Communication Strategy for the FAU of the Czech Republic
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Programme Area 25: Capacity building and Institutional Cooperation between Beneficiary State and Norwegian Public Institutions, Local and Regional Authorities Project to strengthen anti-corruption and anti-money laundering systems in the Czech Republic Communication Strategy for the FAU of the Czech Republic Prepared by: Sascha Oliver Rusch Council of Europe Consultant Adriana Vavrušková Consultant of the Czech FIU ECCU-ACAMOL-CZ-TP4/2015 Through the Norway Grants and EEA Grants, Norway contributes to reducing social and economic disparities and to strengthening bilateral relations with the beneficiary countries in Europe. Norway cooperates closely with the EU through the Agreement on the European Economic Area (EEA). For the period 2009-14, Norway’s contribution is €1.7 billion. Grants are available for NGOs, re- search and academic institutions, and the public and private sectors in the 12 newest EU member states, Greece, Portugal and Spain. There is broad cooperation with Norwegian entities, and activities may be implemented until 2016. Key areas of support are environmental protection and climate change, research and scholarships, civil society, health and children, gender equality, justice and cultural heritage. For further information please contact: Disclaimer: This document has been prepared with fund- Economic Crime and Cooperation Unit (ECCU) ing from the Norwegian Grants by a team of Action against Crime Department experts selected from the Council of Europe Directorate General of Human Rights and Rule of and the Czech FIU. The opinions presented in Law-DG I, Council of Europe this technical paper are those of the experts and do not reflect the official position of the Tel: +33-3-9021-4550 Council of Europe or the donors. Fax: +33-3-9021-5650 e-mail: [email protected] www.coe.int/corruption Page | 2 Abbreviations: 4th AML Directive Fourth Anti Money Laundering Directive AML Act Act No. 253/2008 Coll. on selected measures against legitimization of proceeds of crime and financing of terrorism AML/CFT Anti-Money Laundering/Counter Financing of Terrorism CNB Czech National Bank CoE Council of Europe CS Communication Strategy DNFBP Designated Non-Financial Businesses and Professions FATF Financial Action Tasks Force FAU Financial Analytical Unit of the Ministry of Finance MoF Ministry of Finance Q&A Question and answers RSS Really Simple Syndication SME Small and Medium Enterprises STR Suspicious transaction report WD Work Day Page | 3 Table of Contents 1 Executive Summary ........................................................................................................................ 6 2 Introduction .................................................................................................................................... 7 2.1 About the Communication Strategy .......................................................................................... 7 2.2 Quality of information / distinction between employees and customers ................................... 7 2.2.1 Outline of suggested communication activities .................................................................. 8 2.2.2 Timeframe for implementation ........................................................................................... 8 3 Overview of legislation and Institutional roles ............................................................................ 9 3.1 Basic facts about Czech institutions .......................................................................................... 9 3.1.1 The FAU - The central authority for reporting suspicious transactions is the Financial Analytical Unit/Ministry of Finance; .............................................................................................. 9 3.1.2 The anti-money laundering regulators are the Financial Analytical Unit of the Ministry of Finance and the Czech National Bank. ......................................................................................... 10 3.2 PART I - Background on the 4th AML Directive .................................................................... 10 3.2.1 About the Directive (EU) 2015/849 of the European Parliament and of the Council of 20 May 2015 on the prevention of the use of the financial system for the purposes of money laundering or terrorist financing ................................................................................................... 10 3.3 PART II - Background fight against money laundering .......................................................... 11 3.4 Proposal for amendment of the Czech AML Act based on the 4th AML Directive ............... 12 3.4.1 Risk Based Approach – Identification Requirements, Customer Due Diligence ............. 12 3.4.2 Politically Exposed Persons (PEPs) .................................................................................. 13 3.4.3 Beneficial ownership ........................................................................................................ 13 3.4.4 Extension of the types of the obliged entities ................................................................... 13 3.4.5 Reduction of the limit ....................................................................................................... 13 3.4.6 Extension of Identification Data ....................................................................................... 13 3.4.7 Information accompanying transfers of funds .................................................................. 13 3.4.8 E-Money ........................................................................................................................... 14 3.4.9 Rejection of Transaction ................................................................................................... 14 3.4.10 System of Internal Rules ................................................................................................. 14 3.4.11 New FAU Definition ...................................................................................................... 14 3.5 PART III - Background on fight against corruption ................................................................ 14 4 THE COMMUNICATION STRATEGY ................................................................................... 17 4.1 Introduce the new Anti-money laundering and anti-corruption legislation ............................. 17 4.2 Target-Group Analysis ............................................................................................................ 17 4.3 Obliged entities ........................................................................................................................ 18 5 Communication Activities ............................................................................................................ 19 Expected Outcome ............................................................................................................................ 19 5.1 Guidance for companies .......................................................................................................... 21 5.2 Communication to reach the public, non-organised business .................................................. 23 5.3 National Workshop .................................................................................................................. 25 5.4 Press conference (early 2017) / FAU – New Definition .......................................................... 27 5.5 RSS FEED / Collaboration with associations and chambers ................................................... 28 5.5.1 The purpose of RSS-Feeds ............................................................................................... 28 5.5.2 Introduction to RSS .......................................................................................................... 28 Page | 4 6 Annexes .......................................................................................................................................... 31 6.1 ANNEX 1 - Target groups – Obliged entities ......................................................................... 31 6.2 ANNEX 2 – General table of activities ................................................................................... 37 6.3 ANNEX 3 -Table activities with Credit Institutions ............................................................... 39 6.4 ANNEX 4 – Table of Activities DNFBPs (Designated Non-Financial Businesses and Professions) ....................................................................................................................................... 40 6.5 ANNEX 5 – Table of Activities with Financial Institutions ................................................... 41 6.6 ANNEX 6 – Table of Activities targeting general public ....................................................... 42 Page | 5 1 EXECUTIVE SUMMARY This paper is prepared within the project to “Strengthen anti-corruption and anti-money laundering systems in the Czech Republic”, it provides an outline of a communication strategy to be utilised by the Financial Analytical Unit of the Ministry of Finance primarily to introduce the 4th EU Anti-Money Laundering (AML) Directive and its implementation in the Czech legislation, which is expected for mid-2016. The Communication Strategy (CS) proposes that this event is accompanied by information about the efforts of the Czech authorities in the fight against corruption and money laundering. The CS contains a background on relevant facts on above-mentioned topics that can be used as