{"id":885,"date":"2026-09-05T17:52:12","date_gmt":"2026-09-05T14:22:12","guid":{"rendered":"https:\/\/hagg.ir\/bourse\/?page_id=885"},"modified":"2026-09-14T12:29:53","modified_gmt":"2026-09-14T08:59:53","slug":"aml-cft-policy","status":"publish","type":"page","link":"https:\/\/hagg.ir\/bourse\/aml-cft-policy\/","title":{"rendered":"\u0633\u06cc\u0627\u0633\u062a \u0645\u0628\u0627\u0631\u0632\u0647 \u0628\u0627 \u067e\u0648\u0644\u0634\u0648\u06cc\u06cc \u0648 \u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc \u062a\u0631\u0648\u0631\u06cc\u0633\u0645"},"content":{"rendered":"
\n

\u0628\u0648\u0631\u0633 \u0647\u0627\u06af \u0628\u0647\u200c\u0639\u0646\u0648\u0627\u0646 \u0628\u0627\u0632\u0627\u0631 \u062a\u062e\u0635\u0635\u06cc \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644 \u0635\u0646\u0639\u062a \u0642\u0627\u0631\u0686\u060c \u0645\u062a\u0639\u0647\u062f \u0628\u0647 \u0631\u0639\u0627\u06cc\u062a \u06a9\u0627\u0645\u0644 \u0627\u0644\u0632\u0627\u0645\u0627\u062a \u0645\u0628\u0627\u0631\u0632\u0647 \u0628\u0627 \u067e\u0648\u0644\u0634\u0648\u06cc\u06cc (AML \u0648 \u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc \u062a\u0631\u0648\u0631\u06cc\u0633\u0645 (CFT) \u0627\u0633\u062a. \u0627\u06cc\u0646 \u0633\u06cc\u0627\u0633\u062a \u0628\u0631\u0627\u06cc \u062a\u0645\u0627\u0645\u06cc \u06a9\u0627\u0631\u0628\u0631\u0627\u0646\u060c \u062a\u0623\u0645\u06cc\u0646\u200c\u06a9\u0646\u0646\u062f\u06af\u0627\u0646\u060c \u062e\u0631\u06cc\u062f\u0627\u0631\u0627\u0646\u060c \u0634\u0631\u06a9\u0627\u06cc \u062a\u062c\u0627\u0631\u06cc \u0648 \u06a9\u0627\u0631\u06a9\u0646\u0627\u0646 \u0627\u06a9\u0648\u0633\u06cc\u0633\u062a\u0645 \u0647\u0627\u06af \u0644\u0627\u0632\u0645\u200c\u0627\u0644\u0627\u062c\u0631\u0627\u0633\u062a.<\/p>\n

\u0646\u06a9\u062a\u0647 \u0645\u0647\u0645:<\/strong>
\n\u0627\u062c\u0631\u0627\u06cc \u0627\u06cc\u0646 \u0633\u06cc\u0627\u0633\u062a \u0628\u0627 \u0647\u062f\u0641 \u0627\u0641\u0632\u0627\u06cc\u0634 \u0634\u0641\u0627\u0641\u06cc\u062a \u0647\u0648\u06cc\u062a\u06cc\u060c \u06a9\u0646\u062a\u0631\u0644 \u0631\u06cc\u0633\u06a9\u060c \u062b\u0628\u062a \u0633\u0648\u0627\u0628\u0642 \u0648 \u0647\u0645\u06a9\u0627\u0631\u06cc \u0628\u0627 \u0645\u0631\u0627\u062c\u0639 \u0630\u06cc\u200c\u0635\u0644\u0627\u062d \u0627\u0646\u062c\u0627\u0645 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/div>\n

\u0627\u0635\u0648\u0644 \u062d\u0627\u06a9\u0645 (\u06f7 \u0627\u0635\u0644 \u0628\u0646\u06cc\u0627\u062f\u06cc\u0646)<\/h2>\n
\n\n\n\n\n\n\n\n\n\n\n\n
\u0634\u0645\u0627\u0631\u0647<\/th>\n\u0627\u0635\u0644 \u0628\u0646\u06cc\u0627\u062f\u06cc\u0646<\/th>\n\u0634\u0631\u062d<\/th>\n<\/tr>\n<\/thead>\n
\u06f1<\/td>\n\u0634\u0641\u0627\u0641\u06cc\u062a \u0647\u0648\u06cc\u062a\u06cc<\/td>\n\u0647\u06cc\u0686 \u062a\u0631\u0627\u06a9\u0646\u0634\u06cc \u0628\u062f\u0648\u0646 \u0627\u062d\u0631\u0627\u0632 \u0647\u0648\u06cc\u062a \u06a9\u0627\u0645\u0644 \u067e\u0630\u06cc\u0631\u0641\u062a\u0647 \u0646\u0645\u06cc\u200c\u0634\u0648\u062f.<\/td>\n<\/tr>\n
\u06f2<\/td>\n\u0631\u0648\u06cc\u06a9\u0631\u062f \u0631\u06cc\u0633\u06a9\u200c\u0645\u062d\u0648\u0631 (RBA)<\/td>\n\u0634\u062f\u062a \u0646\u0638\u0627\u0631\u062a \u0645\u062a\u0646\u0627\u0633\u0628 \u0628\u0627 \u0633\u0637\u062d \u0631\u06cc\u0633\u06a9 \u06a9\u0627\u0631\u0628\u0631 \u062a\u0639\u06cc\u06cc\u0646 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/td>\n<\/tr>\n
\u06f3<\/td>\n\u0645\u062d\u0631\u0645\u0627\u0646\u06af\u06cc (off-Tipping)<\/td>\n\u0627\u0641\u0634\u0627\u06cc \u0627\u0637\u0644\u0627\u0639\u0627\u062a \u0628\u0631\u0631\u0633\u06cc\u200c\u0647\u0627\u06cc \u0645\u0634\u06a9\u0648\u06a9 \u0628\u0647 \u0627\u0634\u062e\u0627\u0635 \u0645\u0648\u0631\u062f \u0628\u0631\u0631\u0633\u06cc \u0645\u0645\u0646\u0648\u0639 \u0627\u0633\u062a.<\/td>\n<\/tr>\n
\u06f4<\/td>\n\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0648\u0627\u062d\u062f Compliance<\/td>\n\u0648\u0627\u062d\u062f \u0627\u0646\u0637\u0628\u0627\u0642 \u0645\u0633\u062a\u0642\u0644 \u0627\u0632 \u0648\u0627\u062d\u062f\u0647\u0627\u06cc \u062a\u062c\u0627\u0631\u06cc \u0639\u0645\u0644 \u0645\u06cc\u200c\u06a9\u0646\u062f.<\/td>\n<\/tr>\n
\u06f5<\/td>\n\u062b\u0628\u062a \u0648 \u0645\u0633\u062a\u0646\u062f\u0633\u0627\u0632\u06cc<\/td>\n\u062a\u0645\u0627\u0645 \u0627\u0642\u062f\u0627\u0645\u0627\u062a CFT\/AML \u0628\u0627\u06cc\u062f \u0645\u0633\u062a\u0646\u062f \u0648 \u0642\u0627\u0628\u0644 \u0645\u0645\u06cc\u0632\u06cc \u0628\u0627\u0634\u0646\u062f.<\/td>\n<\/tr>\n
\u06f6<\/td>\n\u0628\u0647\u0628\u0648\u062f \u0645\u0633\u062a\u0645\u0631<\/td>\n\u0633\u06cc\u0627\u0633\u062a\u200c\u0647\u0627 \u062d\u062f\u0627\u0642\u0644 \u0633\u0627\u0644\u0627\u0646\u0647 \u0628\u0627\u0632\u0628\u06cc\u0646\u06cc \u0645\u06cc\u200c\u0634\u0648\u0646\u062f.<\/td>\n<\/tr>\n
\u06f7<\/td>\n\u0647\u0645\u06a9\u0627\u0631\u06cc \u0628\u0627 \u0645\u0631\u0627\u062c\u0639 \u0630\u06cc\u200c\u0635\u0644\u0627\u062d<\/td>\n\u0628\u0648\u0631\u0633 \u0647\u0627\u06af \u0628\u0627 \u0645\u0631\u0627\u062c\u0639 \u0642\u0627\u0646\u0648\u0646\u06cc \u0630\u06cc\u200c\u0631\u0628\u0637 \u0647\u0645\u06a9\u0627\u0631\u06cc \u06a9\u0627\u0645\u0644 \u062f\u0627\u0631\u062f.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

\u062a\u0639\u0627\u0631\u06cc\u0641 \u0639\u0645\u0644\u06cc\u0627\u062a\u06cc<\/h2>\n
\n\n\n\n\n\n\n\n\n\n\n\n
\u0627\u0635\u0637\u0644\u0627\u062d<\/th>\n\u062a\u0639\u0631\u06cc\u0641<\/th>\n\u06a9\u0627\u0631\u0628\u0631\u062f \u062f\u0631 \u0628\u0648\u0631\u0633 \u0647\u0627\u06af<\/th>\n<\/tr>\n<\/thead>\n
KYC<\/td>\n\u0627\u062d\u0631\u0627\u0632 \u0647\u0648\u06cc\u062a \u0645\u0634\u062a\u0631\u06cc (Know Your Customer)<\/td>\n\u0634\u0646\u0627\u062e\u062a \u0648 \u062a\u0623\u06cc\u06cc\u062f \u0647\u0648\u06cc\u062a \u06a9\u0627\u0631\u0628\u0631\u0627\u0646 \u067e\u06cc\u0634 \u0627\u0632 \u0627\u0646\u062c\u0627\u0645 \u0641\u0639\u0627\u0644\u06cc\u062a<\/td>\n<\/tr>\n
CDD<\/td>\n\u0628\u0631\u0631\u0633\u06cc \u062f\u0642\u06cc\u0642 \u0645\u0634\u062a\u0631\u06cc (Customer Due Diligence)<\/td>\n\u0627\u0631\u0632\u06cc\u0627\u0628\u06cc \u0627\u0637\u0644\u0627\u0639\u0627\u062a \u062a\u06a9\u0645\u06cc\u0644\u06cc \u06a9\u0627\u0631\u0628\u0631\u0627\u0646 \u0628\u0627 \u0633\u0637\u062d \u0631\u06cc\u0633\u06a9 \u0628\u0627\u0644\u0627\u062a\u0631<\/td>\n<\/tr>\n
EDD<\/td>\n\u0628\u0631\u0631\u0633\u06cc \u0645\u0636\u0627\u0639\u0641 \u0645\u0634\u062a\u0631\u06cc \u067e\u0631\u0631\u06cc\u0633\u06a9 (Enhanced Due Diligence)<\/td>\n\u06a9\u0646\u062a\u0631\u0644 \u062f\u0642\u06cc\u0642\u200c\u062a\u0631 \u06a9\u0627\u0631\u0628\u0631\u0627\u0646 \u067e\u0631\u0631\u06cc\u0633\u06a9 \u0648 \u0645\u0648\u0627\u0631\u062f \u062e\u0627\u0635<\/td>\n<\/tr>\n
UBO<\/td>\n\u0645\u0627\u0644\u06a9 \u0648\u0627\u0642\u0639\u06cc \u0630\u06cc\u200c\u0646\u0641\u0639 (Ultimate Beneficial Owner)<\/td>\n\u0634\u0646\u0627\u0633\u0627\u06cc\u06cc \u0645\u0627\u0644\u06a9 \u0627\u0635\u0644\u06cc \u0627\u0634\u062e\u0627\u0635 \u062d\u0642\u0648\u0642\u06cc<\/td>\n<\/tr>\n
STR\/SAR<\/td>\n\u06af\u0632\u0627\u0631\u0634 \u062a\u0631\u0627\u06a9\u0646\u0634 \u06cc\u0627 \u0641\u0639\u0627\u0644\u06cc\u062a \u0645\u0634\u06a9\u0648\u06a9<\/td>\n\u062b\u0628\u062a \u0648 \u0628\u0631\u0631\u0633\u06cc \u0645\u0648\u0627\u0631\u062f \u0645\u0634\u06a9\u0648\u06a9 \u062a\u0648\u0633\u0637 \u0648\u0627\u062d\u062f Compliance<\/td>\n<\/tr>\n
PEP<\/td>\n\u0634\u062e\u0635 \u062f\u0631 \u0645\u0639\u0631\u0636 \u062e\u0637\u0631 \u0633\u06cc\u0627\u0633\u06cc<\/td>\n\u0646\u06cc\u0627\u0632\u0645\u0646\u062f \u0628\u0631\u0631\u0633\u06cc \u0648 \u06a9\u0646\u062a\u0631\u0644\u200c\u0647\u0627\u06cc \u062a\u06a9\u0645\u06cc\u0644\u06cc<\/td>\n<\/tr>\n
\u0627\u0645\u062a\u06cc\u0627\u0632 \u0633\u0644\u0627\u0645\u062a<\/td>\n\u0634\u0627\u062e\u0635 \u0639\u062f\u062f\u06cc \u06f0 \u062a\u0627 \u06f1\u06f0\u06f0 \u0628\u0631\u0627\u06cc \u0627\u0631\u0632\u06cc\u0627\u0628\u06cc \u0627\u0646\u0637\u0628\u0627\u0642 \u06a9\u0627\u0631\u0628\u0631<\/td>\n\u0645\u0628\u0646\u0627\u06cc \u062a\u0639\u06cc\u06cc\u0646 \u0633\u0637\u062d \u0631\u06cc\u0633\u06a9 \u0648 \u0627\u0642\u062f\u0627\u0645\u0627\u062a AML<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

\u0641\u0631\u0622\u06cc\u0646\u062f \u06a9\u0646\u062a\u0631\u0644 AML\/CFT \u062f\u0631 \u0628\u0648\u0631\u0633 \u0647\u0627\u06af<\/h2>\n
\n
\u0627\u062d\u0631\u0627\u0632 \u0647\u0648\u06cc\u062a KYC<\/div>\n
\u2193<\/div>\n
\u0628\u0631\u0631\u0633\u06cc \u0645\u0634\u062a\u0631\u06cc CDD<\/div>\n
\u2193<\/div>\n
\u0628\u0631\u0631\u0633\u06cc \u0645\u0636\u0627\u0639\u0641 EDD<\/div>\n
\u2193<\/div>\n
\u067e\u0627\u06cc\u0634 \u0645\u0633\u062a\u0645\u0631 \u0648 \u062b\u0628\u062a \u0633\u0648\u0627\u0628\u0642<\/div>\n<\/div>\n

\u0633\u0637\u0648\u062d \u0631\u06cc\u0633\u06a9 \u0648 \u0627\u062a\u0635\u0627\u0644 \u0628\u0647 \u0645\u062f\u0644 \u0627\u0645\u062a\u06cc\u0627\u0632 \u0633\u0644\u0627\u0645\u062a<\/h2>\n
\u0646\u06a9\u062a\u0647:<\/strong>
\n\u0633\u0637\u062d \u0631\u06cc\u0633\u06a9 \u06a9\u0627\u0631\u0628\u0631\u0627\u0646 \u0628\u0631 \u0627\u0633\u0627\u0633 \u0627\u0645\u062a\u06cc\u0627\u0632 \u0633\u0644\u0627\u0645\u062a \u062a\u0639\u06cc\u06cc\u0646 \u0634\u062f\u0647 \u0648 \u0634\u062f\u062a \u06a9\u0646\u062a\u0631\u0644\u200c\u0647\u0627\u06cc AML \u0645\u062a\u0646\u0627\u0633\u0628 \u0628\u0627 \u0645\u06cc\u0632\u0627\u0646 \u0631\u06cc\u0633\u06a9 \u062a\u063a\u06cc\u06cc\u0631 \u0645\u06cc\u200c\u06a9\u0646\u062f.<\/div>\n
\n\n\n\n\n\n\n\n\n\n
\u0633\u0637\u062d \u0631\u06cc\u0633\u06a9<\/th>\n\u0627\u0645\u062a\u06cc\u0627\u0632 \u0633\u0644\u0627\u0645\u062a<\/th>\n\u0648\u0636\u0639\u06cc\u062a<\/th>\n\u0627\u0642\u062f\u0627\u0645 AML<\/th>\n<\/tr>\n<\/thead>\n
\u067e\u0627\u06cc\u06cc\u0646<\/td>\n\u06f8\u06f5\u2013\u06f1\u06f0\u06f0<\/td>\nHOG Plus<\/td>\nCDD \u0627\u0633\u062a\u0627\u0646\u062f\u0627\u0631\u062f<\/td>\n<\/tr>\n
\u0645\u062a\u0648\u0633\u0637<\/td>\n\u06f6\u06f5\u2013\u06f8\u06f4<\/td>\nHOG<\/td>\nCDD \u062a\u0642\u0648\u06cc\u062a\u200c\u0634\u062f\u0647<\/td>\n<\/tr>\n
\u0628\u0627\u0644\u0627<\/td>\n\u06f5\u06f5\u2013\u06f6\u06f4<\/td>\nWatch<\/td>\nEDD + \u0647\u0634\u062f\u0627\u0631 \u0648 \u067e\u0627\u06cc\u0634 \u0641\u0639\u0627\u0644<\/td>\n<\/tr>\n
\u0645\u062d\u062f\u0648\u062f<\/td>\n\u06f4\u06f5\u2013\u06f5\u06f4<\/td>\nRestricted<\/td>\nEDD + \u0645\u062d\u062f\u0648\u062f\u0633\u0627\u0632\u06cc \u0648\u06cc\u0698\u06af\u06cc\u200c\u0647\u0627 + \u062a\u0639\u0644\u06cc\u0642 \u0645\u0648\u0642\u062a<\/td>\n<\/tr>\n
\u0628\u062d\u0631\u0627\u0646\u06cc<\/td>\n\u06a9\u0645\u062a\u0631 \u0627\u0632 \u06f4\u06f5<\/td>\nExit<\/td>\n\u0645\u0633\u062f\u0648\u062f\u0633\u0627\u0632\u06cc\u060c \u062e\u0631\u0648\u062c \u062e\u0648\u062f\u06a9\u0627\u0631 \u0648 \u062a\u0633\u0648\u06cc\u0647<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

\u0641\u0631\u0622\u06cc\u0646\u062f\u0647\u0627\u06cc KYC\u060c CDD \u0648 EDD<\/h2>\n
\n

KYC \u067e\u0627\u06cc\u0647 (\u0647\u0645\u0647 \u06a9\u0627\u0631\u0628\u0631\u0627\u0646)
\n<\/strong><\/p>\n