arzum ve ben
18/2/2009 · Kategori: hayata dair
buda benim biriciğim sizlerin adardil blogcu olarak tanıdığı benim canım arkadaşım ARZUM(kankam
)hani bazen sinirli olursunuz yada ne bileyim birileri benim nazımı çeksin istersiniz ya işte benim arkadaşım da hep böyledir
günler yaklaştıkca çok çok üzülüyorum malum tayin zamanı ayrılık zamanı biliyorum
Arzum dan ayrılmak beni çok üzecekumarım kader bizi tekrar aynı şehir de
yıllar sonra da olsa birleştirir...
canım ARZU 'm seniçokkkkkk seviyorummmmmm.Canım kankammmmm benimm
Dakota Mass Flow Meters
17/2/2009 · Kategori: TEKNOLOJİ
Dakota Instruments, Inc. ("Dakota") Privacy Policy
Dakota is committed to protecting your privacy. That is because we base our business on the trust you place in us. This policy describes our practices regarding personal and account information collected through our Web site. In this policy, "personal and account information" means your name, company name, account number, address, telephone number, and e-mail address plus other information that personally identifies you, including your industry, the number of employees at your company, and purchase history, and "we" and "us" means Dakota as well as its affiliated companies.
We reserve the right to modify this privacy policy from time to time. You should visit our Web site periodically to review any changes.
How much information must I share?
The amount and type of information we collect from you depends on your activities and use of our Web site. Below, we explain what information we collect.
When you browse our Web site
- IP address - We collect your IP address to measure our Web site traffic and to help provide a relevant shopping experience. [IP addresses are the way computers are identified over networks, including the Internet. They are unique 32-bit numeric addresses. You'll see them written as groups of four numbers with periods separating each set. IP addresses act as unique identifiers of individual computers.]
- Referral Web site - If you come to our Web site via a link, we collect the location of the link that referred you.
- Browser type - We collect information about the browser you are using to help optimize our Web site for visitors.
- Movements through our Web site - We keep track of pages you visit to help provide you with a more personalized shopping experience.
KİVİLİ PASTA TARİFİ
5/2/2009 · Kategori: mutfakmacerasi
MALZEMELER
500GR BÜSKİVİ
1 PAKET PUDİNG
2 PAKET KREM ŞANTİ
SÜT
YAPILIŞI
PUDİNGİMİZİ PİŞİRELİM.KREM
ŞANTİMİZİ HAZIRLAYIP DOLAPTA
YARIM SAAT BEKLETELİM.BİSKÜVİLERİ
TEKER TEKER PUDİNGE BATIRIP DİK
BİR ŞEKİLDE DİZELİM.ÜSTÜNE KREM
ŞANTİMİZİ YAYALIM KİVİ İLE
SÜSLİYELİM .
AFİYET OLSUN.
KYC compliance
2/2/2009 · Kategori: TEKNOLOJİ
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
