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Safety and legal framework on preventing of use of the financial system for money laundering according to solutions of directive (eu) 2015/849

Directive (EU) 2015/849 on the prevention of the use of the financial system for the purpose of money laundering or terrorist financing replaces Regulation (EU) 648/2012 and exempts Directive 2005/60 / EC and 2006/70 / EC and upholds the legislative basis for preventing the use of the financial system for the purpose of money laundering or terrorist financing. The fact is that illegal cash flows may endanger the stability of the financial system as a whole or a specific sector of that system. This can undermine the stability of the European Union's internal market. For this reason, Directive (EU) 2015/849, the fourth dealing with money laundering, has guidelines to protect society against criminal activities such as money laundering and the protection of the stability of the European Union market as well as the markets of each of its members separately. An important part in this process is the national risk assessment of money laundering and terrorist financing that has the purpose of identifying Member States money laundering risks and setting specific targets in the fight against these same threats. In order to do so, it is important to have quality information in a timely manner, statistically based and complemented by intelligence agencies, expert opinions and clear data from the private and public sector. In order to facilitate Member States transitional period for the implementation of the Directive (EU) 2015/849 on the prevention of the use of the financial system for the purpose of money laundering or terrorist financing, the Financial Action Task Force on money laundering and terrorist financing (FATF) establishes certain standards and recommendations for easier implementation of the Directive. Accordingly, it is important to distinguish key concepts such as risk, threat, vulnerability, and consequence, so that the money laundering risk assessment itself could be applied in further steps to mitigate and prevent such risks

financial system ; legal framework ; money laundering ; national risk assessment ; security

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