{"id":669,"date":"2021-02-17T18:26:50","date_gmt":"2021-02-17T18:26:50","guid":{"rendered":"http:\/\/new.complycube.io\/what-is-a-sanctions-screening\/"},"modified":"2026-05-06T14:49:37","modified_gmt":"2026-05-06T14:49:37","slug":"quest-ce-que-le-filtrage-des-sanctions","status":"publish","type":"post","link":"https:\/\/www.complycube.com\/fr\/what-is-sanctions-screening\/","title":{"rendered":"Qu&#039;est-ce que le filtrage des sanctions\u00a0?"},"content":{"rendered":"<div class=\"cc-block tldr\">\n<p><strong>TL;DR :<\/strong> Les contr\u00f4les des sanctions sont essentiels \u00e0 la conformit\u00e9 en mati\u00e8re de lutte contre le blanchiment d&#039;argent et le financement du terrorisme. Ils aident les entreprises \u00e0 identifier les sanctions. <strong>limit\u00e9<\/strong> Ce guide explique le fonctionnement du filtrage des sanctions et le r\u00f4le de ce filtre pour les individus, les entit\u00e9s et les transactions, et r\u00e9duit ainsi le risque de criminalit\u00e9 financi\u00e8re. <strong>solutions de contr\u00f4le des sanctions <\/strong>en conformit\u00e9 effective.<\/p>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">Pourquoi le contr\u00f4le des sanctions est-il important\u00a0?<\/h2>\n\n\n\n<p>Le contr\u00f4le des sanctions est essentiel pour que les institutions financi\u00e8res se conforment \u00e0 la r\u00e9glementation et pr\u00e9viennent le blanchiment d&#039;argent. Gr\u00e2ce \u00e0 ce contr\u00f4le, les entreprises peuvent v\u00e9rifier que leurs clients et entit\u00e9s ne figurent pas sur les listes de sanctions internationales avant leur int\u00e9gration \u00e0 leur plateforme. Un syst\u00e8me de contr\u00f4le des sanctions efficace automatise l&#039;ensemble du processus, permettant un contr\u00f4le LCB-FT en temps r\u00e9el et r\u00e9duisant les faux positifs.<\/p>\n\n\n\n<p>Les avanc\u00e9es technologiques, telles que l&#039;automatisation des processus robotis\u00e9s et l&#039;IA, rationalisent encore davantage les op\u00e9rations de conformit\u00e9, r\u00e9duisant ainsi les lacunes potentiellement caus\u00e9es par les contr\u00f4les manuels. Face \u00e0 l&#039;\u00e9volution constante du paysage des sanctions, il est primordial de comprendre les implications op\u00e9rationnelles et r\u00e9glementaires.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Que sont les Sanctions ?<\/h2>\n\n\n\n<p>Les pays ou les organismes de r\u00e9glementation appliquent des sanctions afin de restreindre certaines activit\u00e9s ou relations avec des r\u00e9gions, des entit\u00e9s ou des individus sp\u00e9cifiques. Ces sanctions visent g\u00e9n\u00e9ralement \u00e0 contrer les menaces \u00e0 la s\u00e9curit\u00e9 nationale ou \u00e0 la paix internationale, les violations des droits de l&#039;homme et les activit\u00e9s illicites. Elles peuvent prendre diverses formes, telles que des restrictions financi\u00e8res, des embargos commerciaux et des interdictions de voyager.<\/p>\n\n\n\n<p>Certains des organes directeurs et de sanction les plus importants comprennent:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Les Nations Unies<\/strong>&nbsp;(<a title=\"\" href=\"https:\/\/www.un.org\/securitycouncil\/content\/un-sc-consolidated-list\" target=\"_blank\" rel=\"noopener nofollow\">ONU<\/a>): Les sanctions s&#039;appliquent \u00e0 tous les \u00c9tats-nations de l&#039;ONU, englobant un large \u00e9ventail de restrictions et de mesures.<\/li>\n\n\n\n<li><strong>Bureau de contr\u00f4le des avoirs \u00e9trangers<\/strong>&nbsp;(<a title=\"\" href=\"https:\/\/ofac.treasury.gov\/\" target=\"_blank\" rel=\"noopener nofollow\">OFAC<\/a>): Les sanctions de l&#039;OFAC s&#039;\u00e9tendent \u00e0 tous les citoyens, individus et institutions am\u00e9ricains exer\u00e7ant des activit\u00e9s commerciales aux \u00c9tats-Unis ou en relation avec ceux-ci, ainsi qu&#039;\u00e0 ceux qui effectuent des transactions en utilisant la devise am\u00e9ricaine.<\/li>\n\n\n\n<li><strong>Service d&#039;action ext\u00e9rieure de l&#039;Union europ\u00e9enne<\/strong>&nbsp;(<a title=\"\" href=\"https:\/\/www.eeas.europa.eu\/eeas\/about-european-external-action-service_en#:~:text=The%20European%20External%20Action%20Service%20(EEAS)%20is%20the%20European%20Union%27s,of%20Europeans%20across%20the%20globe.\" target=\"_blank\" rel=\"noopener nofollow\">SEAE UE<\/a>): Les sanctions du SEAE de l&#039;UE affectent tous les citoyens de l&#039;UE et les personnes morales \u00e9tablies dans l&#039;un des \u00c9tats membres.<\/li>\n\n\n\n<li><strong>Tr\u00e9sor de Sa Majest\u00e9<\/strong>&nbsp;(<a title=\"\" href=\"https:\/\/www.gov.uk\/government\/publications\/financial-sanctions-consolidated-list-of-targets\/consolidated-list-of-targets\" target=\"_blank\" rel=\"noopener nofollow\">HMT<\/a>): Cet organisme supervise la liste des sanctions du Royaume-Uni, qui s&#039;applique aux personnes physiques et morales travaillant ou menant des activit\u00e9s sur le territoire et en vertu du droit britannique. L&#039;Office d&#039;application des sanctions financi\u00e8res (OFSI) applique ces sanctions.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" width=\"1024\" height=\"577\" src=\"https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/sanctions-and-regulatory-bodies-complycube-1024x577.jpg\" alt=\"Carte Complycube des sanctions mondiales et des r\u00e9gulateurs de la lutte contre le blanchiment d&#039;argent, y compris le GAF, le FINCEN, la FCA, l&#039;UE, l&#039;AMLD, le MAS, l&#039;Austrac et la FSCA\" class=\"wp-image-16956\" srcset=\"https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/sanctions-and-regulatory-bodies-complycube-1024x577.jpg 1024w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/sanctions-and-regulatory-bodies-complycube-300x169.jpg 300w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/sanctions-and-regulatory-bodies-complycube-768x433.jpg 768w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/sanctions-and-regulatory-bodies-complycube-1536x866.jpg 1536w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/sanctions-and-regulatory-bodies-complycube-2048x1154.jpg 2048w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/sanctions-and-regulatory-bodies-complycube-18x10.jpg 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Qu&#039;est-ce qu&#039;une liste de sanctions\u00a0?<\/h2>\n\n\n\n<p>Une liste de sanctions est un document public \u00e9mis par des autorit\u00e9s nationales ou internationales, telles que celles mentionn\u00e9es pr\u00e9c\u00e9demment. Ces listes sont r\u00e9guli\u00e8rement mises \u00e0 jour et comprennent des informations sur les personnes, entit\u00e9s, territoires ou pays faisant l&#039;objet de restrictions \u00e9conomiques ou juridiques.<\/p>\n\n\n\n<p>Les personnes ou parties identifi\u00e9es sur ces listes de sanctions peuvent se voir refuser l&#039;acc\u00e8s aux syst\u00e8mes financiers, \u00eatre restreintes dans le commerce ou soumises \u00e0 d&#039;autres limitations dans le cadre de mesures punitives ou pr\u00e9ventives.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Types de sanctions<\/h2>\n\n\n\n<p>Le respect des sanctions n&#039;est pas seulement une obligation l\u00e9gale. Les sanctions \u00e9conomiques et les restrictions commerciales jouent un r\u00f4le crucial dans le maintien d&#039;un environnement commercial s\u00fbr et fiable et emp\u00eachent la facilitation d&#039;activit\u00e9s ill\u00e9gales telles que le financement du terrorisme, le blanchiment d&#039;argent et d&#039;autres crimes financiers.<\/p>\n\n\n\n<p>Des restrictions peuvent \u00eatre appliqu\u00e9es \u00e0 diff\u00e9rents niveaux :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Sanctions explicites<\/strong>&nbsp;nommer directement le sujet, qu&#039;il s&#039;agisse d&#039;un individu, d&#039;une entit\u00e9 ou d&#039;un pays.<\/li>\n\n\n\n<li><strong>Sanctions narratives ou implicites<\/strong>&nbsp;ne nommez pas sp\u00e9cifiquement une personne ou une entit\u00e9. Au lieu de cela, le r\u00e9cit les couvre implicitement en raison de leurs liens avec une entit\u00e9 ou un secteur sanctionn\u00e9 nomm\u00e9.<\/li>\n<\/ul>\n\n\n\n<p>D&#039;un point de vue \u00e9conomique, les sanctions peuvent se mat\u00e9rialiser en :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Sanctions globales\u00a0:<\/strong>&nbsp;imposer des restrictions sur toutes les transactions avec un pays sp\u00e9cifique. Quelques exemples incluent l&#039;Iran, Cuba et le Soudan.<\/li>\n\n\n\n<li><strong>Sanctions cibl\u00e9es :<\/strong>\u00a0limiter les transactions avec des personnes physiques ou morales sp\u00e9cifiques, ou des personnes physiques ou morales figurant sur la liste <a href=\"https:\/\/ofac.treasury.gov\/faqs\/topic\/1631\" target=\"_blank\" rel=\"noopener nofollow\" title=\"\">Ressortissants sp\u00e9cialement d\u00e9sign\u00e9s et personnes bloqu\u00e9es (SDN)<\/a> Liste tenue \u00e0 jour par l&#039;OFAC. La Russie en est un parfait exemple.<\/li>\n\n\n\n<li><strong>Sanctions sectorielles :<\/strong>&nbsp;visant \u00e0 entraver le d\u00e9veloppement futur de secteurs sp\u00e9cifiques au sein d&#039;une \u00e9conomie en interdisant un sous-ensemble sp\u00e9cifique de transactions financi\u00e8res li\u00e9es \u00e0 ces secteurs.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" width=\"1024\" height=\"577\" src=\"https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/Sanctions-Screening-Taxnomy-by-ComplyCube-1024x378-1-1024x577.jpg\" alt=\"Infographie sur le filtrage des sanctions Complycube montrant les types de sanctions des autorit\u00e9s et les entit\u00e9s couvertes\" class=\"wp-image-16968\" srcset=\"https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/Sanctions-Screening-Taxnomy-by-ComplyCube-1024x378-1-1024x577.jpg 1024w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/Sanctions-Screening-Taxnomy-by-ComplyCube-1024x378-1-300x169.jpg 300w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/Sanctions-Screening-Taxnomy-by-ComplyCube-1024x378-1-768x433.jpg 768w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/Sanctions-Screening-Taxnomy-by-ComplyCube-1024x378-1-1536x866.jpg 1536w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/Sanctions-Screening-Taxnomy-by-ComplyCube-1024x378-1-2048x1154.jpg 2048w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/Sanctions-Screening-Taxnomy-by-ComplyCube-1024x378-1-18x10.jpg 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Comprendre les solutions de filtrage des sanctions<\/h2>\n\n\n\n<p>Le contr\u00f4le des sanctions est un \u00e9l\u00e9ment essentiel d&#039;un programme efficace de lutte contre le blanchiment d&#039;argent et le financement du terrorisme. Il consiste \u00e0 v\u00e9rifier les clients, partenaires et transactions actuels et potentiels d&#039;une organisation au regard des listes de sanctions internationales afin d&#039;identifier les risques financiers et de garantir la conformit\u00e9 aux r\u00e9glementations internationales. <\/p>\n\n\n\n<p>Le processus comprend g\u00e9n\u00e9ralement six \u00e9tapes cl\u00e9s utilisant des m\u00e9thodes de d\u00e9pistage technologiques avanc\u00e9es\u00a0:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00c9tape 1 : Recueillir<\/h3>\n\n\n\n<p>La premi\u00e8re \u00e9tape consiste \u00e0 collecter les donn\u00e9es n\u00e9cessaires qui seront compar\u00e9es \u00e0 une liste de sanctions. Cela inclut g\u00e9n\u00e9ralement des informations sur les clients, les partenaires commerciaux potentiels et les transactions. Les donn\u00e9es collect\u00e9es peuvent inclure des noms, adresses, dates de naissance, nationalit\u00e9 et autres d\u00e9tails pertinents.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00c9tape 2 : Valider<\/h3>\n\n\n\n<p>Une fois les donn\u00e9es collect\u00e9es, leur validation est essentielle pour corroborer les informations et garantir leur exactitude. Cette \u00e9tape implique souvent de les recouper avec d&#039;autres sources, telles que des documents d&#039;identit\u00e9, des registres d&#039;entreprises ou des fournisseurs de donn\u00e9es tiers. L&#039;objectif est de garantir l&#039;int\u00e9grit\u00e9 des donn\u00e9es avant leur utilisation dans le cadre du processus de v\u00e9rification des sanctions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00c9tape 3\u00a0: Solution de d\u00e9pistage<\/h3>\n\n\n\n<p>Une fois les donn\u00e9es recueillies et corrobor\u00e9es, il est temps de passer au crible proprement dit. \u00c0 l&#039;aide de la technologie de filtrage des sanctions, les donn\u00e9es collect\u00e9es sont compar\u00e9es \u00e0 des listes de sanctions mondiales, qui incluent des individus, des organisations ou des pays sous embargo ou sanctionn\u00e9s par des organismes de r\u00e9glementation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00c9tape 4\u00a0: Enqu\u00eater<\/h3>\n\n\n\n<p>Si une correspondance potentielle est identifi\u00e9e au cours du processus de s\u00e9lection des sanctions, cela d\u00e9clenche une enqu\u00eate. L&#039;analyse vise \u00e0 confirmer ou infirmer les correspondances potentielles en enrichissant les donn\u00e9es clients et en recoupant les d\u00e9tails. Cette \u00e9tape confirme si les alertes \u00e9taient de faux positifs ou de vraies correspondances.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00c9tape 5 : Signaler<\/h3>\n\n\n\n<p>Le signalement est la derni\u00e8re \u00e9tape, facultative, du processus de v\u00e9rification des sanctions. Les institutions n&#039;y ont recours que lorsqu&#039;elles constatent une correspondance av\u00e9r\u00e9e. Elles doivent se conformer aux obligations de signalement et d\u00e9poser une d\u00e9claration d&#039;activit\u00e9 suspecte (DAS) aupr\u00e8s de l&#039;autorit\u00e9 comp\u00e9tente, selon les protocoles \u00e9tablis. Tout d\u00e9faut de signalement peut entra\u00eener de lourdes sanctions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00c9tape 6 : Surveiller<\/h3>\n\n\n\n<p>Une \u00e9tape essentielle, souvent n\u00e9glig\u00e9e, du processus est la surveillance continue. Les r\u00e8glements et les listes de sanctions sont dynamiques. Une surveillance continue peut \u00eatre effectu\u00e9e en temps r\u00e9el ou p\u00e9riodiquement pour v\u00e9rifier le respect des obligations de diligence raisonnable en cours.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" width=\"1024\" height=\"577\" src=\"https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/The-Sanctions-Screening-Process-ComplyCube-1024x577.jpg\" alt=\"Infographie Complycube du processus de filtrage typique dans les solutions de filtrage des sanctions collecter valider filtrer enqu\u00eater signaler surveiller\" class=\"wp-image-16958\" srcset=\"https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/The-Sanctions-Screening-Process-ComplyCube-1024x577.jpg 1024w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/The-Sanctions-Screening-Process-ComplyCube-300x169.jpg 300w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/The-Sanctions-Screening-Process-ComplyCube-768x433.jpg 768w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/The-Sanctions-Screening-Process-ComplyCube-1536x866.jpg 1536w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/The-Sanctions-Screening-Process-ComplyCube-2048x1154.jpg 2048w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/The-Sanctions-Screening-Process-ComplyCube-18x10.jpg 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Quand les contr\u00f4les de sanctions sont-ils effectu\u00e9s\u00a0?<\/h2>\n\n\n\n<p>Les organisations doivent effectuer un contr\u00f4le des sanctions \u00e0 plusieurs \u00e9tapes cl\u00e9s pour assurer leur conformit\u00e9, notamment\u00a0: <a href=\"https:\/\/www.complycube.com\/fr\/quest-ce-quun-processus-de-surveillance-continue\/\" title=\"\">surveillance continue<\/a>. Un contr\u00f4le initial est obligatoire lors de l&#039;int\u00e9gration d&#039;un nouveau client ou partenaire. Avant toute transaction commerciale, les institutions financi\u00e8res doivent v\u00e9rifier l&#039;identit\u00e9 de leurs clients ou partenaires en la comparant aux listes de sanctions pertinentes. Cette \u00e9tape garantit que les r\u00e8gles de sanctions n&#039;emp\u00eachent pas l&#039;entit\u00e9 ou la personne concern\u00e9e d&#039;exercer certaines activit\u00e9s.<\/p>\n\n\n\n<p>Cependant, il ne suffit pas d&#039;effectuer un examen des sanctions et des \u00e9valuations des risques uniquement au d\u00e9but d&#039;une relation d&#039;affaires. Cela devrait se produire r\u00e9guli\u00e8rement tout au long du cycle de vie de la relation client. En effet, les statuts des sanctions peuvent changer au fil du temps. Un client qui n&#039;\u00e9tait pas une partie sanctionn\u00e9e lors de l&#039;int\u00e9gration ou de l&#039;\u00e9valuation initiale des risques peut le devenir plus tard.<\/p>\n\n\n<div class=\"cc-block case-study\">\n<h3><strong>\u00c9tude de cas : Une entreprise sanctionn\u00e9e pour ses liens avec un oligarque russe<\/strong><\/h3>\n<p>Rusal, important producteur d&#039;aluminium, a \u00e9t\u00e9 ajout\u00e9 \u00e0 la liste de l&#039;OFAC am\u00e9ricaine en raison de ses liens avec l&#039;oligarque russe Oleg Deripaska. Cet ajout soudain a eu un impact consid\u00e9rable sur les march\u00e9s mondiaux de l&#039;aluminium.<\/p>\n<h5><strong>Importance du suivi continu<\/strong><\/h5>\n<p>Les entreprises ayant des contrats en cours ou \u00e0 venir avec Rusal ont d\u00fb imm\u00e9diatement interrompre toutes leurs activit\u00e9s commerciales afin de se conformer aux nouvelles sanctions et d&#039;\u00e9viter tout risque. <strong>amendes potentielles<\/strong>, soulignant l\u2019importance d\u2019une surveillance continue.<\/p>\n<h5><strong>R\u00e9sultat<\/strong><\/h5>\n<ul>\n<li>Rusal a ensuite \u00e9t\u00e9 radi\u00e9e de la cote lorsque son fondateur, Oleg, a consenti \u00e0 en c\u00e9der le contr\u00f4le.<\/li>\n<li>Cette affaire a d\u00e9montr\u00e9 comment les changements de propri\u00e9t\u00e9 et de contr\u00f4le peuvent affecter l&#039;exposition aux sanctions.<\/li>\n<li>Cela a r\u00e9affirm\u00e9 l&#039;importance de <strong>contr\u00f4le continu<\/strong> pour assurer la conformit\u00e9 \u00e0 mesure que les sanctions \u00e9voluent.<\/li>\n<\/ul>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">Identification des personnes politiquement expos\u00e9es (PPE) et de leur r\u00f4le dans un contr\u00f4le des sanctions<\/h2>\n\n\n\n<p>Les personnes politiquement expos\u00e9es (PPE) sont des personnes \u00e0 haut risque qui occupent une fonction publique de premier plan ou ont une association \u00e9troite avec de telles personnes. En raison de leur position et de leur influence, les PPE pr\u00e9sentent un risque plus \u00e9lev\u00e9 d&#039;\u00eatre impliqu\u00e9es dans des pots-de-vin, la corruption, le blanchiment d&#039;argent et d&#039;autres d\u00e9lits financiers.<\/p>\n\n\n\n<p>L&#039;identification et la conduite d&#039;une diligence raisonnable renforc\u00e9e \u00e0 l&#039;\u00e9gard d&#039;une personne politiquement expos\u00e9e sont essentielles \u00e0 un processus efficace de filtrage des sanctions. Les organisations doivent mettre en place de solides contr\u00f4les de d\u00e9pistage PEP pour att\u00e9nuer les risques associ\u00e9s. Ces contr\u00f4les doivent inclure la v\u00e9rification r\u00e9guli\u00e8re des donn\u00e9es des clients par rapport aux listes de PPE et le filtrage des transactions pour identifier les activit\u00e9s suspectes.<\/p>\n\n\n\n<p>Vous pouvez en apprendre davantage ici: <a title=\"\" href=\"https:\/\/www.complycube.com\/fr\/quest-ce-quun-pep\/\">Qu&#039;est-ce qu&#039;une personne politiquement expos\u00e9e (PPE)\u00a0?<\/a><\/p>\n\n\n<div class=\"cc-block case-study is-hovered\">\n<h3><strong>\u00c9tude de cas\u00a0: Isabel dos Santos et la controverse chez PwC<\/strong><\/h3>\n<p>Isabel dos Santos est une personne politiquement expos\u00e9e (PPE) car elle est la fille de l&#039;ancien pr\u00e9sident angolais. Elle a fait l&#039;objet d&#039;un examen minutieux lorsque des documents divulgu\u00e9s ont sugg\u00e9r\u00e9 qu&#039;elle <strong>exploit\u00e9<\/strong> Ses relations familiales et les fonds publics lui ont permis de b\u00e2tir une fortune de 17,7 milliards de dollars.<\/p>\n<h5><strong>Conflit d&#039;int\u00e9r\u00eats chez PWC<\/strong><\/h5>\n<p>Lors de ses investigations, PwC a audit\u00e9 les comptes de Sonangol, la compagnie p\u00e9troli\u00e8re nationale angolaise. Le double r\u00f4le du cabinet, celui de conseiller sur une restructuration importante de Sonangol, pr\u00e9sente un potentiel <strong>conflit d&#039;int\u00e9r\u00eats<\/strong>. Les travaux d&#039;audit et de conseil de PWC ont eu lieu alors qu&#039;Isabel \u00e9tait pr\u00e9sidente de Sonangol.<\/p>\n<h5><strong>R\u00e9sultat<\/strong><\/h5>\n<ul>\n<li>Isabel a \u00e9t\u00e9 relev\u00e9e de ses fonctions peu apr\u00e8s la retraite de son p\u00e8re.<\/li>\n<li>La nouvelle direction de Sonangol a r\u00e9sili\u00e9 le contrat de PwC et l&#039;a remplac\u00e9 par celui de KPMG. <\/li>\n<li>Ce cas met en lumi\u00e8re les risques et le potentiel <strong>complications<\/strong> les entreprises peuvent \u00eatre confront\u00e9es lorsqu\u2019elles traitent avec des PEP.<\/li>\n<\/ul>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">L&#039;impact des m\u00e9dias d\u00e9favorables sur le filtrage des sanctions<\/h2>\n\n\n\n<p>Les m\u00e9dias n\u00e9gatifs, aussi appel\u00e9s \u00ab\u00a0nouvelles n\u00e9gatives\u00a0\u00bb, d\u00e9signent des informations provenant de sources m\u00e9diatiques indiquant des risques potentiels de sanctions li\u00e9s \u00e0 certains clients ou partenaires commerciaux. Il s&#039;agit d&#039;un \u00e9l\u00e9ment essentiel d&#039;un programme efficace de contr\u00f4le des sanctions, car il permet d&#039;identifier des signes avant-coureurs de non-conformit\u00e9. Par exemple, l&#039;implication d&#039;un client dans des activit\u00e9s ill\u00e9gales, son association avec des parties sanctionn\u00e9es ou des changements de statut politique ou commercial peuvent indiquer des menaces probables.<\/p>\n\n\n\n<p>Les organisations devraient effectuer r\u00e9guli\u00e8rement une veille m\u00e9diatique n\u00e9gative \u00e0 diff\u00e9rentes \u00e9tapes du cycle de vie de la relation client. De plus, les entreprises devraient tirer parti des technologies avanc\u00e9es telles que l&#039;intelligence artificielle et le traitement automatique du langage naturel pour automatiser et optimiser ce processus.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" width=\"1024\" height=\"577\" src=\"https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/Types-of-adverse-media-complycube-1-1024x577.jpg\" alt=\"Infographie Complycube sur les types de m\u00e9dias n\u00e9gatifs pour les outils logiciels de contr\u00f4le des sanctions et de v\u00e9rification des sanctions\" class=\"wp-image-16960\" srcset=\"https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/Types-of-adverse-media-complycube-1-1024x577.jpg 1024w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/Types-of-adverse-media-complycube-1-300x169.jpg 300w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/Types-of-adverse-media-complycube-1-768x433.jpg 768w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/Types-of-adverse-media-complycube-1-1536x866.jpg 1536w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/Types-of-adverse-media-complycube-1-2048x1154.jpg 2048w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/Types-of-adverse-media-complycube-1-18x10.jpg 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Rapports d&#039;activit\u00e9s suspectes (SAR)<\/h2>\n\n\n\n<p>Les rapports d&#039;activit\u00e9s suspectes (SAR) sont essentiels dans le filtrage des sanctions, fournissant aux institutions financi\u00e8res un moyen de signaler les activit\u00e9s illicites potentielles. Lorsque des transactions font na\u00eetre des soup\u00e7ons d&#039;infractions, les institutions d\u00e9posent des SAR aupr\u00e8s des autorit\u00e9s comp\u00e9tentes. Ces rapports facilitent les enqu\u00eates des organismes charg\u00e9s de l&#039;application de la loi, leur permettant de prendre les mesures n\u00e9cessaires.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Selon le Financial Crimes Enforcement Network (FinCEN), un total de <a title=\"\" href=\"https:\/\/www.thomsonreuters.com\/en-us\/posts\/corporates\/sars-report-2024\/\" target=\"_blank\" rel=\"noopener nofollow\">3,8 millions<\/a> Des rapports d\u2019activit\u00e9s suspectes (SAR) ont \u00e9t\u00e9 d\u00e9pos\u00e9s.<\/p>\n<\/blockquote>\n\n\n\n<p>Les SAR contribuent \u00e0 la lutte collective contre le blanchiment d&#039;argent, aidant \u00e0 prot\u00e9ger l&#039;int\u00e9grit\u00e9 du syst\u00e8me financier. Les institutions financi\u00e8res \u00e9vitent les mesures d&#039;ex\u00e9cution et aident les organismes de r\u00e9glementation et les organismes charg\u00e9s de l&#039;application de la loi dans leur mission en d\u00e9tectant et en signalant les activit\u00e9s suspectes.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" width=\"1024\" height=\"577\" src=\"https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/aml-screening-when-to-file-susspicious-activity-report-sar-complycube-1024x577.jpg\" alt=\"Infographie sur le d\u00e9pistage AML de Complycube indiquant quand d\u00e9poser un rapport d&#039;activit\u00e9 suspecte, soutenant le contr\u00f4le des sanctions et la conformit\u00e9 AML\" class=\"wp-image-16972\" srcset=\"https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/aml-screening-when-to-file-susspicious-activity-report-sar-complycube-1024x577.jpg 1024w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/aml-screening-when-to-file-susspicious-activity-report-sar-complycube-300x169.jpg 300w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/aml-screening-when-to-file-susspicious-activity-report-sar-complycube-768x433.jpg 768w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/aml-screening-when-to-file-susspicious-activity-report-sar-complycube-1536x866.jpg 1536w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/aml-screening-when-to-file-susspicious-activity-report-sar-complycube-2048x1154.jpg 2048w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/aml-screening-when-to-file-susspicious-activity-report-sar-complycube-18x10.jpg 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Cons\u00e9quences d&#039;une violation des sanctions<\/h2>\n\n\n\n<p>Le non-respect des r\u00e9glementations LBC et des exigences de v\u00e9rification des sanctions peut entra\u00eener de lourdes sanctions, notamment des amendes punitives, des poursuites p\u00e9nales et une atteinte \u00e0 la r\u00e9putation. Par exemple, les violations des sanctions financi\u00e8res dans le <a title=\"\" href=\"https:\/\/www.gov.uk\/government\/publications\/monetary-penalties-for-breaches-of-financial-sanctions\" target=\"_blank\" rel=\"noopener nofollow\">Royaume-Uni<\/a>&nbsp;sont passibles d&#039;une peine pouvant aller jusqu&#039;\u00e0 sept ans de prison. De m\u00eame, l&#039;OFAC am\u00e9ricain consid\u00e8re les violations des sanctions comme une menace pour la s\u00e9curit\u00e9 nationale et les relations ext\u00e9rieures. Les contrevenants sont passibles d&#039;amendes pouvant atteindre plusieurs millions de dollars et de 30 ans de prison.<\/p>\n\n\n\n<p>Les cons\u00e9quences d&#039;une violation des sanctions peuvent gravement nuire \u00e0 la r\u00e9putation, \u00e0 la cr\u00e9dibilit\u00e9 et \u00e0 la performance d&#039;une institution. Devenir une entit\u00e9 sanctionn\u00e9e peut \u00eatre encore plus dommageable, car cela entrave consid\u00e9rablement, voire bloque, la capacit\u00e9 d&#039;une institution \u00e0 mener des activit\u00e9s \u00e0 l&#039;international et \u00e0 acc\u00e9der aux march\u00e9s et aux capitaux internationaux. Dans certains cas, ces cons\u00e9quences ont conduit \u00e0 l&#039;incapacit\u00e9 totale de l&#039;institution sanctionn\u00e9e \u00e0 poursuivre ses activit\u00e9s et, \u00e0 terme, \u00e0 sa disparition.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Plusieurs entreprises ont \u00e9t\u00e9 condamn\u00e9es \u00e0 de lourdes amendes pour violation de l&#039;OFAC, dans certains cas <a href=\"https:\/\/digitalisationworld.com\/blog\/57503\/sanctions-against-trickbot-ransomware-group-payments-now-punishable\" target=\"_blank\" rel=\"nofollow noopener\">d\u00e9passant $200 millions<\/a>. Parmi ces entreprises figurent Interactive Brokers, Exodus Movement, et bien d&#039;autres.<\/p>\n<\/blockquote>\n\n\n\n<p>En r\u00e9sum\u00e9, les violations de sanctions constituent des infractions graves et ont donc des cons\u00e9quences importantes. Par cons\u00e9quent, les institutions doivent v\u00e9rifier efficacement leurs clients au regard des listes de sanctions pertinentes. Cependant, les autorit\u00e9s mettant constamment \u00e0 jour ces listes, les organisations doivent s&#039;assurer que leurs processus de v\u00e9rification des sanctions suivent l&#039;\u00e9volution de la situation, tout en \u00e9vitant les inefficacit\u00e9s et en r\u00e9duisant les faux positifs.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" width=\"1024\" height=\"577\" src=\"https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/ofac-us-fines-sanctions-screening-per-year-1024x577.jpg\" alt=\"Infographie ComplyCube des amendes et sanctions de l&#039;OFAC 2020-2023, montrant une forte augmentation \u00e0 $556M en 2023.\" class=\"wp-image-16978\" srcset=\"https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/ofac-us-fines-sanctions-screening-per-year-1024x577.jpg 1024w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/ofac-us-fines-sanctions-screening-per-year-300x169.jpg 300w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/ofac-us-fines-sanctions-screening-per-year-768x433.jpg 768w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/ofac-us-fines-sanctions-screening-per-year-1536x866.jpg 1536w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/ofac-us-fines-sanctions-screening-per-year-2048x1154.jpg 2048w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/ofac-us-fines-sanctions-screening-per-year-18x10.jpg 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Quels sont les d\u00e9fis auxquels sont confront\u00e9es les solutions de contr\u00f4le des sanctions ?<\/h2>\n\n\n\n<p>Le contr\u00f4le des sanctions n\u2019a jamais \u00e9t\u00e9 confront\u00e9 \u00e0 autant de d\u00e9fis qu\u2019aujourd\u2019hui en raison de plusieurs facteurs, notamment :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Les listes de sanctions \u00e9voluent rapidement en nature (par ex. sanctions narratives) et en ampleur (par ex.&nbsp;<a title=\"\" href=\"https:\/\/www.trade.gov\/us-export-controls\" target=\"_blank\" rel=\"noopener nofollow\">Contr\u00f4les des exportations de technologies am\u00e9ricaines<\/a>).<\/li>\n\n\n\n<li>Augmentation de la complexit\u00e9 des mesures de sanctions restrictives et punitives et des r\u00e9glementations de filtrage.<\/li>\n\n\n\n<li>Le d\u00e9pistage des sanctions doit tenir compte du risque d&#039;association, qui peut ne pas \u00eatre imm\u00e9diatement apparent. Par exemple, le&nbsp;<a title=\"\" href=\"https:\/\/en.wikipedia.org\/wiki\/Patriot_Act\" target=\"_blank\" rel=\"noopener nofollow\">acte patriote<\/a>&nbsp;interdit aux entreprises am\u00e9ricaines de fournir une &quot;aide financi\u00e8re&quot; aux organisations accus\u00e9es de&nbsp;<a title=\"\" href=\"https:\/\/www.complycube.com\/fr\/quest-ce-que-la-lutte-contre-le-financement-du-terrorisme\/\">terrorisme<\/a>.<\/li>\n\n\n\n<li>Plusieurs organismes de sanction ont des normes et des programmes diff\u00e9rents qui ne s&#039;alignent pas, ce qui entra\u00eene des sanctions \u00e9conomiques incoh\u00e9rentes.<\/li>\n<\/ul>\n\n\n\n<p>Au sein m\u00eame de l&#039;UE, il y a <a href=\"https:\/\/finance.ec.europa.eu\/eu-and-world\/sanctions-restrictive-measures\/overview-sanctions-and-related-resources_en\" target=\"_blank\" rel=\"noopener nofollow\" title=\"\">plus de 40 diff\u00e9rents<\/a> Des r\u00e9gimes de sanctions sont en place, dont certains sont impos\u00e9s par les Nations Unies.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Choisir le bon partenaire pour le contr\u00f4le des sanctions AML\/KYC<\/h2>\n\n\n\n<p>Malgr\u00e9 les d\u00e9fis inh\u00e9rents au filtrage des clients, le bon partenaire AML\/KYC peut vous aider \u00e0 mettre en \u0153uvre une solution robuste et rentable, comme indiqu\u00e9 ci-dessous.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" width=\"1024\" height=\"577\" src=\"https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/ComplyCube-Sanctions-and-PEP-Screening-1024x511-1-1024x577.jpg\" alt=\"Infographie de Complycube sur les fonctionnalit\u00e9s de la solution de d\u00e9pistage, la collecte de donn\u00e9es, le d\u00e9pistage intelligent, l&#039;automatisation, la gestion des cas et la surveillance\" class=\"wp-image-16964\" srcset=\"https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/ComplyCube-Sanctions-and-PEP-Screening-1024x511-1-1024x577.jpg 1024w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/ComplyCube-Sanctions-and-PEP-Screening-1024x511-1-300x169.jpg 300w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/ComplyCube-Sanctions-and-PEP-Screening-1024x511-1-768x433.jpg 768w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/ComplyCube-Sanctions-and-PEP-Screening-1024x511-1-1536x866.jpg 1536w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/ComplyCube-Sanctions-and-PEP-Screening-1024x511-1-2048x1154.jpg 2048w, https:\/\/www.complycube.com\/wp-content\/uploads\/2021\/02\/ComplyCube-Sanctions-and-PEP-Screening-1024x511-1-18x10.jpg 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Vue client unique<\/strong><\/h3>\n\n\n\n<p>L&#039;efficacit\u00e9 du contr\u00f4le des sanctions d\u00e9pend de la qualit\u00e9 des donn\u00e9es utilis\u00e9es par les organismes pour \u00e9valuer l&#039;entit\u00e9 ou la personne concern\u00e9e. Par cons\u00e9quent, les entreprises devraient privil\u00e9gier une solution permettant de rationaliser les processus de collecte de donn\u00e9es et d&#039;obtenir une vue client unique, agr\u00e9g\u00e9e, coh\u00e9rente et globale gr\u00e2ce \u00e0 l&#039;agr\u00e9gation des donn\u00e9es.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Couverture compl\u00e8te des donn\u00e9es<\/strong><\/h3>\n\n\n\n<p>Les activit\u00e9s de d\u00e9pistage doivent s\u2019appuyer sur des informations sur les risques mondiaux soigneusement \u00e9tudi\u00e9es et r\u00e9guli\u00e8rement r\u00e9vis\u00e9es, qui incluent une couverture compl\u00e8te des donn\u00e9es actuelles.&nbsp;<a title=\"\" href=\"https:\/\/www.complycube.com\/fr\/quest-ce-quun-pep\/\">DYNAMISME<\/a>&nbsp;et les listes de sanctions, les m\u00e9dias d\u00e9favorables et les rapports de conformit\u00e9 du monde entier.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>D\u00e9pistage intelligent<\/strong><\/h3>\n\n\n\n<p>March\u00e9 de nombreux vendeurs <a href=\"https:\/\/en.wikipedia.org\/wiki\/Approximate_string_matching\" target=\"_blank\" rel=\"nofollow noopener\">correspondance de nom floue<\/a> Comme solution miracle pour un contr\u00f4le des sanctions de pointe. Cependant, les organisations ne devraient pas se fier uniquement \u00e0 la correspondance floue des noms. Celle-ci prend en compte les fautes d&#039;orthographe et les variations mineures.<\/p>\n\n\n\n<p>Cependant, il ne g\u00e8re pas bien la similarit\u00e9 phon\u00e9tique, les translitt\u00e9rations, les variations linguistiques, les \u00e9critures non latines, les patronymes, les titres honorifiques ou les noms dans le d\u00e9sordre, pour ne citer que quelques-uns des aspects qu&#039;un moteur de filtrage fiable doit prendre en compte.<\/p>\n\n\n\n<p>Vous pouvez en apprendre davantage ici: <a href=\"https:\/\/www.complycube.com\/fr\/meilleurs-logiciels-de-filtrage-des-sanctions-pour-2025\/\" title=\"\">Restez conforme avec le meilleur logiciel de contr\u00f4le des sanctions<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Approche fond\u00e9e sur le risque<\/strong><\/h3>\n\n\n\n<p>L&#039;approche bas\u00e9e sur les risques (RBA) est une solution compl\u00e8te de filtrage des sanctions qui doit g\u00e9rer plusieurs listes de sanctions et permettre des seuils personnalis\u00e9s et des r\u00e8gles d&#039;inclusion\/exclusion pour permettre aux agents AML d&#039;adapter la capacit\u00e9 de filtrage \u00e0 la perception des risques et aux politiques de l&#039;organisation.<\/p>\n\n\n\n<p>Vous pouvez en apprendre davantage ici: <a href=\"https:\/\/www.complycube.com\/fr\/quest-ce-quune-approche-basee-sur-le-risque\/\" title=\"\">Qu&#039;est-ce qu&#039;une approche bas\u00e9e sur les risques (RBA)\u00a0?<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Gestion des cas<\/strong><\/h3>\n\n\n\n<p>La gestion des cas AML, associ\u00e9e \u00e0 la surveillance et aux alertes, permet aux analystes d&#039;enqu\u00eater efficacement sur les activit\u00e9s suspectes et d&#039;att\u00e9nuer rapidement le risque de criminalit\u00e9 financi\u00e8re. Une solution de gestion de cas robuste doit \u00e9galement fournir une solution enti\u00e8rement int\u00e9gr\u00e9e avec des donn\u00e9es contextualis\u00e9es riches, telles qu&#039;une r\u00e9partition d\u00e9taill\u00e9e des correspondances, et ainsi aider les enqu\u00eateurs \u00e0 organiser, hi\u00e9rarchiser, g\u00e9rer les enqu\u00eates et \u00e9carter facilement les faux positifs, tout en cr\u00e9ant une piste d&#039;audit permanente pour l&#039;examen r\u00e9glementaire. .<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Due Diligence continue<\/strong><\/h3>\n\n\n\n<p>De nombreux prestataires de services de v\u00e9rification de la conformit\u00e9 (KYC) peuvent effectuer des v\u00e9rifications group\u00e9es de leurs clients par lots. Cependant, ce processus est lourd et r\u00e9actif, inadapt\u00e9 aux r\u00e9alit\u00e9s modernes. Les prestataires de services de v\u00e9rification de la conformit\u00e9 (KYC) exp\u00e9riment\u00e9s proposeront plut\u00f4t une surveillance continue pour accompagner la transition d&#039;une approche traditionnelle de v\u00e9rification des ant\u00e9c\u00e9dents \u00e0 une diligence raisonnable client proactive, continue et en temps r\u00e9el.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" width=\"1024\" height=\"577\" src=\"https:\/\/www.complycube.com\/wp-content\/uploads\/2023\/05\/Enhanced-Due-Diligence-Benefits-1024x577.jpg\" alt=\"Infographie Complycube sur les avantages de la diligence raisonnable renforc\u00e9e en mati\u00e8re de conformit\u00e9 aux contr\u00f4les de lutte contre le blanchiment d&#039;argent et de sanctions\" class=\"wp-image-16492\" srcset=\"https:\/\/www.complycube.com\/wp-content\/uploads\/2023\/05\/Enhanced-Due-Diligence-Benefits-1024x577.jpg 1024w, https:\/\/www.complycube.com\/wp-content\/uploads\/2023\/05\/Enhanced-Due-Diligence-Benefits-300x169.jpg 300w, https:\/\/www.complycube.com\/wp-content\/uploads\/2023\/05\/Enhanced-Due-Diligence-Benefits-768x433.jpg 768w, https:\/\/www.complycube.com\/wp-content\/uploads\/2023\/05\/Enhanced-Due-Diligence-Benefits-1536x866.jpg 1536w, https:\/\/www.complycube.com\/wp-content\/uploads\/2023\/05\/Enhanced-Due-Diligence-Benefits-2048x1154.jpg 2048w, https:\/\/www.complycube.com\/wp-content\/uploads\/2023\/05\/Enhanced-Due-Diligence-Benefits-18x10.jpg 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n<div class=\"cc-block key-takeaways\">\n<h3>Points cl\u00e9s \u00e0 retenir<\/h3>\n<ul>\n<li><strong>D\u00e9pistage des sanctions<\/strong> veille \u00e0 ce que les entreprises respectent les normes r\u00e9glementaires mondiales en mati\u00e8re de LBC et de KYC, contribuant ainsi \u00e0 pr\u00e9venir le financement du terrorisme et d&#039;autres crimes financiers.<\/li>\n<li><strong>D\u00e9faut d&#039;ex\u00e9cution<\/strong> Les contr\u00f4les de sanctions entra\u00eenent des amendes et des atteintes \u00e0 la r\u00e9putation qui, si elles sont graves, peuvent conduire \u00e0 la cessation des activit\u00e9s commerciales.<\/li>\n<li><strong>Combinaison de PEP et de contr\u00f4les m\u00e9diatiques d\u00e9favorables<\/strong>, et le contr\u00f4le des sanctions donne aux entreprises un aper\u00e7u plus complet de l&#039;exposition totale au risque d&#039;un individu ou d&#039;une entit\u00e9.<\/li>\n<li><strong>Surveillance continue <\/strong>permet aux entreprises de v\u00e9rifier en permanence un individu par rapport \u00e0 une liste de sanctions \u00e9volutive au-del\u00e0 de la phase d&#039;int\u00e9gration initiale.<\/li>\n<li><strong>Le processus de contr\u00f4le des sanctions<\/strong> comprend la collecte et la validation des donn\u00e9es, puis leur comparaison avec les listes de sanctions mondiales pour d\u00e9tecter les parties restreintes.<\/li>\n<\/ul>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">Logiciel de contr\u00f4le des sanctions pour les institutions financi\u00e8res<\/h2>\n\n\n\n<p>Le contr\u00f4le des sanctions est devenu une exigence incontournable \u00e0 l&#039;\u00e9chelle mondiale. Ce processus est essentiel pour garantir que les \u00e9tablissements financiers, tels que les banques, n&#039;effectuent pas de transactions commerciales avec des personnes, des organisations ou des pays figurant sur les listes de sanctions internationales.<\/p>\n\n\n\n<p>En particulier, les professionnels du secteur ne sauraient trop insister sur l&#039;importance du contr\u00f4le des sanctions au sein du secteur financier, car il s&#039;agit d&#039;une mesure cruciale pour att\u00e9nuer le risque de collaborer avec des entit\u00e9s sanctionn\u00e9es et pour pr\u00e9venir le blanchiment d&#039;argent.<\/p>\n\n\n\n<p>Alors que les sanctions d&#039;application de l&#039;OFAC atteignent de nouveaux records ann\u00e9e apr\u00e8s ann\u00e9e, le co\u00fbt de la non-conformit\u00e9 n&#039;a jamais \u00e9t\u00e9 aussi \u00e9lev\u00e9. En tant que telles, les soci\u00e9t\u00e9s de services financiers doivent continuellement affiner leurs processus de filtrage des sanctions et garder une longueur d&#039;avance sur l&#039;\u00e9volution du paysage mondial des sanctions afin de naviguer efficacement dans cet environnement r\u00e9glementaire complexe.<\/p>\n\n\n\n<div style=\"position: relative; padding-bottom: calc(66.66666666666666% + 41px); height: 0; width: 100%;\"><iframe style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; color-scheme: light;\" title=\"Ex\u00e9cuter le d\u00e9pistage AML\" src=\"https:\/\/demo.arcade.software\/HFbcbkk0GAq9gVoLNHQu?embed\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Mise en \u0153uvre d&#039;un programme rigoureux de contr\u00f4le des sanctions<\/h2>\n\n\n\n<p>Le contr\u00f4le des sanctions est indispensable au maintien d&#039;un environnement financier conforme et s\u00e9curis\u00e9. Les entreprises peuvent emp\u00eacher les transactions avec des parties sanctionn\u00e9es en v\u00e9rifiant attentivement les donn\u00e9es clients avec les listes de sanctions fournies par des organismes de r\u00e9glementation tels que l&#039;ONU et l&#039;UE. Cette approche proactive renforce les efforts de lutte contre le blanchiment d&#039;argent et contribue \u00e0 l&#039;initiative mondiale plus vaste de pr\u00e9vention de la criminalit\u00e9 financi\u00e8re.<\/p>\n\n\n\n<p>Le monde des sanctions et de la conformit\u00e9 \u00e0 la lutte contre le blanchiment d&#039;argent est en constante \u00e9volution, et le maintien d&#039;une liste de sanctions \u00e0 jour au c\u0153ur de vos processus de filtrage est essentiel pour naviguer efficacement dans ce paysage complexe. Choisir le bon partenaire de filtrage AML\/KYC et sanctions, tel que ComplyCube, peut \u00e9galement offrir des avantages significatifs.<\/p>\n\n\n\n<p>D\u00e9couvrez notre d\u00e9pistage mondial des PPE et des sanctions <a title=\"\" href=\"https:\/\/www.complycube.com\/fr\/solutions\/depistage-mondial\/depistage-pep-des-sanctions\/\">solution<\/a>&nbsp;pour en savoir plus sur notre plateforme !<\/p>\n\n\n\n<div class=\"cc-accordion\">\r\n<h2>Questions fr\u00e9quemment pos\u00e9es<\/h2>\r\n<details>\r\n<summary>Qu\u2019est-ce que le contr\u00f4le des sanctions ?<\/summary>\r\n<p>Le contr\u00f4le des sanctions consiste \u00e0 comparer un client ou une entit\u00e9 \u00e0 la liste officielle des sanctions publi\u00e9e par les autorit\u00e9s, notamment l&#039;OFAC, l&#039;ONU et l&#039;UE. Il permet \u00e0 une organisation d&#039;identifier les personnes ou entreprises sanctionn\u00e9es afin de se conformer \u00e0 la r\u00e9glementation.<\/p>\r\n<\/details>\r\n<details>\r\n<summary>Pourquoi le contr\u00f4le des sanctions est-il important ?<\/summary>\r\n<p>Le contr\u00f4le des sanctions est un \u00e9l\u00e9ment essentiel des processus de connaissance du client (KYC) et de lutte contre le blanchiment d&#039;argent (AML). Il permet \u00e0 une entreprise de se conformer \u00e0 la r\u00e9glementation en \u00e9vitant de traiter avec des personnes ou entit\u00e9s sanctionn\u00e9es.<\/p>\r\n<\/details>\r\n<details>\r\n<summary>Pourquoi les entreprises utilisent-elles des solutions de contr\u00f4le des sanctions ?<\/summary>\r\n<p>Les entreprises utilisent des solutions de filtrage des sanctions pour v\u00e9rifier et \u00e9viter de faire affaire avec les r\u00e9gimes sanctionn\u00e9s. Les logiciels ou solutions de contr\u00f4le des sanctions offrent aux entreprises un moyen plus automatis\u00e9, plus pr\u00e9cis et plus rapide d&#039;identifier une personne ou une entit\u00e9 sanctionn\u00e9e.<\/p>\r\n<\/details>\r\n<details>\r\n<summary>Quand une entreprise doit-elle effectuer un contr\u00f4le des sanctions ?<\/summary>\r\n<p>Un contr\u00f4le des sanctions doit \u00eatre effectu\u00e9 dans le cadre du programme de connaissance du client (KYC) et de lutte contre le blanchiment d&#039;argent (AML). Il intervient g\u00e9n\u00e9ralement lors de l&#039;int\u00e9gration du client, lors de l&#039;\u00e9tablissement de nouvelles relations commerciales et tout au long du suivi continu visant \u00e0 garantir le respect permanent de la r\u00e9glementation.<\/p>\r\n<\/details>\r\n<details>\r\n<summary>Comment fonctionne la solution de contr\u00f4le des sanctions de ComplyCube ?<\/summary>\r\n<p>ComplyCube permet un filtrage en temps r\u00e9el par rapport aux listes de sanctions mondiales. La plateforme met \u00e0 jour en permanence sa liste de sanctions et la combine avec le filtrage des PPE et les contr\u00f4les m\u00e9diatiques n\u00e9gatifs pour une conformit\u00e9 \u00e0 plusieurs niveaux. De plus, elle utilise l&#039;IA adaptative pour d\u00e9tecter les correspondances floues et exactes, r\u00e9duisant ainsi consid\u00e9rablement les faux positifs.<\/p>\r\n<\/details>","protected":false},"excerpt":{"rendered":"<p>Qu&#039;est-ce que le contr\u00f4le des sanctions et pourquoi est-il important\u00a0? Les outils et logiciels de contr\u00f4le des sanctions permettent aux organisations d&#039;automatiser le contr\u00f4le des sanctions \u00e0 l&#039;\u00e9chelle mondiale. Mettez en \u0153uvre des contr\u00f4les des sanctions pour une conformit\u00e9 totale en mati\u00e8re de lutte contre le blanchiment d&#039;argent.<\/p>","protected":false},"author":17,"featured_media":16965,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[6],"tags":[9],"class_list":["post-669","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guides","tag-know-your-customer"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 4.9.8 - aioseo.com -->\n\t<meta name=\"description\" content=\"Sanctions screening solutions offer organizations a rapid and secure way to run global sanctions check. Learn more about the key role of sanctions screening.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"Andreea Balasa\"\/>\n\t<meta name=\"google-site-verification\" content=\"9nwsC3BxNQT0rN_dh5xNnCBQI6EVMaGEtvfky-IUUgQ\" \/>\n\t<meta name=\"msvalidate.01\" content=\"6787C3F0846FBE039FCD4064ECED4F6A\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.complycube.com\/fr\/what-is-sanctions-screening\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO Pro (AIOSEO) 4.9.8\" \/>\n\t\t<meta property=\"og:locale\" content=\"fr_FR\" \/>\n\t\t<meta property=\"og:site_name\" content=\"ComplyCube | Identity Verification, KYC &amp; AML for Global Compliance\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"What is Sanctions Screening? | ComplyCube\" \/>\n\t\t<meta property=\"og:description\" content=\"Sanctions screening solutions offer organizations a rapid and secure way to run global sanctions check. 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