+9. Unless otherwise specified, terms used and defined in Regulation (EU) 2023/1113, in Directive …

9. Unless otherwise specified, terms used and defined in Regulation (EU) 2023/1113, in Directive …

Unless otherwise specified, terms used and defined in Regulation (EU) 2023/1113, in Directive (EU) 2015/849 and in Directive (EU) 2015/2366 have the same meaning in the Guidelines. Furthermore, for the purpose of these Guidelines, the following definitions apply:

RiskMeans the impact and likelihood of ML/TF taking place. Means variables that, either on their own or in combination, may increase or decrease the ML/TF risk
Risk factorsposed by an individual business relationship, occasional transaction or transfer. Means an approach whereby competent authorities, PSPs, IPSPs, CASPs and ICASPs identify, assess and understand
Risk-based approachthe ML/TF risks to which PSPs, IPSPs, CASPs and ICASPs are exposed and take AML/CFT measures that are proportionate to those risks. Means the end-to-end sequence of parties, processes and interactions involved in facilitating the transfer of funds
Transfer chainand transfer of crypto-assets, as defined in Regulation (EU) 2023/1113, from the payer or originator to the payee or beneficiary.

1. Overview

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1.1 References

1.2 Identified Requirements

1.3 Related Standards

2. Identified Requirements

Requirements

3. Related Standards

Standards
  • EBA -

    EN: Guidelines and other publications of the European Banking Authority (EBA), https://www.eba.europa.eu/. © European Banking Authority. Reproduction is authorised provided the source is acknowledged (EBA legal notice). Divided into sections and converted into the GRCA format, the wording unchanged. Only the versions published by the EBA are authoritative.

    DE: Leitlinien und weitere Veröffentlichungen der Europäischen Bankenaufsichtsbehörde (EBA), https://www.eba.europa.eu/. © European Banking Authority. Wiedergabe mit Quellenangabe gestattet (Rechtlicher Hinweis der EBA). In Abschnitte aufgeteilt und in das GRCA-Format umgewandelt, der Wortlaut unverändert. Maßgeblich sind allein die von der EBA veröffentlichten Fassungen.