\n<p><a href=\"http:\/\/www.lesechos.fr\/17\/12\/2014\/lesechos.fr\/0204023392651_lutte-anti-blanchiment---l-europe-trouve-un-accord-sur-la-transparence.htm\">La 4<sup>\u00e8me<\/sup> Directive introduit un nouvel \u00ab\u00a0outil\u00a0\u00bb dans le paysage de la LAB\/FT, en mettant en place des registres centralis\u00e9s sur les b\u00e9n\u00e9ficiaires effectifs des personnes morales largement ouverts<\/a> aux autorit\u00e9s de contr\u00f4le, organismes assujettis et au public. A noter toutefois que les mesures visant les<em> trusts<\/em> sont moins contraignantes que pour les autres personnes morales. \u00a0Gr\u00e2ce \u00e0 cette mesure qui accro\u00eet la transparence de l\u2019information sur les b\u00e9n\u00e9ficiaires effectifs, les \u00e9tablissements devraient \u00eatre plus \u00e0 m\u00eame de remplir leurs obligations de vigilance.<\/p>\n<h2>3 &#8211; Une liste europ\u00e9enne des juridictions non coop\u00e9ratives<\/h2>\n<p>L\u2019Union Europ\u00e9enne publiera une liste noire des juridictions non coop\u00e9ratives regroupant les pays dont la l\u00e9gislation est d\u00e9faillante en mati\u00e8re de LAB\/FT(Lutte anti-blanchiment\/Financement du terrorisme). Cette liste prendra en compte les listes existantes dont celles du GAFI (Le Groupe d&#8217;action financi\u00e8re).<\/p>\n<h2>4 &#8211; Distinction des PPE nationales et \u00e9trang\u00e8res<\/h2>\n<p>La notion de PPE (Personne Politiquement Expos\u00e9e) est affin\u00e9e et distingue PPE nationales et \u00e9trang\u00e8res. Une PPE nationale est une personne physique qui est ou a \u00e9t\u00e9 charg\u00e9e de fonctions publiques importantes par un \u00c9tat membre. Alors qu\u2019une personne physique qui est ou a \u00e9t\u00e9 charg\u00e9e de fonctions publiques importantes par un pays tiers r\u00e9pond d\u00e9sormais \u00e0 la d\u00e9finition de PPE \u00e9trang\u00e8re.<\/p>\n<h2>5 &#8211; Modification des pr\u00e9rogatives des Cellules de Renseignement Financiers (CRF)<\/h2>\n<p>L\u2019ind\u00e9pendance op\u00e9rationnelle et l\u2019autonomie des CRF sont renforc\u00e9es.<\/p>\n<h2>6 &#8211; Renforcement du contr\u00f4le interne et des proc\u00e9dures LAB\/FT \u00e0 l\u2019\u00e9chelle groupe<\/h2>\n<p>Les exigences en mati\u00e8re de contr\u00f4le interne ainsi que les proc\u00e9dures LAB\/FT \u00a0sont pr\u00e9cis\u00e9es et renforc\u00e9es si la taille et la nature de l\u2019activit\u00e9 le justifient\u00a0:<\/p>\n<ul>\n<li>Obligation de mettre en \u0153uvre des proc\u00e9dures de LAB\/FT \u00e0 l\u2019\u00e9chelle du groupe.<\/li>\n<li>Nomination d\u2019un responsable du contr\u00f4le du respect des obligations LAB\/FT.<\/li>\n<li>Mise en place d\u2019une fonction d\u2019audit interne ind\u00e9pendante.<\/li>\n<\/ul>\n<h2>7 &#8211; Durcissement des sanctions<\/h2>\n<p>La 4<sup>\u00e8me<\/sup> Directive pr\u00e9voit une harmonisation minimale des sanctions applicables. De plus, elle introduit des plafonds de sanctions en distinguant les personnes physiques et les personnes morales de sorte que des sanctions p\u00e9cuniaires puissent d\u00e9sormais \u00eatre inflig\u00e9es aux personnes physiques.<\/p>\n<h2>8 &#8211; R\u00e9vision du <a href=\"http:\/\/eur-lex.europa.eu\/legal-content\/FR\/TXT\/?uri=CELEX:32006R1781\">r\u00e8glement (CE) n\u00b0 1781\/2006<\/a><\/h2>\n<p>Le R\u00e8glement sur les informations accompagnant les virements de fonds dont la mise en application est simultan\u00e9e avec la 4<sup>\u00e8me<\/sup> Directive a pour objectif de r\u00e9former le r\u00e8glement actuel (CE) 1781\/2006, de prendre en compte la recommandation n\u00b016 du GAFI et enfin de renforcer les informations accompagnant les transferts de fonds en introduisant de nouvelles obligations relatives au b\u00e9n\u00e9ficiaire.<\/p>\n<h1>Une 4<sup>\u00e8me<\/sup> Directive pourtant d\u00e9j\u00e0 remise en question<\/h1>\n<p>Avant m\u00eame son adoption, la nouvelle Directive suscite d\u00e9j\u00e0 des critiques. Tout d\u2019abord, la notion de PPE est limit\u00e9e aux seules fonctions nationales et internationales. Les d\u00e9cideurs r\u00e9gionaux et locaux qui pourtant pr\u00e9sentent les plus grands risques de corruption ne seraient donc pas consid\u00e9r\u00e9s comme des PPE.<\/p>\n<p>Par ailleurs, sa mise en \u0153uvre au sein des \u00e9tablissements financiers fran\u00e7ais devrait avoir peu d\u2019impacts en France. En effet, l\u2019Ordonnance de 2009 a \u00e9t\u00e9 amend\u00e9e par des modifications du code mon\u00e9taire et des lignes directrices de l\u2019ACPR (Autorit\u00e9 de contr\u00f4le prudentiel et de r\u00e9solution) afin d\u2019anticiper les futures \u00e9volutions de la r\u00e9glementation europ\u00e9enne et celles des recommandations du GAFI.<\/p>\n<p>Cependant, dans le souci d\u2019harmoniser les r\u00e8glementations des Etats membres, l\u2019affirmation des mesures de cette nouvelle Directive LAB\/FT\u00a0 est indispensable. Dans cette lutte contre le blanchiment et le financement du terrorisme, l\u2019am\u00e9lioration ne peut se faire que pas \u00e0 pas. Et en ce sens, la 4\u00e8me directive apporte d\u00e9j\u00e0 une avanc\u00e9e qu\u2019il serait dommage de remettre fondamentalement en cause.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Certes consid\u00e9r\u00e9e comme une avanc\u00e9e marquante dans la lutte anti-blanchiment et contre le financement du terrorisme (LAB\/FT) en introduisant une approche par les risques, la 3\u00e8me directive europ\u00e9enne a rapidement \u00e9t\u00e9 consid\u00e9r\u00e9e comme non satisfaisante. Source d\u2019une trop grande diversit\u00e9&#8230;<\/p>\n","protected":false},"author":922,"featured_media":8313,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-templates\/tmpl-one.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[34],"tags":[2466,2467,2468],"coauthors":[2265,2469],"class_list":["post-8309","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-strategie-d-entreprise","tag-directive-europeenne","tag-lutte-anti-blanchiment","tag-parlement"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Lutte anti-blanchiment &amp; financement du terrorisme : ce que va changer la 4\u00e8me Directive Europ\u00e9enne - RiskInsight<\/title>\n<meta name=\"description\" content=\"Le 20 mai 2015, le parlement europ\u00e9en a adopt\u00e9 la 4\u00e8me directive qui r\u00e9pond \u00e0 un double objectif...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.riskinsight-wavestone.com\/2015\/09\/lutte-anti-blanchiment-financement-du-terrorisme-ce-que-va-changer-la-4eme-directive-europeenne\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lutte anti-blanchiment &amp; 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