{"id":1559,"date":"2023-12-05T16:19:10","date_gmt":"2023-12-05T15:19:10","guid":{"rendered":"https:\/\/pyxans.com\/?p=1559"},"modified":"2023-12-06T00:27:19","modified_gmt":"2023-12-05T23:27:19","slug":"panorama-des-sanctions-acpr-prononcees-en-2023","status":"publish","type":"post","link":"https:\/\/pyxans.com\/index.php\/2023\/12\/05\/panorama-des-sanctions-acpr-prononcees-en-2023\/","title":{"rendered":"Panorama des sanctions ACPR prononc\u00e9es en 2023"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1559\" class=\"elementor elementor-1559\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d93906b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d93906b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1cb7a8c\" data-id=\"1cb7a8c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-01eba98 animated-fast elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"01eba98\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.11.0 - 13-02-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">Panorama des sanctions ACPR prononc\u00e9es en 2023 <\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e1f4172 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e1f4172\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8186199\" data-id=\"8186199\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a9e30b6 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"a9e30b6\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.11.0 - 13-02-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Dans le contexte actuel, la r\u00e9glementation en mati\u00e8re de Lutte contre le Blanchiment de Capitaux et le Financement du Terrorisme (LCB-FT) est en constante \u00e9volution, refl\u00e9tant une vigilance accrue des autorit\u00e9s et des institutions financi\u00e8res face \u00e0 des risques toujours plus complexes et diversifi\u00e9s.&nbsp;<\/p><p>Ces \u00e9volutions sont guid\u00e9es par la n\u00e9cessit\u00e9 d&#8217;adapter les cadres r\u00e9glementaires aux nouvelles menaces et aux innovations technologiques, telles que l&#8217;\u00e9mergence de la finance num\u00e9rique.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4da3325\" data-id=\"4da3325\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4037571 elementor-widget elementor-widget-image\" data-id=\"4037571\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.11.0 - 13-02-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/pyxans.com\/wp-content\/uploads\/2023\/11\/Bankin-regulation-1024x682.png\" class=\"attachment-large size-large wp-image-1560\" alt=\"\" srcset=\"https:\/\/pyxans.com\/wp-content\/uploads\/2023\/11\/Bankin-regulation-1024x682.png 1024w, https:\/\/pyxans.com\/wp-content\/uploads\/2023\/11\/Bankin-regulation-300x200.png 300w, https:\/\/pyxans.com\/wp-content\/uploads\/2023\/11\/Bankin-regulation-768x512.png 768w, https:\/\/pyxans.com\/wp-content\/uploads\/2023\/11\/Bankin-regulation-219x146.png 219w, https:\/\/pyxans.com\/wp-content\/uploads\/2023\/11\/Bankin-regulation-50x33.png 50w, https:\/\/pyxans.com\/wp-content\/uploads\/2023\/11\/Bankin-regulation-113x75.png 113w, https:\/\/pyxans.com\/wp-content\/uploads\/2023\/11\/Bankin-regulation.png 1138w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\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<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f2597cf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f2597cf\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c049a39\" data-id=\"c049a39\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-134f23e2 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"134f23e2\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>L&#8217;Autorit\u00e9 de Contr\u00f4le Prudentiel et de R\u00e9solution (ACPR) a r\u00e9cemment prononc\u00e9 plusieurs sanctions importantes, refl\u00e9tant son engagement continu dans la surveillance et la r\u00e9gulation du secteur financier, notamment en mati\u00e8re de lutte contre le blanchiment des capitaux et le financement du terrorisme. Ces d\u00e9cisions offrent des le\u00e7ons pr\u00e9cieuses pour les entit\u00e9s assujetties.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-da35254 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"da35254\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>V\u00e9rifiez la conformit\u00e9 de votre dispositif LCB-FT<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1207e04 elementor-align-center animated-slow elementor-invisible elementor-widget elementor-widget-button\" data-id=\"1207e04\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"http:\/\/pyxans.com\/index.php\/contact\/\" class=\"elementor-button-link elementor-button elementor-size-md\" role=\"button\" id=\"bouton_classic\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-phone-alt\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Contactez-nous<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-34f42a5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"34f42a5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-28db4c0\" data-id=\"28db4c0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f1ed886 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"f1ed886\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_mobile&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mutuelle de Poitiers Assurances (Novembre 2023)<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f69bc5a elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"f69bc5a\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong><em>Sanction p\u00e9cuniaire de 600 000 euros.<\/em><\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b971ae elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"4b971ae\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>La Mutuelle de Poitiers Assurances (MDPA) a \u00e9t\u00e9 sanctionn\u00e9e pour plusieurs manquements li\u00e9s \u00e0 la lutte contre le blanchiment de capitaux et le financement du terrorisme. Leur dispositif de d\u00e9tection des mesures de gel des avoirs \u00e9tait mal param\u00e9tr\u00e9, ce qui a conduit \u00e0 des d\u00e9tections tardives ou inexistantes de personnes vis\u00e9es par des mesures de gel.<\/p><p>La MDPA n&#8217;a pas syst\u00e9matiquement filtr\u00e9 ses clients lors de l&#8217;entr\u00e9e en relation ou avant l&#8217;ex\u00e9cution d&#8217;op\u00e9rations, r\u00e9sultant en la conclusion de contrats avec des entit\u00e9s vis\u00e9es par des mesures de gel.<\/p><p>En outre, la fr\u00e9quence de filtrage de leur base de clients \u00e9tait insuffisante. Ce manquement a entra\u00een\u00e9 l&#8217;incapacit\u00e9 de la MDPA \u00e0 informer imm\u00e9diatement les autorit\u00e9s des contrats conclus avec des personnes faisant l&#8217;objet de mesures de gel.<\/p><p>Enfin, leur dispositif de contr\u00f4le interne \u00e9tait insuffisant et lacunaire, ne permettant pas de d\u00e9tecter les carences du dispositif de filtrage ni les lacunes des bases de donn\u00e9es sur lesquelles il reposait.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-090ba29 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"090ba29\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7d0372b\" data-id=\"7d0372b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1c9edcd elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"1c9edcd\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_mobile&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Abeille Vie (Octobre 2023)<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ebf22d elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"0ebf22d\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong><em>Sanction p\u00e9cuniaire de 3,5 millions d\u2019euros<\/em><\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ea11ed elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"7ea11ed\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Abeille Vie a fait l&#8217;objet de plusieurs griefs pour des manquements relatifs \u00e0 ses obligations en mati\u00e8re de lutte contre le blanchiment de capitaux et le financement du terrorisme (LCB-FT).<\/p><p>Les principaux manquements comprennent une connaissance insuffisante de sa client\u00e8le, notamment en raison de proc\u00e9dures op\u00e9rationnelles inad\u00e9quates pour la mise \u00e0 jour des informations clients. L&#8217;entreprise n&#8217;a pas correctement d\u00e9tect\u00e9 ou trait\u00e9 des personnes politiquement expos\u00e9es (PPE), avec des d\u00e9lais excessifs de traitement des alertes, et n&#8217;a pas r\u00e9alis\u00e9 les mesures de vigilance requises pour certaines PPE identifi\u00e9es.<\/p><p>Leur dispositif de surveillance des op\u00e9rations \u00e9tait incomplet et d\u00e9faillant, ne prenant pas en compte des \u00e9l\u00e9ments essentiels pour d\u00e9tecter des op\u00e9rations n\u00e9cessitant un examen renforc\u00e9.<\/p><p>Enfin, Abeille Vie n&#8217;a pas proc\u00e9d\u00e9 \u00e0 un examen renforc\u00e9 dans plusieurs dossiers o\u00f9 cela \u00e9tait n\u00e9cessaire, manquant ainsi \u00e0 ses obligations r\u00e9glementaires.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2c5873d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2c5873d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-479ab5e\" data-id=\"479ab5e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-512bfa7 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"512bfa7\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_mobile&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">BMW Finance (2023)<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5715e88 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"5715e88\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong><em>Sanction p\u00e9cuniaire de 500 000 euros.<\/em><\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0895361 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"0895361\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>BMW Finance a \u00e9t\u00e9 reconnue coupable de plusieurs manquements en mati\u00e8re de lutte contre le blanchiment de capitaux et le financement du terrorisme (LCB-FT).<\/p><p>Les principales lacunes identifi\u00e9es incluent l&#8217;insuffisance des moyens humains d\u00e9di\u00e9s \u00e0 la LCB-FT, des carences dans la connaissance de la client\u00e8le, notamment en ce qui concerne les b\u00e9n\u00e9ficiaires effectifs et l&#8217;actualisation des informations client\u00e8le.<\/p><p>De plus, leur syst\u00e8me de d\u00e9tection des personnes politiquement expos\u00e9es (PPE) et des entit\u00e9s soumises \u00e0 des mesures de gel des avoirs \u00e9tait d\u00e9fectueux.<\/p><p>Leur dispositif de suivi et d&#8217;analyse des op\u00e9rations \u00e9tait \u00e9galement inad\u00e9quat, ce qui a emp\u00each\u00e9 la d\u00e9tection efficace d&#8217;op\u00e9rations suspectes n\u00e9cessitant un examen renforc\u00e9 ou des d\u00e9clarations de soup\u00e7on \u00e0 Tracfin.<\/p><p>Enfin, BMW Finance a \u00e9chou\u00e9 \u00e0 d\u00e9clarer correctement certaines op\u00e9rations suspectes \u00e0 Tracfin et a pr\u00e9sent\u00e9 des lacunes dans le contr\u00f4le interne de ses prestations externalis\u00e9es.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b1cceef elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b1cceef\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8c6e31f\" data-id=\"8c6e31f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-02d1e27 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"02d1e27\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_mobile&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Financi\u00e8re des Paiements \u00c9lectroniques (2023)<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-234e115 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"234e115\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong><em>Sanction p\u00e9cuniaire d\u2019un million d\u2019euros<\/em><\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8417ff4 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"8417ff4\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>La soci\u00e9t\u00e9 Financi\u00e8re des Paiements \u00c9lectroniques (FPE), filiale de BNP Paribas depuis juillet 2017, a \u00e9t\u00e9 sanctionn\u00e9e pour plusieurs manquements. Ces manquements concernent principalement la classification des risques de blanchiment de capitaux et de financement du terrorisme, le dispositif de suivi et d\u2019analyse des op\u00e9rations, le gel des avoirs, le contr\u00f4le interne, les obligations d&#8217;examen renforc\u00e9, et les d\u00e9fauts de d\u00e9claration de soup\u00e7on \u00e0 Tracfin.<\/p><p>Par exemple, FPE n&#8217;avait pas mis en place de sc\u00e9narios suffisants pour d\u00e9tecter les virements \u00e0 des personnes incarc\u00e9r\u00e9es pour terrorisme avant juillet 2020, et avait des lacunes dans la surveillance des risques associ\u00e9s au secteur des jeux de hasard.<\/p><p>En outre, le dispositif de FPE pour le gel des avoirs \u00e9tait insuffisant, et il y avait des d\u00e9ficiences dans le contr\u00f4le interne de l&#8217;entreprise concernant les mesures de gel des avoirs.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-54b360f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"54b360f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c9a9606\" data-id=\"c9a9606\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-aa1c1c6 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"aa1c1c6\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_mobile&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Axa Banque (2023)<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9dc523f elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"9dc523f\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong><em>Sanction p\u00e9cuniaire d\u2019un million d\u2019euros<\/em><\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2781aa2 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"2781aa2\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Axa Banque a \u00e9t\u00e9 reconnue coupable de manquements dans la mise en \u0153uvre de son dispositif de contr\u00f4le interne, notamment en ce qui concerne l&#8217;identification et la v\u00e9rification de la client\u00e8le. La banque n&#8217;a pas respect\u00e9 les exigences r\u00e9glementaires dans plusieurs cas, comme le montrent les exemples sp\u00e9cifiques o\u00f9 des clients n&#8217;ont pas \u00e9t\u00e9 correctement identifi\u00e9s ou v\u00e9rifi\u00e9s. De plus, Axa Banque a manqu\u00e9 \u00e0 son obligation de d\u00e9clarer certaines sommes ou op\u00e9rations suspectes \u00e0 Tracfin dans 26 cas distincts.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a706b71 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a706b71\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8b9f780\" data-id=\"8b9f780\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-224e6a1 animated-fast elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"224e6a1\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Conclusion<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a566336 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"a566336\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Ces sanctions r\u00e9centes soulignent l&#8217;importance cruciale pour les institutions financi\u00e8res et les assureurs de maintenir des dispositifs de LCB-FT robustes et conformes \u00e0 la r\u00e9glementation. Elles mettent en \u00e9vidence les risques associ\u00e9s \u00e0 une connaissance client insuffisante, \u00e0 des syst\u00e8mes de d\u00e9tection d\u00e9faillants pour les PPE et les mesures de gel des avoirs, et \u00e0 des contr\u00f4les internes inad\u00e9quats.<\/p><p>Ces d\u00e9cisions illustrent l&#8217;imp\u00e9ratif pour les organismes de renforcer continuellement leurs proc\u00e9dures de conformit\u00e9, de surveiller et d&#8217;analyser efficacement les op\u00e9rations et les relations d&#8217;affaires, et de r\u00e9pondre rapidement aux \u00e9volutions r\u00e9glementaires et aux risques \u00e9mergents.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9aa32b3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9aa32b3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9ff4582\" data-id=\"9ff4582\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-91fcf76 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"91fcf76\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Vous avez des doutes sur la conformit\u00e9 de votre dispositif LCB-FT?<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9979d9e elementor-align-center animated-slow elementor-invisible elementor-widget elementor-widget-button\" data-id=\"9979d9e\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"http:\/\/pyxans.com\/index.php\/contact\/\" class=\"elementor-button-link elementor-button elementor-size-md\" role=\"button\" id=\"bouton_classic\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-phone-alt\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Contactez-nous<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-29b01479 elementor-section-full_width elementor-section-content-top elementor-section-height-default elementor-section-height-default\" data-id=\"29b01479\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6075f510\" data-id=\"6075f510\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1455fcfa elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"1455fcfa\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Articles \u00e0 la une<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-25ea3d27 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"25ea3d27\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4ef3ea7a\" data-id=\"4ef3ea7a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-690f06ed elementor-grid-1 elementor-grid-tablet-1 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-widget elementor-widget-posts\" data-id=\"690f06ed\" data-element_type=\"widget\" data-settings=\"{&quot;classic_columns&quot;:&quot;1&quot;,&quot;classic_columns_tablet&quot;:&quot;1&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]},&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/pyxans.com\/wp-content\/plugins\/elementor-pro\/assets\/css\/widget-posts.min.css\">\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-1 post type-post status-publish format-standard hentry category-digital-acts tag-dma tag-dsa tag-reglementation-europeenne tag-services-numeriques\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/pyxans.com\/index.php\/2022\/09\/23\/dma-dsa\/\" >\n\t\t\t\tPoint sur le cadre l\u00e9gislatif europ\u00e9en sur les services num\u00e9riques\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/pyxans.com\/index.php\/2022\/09\/23\/dma-dsa\/\" aria-label=\"Read more about Point sur le cadre l\u00e9gislatif europ\u00e9en sur les services num\u00e9riques\" >\n\t\t\tPlus\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6f11017d\" data-id=\"6f11017d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-69764233 elementor-grid-2 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-widget elementor-widget-posts\" data-id=\"69764233\" data-element_type=\"widget\" data-settings=\"{&quot;classic_columns&quot;:&quot;2&quot;,&quot;classic_columns_tablet&quot;:&quot;2&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]},&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-1231 post type-post status-publish format-standard hentry category-crypto tag-algorithmique tag-bitcoin tag-crypto tag-dai tag-ether tag-mica tag-reglementation-europeenne tag-stablecoins tag-tether\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/pyxans.com\/index.php\/2023\/02\/07\/stablecoins\/\" >\n\t\t\t\tQuelles d\u00e9finition des stablecoins\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/pyxans.com\/index.php\/2023\/02\/07\/stablecoins\/\" aria-label=\"Read more about Quelles d\u00e9finition des stablecoins\" >\n\t\t\tPlus\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-1559 post type-post status-publish format-standard hentry category-lcb-ft tag-acpr tag-lcb-ft tag-sanctions\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/pyxans.com\/index.php\/2023\/12\/05\/panorama-des-sanctions-acpr-prononcees-en-2023\/\" >\n\t\t\t\tPanorama des sanctions ACPR prononc\u00e9es en 2023\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/pyxans.com\/index.php\/2023\/12\/05\/panorama-des-sanctions-acpr-prononcees-en-2023\/\" aria-label=\"Read more about Panorama des sanctions ACPR prononc\u00e9es en 2023\" >\n\t\t\tPlus\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Panorama des sanctions ACPR prononc\u00e9es en 2023 Dans le contexte actuel, la r\u00e9glementation en mati\u00e8re de Lutte contre le Blanchiment de Capitaux et le Financement du<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[25],"tags":[27,29,28],"class_list":["post-1559","post","type-post","status-publish","format-standard","hentry","category-lcb-ft","tag-acpr","tag-lcb-ft","tag-sanctions"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/pyxans.com\/index.php\/wp-json\/wp\/v2\/posts\/1559","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pyxans.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pyxans.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pyxans.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/pyxans.com\/index.php\/wp-json\/wp\/v2\/comments?post=1559"}],"version-history":[{"count":19,"href":"https:\/\/pyxans.com\/index.php\/wp-json\/wp\/v2\/posts\/1559\/revisions"}],"predecessor-version":[{"id":1624,"href":"https:\/\/pyxans.com\/index.php\/wp-json\/wp\/v2\/posts\/1559\/revisions\/1624"}],"wp:attachment":[{"href":"https:\/\/pyxans.com\/index.php\/wp-json\/wp\/v2\/media?parent=1559"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pyxans.com\/index.php\/wp-json\/wp\/v2\/categories?post=1559"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pyxans.com\/index.php\/wp-json\/wp\/v2\/tags?post=1559"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}