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Processos know your customer e a sua crescente importância nas instituições financeiras : o exemplo do BNP Paribas Factor
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Este trabalho tem como objetivo analisar o processo Know Your Customer (KYC) realizado nas instituições financeiras e a questão de investigação que se pretende responder é: “Qual a importância das informações obtidas por meio de processos KYC na tomada de decisão de crédito e investimento por parte das instituições financeiras?”. O presente trabalho final de Mestrado tem a modalidade de relatório de estágio, que foi realizado no BNP Paribas Factor, no departamento de Compliance, na função de KYC Officer, onde foram realizadas tarefas diretamente relacionadas ao processo KYC e a todos os assuntos que envolviam o mesmo. Para procurar responder à questão de investigação levantada é utilizado o exemplo ilustrativo do BNP Paribas, local onde foi realizado o estágio. Foi realizada uma entrevista semi-estruturada com o Diretor de Compliance, na qual foram abordadas questões pertinentes a este tema, e com base na observação direta do aluno na área em questão, bem como em documentação disponibilizada, foi possível recolher dados para aferir a relevância do processo KYC no BNP Paribas. Verificou-se que a partir de 2014, após uma multa sofrida pelo BNP, o KYC foi bastante impactado e foi atribuída mais relevância a este processo, através da criação de plataformas de KYC e de um maior rigor e recursos empregados no seu processo. Assim, constatou-se, com base no exemplo do BNP Paribas, que o KYC possui uma relevância considerável nas decisões de crédito e de investimento nas instituições financeiras.
This work aims to analyze the Know Your Customer (KYC) process carried out in financial institutions and the research question that it intends to answer is “What is the importance of information obtained through KYC processes in credit and investment decision-making by financial institutions?”. This final Master's work is in the form of an internship report, which was carried out at BNP Paribas Factor in the Compliance department, in the role of KYC Officer, where tasks directly related to the KYC process and all matters involving it were carried out. To try to answer the research question raised, the illustrative example of BNP Paribas, where the internship was carried out, is used. A semi-structured interview was conducted with the Compliance Director, in which issues relevant to this topic were addressed, and from direct observation of the student in the area in question, as well as from the documentation provided, it was possible to collect data to assess the relevance of the KYC process at BNP Paribas. It was found that from 2014 onwards, after a fine suffered by BNP, KYC was significantly impacted and more relevance was given to this process, through the creation of KYC platforms and greater rigor and resources employed in its process. Thus, it was found, based on the example of BNP Paribas, that KYC has considerable relevance in credit and investment decisions in financial institutions.
This work aims to analyze the Know Your Customer (KYC) process carried out in financial institutions and the research question that it intends to answer is “What is the importance of information obtained through KYC processes in credit and investment decision-making by financial institutions?”. This final Master's work is in the form of an internship report, which was carried out at BNP Paribas Factor in the Compliance department, in the role of KYC Officer, where tasks directly related to the KYC process and all matters involving it were carried out. To try to answer the research question raised, the illustrative example of BNP Paribas, where the internship was carried out, is used. A semi-structured interview was conducted with the Compliance Director, in which issues relevant to this topic were addressed, and from direct observation of the student in the area in question, as well as from the documentation provided, it was possible to collect data to assess the relevance of the KYC process at BNP Paribas. It was found that from 2014 onwards, after a fine suffered by BNP, KYC was significantly impacted and more relevance was given to this process, through the creation of KYC platforms and greater rigor and resources employed in its process. Thus, it was found, based on the example of BNP Paribas, that KYC has considerable relevance in credit and investment decisions in financial institutions.
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Conheça o seu cliente KYC Compliance Factoring BNP Paribas Anti-branqueamento de capitais Know your costumer Anti-money laundering
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