{"id":30378,"date":"2026-08-08T16:28:53","date_gmt":"2026-08-08T14:28:53","guid":{"rendered":"https:\/\/nect.com\/media\/unkategorisiert\/risikoanalyse-gemaess-gwg-igy-keruelheti-el-a-hibakat\/"},"modified":"2026-10-27T16:41:17","modified_gmt":"2026-10-27T15:41:17","slug":"risikoanalyse-gemaess-gwg-igy-keruelheti-el-a-hibakat","status":"publish","type":"post","link":"https:\/\/nect.com\/hu\/media\/blog\/risikoanalyse-gemaess-gwg-igy-keruelheti-el-a-hibakat\/","title":{"rendered":"Risikoanalyse gem\u00e4\u00df GwG: \u00cdgy ker\u00fclheti el a hib\u00e1kat!"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"30378\" class=\"elementor elementor-30378 elementor-30284\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd8ed7b e-flex e-con-boxed e-con e-parent\" data-id=\"dd8ed7b\" 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-87cd6d8 elementor-widget elementor-widget-text-editor\" data-id=\"87cd6d8\" 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>A GwG (Geldw\u00e4schegesetz) szerinti Risikoanalyse d\u00f6nt\u0151 szerepet j\u00e1tszik a hib\u00e1k elker\u00fcl\u00e9s\u00e9ben \u00e9s a p\u00e9nzmos\u00e1s elleni compliance hat\u00e9kony megval\u00f3s\u00edt\u00e1s\u00e1nak biztos\u00edt\u00e1s\u00e1ban. <\/p><p>Ez a cikk l\u00e9nyeg\u00e9ben a \u201enem p\u00e9nz\u00fcgyi\u201d szektorra vonatkozik.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ef40658 e-con-full e-flex e-con e-child\" data-id=\"ef40658\" 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-0c0d848 elementor-widget elementor-widget-heading\" data-id=\"0c0d848\" 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\">A legfontosabbak r\u00f6viden<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ef11aa elementor-widget elementor-widget-text-editor\" data-id=\"5ef11aa\" 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>A GwG szerinti kock\u00e1zatelemz\u00e9s jelent\u0151s\u00e9ge: A kock\u00e1zatelemz\u00e9s a <a href=\"https:\/\/nect.com\/hu\/media\/blog\/penzmosasi-toerveny-amit-a-vallalatoknak-tudniuk-kell\/\" target=\"_blank\" rel=\"noopener\">p\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9ny<\/a> (GwG) k\u00f6zponti eleme, amely kock\u00e1zatalap\u00fa megk\u00f6zel\u00edt\u00e9ssel t\u00e1mogatja a <a href=\"https:\/\/nect.com\/media\/blog\/geldwaesche-das-sollten-sie-unbedingt-beachten\/\" target=\"_blank\" rel=\"noopener\">p\u00e9nzmos\u00e1s<\/a> \u00e9s a terrorizmus finansz\u00edroz\u00e1sa elleni megel\u0151z\u00e9st \u00e9s k\u00fczdelmet. El\u0151\u00edrja a v\u00e1llalatok sz\u00e1m\u00e1ra egy olyan hat\u00e9kony kock\u00e1zatkezel\u00e9si rendszer implement\u00e1l\u00e1s\u00e1t, amely figyelembe veszi az \u00fczleti tev\u00e9kenys\u00e9geket \u00e9s az azokhoz kapcsol\u00f3d\u00f3 kock\u00e1zatokat, valamint a saj\u00e1t \u00e9s a nemzeti kock\u00e1zatelemz\u00e9seknek megfelel\u0151en alak\u00edtja ki a bels\u0151 biztons\u00e1gi int\u00e9zked\u00e9seket. <\/li><li>A kock\u00e1zatelemz\u00e9s elv\u00e9gz\u00e9se \u00e9s adapt\u00e1l\u00e1sa: A kock\u00e1zatelemz\u00e9st egyedileg, a v\u00e1llalat \u00fczleti tev\u00e9kenys\u00e9g\u00e9nek jelleg\u00e9hez \u00e9s m\u00e9rt\u00e9k\u00e9hez igaz\u00edtva kell elv\u00e9gezni. Ennek sor\u00e1n integr\u00e1lni kell a jogszab\u00e1lyban meghat\u00e1rozott kock\u00e1zati t\u00e9nyez\u0151ket, valamint a nemzeti kock\u00e1zatelemz\u00e9sb\u0151l sz\u00e1rmaz\u00f3 meg\u00e1llap\u00edt\u00e1sokat a potenci\u00e1lis kock\u00e1zatok \u00e1tfog\u00f3 \u00e9rt\u00e9kel\u00e9se \u00e9s kezel\u00e9se \u00e9rdek\u00e9ben. <\/li><li>A kock\u00e1zatelemz\u00e9s v\u00e9grehajt\u00e1si l\u00e9p\u00e9sei \u00e9s fel\u00fcgyelete: A kock\u00e1zatelemz\u00e9s v\u00e9grehajt\u00e1sa t\u00f6bb l\u00e9p\u00e9sben t\u00f6rt\u00e9nik, kezdve a helyzetfelm\u00e9r\u00e9ssel \u00e9s a kock\u00e1zatok azonos\u00edt\u00e1s\u00e1val, amelyet a kock\u00e1zatok kategoriz\u00e1l\u00e1sa \u00e9s s\u00falyoz\u00e1sa k\u00f6vet. V\u00e9gezet\u00fcl az elemz\u00e9s alapj\u00e1n bels\u0151 biztons\u00e1gi int\u00e9zked\u00e9seket kell bevezetni \u00e9s rendszeresen fel\u00fclvizsg\u00e1lni az \u00fczleti kapcsolatok dinamikus \u00e9s folyamatos nyomon k\u00f6vet\u00e9s\u00e9nek biztos\u00edt\u00e1sa \u00e9rdek\u00e9ben. <\/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-c03a384 elementor-toc--minimized-on-desktop elementor-widget elementor-widget-table-of-contents\" data-id=\"c03a384\" 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\tTartalomjegyz\u00e9k\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__c03a384\" 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__c03a384\" 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__c03a384\" 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-8800667 e-con-full e-flex e-con e-child\" data-id=\"8800667\" data-element_type=\"container\" data-e-type=\"container\" id=\"index-content\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ecdc2ea elementor-widget elementor-widget-spacer\" data-id=\"ecdc2ea\" 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-1c4488d elementor-widget elementor-widget-heading\" data-id=\"1c4488d\" 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\">Mi\u00e9rt fontos a kock\u00e1zatelemz\u00e9s?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2c0323 elementor-widget elementor-widget-text-editor\" data-id=\"a2c0323\" 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\tA GwG 3a. \u00a7 (1) bekezd\u00e9se \u00e9rtelm\u00e9ben a p\u00e9nzmos\u00e1s \u00e9s a terrorizmus finansz\u00edroz\u00e1sa elleni megel\u0151z\u00e9s \u00e9s k\u00fczdelem kock\u00e1zatalap\u00fa megk\u00f6zel\u00edt\u00e9sen alapul. A szolg\u00e1ltat\u00f3knak a GwG 4. \u00a7-a alapj\u00e1n hat\u00e9kony kock\u00e1zatkezel\u00e9st kell implement\u00e1lniuk, amely mag\u00e1ban foglalja a kock\u00e1zatelemz\u00e9st (GwG 5. \u00a7) \u00e9s a bels\u0151 biztons\u00e1gi int\u00e9zked\u00e9seket (GwG 6. \u00a7). A hat\u00e9kony kock\u00e1zatkezel\u00e9s minden \u00fczleti tev\u00e9kenys\u00e9get \u00e9s az azokb\u00f3l ered\u0151 kock\u00e1zatokat figyelembe veszi. A bels\u0151 biztons\u00e1gi int\u00e9zked\u00e9sek megfelel\u0151s\u00e9g\u00e9t a saj\u00e1t kock\u00e1zatelemz\u00e9s \u00e9s a nemzeti kock\u00e1zatelemz\u00e9s eredm\u00e9nyei alapj\u00e1n hat\u00e1rozz\u00e1k meg. Emellett a kock\u00e1zatkezel\u00e9snek a GwG 4. \u00a7 (1) bekezd\u00e9se szerint tekintettel kell lennie az \u00fczleti tev\u00e9kenys\u00e9g jelleg\u00e9re \u00e9s m\u00e9rt\u00e9k\u00e9re.      \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-62a2119 elementor-widget elementor-widget-spacer\" data-id=\"62a2119\" 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-2bb9da2 elementor-widget elementor-widget-heading\" data-id=\"2bb9da2\" 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\">Mi a kock\u00e1zatelemz\u00e9s jogszab\u00e1lyi alapja?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5b26e0 elementor-widget elementor-widget-text-editor\" data-id=\"d5b26e0\" 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\tA GwG szerinti kock\u00e1zatelemz\u00e9s sor\u00e1n elk\u00f6vetett hib\u00e1k elker\u00fcl\u00e9se \u00e9rdek\u00e9ben fontos a kock\u00e1zatelemz\u00e9s defin\u00edci\u00f3j\u00e1nak \u00e9s jelent\u0151s\u00e9g\u00e9nek meg\u00e9rt\u00e9se. A kock\u00e1zatelemz\u00e9s egy olyan folyamat, amelynek sor\u00e1n a potenci\u00e1lis kock\u00e1zati t\u00e9nyez\u0151ket azonos\u00edtj\u00e1k, \u00e9rt\u00e9kelik \u00e9s kezelik a p\u00e9nzmos\u00e1s elleni el\u0151\u00edr\u00e1sok betart\u00e1s\u00e1nak biztos\u00edt\u00e1sa \u00e9rdek\u00e9ben. \n\nA kock\u00e1zatelemz\u00e9st az \u00fczleti tev\u00e9kenys\u00e9g jelleg\u00e9nek \u00e9s m\u00e9rt\u00e9k\u00e9nek (GwG 4. \u00a7 (1) bek.) megfelel\u0151en kell elk\u00e9sz\u00edteni. Ennek sor\u00e1n a GwG 5. \u00a7 (1) bekezd\u00e9se alapj\u00e1n figyelembe kell venni az 1. \u00e9s 2. mell\u00e9kletben szerepl\u0151 kock\u00e1zati t\u00e9nyez\u0151ket, valamint a nemzeti kock\u00e1zatelemz\u00e9s meg\u00e1llap\u00edt\u00e1sait. Ezek a mell\u00e9kletek p\u00e9ld\u00e1kat szolg\u00e1ltatnak a potenci\u00e1lisan kock\u00e1zatn\u00f6vel\u0151 vagy kock\u00e1zatcs\u00f6kkent\u0151 t\u00e9nyez\u0151kre. Az \u00f6sszkock\u00e1zatot nem az egyes t\u00e9nyez\u0151k megl\u00e9te, hanem az \u00f6sszes relev\u00e1ns kock\u00e1zat \u00e1tfog\u00f3 vizsg\u00e1lata hat\u00e1rozza meg.    \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-07a8152 elementor-widget elementor-widget-spacer\" data-id=\"07a8152\" 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-3b11817 elementor-widget elementor-widget-heading\" data-id=\"3b11817\" 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\">A kock\u00e1zatelemz\u00e9s megval\u00f3s\u00edt\u00e1sa: l\u00e9p\u00e9sr\u0151l l\u00e9p\u00e9sre<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2033b76 elementor-widget elementor-widget-heading\" data-id=\"2033b76\" 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\">1. l\u00e9p\u00e9s: Helyzetfelm\u00e9r\u00e9s<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8ff6f9 elementor-widget elementor-widget-text-editor\" data-id=\"f8ff6f9\" 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>P\u00e9ldak\u00e9nt felsoroltunk n\u00e9h\u00e1ny kock\u00e1zati t\u00e9nyez\u0151t a potenci\u00e1lisan alacsony kock\u00e1zathoz (<a href=\"https:\/\/www.gesetze-im-internet.de\/gwg_2017\/anlage_1.html\" target=\"_blank\" rel=\"noopener\">1. mell\u00e9klet<\/a>) \u00e9s a magasabb kock\u00e1zathoz (<a href=\"https:\/\/www.gesetze-im-internet.de\/gwg_2017\/anlage_2.html\" target=\"_blank\" rel=\"noopener\">2. mell\u00e9klet<\/a>). Ezt k\u00f6vet\u0151en \u00f6sszefoglal\u00f3t tal\u00e1l bizonyos \u00e1gazatok kock\u00e1zatair\u00f3l a <a href=\"https:\/\/www.bundesfinanzministerium.de\/Content\/DE\/Downloads\/Broschueren_Bestellservice\/2019-10-19-erste-nationale-risikoanalyse_2018-2019.pdf?__blob=publicationFile&#038;v=1\" target=\"_blank\" rel=\"noopener\">nemzeti kock\u00e1zatelemz\u00e9s<\/a> alapj\u00e1n: <\/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-471287c elementor-widget elementor-widget-heading\" data-id=\"471287c\" 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\">2. l\u00e9p\u00e9s: Kock\u00e1zatok azonos\u00edt\u00e1sa<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7297bd elementor-widget elementor-widget-heading\" data-id=\"a7297bd\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Potenci\u00e1lisan alacsony kock\u00e1zati t\u00e9nyez\u0151k<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96bec20 elementor-widget elementor-widget-text-editor\" data-id=\"96bec20\" 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<ol><li><strong>\u00dcgyf\u00e9lkock\u00e1zat<\/strong><ul><li>T\u0151zsd\u00e9n jegyzett nyilv\u00e1nos t\u00e1rsas\u00e1gok, amelyekre olyan k\u00f6zz\u00e9t\u00e9teli k\u00f6telezetts\u00e9gek vonatkoznak (t\u0151zsdei szab\u00e1lyzatok vagy t\u00f6rv\u00e9nyek alapj\u00e1n), amelyek biztos\u00edtj\u00e1k a t\u00e9nyleges tulajdonos megfelel\u0151 \u00e1tl\u00e1that\u00f3s\u00e1g\u00e1t.<\/li><li>K\u00f6zigazgat\u00e1si szervek vagy \u00e1llami v\u00e1llalatok.<\/li><li>Alacsonyabb kock\u00e1zat\u00fa f\u00f6ldrajzi ter\u00fcleten lak\u00f3hellyel rendelkez\u0151 \u00fcgyfelek.<\/li><\/ul><\/li><li><strong>Term\u00e9k-, szolg\u00e1ltat\u00e1s-, tranzakci\u00f3- vagy \u00e9rt\u00e9kes\u00edt\u00e9si csatorna kock\u00e1zata<\/strong><ul><li>Alacsony d\u00edj\u00fa \u00e9letbiztos\u00edt\u00e1si k\u00f6tv\u00e9nyek.<\/li><li>Visszav\u00e1s\u00e1rl\u00e1si z\u00e1rad\u00e9k n\u00e9lk\u00fcli nyugd\u00edjbiztos\u00edt\u00e1si k\u00f6tv\u00e9nyek, vagy amelyek nem szolg\u00e1lhatnak k\u00f6lcs\u00f6n fedezet\u00e9\u00fcl.<\/li><li>Olyan nyugd\u00edjrendszerek \u00e9s nyugd\u00edjtervek, amelyek a j\u00e1rul\u00e9kokat a fizet\u00e9sb\u0151l vonj\u00e1k le, \u00e9s nem teszik lehet\u0151v\u00e9 a jogok \u00e1truh\u00e1z\u00e1s\u00e1t.<\/li><li>A p\u00e9nz\u00fcgyi befogad\u00e1st (\u201efinancial inclusion\u201d) c\u00e9lz\u00f3 p\u00e9nz\u00fcgyi term\u00e9kek vagy szolg\u00e1ltat\u00e1sok.<\/li><li>Olyan term\u00e9kek, amelyekn\u00e9l a kock\u00e1zatokat korl\u00e1toz\u00e1sokkal vagy \u00e1tl\u00e1that\u00f3s\u00e1ggal kezelik (pl. az e-p\u00e9nz bizonyos t\u00edpusai).<\/li><\/ul><\/li><li><strong>F\u00f6ldrajzi kock\u00e1zat<\/strong><ul><li>Tag\u00e1llamok.<\/li><li>Olyan harmadik orsz\u00e1gok, amelyek hat\u00e9kony rendszerekkel rendelkeznek a p\u00e9nzmos\u00e1s \u00e9s a terrorizmus finansz\u00edroz\u00e1s\u00e1nak megel\u0151z\u00e9s\u00e9re, felder\u00edt\u00e9s\u00e9re \u00e9s lek\u00fczd\u00e9s\u00e9re.<\/li><li>Alacsony korrupci\u00f3val \u00e9s egy\u00e9b b\u0171ncselekm\u00e9nyekkel jellemzett harmadik orsz\u00e1gok.<\/li><li>A FATF-aj\u00e1nl\u00e1sokat hat\u00e9konyan v\u00e9grehajt\u00f3 harmadik orsz\u00e1gok.<\/li><\/ul><\/li><\/ol>\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-4950f6b elementor-widget elementor-widget-heading\" data-id=\"4950f6b\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Potenci\u00e1lisan magasabb kock\u00e1zati t\u00e9nyez\u0151k<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76e6100 elementor-widget elementor-widget-text-editor\" data-id=\"76e6100\" 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<ol><li><strong>Magas p\u00e9nzmos\u00e1si kock\u00e1zat:<\/strong> A k\u00f6zjegyz\u0151k jellemz\u0151en r\u00e9szt vesznek ingatlan\u00fcgyletekben, ami fokozott p\u00e9nzmos\u00e1si kock\u00e1zatot jelent. C\u00e9galap\u00edt\u00e1sokban val\u00f3 k\u00f6zrem\u0171k\u00f6d\u00e9s\u00fck szint\u00e9n kock\u00e1zatokat rejt mag\u00e1ban. <\/li><li><strong>Hivatalos szem\u00e9lyi szerepk\u00f6r:<\/strong> Hivatalos szem\u00e9lyk\u00e9nt a k\u00f6zjegyz\u0151k minden tev\u00e9kenys\u00e9g\u00fckben k\u00f6zjogi feladatot l\u00e1tnak el, ami k\u00fcl\u00f6nleges gondoss\u00e1got \u00e9s felel\u0151ss\u00e9get ig\u00e9nyel.<\/li><li><strong>A t\u00f6rv\u00e9ny \u00e9s a szakmai szab\u00e1lyzat k\u00f6z\u00f6tti fesz\u00fclts\u00e9g:<\/strong> A k\u00f6zjegyz\u0151knek mind a sz\u00f6vets\u00e9gi k\u00f6zjegyz\u0151i szab\u00e1lyzatot, mind a p\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9nyt be kell tartaniuk, ami konfliktusokhoz vezethet.<\/li><li><strong>A t\u00f6rv\u00e9nysz\u00e9ki eln\u00f6k\u00f6k \u00e1ltali fel\u00fcgyelet:<\/strong> A k\u00f6zjegyz\u0151k fel\u00fcgyelet\u00e9t nem egy kamara, hanem az illet\u00e9kes t\u00f6rv\u00e9nysz\u00e9kek eln\u00f6kei l\u00e1tj\u00e1k el.<\/li><li><strong>K\u00fcl\u00f6n\u00f6s figyelem a let\u00e9ti \u00e9s \u00fcgyf\u00e9lnyilv\u00e1ntart\u00e1si sz\u00e1ml\u00e1kra:<\/strong> Ezek a sz\u00e1ml\u00e1k kitettek a p\u00e9nzmos\u00e1snak, k\u00fcl\u00f6n\u00f6sen a k\u00e9szp\u00e9nzes \u00e9s k\u00fclf\u00f6ldi kifizet\u00e9sekkel \u00f6sszef\u00fcgg\u00e9sben.<\/li><\/ol>\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-f9a13e5 elementor-widget elementor-widget-heading\" data-id=\"f9a13e5\" 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<h4 class=\"elementor-heading-title elementor-size-default\">GwG kock\u00e1zati t\u00e9nyez\u0151k: K\u00f6nyvvizsg\u00e1l\u00f3k<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ab9c57 elementor-widget elementor-widget-text-editor\" data-id=\"4ab9c57\" 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<ol><li><strong>K\u00f6zepes p\u00e9nzmos\u00e1si kock\u00e1zat:<\/strong> A k\u00f6nyvvizsg\u00e1l\u00f3k m\u00e9ly betekint\u00e9ssel rendelkeznek a v\u00e1llalatok p\u00e9nz\u00fcgyeibe \u00e9s strukt\u00far\u00e1iba, ami potenci\u00e1lis kock\u00e1zatot jelent a p\u00e9nzmos\u00e1si tev\u00e9kenys\u00e9gek szempontj\u00e1b\u00f3l.<\/li><li><strong>A t\u00e9nyleges tulajdonos ismerete:<\/strong> Az a k\u00e9pess\u00e9g\u00fck, hogy azonos\u00edts\u00e1k egy v\u00e1llalat val\u00f3di t\u00e9nyleges tulajdonos\u00e1t, egyszerre er\u0151ss\u00e9g \u00e9s kock\u00e1zati forr\u00e1s.<\/li><li><strong>A K\u00f6nyvvizsg\u00e1l\u00f3i Kamara \u00e1ltali fel\u00fcgyelet:<\/strong> A k\u00f6nyvvizsg\u00e1l\u00f3k specifikus kamar\u00e1ja fontos szerepet j\u00e1tszik tagjai fel\u00fcgyelet\u00e9ben \u00e9s ellen\u0151rz\u00e9s\u00e9ben.<\/li><li><strong>Stroman-konstrukci\u00f3k miatti kock\u00e1zat:<\/strong> K\u00fcl\u00f6n\u00f6sen az ingatlanszektorban kell a k\u00f6nyvvizsg\u00e1l\u00f3knak \u00fcgyelni\u00fck az ilyen konstrukci\u00f3kb\u00f3l ered\u0151 kock\u00e1zatokra.<\/li><\/ol>\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-1a5fcca elementor-widget elementor-widget-heading\" data-id=\"1a5fcca\" 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<h4 class=\"elementor-heading-title elementor-size-default\">GwG kock\u00e1zati t\u00e9nyez\u0151k: \u00dcgyv\u00e9dek<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71ce3a4 elementor-widget elementor-widget-text-editor\" data-id=\"71ce3a4\" 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<ol><li><strong>Magas p\u00e9nzmos\u00e1si kock\u00e1zat a let\u00e9ti sz\u00e1ml\u00e1k miatt:<\/strong> Az \u00fcgyv\u00e9dek gyakran kezelnek let\u00e9ti sz\u00e1ml\u00e1kat, amelyekkel vissza lehet \u00e9lni p\u00e9nzmos\u00e1s c\u00e9lj\u00e1b\u00f3l.<\/li><li><strong>Region\u00e1lis kamar\u00e1k fel\u00fcgyeleti funkci\u00f3ja:<\/strong> Az \u00e9rdekk\u00e9pviselet mellett ezek a kamar\u00e1k l\u00e1tj\u00e1k el a p\u00e9nzmos\u00e1s elleni fel\u00fcgyeletet is.<\/li><li><strong>Nemzetk\u00f6zi \u00e9s k\u00e9szp\u00e9nzes fizet\u00e9sek kock\u00e1zata:<\/strong> A k\u00e9szp\u00e9nzben vagy kock\u00e1zatos orsz\u00e1gokb\u00f3l \u00e9rkez\u0151 tranzakci\u00f3k fokozott figyelmet ig\u00e9nyelnek.<\/li><li><strong>R\u00e9szv\u00e9tel ingatlan\u00fcgyletekben \u00e9s c\u00e9galap\u00edt\u00e1sokban:<\/strong> Ezek a ter\u00fcletek k\u00fcl\u00f6n\u00f6sen kitettek a p\u00e9nzmos\u00e1snak.<\/li><\/ol>\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-23906db elementor-widget elementor-widget-heading\" data-id=\"23906db\" 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<h4 class=\"elementor-heading-title elementor-size-default\">GwG kock\u00e1zati t\u00e9nyez\u0151k: Ad\u00f3tan\u00e1csad\u00f3k<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d6b1e8 elementor-widget elementor-widget-text-editor\" data-id=\"9d6b1e8\" 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<ol><li><strong>K\u00f6zepes p\u00e9nzmos\u00e1si kock\u00e1zat:<\/strong> A k\u00f6nyvvizsg\u00e1l\u00f3khoz hasonl\u00f3an az ad\u00f3tan\u00e1csad\u00f3k is r\u00e9szletes betekint\u00e9ssel rendelkeznek a v\u00e1llalati p\u00e9nz\u00fcgyekbe, amivel vissza lehet \u00e9lni.<\/li><li><strong>V\u00e1llalaton bel\u00fcli rendelleness\u00e9gek felismer\u00e9se:<\/strong> Szerep\u00fck lehet\u0151v\u00e9 teszi sz\u00e1mukra a p\u00e9nzmos\u00e1sra utal\u00f3 anom\u00e1li\u00e1k azonos\u00edt\u00e1s\u00e1t.<\/li><li><strong>Szakspecifikus kamar\u00e1k fel\u00fcgyeleti funkci\u00f3ja:<\/strong> Az ad\u00f3tan\u00e1csad\u00f3k is kamar\u00e1ik szigor\u00fa fel\u00fcgyelete \u00e9s szab\u00e1lyoz\u00e1sa alatt \u00e1llnak.<\/li><li><strong>A szakmai tov\u00e1bbk\u00e9pz\u00e9s jelent\u0151s\u00e9ge:<\/strong> Folyamatos tov\u00e1bbk\u00e9pz\u00e9s sz\u00fcks\u00e9ges a v\u00e1ltoz\u00f3 t\u00f6rv\u00e9nyekkel \u00e9s el\u0151\u00edr\u00e1sokkal val\u00f3 l\u00e9p\u00e9start\u00e1shoz.<\/li><\/ol>\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-35fc5be elementor-widget elementor-widget-heading\" data-id=\"35fc5be\" 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<h4 class=\"elementor-heading-title elementor-size-default\">GwG kock\u00e1zati t\u00e9nyez\u0151k: Ingatlanszektor<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22c62e4 elementor-widget elementor-widget-text-editor\" data-id=\"22c62e4\" 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<ol><li><strong>Magas gazdas\u00e1gi jelent\u0151s\u00e9g:<\/strong> Az ingatlanok a magas tranzakci\u00f3s volumen \u00e9s az \u00e9rt\u00e9k\u00e1ll\u00f3s\u00e1g miatt vonz\u00f3 befektet\u00e9si eszk\u00f6z\u00f6k.<\/li><li><strong>Az eszk\u00f6z\u00f6k eredet\u00e9nek leplez\u00e9se:<\/strong> Az ingatlan\u00fcgyletek \u00f6sszetetts\u00e9ge \u00e9s jogi kialak\u00edt\u00e1si lehet\u0151s\u00e9gei r\u00e9v\u00e9n az eszk\u00f6z\u00f6k eredete elfedhet\u0151.<\/li><li><strong>Anonimit\u00e1s Share Deal \u00fcgyletekn\u00e9l:<\/strong> Az ingatlanok \u00fczletr\u00e9sz-\u00e1truh\u00e1z\u00e1ssal (Share Deal) t\u00f6rt\u00e9n\u0151 megszerz\u00e9se lehet\u0151v\u00e9 teszi a tulajdonos kil\u00e9t\u00e9nek elrejt\u00e9s\u00e9t v\u00e1llalati konstrukci\u00f3k m\u00f6g\u00e9, \u00edgy biztos\u00edtva az anonimit\u00e1st.<\/li><li><strong>Magas \u00e1tl\u00e1that\u00f3s\u00e1g, de kock\u00e1zatok a t\u00e9nyleges tulajdonl\u00e1sn\u00e1l:<\/strong> Az ingatlan-nyilv\u00e1ntart\u00e1sban r\u00f6gz\u00edtett tulajdonviszonyok ellen\u00e9re a vagyonelemek hozz\u00e1rendel\u00e9se megnehez\u00fclhet, ha a t\u00e9nyleges tulajdonos \u00e9s a form\u00e1lis tulajdonos szem\u00e9lye elv\u00e1lik egym\u00e1st\u00f3l.<br\/>\u00d6sszetett<\/li><li><strong>v\u00e1llalati strukt\u00far\u00e1k kock\u00e1zata:<\/strong> A t\u00f6bbszint\u0171 c\u00e9gh\u00e1l\u00f3k \u00e9s a bizalmi vagyonkezel\u00e9si konstrukci\u00f3k alkalmaz\u00e1sa n\u00f6veli a p\u00e9nzmos\u00e1s kock\u00e1zat\u00e1t.<\/li><li><strong>Kiker\u00fcl\u00e9si mechanizmusok:<\/strong> A reform\u00e1lt t\u00f6rv\u00e9nyek a luxusingatlanok v\u00e1s\u00e1rl\u00e1sa helyett azok b\u00e9rl\u00e9se fel\u00e9 terelhetik a p\u00e9nzmos\u00e1si sz\u00e1nd\u00e9kot.<\/li><li><strong>A b\u00e9rleti k\u00f6zvet\u00edt\u0151k n\u00f6vekv\u0151 jelent\u0151s\u00e9ge:<\/strong> A p\u00e9nzmos\u00e1si ir\u00e1nyelv \u00faj szab\u00e1lyoz\u00e1s\u00e1val a b\u00e9rleti k\u00f6zvet\u00edt\u0151k szerepe is relev\u00e1nsabb\u00e1 v\u00e1lik magas b\u00e9rleti d\u00edjak eset\u00e9n.<\/li><li><strong>\u00c1rver\u00e9sek ig\u00e9nybev\u00e9tele:<\/strong> A k\u00e9nyszer\u00e1rver\u00e9seket egyre gyakrabban haszn\u00e1lj\u00e1k ingatlanok gyan\u00fas eredet\u0171 p\u00e9nzeszk\u00f6z\u00f6kb\u0151l t\u00f6rt\u00e9n\u0151 megszerz\u00e9s\u00e9re.<\/li><\/ol>\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-53e5e1e elementor-widget elementor-widget-spacer\" data-id=\"53e5e1e\" 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-a635ace e-con-full e-flex e-con e-child\" data-id=\"a635ace\" 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-f791500 elementor-widget elementor-widget-heading\" data-id=\"f791500\" 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\">Hogyan seg\u00edt a Nect?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-076bee1 elementor-widget elementor-widget-text-editor\" data-id=\"076bee1\" 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\tGyors\u00edtsa fel megfelel\u0151s\u00e9gi folyamatait k\u00f6nnyed\u00e9n \u00e9s jogbiztos m\u00f3don: Fedezze fel a Nect-et, az <b>\u00fcgyv\u00e9dek, ad\u00f3tan\u00e1csad\u00f3k, k\u00f6zjegyz\u0151k, k\u00f6nyvvizsg\u00e1l\u00f3k \u00e9s ingatlank\u00f6zvet\u00edt\u0151k<\/b> sz\u00e1m\u00e1ra kifejlesztett, bev\u00e1lt platformot. K\u00fcldj\u00f6n nek\u00fcnk aj\u00e1nlatk\u00e9r\u00e9st, \u00e9s biztos\u00edtson hozz\u00e1f\u00e9r\u00e9st \u00fcgyfelei sz\u00e1m\u00e1ra hat\u00e9kony, biztons\u00e1gos \u00e9s k\u00e9nyelmes megold\u00e1sokhoz \u2013 v\u00e1lassza \u00d6n is sz\u00e1mos neves iroda elismert megold\u00e1s\u00e1t. \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-0d67a95 elementor-widget elementor-widget-image\" data-id=\"0d67a95\" 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-30380\" alt=\"B\u00f6ng\u00e9sz\u0151 KYB kock\u00e1zat\u00e9rt\u00e9kel\u00e9ssel 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-d76f3d6 elementor-widget elementor-widget-button\" data-id=\"d76f3d6\" 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\">Dem\u00f3 egyeztet\u00e9se<\/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-988cd2b elementor-widget elementor-widget-spacer\" data-id=\"988cd2b\" 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-0e41883 elementor-widget elementor-widget-heading\" data-id=\"0e41883\" 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\">3. l\u00e9p\u00e9s: Kock\u00e1zati csoportok kategoriz\u00e1l\u00e1sa<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa5cb69 elementor-widget elementor-widget-text-editor\" data-id=\"fa5cb69\" 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>A kock\u00e1zatokat kock\u00e1zati csoportokba kell sorolni, \u00e9s jelent\u0151s\u00e9g\u00fck szerint \u00e9rt\u00e9kelni kell. Ez az \u00e9rt\u00e9kel\u00e9s \u00e1ltal\u00e1ban h\u00e1rom fokozatban t\u00f6rt\u00e9nik: <b>magas, k\u00f6zepes \u00e9s alacsony<\/b>. <\/p><p>Lehet\u0151s\u00e9g van azonban e besorol\u00e1s m\u00f3dos\u00edt\u00e1s\u00e1ra t\u00f6bb kateg\u00f3ria hozz\u00e1ad\u00e1s\u00e1val vagy kevesebbre val\u00f3 cs\u00f6kkent\u00e9ssel. P\u00e9ld\u00e1ul a \u201emagas\u201d kateg\u00f3ria mag\u00e1ban foglalja a t\u00f6rv\u00e9nyi magas kock\u00e1zati oszt\u00e1lyba tartoz\u00f3 vagy saj\u00e1t \u00e9rt\u00e9kel\u00e9s alapj\u00e1n magasnak min\u0151s\u00edtett eseteket. A \u201ek\u00f6zepes\u201d a se nem magasnak, se nem alacsonynak min\u0151s\u00edtett esetekre vonatkozik, az \u201ealacsony\u201d pedig az igazolhat\u00f3an alacsony kock\u00e1zat\u00fa helyzetekre.  <\/p><p>A kock\u00e1zat\u00e9rt\u00e9kel\u00e9shez k\u00fcl\u00f6nb\u00f6z\u0151 m\u00f3dszerek alkalmazhat\u00f3k, bele\u00e9rtve a kock\u00e1zati t\u00e9nyez\u0151k v\u00e1ltoz\u00f3 vagy fix s\u00falyoz\u00e1s\u00fa rendszereit. Emellett automatikus krit\u00e9riumok hat\u00e1rozhat\u00f3k meg az \u00fcgyf\u00e9lbesorol\u00e1sokhoz vagy a biztons\u00e1gi int\u00e9zked\u00e9sekhez. Az elt\u00e9r\u00e9seket dokument\u00e1lni kell, figyelembe v\u00e9ve a p\u00e9nzmos\u00e1ssal \u00e9s a terrorizmus finansz\u00edroz\u00e1s\u00e1val kapcsolatos nemzeti elemz\u00e9sek eredm\u00e9nyeit is.  <\/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-1602942 elementor-widget elementor-widget-heading\" data-id=\"1602942\" 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\">4. l\u00e9p\u00e9s: Bels\u0151 biztons\u00e1gi int\u00e9zked\u00e9sek<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a6dd3f elementor-widget elementor-widget-text-editor\" data-id=\"3a6dd3f\" 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>A kock\u00e1zatok azonos\u00edt\u00e1s\u00e1nak, kategoriz\u00e1l\u00e1s\u00e1nak \u00e9s s\u00falyoz\u00e1s\u00e1nak eredm\u00e9nyeit az egyes bels\u0151 biztons\u00e1gi int\u00e9zked\u00e9sek keret\u00e9ben kell \u00e1t\u00fcltetni a gyakorlatba, mivel ezeket alapvet\u0151en a kock\u00e1zatelemz\u00e9s eredm\u00e9nyeib\u0151l kell levezetni, illetve azoknak meg kell felelni\u00fck.<\/p><p>Ahogy a kock\u00e1zatkezel\u00e9sben \u00e1ltal\u00e1ban, az egyes megel\u0151z\u0151 int\u00e9zked\u00e9sek v\u00e9grehajt\u00e1sa sor\u00e1n az adott egyedi esetben ann\u00e1l gondosabban kell elj\u00e1rni, min\u00e9l magasabb a kock\u00e1zati potenci\u00e1l.<\/p><p>A meghozott bels\u0151 biztons\u00e1gi int\u00e9zked\u00e9seket a kock\u00e1zatelemz\u00e9s eredm\u00e9ny\u00e9nek figyelembev\u00e9tel\u00e9vel fel\u00fcl kell vizsg\u00e1lni \u00e9s tov\u00e1bb kell fejleszteni.<\/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-c635f0f elementor-widget elementor-widget-heading\" data-id=\"c635f0f\" 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\">5. l\u00e9p\u00e9s: Rendszeres fel\u00fcgyelet<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-242d9b5 elementor-widget elementor-widget-text-editor\" data-id=\"242d9b5\" 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>A GwG 10. \u00a7 (1) bek. 5. pontj\u00e1hoz f\u0171z\u00f6tt indokol\u00e1s szerint az \u00fczleti kapcsolatot \u2013 bele\u00e9rtve annak folyam\u00e1n v\u00e9grehajtott tranzakci\u00f3kat is \u2013 folyamatos, dinamikus nyomon k\u00f6vet\u00e9snek kell al\u00e1vetni, \u00e9s ezzel \u00f6sszef\u00fcgg\u00e9sben el kell v\u00e9gezni az \u00fcgyf\u00e9lprofilok \u00e9s az adott tranzakci\u00f3s magatart\u00e1s \u00f6sszevet\u00e9s\u00e9t. <\/p><p>A dinamikus nyomon k\u00f6vet\u00e9s itt az \u00fczleti kapcsolat folyam\u00e1n szerzett ismeretek megfelel\u0151 figyelembev\u00e9tel\u00e9t jelenti. A folyamatos fel\u00fcgyelet c\u00e9lja annak meg\u00e1llap\u00edt\u00e1sa, hogy a fenn\u00e1ll\u00f3 \u00fczleti kapcsolat az egyes tranzakci\u00f3k lebonyol\u00edt\u00e1sa sor\u00e1n mutat-e konkr\u00e9t rendelleness\u00e9geket vagy relev\u00e1ns elt\u00e9r\u00e9seket az \u00fcgyf\u00e9l eddigi magatart\u00e1s\u00e1t\u00f3l. <\/p><p>Az indik\u00e1torokat v\u00e1llalatf\u00fcgg\u0151 m\u00f3don kell meghat\u00e1rozni. Ennek sor\u00e1n a kock\u00e1zatelemz\u00e9s eredm\u00e9nyeit kell alapul venni. <\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>A GwG (Geldw\u00e4schegesetz) szerinti Risikoanalyse d\u00f6nt\u0151 szerepet j\u00e1tszik a hib\u00e1k elker\u00fcl\u00e9s\u00e9ben \u00e9s a p\u00e9nzmos\u00e1s elleni compliance hat\u00e9kony megval\u00f3s\u00edt\u00e1s\u00e1nak biztos\u00edt\u00e1s\u00e1ban. Ez a cikk l\u00e9nyeg\u00e9ben a \u201enem p\u00e9nz\u00fcgyi\u201d szektorra vonatkozik. <\/p>\n","protected":false},"author":3,"featured_media":30379,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[731],"tags":[746,747],"class_list":["post-30378","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-compliance","tag-regulatory"],"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>Risikoanalyse gem\u00e4\u00df GwG: \u00cdgy ker\u00fclheti el a hib\u00e1kat! - Nect<\/title>\n<meta name=\"description\" content=\"A GwG szerinti Risikoanalyse d\u00f6nt\u0151 szerepet j\u00e1tszik a hib\u00e1k elker\u00fcl\u00e9s\u00e9ben \u00e9s a p\u00e9nzmos\u00e1s elleni compliance hat\u00e9kony megval\u00f3s\u00edt\u00e1s\u00e1nak biztos\u00edt\u00e1s\u00e1ban. 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