Kontur.Prism

2024

Verification of dual-use goods

In Kontur. Prism added verification of dual-use goods. The developer announced this on September 9, 2024.

Now in the.Prism Kontur, you can check whether the goods exported from Europe belong to dual-use goods.

Dual-use goods can be used for both civilian and defense purposes. We are talking about the use of the product itself or its constituent parts. For example, electronic chips, loom elements, chemicals can potentially be used not only in everyday life or in the civilian industry, but also to create weapons.

These goods are subject to strict control when exporting and importing, especially in the European Union, where their export to Russia under EU Regulation 2021/821 is possible only in a permissive manner.

Manual reconciliation of goods with the list of EU regulation 2021/821 takes a long time. The document is written in technical English, includes numerous scattered notes and does not contain specific product items and codes, which greatly complicates the verification process.

In Kontur. Prism, the verification of dual-use goods was automated by linking the description of product groups with specific goods and their CN codes. The CN code is an 8-digit numeric designation that is used in the EU to identify goods for customs and other purposes.

This functionality allows you to search for goods by name or code, as well as use both parameters at the same time. In addition, the names of goods, the names of all product groups and technical notes are translated into Russian.

For more accurate identification, some products are provided with not only technical notes, but also additional explanations. The product card contains a reference to the regulations, the commodity group and the procedure for export from the territory of the European Union are indicated.

Шаблон:Quote 'author = said Natalia Stupina, analyst at Kontur.Prizmy.

Addition of Russian commodity counter-sanctions check

In Kontur. Prism appeared a check for commodity counter-sanctions of Russia. SKB Kontur announced this on February 5, 2024.

When working with foreign markets, it is important to take into account both foreign restrictions and prohibitions from the Russian Federation. Now in Kontur. Prism you can quickly check goods for Russian counter-sanctions for the export of goods to foreign countries.

Contour. The prism allows users of the service to more fully close scenarios for checking goods under sanctions. Since the summer of 2023, there has been a check for export restrictions from the EU and the United States, and now - for counter-sanctions of Russia. The service checks whether the goods fall under counter-sanctions in accordance with the decisions of the Government of the Russian Federation of 09.03.2022 No. 311, No. 312, No. 313. And instructs in detail under what conditions it can be exported.

If coinciding with the lists of counter-sanctions, the Prism will show until what time the restrictions apply, and to which countries the goods cannot be exported. Will check the conditions of the restriction - in which cases it ceases to work.

Decree No. 311 contains goods prohibited from export to any country. Strictly prohibited - electrical, medical equipment, turbines, gas generators, engines, pumps, burners, boilers, turbines and other goods. Inert gases fell under restrictions for export. To export them from Russia, you need to obtain permission from members of the Government of the Russian Federation.

Resolution No. 312 introduces a permissive procedure for the export of 6 categories of goods from Russia to the countries of the Eurasian Economic Union - Armenia, Belarus, Kazakhstan and Kyrgyzstan. These are agricultural machinery, vehicles, industrial products, telecommunications equipment, geological and geophysical equipment, medical products. To obtain permission to export them, you need to contact the relevant ministry.

Resolution No. 313 prohibits the export of goods to unfriendly countries such as Ukraine, the USA, the states of the European Union, Canada, Japan. The list includes military goods or those that can be used for these purposes: firearms, rocket engines, shell casings, aviation goods, hydraulic boosters and others.

It is important that exceptions are provided in each of the three decrees with counter-sanctions. For example, the removal of goods from lists may be allowed for individual territories, within the framework of customs procedures of a free warehouse or transit of goods, for the purpose of military support or humanitarian assistance.

Restrictions on the export of Russian goods to other countries The Government of the Russian Federation introduced on March 9, 2022 as a response to sanctions unfriendly countries. In early January, they were extended until December 31, 2025. Non-compliance with commodity counter-sanctions of Russia is dangerous in the same way as violations of sanctions restrictions of any country. You can lose goods at the border, get under, penalties get reputational problems, said Natalia Stupina, expert of Kontur.Prisms on legislation in the field of AML/TF.

2023

Availability of client base reconciliation with the list of foreign agents

SKB Kontur announced on August 28, 2023 that Kontur. Prism can quickly check the client base with a list of foreign agents. Amendments to the law on foreign agents of 14.07.2022 No. 255-FZ and the Code of Administrative Offenses of the Russian Federation establish responsibility for their financing and assistance in circumventing restrictions. Therefore, reconciliation of the client base with the list of foreign agents should become a weekly habit. Service Kontur. Prism has added to the web version the possibility of mass verification of customers using the list of foreign agents.

The list of foreign agents on the website of the Ministry of Justice is replenished almost every Friday. New or existing customers may be in it after the next update. The law provides for many restrictions for persons included in the list. Administrative responsibility is now provided for assistance in circumventing restrictions, as well as financing foreign agents. On the fact of violation of the law, the Ministry of Justice may come with a check. For its failure to eliminate within a month, a serious fine threatens - up to 300 thousand rubles.

For example, if a foreign agent turns out to be a participant in public procurement, the organizers of the auction will be considered guilty of violating the law. After all, foreign agents cannot count on state financial support. It is now important for all educational institutions to also check future teachers and lecturers: foreign agents are prohibited from conducting educational activities.

In addition, the amendments clarify that the foreign agent cannot be provided with financial assistance not only from the state budget, but also from private funds. This means that all organizations and individuals need to check customers according to the list of foreign agents.

If there are many customers, manual reconciliation with the list of foreign agents will take a long time. Contour. The prism automatically checks customers for negative lists and updates information as they replenish. Now you can immediately download a list of customers - individuals or legal entities to the service. The result of the matches appears in the bulk check table in the Foreign Agents column. It will be displayed as the number of matched customers with the risk list. Details can be found in the report. It will contain information on the identified persons involved from the list of the Ministry of Justice and the grounds for inclusion with reference to the article of the law.

Everyone needs to state agencies to check clients according to the list of foreign agents: local governments, organizations of all forms of ownership, individuals and persons without. nationalities The law stipulates that not only funding or active assistance to a foreign agent, but also inaction will be considered a violation. If you did not know about the need to check the client for a match with the list and contributed to the foreign agent in circumventing the restrictions, this does not exempt you from liability for the violation, noted Natalia Stupina expert of the project Kontur.Prism.

Increased criteria for identifying country risks

In Kontur. The prism has become more criteria for determining country risks. SKB Kontur announced this on August 3, 2023.

When identifying a client according to the "anti-money laundering" law, the 115-FZ assign him a risk level. One of the important parameters is the country where the founder, leader and beneficiary are registered. Service Kontur. Prism has expanded the list of criteria for checking legal entities according to the list of countries with a high level of risk.

When identifying, the service will check the founder, head and beneficial owner of the company for registration in the country from the list of risky. In case of a match, the Contour Prism will assign an additional scoring score to the client. Their number determines the level of risk.

Now the service will evaluate it more accurately, because there are more criteria for "dangerous" countries. Scoring score will be added if the founder, head, beneficial owner is registered in the country:

• with high drug trafficking;
• with a high level of corruption;
• with a high level of terrorist financing;
• with increased terrorist activity.

In addition to these factors, country risks are affected if the founder, manager, beneficial owner is registered in the territory:

• offshore zones;
• not complying with FATF requirements;
• in respect of which special economic measures are applied in accordance with Federal Law No. 281-FZ of 30.12.2006;
• under UN sanctions approved by the Russian Federation;
• not providing information exchange for tax purposes with the Russian Federation.

Шаблон:Quote 'author = said Svetlana Kirlanova, project manager Kontur.Prizma.

Launch of inspection on import and export sanctions

In Kontur. Prism launched a check on sanctions for the import of goods into Russia and export from the country.

A manual search of the multi-page directives of the sanctions lists of the European Union and the United States is a thing of the past. The prism automatically finds and analyzes information on restrictions on goods, the conditions of their application. Then it summarizes all the data into an understandable table in Russian.

It is increasingly difficult to conduct foreign economic activity under sanctions. If the goods are under restrictions and stuck at customs, trade the company, the sender, and translation bank logicians will suffer. In addition, they may fall under the secondary sanctions of foreign regulators.

Therefore, before concluding a contract with a partner from the EU and the United States, the product must be checked for sanctions on the websites of the regulators of these countries. This will reduce the risks: it will avoid confiscation of goods at the border, the danger of imposing secondary sanctions. And banks through which payments on import-export transactions pass will not be accused of complicity in the outflow of capital abroad.

However, it can take half a day to manually search and reconcile even one item. Prism does it in a few minutes. The service finds all the information needed to make a decision on the possibility of importing or exporting goods:

• coincidence with sanctions lists. You can search both by code and by product name;
• Codes for dual-use items. On EU and US websites, such products are often listed without codes. Prism has codes for these goods: service experts compared them by technical description and name;
• exceptions and conditions of application. For example, restrictions can only be set on a part of an item in a group, or they can be price-dependent. In the original source, these exceptions and product information are indicated in different directives, the Prism will show them in one place;
• a reference to the original source with the original text of the regulatory act, indicating the article and appendix where the product is mentioned.

Шаблон:Quote 'author = said Svetlana Kirlanova, project manager Kontur.Prizma.

2022: Provision of data for the product "Check against lists of suspicious countries, persons and organizations"

On May 12, 2022, Diasoft announced that in partnership with Contour, an ecosystem of business products, it had developed a solution that allows customers to be verified according to international sanctions lists and 115-FZ risk control for banking operations.

Receiving data from Kontur. Prisms, the software product "Checking on lists of suspicious countries, persons and organizations," developed by Diasoft specialists, conducts a comprehensive assessment of client transactions in the bank's IT system. The product "Check against lists of suspicious countries, persons and organizations" is part of the Digital Q.Risk & Compliance development platform. More details here.

2021

Automated Site Inspection Against the Prohibited Resource Registry

In Kontur. The prism is automated to check sites by the registry of prohibited resources. This was announced on December 8, 2021 by SKB Kontur. This opportunity helps to comply with the requirements of the Law "On Countering the Legalization (Laundering) of Proceeds from Crime and Financing of Terrorism" (Law of 115-FZ) and relieves the burden of manually checking the site of each client.

The number of parameters for client identification continues to increase. According to the requirements of the law, before accepting a legal entity or individual entrepreneur for service, it is necessary to check the organization's website. If Roskomnadzor entered it into the Unified Register of Domain Names that contain information prohibited in Russia, you cannot work with the client (clause 15. Article 7 of Law 115-FZ).

The difficulty lies in the fact that the list of banned sites is not in the public domain. To check, you need to use the form on the Roskomnadzor website: manually drive the address into the search bar and wait for the result. When working with a large number of customers at the same time, this procedure turns out to be time-consuming and high-cost.

The opportunity implemented in "Kontur. Prism" (included in the "Kontur" - an ecosystem of products for business) allows you to check in one service window. It is enough for the user to add the site address to the client's questionnaire once, and Prism itself will verify with the registry. If the service finds matches, it will show when and by what decision the site was added to the list of prohibited ones. The information will be included in the client questionnaire, which is also automatically generated by the Prism.

All data is stored in an electronic archive, so when re-checking the client, you do not have to enter the site address again. The prism will immediately check it against the registry of prohibited resources.

The 115-FZ Act introduced the obligation to check licenses (paragraph 15. Article 7 of Law 115-FZ). The capabilities of the Prism help to fulfill this requirement. The service warns if the activities of the organization fall under licensing, and finds data on the issued permits. Thanks to this, the user can quickly decide on cooperation with the client.

Integration with ELMA BPM

SKB Kontur on March 29, 2021 announced that a joint decision to verify customers under the Law 115-FZ with ELMA.

Integration of software products allows you to assess compliance risks automatically, as well as manage customer service solutions in the company's business processes.

The subjects of the Law are 115-FZ obliged to conduct identification clients, reconciliation against special lists and assess risks. Finding and analyzing large volumes information manually slows down work, and with the number of people checked data , the likelihood of errors and associated risks increases. Due to non-compliance with the requirements of the law, they can impose a large fine, suspend activities or deprive the license.

A joint solution between Contour and ELMA helps to automate business processes and reduce routine workloads. When accepting a new client for service, the system instantly downloads the results of identification, verification according to special lists and lists (for example, according to the list of terrorists and extremists, the list of Russian public officials) and 30 sanctions lists, as well as the client's questionnaire.

The results of the audit can be monitored by specialists from different departments of the company in a single management system. Due to this, the process of making decisions on cooperation becomes more transparent and faster. The likelihood of complaints from regulatory authorities is reduced - a ready-made client questionnaire can be saved and presented to the regulator in case of verification.

The decision carries out a risk assessment according to 70 criteria in accordance with AML/TF legislation. Valuation parameters can be configured according to internal organization rules. Monitoring changes in the level of risk on customer lists allows you to promptly notify those responsible about alarms. When stop factors are identified, the system blocks customer transactions in business processes.

Шаблон:Quote 'author = said Olga Smirnova, Project Manager Kontur.Prizma.

Шаблон:Quote 'author = noted Sergei Malykh, Timlid of ELMA Implementation Department.

Add Sanctions Lists

30 foreign sanctions lists are now in the Kontur.Prism. SKB Kontur announced this on February 11, 2021.

Users of the Contour. Prisms can check whether the sanctions restrictions apply to individuals and legal entities with which they cooperate or are preparing to accept for service.

Countries and organizations whose sanctions lists are uploaded to the Contour. Prism:

• European Union, UN, USA, Australia, Canada.
• China, Taiwan, Japan, Hong Kong, Singapore, Lebanon, UAE, South Africa.
• Great Britain Switzerland,,, Belgium Gibraltar,, Germany Jersey Spain Latvia,,,,,,,,. Luxembourg Malta Monaco Netherlands France
• Azerbaijan, Georgia, Kazakhstan, Ukraine.

First of all, companies that work on the international market, as well as branches of foreign organizations operating in Russia, must check their clients according to the sanctions lists.

The risks of cooperation with a client who has come under sanctions depend on the type of activities of the organization and aspects of interaction. Therefore, restrictive measures can be different: from fines to revocation of the license.

Compliance with sanctions requirements is a serious burden on business. The difficulty is that there is no single list of companies that are under sanctions. The regulator of each country draws up its own list and maintains it in the language that is official in this country.

To check whether the sanctions restrictions apply to a legal entity or an individual, it is enough to know his name, TIN or company name. After establishing information about the client, Contour. Prism automatically searches the global sanctions lists. If matches are found, the service shows the name of the sanctions list and the date of inclusion in it.

Checking each client according to the sanctions lists is a huge job that compliance managers must do in order to be sure of the company's business partners. Due to automation, the Contour service. The prism makes it possible to significantly simplify this process, and the degree of detail with which the classification of sanction profiles in the service is performed ensures a high quality of the result. said Olga Smirnova, head of Kontur.Prisms

Add a solution to validate organizations against the "50% rule"

SKB Kontur on January 28, 2021 announced the development of a solution for checking companies under the "50% rule."

This functionality has become available in the Contour service. Now banks and other companies conducting international activities will be able to automate the verification of organizations subject to sanctions, even if the companies themselves or their owners are not on the sanctions lists.

According to the "50% rule," if an individual or legal entity included in the sanctions list owns more than 50% of the company, then the latter is also subject to sanctions. Restrictions also apply to an organization if several of its owners are included in the sanctions lists, and their joint ownership is 50% or more.

Sanctions impose restrictions on foreign economic activity. For example, a bank risks skipping unverified customer transactions. If the company or its owner is sanctioned, the financial institution may be fined or disconnected from the international payment system.

Contour. The prism identifies the ownership structure of the organization and analyzes related parties. If the company under audit is not included in any of the sanctions lists, but the founders of the organization are under sanctions, the service will show this information. The Prism will display the shares of ownership of the company and the sanctions lists on which its owners are included. To verify, it is enough to know only the TIN or the name of the company in Russian or the original language.

For example, blocked person X owns 50% of enterprise A and 50% of enterprise B. Each entity A and B owns 25% of enterprise C. It turns out that C is 50% owned by sanctioned organizations. This means that the C enterprise also falls under sanctions. The prism will show the ownership of each company and the level of risk.

Compliance with the sanctions requirements is a serious burden on the business, which can be removed by automating the processes of checking a business partner. The solution of the Contour. Prisms facilitates the work of compliance managers, helps to minimize sanctions risks and gain confidence in their clients. said Olga Smirnova, head of Kontur.Prisms

Integration with Loginom Analytics Platform

The Russian IT-developers SKB Kontur Loginom and offered a solution for automating the verification and in-depth analysis of client risks. This was announced on January 13, 2021 by SKB Kontur.

The requirements Rosfinmonitoring for market participants were not relaxed even during. pandemics On the contrary, the number of entities obliged to follow the norms of the Federal Law of 07.08.2001 No. 115-FZ has grown.,, Banks insurance investment, leasing and factoring companies, agencies, real estate auditors, legal,, consulting providers communications jewelers, gold miners, online, retailers lottery organizers and bookmakers should check clients and transfer information to Rosfinmonitoring.

In an unstable economy, the risks of default under contracts have increased. Against this background, the role of monitoring the condition of customers and business partners has increased significantly.

Manual verification takes a long time, requires resources and does not insure against errors. When you need to analyze hundreds or thousands of customers, you cannot do without automation.

Integration of Kontur.Prism - a service for analyzing customers under Law No. 115-FZ and the analytical platform Loginom Company allows you to quickly conduct multidimensional screening of the client base and assess the risks of cooperation.

According to the list of TINs of clients, the solution delivers from the Contour service. Prism to the low-code Loginom platform:

• official data identifications legal entities and individuals;
• information on business activities;
• results of passport validation;
• finding in special lists (sanctions, lists of terrorists, distributors of weapons of mass destruction and others).

Loginom collects information from internal customer sources (ERP, ABS, CRM and others) and external data from the Contour. Prisms, allows you to quickly configure different analytical models. The system automatically analyzes and scores customers, which allows you to determine the rating of customers by business indicators and clearly assess the risk when making complex decisions.

Alexey Arustamov, Director of Loginom Company

The Loginom user does not have to know. programming big data A company dimension can set up a data analysis model based on. This helps to save scarce resources IT in the department and significantly speed up decision-making processes. Integration Loginom with Contour. Prism allows you to analyze data taking into account the requirements of the "anti-money laundering" law. "

Svetlana Kirlanova, Expert Kontur.Prisms

Contour. Prism regularly monitors changes in the requirements of Law No. 115-FZ, assesses customer risks according to current regulatory documents and helps to prepare for the audit of the regulator. The integration of the service with Loginom and the analysis of internal data sources provide opportunities for risk management.

2020

Integration with Avacor solution

SKB Kontur and Digital Design entered into a partnership agreement on the integration of services. SKB Kontur announced this on December 7, 2020. The solution based on the systems "Compliance Control," Contour. Prism and Contour. Focus allows you to close a set of problems. Read more here.

Participation in TAdviser Banks IT Day

JSC PF SKB Kontur is a member of the Association of Financial Market and Payment Industry Participants "Financial Innovations" and has five years of experience in creating software products for banks.

One of our activities is the development of a comprehensive solution for financial monitoring and identification of dubious transactions - Kontur.Prism.

During the speech at the Banks IT Day 2020 conference , the types of sanctions regimes, problems of compliance with sanctions legislation will be highlighted, a solution to the Kontur will be presented. The prism for the implementation of the Global Sanctions Lists, namely, the collection and adaptation of information from primary sources, the mechanism for creating and combining profiles, the problems of implementing the 50% Rule and how to solve them.

2018

On August 2, 2018, SKB Kontur announced the launch of the Kontur.Prism service, which automates AML/CFT processes (countering legalization (laundering) of proceeds from crime and financing of terrorism) and Know Your Client, checks 115-FZ clients and helps banks comply with the requirements of the international organization FATF (Financial Action Task Force against Money Laundering). According to the company, the advantage of the decision is that it allows you to guarantee compliance with the law and automatically receive tax and accounting statements of the companies - clients of SKB Kontur, who gave consent to this.

Kontur.Prism

As reported, firstly, the service identifies the client by 115-FZ and collects from official sources a full client questionnaire (dossier) with all the current data on companies, individual entrepreneurs and individuals that banks are obliged to check. The financial position of the client, the registers of the Federal Tax Service and industry registers, the presence of clients, their beneficial owners and representatives in the lists of public officials (PDL) and international sanctions (USA, Great Britain, the European Union, Ukraine, Switzerland) and much more are taken into account - more than 60 parameters in total. In the near future, the service will have a check on the List of 639-P, the register of terrorists, extremists, unreliable participants in foreign economic activity, as well as the ability to load internal lists of banks.

Secondly, Kontur.Prism analyzes this information according to the criteria described in the 115-FZ and its by-laws and assigns a certain level of risk to the company. The verification model can be set up by specifying additional risk factors and each weight for the final assessment in accordance with the internal regulatory documents of the credit institution. The inspection is accompanied by direct references to all applicable AML/TF regulations.

Thirdly, the service automatically prepares a detailed report for each check, which can be printed or saved in the archive. The service also allows you to get statistics on all checks carried out for the selected period.

According to company representatives, in the future, the Contour. Prism will monitor the entire client base and automatically update the documents in the client questionnaire. In addition, an analysis of dubious transactions and Kontur.ID will appear in the service Kontur Passport) - a personal account where customers themselves can add documents and open the bank access to them.

Contour. The prism can be used through a browser or integrate the service with its information system through the API.