{"id":17065,"date":"2018-10-18T08:16:40","date_gmt":"2018-10-18T08:16:40","guid":{"rendered":"http:\/\/triniti.eu\/insights\/kuidas-maandada-rahapesuriski-oma-ettevottes\/"},"modified":"2026-04-15T13:39:35","modified_gmt":"2026-04-15T13:39:35","slug":"kuidas-maandada-rahapesuriski-oma-ettevottes","status":"publish","type":"insights","link":"https:\/\/triniti.1kdigital.com\/et\/insights\/kuidas-maandada-rahapesuriski-oma-ettevottes\/","title":{"rendered":"Kuidas maandada rahapesuriski oma ettev\u00f5ttes?"},"content":{"rendered":"\nRahapesu t\u00f5kestamise temaatika juures on olulisim see, et ettev\u00f5tjad oleksid ise suutelised tuvastama oma \u00e4riga kaasnevaid v\u00f5imalusi rahapesuks ja terrorismi rahastamiseks ning ilmnenud riske maandama. Riskide hindamine on suunatud nende endi \u00e4ri v\u00f5imaldamisele, mitte \u00e4ri keerulisemaks muutmisele ega takistamisele.\n\n<!--more-->\n\nSelleks tuleb ettev\u00f5tjal m\u00f5ista, kuidas suhestuvad rahapesu t\u00f5kestamisele suunatud reeglid konkreetselt tema \u00e4riga. S\u00f5ltuvalt riskidest tuleb igal kohustatud isikust ettev\u00f5tjal kehtestada protseduurireeglid, mis oleksid ettev\u00f5tte tegevust ja mahtu arvestades m\u00f5istlikud ja sellised, mida ettev\u00f5te oma tegevuses ka reaalselt rakendada saab.\n\nAll l\u00fchidalt soovitused, kuidas koostada enda ettev\u00f5ttes riskihinnang ja rahapesu t\u00f5kestamise protseduurireegleid.\n<h5><strong>Riskihinnang<\/strong><\/h5>\n&nbsp;\n<ul class=\"type4\">\n \t<li>Esmalt koosta enda ettev\u00f5tte jaoks riskihinnang, kus tuvasta ja kirjuta lahti k\u00f5ik need viisid, kuidas konkreetselt sinu ettev\u00f5tet on v\u00f5imalik kasutada rahapesuks ja terrorismi rahastamiseks.<\/li>\n \t<li>Selleks m\u00f5tle l\u00e4bi, missugustele riskidele sinu ettev\u00f5te haavatav on.<\/li>\n \t<li>M\u00e4\u00e4ratle, missugust riski sinu ettev\u00f5tte kliendid, koost\u00f6\u00f6partnerid, tooted, teenused, riigid, suhtlus- ja turunduskanalid sinu ettev\u00f5ttele kujutavad.<\/li>\n \t<li>Seej\u00e4rel hinda, kas sinu ettev\u00f5ttes tarvitusele v\u00f5etud meetmed on nende riskidega tegelemiseks piisavad.<\/li>\n \t<li>Kui ei ole, siis m\u00f5tle sellele, kuidas riskijuhtimist m\u00f5istlikult t\u00f5hustada.<\/li>\n \t<li>\u00c4ra unusta, et s\u00f5ltumata sellest, kui head meetmed on sinu ettev\u00f5ttes kehtestatud, j\u00e4\u00e4b alati mingi risk, et sinu ettev\u00f5tet rahapesuks siiski kasutatakse.<\/li>\n<\/ul>\n<a href=\"https:\/\/triniti.ee\/wp-content\/uploads\/sites\/2\/2018\/10\/TRINTIT_riskit\u00f5kestamine.jpg\"><picture class=\"wp-picture-9469\" style=\"display: contents;\"><source type=\"image\/avif\" srcset=\"https:\/\/triniti.1kdigital.com\/wp-content\/uploads\/2022\/01\/29.04.20-jpg.avif\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-9469\" src=\"https:\/\/triniti.ee\/wp-content\/uploads\/sites\/2\/2018\/10\/TRINTIT_riskit\u00f5kestamine.jpg\" alt=\" width=\"960\" height=\"640\" \/><\/picture><\/a>\n<h5><strong>Riskiisu\n\n<\/strong><\/h5>\n<ul class=\"type4\">\n \t<li>Kui riskihinnang on tehtud, siis m\u00e4\u00e4ratle enda riskiisu.<\/li>\n \t<li>Selleks kirjelda \u00e4ra, missuguseid riske sinu ettev\u00f5te ei v\u00f5ta (v\u00e4ldib) ja milliseid on valmis v\u00f5tma.<\/li>\n<\/ul>\n<h5><strong>Protseduurireeglid\n\n<\/strong><\/h5>\n<ul class=\"type4\">\n \t<li>Kui riskihinnang ja riskiisu on paika pandud, siis koosta enda ettev\u00f5tte jaoks sobivad protseduurireeglid.<\/li>\n \t<li>J\u00e4lgi, et protseduurireeglid sisaldaks juhiseid, kuidas sinu ettev\u00f5ttes nii seaduse kui j\u00e4relevalve n\u00f5udeid t\u00e4idetakse.<\/li>\n \t<li>P\u00f6\u00f6ra t\u00e4helepanu, et reeglid kajastaksid v\u00e4hemalt seda, kuidas tuvastatakse kliendi isik (sh tema tegelik kasusaaja ja see, kas tegemist on riikliku taustaga, kohaliku riikliku taustaga isikuga v\u00f5i nende l\u00e4hikondsega), millal ja kuidas tuleb kindlaks teha kliendi vara p\u00e4ritolu, kust ja kuidas k\u00f5iki neid andmeid kontrollitakse, mil viisil toimub \u00e4risuhte seire jne.<\/li>\n \t<li>\u00c4ra tuleb m\u00e4\u00e4rata ta ka andmed, mida eelneva jaoks kliendi k\u00e4est k\u00fcsida tuleb.<\/li>\n \t<li>Sisemised protseduurireeglid peavad sisaldama ka seda, kuidas m\u00e4\u00e4rata igale kliendile tema riskiaste, mis n\u00e4itab, kui tihti ja kuidas tema tegevust j\u00e4lgida tuleks.<\/li>\n<\/ul>\nKokkuv\u00f5ttes tuleb rahapesu protseduurireeglite kirjutamiseks ja t\u00e4itmiseks esmalt p\u00fc\u00fcda oma ettev\u00f5ttega seonduvatest rahapesu riskidest ja nende t\u00f5kestamise meetmetest sisuliselt aru saada ning seej\u00e4rel koostada vastavad juhised.\n\nT\u00e4psemate soovituste saamiseks p\u00f6\u00f6rduge julgelt <span style=\"color: #008cc8;\"><a style=\"color: #008cc8;\" href=\"https:\/\/triniti.ee\/kontakt\/\" target=\"_blank\" rel=\"noopener\">meie<\/a><\/span> poole, <span style=\"color: #008cc8;\"><a style=\"color: #008cc8;\" href=\"https:\/\/triniti.ee\/tegevusvaldkonnad\/pangandus-finantsoigus\/\" target=\"_blank\" rel=\"noopener\">TRINITI finantstiim<\/a> <\/span>aitab teil protseduurireeglid korrektselt vormistada ja veenduda, et nende sisu vastab n\u00f5uetele!\n","protected":false},"featured_media":2808,"template":"","person_countries":[296],"people_industries":[],"experience_practice_area":[300,318],"insight_category":[430],"class_list":["post-17065","insights","type-insights","status-publish","has-post-thumbnail","hentry","person_countries-eesti","experience_practice_area-arioigus","experience_practice_area-pangandus-finantsoigus","insight_category-blogi"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Kuidas maandada rahapesuriski oma ettev\u00f5ttes? - TRINITI - Pan-Baltic Law Firm<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"et_EE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kuidas maandada rahapesuriski oma ettev\u00f5ttes? - TRINITI - Pan-Baltic Law Firm\" \/>\n<meta property=\"og:description\" content=\"Rahapesu t\u00f5kestamise temaatika juures on olulisim see, et ettev\u00f5tjad oleksid ise suutelised tuvastama oma \u00e4riga kaasnevaid v\u00f5imalusi rahapesuks ja terrorismi rahastamiseks ning ilmnenud riske maandama. Riskide hindamine on suunatud nende endi \u00e4ri v\u00f5imaldamisele, mitte \u00e4ri keerulisemaks muutmisele ega takistamisele.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/triniti.1kdigital.com\/et\/insights\/kuidas-maandada-rahapesuriski-oma-ettevottes\/\" \/>\n<meta property=\"og:site_name\" content=\"TRINITI - Pan-Baltic Law Firm\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-15T13:39:35+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/triniti.1kdigital.com\/wp-content\/uploads\/2021\/11\/Katri-Tomson-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2476\" \/>\n\t<meta property=\"og:image:height\" content=\"2477\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/triniti.1kdigital.com\\\/et\\\/insights\\\/kuidas-maandada-rahapesuriski-oma-ettevottes\\\/\",\"url\":\"https:\\\/\\\/triniti.1kdigital.com\\\/et\\\/insights\\\/kuidas-maandada-rahapesuriski-oma-ettevottes\\\/\",\"name\":\"Kuidas maandada rahapesuriski oma ettev\u00f5ttes? 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