{"id":4334,"date":"2026-08-25T17:47:01","date_gmt":"2026-08-25T15:47:01","guid":{"rendered":"https:\/\/eterrapartners.com\/?p=4334"},"modified":"2026-08-25T17:51:53","modified_gmt":"2026-08-25T15:51:53","slug":"sta-je-due-diligence-7","status":"publish","type":"post","link":"https:\/\/eterrapartners.com\/sr\/vesti\/sta-je-due-diligence-7\/","title":{"rendered":"\u0160ta je due diligence?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4334\" class=\"elementor elementor-4334 elementor-4332\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0a20444 e-con-full e-flex e-con e-parent\" data-id=\"0a20444\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-cf7fab5 e-con-full e-flex e-con e-child\" data-id=\"cf7fab5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8e150ee elementor-widget elementor-widget-heading\" data-id=\"8e150ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Najva\u017enije \u0161to treba zapamtiti:<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c5cad2 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"4c5cad2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Due diligence je strukturisana prethodna provera (audit) koja omogu\u0107ava identifikovanje skrivenih rizika (poreskih obaveza, sudskih sporova, zavisnosti od kupaca, osporavane intelektualne svojine) pre ulaska u akviziciju, prikupljanje sredstava (lev\u00e9e de fonds) ili strate\u0161ko partnerstvo.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Postoji nekoliko komplementarnih vrsta due diligence-a: finansijski, pravni, poreski, komercijalni, tehnolo\u0161ki, ESG, antikorupcijski, kao i due diligence integriteta i reputacije. Obim koji treba pokriti zavisi od prirode i slo\u017eenosti same operacije. <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Ve\u0161ta\u010dka inteligencija transformi\u0161e ovu praksu omogu\u0107avaju\u0107i smanjenje vremena posve\u0107enog analizi dokumenata i do 70%, ali ona ne zamenjuje ljudsku procenu kada su u pitanju osetljive ta\u010dke.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Calendrier 2026-2027 : le nouveau paquet europ\u00e9en, avec sa 6e directive et l'autorit\u00e9 AMLA, redessine le cadre d'ici juillet 2027.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-89e79ef e-con-full e-flex e-con e-parent\" data-id=\"89e79ef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1cb839b elementor-widget elementor-widget-heading\" data-id=\"1cb839b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">LCB-FT, c'est quoi ? D\u00e9finition et enjeux du dispositif<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c6e328e e-con-full e-flex e-con e-parent\" data-id=\"c6e328e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9e06f0a elementor-widget elementor-widget-text-editor\" data-id=\"9e06f0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Izraz poti\u010de iz ameri\u010dkog<\/span> <b>engleskog pravnog jezika<\/b><span style=\"font-weight: 400;\">a pro\u0161irio se nakon dono\u0161enja Zakona o hartijama od vrednosti (Securities Act) iz 1933. godine. Na francuskom se koriste izrazi &#8222;diligence raisonnable&#8220; (du\u017ena pa\u017enja), &#8222;audit pr\u00e9alable&#8220; (prethodna provera), &#8222;audit d&#8217;acquisition&#8220; (revizija akvizicije) ili &#8222;v\u00e9rifications n\u00e9cessaires&#8220; (neophodne provere). U poslovnoj praksi, termin se ustalio od 1900-ih godina jer bolje opisuje metodologiju nego jednostavnu, jednokratnu proveru.  <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3da6670 e-con-full e-flex e-con e-child\" data-id=\"3da6670\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cc73d4e elementor-widget elementor-widget-heading\" data-id=\"cc73d4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Poreklo i prevod termina<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e78ab9 elementor-widget elementor-widget-text-editor\" data-id=\"9e78ab9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Due diligence je dobrovoljan postupak pokrenut <\/b><span style=\"font-weight: 400;\">na inicijativu kompanije ili investitora<\/span>. <b>Sa druge strane, &#8222;devoir de vigilance&#8220; (du\u017enost pa\u017enje) je zakonska obaveza proistekla<\/b><span style=\"font-weight: 400;\"> iz francuskog zakona od 27. marta 2017. godine, koja se name\u0107e velikim kompanijama sa vi\u0161e od 5.000 zaposlenih u Francuskoj. Ova dva koncepta se prepli\u0107u, ali se ne sastoje od istih elemenata. Glavne povezane zakonske obaveze:  <\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Zakon Sapin II: spre\u010davanje korupcije i kontrola tre\u0107ih lica.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">GDPR: za\u0161tita podataka i upravljanje obradom podataka.<br\/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Du\u017enost pa\u017enje (Devoir de vigilance): identifikovanje povreda osnovnih prava.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">CSRD: izve\u0161tavanje o odr\u017eivosti i pouzdanost ESG informacija.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">AI Act: klasifikacija rizika i uskla\u0111enost sistema ve\u0161ta\u010dke inteligencije.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b856e6 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6b856e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c1a7d0 elementor-widget elementor-widget-image\" data-id=\"4c1a7d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"518\" src=\"https:\/\/eterrapartners.com\/wp-content\/uploads\/1-2.webp\" class=\"attachment-large size-large wp-image-4351\" alt=\"\u00e9change de billet montrant le blanchiment de capitaux et le financement du terrorisme\" srcset=\"https:\/\/eterrapartners.com\/wp-content\/uploads\/1-2.webp 850w, https:\/\/eterrapartners.com\/wp-content\/uploads\/1-2-300x194.webp 300w, https:\/\/eterrapartners.com\/wp-content\/uploads\/1-2-768x497.webp 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a41016d e-con-full e-flex e-con e-child\" data-id=\"a41016d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-11283cb elementor-widget elementor-widget-heading\" data-id=\"11283cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Identifikovanje skrivenih rizika pre dono\u0161enja odluke<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd68313 elementor-widget elementor-widget-text-editor\" data-id=\"cd68313\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Zvani\u010dni dokumenti pru\u017eaju korisnu, ali nepotpunu sliku<\/b><span style=\"font-weight: 400;\">. Duboki proces due diligence-a otkriva poreske obaveze, radne sporove, vanbilansne dugove, zavisnost od jednog kupca, osporavanu intelektualnu svojinu ili sistem ve\u0161ta\u010dke inteligencije koji je van regulatornog okvira. Najskuplji rizici se uo\u010davaju tek kroz unakrsnu analizu dokumenata i intervjue, a retko iz spontanih izjava.<br\/> <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d4b9153 elementor-widget elementor-widget-heading\" data-id=\"d4b9153\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Les origines historiques du dispositif LCB-FT<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fad06e3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"fad06e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e06aca7 elementor-widget elementor-widget-text-editor\" data-id=\"e06aca7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Tout commence avec la premi\u00e8re directive europ\u00e9enne de 1991, centr\u00e9e sur le blanchiment d&#8217;argent. Le champ s&#8217;\u00e9largit ensuite au financement du terrorisme, puis s&#8217;affine directive apr\u00e8s directive. Ce mouvement s&#8217;appuie sur les recommandations du GAFI, cr\u00e9\u00e9 en 1989. Depuis, la r\u00e9glementation n&#8217;a cess\u00e9 de se renforcer.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba9d8fa elementor-widget elementor-widget-heading\" data-id=\"ba9d8fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Le cadre r\u00e9glementaire LCB-FT en France et en Europe<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5601177 e-con-full e-flex e-con e-child\" data-id=\"5601177\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eafe0bc elementor-widget elementor-widget-text-editor\" data-id=\"eafe0bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">La r\u00e9glementation se construit \u00e0 deux niveaux. L&#8217;Europe fixe le cap par des directives et des r\u00e8glements. La France les transpose dans son droit national et en assure le contr\u00f4le. Ce double \u00e9tage explique la richesse du dispositif applicable aux entreprises.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a1f9da elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"7a1f9da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t<div class=\"elementor-cta__bg-wrapper\">\n\t\t\t\t<div class=\"elementor-cta__bg elementor-bg\" style=\"background-image: url(https:\/\/eterrapartners.com\/wp-content\/plugins\/elementor\/assets\/images\/placeholder.png);\" role=\"img\" aria-label=\"\"><\/div>\n\t\t\t\t<div class=\"elementor-cta__bg-overlay\"><\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-content-item elementor-cta__content-item elementor-icon-wrapper elementor-cta__icon elementor-view-default\">\n\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-compass\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tVous souhaitez en savoir plus sur la lutte contre le Blanchiment de capitaux ?\t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tNos experts vous aident \u00e0 \u00e9valuer vos failles et structurer votre dispositif\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item \">\n\t\t\t\t\t<a class=\"elementor-cta__button elementor-button elementor-size-\" href=\"https:\/\/eterrapartners.com\/sr\/kontaktirajte-eterra-partnere\/\">\n\t\t\t\t\t\tDemander un diagnostic gratuit\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-29a30f0 e-con-full e-flex e-con e-child\" data-id=\"29a30f0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-707a818 elementor-widget elementor-widget-heading\" data-id=\"707a818\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Osiguravanje procene vrednosti i pregovaranje na osnovu ta\u010dnih informacija<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fdc722 elementor-widget elementor-widget-text-editor\" data-id=\"8fdc722\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Finansijski due diligence omogu\u0107ava prilago\u0111avanje cene ukoliko se identifikuju rizici. On tako\u0111e slu\u017ei za strukturisanje klauzula o garanciji aktive i pasive (garantie d&#8217;actif et de passif), koje \u0161tite kupca u slu\u010daju naknadnog otkrivanja problema koji je nastao pre transakcije. On pretvara intuiciju u   <\/span><b>\u010dvrstu osnovu za pregovore.<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb9a30d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"bb9a30d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-529e0a9 e-con-full e-flex e-con e-child\" data-id=\"529e0a9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f8629e elementor-widget elementor-widget-heading\" data-id=\"4f8629e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Les directives europ\u00e9ennes LCB-FT (4e, 5e et 6e)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae33d1f elementor-widget elementor-widget-text-editor\" data-id=\"ae33d1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Sa AI Act-om, CSRD-om i du\u017eno\u0161\u0107u pa\u017enje (devoir de vigilance), due diligence postaje <\/span><b>refleks dobrog upravljanja<\/b><span style=\"font-weight: 400;\">, a ne samo alat za M&#038;A. Da bi se ovaj postupak strukturisao i izbegle slepe mrlje, oslanjanje na <\/span> <a href=\"https:\/\/eterrapartners.com\/sr\/nasa-strucnost-o-uskladjenosti\/korporativno-upravljanje\/\"> konsultantsku ku\u0107u za uskla\u0111enost<\/a><span style=\"font-weight: 400;\"> omogu\u0107ava povezivanje regulatornih zahteva i njihove primene.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-895a6d5 e-flex e-con-boxed e-con e-child\" data-id=\"895a6d5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fd92d05 elementor-widget elementor-widget-image\" data-id=\"fd92d05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"437\" src=\"https:\/\/eterrapartners.com\/wp-content\/uploads\/Design-sans-titre-2026-05-04T183500.916-1024x559.jpg\" class=\"attachment-large size-large wp-image-3366\" alt=\"Zastava Evrope\" srcset=\"https:\/\/eterrapartners.com\/wp-content\/uploads\/Design-sans-titre-2026-05-04T183500.916-1024x559.jpg 1024w, https:\/\/eterrapartners.com\/wp-content\/uploads\/Design-sans-titre-2026-05-04T183500.916-300x164.jpg 300w, https:\/\/eterrapartners.com\/wp-content\/uploads\/Design-sans-titre-2026-05-04T183500.916-768x419.jpg 768w, https:\/\/eterrapartners.com\/wp-content\/uploads\/Design-sans-titre-2026-05-04T183500.916.jpg 1408w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-50b73ba e-con-full e-flex e-con e-child\" data-id=\"50b73ba\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e397c4c elementor-widget elementor-widget-heading\" data-id=\"e397c4c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">L'AMLA : la nouvelle autorit\u00e9 europ\u00e9enne anti-blanchiment<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d85bcd1 elementor-widget elementor-widget-text-editor\" data-id=\"d85bcd1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">C&#8217;est la grande nouveaut\u00e9 du paquet 2024. L&#8217;AMLA, ou Autorit\u00e9 de lutte contre le blanchiment de capitaux, a \u00e9t\u00e9 cr\u00e9\u00e9e par le r\u00e8glement UE 2024\/1620. Install\u00e9e \u00e0 Francfort, elle a d\u00e9marr\u00e9 ses activit\u00e9s en juillet 2025.<\/span><b> Sa mission est double : superviser directement une quarantaine de grands acteurs transfrontaliers et coordonner les autorit\u00e9s nationales.<\/b><\/p><p><span style=\"font-weight: 400;\">En France, l&#8217;ACPR et l&#8217;AMF restent les superviseurs de la grande majorit\u00e9 des assujettis. Le nouveau cadre europ\u00e9en s&#8217;appliquera pleinement au 10 juillet 2027, et la supervision directe de l&#8217;AMLA d\u00e9butera au 1\u1d49\u02b3 janvier 2028.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6eebbe2 elementor-widget elementor-widget-heading\" data-id=\"6eebbe2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Les origines historiques du dispositif LCB-FT<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76f177f elementor-widget elementor-widget-text-editor\" data-id=\"76f177f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">La question revient sans cesse, et la r\u00e9ponse surprend souvent. Le p\u00e9rim\u00e8tre des obligations d\u00e9passe largement le seul secteur bancaire. En France, cinquante professions y sont soumises.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dd821c4 e-con-full e-flex e-con e-child\" data-id=\"dd821c4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-85672c4 elementor-widget elementor-widget-heading\" data-id=\"85672c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Les professions financi\u00e8res traditionnellement assujetties<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67dcda8 elementor-widget elementor-widget-text-editor\" data-id=\"67dcda8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Finansijski due diligence:<\/b><span style=\"font-weight: 400;\"> najstariji i naj\u010de\u0161\u0107e primenjivani oblik. Analizira ra\u010dune, bilanse, prognoze, tokove gotovine, obrtna sredstva i EBITDA kako bi se proverilo da li je prikazana profitabilnost odr\u017eiva. <\/span><\/p><p><b>Pravni due diligence:<\/b><span style=\"font-weight: 400;\"> : pokriva ugovore, statute, teku\u0107e sporove, licence i regulatornu uskla\u0111enost. Posebno se oslanja na \u010dlan 1112-1 Francuskog gra\u0111anskog zakonika koji se odnosi na predugovornu obavezu informisanja, \u0161to je od presudnog zna\u010daja u visoko ugovorenim operacijama. <\/span><\/p><p><b>Poreski i radno-pravni due diligence<\/b><span style=\"font-weight: 400;\"> : provera poreskih prijava, kontrola URSSAF-a, sporova pred sudovima za radne sporove i uskla\u0111enosti obra\u010duna zarada. Kompanija mo\u017ee prikazivati dobre rezultate, a da istovremeno nosi zna\u010dajan skriveni radno-pravni rizik. <\/span><\/p><p><b>Komercijalni i strate\u0161ki due diligence<\/b><span style=\"font-weight: 400;\"> : prou\u010dava tr\u017ei\u0161te, portfolio kupaca, konkurenciju i poslovni model. Centralno pitanje: da li je najavljeni rast kredibilan? Neophodan je kada se procena vrednosti vi\u0161e zasniva na komercijalnom obe\u0107anju nego na materijalnoj imovini  <\/span><\/p><p><b>Tehnolo\u0161ki i sajber-bezbednosni due diligence<\/b><span style=\"font-weight: 400;\"> : odnosi se na IT infrastrukturu, izvorni kod, bezbednost podataka i rizike od tehnolo\u0161ke zavisnosti. U tehnolo\u0161kim kompanijama ovaj proces postaje podjednako strate\u0161ki va\u017ean kao i finansijska revizija.<br\/> <\/span><\/p><p><b>ESG due diligence<\/b><span style=\"font-weight: 400;\"> : u stalnom porastu pod uticajem CSRD i CS3D direktiva, strukturisan je oko tri stuba: za\u0161tita \u017eivotne sredine, dru\u0161tvena odgovornost i upravljanje. Nezaobilazan je prilikom prikupljanja sredstava, strate\u0161kih partnerstava i javnih ugovora. <\/span><\/p><p><b>Antikorupcijski due diligence (<a href=\"https:\/\/eterrapartners.com\/sr\/vesti\/zakon-sapen-2-potpuni-vodic\/\">Zakon Sapin II<\/a>)<\/b><span style=\"font-weight: 400;\"> : za organizacije sa vi\u0161e od 500 zaposlenih i 100 miliona evra prometa. Zasnovan je na pet stubova: procena tre\u0107ih lica, kodeks pona\u0161anja, obuka, sistem uzbunjivanja i ra\u010dunovodstvene kontrole. <\/span><\/p><p><b>Due diligence integriteta (Integrity Due Diligence)<\/b><span style=\"font-weight: 400;\"> : duboka provera integriteta tre\u0107e strane: rukovodilaca, akcionara, stvarnih vlasnika (b\u00e9n\u00e9ficiaires effectifs), politi\u010dkih veza, sudske pro\u0161losti i rizika od korupcije ili prevare. Omogu\u0107ava potpuno svesno dono\u0161enje odluke o tome da li stupiti u poslovni odnos sa klijentom, dobavlja\u010dem, partnerom ili metom M&#038;A operacije. Pru\u017ea vam elemente za opravdanje va\u0161ih odluka pred regulatorima, bankama i investitorima.  <\/span><\/p><p><b>Reputacioni due diligence (Reputational Due Diligence):<\/b><span style=\"font-weight: 400;\"> : analiza reputacije tre\u0107e strane kroz medijsku pokrivenost, sankcije, ESG kontroverze i percepciju zainteresovanih strana (parties prenantes). Cilj: otkrivanje rizika koji bi mogli da uti\u010du na imid\u017e i kredibilitet va\u0161e sopstvene organizacije. Ovo je tako\u0111e i komercijalni argument: dokazujete svojim klijentima i partnerima da smanjujete njihov rizik od povezivanja sa skandalom ili problemati\u010dnim akterom.  <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9264c83 e-con-full e-flex e-con e-child\" data-id=\"9264c83\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dfdc96c elementor-widget elementor-widget-heading\" data-id=\"dfdc96c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Les professions non financi\u00e8res et les nouveaux entrants<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48df5c7 elementor-widget elementor-widget-text-editor\" data-id=\"48df5c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Le p\u00e9rim\u00e8tre s&#8217;est nettement \u00e9largi. Notaires, avocats, experts-comptables, agents immobiliers, casinos ou soci\u00e9t\u00e9s de domiciliation sont d\u00e9sormais concern\u00e9s. Le paquet europ\u00e9en de 2024 y ajoute de nouveaux entrants, comme les acteurs du luxe. Ce secteur a d&#8217;ailleurs vu ses signalements bondir de 254 % en un an, m\u00eame s&#8217;il reste en retrait du flux global.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ebe8c54 e-con-full e-flex e-con e-parent\" data-id=\"ebe8c54\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-26780df e-con-full e-flex e-con e-child\" data-id=\"26780df\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bc14254 elementor-widget elementor-widget-heading\" data-id=\"bc14254\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">PME et ETI : quand la LCB-FT s'applique \u00e0 vous<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9242e66 elementor-widget elementor-widget-text-editor\" data-id=\"9242e66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Beaucoup de dirigeants de PME et d&#8217;ETI pensent le sujet r\u00e9serv\u00e9 aux grandes banques. C&#8217;est une erreur fr\u00e9quente. <\/span><b>D\u00e8s qu&#8217;une activit\u00e9 touche au conseil, au cr\u00e9dit, \u00e0 l&#8217;investissement ou \u00e0 certaines transactions, la r\u00e9glementation peut s&#8217;appliquer<\/b><span style=\"font-weight: 400;\">. Un dispositif adapt\u00e9 devient alors indispensable. Faire appel \u00e0 un<\/span><a href=\"https:\/\/eterrapartners.com\/expertises\/deploiement-compliance\/\"> <span style=\"font-weight: 400;\">cabinet de conformit\u00e9<\/span><\/a><span style=\"font-weight: 400;\"> permet de clarifier votre situation. Vous b\u00e2tissez ainsi un dispositif LCB-FT proportionn\u00e9 \u00e0 votre exposition r\u00e9elle, sans alourdir vos processus internes.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-307545d elementor-widget elementor-widget-image\" data-id=\"307545d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"518\" src=\"https:\/\/eterrapartners.com\/wp-content\/uploads\/2-5.webp\" class=\"attachment-large size-large wp-image-4350\" alt=\"PME TPE concern\u00e9 par la lutte contre le blanchiment d&apos;argent\" srcset=\"https:\/\/eterrapartners.com\/wp-content\/uploads\/2-5.webp 850w, https:\/\/eterrapartners.com\/wp-content\/uploads\/2-5-300x194.webp 300w, https:\/\/eterrapartners.com\/wp-content\/uploads\/2-5-768x497.webp 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca91349 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"ca91349\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21ba6a2 elementor-widget elementor-widget-heading\" data-id=\"21ba6a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">La classification des risques LCB-FT : m\u00e9thode et \u00e9tapes\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7db5c92 elementor-widget elementor-widget-text-editor\" data-id=\"7db5c92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Toute la logique moderne du dispositif repose sur une id\u00e9e simple : tous les clients ne pr\u00e9sentent pas le m\u00eame risque. La classification des risques consiste donc \u00e0 \u00e9valuer chaque situation pour adapter le niveau de vigilance. C&#8217;est le socle de tout dispositif efficace.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-418842a e-con-full e-flex e-con e-child\" data-id=\"418842a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a5260f5 elementor-widget elementor-widget-heading\" data-id=\"a5260f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Pourquoi classifier les risques LCB-FT est indispensable\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d370c5b elementor-widget elementor-widget-text-editor\" data-id=\"d370c5b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Sans classification, impossible de concentrer ses efforts l\u00e0 o\u00f9 ils comptent. Cette cartographie <\/span><b>permet d&#8217;allouer les bonnes ressources aux bons risques. <\/b><span style=\"font-weight: 400;\">Elle \u00e9vite de traiter de la m\u00eame fa\u00e7on un client local connu et une structure opaque bas\u00e9e dans un pays tiers. C&#8217;est aussi une obligation r\u00e9glementaire, contr\u00f4l\u00e9e par les autorit\u00e9s.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19aa4e0 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"19aa4e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ae09d04 e-con-full e-flex e-con e-child\" data-id=\"ae09d04\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-020416e elementor-widget elementor-widget-heading\" data-id=\"020416e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Les 4 axes d'analyse : client, produit, canal, zone g\u00e9ographique<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-364f3e2 elementor-widget elementor-widget-text-editor\" data-id=\"364f3e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">L&#8217;\u00e9valuation s&#8217;appuie sur quatre axes compl\u00e9mentaires :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Le premier concerne le client : son profil, son activit\u00e9, son statut de personne politiquement expos\u00e9e \u00e9ventuel. Cette v\u00e9rification men\u00e9e en amont porte un nom, la<\/span><a href=\"https:\/\/eterrapartners.com\/actualites\/quest-ce-que-la-due-diligence\/\"> <span style=\"font-weight: 400;\">due diligence<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Le deuxi\u00e8me porte sur le produit ou le service.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Le troisi\u00e8me examine le canal de distribution, notamment la relation \u00e0 distance.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Le dernier vise la zone g\u00e9ographique et l&#8217;exposition \u00e0 des pays tiers \u00e0 haut risque.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba11dcf elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"ba11dcf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9371580 e-con-full e-flex e-con e-child\" data-id=\"9371580\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58dc4b7 elementor-widget elementor-widget-heading\" data-id=\"58dc4b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Les 3 niveaux de vigilance : simplifi\u00e9e, standard, renforc\u00e9e\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-457b835 e-grid e-con-full e-con e-child\" data-id=\"457b835\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3ed0d3a e-grid e-con-full e-con e-child\" data-id=\"3ed0d3a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46e5a16 elementor-widget elementor-widget-heading\" data-id=\"46e5a16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">La vigilance simplifi\u00e9e s'applique aux situations \u00e0 faible risque.\n<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1ae78a3 e-grid e-con-full e-con e-child\" data-id=\"1ae78a3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6c2a23c elementor-widget elementor-widget-heading\" data-id=\"6c2a23c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">La vigilance standard constitue le r\u00e9gime de droit commun.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a08f3d0 e-grid e-con-full e-con e-child\" data-id=\"a08f3d0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-419bf08 elementor-widget elementor-widget-heading\" data-id=\"419bf08\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">La vigilance renforc\u00e9e s'impose face aux risques \u00e9lev\u00e9s, par exemple pour une personne politiquement expos\u00e9e ou une relation d'affaires complexe.\n<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a3b47d elementor-widget elementor-widget-text-editor\" data-id=\"5a3b47d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u00c0 chaque niveau correspondent des mesures proportionn\u00e9es.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f2a369 elementor-widget elementor-widget-heading\" data-id=\"9f2a369\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Les obligations op\u00e9rationnelles du dispositif LCB-FT<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15738a7 elementor-widget elementor-widget-text-editor\" data-id=\"15738a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Une fois les risques class\u00e9s, place \u00e0 l&#8217;action. Le dispositif repose sur trois obligations op\u00e9rationnelles majeures. Elles forment une cha\u00eene coh\u00e9rente, de l&#8217;entr\u00e9e en relation jusqu&#8217;au signalement des anomalies.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9d6f3d1 e-con-full e-flex e-con e-child\" data-id=\"9d6f3d1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1839569 elementor-widget elementor-widget-heading\" data-id=\"1839569\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">L'identification et la connaissance client (KYC)\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe6a0f7 elementor-widget elementor-widget-text-editor\" data-id=\"fe6a0f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Tout commence par la connaissance du client, ou KYC pour \u00ab Know Your Customer \u00bb. Avant d&#8217;entrer en relation d&#8217;affaires, <\/span><b>l&#8217;entreprise doit v\u00e9rifier l&#8217;identit\u00e9 de son client et identifier le b\u00e9n\u00e9ficiaire effectif r\u00e9el.<\/b><span style=\"font-weight: 400;\"> La connaissance du client se poursuit ensuite tout au long de la relation.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9365a00 e-con-full e-flex e-con e-child\" data-id=\"9365a00\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-72f7166 elementor-widget elementor-widget-heading\" data-id=\"72f7166\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">La surveillance continue des op\u00e9rations<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8ce45c elementor-widget elementor-widget-text-editor\" data-id=\"f8ce45c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Conna\u00eetre son client ne suffit pas. Il faut ensuite exercer une vigilance constante sur ses op\u00e9rations. <\/span><b>L&#8217;objectif est de rep\u00e9rer les transactions inhabituelles ou incoh\u00e9rentes avec le profil connu.<\/b><span style=\"font-weight: 400;\"> Cette surveillance s&#8217;appuie de plus en plus sur des outils automatis\u00e9s. L&#8217;essor de l&#8217;intelligence artificielle soul\u00e8ve toutefois de nouveaux enjeux. Un<\/span><a href=\"https:\/\/eterrapartners.com\/expertises\/conformite-ia-act\/\"> <span style=\"font-weight: 400;\">cabinet de conformit\u00e9 en IA Act<\/span><\/a><span style=\"font-weight: 400;\"> peut vous \u00e9clairer sur ce point. Notre<\/span><a href=\"https:\/\/eterrapartners.com\/actualites\/ia-act-guide-complet-pme-eti\/\"> <span style=\"font-weight: 400;\">guide de l&#8217;IA Act<\/span><\/a><span style=\"font-weight: 400;\"> d\u00e9taille ces implications pour les PME et ETI.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3ec7517 e-con-full e-flex e-con e-child\" data-id=\"3ec7517\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e58d780 elementor-widget elementor-widget-heading\" data-id=\"e58d780\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">La d\u00e9claration de soup\u00e7on aupr\u00e8s de Tracfin<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19959b0 elementor-widget elementor-widget-text-editor\" data-id=\"19959b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Dernier maillon de la cha\u00eene, la d\u00e9claration de soup\u00e7on. Tracfin est la cellule de renseignement financier fran\u00e7aise, rattach\u00e9e au minist\u00e8re de l&#8217;\u00c9conomie. <\/span><b>Tout assujetti qui soup\u00e7onne un lien avec le blanchiment ou le financement du terrorisme doit lui adresser une d\u00e9claration<\/b><span style=\"font-weight: 400;\">. Fait rassurant : une d\u00e9claration faite de bonne foi n&#8217;engage pas la responsabilit\u00e9 du d\u00e9clarant.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0a046c5 e-con-full e-flex e-con e-parent\" data-id=\"0a046c5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f443e8 elementor-widget elementor-widget-heading\" data-id=\"5f443e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">La formation LCB-FT : une obligation l\u00e9gale \u00e0 ne pas n\u00e9gliger<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cba814e elementor-widget elementor-widget-text-editor\" data-id=\"cba814e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">On l&#8217;oublie souvent, mais la formation LCB-FT n&#8217;est pas une option. C&#8217;est une obligation l\u00e9gale inscrite dans le Code mon\u00e9taire et financier. Un dispositif ne vaut que par les personnes qui le font vivre au quotidien.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e3ebcbf elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e3ebcbf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-535cb23 e-con-full e-flex e-con e-child\" data-id=\"535cb23\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f81e8e elementor-widget elementor-widget-heading\" data-id=\"4f81e8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Qui doit \u00eatre form\u00e9 \u00e0 la LCB-FT dans l'entreprise<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c02be8d elementor-widget elementor-widget-text-editor\" data-id=\"c02be8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">La formation LCB-FT obligatoire concerne tous les collaborateurs expos\u00e9s aux risques. Sont vis\u00e9s <\/span><b>en priorit\u00e9 les \u00e9quipes en contact avec la client\u00e8le et les fonctions de conformit\u00e9.<\/b><span style=\"font-weight: 400;\"> Chaque salari\u00e9 a un r\u00f4le \u00e0 jouer dans la d\u00e9tection des op\u00e9rations suspectes. La responsabilisation individuelle est au c\u0153ur du dispositif.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc2d7e4 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"fc2d7e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d93aa30 e-con-full e-flex e-con e-child\" data-id=\"d93aa30\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-be5e390 elementor-widget elementor-widget-heading\" data-id=\"be5e390\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Le contenu obligatoire d'une formation LCB-FT<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66b56d9 elementor-widget elementor-widget-text-editor\" data-id=\"66b56d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Une formation utile explique le cadre r\u00e9glementaire, les typologies de blanchiment et les signaux d&#8217;alerte. Elle <\/span><b>d\u00e9taille les proc\u00e9dures internes de vigilance et de d\u00e9claration.<\/b><span style=\"font-weight: 400;\"> L&#8217;objectif est de savoir r\u00e9agir face \u00e0 une situation r\u00e9elle.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d2ba0e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2d2ba0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-985bca2 e-con-full e-flex e-con e-child\" data-id=\"985bca2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e487e71 elementor-widget elementor-widget-heading\" data-id=\"e487e71\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Certification, e-learning et format pr\u00e9sentiel<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b3f02c elementor-widget elementor-widget-text-editor\" data-id=\"4b3f02c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Plusieurs formats coexistent selon les besoins :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Le e-learning offre souplesse et tra\u00e7abilit\u00e9, pr\u00e9cieuses en cas de contr\u00f4le.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Le pr\u00e9sentiel favorise les \u00e9changes et l&#8217;\u00e9tude de cas concrets.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Une certification LCB-FT peut venir valoriser les comp\u00e9tences acquises.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-648b9b2 elementor-widget elementor-widget-heading\" data-id=\"648b9b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Se mettre en conformit\u00e9 LCB-FT : notre m\u00e9thodologie\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a4deade elementor-widget elementor-widget-text-editor\" data-id=\"a4deade\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">La conformit\u00e9 peut sembler intimidante. Bien men\u00e9e, elle devient pourtant un projet structurant et ma\u00eetris\u00e9. Notre approche se d\u00e9roule en trois \u00e9tapes claires, pens\u00e9es pour vous faire gagner du temps.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d061cbd e-con-full e-flex e-con e-child\" data-id=\"d061cbd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4515ed8 e-grid e-con-full e-con e-child\" data-id=\"4515ed8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5a7c23e e-grid e-con-full e-con e-child\" data-id=\"5a7c23e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49be5c9 elementor-widget elementor-widget-heading\" data-id=\"49be5c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Cartographier vos risques LCB-FT\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0f3cb9 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"d0f3cb9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-slack-hash\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u00c9tape 1<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6cbd45 elementor-widget elementor-widget-text-editor\" data-id=\"f6cbd45\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Tout part d&#8217;un \u00e9tat des lieux pr\u00e9cis. Nous analysons votre activit\u00e9, vos clients, vos canaux et votre exposition g\u00e9ographique. Cette cartographie identifie vos risques r\u00e9els et les \u00e9carts avec la r\u00e9glementation. Elle constitue la base de tout le dispositif \u00e0 venir.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-471249f e-grid e-con-full e-con e-child\" data-id=\"471249f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-73c3dee elementor-widget elementor-widget-heading\" data-id=\"73c3dee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">D\u00e9ployer un dispositif LCB-FT sur-mesure<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-295e6d8 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"295e6d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-slack-hash\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u00c9tape 2<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ee7094 elementor-widget elementor-widget-text-editor\" data-id=\"5ee7094\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Vient ensuite la construction op\u00e9rationnelle. Nous vous aidons \u00e0<\/span><b> mettre en place des proc\u00e9dures de vigilance, un processus de d\u00e9claration et les outils adapt\u00e9s<\/b><span style=\"font-weight: 400;\">. Chaque mesure est proportionn\u00e9e \u00e0 votre profil de risque. L&#8217;objectif est un dispositif solide, mais fluide, qui prot\u00e8ge sans paralyser votre activit\u00e9.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3b6b2a7 e-grid e-con-full e-con e-child\" data-id=\"3b6b2a7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2aed6bb e-grid e-con-full e-con e-child\" data-id=\"2aed6bb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-363382b elementor-widget elementor-widget-heading\" data-id=\"363382b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Piloter et faire \u00e9voluer votre programme\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab71004 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ab71004\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-slack-hash\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u00c9tape 3<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-963af8d elementor-widget elementor-widget-text-editor\" data-id=\"963af8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">La conformit\u00e9 n&#8217;est jamais fig\u00e9e. Les risques \u00e9voluent, la r\u00e9glementation aussi, comme le montre le calendrier europ\u00e9en 2027.<\/span><b> Nous vous accompagnons dans le pilotage continu de votre programme et la formation de vos \u00e9quipes<\/b><span style=\"font-weight: 400;\">. Concr\u00e8tement,<\/span><a href=\"https:\/\/eterrapartners.com\/a-propos\/\"> <span style=\"font-weight: 400;\">l&#8217;expertise Eterra<\/span><\/a><span style=\"font-weight: 400;\"> combine gouvernance et conformit\u00e9 pour ancrer durablement le dispositif. Vous gardez ainsi une longueur d&#8217;avance, sans mobiliser des ressources internes d\u00e9mesur\u00e9es.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8165151 elementor-widget elementor-widget-heading\" data-id=\"8165151\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Anticipez, ne subissez pas la LCB-FT<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8410f1 elementor-widget elementor-widget-text-editor\" data-id=\"e8410f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">La LCB-FT est un pilier de la s\u00e9curit\u00e9 \u00e9conomique et un gage de confiance vis-\u00e0-vis de vos partenaires. Avec le nouveau cadre europ\u00e9en applicable d\u00e8s juillet 2027, mieux vaut anticiper que subir. Structurer aujourd&#8217;hui un dispositif solide, c&#8217;est prot\u00e9ger durablement votre entreprise et sa r\u00e9putation. Nos \u00e9quipes sont l\u00e0 pour vous guider \u00e0 chaque \u00e9tape.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Najva\u017enije \u0161to treba zapamtiti: Due diligence je strukturisana prethodna provera (audit) koja omogu\u0107ava identifikovanje skrivenih rizika (poreskih obaveza, sudskih sporova, zavisnosti od kupaca, osporavane intelektualne svojine) pre ulaska u akviziciju, prikupljanje sredstava (lev\u00e9e de fonds) ili strate\u0161ko partnerstvo. Postoji nekoliko komplementarnih vrsta due diligence-a: finansijski, pravni, poreski, komercijalni, tehnolo\u0161ki, ESG, antikorupcijski, kao i due diligence [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":4351,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"class_list":["post-4334","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vesti"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Due diligence: kompletan vodi\u010d za osiguravanje va\u0161ih strate\u0161kih operacija<\/title>\n<meta name=\"description\" content=\"Due diligence: otkrijte njegove vrste, tok i uticaj ve\u0161ta\u010dke inteligencije kako biste osigurali akvizicije i prikupljanje sredstava\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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