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This document discusses Know Your Customer (KYC) norms in banking and insurance. It provides the following key points: 1) KYC norms were introduced in 2002 by the Reserve Bank of India to prevent money laundering and require banks to verify customers' identities before opening accounts. 2) KYC is important for preventing fraud and ensuring applications are real. It helps banks understand customers and manage risks prudently. 3) Compliance with KYC norms is now mandatory for opening bank accounts, demat accounts, purchasing credit reports, and more. Common documents required include identification documents like passports, driver's licenses, and address proofs.
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Kyc Know Your Customer
Know Your Customer (KYC) refers to banks obtaining identifying information from customers to prevent money laundering and financing of terrorism. The key aspects of KYC include:
1) Setting up a compliance unit to monitor accounts and transactions on an ongoing basis and update customer information regularly.
2) Obtaining proper identification and information about customers' employment/business when opening accounts or making significant changes.
3) Monitoring transactions to identify any that are unusually large or inconsistent with the customer's history.
Introduction to Know Your Customer (KYC)
KYC (Know Your Customer) is a process financial institutions use to verify customer identity and reduce risks. It involves obtaining and periodically updating customer identification and address information. KYC aims to prevent identity theft, financial fraud, money laundering and terrorist financing. Banks must perform KYC at account opening and in other instances such as loans or changes to signatories. KYC documentation includes identity documents like a passport and address proofs. Financial institutions must also monitor customer transactions for consistency with the customer's profile and peer activities.
know your customer
This presentation discusses Know Your Customer (KYC) norms and procedures. It aims to understand the meaning of KYC, examine the forms used by banks, analyze the core elements of KYC and when it is required. It also highlights the advantages of KYC in preventing money laundering, identity theft, and financial crimes while enabling banks to better understand customers. The presentation covers the stages of money laundering, risks to banks, and the importance of customer due diligence, identifying suspicious transactions, and complying with laws to prevent money laundering.
KYC Know Your Customer
KYC, or Know Your Customer, is a process where banks obtain details about a customer's identity and address. This helps ensure that bank services are not being misused, and enables banks to understand customer transactions and manage risks like money laundering and terrorism financing. As part of KYC, banks must periodically update customer details. KYC helps prevent identity theft, financial fraud, money laundering and terrorist financing. Banks must perform KYC when opening accounts, issuing loans or credit cards, and in other instances to obtain additional customer information.
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This document discusses Know Your Customer (KYC) guidelines for banks in India. It explains that KYC allows banks to properly identify customers and understand their financial transactions. The objectives of KYC are positive customer identification and safeguarding customer money. KYC applies when opening new accounts, changing account details, or conducting high-value transactions. Customers must provide photo ID, proof of identity, and proof of address, such as a passport, driver's license, or utility bills. Small deposit accounts have simplified KYC norms but still require identity verification. Relationship managers assist customers with KYC processes. Money laundering involves disguising illegally obtained money, and banks must properly identify customers to prevent this crime.
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Kyc Know Your Customer
Know Your Customer (KYC) refers to banks obtaining identifying information from customers to prevent money laundering and financing of terrorism. The key aspects of KYC include:
1) Setting up a compliance unit to monitor accounts and transactions on an ongoing basis and update customer information regularly.
2) Obtaining proper identification and information about customers' employment/business when opening accounts or making significant changes.
3) Monitoring transactions to identify any that are unusually large or inconsistent with the customer's history.
Introduction to Know Your Customer (KYC)
KYC (Know Your Customer) is a process financial institutions use to verify customer identity and reduce risks. It involves obtaining and periodically updating customer identification and address information. KYC aims to prevent identity theft, financial fraud, money laundering and terrorist financing. Banks must perform KYC at account opening and in other instances such as loans or changes to signatories. KYC documentation includes identity documents like a passport and address proofs. Financial institutions must also monitor customer transactions for consistency with the customer's profile and peer activities.
know your customer
This presentation discusses Know Your Customer (KYC) norms and procedures. It aims to understand the meaning of KYC, examine the forms used by banks, analyze the core elements of KYC and when it is required. It also highlights the advantages of KYC in preventing money laundering, identity theft, and financial crimes while enabling banks to better understand customers. The presentation covers the stages of money laundering, risks to banks, and the importance of customer due diligence, identifying suspicious transactions, and complying with laws to prevent money laundering.
KYC Know Your Customer
KYC, or Know Your Customer, is a process where banks obtain details about a customer's identity and address. This helps ensure that bank services are not being misused, and enables banks to understand customer transactions and manage risks like money laundering and terrorism financing. As part of KYC, banks must periodically update customer details. KYC helps prevent identity theft, financial fraud, money laundering and terrorist financing. Banks must perform KYC when opening accounts, issuing loans or credit cards, and in other instances to obtain additional customer information.
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This document discusses Know Your Customer (KYC) guidelines for banks in India. It explains that KYC allows banks to properly identify customers and understand their financial transactions. The objectives of KYC are positive customer identification and safeguarding customer money. KYC applies when opening new accounts, changing account details, or conducting high-value transactions. Customers must provide photo ID, proof of identity, and proof of address, such as a passport, driver's license, or utility bills. Small deposit accounts have simplified KYC norms but still require identity verification. Relationship managers assist customers with KYC processes. Money laundering involves disguising illegally obtained money, and banks must properly identify customers to prevent this crime.
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This document outlines the KYC/AML/CFT policy of a bank. It discusses key aspects like money laundering definitions, obligations under relevant acts, customer due diligence procedures, risk categorization of customers, identification of suspicious transactions, and reporting requirements. The objective is to prevent criminal activities like money laundering and terrorist financing through proper monitoring and compliance with regulatory guidelines.
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Retail banking provides banking services to individuals through local branches of large commercial banks. Services offered include savings and checking accounts, mortgages, personal loans, debit cards, and credit cards. Retail banks deal with individual customers and small businesses by handling deposits, loans, and other transactions.
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Digital lending is quickly growing among the 'thin file' borrowers i.e. the borrowers with no or negligible credit history. These borrowers can be both consumers or businesses.
But, in recent months the digital lenders are struggling with liquidity crises due to the pandemic. As RBI extended loan moratorium to borrowers, the Digital Lenders are in a catch-22 situation. While their borrowers expect them to extend the moratorium, financial institutions they borrow from (Banks and large NBFCs) are either refusing to or delaying to extend the moratorium to the digital lenders. digital lenders Association of India (DLAI) has already approached the RBI to get the moratorium benefits.
It is quite expected that many digital lenders (especially ones with weaker balance sheets) will not survive not only because of the liquidity crisis but also exposure to less creditworthy borrowers who are often small businesses and less creditworthy individuals. The economic repercussions of the lockdown may leave many of the borrowers unable to repay as small businesses shut down and people lose employment.
Although, the lockdowns have caused rapid digital adoption which is beneficial for the industry in the long-term. This indicates that the industry is expected to go through a lot of consolidation as cash strapped players look to be acquired to get some exit.
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The document discusses Know Your Customer (KYC) norms for banks in India. It provides a history and overview of KYC guidelines, which were introduced to prevent money laundering and terrorist financing. The main points are:
1. KYC norms require banks to verify customers' identities and addresses when opening accounts by collecting documents like identity proofs and address proofs.
2. Guidelines were first introduced in the US after 9/11 and then adopted by India's RBI in 2002 for new accounts and 2004 for existing accounts.
3. Banks must establish customer identification procedures, monitor transactions, implement risk management practices, and comply with KYC guidelines to prevent misuse of banking activities. Regular audits
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The document discusses Know Your Customer (KYC) and Anti-Money Laundering (AML) guidelines from the Reserve Bank of India (RBI). It outlines the need to revise KYC norms due to technological advances and mobility. The RBI formulated new guidelines based on FATF recommendations to prevent money laundering and ensure banks implement appropriate controls and policies approved by their boards. The guidelines cover customer identification procedures, risk profiling, transaction monitoring, and roles and responsibilities to comply with KYC-AML standards.
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Digital lending is quickly growing among the 'thin file' borrowers i.e. the borrowers with no or negligible credit history. These borrowers can be both consumers or businesses.
But, in recent months the digital lenders are struggling with liquidity crises due to the pandemic. As RBI extended loan moratorium to borrowers, the Digital Lenders are in a catch-22 situation. While their borrowers expect them to extend the moratorium, financial institutions they borrow from (Banks and large NBFCs) are either refusing to or delaying to extend the moratorium to the digital lenders. digital lenders Association of India (DLAI) has already approached the RBI to get the moratorium benefits.
It is quite expected that many digital lenders (especially ones with weaker balance sheets) will not survive not only because of the liquidity crisis but also exposure to less creditworthy borrowers who are often small businesses and less creditworthy individuals. The economic repercussions of the lockdown may leave many of the borrowers unable to repay as small businesses shut down and people lose employment.
Although, the lockdowns have caused rapid digital adoption which is beneficial for the industry in the long-term. This indicates that the industry is expected to go through a lot of consolidation as cash strapped players look to be acquired to get some exit.
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KYC, or Know Your Customer, refers to banks obtaining and verifying key information about customers. This includes their identity, address, and occupation. The KYC process helps prevent money laundering and terrorism financing. It involves filling out a KYC form and providing identity documents like a PAN card and address proof. Key elements of KYC policies include customer acceptance criteria, customer identification procedures, monitoring transactions, and managing risks. Effective KYC implementation and monitoring of high-risk accounts is important.
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The document discusses India's payment systems. It outlines the key regulatory bodies that oversee payment systems in India. It then describes various paper-based and electronic payment methods in India such as cheques, NEFT, RTGS, IMPS, and prepaid payment systems. It also discusses the settlement system operator Clearing Corporation of India and features of the Cheque Truncation System. The document provides details on processing times, charges and limits for different payment methods in India. It concludes by noting some limitations of India's payment systems including the lack of standardized account numbering across banks.
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This document discusses Know Your Customer (KYC) procedures that banks must follow to prevent money laundering and related financial crimes. It outlines the key risks to banks, definitions of customers and transactions that require monitoring, KYC documentation standards, periodic review cycles based on customer risk, reporting requirements, record keeping policies, relaxed KYC procedures for low-income customers, and the need for staff training and customer education on KYC-related issues.
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Kyc norms in banks
KYC (Know Your Customer) procedures require banks to verify customer identities and monitor transactions to combat money laundering and terrorist financing. RBI (Reserve Bank of India) mandates that banks follow KYC guidelines under the Banking Regulation Act of 1949. Banks must have customer identification and verification procedures in place when opening accounts or conducting high-value transactions to comply with KYC regulations. Failure to properly implement KYC norms can result in penalties imposed by RBI as some banks were fined for opening accounts without proper verification that enabled fraudsters to steal money from customer accounts.
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This presentation discusses internet banking. It begins with an introduction defining internet banking as banking services provided over the internet, including bill payments, funds transfers, and viewing account statements. It then covers features of internet banking like removing geographical barriers and enabling both transactional and non-transactional tasks. The presentation also discusses accessing online banking through a financial institution's website using a customer number and password. Examples of internet banking experiences in different countries like the UK, USA, Sweden, Australia, and India are provided. Risks associated with internet banking and tips for safe online banking are also summarized.
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The document discusses disruption in the financial services industry. It argues that three forces are contributing to the disintegration of the traditional financial sector: 1) financial fragmentation driven by digitalization, which separates customer experiences into modular components; 2) disruptive innovation, which uses new technologies to fundamentally alter industry structures; and 3) hyper-competition, which creates constant disruption. It explores how digitalization has fragmented traditional banking models and created opportunities for more modular innovation. It also discusses how disruptive innovation, like peer-to-peer lending services, can challenge incumbents by initially targeting underserved customer segments. Banks will need to both collaborate with fintechs and embrace disruption themselves to compete in this changing landscape.
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The Digital delivery of banking products and services is already a reality.
Like it or not, your customers will compare their digital banking experience to shopping on Amazon, iTunes, eBay, Southwest Air, etc., and to their digital experiences with large banks that already have robust digital banking offerings.
Traditional banks can’t just push out mobile apps and capabilities to customers and call it a digital banking strategy. Customers expect a seamless integration of the entire online banking experience from initiation to fulfillment. If they are forced to drop off somewhere along the digital experience to print documents, call a representative, and/or visit a branch, you have lost the customer.
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This document provides an overview of payment systems in banking in India. It discusses the history of payment instruments from coins to paper money to modern systems like cheques and electronic funds transfer. It outlines some key milestones in the evolution of payment systems in India such as the introduction of magnetic ink character recognition for cheque processing and real-time gross settlement. The document also describes the role played by the Reserve Bank of India in payment systems as a user, service provider, and regulator. It discusses the organizational structure established by RBI to oversee reforms to the national payment system, including the Payment Systems Group, Payment Systems Advisory Committee, and National Payments Council.
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Fraud in banking can take several forms and be perpetrated by both insiders and outsiders. The document defines bank fraud and discusses the Reserve Bank of India's role in monitoring fraud cases in the banking sector. It also outlines some common types of fraud committed by insiders, such as deposit account frauds, purchased bill frauds, and loan frauds. Fraud by outsiders is also discussed, including bill discounting fraud, forgery of altered checks, and accounting fraud. The causes of banking fraud are described as well as the banker's responsibility to protect against deception and loss.
Current Accounts and its types
This document discusses various types of current accounts offered by Allied Bank Limited in Pakistan. It provides details on six main types of current accounts: Allied Current Account, Easy Current Account, Aasan Current Account, Pension Current Account, Allied Business Current Account, and Khanum Current Account. For each account type, it outlines the key features and requirements for opening the account. Overall, the document aims to explain the different current account options available to individuals and businesses through Allied Bank Limited.
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2. Guidelines were first introduced in the US after 9/11 and then adopted by India's RBI in 2002 for new accounts and 2004 for existing accounts.
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This document provides an overview of the accounts, deposits, cards, loans, investments, insurance, payments and other services offered by various banks including Axis Bank, HDFC Bank and State Bank of Patiala. It also discusses CIBIL guidelines for credit information generation and KYC norms for customer identification and verification required for opening new accounts or availing certain services.
Merchant banking guidelines
1. Merchant banking provides valuable non-banking financial services such as corporate finance, portfolio management, underwriting shares, and project counseling in exchange for fees.
2. Merchant banking originated from merchants in London who financed foreign trade and helped underdeveloped governments raise funds.
3. Merchant banking in India is regulated by SEBI and provides intermediary services between companies needing capital and investors.
Financial inclusion
Financial inclusion refers to ensuring access to financial services like savings accounts, loans, insurance, and remittance facilities for all sections of the population without discrimination. The Reserve Bank of India has advised banks to provide banking services in unbanked villages with populations over 2,000 people. Indian Overseas Bank is using smart card banking with business correspondents to extend services to allotted unbanked villages. Smart card banking allows account holders to access their accounts in their villages without visiting branches, using biometric smart cards and point-of-sale machines operated by business correspondents. Business correspondents are individuals or entities engaged by banks to provide banking services in unbanked areas and can include NGOs, retail shops, petrol
Financial inclusion
Financial inclusion refers to ensuring access to financial services like savings accounts, loans, insurance, and remittance facilities for all sections of the population without discrimination. The Reserve Bank of India has advised banks to provide banking services in unbanked villages with populations over 2,000 people. Indian Overseas Bank is using smart card banking with business correspondents to extend services to allotted unbanked villages. Smart card banking allows account holders to access their accounts in their villages without visiting branches, using biometric smart cards and point-of-sale machines operated by business correspondents. Business correspondents are individuals or entities engaged by banks to provide banking services in unbanked rural areas, and can include NGOs, retail shops
What Is a Commercial CIBIL Report and How to Improve it?
A positive Commercial Credit Information Report (CCIR), provided by CreditQ, is essential for businesses because it affects their credibility and borrowing possibilities. Strategic financial procedures promote optimal resource usage, while CreditQ-enabled constant monitoring protects against risks, maintains financial health, and enhances growth potential.
Explore more @ https://creditq.in/credit-information-report/
kycnormsgroup19-121110050951-phpapp01 - Copy.ppt
The document discusses Know Your Customer (KYC) procedures that banks must follow under Reserve Bank of India guidelines. KYC procedures help banks understand their customers better to manage risks and prevent money laundering. The key elements of KYC policies include customer acceptance, customer identification, monitoring transactions, and risk management. Banks must establish explicit KYC procedures and ensure effective implementation through appropriate board oversight and compliance.
Money Laundering and Its Fall-out - ROLE OF BANKS & FINANCIAL INSTITUTIONS I...
The document outlines the role of banks and financial institutions in preventing money laundering in India. It discusses guidelines from the Reserve Bank of India that require know-your-customer procedures for account openings and monitoring transactions for suspicious activity. Banks must categorize customers as low, medium, or high risk and apply appropriate due diligence and documentation requirements. They are also required to monitor large cash transactions and file reports on suspicious transactions over certain thresholds to the Financial Intelligence Unit. The document provides examples of suspicious activities and stresses the important role banks play in combating money laundering through proper policies, training, and compliance with anti-money laundering regulations.
Retail Bank Management
The document discusses Know Your Customer (KYC) and Customer Due Diligence (CDD) practices for banks. It emphasizes the importance of KYC in enabling banks to understand customers and manage risks. It provides guidelines for banks, including setting up a compliance unit, updating customer records, monitoring accounts, and imparting staff training on KYC/CDD.
Kyc (know your customer)
KYC guidelines require financial institutions to verify customer identities and monitor transactions to prevent money laundering, terrorist financing, identity theft and other illegal activities. The RBI's KYC guidelines include having a customer acceptance policy, customer identification procedures, monitoring high-value and suspicious transactions, and implementing risk management practices. Financial institutions must know their customers to comply with KYC regulations and protect themselves from illegal activities.
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KYC Norms and Audit of Advances - Fresh Perspective
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留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
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1、在校期间，因各种原因未能顺利毕业，拿不到官方毕业证+微信95270640
2、面对父母的压力，希望尽快拿到帝国理工大学帝国理工大学毕业证学历书；
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4、回国时间很长，忘记办理；
5、回国马上就要找工作，办给用人单位看；
6、企事业单位必须要求办理的；
面向美国乔治城大学毕业留学生提供以下服务:
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我们从事工作十余年的有着丰富经验的业务顾问，熟悉海外各国大学的学制及教育体系，并且以挂科生解决毕业材料不全问题为基础，为客户量身定制1对1方案，未能毕业的回国留学生成功搭建回国顺利发展所需的桥梁。我们一直努力以高品质的教育为起点，以诚信、专业、高效、创新作为一切的行动宗旨，始终把“诚信为主、质量为本、客户第一”作为我们全部工作的出发点和归宿点。同时为海内外留学生提供大学毕业证购买、补办成绩单及各类分数修改等服务；归国认证方面，提供《留信网入库》申请、《国外学历学位认证》申请以及真实学籍办理等服务，帮助众多莘莘学子实现了一个又一个梦想。
专业服务，请勿犹豫联系我
如果您真实毕业回国，对于学历认证无从下手，请联系我，我们免费帮您递交
诚招代理：本公司诚聘当地代理人员，如果你有业余时间，或者你有同学朋友需要，有兴趣就请联系我
你赢我赢，共创双赢
你做代理，可以帮助帝国理工大学同学朋友
你做代理，可以拯救帝国理工大学失足青年
你做代理，可以挽救帝国理工大学一个个人才
你做代理，你将是别人人生帝国理工大学的转折点
你做代理，可以改变自己，改变他人，给他人和自己一个机会美景更增添一份性感夹杂着一份纯洁的妖娆毫无违和感实在给人带来一份悠然幸福的心情如果说现在的审美已经断然拒绝了无声的话那么在树林间飞掠而过的小鸟叽叽咋咋的叫声是否就是这最后的点睛之笔悠然走在林间的小路上宁静与清香一丝丝的盛夏气息吸入身体昔日生活里的繁忙与焦躁早已淡然无存心中满是悠然清淡的芳菲身体不由的轻松脚步也感到无比的轻快走出这盘栾交错的小道眼前是连绵不绝的山峦浩荡天地间大自然毫无吝啬的展现它的达
Bridging the gap: Online job postings, survey data and the assessment of job ...
Bridging the gap: Online job postings, survey data and the assessment of job ...Labour Market Information Council | Conseil de l’information sur le marché du travail
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.Independent Study - College of Wooster Research (2023-2024)
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
一比一原版美国新罕布什尔大学(unh)毕业证学历认证真实可查
永久可查学历认证【微信：A575476】【美国新罕布什尔大学(unh)毕业证成绩单Offer】【微信：A575476】（留信学历认证永久存档查询）采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信：A575476】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信：A575476】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
→ 【关于价格问题（保证一手价格）
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：可来公司面谈，可签订合同，会陪同客户一起到教育部认证窗口递交认证材料，客户在教育部官方认证查询网站查询到认证通过结果后付款，不成功不收费！
Using Online job postings and survey data to understand labour market trends
Using Online job postings and survey data to understand labour market trendsLabour Market Information Council | Conseil de l’information sur le marché du travail
[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
Decoding job postings: Improving accessibility for neurodivergent job seekers
Improving the quality and accessibility of job postings is one way to reduce employment barriers for neurodivergent people.Recently uploaded (20)
Economic Risk Factor Update: June 2024 [SlideShare]
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BONKMILLON Unleashes Its Bonkers Potential on Solana.pdf
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Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
How Does CRISIL Evaluate Lenders in India for Credit Ratings
How Does CRISIL Evaluate Lenders in India for Credit Ratings
Seminar: Gender Board Diversity through Ownership Networks
Seminar: Gender Board Diversity through Ownership Networks
What's a worker’s market? Job quality and labour market tightness
What's a worker’s market? Job quality and labour market tightness
Bridging the gap: Online job postings, survey data and the assessment of job ...
Bridging the gap: Online job postings, survey data and the assessment of job ...
Independent Study - College of Wooster Research (2023-2024)
Independent Study - College of Wooster Research (2023-2024)
Using Online job postings and survey data to understand labour market trends
Using Online job postings and survey data to understand labour market trends
Banking & insurance
- 1. Banking & Insurance KYC-Know your Customer Presented by – Rishikesh Jella H-43
- 2. Introduction: KYC norms were introduced in 2002 by the Reserve Bank of India (RBI). It directed all banks and financial institutions to put in place a policy framework to know their customers before opening any account. The purpose was to prevent money laundering, terrorist financing, theft So KYC is one of a anti money laundering procedure or a small part of AML and Combating Financing terrorism (CFT).
- 3. Importance of KYC KYC is important because it helps the banker to ensure that the application and other details are real. By ensuring the identity of individuals, it would help to prevent fraud. The objective of KYC guidelines in banks is to prevent the banks from being used, intentionally or unintentionally, by criminal elements for money laundering activities. It also enable banks to better understand their customers and their financial dealings. This helps them manage their risks prudently.
- 4. Need for KYC: To open a bank account, a Demat and Stock trading account, open FD in another bank, would definitely need to comply with KYC requirements. It is now mandatory as per guidelines from the Securities and Exchange Board of India(SEBI) to comply with these KYC norms before you open a Demat and Trading account. Adherence to Know Your Customer (KYC) norms while submitting your documents, is a mandatory requirement for purchasing your CIBIL Rank and Company Credit Report (CCR). The objective of performing a KYC check is to enable CIBIL to provide information to the rightful owner.
- 5. Documents needed for KYC Passport Driving Licence Voters' Identity Card PAN Card Aadhaar Card issued by UIDAI Utility bills like telephone bill, Electricity bill, gas bill, Bank account statement received by mail or courier along with signature verification by the Banker Ration card Letter from employer, bank manager of scheduled commercial banks.
- 6. Small Accounts: These are the accounts which can be opened without having any one of the documents as per required guidelines of KYC. There are certain limitations for this kind of Small Accounts: Such accounts remain operational initially for a period of twelve months and thereafter, for a further period of twelve months if the holder of such an account provides evidence to the bank of having applied for any of the officially valid documents within twelve months of the opening of such account. •Balance in such accounts at any point of time should not exceed Rs.50,000 •Total credits in one year should not exceed Rs.1,00,000 •Total withdrawal and transfers in a month should not exceed Rs.10,000 •Foreign remittances cannot be credited to such accounts.
- 7. KYC in Banks Banks usually frame their KYC policies incorporating the following four key elements: Customer Acceptance Policy Customer Identification Procedures Monitoring of Transactions Risk management.
- 8. Impact of KYC The KYC requirement sometimes leads to unnecessary and repetitive work, delaying operations. Customers complain about the paperwork involved. Ultimately, it means customers have to run from pillar to post for complying with the KYC norms. Investors complain of being asked to provide details repeatedly or face a freeze on their accounts Companies and distributors say, KYC requirements have burdened them with substantial administrative obligations. The verification rules place a financial burden on banks, insurance companies and mutual funds due to the involved costs. eKYC is a paperless Aadhaar-based process for fulfilling your KYC requirements to start investing in Mutual Funds. SEBI has recently allowed Aadhaar-based KYC to be used for MF investments, for the convenience of investors
- 9. Questions
- 10. Thankyou