ЕВРОНИМ
- SR - пролазни рачун
Институција – референца: Министарство финансија
- EN - payable-through account
Термин – референца: 32015L0849 Directive (EU) 2015/849 of the European Parliament and of the Council of 20 May 2015 on the prevention of the use of the financial system for the purposes of money laundering or terrorist financing, amending Regulation (EU) No 648/2012 of the European Parliament and of the Council, and repealing Directive 2005/60/EC of the European Parliament and of the Council and Commission Directive 2006/70/EC (Text with EEA relevance)
http://prevodjenje.mei.gov.rs/evronim/


Directive (EU) 2015/849 of the European Parliament and of the Council of 20 May 2015 on the prevention of the use of the financial system for the purposes of money laundering or terrorist financing, amending Regulation (EU) No 648/2012 of the European Parliament and of the Council, and repealing Directive 2005/60/EC of the European Parliament and of the Council and Commission Directive 2006/70/EC (Text with EEA relevance)
- With respect to cross-border correspondent relationships with a third-country respondent institution, Member States shall, in addition to the customer due diligence measures laid down in Article 13, require their credit institutions and financial institutions to:
...
(e) with respect to payable-through accounts, be satisfied that the respondent institution has verified the identity of, and performed ongoing due diligence on, the customers having direct access to accounts of the correspondent institution, and that it is able to provide relevant customer due diligence data to the correspondent institution, upon request.
https://eur-lex.europa.eu/legal-content/EN/ALL/?uri=CELEX:32...


Compliance Alert
Payable Through Accounts in Correspondant Banking
- A payable-through account (PTA) is a demand deposit account through which banking agencies located in the United States extend cheque writing privileges to the customers of other institutions, often foreign banks.
- Payable-through accounts, also known as “pass-through” or “pass-by” accounts, are similar to nested correspondent banking but, in this case, the respondent bank allows its customers to directly access the correspondent account to conduct business on their own behalf.
- Payable-Through Accounts (PTAs) can pose certain money laundering threats if adequate safeguards and due diligence measures are not in place.
https://compliancealert.org/view-blog/102/

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Note added at 1 day 4 hrs (2023-09-02 23:21:56 GMT)
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GOV.UK
Money Laundering Regulations 2017: consultation
- This approach reflects the high risk nature of payable-through accounts.
https://www.gov.uk/government/consultations/money-laundering...