Gorillas are a fascinating bunch of apes; they have a lot to them and going for a Gorilla tour and trek in Rwanda can be one of the most pleasurable life experiences of a nature lover. Visit umubanotours.com for a great trip.
El documento describe los principales componentes hardware y software de una computadora. Entre el hardware se encuentran el disco duro, la memoria RAM, la fuente de poder, la tarjeta madre, la unidad central de proceso, el microprocesador, la tarjeta de video, la memoria ROM, los ventiladores, la tarjeta de sonido y el BIOS. El software se divide en software de sistema, software de programación y software de aplicación.
This document discusses marketing challenges and opportunities. It begins by explaining that marketing challenges help teams meet goals while achieving social value. Challenges differ from traditional training by applying insights to real-world briefs. Working on live briefs can heighten perception of achieving results and developing priority and time management skills. The document then lists specific marketing challenges and opportunities for analysis, such as bridging sales and marketing gaps. It provides a framework for opportunity analysis involving customer, company, technology, and competition factors. Key areas for identifying unmet customer needs and selecting target customers are outlined. The document concludes by discussing assessing advantages, resources, technology readiness, and overall attractiveness.
- The document is a cover letter and resume from Mr. Jack Ong seeking new career opportunities after more than 10 years with his current employer, RS Components Pte Ltd.
- Mr. Ong is currently the Lead Local Engineer for Southeast Asia, managing IT support for 300 staff across 4 countries, and leading a small team of engineers.
- He has strong technical skills including infrastructure setup and maintenance, vendor management, and ITIL certification. He is seeking to take on new challenges and expand his professional experience.
The document discusses visual controls for organizing workplaces called a "WOVC". A WOVC aims to design a workspace that supports workflow while working for its users. It consists of 3 parts: 1) having an aesthetically appealing design that draws people in, 2) visually showing how work flows through the space, and 3) standardizing work practices through group agreement on workspace organization. The document provides examples of labeling different work areas and storing consumables and tools to achieve an organized workplace through visual controls.
Gorillas are a fascinating bunch of apes; they have a lot to them and going for a Gorilla tour and trek in Rwanda can be one of the most pleasurable life experiences of a nature lover. Visit umubanotours.com for a great trip.
El documento describe los principales componentes hardware y software de una computadora. Entre el hardware se encuentran el disco duro, la memoria RAM, la fuente de poder, la tarjeta madre, la unidad central de proceso, el microprocesador, la tarjeta de video, la memoria ROM, los ventiladores, la tarjeta de sonido y el BIOS. El software se divide en software de sistema, software de programación y software de aplicación.
This document discusses marketing challenges and opportunities. It begins by explaining that marketing challenges help teams meet goals while achieving social value. Challenges differ from traditional training by applying insights to real-world briefs. Working on live briefs can heighten perception of achieving results and developing priority and time management skills. The document then lists specific marketing challenges and opportunities for analysis, such as bridging sales and marketing gaps. It provides a framework for opportunity analysis involving customer, company, technology, and competition factors. Key areas for identifying unmet customer needs and selecting target customers are outlined. The document concludes by discussing assessing advantages, resources, technology readiness, and overall attractiveness.
- The document is a cover letter and resume from Mr. Jack Ong seeking new career opportunities after more than 10 years with his current employer, RS Components Pte Ltd.
- Mr. Ong is currently the Lead Local Engineer for Southeast Asia, managing IT support for 300 staff across 4 countries, and leading a small team of engineers.
- He has strong technical skills including infrastructure setup and maintenance, vendor management, and ITIL certification. He is seeking to take on new challenges and expand his professional experience.
The document discusses visual controls for organizing workplaces called a "WOVC". A WOVC aims to design a workspace that supports workflow while working for its users. It consists of 3 parts: 1) having an aesthetically appealing design that draws people in, 2) visually showing how work flows through the space, and 3) standardizing work practices through group agreement on workspace organization. The document provides examples of labeling different work areas and storing consumables and tools to achieve an organized workplace through visual controls.
PRINT JOURNALISM II- Editing & its ConceptsTrinity Dwarka
PRINT JOURNALISM II- Editing & its Concepts
Editing is a multi farious job which is very difficult to define. It includes:
Selection of the copy
Taking out grammatical corrections
Improving the expression
Checking the facts and figures
Adjusting the length
Deciding the display or placement
Putting the headlines
And so many other things which will make it a perfect copy.
MEANING OF EDITING
TOOLS OF EDITING
NEED FOR EDITING
Shortage of space
Experienced/inexperienced staff
Deadlines
SUGGESTED READINGS
Beyond the Bar Chart - How to Build Better VisualizationsLogi Analytics
What we'll cover:
Identifying User Data Stories and Analysis Types
Designing visuals to the data story
How to execute your shiny new visuals
Learn more with The Definitive Guide to Dashboard Design at https://goo.gl/2IPpZL.
The document discusses moving object databases and how they differ from traditional databases. It describes two main approaches - the location management perspective, which focuses on maintaining current and near future positions of moving objects, and the spatio-temporal data perspective, which stores the full history of spatial data changes over time. Key challenges addressed include updating object positions frequently to maintain accuracy while avoiding high load, and modeling trajectories, motion vectors, and location prediction functions to reduce unnecessary updates.
Media Life is a course intended for undergraduate students across campus. Its goal is to make people aware of the role that media play in their everyday life. The key to understanding a "media life" is to see our lives not as lived WITH media (which would lead to a focus on media effects and media-centric theories of society), but rather IN media (where the distinction between what we do with and without media dissolves).
The document discusses planning in management and organizational behavior. It defines planning as determining future courses of action in advance and focusing on the future. Planning involves setting organizational goals, establishing strategies to achieve those goals, and developing plans for work activities. There are different types of plans including strategic plans, operational plans, long-term plans, and short-term plans. The planning process involves setting objectives, developing premises, identifying alternative actions, evaluating alternatives, selecting a course of action, implementing plans, and reviewing the planning process. Management by objectives is also discussed as a strategy where employees set goals and are evaluated based on goal achievement.
In 2015, 9,842 individuals in Kent County contacted the homeless services system. 4,602 were literally homeless and staying in shelters or unsheltered locations, while 5,240 were at imminent risk of homelessness. The largest groups were single adults (34%), children in families (39%), and adults in families (26%). African Americans accounted for 62% of individuals experiencing homelessness. The data is used to identify needs and inform efforts to prevent and end homelessness.
PRINT JOURNALISM II- REWRITING OF A NEWS STORYTrinity Dwarka
Rewriting involves rewriting a news story to improve clarity, readability, and uniformity. Stories may need rewriting if they are badly written, poorly organized, wordy, unprofessional, or out of date. The purpose of rewriting is to dismantle and then rebuild the information in a new, better structure. It can condense reports, link several reports on the same topic, and improve the language. Editing focuses on language, facts, grammar and punctuation, while rewriting focuses on structure, treatment and flow. The rewritten story should be an improved version that elaborates on important facts and emphasizes key elements not fully covered originally.
PRINT JOURNALISM II- Editing & its ConceptsTrinity Dwarka
PRINT JOURNALISM II- Editing & its Concepts
Editing is a multi farious job which is very difficult to define. It includes:
Selection of the copy
Taking out grammatical corrections
Improving the expression
Checking the facts and figures
Adjusting the length
Deciding the display or placement
Putting the headlines
And so many other things which will make it a perfect copy.
MEANING OF EDITING
TOOLS OF EDITING
NEED FOR EDITING
Shortage of space
Experienced/inexperienced staff
Deadlines
SUGGESTED READINGS
Beyond the Bar Chart - How to Build Better VisualizationsLogi Analytics
What we'll cover:
Identifying User Data Stories and Analysis Types
Designing visuals to the data story
How to execute your shiny new visuals
Learn more with The Definitive Guide to Dashboard Design at https://goo.gl/2IPpZL.
The document discusses moving object databases and how they differ from traditional databases. It describes two main approaches - the location management perspective, which focuses on maintaining current and near future positions of moving objects, and the spatio-temporal data perspective, which stores the full history of spatial data changes over time. Key challenges addressed include updating object positions frequently to maintain accuracy while avoiding high load, and modeling trajectories, motion vectors, and location prediction functions to reduce unnecessary updates.
Media Life is a course intended for undergraduate students across campus. Its goal is to make people aware of the role that media play in their everyday life. The key to understanding a "media life" is to see our lives not as lived WITH media (which would lead to a focus on media effects and media-centric theories of society), but rather IN media (where the distinction between what we do with and without media dissolves).
The document discusses planning in management and organizational behavior. It defines planning as determining future courses of action in advance and focusing on the future. Planning involves setting organizational goals, establishing strategies to achieve those goals, and developing plans for work activities. There are different types of plans including strategic plans, operational plans, long-term plans, and short-term plans. The planning process involves setting objectives, developing premises, identifying alternative actions, evaluating alternatives, selecting a course of action, implementing plans, and reviewing the planning process. Management by objectives is also discussed as a strategy where employees set goals and are evaluated based on goal achievement.
In 2015, 9,842 individuals in Kent County contacted the homeless services system. 4,602 were literally homeless and staying in shelters or unsheltered locations, while 5,240 were at imminent risk of homelessness. The largest groups were single adults (34%), children in families (39%), and adults in families (26%). African Americans accounted for 62% of individuals experiencing homelessness. The data is used to identify needs and inform efforts to prevent and end homelessness.
PRINT JOURNALISM II- REWRITING OF A NEWS STORYTrinity Dwarka
Rewriting involves rewriting a news story to improve clarity, readability, and uniformity. Stories may need rewriting if they are badly written, poorly organized, wordy, unprofessional, or out of date. The purpose of rewriting is to dismantle and then rebuild the information in a new, better structure. It can condense reports, link several reports on the same topic, and improve the language. Editing focuses on language, facts, grammar and punctuation, while rewriting focuses on structure, treatment and flow. The rewritten story should be an improved version that elaborates on important facts and emphasizes key elements not fully covered originally.
2. Money Laundering -
• large amounts of money
obtained from serious crimes,
such as drug trafficking or
terrorist activity, made to
appear as originating from a
legitimate source.
3/21/2016 ASC LTD 2
3. Money Laundering - History
• Started 1931- USA
Alcohol prohibitions
• AL Capone’s 1931
conviction for tax
evasion
• Mafia: Meyer Lansky
engaged in ML
3/21/2016 ASC LTD 3
5. Α. Σιακάς Apserou Shiaka & Co 5
Ο ΣΕΛΚ και η Οδηγία του
δεν δίνει καθοδήγηση για
διαδικασίες που πρέπει
να εγκαθιδρύσει ένα
ελεγκτικό γραφείο.
Καθοδηγητική όμως είναι η
σχετική ‘Οδηγία της
Κεντρικής Τράπεζας’ για ΧΟ
(τράπεζες)
Η παρακάτω ανάλυση
γίνεται για να
υποβοηθηθεί το ελεγκτικό
γραφείο να καθορίσει τις
δικές του διαδικασίες
6. 2. Εφαρμογή Κατάλληλων Μέτρων
βάσει υπολογιζόμενου Κινδύνου
Επικέντρωση τομείς
μεγαλύτερης
πιθανότητας ΞΒΧ
Αναγνώριση
και
αξιολόγηση
κινδύνων
Προσέγγιση
βάσει του
υπολογιζόμεν
ου κινδύνου
προϋποθέτει
Είδος
πελάτη -
συμπεριφο
ρά -
προϊόντα &
υπηρεσίες
ΠΕΛΑΤΕΣ 3
κατηγορίες
κινδύνου: Χ
Μ Ψ
Διαχείριση
κινδύνων
Απλή διαδικασία ΓΤΠ/
Αυξημένη μέτρα Δέουσας
Επιμέλειας ΔΕ (KYC &
CDD)
6
Α. Σιακάς Apserou Shiaka & Co
8. What KYC means?
Know Your Customer
Customer:
• Audit client, maintains A/c-or maintained on his behalf
• Establishes business relationship
• Beneficiary: nominee S/h, director, secretary
• makes one off transaction
Who should know? Audit officer, compliance officer
Know? What you should know?
• True identity and beneficial ownership
• Permanent address, registered & administrative address
3/21/2016 ASC LTD
10. 3. Διαδικασίες Προσδιορισμού Ταυτότητας
Πελατών και Μέτρα Δέουσας Επιμέλειας
ΔΙΑΒΑΘΜΙΣΗ ΠΕΛΑΤΩΝ ΒΑΣΕΙ ΚΙΝΔΥΝΟΥ
10
Απλουστευμένη
διαδικασία
• ΠΙ ή ΧΟ εντός ΕΟΧ
• ΠΙ ή ΧΟ εκτός ΕΟΧ
• Εισηγμένες
Εταιρείες
• Δημόσιες αρχές
• Βρες πληροφορίες
εάν ο πελάτης
εμπίπτει στις πιο
πάνω κατηγορίες
Συνήθη μέτρα δέουσας
επιμέλειας
•Βρες ταυτότητα
πελάτη και τελικού
δικαιούχου
•Πληροφορίες για
χαρακτήρα
επιχείρησης
•Παρακολούθηση και
επικαιροποίηση
•*Πραγματικός Δικαιούχος
=10% + μια μετοχή
Αυξημένα μέτρα δέουσας
επιμέλειας
•Πελάτες εξ’ αποστάσεως
•Λογαριασμοί εταιρειών με
μετοχές στον κομιστή
•Λογαριασμοί εμπιστευμάτων
•Client accounts
•Λογαριασμοί Πολιτικών
Προσώπων
•Λογαριασμοί ανταποκριτή
για τράπεζες εκτός ΕΕ
•Private banking
•Ηλεκτρονικά
παιχνίδια/τζόγος/καζίνο στο
διαδίκτυο
•Πελάτες από χώρες που
εφαρμόζουν ανεπαρκώς τις
συστάσεις του FATF
•Άλλες κατηγορίες
ΧΑΜΗΛΟΣ ΚΑΝΟΝΙΚΟΣ ΨΗΛΟΣ
Α. Σιακάς Apserou Shiaka & Co
11. Know Your Customer (KYC) Guidelines
Customer Acceptance - Ensure that only
legitimate and bona fide customers are
accepted.
Customer Identification- Ensure that
customers are properly identified to
understand the risks they may pose.
Transactions Monitoring- Monitor
customers accounts and transactions to
prevent or detect illegal activities.
Risk Management- Implement processes
to effectively manage the risks posed by
customers trying to misuse facilities.
Guidelines issued by FATF
12. Suspicious Transactions
5. Give misleading or not easily verifiable info on acceptance..
6. Large cash withdrawals from: a dormant or inactive a/c with
unexpected large credit from abroad
7. Sudden increase in cash deposits of an individual with no justification
8. Employees leading lavish lifestyles not matching their known income
sources
3/21/2016 ASC LTD
14. AML BEST PRACTICES
Field Examination Issues
• Documented risk assessment
• 3rd Party Determination
• Beneficial Ownership
• PEP determination, “look back”
• Failure to file STR’s (statutory returns)
• ID - Expired / Photocopies
• Record Keeping (numerous issues)
• Entities – no confirmation of existence
• Charities - improper procedures
• Use of Agents
• Individual’s business or occupation
3/21/2016 ASC LTD 14
