{"id":21748,"date":"2024-08-07T12:09:35","date_gmt":"2024-08-07T12:09:35","guid":{"rendered":"https:\/\/www.complycube.com\/?p=21748"},"modified":"2026-05-29T15:51:51","modified_gmt":"2026-05-29T15:51:51","slug":"quest-ce-que-la-propriete-beneficiaire-ultime-ubo","status":"publish","type":"post","link":"https:\/\/www.complycube.com\/fr\/what-is-ultimate-beneficial-ownership-ubo\/","title":{"rendered":"Qu&#039;est-ce que la propri\u00e9t\u00e9 b\u00e9n\u00e9ficiaire ultime (UBO) ?"},"content":{"rendered":"<div class=\"cc-block tldr\">\n<p><strong>TL;DR :<\/strong> Cr\u00e9ation d&#039;une entit\u00e9 <strong>Propri\u00e9t\u00e9 b\u00e9n\u00e9ficiaire ultime<\/strong> Cela peut s&#039;av\u00e9rer complexe et n\u00e9cessite des technologies de connaissance du client (KYB) pour se conformer aux normes. Un b\u00e9n\u00e9ficiaire effectif ultime (UBO) d\u00e9signe la personne ou le groupe de personnes qui contr\u00f4le et est responsable des actions entreprises par une autre entit\u00e9. Ce guide explique ce qu&#039;est un UBO et comment l&#039;identifier. <strong>propri\u00e9t\u00e9 r\u00e9elle.<\/strong><\/p>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">Qu\u2019est-ce qu\u2019un b\u00e9n\u00e9ficiaire effectif ultime ?<\/h2>\n\n\n\n<p>Un UBO est une personne physique ou un groupe de personnes qui poss\u00e8de et\/ou contr\u00f4le une autre entit\u00e9. Les entit\u00e9s peuvent \u00eatre aussi bien un simple \u00eatre humain qu&#039;une institution de plusieurs milliards de dollars. Bien que le propri\u00e9taire effectif puisse contr\u00f4ler une part importante de responsabilit\u00e9, il peut ne pas \u00eatre directement r\u00e9pertori\u00e9 dans les documents officiels d&#039;une entreprise ou dans les registres d&#039;une personne affili\u00e9e.<\/p>\n\n\n\n<p>La d\u00e9finition standard de la propri\u00e9t\u00e9 b\u00e9n\u00e9ficiaire ultime est lorsque 25% (ou plus) est contr\u00f4l\u00e9 par un groupe ou un individu. Une participation aussi importante conf\u00e8re au(x) propri\u00e9taire(s) des niveaux in\u00e9gal\u00e9s pour exercer un contr\u00f4le ultime et effectif.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Qu&#039;est-ce qu&#039;un UBO d&#039;une entreprise ?<\/h3>\n\n\n\n<p>Le propri\u00e9taire effectif d&#039;une entreprise est la personne ou le groupe qui b\u00e9n\u00e9ficie en fin de compte des activit\u00e9s de l&#039;entreprise. Cela signifie qu&#039;il a le pouvoir de prendre des d\u00e9cisions importantes concernant les op\u00e9rations, les finances et l&#039;orientation strat\u00e9gique de l&#039;entreprise.<\/p>\n\n\n\n<p>L&#039;identification de l&#039;UBO est cruciale pour les institutions qui \u00e9tablissent de nouvelles relations commerciales. Elles doivent s&#039;assurer que les op\u00e9rateurs d&#039;une entreprise partenaire sont conformes et op\u00e8rent l\u00e9galement. Le non-respect de cette obligation pourrait entra\u00eener une non-conformit\u00e9 aux exigences financi\u00e8res et r\u00e9glementaires. <a href=\"https:\/\/www.complycube.com\/fr\/solutions\/conformite-aux-exigences-de-diligence-raisonnable\/lutte-contre-le-blanchiment-dargent\/\">Conformit\u00e9 AML<\/a> (AML) ou d\u2019autres amendes pour les entreprises.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Qu\u2019est-ce qu\u2019un propri\u00e9taire effectif d\u2019un particulier ?<\/h3>\n\n\n\n<p>La propri\u00e9t\u00e9 effective d&#039;un individu fait r\u00e9f\u00e9rence \u00e0 une personne qui b\u00e9n\u00e9ficie d&#039;actifs d\u00e9tenus par une autre personne ou entit\u00e9. Ces cas incluent souvent des personnes dont les actifs sont d\u00e9tenus dans des fonds fiduciaires ou via des accords de garde. Dans ces cas, l&#039;UBO a le droit l\u00e9gal d&#039;en tirer des b\u00e9n\u00e9fices ou d&#039;autres avantages \u00e9conomiques, mais le fiduciaire d\u00e9tient la propri\u00e9t\u00e9 l\u00e9gale des actifs.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"577\" src=\"https:\/\/www.complycube.com\/wp-content\/uploads\/2023\/05\/Ultimate-Beneficial-Ownership-UBO-1024x577.jpg\" alt=\"Quelle est la d\u00e9finition de la propri\u00e9t\u00e9 effective ultime (UBO)\u00a0?\" class=\"wp-image-16493\" srcset=\"https:\/\/www.complycube.com\/wp-content\/uploads\/2023\/05\/Ultimate-Beneficial-Ownership-UBO-1024x577.jpg 1024w, https:\/\/www.complycube.com\/wp-content\/uploads\/2023\/05\/Ultimate-Beneficial-Ownership-UBO-300x169.jpg 300w, https:\/\/www.complycube.com\/wp-content\/uploads\/2023\/05\/Ultimate-Beneficial-Ownership-UBO-768x433.jpg 768w, https:\/\/www.complycube.com\/wp-content\/uploads\/2023\/05\/Ultimate-Beneficial-Ownership-UBO-1536x866.jpg 1536w, https:\/\/www.complycube.com\/wp-content\/uploads\/2023\/05\/Ultimate-Beneficial-Ownership-UBO-2048x1154.jpg 2048w, https:\/\/www.complycube.com\/wp-content\/uploads\/2023\/05\/Ultimate-Beneficial-Ownership-UBO-18x10.jpg 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Qu&#039;est-ce que Know Your Business ?<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.complycube.com\/fr\/cas-dutilisation\/traiter\/connaissez-votre-entreprise\/\">Connaissez votre entreprise<\/a> Il s&#039;agit du processus utilis\u00e9 par les institutions pour identifier les ant\u00e9c\u00e9dents des entreprises avec lesquelles elles pourraient travailler. Il s&#039;agit notamment de v\u00e9rifier la structure de propri\u00e9t\u00e9 (propri\u00e9taire effectif ultime), la sant\u00e9 financi\u00e8re et juridique et le respect des lois telles que la r\u00e9glementation AML.<\/p>\n\n\n\n<p>Les solutions KYB utilisent des technologies avanc\u00e9es pour faciliter ce processus en quelques minutes, r\u00e9duisant ainsi le temps consacr\u00e9 \u00e0 la diligence raisonnable et le co\u00fbt d&#039;int\u00e9gration de nouvelles entreprises, tout en permettant la conformit\u00e9 aux r\u00e9glementations dynamiques et potentiellement alambiqu\u00e9es.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">La loi sur la transparence des entreprises (CTA) aux \u00c9tats-Unis<\/h2>\n\n\n\n<p>La loi sur la transparence des entreprises, <a href=\"https:\/\/www.fincen.gov\/news\/news-releases\/us-beneficial-ownership-information-registry-now-accepting-reports\" target=\"_blank\" rel=\"noopener nofollow\" title=\"\">lanc\u00e9 en 2021 mais ne prenant effet qu&#039;\u00e0 partir du <\/a><span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\"><a href=\"https:\/\/www.fincen.gov\/news\/news-releases\/us-beneficial-ownership-information-registry-now-accepting-reports\" target=\"_blank\" rel=\"noopener\">1er janvier 2024<\/a>, exige que les entreprises soumettent des informations particuli\u00e8res concernant les propri\u00e9taires effectifs\u2014<\/span>connus sous le nom de rapports d&#039;information sur la propri\u00e9t\u00e9 effective (rapports BOI). Ces informations doivent \u00eatre envoy\u00e9es au Financial Crimes Enforcement Network (FinCEN)&nbsp;<a href=\"https:\/\/www.nortonrosefulbright.com\/en\/knowledge\/publications\/55b72cd0\/the-corporate-transparency-act-is-here\" target=\"_blank\" rel=\"noopener nofollow\" title=\"\">dans le cadre de la loi am\u00e9ricaine AML de 2020&nbsp;<\/a>et sa mission renouvel\u00e9e visant \u00e0 accro\u00eetre la transparence des entreprises et des structures.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Les donn\u00e9es qu&#039;une entreprise d\u00e9clarante doit soumettre :<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nom l\u00e9gal complet et nom commercial<\/li>\n\n\n\n<li>Adresse \u00e0 jour du si\u00e8ge social de l&#039;entreprise\/du lieu o\u00f9 l&#039;entreprise exerce ses activit\u00e9s<\/li>\n\n\n\n<li>Juridiction o\u00f9 la soci\u00e9t\u00e9 est enregistr\u00e9e<\/li>\n\n\n\n<li>Num\u00e9ro d&#039;identification du contribuable (TIN) de l&#039;Inland Revenue Service (IRS)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Les donn\u00e9es que chaque demandeur d&#039;entreprise et le propri\u00e9taire effectif doivent soumettre :<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nom l\u00e9gal complet<\/li>\n\n\n\n<li>Date de naissance<\/li>\n\n\n\n<li>Adresse r\u00e9sidentielle \u00e0 jour<\/li>\n\n\n\n<li>Num\u00e9ro d&#039;identification personnel et pi\u00e8ce d&#039;identit\u00e9<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"577\" src=\"https:\/\/www.complycube.com\/wp-content\/uploads\/2024\/08\/how-does-the-corporate-transparency-act-work-1024x577.jpg\" alt=\"Qu\u2019est-ce que la loi sur la transparence des entreprises aux \u00c9tats-Unis\u00a0?\" class=\"wp-image-21781\" srcset=\"https:\/\/www.complycube.com\/wp-content\/uploads\/2024\/08\/how-does-the-corporate-transparency-act-work-1024x577.jpg 1024w, https:\/\/www.complycube.com\/wp-content\/uploads\/2024\/08\/how-does-the-corporate-transparency-act-work-300x169.jpg 300w, https:\/\/www.complycube.com\/wp-content\/uploads\/2024\/08\/how-does-the-corporate-transparency-act-work-768x433.jpg 768w, https:\/\/www.complycube.com\/wp-content\/uploads\/2024\/08\/how-does-the-corporate-transparency-act-work-1536x866.jpg 1536w, https:\/\/www.complycube.com\/wp-content\/uploads\/2024\/08\/how-does-the-corporate-transparency-act-work-2048x1154.jpg 2048w, https:\/\/www.complycube.com\/wp-content\/uploads\/2024\/08\/how-does-the-corporate-transparency-act-work-18x10.jpg 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Les difficult\u00e9s li\u00e9es \u00e0 la recherche du b\u00e9n\u00e9ficiaire effectif ultime<\/h2>\n\n\n\n<p>Les entreprises sont confront\u00e9es \u00e0 de nombreux d\u00e9fis lorsqu&#039;elles \u00e9tablissent l&#039;UBO d&#039;une entit\u00e9, d&#039;une institution ou d&#039;un individu. Il s&#039;agit notamment de structures de propri\u00e9t\u00e9 \u00e0 plusieurs niveaux, de l&#039;opacit\u00e9 des donn\u00e9es et des divergences r\u00e9glementaires.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Structures de propri\u00e9t\u00e9 complexes<\/h3>\n\n\n\n<p>L\u2019un des principaux d\u00e9fis \u00e0 relever pour identifier le v\u00e9ritable propri\u00e9taire effectif d\u2019un individu est de s\u2019y retrouver dans des structures de propri\u00e9t\u00e9 complexes. De nombreux particuliers et certaines institutions structurent la propri\u00e9t\u00e9 de leurs actifs ou de leur entreprise selon des dispositifs \u00e0 plusieurs niveaux, en utilisant des soci\u00e9t\u00e9s holding, des fiducies ou des entit\u00e9s offshore pour masquer la v\u00e9ritable propri\u00e9t\u00e9 des actifs ou des capitaux propres.<\/p>\n\n\n\n<p>Ces structures peuvent cr\u00e9er un r\u00e9seau irr\u00e9gulier de propri\u00e9t\u00e9 qui rend difficile de remonter jusqu\u2019au propri\u00e9taire final. Le recours \u00e0 des interm\u00e9diaires ou \u00e0 des pr\u00eate-noms complique encore davantage ce processus, car le titre l\u00e9gal peut ne pas refl\u00e9ter le v\u00e9ritable propri\u00e9taire des actifs. Les institutions doivent parfois aller bien au-del\u00e0 de la propri\u00e9t\u00e9 superficielle pour d\u00e9terminer le v\u00e9ritable b\u00e9n\u00e9ficiaire.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"577\" src=\"https:\/\/www.complycube.com\/wp-content\/uploads\/2024\/08\/UBO-and-complex-structures-1024x577.jpg\" alt=\"Pour les entreprises dont la structure de propri\u00e9t\u00e9 est complexe, une v\u00e9rification compl\u00e8te de l&#039;identit\u00e9 du b\u00e9n\u00e9ficiaire effectif est essentielle.\" class=\"wp-image-21783\" srcset=\"https:\/\/www.complycube.com\/wp-content\/uploads\/2024\/08\/UBO-and-complex-structures-1024x577.jpg 1024w, https:\/\/www.complycube.com\/wp-content\/uploads\/2024\/08\/UBO-and-complex-structures-300x169.jpg 300w, https:\/\/www.complycube.com\/wp-content\/uploads\/2024\/08\/UBO-and-complex-structures-768x433.jpg 768w, https:\/\/www.complycube.com\/wp-content\/uploads\/2024\/08\/UBO-and-complex-structures-1536x866.jpg 1536w, https:\/\/www.complycube.com\/wp-content\/uploads\/2024\/08\/UBO-and-complex-structures-2048x1154.jpg 2048w, https:\/\/www.complycube.com\/wp-content\/uploads\/2024\/08\/UBO-and-complex-structures-18x10.jpg 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Manque de transparence<\/h3>\n\n\n\n<p>De nombreuses r\u00e9gions disposent de lois strictes en mati\u00e8re de confidentialit\u00e9 qui prot\u00e8gent l&#039;identit\u00e9 des b\u00e9n\u00e9ficiaires effectifs, ce qui rend extr\u00eamement difficile l&#039;obtention des informations requises. En r\u00e8gle g\u00e9n\u00e9rale, le manque de transparence sur la propri\u00e9t\u00e9 effective se produit dans les paradis fiscaux ou les juridictions opaques qui offrent un niveau \u00e9lev\u00e9 de confidentialit\u00e9, ce qui peut masquer l&#039;identit\u00e9 des personnes cherchant \u00e0 dissimuler leur propri\u00e9t\u00e9.<\/p>\n\n\n\n<p>Ces lois protectrices, bien que justifi\u00e9es sur le plan juridique, entravent souvent d\u00e9lib\u00e9r\u00e9ment les efforts visant \u00e0 r\u00e9v\u00e9ler les v\u00e9ritables b\u00e9n\u00e9ficiaires des structures financi\u00e8res et des entreprises. Cela pose un d\u00e9fi de taille aux r\u00e9gulateurs souhaitant pr\u00e9venir la criminalit\u00e9 financi\u00e8re et aux institutions financi\u00e8res, entre autres entreprises, \u00e0 la recherche de partenariats s\u00fbrs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Des r\u00e9glementations incoh\u00e9rentes<\/h3>\n\n\n\n<p>L\u2019incoh\u00e9rence des r\u00e9glementations entre les juridictions peut constituer un autre obstacle de taille pour les entreprises. L\u2019absence de norme mondiale pour identifier les b\u00e9n\u00e9ficiaires effectifs ultimes des entit\u00e9s juridiques permet \u00e0 diff\u00e9rents pays de d\u00e9finir diff\u00e9remment la propri\u00e9t\u00e9 effective. Des r\u00e9glementations fragment\u00e9es conduisent \u00e0 des m\u00e9thodes disparates d\u2019identification des b\u00e9n\u00e9ficiaires effectifs ultimes.<\/p>\n\n\n\n<p>Cette divergence de r\u00e9glementation signifie que les entreprises peuvent \u00eatre amen\u00e9es \u00e0 employer diff\u00e9rentes m\u00e9thodes d\u2019identification dans diff\u00e9rentes r\u00e9gions o\u00f9 l\u2019entreprise op\u00e8re, ce qui entra\u00eene des co\u00fbts de conformit\u00e9 \u00e9lev\u00e9s pour faciliter diff\u00e9rentes m\u00e9thodes de v\u00e9rification UBO.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"577\" src=\"https:\/\/www.complycube.com\/wp-content\/uploads\/2024\/08\/inconsistent-regulations-impact-on-ubo-checks-1024x577.jpg\" alt=\"L&#039;image illustre l&#039;incoh\u00e9rence des r\u00e9glementations mondiales et son impact sur la v\u00e9rification des b\u00e9n\u00e9ficiaires effectifs.\" class=\"wp-image-21760\" srcset=\"https:\/\/www.complycube.com\/wp-content\/uploads\/2024\/08\/inconsistent-regulations-impact-on-ubo-checks-1024x577.jpg 1024w, https:\/\/www.complycube.com\/wp-content\/uploads\/2024\/08\/inconsistent-regulations-impact-on-ubo-checks-300x169.jpg 300w, https:\/\/www.complycube.com\/wp-content\/uploads\/2024\/08\/inconsistent-regulations-impact-on-ubo-checks-768x433.jpg 768w, https:\/\/www.complycube.com\/wp-content\/uploads\/2024\/08\/inconsistent-regulations-impact-on-ubo-checks-1536x866.jpg 1536w, https:\/\/www.complycube.com\/wp-content\/uploads\/2024\/08\/inconsistent-regulations-impact-on-ubo-checks-2048x1154.jpg 2048w, https:\/\/www.complycube.com\/wp-content\/uploads\/2024\/08\/inconsistent-regulations-impact-on-ubo-checks-18x10.jpg 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Utilisation des fiducies et des fondations<\/h3>\n\n\n\n<p>Les fiducies et les fondations peuvent s\u00e9parer la propri\u00e9t\u00e9 l\u00e9gale et la propri\u00e9t\u00e9 b\u00e9n\u00e9ficiaire, ce qui complique encore davantage l&#039;identification des b\u00e9n\u00e9ficiaires effectifs. Les fiduciaires d\u00e9tiennent les droits l\u00e9gaux sur les actifs en question, mais les b\u00e9n\u00e9ficiaires b\u00e9n\u00e9ficient des avantages.<\/p>\n\n\n\n<p>L&#039;identification de l&#039;UBO peut s&#039;av\u00e9rer difficile pour diverses raisons, notamment le pouvoir discr\u00e9tionnaire du fiduciaire, les accords de confidentialit\u00e9 et les droits d&#039;actifs dynamiques. Les fondations masquent la propri\u00e9t\u00e9 des fonds en s\u00e9parant le contr\u00f4le et les avantages des actifs sous-jacents.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Dissimulation d\u00e9lib\u00e9r\u00e9e<\/h3>\n\n\n\n<p>Les personnes ou entreprises malveillantes qui contreviennent sciemment aux lois anti-blanchiment peuvent choisir de dissimuler d\u00e9lib\u00e9r\u00e9ment la v\u00e9ritable nature et la propri\u00e9t\u00e9 d&#039;une institution. Les soci\u00e9t\u00e9s \u00e9crans, les instruments financiers sophistiqu\u00e9s ou les actionnaires nominatifs sont autant de m\u00e9thodes viables pour dissimuler d\u00e9lib\u00e9r\u00e9ment la v\u00e9ritable propri\u00e9t\u00e9 de grandes entit\u00e9s.<\/p>\n\n\n\n<p>Ces tactiques \u00e9vasives visent \u00e0 masquer la v\u00e9ritable propri\u00e9t\u00e9 et la valeur de la participation, ce qui rend difficile pour les autorit\u00e9s ou d\u2019autres entreprises d\u2019identifier le b\u00e9n\u00e9ficiaire effectif ultime. Les activit\u00e9s frauduleuses, telles que l\u2019utilisation de fausses informations pour dissimuler les v\u00e9ritables propri\u00e9taires, augmentent la complexit\u00e9 de l\u2019identification r\u00e9elle des b\u00e9n\u00e9ficiaires effectifs ultimes. La lutte contre ces d\u00e9fis, ainsi que les autres \u00e9num\u00e9r\u00e9s ci-dessus, n\u00e9cessite des processus AML et KYC robustes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Technologie et ressources<\/h3>\n\n\n\n<p>L\u2019identification des b\u00e9n\u00e9ficiaires effectifs est donc un exercice qui n\u00e9cessite des ressources importantes et des technologies sophistiqu\u00e9es pour \u00eatre r\u00e9alis\u00e9e de mani\u00e8re efficace et abordable. Les petites entreprises disposant de ressources limit\u00e9es peuvent avoir du mal \u00e0 mettre en \u0153uvre des syst\u00e8mes robustes de suivi et de v\u00e9rification des b\u00e9n\u00e9ficiaires effectifs. Les obstacles technologiques, tels que des syst\u00e8mes informatiques obsol\u00e8tes ou incompatibles, peuvent entraver le partage et le traitement efficaces des donn\u00e9es sur la propri\u00e9t\u00e9 effective.<\/p>\n\n\n\n<p>Le GAFI recommande aux entreprises d\u2019investir dans des technologies modernes et des ressources connexes pour surmonter ces d\u00e9fis. Cela permettra aux entreprises et aux organismes de r\u00e9glementation de rationaliser les processus, d\u2019am\u00e9liorer l\u2019exactitude des donn\u00e9es et de garantir le respect des exigences de transparence.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.complycube.com\/wp-content\/uploads\/2024\/08\/companies-house-economic-crime-and-corporate-transparency-act-complycube-1-1024x576.jpg\" alt=\"Cette image met en \u00e9vidence le contr\u00f4le exerc\u00e9 par Companies House au Royaume-Uni dans le cadre de la loi sur la criminalit\u00e9 \u00e9conomique et la transparence des entreprises.\" class=\"wp-image-21766\" srcset=\"https:\/\/www.complycube.com\/wp-content\/uploads\/2024\/08\/companies-house-economic-crime-and-corporate-transparency-act-complycube-1-1024x576.jpg 1024w, https:\/\/www.complycube.com\/wp-content\/uploads\/2024\/08\/companies-house-economic-crime-and-corporate-transparency-act-complycube-1-300x169.jpg 300w, https:\/\/www.complycube.com\/wp-content\/uploads\/2024\/08\/companies-house-economic-crime-and-corporate-transparency-act-complycube-1-768x432.jpg 768w, https:\/\/www.complycube.com\/wp-content\/uploads\/2024\/08\/companies-house-economic-crime-and-corporate-transparency-act-complycube-1-1536x864.jpg 1536w, https:\/\/www.complycube.com\/wp-content\/uploads\/2024\/08\/companies-house-economic-crime-and-corporate-transparency-act-complycube-1-18x10.jpg 18w, https:\/\/www.complycube.com\/wp-content\/uploads\/2024\/08\/companies-house-economic-crime-and-corporate-transparency-act-complycube-1.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Dans son&nbsp;<a href=\"https:\/\/www.fatf-gafi.org\/content\/dam\/fatf-gafi\/guidance\/Guidance-Beneficial-Ownership-Legal-Persons.pdf.coredownload.pdf\" target=\"_blank\" rel=\"noopener nofollow\" title=\"\">mise \u00e0 jour de la recommandation 24,<\/a>&nbsp;Le Groupe d&#039;action financi\u00e8re (GAFI) fournit des lignes directrices sur la mani\u00e8re dont les entreprises doivent identifier les b\u00e9n\u00e9ficiaires effectifs \u00e0 un niveau unifi\u00e9 et mondial. En outre, le Royaume-Uni a publi\u00e9 son <a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/2023\/56\" target=\"_blank\" rel=\"noopener nofollow\" title=\"\">Loi sur les crimes \u00e9conomiques et la transparence des entreprises<\/a> En 2023\/24, elle renforcera l&#039;autorit\u00e9 de Companies House et \u00e9tablira une nouvelle norme mondiale. Cette loi d\u00e9montre l&#039;ambition du Royaume-Uni de fournir les ressources et de cr\u00e9er un environnement pour lutter contre le blanchiment d&#039;argent.<\/p>\n\n\n<div class=\"cc-block case-study\">\n<h3><strong>\u00c9tude de cas\u00a0: Renforcer la s\u00e9curit\u00e9 et l\u2019agilit\u00e9 tout en maximisant la croissance mondiale<\/strong><\/h3>\n<h5 data-pm-slice=\"1 1 [\"><strong>La complexit\u00e9 de la conformit\u00e9 dans les juridictions mondiales<\/strong><\/h5>\n<p data-pm-slice=\"1 1 [\">Bots, pionnier mondial de l&#039;innovation blockchain, ambitionnait d&#039;\u00e9tendre ses activit\u00e9s \u00e0 l&#039;international. Cependant, le volume important de v\u00e9rifications et les op\u00e9rations transfrontali\u00e8res repr\u00e9sentaient un d\u00e9fi majeur\u00a0: garantir le respect int\u00e9gral des r\u00e9glementations en mati\u00e8re de lutte contre le blanchiment d&#039;argent et de v\u00e9rification d&#039;identit\u00e9 dans les diff\u00e9rents pays.<\/p>\n<h5 data-pm-slice=\"1 1 [\"><strong>Le besoin de rapidit\u00e9, de conformit\u00e9 et d&#039;op\u00e9rations agiles<\/strong><\/h5>\n<p data-pm-slice=\"1 1 [\">La conformit\u00e9 transfrontali\u00e8re \u00e0 grande \u00e9chelle oblige souvent les entreprises \u00e0 choisir entre rapidit\u00e9 et s\u00e9curit\u00e9. Bots, en revanche, a cherch\u00e9 \u00e0 concilier les deux. L&#039;entreprise s&#039;est associ\u00e9e \u00e0 ComplyCube pour soutenir sa croissance rapide. Gr\u00e2ce \u00e0 des flux de travail automatis\u00e9s sans code ou \u00e0 faible code, Bots a pu rationaliser le filtrage anti-blanchiment d&#039;argent, les v\u00e9rifications d&#039;adresse et la v\u00e9rification biom\u00e9trique sur une seule plateforme, sans n\u00e9cessiter d&#039;importantes ressources informatiques.<\/p>\n<h5><strong>Solutions et r\u00e9sultats<\/strong><\/h5>\n<ul data-pm-slice=\"3 3 [\">\n<li>\n<p id=\"\" data-pm-slice=\"1 1 [\">Les bots ont pu int\u00e9grer 98% clients en moins de 30 secondes gr\u00e2ce \u00e0 des contr\u00f4les automatis\u00e9s AML et KYC.<\/p>\n<\/li>\n<li>\n<p id=\"\" data-pm-slice=\"1 1 [\">L&#039;entreprise a \u00e9tendu ses activit\u00e9s \u00e0 plus de 34 pays avec assurance, en utilisant des mod\u00e8les de flux de travail pr\u00eats \u00e0 l&#039;emploi et personnalisables.<\/p>\n<\/li>\n<li>\n<p id=\"\" data-pm-slice=\"1 1 [\">ComplyCube a pu fournir une v\u00e9rification \u00e0 plusieurs niveaux adapt\u00e9e aux risques sp\u00e9cifiques \u00e0 chaque secteur et pays, prenant en charge la conformit\u00e9 KYC et AML.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">Le r\u00f4le des solutions Know Your Business<\/h2>\n\n\n\n<p>Les solutions KYB jouent un r\u00f4le crucial dans l\u2019\u00e9tablissement et le maintien de la conformit\u00e9 aux r\u00e9glementations internationales telles que l\u2019identification des b\u00e9n\u00e9ficiaires effectifs. Know Your Business est con\u00e7u pour aider les entreprises \u00e0 g\u00e9rer les complexit\u00e9s li\u00e9es \u00e0 l\u2019identification et \u00e0 la v\u00e9rification des b\u00e9n\u00e9ficiaires effectifs de leurs partenaires, clients et autres entit\u00e9s avec lesquelles elles interagissent.<\/p>\n\n\n\n<p>En tirant parti des technologies KYB, telles que ComplyCube, les entreprises peuvent consid\u00e9rablement rationaliser leurs processus de diligence raisonnable, r\u00e9duire les risques associ\u00e9s aux d\u00e9lits financiers et au blanchiment d&#039;argent et garantir le respect des r\u00e9glementations locales et internationales en mati\u00e8re de lutte contre le blanchiment d&#039;argent.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Il est temps d\u2019adopter la technologie de conformit\u00e9<\/h3>\n\n\n\n<p>L\u2019int\u00e9gration de technologies sophistiqu\u00e9es, telles que l\u2019intelligence artificielle (IA) et l\u2019apprentissage automatique (ML), est essentielle pour assurer un processus d\u2019identification rapide. Lorsqu\u2019elle est associ\u00e9e \u00e0 une interface utilisateur (UI) et une exp\u00e9rience utilisateur (UX) \u00e9pur\u00e9es, les processus de conformit\u00e9 sont consid\u00e9rablement simplifi\u00e9s en termes de temps et de co\u00fbts consacr\u00e9s \u00e0 la diligence raisonnable.<\/p>\n\n\n<div class=\"cc-block key-takeaways\">\n<h3>Points cl\u00e9s \u00e0 retenir<\/h3>\n<ul>\n<li><b>Un UBO peut faire r\u00e9f\u00e9rence <\/b>\u00e0 la personne ou au groupe de personnes qui, en d\u00e9finitive, poss\u00e8de, contr\u00f4le ou est responsable d&#039;une entit\u00e9.<\/li>\n<li><b>V\u00e9rifier que l&#039;UBO est <\/b>\u00e9l\u00e9ment essentiel de la lutte contre le blanchiment d&#039;argent et du contr\u00f4le de l&#039;identit\u00e9 des clients (KYC), car il confirme avec qui une personne ou une entit\u00e9 fait affaire.<\/li>\n<li><b>Structures de propri\u00e9t\u00e9 complexes <\/b>peut masquer le v\u00e9ritable b\u00e9n\u00e9ficiaire effectif, exigeant des m\u00e9thodes de tra\u00e7age et de v\u00e9rification plus compl\u00e8tes.<\/li>\n<li><b>Contr\u00f4les UBO efficaces <\/b>aider les entreprises \u00e0 d\u00e9tecter les entit\u00e9s suspectes ou dissimul\u00e9es, r\u00e9duisant ainsi les risques de fraude.<\/li>\n<li><b>Diverses juridictions <\/b>Elles sont soumises \u00e0 leurs propres exigences de v\u00e9rification des b\u00e9n\u00e9ficiaires effectifs, notamment en mati\u00e8re d&#039;obligations de d\u00e9claration et de divulgation.<\/li>\n<\/ul>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">La solution KYB de ComplyCube<\/h2>\n\n\n\n<p>ComplyCube est un fournisseur leader de services de connaissance du client (KYC) et de KYB. Ses services sont activement utilis\u00e9s dans le monde entier pour s&#039;orienter dans les structures juridiques et commerciales complexes utilis\u00e9es par les entreprises pour masquer l&#039;identit\u00e9 et la propri\u00e9t\u00e9 r\u00e9elle.<\/p>\n\n\n\n<p>L&#039;entreprise mondiale de conformit\u00e9 AML \u00e9tablit de nouveaux pr\u00e9c\u00e9dents en mati\u00e8re de temps d&#039;int\u00e9gration. Avec une solution h\u00e9berg\u00e9e sans code, \u00e0 faible code ou une int\u00e9gration compl\u00e8te, les entreprises partenaires ont la possibilit\u00e9 de commencer \u00e0 utiliser le produit h\u00e9berg\u00e9 de ComplyCube en moins d&#039;une journ\u00e9e ou d&#039;int\u00e9grer enti\u00e8rement ses solutions AML dans leur pile technologique de conformit\u00e9 existante.<\/p>\n\n\n\n<p>En savoir plus sur l&#039;offre de conformit\u00e9 de ComplyCube en <a href=\"https:\/\/www.complycube.com\/fr\/contactez\/contacter-le-service-commercial\/\">Contactez d\u00e8s aujourd&#039;hui un sp\u00e9cialiste KYB et AML.<\/a><\/p>\n\n\n\n<div class=\"cc-accordion\">\n  <h2>Questions fr\u00e9quemment pos\u00e9es<\/h2>\n  <details>\n    <summary>Qu&#039;est-ce que la propri\u00e9t\u00e9 b\u00e9n\u00e9ficiaire ultime (UBO) ? <\/summary>\n    <p>Le terme \u00ab\u00a0b\u00e9n\u00e9ficiaire effectif\u00a0\u00bb (UBO) d\u00e9signe une personne ou un groupe de personnes qui, en dernier ressort, poss\u00e8de ou contr\u00f4le une autre entit\u00e9. Une personne peut \u00eatre un UBO sans \u00eatre officiellement d\u00e9sign\u00e9e comme propri\u00e9taire. De ce fait, identifier un UBO peut s&#039;av\u00e9rer complexe, car il peut dissimuler sa v\u00e9ritable identit\u00e9, notamment au sein de structures de gestion complexes. <\/p>\n  <\/details>\n  <details>\n    <summary>Pourquoi les entreprises doivent-elles identifier le b\u00e9n\u00e9ficiaire effectif ultime\u00a0?<\/summary>\n    <p>La v\u00e9rification des b\u00e9n\u00e9ficiaires effectifs (UBO) est une exigence fondamentale en mati\u00e8re de connaissance du client (KYC) et de lutte contre le blanchiment d&#039;argent (AML). Elle permet aux entreprises d&#039;identifier les personnes physiques ou morales qui exercent une influence significative sur leurs activit\u00e9s. La v\u00e9rification des UBO garantit la transparence des relations d&#039;affaires et met au jour les \u00e9ventuels abus de structures juridiques pouvant servir \u00e0 dissimuler des infractions financi\u00e8res.<\/p>\n  <\/details>\n  <details>\n    <summary>Comment effectuer la v\u00e9rification de la propri\u00e9t\u00e9 effective ultime\u00a0?<\/summary>\n    <p>La proc\u00e9dure habituelle de v\u00e9rification des b\u00e9n\u00e9ficiaires effectifs (UBO) repose sur une connaissance approfondie du client (KYC), incluant la collecte des certificats d&#039;immatriculation, des pi\u00e8ces d&#039;identit\u00e9 et des documents relatifs aux actionnaires. Elle n\u00e9cessite \u00e9galement de retracer la structure de propri\u00e9t\u00e9 en identifiant les soci\u00e9t\u00e9s interm\u00e9diaires, les fiducies ou les soci\u00e9t\u00e9s holding. Enfin, elle comprend un contr\u00f4le de conformit\u00e9 \u00e0 la r\u00e9glementation anti-blanchiment d&#039;argent (AML) de l&#039;UBO identifi\u00e9, incluant la v\u00e9rification des listes de surveillance, le contr\u00f4le des sanctions et un suivi continu.<\/p>\n  <\/details>\n  <details>\n    <summary>Les r\u00e8gles de v\u00e9rification de la propri\u00e9t\u00e9 effective ultime sont-elles les m\u00eames partout\u00a0?<\/summary>\n    <p>Non, les r\u00e8gles de v\u00e9rification et de d\u00e9claration des b\u00e9n\u00e9ficiaires effectifs varient selon les juridictions. Par exemple, au Royaume-Uni, les entreprises doivent effectuer une v\u00e9rification d&#039;identit\u00e9 (KYC) pour toute personne exer\u00e7ant un contr\u00f4le significatif (PSC) sur plus de 251\u00a0000 actions ou droits de vote de l&#039;entit\u00e9. Aux \u00c9tats-Unis, la r\u00e9glementation du FinCEN relative \u00e0 la propri\u00e9t\u00e9 effective impose aux entreprises de d\u00e9clarer les personnes physiques d\u00e9tenant au moins 251\u00a0000 actions ou droits de vote de l&#039;entreprise ou exer\u00e7ant un contr\u00f4le substantiel sur celle-ci.<\/p>\n  <\/details>\n  <details>\n    <summary>Comment la v\u00e9rification du b\u00e9n\u00e9ficiaire effectif ultime permet-elle de pr\u00e9venir la fraude\u00a0?<\/summary>\n    <p>La v\u00e9rification des b\u00e9n\u00e9ficiaires effectifs (UBO) est essentielle aux r\u00e9glementations KYC et AML. Elle permet de pr\u00e9venir la fraude et autres d\u00e9lits financiers en renfor\u00e7ant la transparence des structures d&#039;entreprise. Par exemple, elle r\u00e9v\u00e8le l&#039;identit\u00e9 des personnes qui contr\u00f4lent les entreprises de mani\u00e8re occulte, emp\u00eache les fraudeurs de cr\u00e9er des soci\u00e9t\u00e9s fictives et bloque le d\u00e9tournement de fonds illicites via des structures complexes.<\/p>\n  <\/details>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>L&#039;\u00e9tablissement de la propri\u00e9t\u00e9 effective ultime (UBO) d&#039;une entit\u00e9 peut \u00eatre difficile et n\u00e9cessite des technologies de connaissance de votre entreprise (KYB) pour permettre la conformit\u00e9. La signification courante de l&#039;UBO est la ou les personnes qui contr\u00f4lent une autre entit\u00e9 distincte.<\/p>","protected":false},"author":17,"featured_media":21776,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[6],"tags":[67],"class_list":["post-21748","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guides","tag-know-your-business"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"Know Your Business (KYB) enables the identification of an Ultimate Beneficial Owner. 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