{"id":31318,"date":"2025-11-20T13:56:58","date_gmt":"2025-11-20T12:56:58","guid":{"rendered":"https:\/\/nect.com\/media\/unkategorisiert\/smurfing-co-sa-skryva-za-touto-metodou-prania-spinavych-penazi\/"},"modified":"2026-10-27T20:27:24","modified_gmt":"2026-10-27T19:27:24","slug":"smurfing-co-sa-skryva-za-touto-metodou-prania-spinavych-penazi","status":"publish","type":"post","link":"https:\/\/nect.com\/sk\/media\/blog\/smurfing-co-sa-skryva-za-touto-metodou-prania-spinavych-penazi\/","title":{"rendered":"Smurfing: \u010co sa skr\u00fdva za touto met\u00f3dou prania \u0161pinav\u00fdch pe\u0148az\u00ed"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"31318\" class=\"elementor elementor-31318 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\tPranie \u0161pinav\u00fdch pe\u0148az\u00ed je z\u00e1va\u017en\u00fd trestn\u00fd \u010din, ktor\u00fd m\u00e1 ve\u013ek\u00fd dopad na spolo\u010dnos\u0165 a ekonomiku. Existuje viacero met\u00f3d prania \u0161pinav\u00fdch pe\u0148az\u00ed, medzi ktor\u00e9 patr\u00ed smurfing a money mule. V tomto \u010dl\u00e1nku sa bli\u017e\u0161ie pozrieme na tieto met\u00f3dy a prediskutujeme opatrenia, ktor\u00e9 sa prij\u00edmaj\u00fa v boji proti praniu \u0161pinav\u00fdch pe\u0148az\u00ed.  \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\">Najd\u00f4le\u017eitej\u0161ie v skratke<\/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>Pri smurfingu sa neleg\u00e1lne peniaze rozde\u013euj\u00fa na mal\u00e9, zdanlivo leg\u00e1lne transakcie.<\/li><li>Krimin\u00e1lnici \u010dasto vyu\u017e\u00edvaj\u00fa nastr\u010den\u00e9 osoby alebo komplicov na v\u00fdber pe\u0148az\u00ed alebo vykon\u00e1vanie transakci\u00ed.<\/li><li>Smurfing mus\u00ed by\u0165 nahl\u00e1sen\u00fd <a href=\"https:\/\/www.zoll.de\/DE\/FIU\/fiu_node.html\" target=\"_blank\" rel=\"noopener\">Finan\u010dnej spravodajskej jednotke (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\tObsah\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\">Defin\u00edcia: \u010co je 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, tie\u017e zn\u00e1my ako \u0161truktur\u00e1lne pranie pe\u0148az\u00ed, je roz\u0161\u00edren\u00e1 met\u00f3da prania \u0161pinav\u00fdch pe\u0148az\u00ed. Pri tejto neleg\u00e1lnej praktike sa zna\u010dn\u00e9 mno\u017estvo neleg\u00e1lnych pe\u0148az\u00ed rozdel\u00ed na men\u0161ie, zdanlivo leg\u00e1lne transakcie. Krimin\u00e1lnici rozdelia peniaze na men\u0161ie sumy a vykon\u00e1vaj\u00fa mno\u017estvo transakci\u00ed, aby sa vyhli podozreniu zo strany org\u00e1nov \u010dinn\u00fdch v trestnom konan\u00ed. Pojem \u201esmurfing\u201c je odvoden\u00fd od \u0160molkov, fikt\u00edvnych modr\u00fdch bytost\u00ed, ktor\u00e9 \u017eij\u00fa vo ve\u013ekej komunite a skladaj\u00fa sa z mnoh\u00fdch mal\u00fdch jedincov, podobne ako mnoho mal\u00fdch s\u00fam pe\u0148az\u00ed tvor\u00ed zna\u010dn\u00fa celkov\u00fa sumu.   \n\nT\u00e1to praktika sa uplat\u0148uje predov\u0161etk\u00fdm pri sum\u00e1ch nad 15 000 eur, ke\u010f\u017ee od tejto v\u00fd\u0161ky vkladu z\u00e1kon vy\u017eaduje povinn\u00fa identifik\u00e1ciu vkladate\u013ea a uchov\u00e1vanie transak\u010dn\u00fdch \u00fadajov po dobu piatich rokov. Smurfing predstavuje k\u013e\u00fa\u010dov\u00fd proces v r\u00e1mci prania \u0161pinav\u00fdch pe\u0148az\u00ed, najm\u00e4 v prvej z troch f\u00e1z tohto neleg\u00e1lneho procesu. \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\">Ako funguje smurfing<\/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 je zalo\u017een\u00fd na my\u0161lienke, \u017ee rozdelenie v\u00e4\u010d\u0161\u00edch s\u00fam pe\u0148az\u00ed na men\u0161ie sumy vzbudzuje men\u0161iu pozornos\u0165. Krimin\u00e1lnici \u010dasto vyu\u017e\u00edvaj\u00fa nastr\u010den\u00e9 osoby alebo komplicov na v\u00fdber pe\u0148az\u00ed alebo vykon\u00e1vanie transakci\u00ed. T\u00edto komplici sa \u010dasto ozna\u010duj\u00fa ako \u201esmurfovia\u201c, preto\u017ee vykon\u00e1vaj\u00fa mal\u00e9, nen\u00e1padn\u00e9 transakcie s cie\u013eom vypra\u0165 neleg\u00e1lne peniaze.  \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-31320\" alt=\"Stretnutie o dopade smurfingu s laptopom zobrazuj\u00facim d\u00e1tov\u00fd graf\" 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\">Dopad smurfingu na ekonomiku<\/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\tSmurfing m\u00e1 negat\u00edvny dopad na ekonomiku, preto\u017ee prispieva k financovaniu neleg\u00e1lnych aktiv\u00edt a oslabovaniu leg\u00e1lnej ekonomiky. Pou\u017e\u00edvanie mal\u00fdch, zdanlivo legit\u00edmnych transakci\u00ed na pranie \u0161pinav\u00fdch pe\u0148az\u00ed br\u00e1ni odhaleniu a potla\u010deniu krimin\u00e1lnej \u010dinnosti.  \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\">Deform\u00e1cia hospod\u00e1rskej aktivity<\/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\tRozdelen\u00edm ve\u013ek\u00fdch s\u00fam pe\u0148az\u00ed na men\u0161ie \u010diastky sa zastiera neleg\u00e1lny p\u00f4vod pe\u0148az\u00ed a je \u010doraz \u0165a\u017e\u0161ie zisti\u0165 ich skuto\u010dn\u00fd p\u00f4vod. To vedie k deform\u00e1cii hospod\u00e1rskej aktivity a m\u00f4\u017ee sp\u00f4sobi\u0165 nespr\u00e1vnu alok\u00e1ciu zdrojov. \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\">Strata da\u0148ov\u00fdch pr\u00edjmov<\/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\tOkrem toho je pre da\u0148ov\u00e9 \u00farady n\u00e1ro\u010dn\u00e9 zisti\u0165 skuto\u010dn\u00e9 pr\u00edjmy a vymera\u0165 primeran\u00fa v\u00fd\u0161ku dane. To vedie k strate da\u0148ov\u00fdch pr\u00edjmov, ktor\u00fa v kone\u010dnom d\u00f4sledku zn\u00e1\u0161a cel\u00e1 spolo\u010dnos\u0165. \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\">Posilnenie organizovan\u00e9ho zlo\u010dinu<\/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\t\u010eal\u0161\u00edm aspektom, ktor\u00fd je potrebn\u00e9 zoh\u013eadni\u0165 pri smurfingu, je jeho s\u00favislos\u0165 s in\u00fdmi neleg\u00e1lnymi aktivitami. Peniaze, ktor\u00e9 sa per\u00fa prostredn\u00edctvom smurfingu, \u010dasto poch\u00e1dzaj\u00fa z neleg\u00e1lnych zdrojov, ako je obchodovanie s drogami, obchodovanie s \u013eu\u010fmi alebo in\u00e9 trestn\u00e9 \u010dinnosti. Podporou t\u00fdchto neleg\u00e1lnych aktiv\u00edt prispieva smurfing k posilneniu organizovan\u00e9ho zlo\u010dinu a m\u00f4\u017ee vies\u0165 k n\u00e1rastu n\u00e1silia a neistoty v spolo\u010dnosti.  \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\">Ako pom\u00e1ha Nect?<\/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\tUr\u00fdchli svoje compliance procesy bez n\u00e1mahy a v s\u00falade so z\u00e1konom: Objav Nect, osved\u010den\u00fa platformu pre <b>pr\u00e1vnikov, da\u0148ov\u00fdch poradcov, not\u00e1rov, aud\u00edtorov a realitn\u00fdch makl\u00e9rov<\/b>. Po\u0161li n\u00e1m dopyt a zaisti si pr\u00edstup k efekt\u00edvnym, bezpe\u010dn\u00fdm a komfortn\u00fdm rie\u0161eniam pre svojich klientov \u2013 vyu\u017ei teraz osved\u010den\u00fa vo\u013ebu mnoh\u00fdch renomovan\u00fdch kancel\u00e1ri\u00ed. \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-31103\" alt=\"Prehliada\u010d s KYB pos\u00faden\u00edm rizika 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\">Dohodn\u00fa\u0165 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\">Od akej v\u00fd\u0161ky sa hotovostn\u00e9 vklady a prevody pova\u017euj\u00fa za smurfing?<\/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 je mo\u017en\u00e9 <b>odhali\u0165<\/b> sledovan\u00edm opakovan\u00fdch, nezvy\u010dajne mal\u00fdch hotovostn\u00fdch vkladov alebo prevodov, ktor\u00e9 prebiehaj\u00fa v kr\u00e1tkych \u010dasov\u00fdch intervaloch. \u010eal\u0161\u00edm indik\u00e1torom m\u00f4\u017eu by\u0165 zdanlivo nes\u00favisiace osoby, ktor\u00e9 vykon\u00e1vaj\u00fa podobn\u00e9 transakcie. <\/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\">\u010co treba urobi\u0165, ke\u010f odhal\u00edte smurfing?<\/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>Ak sa smurfing jav\u00ed ako podozriv\u00fd, treba tento pr\u00edpad bezodkladne nahl\u00e1si\u0165 <a href=\"https:\/\/www.zoll.de\/DE\/FIU\/fiu_node.html\" target=\"_blank\" rel=\"noopener\">Finan\u010dnej spravodajskej jednotke (FIU)<\/a>. Odovzdanie \u00fadajov prebieha digit\u00e1lne prostredn\u00edctvom online platformy \u201e<a href=\"https:\/\/goaml.fiu.bund.de\/Home\" target=\"_blank\" rel=\"noopener\">goAML<\/a>\u201c. Nemali by ste vykon\u00e1va\u0165 vlastn\u00e9 vy\u0161etrovanie, ke\u010f\u017ee by to mohlo upozorni\u0165 p\u00e1chate\u013eov prania \u0161pinav\u00fdch pe\u0148az\u00ed a s\u0165a\u017ei\u0165 zaistenie d\u00f4kazov.  <\/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\">Boj proti praniu \u0161pinav\u00fdch pe\u0148az\u00ed<\/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\tNa efekt\u00edvny boj proti smurfingu je potrebn\u00e1 \u00fazka spolupr\u00e1ca medzi org\u00e1nmi \u010dinn\u00fdmi v trestnom konan\u00ed, finan\u010dn\u00fdmi in\u0161tit\u00faciami a \u010fal\u0161\u00edmi relevantn\u00fdmi akt\u00e9rmi, ako aj zlep\u0161en\u00e9 monitorovanie a odha\u013eovanie podozriv\u00fdch transakci\u00ed. Okrem toho je d\u00f4le\u017eit\u00e9 zvy\u0161ova\u0165 povedomie o rizik\u00e1ch a dopadoch smurfingu a informova\u0165 verejnos\u0165 o v\u00fdzname boja proti praniu \u0161pinav\u00fdch pe\u0148az\u00ed. \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\">Z\u00e1konn\u00e9 opatrenia proti praniu \u0161pinav\u00fdch pe\u0148az\u00ed<\/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>V Nemecku bol v roku 2017 prostredn\u00edctvom BaFin upraven\u00fd z\u00e1kon o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed. Tento z\u00e1kon zabezpe\u010duje, \u017ee finan\u010dn\u00e9 in\u0161tit\u00facie identifikuj\u00fa svojich klientov, vykon\u00e1vaj\u00fa pos\u00fadenie rizika a nahlasuj\u00fa podozriv\u00e9 transakcie \u2013 napr\u00edklad vo forme smurfingu. Org\u00e1ny \u010dinn\u00e9 v trestnom konan\u00ed maj\u00fa tie\u017e \u0161peci\u00e1lne oddelenia, ktor\u00e9 sa zaoberaj\u00fa bojom proti praniu \u0161pinav\u00fdch pe\u0148az\u00ed.  <\/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\">Prevent\u00edvne opatrenia pre finan\u010dn\u00e9 in\u0161tit\u00facie<\/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>Finan\u010dn\u00e9 in\u0161tit\u00facie a \u010fal\u0161ie subjekty povinn\u00e9 pod\u013ea z\u00e1kona o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed (GwG) musia prij\u00edma\u0165 prevent\u00edvne opatrenia na zabr\u00e1nenie praniu \u0161pinav\u00fdch pe\u0148az\u00ed. Patr\u00ed sem vykon\u00e1vanie <a href=\"https:\/\/nect.com\/sk\/produkty\/kyc-kyb\/\" target=\"_blank\" rel=\"noopener\">kontroly klientov<\/a>, monitorovanie transakci\u00ed (podozriv\u00e9 prevody, vklady at\u010f.), \u0161kolenie zamestnancov na rozpozn\u00e1vanie podozriv\u00fdch aktiv\u00edt a spolupr\u00e1ca s org\u00e1nmi \u010dinn\u00fdmi v trestnom konan\u00ed. Finan\u010dn\u00e9 in\u0161tit\u00facie musia tie\u017e implementova\u0165 compliance programy a vykon\u00e1va\u0165 pravideln\u00e9 audity, aby zabezpe\u010dili s\u00falad so z\u00e1konn\u00fdmi po\u017eiadavkami.  <\/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\">Money Mule: \u010eal\u0161ia met\u00f3da prania \u0161pinav\u00fdch pe\u0148az\u00ed<\/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\tMoney Mule ozna\u010duje osoby, ktor\u00e9 poskytuj\u00fa svoj bankov\u00fd \u00fa\u010det na prij\u00edmanie alebo prevod neleg\u00e1lnych pe\u0148az\u00ed. Tieto osoby, zn\u00e1me ako \u201emoney mules\u201c, s\u00fa naj\u00edman\u00e9 krimin\u00e1lnikmi, \u010dasto pod falo\u0161n\u00fdmi pr\u00eds\u013eubmi \u013eahko zaroben\u00fdch pe\u0148az\u00ed. Money mules zohr\u00e1vaj\u00fa k\u013e\u00fa\u010dov\u00fa \u00falohu pri zastieran\u00ed aktiv\u00edt krimin\u00e1lnikov v oblasti prania \u0161pinav\u00fdch pe\u0148az\u00ed.  \n\nMoney mules sa vystavuj\u00fa ve\u013ek\u00e9mu riziku, ke\u010f sa zapoja do tak\u00fdchto aktiv\u00edt. Ak s\u00fa ich konania odhalen\u00e9, m\u00f4\u017eu by\u0165 trestne st\u00edhan\u00e9 \u2013 za \u201enapom\u00e1hanie praniu \u0161pinav\u00fdch pe\u0148az\u00ed\u201c \u2013 a hrozi\u0165 im m\u00f4\u017ee dlhoro\u010dn\u00fd trest od\u0148atia slobody. Okrem toho m\u00f4\u017ee by\u0165 v\u00fdrazne ovplyvnen\u00e1 aj ich finan\u010dn\u00e1 bud\u00facnos\u0165, ke\u010f\u017ee s\u00fa \u010dasto zapleten\u00ed do neleg\u00e1lnych machin\u00e1ci\u00ed a maj\u00fa probl\u00e9m otvori\u0165 si be\u017en\u00fd bankov\u00fd \u00fa\u010det alebo z\u00edska\u0165 \u00faver.  \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 je met\u00f3da prania \u0161pinav\u00fdch pe\u0148az\u00ed, pri ktorej sa ve\u013ek\u00e9 mno\u017estvo neleg\u00e1lnych pe\u0148az\u00ed rozdel\u00ed na mal\u00e9, zdanlivo leg\u00e1lne transakcie.<\/p>\n","protected":false},"author":1,"featured_media":31319,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[812],"tags":[841,830,813],"class_list":["post-31318","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-bezpecnost","tag-regulacne","tag-sulad"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.8 (Yoast SEO v28.8) - 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