20 Şubat 2012 Pazartesi

KYC COMPLİANCE

Know Your Customer (KYC) compliance regulation has proved to be one of the biggest operational challenges banks, accountants, lawyers and similar financial service providers worldwide have had to overcome.

World-Check, the industry standard KYC compliance solution, provides an overview of KYC compliance and its origins, and outlines the compliance mandate as applicable to banks, accounting firms, lawyers and other regulated financial service providers – not just in the UK, Europe and the USA, but all around the world. Relied upon by more than 3,000 institutions worldwide, this KYC database solution provides effective legal and reputational risk reduction.

Why “Know Your Customer?”


The 9/11 terrorist attacks on the World Trade Centre revealed that there were sinister forces at work around the world, and that terrorists activities were being funded with laundered money, the proceeds of illicit activities such as narcotics and human trafficking, fraud and organised crime. Overnight, the combating of terrorist financing became a priority on the international agenda.

For the financial services provider of the 21st century, “knowing your customers” was no longer a suggested course of action. Based on the requirements of legislative landmarks such as the USA PATRIOT Act 2002, modern Know Your Customer (KYC) compliance mandates were created to simultaneously combat money laundering and the funding of terrorist activities.

What is Know Your Customer (KYC)?


Know Your Customer, or KYC, refers to the regulatory compliance mandate imposed on financial service providers to implement a Customer Identification Programme and perform due diligence checks before doing business with a person or entity.

KYC fulfils a risk mitigation function, and one its key requirements is checking that a prospective customer is not listed on any government lists for wanted money launders, known fraudsters or terrorists.

If preliminary KYC checks reveal that the person is a Politically Exposed Person (PEP), for example, Advanced Due Diligence must be done in order to ensure that the person’s source of wealth is transparent, and that he or she does not pose a reputational or financial risk in terms of their finances, public positions or associations. Beyond customer identification checks, the ongoing monitoring of transfers and financial transactions against a range of risk variables forms an integral part of the KYC compliance mandate.

But to understand the importance of KYC compliance for financial service providers better, its origins need to be examined.

Origins of Know Your Customer (KYC) compliance


The arrival of the new millennium was marred by a spate of terrorist attacks and corporate scandals that unmasked the darker features of globalisation. These events highlighted the role of money laundering in cross-border crime and terrorism, and underlined the need to clamp down on the exploitation of financial systems worldwide.

Know Your Customer (KYC) legislation was principally not absent prior to 9/11. Regulated financial service providers for a long time have been required to conduct due diligence and customer identification checks in order to mitigate their own operation risks, and to ensure a consistent and acceptable level of service.

In essence, the USA PATRIOT Act was not so much a radical departure from prior legislation as it was a firmer and more extensive articulation of existing laws. The Act would lead to the more rigorous regulation of a greater range of financial services providers, and expanded the authority of American law enforcement agencies in the fighting of terrorism, both in the USA and abroad.

In October 2001, President George W. Bush signed off the USA PATRIOT Act, effectively providing federal regulators with a new range of tools and powers for fighting terror financing and money laundering. During July 2002, the US Treasury proceeded to introduce Section 326 of the PATRIOT Act, a clause that removed some key burdens for regulators and added significant enforcement muscle to the Act.

What 9/11 changed, in essence, was the extent to which existing legislation was being implemented. Using the provisions of the earlier anti-terrorism USA Act as a foundation, it included the Financial Anti-Terrorism Act, which allowed for federal jurisdiction over foreign money launders and money laundered through foreign banks. Significantly, it is this anti-terror law that would make the creation of an Anti Money Laundering (AML) programme compulsory for all financial institutions and service providers.

Section 326 of the USA PATRIOT Act dealt specifically with the identification of new customers (“CIP regulation”), and made extensive provisions in terms of KYC and the methods employed to verify client identities.

In accordance with this piece of updated KYC legislation, federal regulators would hold financial institutions accountable for the effectiveness of their initial customer identification and ongoing KYC screening. Institutions are required to keep detailed records of the steps that were taken to verify prospective clients’ identities.

Although current KYC legislation does not yet demand the exclusion of specific types of foreign-issued identification, it recommends the usage of machine-verifiable identity documents. The ability to notify financial institutions if concerns regarding specific types of identification were to arise, combined with a risk-based approach to KYC, proved to provide a robust mechanism for addressing security concerns.

Effectively, the risk-based approach to customer due diligence grants regulated institutions a certain degree of flexibility to determine the forms of identification they will accept, and under which conditions.

KYC compliance: Implications for banks, lawyers and accounting firms


The KYC compliance mandate, for all its positive outcomes, has burdened companies and organisations with a substantial administrative obligation. Additionally, KYC compliance increasingly entails the creation of auditable proof of due diligence activities, in addition to the need for customer identification.

EVDE YAPABİLECEĞİNİZ BAKIM ÜRÜNLERİ

Havuç maskesi
normal cilt için
1 yumurta sarısı,yarım tatlı kaşığı zeytinyağı ve bir tatlı kaşığı dolusu havuç suyu iyice karıştırılır. Yüze uygulanır ve 15 dakika etkilemeye bırakılır.

Limon peelingi
yağlı cilt için
2 yemek kaşığı ince rendelenmiş limon kabuğu, 2 yemek kaşığı yulaf unu ve 6 yemek kaşığı dolusu buğday kepeği iyice karıştırılır ve biraz su eklenerek esnek bir lapa haline getirilir. Dairesel hareketlerle, 2-3 dakikalık bir süre boyunca cilt temizlenir. Sonra bolca ılık suyla yıkanır.



Bal ve yumurta maskesi
Zenginleştirici maddelerle cildi besler ve özellikle kuru ciltleri nemlendirir. Cildi yumuşak ve pürüzsüz yapar. Cilt için soğuk kış günlerinde gerekli olan nemi sağlar. Hazırlaması kolay olan bu karışım aynı zamanda oldukça ucuza mal olur.
Malzemeler:
• 1 çay kaşığı nemlendirici krem
• 1 yumurta
• 1 yemek kaşığı badem yağı
• 1 yemek kaşığı bal
Hazırlanışı: Yumurtanın beyazı ve sarısını ayırın. Yumurtanın sarısına damlalar halinde badem yağını ekleyerek karıştırın. Ardından yavaşça nemlendirici kremi ve balı katın. Yumurta beyazını da ayrı bir kapta hafifçe çırpın ve yumurta sarısını karşıma katıp tümünü sürülebilecek kıvama gelene kadar karıştırın.
Kullanımı: Karışımı, genişçe bir fırça veya pamukla yüz ve boyun bölgesine yayın ve en az yarım saat etkisini göstermesini bekleyin. Ardından ılık suyla yıkayın.

10 Şubat 2012 Cuma

contrAA®

 


Analytik Jena brings an innovation on the market — the contrAA® series — which exceeds the performance of conventional AA spectrometers in all parameters.
This new technology — High-Resolution Continuum Source AAS — represents previously unattained effectiveness
and quality of measurement results. Following decades of experience in the development of spectrometers and graphite furnaces and in cooperation with partners from leading research institutes, a vision becomes reality — the start of a new generation in AAS, with the contrAA® series, which finally closes the gap between ICP OES and AAS.

High-Resolution Continuum Source AAS (HR-CS AAS) covers the complete spectral range from the near vacuum-UV to the near infrared with a single continuum source, providing innovative capabilities. For the first time, genuine sequential multi-element analysis is implemented in AAS without the need for a multitude of different light sources.


At first glance:

Maximum versatility and flexibility
Guaranteed stability
Improved accuracy
Maximum information content
Speed for higher efficiency
New level of performance
Fast sequential multi-element determination for flame AAS
Simultaneous background correction
Full post processing of measurement (FPP)


Unique Flexibility
The xenon short-arc lamp as a continuum source is ideal for any element to be analyzed. No matter how frequently or seldom you have to determine an element, the HR-CS AAS instrument is immediately ready for measurement. You have every freedom for line selection, as the source covers the entire continuous wavelength range. All absorbing atom lines are immediately available, irrespective of the emission properties of the HCL (such as windows transmissive to UV or visible radiation). In addition, several new types of lines can be used for analysis.

Immediate Readiness for Measurement
The immediate readiness for measurement provided by HR-CS AAS is due to the fact that the lamp needs no fixed warm-up time to avoid output drift. Innovative correction algorithms continuously compensate any drift or fluctuation of the spectrometer including the source.

Improved Performance
HR-CS AAS features an improved signal-to-noise ratio and markedly better detection limits. This is due to the higher radiation density of the Xe continuum source compared to HCLs, and the enormously increased quantum efficiency of a CCD semiconductor detector compared to the photomultiplier tube commonly used in line-source AAS (LS AAS). HR-CS AAS is the first technique that c an efficiently correct spectral interferences in flame AAS by structured flames or molecule structures. This provides improved simultaneous background correction, and capabilities to correct spectral interferences to increase the accuracy of analytical results
,,,alıntı,,,

pacanga böregi

Malzemeler :
2 Adet yufka
150 gr sucuk
200 gr rende kasar
1 Adet domates
1 Adet yesilbiber
1 Tutam maydanoz
Kızartmak için sıvı yağ

Hazırlanışı :
Yufkaları dört üçgen elde edecek şekilde kesin.
sucukları ince ince dilimleyin doğradığınız biber ve domatesle teflon tavaya koyarak 1-2 dakika sote edin
(isteğe göre çiğdende kullanabilirsiniz). Soğuyunca kıyılmış maydanoz ve rendelenmiş kaşar peynirini ekleyin.
Yufkayı kalın bir sigara böreği şeklinde sarın.Tüm yufkalar bitene kadar bu işleme devam edin.
Yufkalar bittikten galeta ununa bulayarak , kızgın yağa atarak altlı üstlü kızartın.
Soğutmadan sıcak olarak servis yapın.
AFİYET OLSUN.......

26 Ocak 2012 Perşembe

Recover, Repair, Recycle

Benefit from Huntron's 30 years of providing quality Diagnostic Tools for PCA Recovery With today's valid concerns for protection of our environment, the recovery, repair and recycling of printed circuit assemblies (PCAs) is a positive move towards sustainable environmental-friendly practices.Huntron has been helping businesses troubleshoot and repair printed circuit assemblies for over 30 years. Repairing rather than discarding failed PCAs keeps the potentially harmful chemical components such as lead out of our world's landfills and disposal sites.Below is a list of Huntron products to help you recover, repair and recycle PCAs:• Huntron Tracker 2800 • Huntron Tracker Model 30 • Huntron TrackerPXI • NFSA RF Prober New Version of Huntron Workstation Available!A new version of Huntron Workstation is now available for download. Go to the Workstation Support web page to download version 4.1.3273! Update December 22, 2008.New Automated Near Field Signature Analysis Combining the Huntron Access Robotic Probing Station, Huntron Workstation Software and the new Test Evolution (TEV) Non-Contact RF Near Field Probe with local synthetic measurement technology sets the standard for Near Field Signature Analysis (NFSA).Placing the sensor, receiver and signal processing in one compact RF Probe assembly allows the sensing of EM fields emanating from RF circuitry. A specific position in a Near Field is defined as a Virtual Test Point™ (VTP) where a NFSA measurement is made. Identical circuits emanate nearly identical fields at the VTP. The combination of Huntron Prober and TEV RF Probe allows accurate positioning and measurement of VTPs. This provides the repeatability to measure VTP's from 200MHZ to 3GHZ on RF assemblies. When used for test, an engineer examines the UUT schematic with an eye toward following the RF signal path. Using Huntron Workstation Software, points along that path are selected for Virtual Test Points (VTP). A set of known good boards are then scanned making and saving Near Field signatures at the VTP's. Unknown UUT's are scanned with the same VTP's against the saved signatures. Any deviation against stored signatures indicates areas of concern.Near Field Signature Analysis (NFSA) is close proximity sensing of EM fields emanating from RF circuitry. Near Fields are close to active circuits with the strength dependent on power and circuit design. AC circuits radiate a unique frequency and magnitude “signature” being a function of frequency of operation, magnitude, distance to the test probe and geometric location of the probe.The RF NFSA Prober will be available from Huntron to USA customers only in early 2009. Contact Huntron for more details on Near Field Signature Analysis.Download the latest NFSA RF Prober brochure now!Huntron Access USB Probers The NEW Huntron Access USB Probers are the latest versions of the popular robotic probers used to automate testing of complex printed circuit boards. The Access USB Probers come in two sizes - the Access USB Prober can handle PCBs up to 19.4” by 14” and the larger Access 2 USB Prober can hold PCBs up to 22” by 23” in size. The new Probers come with a USB Probe Tip camera to monitor the probe placement as the test progresses. Both Probers uses linear encoders for incredible 20 micron accuracy. The new Access USB Probers can also be ordered with the Tracker Model 30 embedded inside the chassis for a space saving, all-in-one platform.Download the latest Diagnostic Systems brochure now!Huntron's flexible, automated diagnostic solutions help people solve circuit card problems.Huntron was founded in 1976 with the introduction of the Huntron Tracker®, the pioneering troubleshooting tool that uses power-off signature analysis to identify component failures on printed circuit boards.Today, Huntron's reputation in providing automated power-off diagnostics results in instrumentation and software for test, inspection and repair of electronic printed circuit assemblies. As density and complexity increase, printed circuit assemblies become tougher to probe and test. Huntrom complements conventional test equipment with access and test tools that catch the elusive problems other test methods often miss. The keys are physical and virtual access, which translates into meaningful results such as shorther design cycles, improved production yield and lower warranty costs. When you need to test, diagnose or troubleshoot complex circuit boards, Huntron lets you access, explore and discover more.Contact us for more information on how we can help solve your test and troubleshooting needs

GİZLİLİK POLİTİKASI

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DoubleClick DART çerezi nedir?
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Bağlantı sağlanan siteler:


Değişiklikler:

Bu sayfada okumakta olduğunuz http://cocuklarima.blogspot.com gizlilik politikaları zaman içerisinde değişebilir. Bu sayfayı zaman zaman ziyaret ederek http://cocuklarima.blogspot.com gizlilik politikasının güncel durumunu öğrenebilirsiniz




http://cocuklarima.blogspot.com bağlantı sağladığı sitelerin içeriği ile herhangi bir yükümlülüğü yoktur ve http://cocuklarima.blogspot.com /gizlilik politikası, bağlantı sağladığı internet sitelerini bağlamaz. Sizlere, ziyaret ettiğiniz tüm sitelerin gizlilik politikalarını okumanızı öneririz.

Norkom Technologies

Established in 1998, Norkom Technologies is a leading provider of financial crime and compliance software solutions to the global financial services industry. We enable financial organizations to detect and combat financial crime, control defenses and evolve strategies against fraud, money laundering and other types of financial crime.
Deployed in more than 100 countries across four continents, our financial crime and compliance solutions monitor millions of transactions a day for global financial services clients. Our ever-expanding client base includes six of the top ten financial services organizations in the world.
By combining a unique investigative technology platform with deep domain expertise and extensive client experience, Norkom has established a solid track record of reducing financial losses, protecting users’ reputations and improving operational efficiencies.
Norkom has been recognized as market leader by industry commentators such as Celent, who described Norkom as “one of the few vendors that offer a comprehensive product suite that provides all essential components of an AML compliance solution.”
Named Vendor of the Year by Compliance Reporter in 2008, Norkom has received many industry accolades spanning the spectrum of Anti-Money Laundering and Fraud, such as: ‘Best AML Solution’ in Banking Technology’s Readers’ Choice Awards for two years running (2008 and 2007) and ‘Best Technology Solution’ in Complinet’s compliance awards.
In June 2006, Norkom became a publicly quoted company on the Irish Stock Exchange (IEX: NORK.IE) and London Stock Exchange (AIM: NORK:L) following a successful IPO and supported by several years of significant revenue growth and constant profitability. These listings paved the way for the acquisition of US-based Digital Harbor in July 2007, which further extended the company’s footprint into the North American marketplace. In 2007, Norkom entered the Asia-Pacific financial crime and compliance market, becoming the dominant leader in Australia within a 12 month period.
On 11 November 2008, the company announced its half-year interim results to September 30, 2008, reporting a 37% increase in revenue and a 30% improvement in EBITDA. In the same month, Norkom joined the ranks of the world's top 100 providers of Financial Technology in the Fintech 100 rankings as a result of strong revenue and increasing market share in the battle against financial crime.Norkom is headquartered in Dublin, Ireland, with operations and offices across Continental Europe, North America and Asia-Pacific. s a leading provider of financial crime and compliance software solutions to the global financial services industry. We enable financial organizations to detect and combat financial crime, control defenses and evolve strategies against fraud, money laundering and other types of financial crime.
Deployed in more than 100 countries across four continents, our financial crime and compliance solutions monitor millions of transactions a day for global financial services clients. Our ever-expanding client base includes six of the top ten financial services organizations in the world.
By combining a unique investigative technology platform with deep domain expertise and extensive client experience, Norkom has established a solid track record of reducing financial losses, protecting users’ reputations and improving operational efficiencies.
Norkom has been recognized as market leader by industry commentators such as Celent, who described Norkom as “one of the few vendors that offer a comprehensive product suite that provides all essential components of an AML compliance solution.”
Named Vendor of the Year by Compliance Reporter in 2008, Norkom has received many industry accolades spanning the spectrum of Anti-Money Laundering and Fraud, such as: ‘Best AML Solution’ in Banking Technology’s Readers’ Choice Awards for two years running (2008 and 2007) and ‘Best Technology Solution’ in Complinet’s compliance awards.
In June 2006, Norkom became a publicly quoted company on the Irish Stock Exchange (IEX: NORK.IE) and London Stock Exchange (AIM: NORK:L) following a successful IPO and supported by several years of significant revenue growth and constant profitability. These listings paved the way for the acquisition of US-based Digital Harbor in July 2007, which further extended the company’s footprint into the North American marketplace. In 2007, Norkom entered the Asia-Pacific financial crime and compliance market, becoming the dominant leader in Australia within a 12 month period.
On 11 November 2008, the company announced its half-year interim results to September 30, 2008, reporting a 37% increase in revenue and a 30% improvement in EBITDA. In the same month, Norkom joined the ranks of the world's top 100 providers of Financial Technology in the Fintech 100 rankings as a result of strong revenue and increasing market share in the battle against financial crime.Norkom is headquartered in Dublin, Ireland, with operations and offices across Continental Europe, North America and Asia-Pacific.