{"id":30808,"date":"2025-11-20T13:56:58","date_gmt":"2025-11-20T12:56:58","guid":{"rendered":"https:\/\/nect.com\/media\/unkategorisiert\/smurfing-mitae-rahanpesumenetelmaen-taustalla-on\/"},"modified":"2026-10-27T17:38:09","modified_gmt":"2026-10-27T16:38:09","slug":"smurfing-mitae-rahanpesumenetelmaen-taustalla-on","status":"publish","type":"post","link":"https:\/\/nect.com\/fi\/media\/blogi\/smurfing-mitae-rahanpesumenetelmaen-taustalla-on\/","title":{"rendered":"Smurfing: Mit\u00e4 rahanpesumenetelm\u00e4n taustalla on"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"30808\" class=\"elementor elementor-30808 elementor-29649\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1c2fb46 e-flex e-con-boxed e-con e-parent\" data-id=\"1c2fb46\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-86479a7 elementor-widget elementor-widget-text-editor\" data-id=\"86479a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tRahanpesu on vakava rikos, jolla on merkitt\u00e4vi\u00e4 vaikutuksia yhteiskuntaan ja talouteen. Rahanpesuun on olemassa erilaisia menetelmi\u00e4, kuten smurfing ja rahamuulien k\u00e4ytt\u00f6. T\u00e4ss\u00e4 artikkelissa tarkastelemme n\u00e4it\u00e4 menetelmi\u00e4 yksityiskohtaisemmin ja keskustelemme toimenpiteist\u00e4, joita toteutetaan rahanpesun torjumiseksi.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7ebd0fe e-con-full e-flex e-con e-child\" data-id=\"7ebd0fe\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2f6b399 elementor-widget elementor-widget-heading\" data-id=\"2f6b399\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Tiivistelm\u00e4<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e06ec0d elementor-widget elementor-widget-text-editor\" data-id=\"e06ec0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Smurfing-menetelm\u00e4ss\u00e4 laittomat varat jaetaan pieniin, n\u00e4enn\u00e4isesti laillisiin transaktioihin.<\/li><li>Rikolliset hy\u00f6dynt\u00e4v\u00e4t usein bulvaaneja tai rikoskumppaneita varojen nostamiseen tai transaktioiden suorittamiseen.<\/li><li>Smurfingista on ilmoitettava <a href=\"https:\/\/www.zoll.de\/DE\/FIU\/fiu_node.html\" target=\"_blank\" rel=\"noopener\">Financial Intelligence Unitille (FIU)<\/a>.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6da5b8 elementor-toc--minimized-on-desktop elementor-widget elementor-widget-table-of-contents\" data-id=\"f6da5b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;container&quot;:&quot;#index-content&quot;,&quot;exclude_headings_by_selector&quot;:[],&quot;no_headings_message&quot;:&quot;Es wurden keine \\u00dcberschriften auf dieser Seite gefunden.&quot;,&quot;minimized_on&quot;:&quot;desktop&quot;,&quot;headings_by_tags&quot;:[&quot;h2&quot;,&quot;h3&quot;,&quot;h4&quot;,&quot;h5&quot;,&quot;h6&quot;],&quot;marker_view&quot;:&quot;numbers&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tSis\u00e4llysluettelo\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__f6da5b8\" aria-expanded=\"true\" aria-label=\"Open table of contents\"><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_down\"><\/i><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__f6da5b8\" aria-expanded=\"true\" aria-label=\"Close table of contents\"><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_up\"><\/i><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__f6da5b8\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0a34f1f e-con-full e-flex e-con e-child\" data-id=\"0a34f1f\" data-element_type=\"container\" data-e-type=\"container\" id=\"index-content\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6e07d0b elementor-widget elementor-widget-spacer\" data-id=\"6e07d0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7439503 elementor-widget elementor-widget-heading\" data-id=\"7439503\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">M\u00e4\u00e4ritelm\u00e4: Mit\u00e4 on smurfing?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a9c3a6 elementor-widget elementor-widget-text-editor\" data-id=\"5a9c3a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tSmurfing, joka tunnetaan my\u00f6s nimell\u00e4 rakenteellinen rahanpesu, on laajalle levinnyt rahanpesumenetelm\u00e4. T\u00e4ss\u00e4 laittomassa k\u00e4yt\u00e4nn\u00f6ss\u00e4 huomattava m\u00e4\u00e4r\u00e4 laittomia varoja jaetaan pienempiin, n\u00e4enn\u00e4isesti laillisiin transaktioihin. Rikolliset jakavat rahat pienempiin summiin ja suorittavat lukuisia transaktioita v\u00e4ltt\u00e4\u00e4kseen lainvalvontaviranomaisten ep\u00e4ilyt. Termi \u201dsmurfing\u201d juontaa juurensa smurffeista, noista fiktiivisist\u00e4 sinisist\u00e4 olennoista, jotka el\u00e4v\u00e4t suuressa yhteis\u00f6ss\u00e4 ja koostuvat monista pienist\u00e4 yksil\u00f6ist\u00e4, samalla tavoin kuin monet pienet rahasummat muodostavat huomattavan kokonaisuuden.   \n\nT\u00e4t\u00e4 k\u00e4yt\u00e4nt\u00f6\u00e4 sovelletaan erityisesti yli 15 000 euron summiin, sill\u00e4 t\u00e4st\u00e4 summasta alkaen tallettajan pakollinen tunnistaminen ja transaktiotietojen s\u00e4ilytt\u00e4minen viiden vuoden ajan on lakis\u00e4\u00e4teist\u00e4. Smurfing on keskeinen prosessi rahanpesussa, erityisesti t\u00e4m\u00e4n laittoman menettelyn ensimm\u00e4isess\u00e4 vaiheessa. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-998cd94 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"998cd94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57a4d50 elementor-widget elementor-widget-heading\" data-id=\"57a4d50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">N\u00e4in smurfing toimii<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4d8526 elementor-widget elementor-widget-text-editor\" data-id=\"e4d8526\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tSmurfing perustuu ajatukseen, jonka mukaan suurten rahasummien jakaminen pienempiin eriin her\u00e4tt\u00e4\u00e4 v\u00e4hemm\u00e4n huomiota. Rikolliset hy\u00f6dynt\u00e4v\u00e4t usein bulvaaneja tai rikoskumppaneita varojen nostamiseen tai transaktioiden suorittamiseen. N\u00e4it\u00e4 rikoskumppaneita kutsutaan usein \u201dsmurffeiksi\u201d, sill\u00e4 he suorittavat pieni\u00e4, ep\u00e4ilyksi\u00e4 her\u00e4tt\u00e4m\u00e4tt\u00f6mi\u00e4 transaktioita laittoman rahan pesemiseksi.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45eeda9 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"45eeda9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-325af0e elementor-widget elementor-widget-image\" data-id=\"325af0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/auswirkung-von-smurfing-laptop-mit-graphen-1024x683.jpg\" class=\"attachment-large size-large wp-image-30810\" alt=\"Kokous smurfingin vaikutuksista, kannettava tietokone ja datakaavio\" srcset=\"https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/auswirkung-von-smurfing-laptop-mit-graphen-1024x683.jpg 1024w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/auswirkung-von-smurfing-laptop-mit-graphen-300x200.jpg 300w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/auswirkung-von-smurfing-laptop-mit-graphen-768x512.jpg 768w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/auswirkung-von-smurfing-laptop-mit-graphen.jpg 1200w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9cbb86 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"e9cbb86\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1cea15 elementor-widget elementor-widget-heading\" data-id=\"c1cea15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Smurfingin vaikutukset talouteen<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1676906 elementor-widget elementor-widget-text-editor\" data-id=\"1676906\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tSmurfingilla on kielteisi\u00e4 vaikutuksia talouteen, sill\u00e4 se edesauttaa laittoman toiminnan rahoittamista ja heikent\u00e4\u00e4 laillista taloutta. Pienten, n\u00e4enn\u00e4isesti oikeutettujen transaktioiden k\u00e4ytt\u00f6 rahanpesuun est\u00e4\u00e4 rikollisen toiminnan havaitsemisen ja torjumisen.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f401d05 elementor-widget elementor-widget-heading\" data-id=\"f401d05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Taloudellisen toiminnan v\u00e4\u00e4ristyminen<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08354ac elementor-widget elementor-widget-text-editor\" data-id=\"08354ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tSuurten rahasummien jakaminen pienempiin eriin h\u00e4m\u00e4rt\u00e4\u00e4 rahan laittoman alkuper\u00e4n, jolloin tarkan l\u00e4hteen j\u00e4ljitt\u00e4minen vaikeutuu. T\u00e4m\u00e4 johtaa taloudellisen toiminnan v\u00e4\u00e4ristymiseen ja voi aiheuttaa resurssien virheellist\u00e4 kohdentumista. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57cc8e8 elementor-widget elementor-widget-heading\" data-id=\"57cc8e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Verotulojen menetykset<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc38b0c elementor-widget elementor-widget-text-editor\" data-id=\"dc38b0c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tLis\u00e4ksi veroviranomaisten on vaikea m\u00e4\u00e4ritt\u00e4\u00e4 todellisia tuloja ja kantaa asianmukaisia veroja. T\u00e4m\u00e4 johtaa verotulojen menetykseen, joka j\u00e4\u00e4 viime k\u00e4dess\u00e4 yhteiskunnan kannettavaksi. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe20bf5 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"fe20bf5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a87a4c0 elementor-widget elementor-widget-heading\" data-id=\"a87a4c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">J\u00e4rjest\u00e4ytyneen rikollisuuden vahvistuminen<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b71d9ac elementor-widget elementor-widget-text-editor\" data-id=\"b71d9ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tToinen smurfingin yhteydess\u00e4 huomioitava n\u00e4k\u00f6kohta on sen kytkeytyminen muuhun laittomaan toimintaan. Usein smurfingin avulla pesty raha on per\u00e4isin laittomista l\u00e4hteist\u00e4, kuten huumekaupasta, ihmiskaupasta tai muusta rikollisesta toiminnasta. Tukemalla t\u00e4llaista laitonta toimintaa smurfing edist\u00e4\u00e4 j\u00e4rjest\u00e4ytyneen rikollisuuden vahvistumista ja voi lis\u00e4t\u00e4 v\u00e4kivaltaa ja turvattomuutta yhteiskunnassa.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ffd1738 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"ffd1738\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1fbb060 e-con-full e-flex e-con e-child\" data-id=\"1fbb060\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f0135f elementor-widget elementor-widget-heading\" data-id=\"7f0135f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Miten Nect auttaa?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b49346 elementor-widget elementor-widget-text-editor\" data-id=\"5b49346\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tNopeuta compliance-prosessejasi vaivattomasti ja lainmukaisesti: Tutustu Nectiin, joka on luotettu alusta <b>asianajajille, verokonsulteille, notaareille, tilintarkastajille ja kiinteist\u00f6nv\u00e4litt\u00e4jille<\/b>. L\u00e4het\u00e4 meille kysely ja varmista p\u00e4\u00e4sy tehokkaisiin, turvallisiin ja mukaviin ratkaisuihin asiakkaillesi \u2013 hy\u00f6dynn\u00e4 monien maineikkaiden toimistojen valitsemaa ratkaisua. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17e2d8b elementor-widget elementor-widget-image\" data-id=\"17e2d8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"520\" src=\"https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-1024x665.jpg\" class=\"attachment-large size-large wp-image-30396\" alt=\"Selain, jossa KYB-riskinarviointi KYC\" srcset=\"https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-1024x665.jpg 1024w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-300x195.jpg 300w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-768x499.jpg 768w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung.jpg 1200w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9bfb48 elementor-widget elementor-widget-button\" data-id=\"d9bfb48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6MjgyNjcsInRvZ2dsZSI6ZmFsc2V9\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Varaa demo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-859b86f elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"859b86f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6d6674 elementor-widget elementor-widget-heading\" data-id=\"a6d6674\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Milloin k\u00e4teistalletukset ja tilisiirrot luokitellaan smurfingiksi?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80f43f2 elementor-widget elementor-widget-text-editor\" data-id=\"80f43f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Smurfing voidaan <b>tunnistaa<\/b> kiinnitt\u00e4m\u00e4ll\u00e4 huomiota toistuviin, ep\u00e4tavallisen pieniin k\u00e4teistalletuksiin tai tilisiirtoihin, joita tehd\u00e4\u00e4n lyhyin aikav\u00e4lein. Toinen merkki voi olla n\u00e4enn\u00e4isesti toisiinsa liittym\u00e4tt\u00f6m\u00e4t henkil\u00f6t, jotka suorittavat samankaltaisia transaktioita. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a0131a9 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"a0131a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c042375 e-con-full e-flex e-con e-child\" data-id=\"c042375\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0c10382 elementor-widget elementor-widget-heading\" data-id=\"0c10382\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Miten toimia, jos havaitsee smurfingia?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9485a2e elementor-widget elementor-widget-text-editor\" data-id=\"9485a2e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Jos smurfingia ep\u00e4ill\u00e4\u00e4n, tapauksesta on ilmoitettava v\u00e4litt\u00f6m\u00e4sti <a href=\"https:\/\/www.zoll.de\/DE\/FIU\/fiu_node.html\" target=\"_blank\" rel=\"noopener\">Financial Intelligence Unitille (FIU)<\/a>. Tietojen v\u00e4litys tapahtuu digitaalisesti \u201d<a href=\"https:\/\/goaml.fiu.bund.de\/Home\" target=\"_blank\" rel=\"noopener\">goAML<\/a>\u201d-verkkoalustan kautta. Itsen\u00e4isi\u00e4 selvityksi\u00e4 ei tule suorittaa, sill\u00e4 se voisi varoittaa rahanpesij\u00f6it\u00e4 ja vaikeuttaa todisteiden varmistamista.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bba1fa6 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"bba1fa6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f89663 elementor-widget elementor-widget-heading\" data-id=\"1f89663\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Rahanpesun torjunta<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f855aa elementor-widget elementor-widget-text-editor\" data-id=\"2f855aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tSmurfingin tehokas torjunta edellytt\u00e4\u00e4 tiivist\u00e4 yhteisty\u00f6t\u00e4 lainvalvontaviranomaisten, finanssilaitosten ja muiden asiaankuuluvien toimijoiden v\u00e4lill\u00e4 sek\u00e4 ep\u00e4ilytt\u00e4vien transaktioiden tehostettua valvontaa ja havaitsemista. Lis\u00e4ksi on t\u00e4rke\u00e4\u00e4 lis\u00e4t\u00e4 tietoisuutta smurfingin riskeist\u00e4 ja vaikutuksista sek\u00e4 valistaa yleis\u00f6\u00e4 rahanpesun torjunnan merkityksest\u00e4. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebf9f7a elementor-widget elementor-widget-heading\" data-id=\"ebf9f7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Lakis\u00e4\u00e4teiset toimenpiteet rahanpesua vastaan<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1842da2 elementor-widget elementor-widget-text-editor\" data-id=\"1842da2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Saksassa BaFin p\u00e4ivitti rahanpesulakia vuonna 2017. T\u00e4m\u00e4 laki varmistaa, ett\u00e4 finanssilaitokset tunnistavat asiakkaansa, tekev\u00e4t riskiarvioinnin ja ilmoittavat ep\u00e4ilytt\u00e4vist\u00e4 transaktioista \u2013 esimerkiksi smurfingin muodossa. My\u00f6s lainvalvontaviranomaisilla on erityisosastoja, jotka keskittyv\u00e4t rahanpesun torjuntaan.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24e69a8 elementor-widget elementor-widget-heading\" data-id=\"24e69a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Finanssilaitosten ennaltaehk\u00e4isev\u00e4t toimenpiteet<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-84e2787 elementor-widget elementor-widget-text-editor\" data-id=\"84e2787\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Finanssilaitosten ja muiden rahanpesulain (GwG) velvoittamien tahojen on toteutettava ennaltaehk\u00e4isevi\u00e4 toimenpiteit\u00e4 rahanpesun est\u00e4miseksi. N\u00e4ihin kuuluvat <a href=\"https:\/\/nect.com\/fi\/tuotteet\/kyc-kyb\/\" target=\"_blank\" rel=\"noopener\">asiakkaan tuntemista koskevat tarkastukset<\/a>, transaktioiden valvonta (ep\u00e4ilytt\u00e4v\u00e4t tilisiirrot, talletukset jne.), henkil\u00f6st\u00f6n kouluttaminen ep\u00e4ilytt\u00e4v\u00e4n toiminnan tunnistamiseen sek\u00e4 yhteisty\u00f6 lainvalvontaviranomaisten kanssa. Finanssilaitosten on my\u00f6s otettava k\u00e4ytt\u00f6\u00f6n vaatimustenmukaisuusohjelmia ja suoritettava s\u00e4\u00e4nn\u00f6llisi\u00e4 tarkastuksia varmistaakseen, ett\u00e4 ne t\u00e4ytt\u00e4v\u00e4t lakis\u00e4\u00e4teiset vaatimukset.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd74044 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"dd74044\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9bf637a elementor-widget elementor-widget-heading\" data-id=\"9bf637a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Rahamuuli: Toinen rahanpesumenetelm\u00e4<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac13db9 elementor-widget elementor-widget-text-editor\" data-id=\"ac13db9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tRahamuulilla (Money Mule) tarkoitetaan henkil\u00f6it\u00e4, jotka luovuttavat pankkitilins\u00e4 k\u00e4ytt\u00f6\u00f6n laittoman rahan vastaanottamista tai siirt\u00e4mist\u00e4 varten. Rikolliset rekrytoivat n\u00e4it\u00e4 henkil\u00f6it\u00e4, joita kutsutaan \u201drahamuuleiksi\u201d, usein v\u00e4\u00e4rien lupausten avulla helposta ansaitsemisesta. Rahamuuleilla on ratkaiseva rooli rikollisen rahanpesutoiminnan peittelyss\u00e4.  \n\nRahamuulit ottavat suuria riskej\u00e4 osallistuessaan t\u00e4llaiseen toimintaan. Jos heid\u00e4n toimintansa paljastuu, heit\u00e4 voidaan syytt\u00e4\u00e4 rikoksesta \u2013 \u201davunanto rahanpesuun\u201d \u2013 ja heit\u00e4 voi odottaa monivuotinen vankeustuomio. Lis\u00e4ksi heid\u00e4n taloudellinen tulevaisuutensa voi vaarantua merkitt\u00e4v\u00e4sti, sill\u00e4 he ovat usein sekaantuneet laittomiin juoniin ja heill\u00e4 on vaikeuksia avata normaalia pankkitili\u00e4 tai saada lainaa.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Smurfing on rahanpesumenetelm\u00e4, jossa suuri m\u00e4\u00e4r\u00e4 laitonta rahaa jaetaan pieniin, n\u00e4enn\u00e4isesti laillisiin transaktioihin.<\/p>\n","protected":false},"author":1,"featured_media":30809,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[755],"tags":[756,758,786],"class_list":["post-30808","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blogi","tag-compliance","tag-regulatory","tag-turvallisuus"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.8 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Smurfing: Mit\u00e4 rahanpesumenetelm\u00e4n taustalla on - Nect<\/title>\n<meta name=\"description\" content=\"Smurfing on rahanpesumenetelm\u00e4, jossa suuri m\u00e4\u00e4r\u00e4 laitonta rahaa jaetaan pieniin, n\u00e4enn\u00e4isesti laillisiin transaktioihin.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nect.com\/fi\/media\/blogi\/smurfing-mitae-rahanpesumenetelmaen-taustalla-on\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Smurfing: Mit\u00e4 rahanpesumenetelm\u00e4n taustalla on\" \/>\n<meta property=\"og:description\" content=\"Smurfing on rahanpesumenetelm\u00e4, jossa suuri m\u00e4\u00e4r\u00e4 laitonta rahaa jaetaan pieniin, n\u00e4enn\u00e4isesti laillisiin transaktioihin.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/nect.com\/fi\/media\/blogi\/smurfing-mitae-rahanpesumenetelmaen-taustalla-on\/\" \/>\n<meta property=\"og:site_name\" content=\"Nect\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/NiceToNectYou\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-20T12:56:58+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-27T16:38:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/smurfing-visual.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Maurice Vogel\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@nicetonectyou\" \/>\n<meta name=\"twitter:site\" content=\"@nicetonectyou\" \/>\n<meta name=\"twitter:label1\" content=\"Kirjoittanut\" \/>\n\t<meta name=\"twitter:data1\" content=\"Maurice Vogel\" \/>\n\t<meta name=\"twitter:label2\" content=\"Arvioitu lukuaika\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minuuttia\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/nect.com\\\/fi\\\/media\\\/blogi\\\/smurfing-mitae-rahanpesumenetelmaen-taustalla-on\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/nect.com\\\/fi\\\/media\\\/blogi\\\/smurfing-mitae-rahanpesumenetelmaen-taustalla-on\\\/\"},\"author\":{\"name\":\"Maurice Vogel\",\"@id\":\"https:\\\/\\\/nect.com\\\/fi\\\/#\\\/schema\\\/person\\\/4a12335203c9d79e727920a23ddf1daf\"},\"headline\":\"Smurfing: Mit\u00e4 rahanpesumenetelm\u00e4n taustalla on\",\"datePublished\":\"2025-11-20T12:56:58+00:00\",\"dateModified\":\"2026-10-27T16:38:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/nect.com\\\/fi\\\/media\\\/blogi\\\/smurfing-mitae-rahanpesumenetelmaen-taustalla-on\\\/\"},\"wordCount\":808,\"publisher\":{\"@id\":\"https:\\\/\\\/nect.com\\\/fi\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/nect.com\\\/fi\\\/media\\\/blogi\\\/smurfing-mitae-rahanpesumenetelmaen-taustalla-on\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/nect.com\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/smurfing-visual.jpg\",\"keywords\":[\"Compliance\",\"Regulatory\",\"Turvallisuus\"],\"articleSection\":[\"Blogi\"],\"inLanguage\":\"fi\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/nect.com\\\/fi\\\/media\\\/blogi\\\/smurfing-mitae-rahanpesumenetelmaen-taustalla-on\\\/\",\"url\":\"https:\\\/\\\/nect.com\\\/fi\\\/media\\\/blogi\\\/smurfing-mitae-rahanpesumenetelmaen-taustalla-on\\\/\",\"name\":\"Smurfing: Mit\u00e4 rahanpesumenetelm\u00e4n taustalla on - Nect\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/nect.com\\\/fi\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/nect.com\\\/fi\\\/media\\\/blogi\\\/smurfing-mitae-rahanpesumenetelmaen-taustalla-on\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/nect.com\\\/fi\\\/media\\\/blogi\\\/smurfing-mitae-rahanpesumenetelmaen-taustalla-on\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/nect.com\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/smurfing-visual.jpg\",\"datePublished\":\"2025-11-20T12:56:58+00:00\",\"dateModified\":\"2026-10-27T16:38:09+00:00\",\"description\":\"Smurfing on rahanpesumenetelm\u00e4, jossa suuri m\u00e4\u00e4r\u00e4 laitonta rahaa jaetaan pieniin, n\u00e4enn\u00e4isesti laillisiin transaktioihin.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/nect.com\\\/fi\\\/media\\\/blogi\\\/smurfing-mitae-rahanpesumenetelmaen-taustalla-on\\\/#breadcrumb\"},\"inLanguage\":\"fi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/nect.com\\\/fi\\\/media\\\/blogi\\\/smurfing-mitae-rahanpesumenetelmaen-taustalla-on\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fi\",\"@id\":\"https:\\\/\\\/nect.com\\\/fi\\\/media\\\/blogi\\\/smurfing-mitae-rahanpesumenetelmaen-taustalla-on\\\/#primaryimage\",\"url\":\"https:\\\/\\\/nect.com\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/smurfing-visual.jpg\",\"contentUrl\":\"https:\\\/\\\/nect.com\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/smurfing-visual.jpg\",\"width\":1280,\"height\":720},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/nect.com\\\/fi\\\/media\\\/blogi\\\/smurfing-mitae-rahanpesumenetelmaen-taustalla-on\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Startseite\",\"item\":\"https:\\\/\\\/nect.com\\\/fi\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Smurfing: Mit\u00e4 rahanpesumenetelm\u00e4n taustalla on\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/nect.com\\\/fi\\\/#website\",\"url\":\"https:\\\/\\\/nect.com\\\/fi\\\/\",\"name\":\"Nect\",\"description\":\"Built for the future of digital identity.\",\"publisher\":{\"@id\":\"https:\\\/\\\/nect.com\\\/fi\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/nect.com\\\/fi\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fi\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/nect.com\\\/fi\\\/#organization\",\"name\":\"Nect\",\"url\":\"https:\\\/\\\/nect.com\\\/fi\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fi\",\"@id\":\"https:\\\/\\\/nect.com\\\/fi\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/nect.com\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/Nect_favicon_App.svg\",\"contentUrl\":\"https:\\\/\\\/nect.com\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/Nect_favicon_App.svg\",\"width\":512,\"height\":512,\"caption\":\"Nect\"},\"image\":{\"@id\":\"https:\\\/\\\/nect.com\\\/fi\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/NiceToNectYou\\\/\",\"https:\\\/\\\/x.com\\\/nicetonectyou\",\"https:\\\/\\\/www.instagram.com\\\/nect\\\/\",\"https:\\\/\\\/vimeo.com\\\/nect\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/nect.com\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/nect.com\\\/fi\\\/#\\\/schema\\\/person\\\/4a12335203c9d79e727920a23ddf1daf\",\"name\":\"Maurice Vogel\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fi\",\"@id\":\"https:\\\/\\\/nect.com\\\/wp-content\\\/litespeed\\\/avatar\\\/2076d8d23cfe053c1e00bda764ca25c6.jpg?ver=1793204174\",\"url\":\"https:\\\/\\\/nect.com\\\/wp-content\\\/litespeed\\\/avatar\\\/2076d8d23cfe053c1e00bda764ca25c6.jpg?ver=1793204174\",\"contentUrl\":\"https:\\\/\\\/nect.com\\\/wp-content\\\/litespeed\\\/avatar\\\/2076d8d23cfe053c1e00bda764ca25c6.jpg?ver=1793204174\",\"caption\":\"Maurice Vogel\"},\"description\":\"Senior Product Designer\",\"sameAs\":[\"https:\\\/\\\/nect.com\"]}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Smurfing: Mit\u00e4 rahanpesumenetelm\u00e4n taustalla on - Nect","description":"Smurfing on rahanpesumenetelm\u00e4, jossa suuri m\u00e4\u00e4r\u00e4 laitonta rahaa jaetaan pieniin, n\u00e4enn\u00e4isesti laillisiin transaktioihin.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/nect.com\/fi\/media\/blogi\/smurfing-mitae-rahanpesumenetelmaen-taustalla-on\/","og_locale":"fi_FI","og_type":"article","og_title":"Smurfing: Mit\u00e4 rahanpesumenetelm\u00e4n taustalla on","og_description":"Smurfing on rahanpesumenetelm\u00e4, jossa suuri m\u00e4\u00e4r\u00e4 laitonta rahaa jaetaan pieniin, n\u00e4enn\u00e4isesti laillisiin transaktioihin.","og_url":"https:\/\/nect.com\/fi\/media\/blogi\/smurfing-mitae-rahanpesumenetelmaen-taustalla-on\/","og_site_name":"Nect","article_publisher":"https:\/\/www.facebook.com\/NiceToNectYou\/","article_published_time":"2025-11-20T12:56:58+00:00","article_modified_time":"2026-10-27T16:38:09+00:00","og_image":[{"width":1280,"height":720,"url":"https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/smurfing-visual.jpg","type":"image\/jpeg"}],"author":"Maurice Vogel","twitter_card":"summary_large_image","twitter_creator":"@nicetonectyou","twitter_site":"@nicetonectyou","twitter_misc":{"Kirjoittanut":"Maurice Vogel","Arvioitu lukuaika":"6 minuuttia"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/nect.com\/fi\/media\/blogi\/smurfing-mitae-rahanpesumenetelmaen-taustalla-on\/#article","isPartOf":{"@id":"https:\/\/nect.com\/fi\/media\/blogi\/smurfing-mitae-rahanpesumenetelmaen-taustalla-on\/"},"author":{"name":"Maurice Vogel","@id":"https:\/\/nect.com\/fi\/#\/schema\/person\/4a12335203c9d79e727920a23ddf1daf"},"headline":"Smurfing: Mit\u00e4 rahanpesumenetelm\u00e4n taustalla on","datePublished":"2025-11-20T12:56:58+00:00","dateModified":"2026-10-27T16:38:09+00:00","mainEntityOfPage":{"@id":"https:\/\/nect.com\/fi\/media\/blogi\/smurfing-mitae-rahanpesumenetelmaen-taustalla-on\/"},"wordCount":808,"publisher":{"@id":"https:\/\/nect.com\/fi\/#organization"},"image":{"@id":"https:\/\/nect.com\/fi\/media\/blogi\/smurfing-mitae-rahanpesumenetelmaen-taustalla-on\/#primaryimage"},"thumbnailUrl":"https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/smurfing-visual.jpg","keywords":["Compliance","Regulatory","Turvallisuus"],"articleSection":["Blogi"],"inLanguage":"fi"},{"@type":"WebPage","@id":"https:\/\/nect.com\/fi\/media\/blogi\/smurfing-mitae-rahanpesumenetelmaen-taustalla-on\/","url":"https:\/\/nect.com\/fi\/media\/blogi\/smurfing-mitae-rahanpesumenetelmaen-taustalla-on\/","name":"Smurfing: Mit\u00e4 rahanpesumenetelm\u00e4n taustalla on - Nect","isPartOf":{"@id":"https:\/\/nect.com\/fi\/#website"},"primaryImageOfPage":{"@id":"https:\/\/nect.com\/fi\/media\/blogi\/smurfing-mitae-rahanpesumenetelmaen-taustalla-on\/#primaryimage"},"image":{"@id":"https:\/\/nect.com\/fi\/media\/blogi\/smurfing-mitae-rahanpesumenetelmaen-taustalla-on\/#primaryimage"},"thumbnailUrl":"https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/smurfing-visual.jpg","datePublished":"2025-11-20T12:56:58+00:00","dateModified":"2026-10-27T16:38:09+00:00","description":"Smurfing on rahanpesumenetelm\u00e4, jossa suuri m\u00e4\u00e4r\u00e4 laitonta rahaa jaetaan pieniin, n\u00e4enn\u00e4isesti laillisiin transaktioihin.","breadcrumb":{"@id":"https:\/\/nect.com\/fi\/media\/blogi\/smurfing-mitae-rahanpesumenetelmaen-taustalla-on\/#breadcrumb"},"inLanguage":"fi","potentialAction":[{"@type":"ReadAction","target":["https:\/\/nect.com\/fi\/media\/blogi\/smurfing-mitae-rahanpesumenetelmaen-taustalla-on\/"]}]},{"@type":"ImageObject","inLanguage":"fi","@id":"https:\/\/nect.com\/fi\/media\/blogi\/smurfing-mitae-rahanpesumenetelmaen-taustalla-on\/#primaryimage","url":"https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/smurfing-visual.jpg","contentUrl":"https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/smurfing-visual.jpg","width":1280,"height":720},{"@type":"BreadcrumbList","@id":"https:\/\/nect.com\/fi\/media\/blogi\/smurfing-mitae-rahanpesumenetelmaen-taustalla-on\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Startseite","item":"https:\/\/nect.com\/fi\/"},{"@type":"ListItem","position":2,"name":"Smurfing: Mit\u00e4 rahanpesumenetelm\u00e4n taustalla on"}]},{"@type":"WebSite","@id":"https:\/\/nect.com\/fi\/#website","url":"https:\/\/nect.com\/fi\/","name":"Nect","description":"Built for the future of digital identity.","publisher":{"@id":"https:\/\/nect.com\/fi\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/nect.com\/fi\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fi"},{"@type":"Organization","@id":"https:\/\/nect.com\/fi\/#organization","name":"Nect","url":"https:\/\/nect.com\/fi\/","logo":{"@type":"ImageObject","inLanguage":"fi","@id":"https:\/\/nect.com\/fi\/#\/schema\/logo\/image\/","url":"https:\/\/nect.com\/wp-content\/uploads\/2025\/05\/Nect_favicon_App.svg","contentUrl":"https:\/\/nect.com\/wp-content\/uploads\/2025\/05\/Nect_favicon_App.svg","width":512,"height":512,"caption":"Nect"},"image":{"@id":"https:\/\/nect.com\/fi\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/NiceToNectYou\/","https:\/\/x.com\/nicetonectyou","https:\/\/www.instagram.com\/nect\/","https:\/\/vimeo.com\/nect\/","https:\/\/www.linkedin.com\/company\/nect.com"]},{"@type":"Person","@id":"https:\/\/nect.com\/fi\/#\/schema\/person\/4a12335203c9d79e727920a23ddf1daf","name":"Maurice Vogel","image":{"@type":"ImageObject","inLanguage":"fi","@id":"https:\/\/nect.com\/wp-content\/litespeed\/avatar\/2076d8d23cfe053c1e00bda764ca25c6.jpg?ver=1793204174","url":"https:\/\/nect.com\/wp-content\/litespeed\/avatar\/2076d8d23cfe053c1e00bda764ca25c6.jpg?ver=1793204174","contentUrl":"https:\/\/nect.com\/wp-content\/litespeed\/avatar\/2076d8d23cfe053c1e00bda764ca25c6.jpg?ver=1793204174","caption":"Maurice Vogel"},"description":"Senior Product Designer","sameAs":["https:\/\/nect.com"]}]}},"_links":{"self":[{"href":"https:\/\/nect.com\/fi\/wp-json\/wp\/v2\/posts\/30808","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nect.com\/fi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nect.com\/fi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nect.com\/fi\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/nect.com\/fi\/wp-json\/wp\/v2\/comments?post=30808"}],"version-history":[{"count":1,"href":"https:\/\/nect.com\/fi\/wp-json\/wp\/v2\/posts\/30808\/revisions"}],"predecessor-version":[{"id":30811,"href":"https:\/\/nect.com\/fi\/wp-json\/wp\/v2\/posts\/30808\/revisions\/30811"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nect.com\/fi\/wp-json\/wp\/v2\/media\/30809"}],"wp:attachment":[{"href":"https:\/\/nect.com\/fi\/wp-json\/wp\/v2\/media?parent=30808"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nect.com\/fi\/wp-json\/wp\/v2\/categories?post=30808"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nect.com\/fi\/wp-json\/wp\/v2\/tags?post=30808"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}