I-Financial Sector Conduct Authority iye yagunyazisa ababoneleli beenkonzo zemali abancinci ababini emva kokuba uhlolo lwayo lufumanise ukungathotyelwa (non-compliance) koMthetho weFinancial Intelligence Centre Act (FICA).
I-Vereeniging-based DSL Solutions (Pty) Ltd yahlawuliswa i-R200 000. I-Opes Trust, iqumrhu loshishino e-Centurion, yahlawuliswa i-R500 000, apho i-R250 000 yanqunyanyiswa ngokwemiqathango. Kuzo zombini ezi meko, izohlwayo kwafuneka zihlawulwe nge-1 kwinyanga ye Khala.
Amaqumrhu anelungelo lokufaka isibheno kwiBhodi yeziBheno yeFinancial Intelligence Centre (FIC) phakathi kweentsuku ezingamashumi amathathu (30) zokufumana izaziso zezohlwayo, ezazibhalwe ngomhla wesibini (2) kwinyanga ye Silimela (Juni). Ukuba iqumrhu alihlawuli isohlwayo ngomhla omiselweyo kwaye alifaki sibheno kwixesha elimiselweyo, i-FSCA inokucela iNkundla ePhakamileyo ukuba ibhalise isaziso sesohlwayo, iyenze ibe sisigwebo sembambano.
UFrancois Meyer, umphathiswa we-Opes Trust’ kunye nommeli oyedwa, uxelele iMoonstone ukuba akanakukwazi ukuhlawula isohlwayo se-R250 000. Ujonge ukufaka isibheno kwiBhodi yeziBheno yeFIC.
UMeyer, oke wasebenza kwishishini leenkonzo zemali iminyaka engamashumi amane ananye (41) , uthe uyayixhasa imithetho nolawulo oluyilelwe ukuqinisekisa ukuthembeka kwecandelo lezemali, kodwa abalawuli kufuneka bajolise kwabo baququzelela urhwaphilizo lukarhulumente kunye nokuqhuba ubuqhophololo kwi-Intanethi, hayi kancinci. IiFSPs ezigunyazisiweyo.
Uthe i-95% yeshishini le-Opes Trust’ liquka abathengi abanemali yokuphila okanye i-life annuities, ezithengwe kusetyenziswa imali yomhlalaphantsi exhaswa ngokutsalwa kwemivuzo. UMeyer uthe ubazi kakuhle bonke abathengi bakhe, kwaye akukho namnye kubo owayebandakanyeka ekurhwaphilizeni imali (ML), singasathethi ke ngenkxaso-mali yabanqolobi (TF).
Ngokutsho kwe-FSCA, imvelaphi yezohlwayo kwi-Opes luhlolo olwenziwe ngenyanga YoMqungu kunyaka ka 2022, xa iGunya lifumene ukuba iTrasti ayinayo iNkqubo yoLawulo loMngcipheko kunye nokuThotyelwa (Risk Management and Compliance Programme (RMCP)). Ukuphendula, i-Opes ingenise i-RMCP esanda kuphuhliswa.
I-Opes ithe kwiingxelo zayo ukuba yajongana ngokupheleleyo neziphumo zohlolo luka-2022 kwaye ikholelwa ukuba iyahambelana, njengoko kuqinisekiswe yi-FSCA. Nangona kunjalo, iGunya lathi uphononongo luka-2022 lulinganiselwe kumda.
Ngenyanga yoMdumba kunyaka ka 2024, i-FSCA yenze uhlolo olulandelayo, olwafumanisa ukuba i-RMCP yayinesiphako ngenxa yokuba ayizange ihlaziywe ukuze ibonise izilungiso ze-2022 kwi-FICA.
NgoNovemba ka-2024, iFSCA yakhupha isaziso senjongo yokohlwaya. I-Opes Trust ingenise iinkcazo ngoDisemba, kubandakanywa i-RMCP elungisiweyo kunye neefayile zabathengi ezihlaziyiweyo. IGunya liqaphele uphuculo oluthile kodwa lafumana izikhewu, nto leyo eyakhokelela kwisaziso sokugqibela sesohlwayo ngoJuni ka-2025.
IMoonstone iye yaqhagamshelana neDSL ukuze inike izimvo, kodwa akukhange kubekho mpendulo, de kwafika ixesha lokupapashwa kwee ndaba.
Iziphumo zohlolo eziqhelekileyo kuwo omabini amaziko
Onke amaziko anoxanduva kufuneka aphuhlise, abhale, agcine kwaye aphumeze i-RMCP ejongene nemingcipheko ye-ML, TF, kunye ne-proliferation financing (PF) (icandelo lama-42 le-FICA).
Amaziko aphendulayo kufuneka kwakhona enze inkuthalo yabathengi (customer due diligence (CDD)) (amacandelo 20A ukuya ku-21H), abathengi besikrini ngokuchasene noluhlu lweZohlwayo zeMali ekujoliswe kuzo (Screen clients against the Targeted Financial Sanctions) (TFS), bafake iingxelo zentengiselwano ezikrokrisayo nezingaqhelekanga (Suspicious and unusual Transaction Reports) ( STRs kunye neFIC njengoko kufuneka kwaye kugcinwe ukuthotyelwa okusebenzayo. umsebenzi nomntu onobuchule obaneleyo kunye nobukhulu obunoxanduva lokuthotyelwa (icandelo 42A (2)).
I-FSCA ithe uhlolo lwayo lufumene ipateni efanayo ngokubanzi kokungathotyelwa non-compliance ngawo omabini amaqumrhu. Ichonge iindidi ezintlanu ezingundoqo zokungaphumeleli:
Iintsilelo kwi-RMCP
Omabini amaqumrhu anee-RMCPs ezivavanywe yi-FSCA njengezinqongopheleyo ngokobuchwephesha nangokusebenza, zingenazo iinkqubo ezicacileyo okanye amaxwebhu aneleyo okuchasa ukuthutyeleziswa kwemali okubalulekileyo, inkxaso-mali yokulwa nabanqolobi, kunye nolawulo lwenkxaso-mali oluchasene nokwanda kwemali. Ii-RMCPs azizange ziwamisele ngokwaneleyo amanyathelo okuphunyezwa kwaye, kwezinye iimeko, azizange zihlaziywe ukuze zibonise utshintsho lomthetho okanye lwesikhokelo.
Ukusilela okukhulu kweCDD
Uhlolo lurekhode ukusilela okuxhaphakileyo ekuchongeni nasekuqinisekiseni izazisi zabaxumi, ukufumana nokugcina ulwazi lwemithombo-mali, ukumisela ubume boMntu obuvezwe ngokwePolitiko apho kuyimfuneko, kunye nokwenza inkuthalo eqhubekayo ngokuhambelana nemilinganiselo yomngcipheko wabaxhasi.
TFS ukuhlolwa okushiyiweyo
Omabini la maziko asilelanga ukubonisa ukuba aye ahlola ulwazi lwabaxumi ngokuchasene noluhlu olusebenzayo lwe-TFS/United Nations Security Council olupapashwe phantsi koMthetho woKhuseleko lweDemokhrasi yoMgaqo-siseko ngokuchasene nobuGqwirha kunye neMisebenzi eNxulumeneyo. Iifayile zabaxumi ezenziwe ngeesampulu bezingekajongwa ngokuchasene noluhlu njengoko kufunwa licandelo 28A elifundwe necandelo 26B leFICA.
Ukusilela okukhulu kweCDD
Uhlolo lurekhode ukusilela okuxhaphakileyo ekuchongeni nasekuqinisekiseni izazisi zabaxumi, ukufumana nokugcina ulwazi lwemithombo-mali, ukumisela ubume boMntu obuvezwe ngokwePolitiko apho kuyimfuneko, kunye nokwenza inkuthalo eqhubekayo ngokuhambelana nemilinganiselo yomngcipheko wabaxhasi.
TFS ukuhlolwa okushiyiweyo
Omabini la maziko asilele ukubonisa ukuba aye ahlola ulwazi lwabaxumi ngokuchasene noluhlu olusebenzayo lwe-TFS/United Nations Security Council olupapashwe phantsi koMthetho woKhuseleko lweDemokhrasi yoMgaqo-siseko ngokuchasene nobuGqwirha kunye neMisebenzi eNxulumeneyo (Protection of Constitutional Democracy Against Terrorist and Related Activities Act). Iifayile zabaxumi ezenziwe ngeesampulu bezingekajongwa ngokuchasene noluhlu njengoko kufunwa licandelo 28A elifundwe necandelo 26B leFICA.
Ukunika ingxelo ngeentengiselwano ezikrokrisayo nezingaqhelekanga
Ukuhlolwa kwe-FSCA’ kufumanise ukuba i-Opes izamile ukungenisa ingxelo yentengiselwano ekrokrisayo kunye/okanye engaqhelekanga, eyakhatywa yi-FIC kuba yayingenalo lonke ulwazi olufunwa ngummiselo wama-23A weMimiselo yokuThuthukiswa kweMali kunye noLawulo lweNkxaso-mali yabanqolobi. I-FIC yazisa i-FSCA ngokungeniswa okukhatywayo, kwaye irekhodi lokuhlola libonise ukuba i-Opes ayizange ilungise ingxelo ekhatyiweyo.
I-FSCA yafumanisa ukuba i-DSL’s RMCP ayizange ibonelele ngeenkqubo ezifunekayo ezinxulumene nokuqinisekisa ulwazi xa kuvela amathandabuzo kunye nokuxela iintengiselwano ezikrokrisayo nezingaqhelekanga.
Ulawulo olubuthathaka kunye nemisebenzi yokuthobela engasebenziyo
Umsebenzi wokuthotyelwa kwiziko ngalinye ubungenabo ubungqina bobuchule obaneleyo, ubukhulu obufanelekileyo, okanye ukusebenza ngempumelelo. Kwiimeko ezininzi, umntu owabelwe indima yokuthotyelwa akazange abonise amandla okusebenza okanye uqeqesho olulindelekileyo lokongamela i-RMCP kunye nezibophelelo zokuthotyelwa kwemihla ngemihla.
Izohlwayo
I-FSCA ithe ithatha ukuchasana okuchongiweyo njengento enzulu, igxininisa ukuba amaziko aphendulayo kufuneka abe nolawulo oluqinileyo lomngcipheko kunye nolawulo oluchasene nokuthutyeleziswa kwemali, kwaye ukusilela ukwenza oko kujongela phantsi ukuthembeka kwenkqubo yezemali.
I-FSCA ithe ezi ntsilelo zizinto eziphathekayo kuba i-RMCP, i-CDD, kunye ne-TFS yokuhlola zizixhobo eziphambili zokuchonga nokunciphisa imingcipheko ye-ML/TF/PF.
I-FSCA ibeke isohlwayo se-R200 000 kwi-DSL – R100 000 ngenxa yokungathotyelwa kwe-RMCP, i-R50 000 yokungathotyelwa kweCDD, kunye ne-R50 000 ngenxa yokungaphumeleli kovavanyo lwe-TFS. Ukongeza, i-DSL ifumene isilumkiso esibhaliweyo sokungaphindi ukuziphatha kunye nokukhalinyelwa kweentsilelo zolawulo.
Isohlwayo se-R500 000 esibekwe kwi-Opes siquka i-R200 000 yokusilela kwe-RMCP, i-R200 000 yokusilela kwe-CDD, kunye ne-R100 000 ye-TFS eshiyiweyo yokuhlola. Kwitotali, i-R250 000 ibifanele ukuhlawulwa ngomhla woku-1 kuJulayi okanye ngaphambi kwayo. I-R250 000 eseleyo yanqunyanyiswa iminyaka emibini phantsi komqathango wokuba i-Opes igcine ukuthotyelwa ngokupheleleyo namacandelo athile e-FICA ngexesha lokunqunyanyiswa.
IGunya lithe amaziko anoxanduva kufuneka athobele ngokupheleleyo i-FICA, kwaye amanyathelo olawulo aya kuthatyathwa apho kufunyanwa khona ukusilela.
Eli nqaku lipapashwe ngomhla wamashumi amabini anesihlanu kwinyanga yoMsintsi (25 Septemba 2025), liguqulelwe kwisiXhosa ngu Ongeziwe Babane.
Cofa apha , ufunde inqaku lesiNgesi elibhalwe yi Moonstone.
