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Advisor(s)
Abstract(s)
A pressente dissertação estuda o Compliance, em especial o Compliance Bancário, a
legislação em matéria de branqueamento, e por fim, esmiúça o caso Danske Bank.
Após a análise da matéria e do caso referido, verificou-se que só a correta aplicação dos
deveres bancários estatuídos, bem como uma cooperação forte e transparente com as
autoridades de supervisão serão eficazes para prevenir o branqueamento nas instituições
financeiras; é necessário a implementação de um forte sistema de compliance - por parte
do Compliance Officer bem como de todos os colaboradores - proporcional à natureza,
dimensão e complexidade da entidade para prevenir a utilização das instituições bancárias
em atividades ilícitas; o modelo de três linhas de defesa é falível e necessita de, pelo
menos, uma nova linha de defesa; a corporate culture impacta na aplicação eficaz do
sistema de compliance; as plataformas de denúncia são relevantes na prevenção de
ilicitudes.
This dissertation focuses on the studies of Compliance, especially Banking Compliance, the legislation on money laundering, and finally, the Danske Bank Case. After a thorough analysis of the subject and the case above mentioned, it was found that only the correct application of the bank's statutory duties as well as a strong and transparent cooperation with supervising Authorities will be effective to prevent money laundering in financial institutions; the adoption of a strong compliance system - applied by the Compliance Officer as well as by all the employees - in proportion to the nature, size and complexity of the entity is required and necessary to prevent the use of banking institutions in illicit activities; the approach made by the three-line defence model is fallible and need, at least, one new line of defence; the corporate culture influences the effective application of the compliance system, nevertheless, the reporting platforms are relevant in the prevention of illicit activities.
This dissertation focuses on the studies of Compliance, especially Banking Compliance, the legislation on money laundering, and finally, the Danske Bank Case. After a thorough analysis of the subject and the case above mentioned, it was found that only the correct application of the bank's statutory duties as well as a strong and transparent cooperation with supervising Authorities will be effective to prevent money laundering in financial institutions; the adoption of a strong compliance system - applied by the Compliance Officer as well as by all the employees - in proportion to the nature, size and complexity of the entity is required and necessary to prevent the use of banking institutions in illicit activities; the approach made by the three-line defence model is fallible and need, at least, one new line of defence; the corporate culture influences the effective application of the compliance system, nevertheless, the reporting platforms are relevant in the prevention of illicit activities.
Description
Keywords
Compliance Branqueamento Deveres bancários Plataformas de denúncia Compliance officer Corporate culture Danske Bank Money laundering Bank duties Whistleblowing system