{"id":1221193,"date":"2020-07-29T10:35:48","date_gmt":"2020-07-29T07:35:48","guid":{"rendered":"https:\/\/www.arb.ro\/?p=1221193"},"modified":"2024-01-25T21:45:54","modified_gmt":"2024-01-25T19:45:54","slug":"actualizarea-datelor-personale-ale-clientilor-bancilor-este-o-obligatie-legala-pentru-combaterea-spalarii-banilor-si-finantarii-terorismului","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/actualizarea-datelor-personale-ale-clientilor-bancilor-este-o-obligatie-legala-pentru-combaterea-spalarii-banilor-si-finantarii-terorismului\/","title":{"rendered":"Actualizarea datelor personale ale clien\u021bilor b\u0103ncilor este o obliga\u021bie legal\u0103 pentru combaterea sp\u0103l\u0103rii banilor \u0219i  finan\u021b\u0103rii terorismului - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"1221193\" class=\"elementor elementor-1221193\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a63249f e-flex e-con-boxed e-con e-parent\" data-id=\"3a63249f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3fb8563e elementor-widget elementor-widget-text-editor\" data-id=\"3fb8563e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: justify;\">Actualizarea datelor personale ale clien\u021bilor b\u0103ncilor este o obliga\u021bie stabilit\u0103 prin lege de Parlament, conform directivelor Uniunii Europene, pentru combaterea sp\u0103l\u0103rii banilor \u0219i\u00a0 finan\u021b\u0103rii terorismului, \u00een lipsa c\u0103reia b\u0103ncile nu pot deschid\u0103 conturi,\u00a0s\u0103 ini\u021bieze ori s\u0103\u00a0continue rela\u021bia de afaceri\u00a0sau\u00a0s\u0103 efectueze tranzac\u021bii.<\/p><p style=\"text-align: justify;\">Mai exact, institu\u021biile de credit sunt obligate s\u0103 aplice m\u0103suri de cunoa\u0219tere a clientelei \u00een vederea prevenirii riscului de sp\u0103lare a banilor \u0219i finan\u021bare a terorismului pentru to\u021bi clien\u021bii lor (de la ini\u021bierea p\u00e2n\u0103 la terminarea rela\u021biei de afaceri), potrivit prevederilor Legii nr. 129\/2019 pentru prevenirea \u015fi combaterea sp\u0103l\u0103rii banilor \u015fi finan\u0163\u0103rii terorismului, precum \u015fi pentru modificarea \u015fi completarea unor acte normative \u0219i prevederilor Regulamentului Bancii Nationale a Romaniei nr. 2\/2019 privind prevenirea \u015fi combaterea sp\u0103l\u0103rii banilor \u015fi finan\u0163\u0103rii terorismului.<\/p><p style=\"text-align: justify;\">M\u0103surile de cunoa\u0219tere a clientelei se refer\u0103 la verificarea identit\u0103\u021bii, pe baza documentelor de identitate \u0219i la prelucrarea unor date cu caracter personal stabilite conform prevederilor legale \u0219i de reglementare, at\u00e2t la momentul dob\u00e2ndirii de c\u0103tre o anumit\u0103 persoan\u0103 fizic\u0103 a calit\u0103\u021bii de client al institutiilor de credit, c\u00e2t \u0219i pe \u00eentreaga perioad\u0103 c\u00e2t persoana respectiv\u0103 de\u021bine aceast\u0103 calitate, precum \u0219i \u00eenc\u0103 cinci ani de la data \u00eencet\u0103rii rela\u021biei de afaceri ori de la efectuarea unei tranzac\u021bii ocazionale, cu posibilitatea de prelungire pe o perioad\u0103 de maxim cinci ani. Dup\u0103 expirarea acestei perioade, institu\u021biile de credit au obliga\u021bia de a \u0219terge datele cu caracter personal, dac\u0103 nu exist\u0103 alte dispozi\u021bii legale ce impun p\u0103strarea \u00een continuare a datelor respective.<\/p><p style=\"text-align: justify;\">Astfel, pentru deschiderea si derularea rela\u021biei contractuale cu clien\u021bii, institu\u021biile de credit au obliga\u021bia de a colecta cel pu\u021bin urm\u0103toarele categorii de date cu caracter personal: nume, prenume, data \u0219i locul na\u0219terii, codul numeric personal (CNP) sau un alt element unic de identificare similar, domiciliul, re\u0219edin\u021ba, num\u0103rul de telefon, fax, adresa de po\u0219t\u0103 electronic\u0103, ocupa\u0163ia, numele angajatorului ori natura activit\u0103\u0163ii proprii, func\u0163ia public\u0103 important\u0103 de\u0163inut\u0103 sau calitatea de persoan\u0103 expus\u0103 public (PEP), informa\u021bii despre scopul \u0219i natura rela\u021biei de afaceri \u0219i sursa fondurilor, sursa averii, informa\u021bii privind reziden\u021ba fiscal\u0103, precum \u0219i copia actului de identitate.<\/p><p style=\"text-align: justify;\">Aceste prelucr\u0103ri de date se efectueaz\u0103 \u00een conformitate cu cerin\u021bele legale \u0219i nu aduc atingere protec\u021biei datelor cu caracter personal. Prelucrarea datelor se face cu deplina respectare a drepturilor fundamentale ale persoanelor vizate\u00a0\u0219i\u00a0numai \u00een scopurile prev\u0103zute \u00een dispozi\u021biile legale, precum\u00a0\u0219i pentru activit\u0103\u021bile prev\u0103zute\u00a0\u00een temeiul acestor dispozi\u021bii legale, cum ar fi:\u00a0aplicarea m\u0103surilor de precau\u021bie privind clientela, monitorizarea permanent\u0103\u00a0a tranzac\u021biilor, investigarea\u00a0\u0219i raportarea tranzac\u021biilor neobi\u0219nuite\u00a0\u0219i suspecte, identificarea beneficiarului real al unei persoane juridice sau al unei construc\u021bii juridice, identificarea unei persoane expuse public, precum\u00a0\u0219i schimbul de informa\u021bii de c\u0103tre autorit\u0103\u021bile competente\u00a0\u0219i de c\u0103tre institu\u021biile de credit\u00a0\u0219i financiare\u00a0\u0219i alte entit\u0103\u021bi obligate.<\/p><p style=\"text-align: justify;\">\u00cen conformitate cu prevederile legale GDPR,\u00a0clien\u021bii au posibilitatea s\u0103 \u00ee\u0219i exercite\u00a0toate drepturile conferite de legisla\u021bia privind protec\u021bia datelor cu caracter personal\u00a0\u00een situa\u021bia \u00een care consider\u0103\/au certitudinea c\u0103 drepturile lor au fost \u00eenc\u0103lcate.<\/p><p style=\"text-align: justify;\">\u00cen cazul refuzului clien\u021bilor de a furniza\/actualiza datele necesare sau \u00een cazul refuzului persoanelor vizate de a li se prelucra aceste categorii de date,\u00a0institu\u021biile de credit au obliga\u021bia de a aplica prevederile\u00a0art. 11, alienatul (9) din Legea nr. 129\/2019,\u00a0respectiv: Atunci c\u00e2nd entitatea raportoare\u00a0nu este \u00een m\u0103sur\u0103 s\u0103 aplice m\u0103surile de cunoa\u0219tere a clientelei, aceasta\u00a0nu trebuie s\u0103 deschid\u0103 contul,\u00a0s\u0103 ini\u021bieze ori s\u0103\u00a0continue rela\u021bia de afaceri\u00a0sau\u00a0s\u0103 efectueze tranzac\u021bia ocazional\u0103\u00a0\u0219i trebuie s\u0103\u00a0\u00eentocmeasc\u0103\u00a0un raport de tranzac\u021bie suspect\u0103\u00a0\u00een leg\u0103tur\u0103\u00a0cu clientul respectiv, ori de c\u00e2te ori exist\u0103\u00a0motive de suspiciune, care va fi transmis Oficiului Na\u021bional de Prevenire \u0219i Combatere a Sp\u0103l\u0103rii Banilor.<\/p><p>Toate aceste date sunt culese \u0219i prelucrate strict \u00een vederea prevenirii folosirii sistemului bancar pentru tranzac\u021bionarea de fonduri ilicite. Prin colaborarea cu b\u0103ncile, <span lang=\"RO\">clien\u021bii<\/span> pot avea o rela\u021bie foarte bun\u0103, f\u0103r\u0103 a se ajunge la blocarea conturilor \u0219i tranzac\u021biilor bancare.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Actualizarea datelor personale ale clien\u021bilor b\u0103ncilor este o obliga\u021bie stabilit\u0103 prin lege de Parlament, conform directivelor Uniunii Europene, pentru combaterea sp\u0103l\u0103rii banilor \u0219i\u00a0 finan\u021b\u0103rii terorismului, \u00een lipsa c\u0103reia b\u0103ncile nu pot deschid\u0103 conturi,\u00a0s\u0103 ini\u021bieze ori s\u0103\u00a0continue rela\u021bia de afaceri\u00a0sau\u00a0s\u0103 efectueze tranzac\u021bii. Mai exact, institu\u021biile de credit sunt obligate s\u0103 aplice m\u0103suri de cunoa\u0219tere a clientelei [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[4],"tags":[],"class_list":["post-1221193","post","type-post","status-publish","format-standard","hentry","category-noutati"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Actualizarea datelor personale ale clien\u021bilor b\u0103ncilor este o obliga\u021bie legal\u0103 pentru combaterea sp\u0103l\u0103rii banilor \u0219i finan\u021b\u0103rii terorismului - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)<\/title>\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.arb.ro\/en\/actualizarea-datelor-personale-ale-clientilor-bancilor-este-o-obligatie-legala-pentru-combaterea-spalarii-banilor-si-finantarii-terorismului\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Actualizarea datelor personale ale clien\u021bilor b\u0103ncilor este o obliga\u021bie legal\u0103 pentru combaterea sp\u0103l\u0103rii banilor \u0219i finan\u021b\u0103rii terorismului - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"og:description\" content=\"Actualizarea datelor personale ale clien\u021bilor b\u0103ncilor este o obliga\u021bie stabilit\u0103 prin lege de Parlament, conform directivelor Uniunii Europene, pentru combaterea sp\u0103l\u0103rii banilor \u0219i\u00a0 finan\u021b\u0103rii terorismului, \u00een lipsa c\u0103reia b\u0103ncile nu pot deschid\u0103 conturi,\u00a0s\u0103 ini\u021bieze ori s\u0103\u00a0continue rela\u021bia de afaceri\u00a0sau\u00a0s\u0103 efectueze tranzac\u021bii. Mai exact, institu\u021biile de credit sunt obligate s\u0103 aplice m\u0103suri de cunoa\u0219tere a clientelei [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.arb.ro\/en\/actualizarea-datelor-personale-ale-clientilor-bancilor-este-o-obligatie-legala-pentru-combaterea-spalarii-banilor-si-finantarii-terorismului\/\" \/>\n<meta property=\"og:site_name\" content=\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"article:published_time\" content=\"2020-07-29T07:35:48+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-01-25T19:45:54+00:00\" \/>\n<meta name=\"author\" content=\"RABVB\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"RABVB\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/actualizarea-datelor-personale-ale-clientilor-bancilor-este-o-obligatie-legala-pentru-combaterea-spalarii-banilor-si-finantarii-terorismului\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/actualizarea-datelor-personale-ale-clientilor-bancilor-este-o-obligatie-legala-pentru-combaterea-spalarii-banilor-si-finantarii-terorismului\\\/\"},\"author\":{\"name\":\"RABVB\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/person\\\/ae6781863ef928b4d6176e16b3c4452f\"},\"headline\":\"Actualizarea datelor personale ale clien\u021bilor b\u0103ncilor este o obliga\u021bie legal\u0103 pentru combaterea sp\u0103l\u0103rii banilor \u0219i finan\u021b\u0103rii terorismului\",\"datePublished\":\"2020-07-29T07:35:48+00:00\",\"dateModified\":\"2024-01-25T19:45:54+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/actualizarea-datelor-personale-ale-clientilor-bancilor-este-o-obligatie-legala-pentru-combaterea-spalarii-banilor-si-finantarii-terorismului\\\/\"},\"wordCount\":764,\"publisher\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#organization\"},\"articleSection\":[\"Nout\u0103\u021bi\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/actualizarea-datelor-personale-ale-clientilor-bancilor-este-o-obligatie-legala-pentru-combaterea-spalarii-banilor-si-finantarii-terorismului\\\/\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/actualizarea-datelor-personale-ale-clientilor-bancilor-este-o-obligatie-legala-pentru-combaterea-spalarii-banilor-si-finantarii-terorismului\\\/\",\"name\":\"Actualizarea datelor personale ale clien\u021bilor b\u0103ncilor este o obliga\u021bie legal\u0103 pentru combaterea sp\u0103l\u0103rii banilor \u0219i finan\u021b\u0103rii terorismului - 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