[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-detail-169059-en":3,"doc-seo-169059-105":30,"detail-sidebar-cat-1-en-105":92},{"code":4,"msg":5,"data":6},0,"success",{"doc_id":7,"user_id":8,"nickname":9,"user_avatar":10,"doc_module":11,"category_id":12,"category_name":13,"doc_title":14,"doc_description":15,"doc_content":16,"file_id":17,"file_url":18,"file_type":19,"file_size":20,"view_count":4,"is_deleted":4,"is_public":11,"is_downloadable":11,"audit_status":11,"page_count":21,"language":22,"language_code":23,"site_id":24,"html_lang":23,"table_of_contents":25,"faqs":26,"seo_title":27,"seo_description":15,"update_tm":28,"read_time":29},169059,687207412472,"Angel","https://ap-avatar.wpscdn.com/davatar_155a257f0dc6eb9ab79c44ca47cae57d",1,18,"Letters","DEFINITIONS - Risk Management and Compliance Programme (RMCP) - Template","Risk Management and Compliance Programme (RMCP) template for estate agencies, aligned with section 42 of the Financial Intelligence Centre Act 38 of 2001 (FICA). Sets out a liability disclaimer by REBOSA: agents must not rely blindly on the template and must acquaint themselves with FICA and related guidance, then adapt the RMCP to their own MLFT risks. The document defines key terms used throughout the RMCP, including Accountable Institution, Business, Business Relationship, Cash, CDD, Client, and Counter-Party, supporting consistent interpretation across compliance procedures.","RISK MANAGEMENT AND COMPLIANCE PROGRAMME\nIN TERMS OF SECTION 42 OF THE FINANCIAL INTELLIGENCE CENTRE ACT, NO 38 OF 2001\nFOR\n[INSERT NAME OF ESTATE AGENCY]\nDISCLAIMER OF LIABILITY BY REBOSA\nEvery estate agent ultimately bears the individual responsibility for its own compliance with the provisions of FICA, including (without limitation) the responsibility to design and implement a risk management and compliance programme (\"RMCP\").\nREBOSA only shares this template RMCP with its estate agents on the understanding that it is merely an aid, which will only be treated as a point of departure, and not relied upon blindly. An estate agent of REBOSA may use this template RMCP on condition that the estate agent –\nfamiliarises itself with the content of FICA, as well any regulations, guidance notes, and other legal instruments relating to FICA or affecting the estate agent's obligations under FICA; and\napplies its own mind, and exerts its own time, effort and skill to the exercise of adapting this template RMCP as necessary to fit its unique circumstances, particularly its unique MLFT risks as evaluated and gauged by it.\nREBOSA as well as its directors, shareholders, employees, agents, contractors and legal representatives, disclaim all liability to any person (whether natural or not, and whether incorporated or not) for any loss, damage, harm, penalty, sanction or fine whatsoever incurred by the estate agent using this template RMCP, where such loss, damage, harm, penalty, sanction or fine flows directly or indirectly from the use of this template RMCP, or from a finding or ruling that this template RMCP is non-compliant with FICA or any other law, or from this template RMCP's inadequacy to deal with the estate agent's MLFT risk in general or in a specific instance.\nThis template RMCP does not constitute legal advice or a legal opinion.\n(\"BUSINESS\")\n\u000f\n\u0003Table of Contents\n\u0013 TOC \\o \"1-3\" \\h \\z \\u \u0014\u0013 HYPERLINK \\l \"_Toc496196887\" \u00141\tDEFINITIONS\t\u0013 PAGEREF _Toc496196887 \\h \u00143\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc496196888\" \u00142\tTHE PURPOSE OF FICA AND THIS RMCP\t\u0013 PAGEREF _Toc496196888 \\h \u00147\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc496196889\" \u00143\tRESPONSIBILITY FOR RMCP\t\u0013 PAGEREF _Toc496196889 \\h \u00148\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc496196890\" \u00144\tLEGAL STATUS and review OF RMCP\t\u0013 PAGEREF _Toc496196890 \\h \u00149\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc496196891\" \u00145\tTHE BUSINESS' APPROACH TO RISK\t\u0013 PAGEREF _Toc496196891 \\h \u00149\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc496196892\" \u00146\tANONYMOUS OR FICTITIOUS CLIENTS\t\u0013 PAGEREF _Toc496196892 \\h \u001410\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc496196893\" \u00147\tABBREVIATED CDD PROCEDURES\t\u0013 PAGEREF _Toc496196893 \\h \u001410\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc496196894\" \u00148\tTABLES FOR CDD PROCEDURES: ESTABLISHING AND VERIFYING INFORMATION\t\u0013 PAGEREF _Toc496196894 \\h \u001413\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc496196895\" \u00149\tONGOING CDD FOR BUSINESS RELATIONSHIPS\t\u0013 PAGEREF _Toc496196895 \\h \u001427\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc496196896\" \u001410\tTREATMENT OF LEGACY CLIENTS\t\u0013 PAGEREF _Toc496196896 \\h \u001427\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc496196897\" \u001411\tDOUBTS ABOUT THE ACCURACY OF EXISTING INFORMATION\t\u0013 PAGEREF _Toc496196897 \\h \u001427\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc496196898\" \u001412\tTERMINATING A BUSINESS RELATIONSHIP\t\u0013 PAGEREF _Toc496196898 \\h \u001428\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc496196899\" \u001413\tBUSINESS RELATIONSHIP WITH a client who is an fppo or dpip\t\u0013 PAGEREF _Toc496196899 \\h \u001429\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc496196900\" \u001414\tHOW AND WHERE FICA RECORDS ARE TO BE KEPT\t\u0013 PAGEREF _Toc496196900 \\h \u001429\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc496196901\" \u001415\tREPORTABLE INFORMATION\t\u0013 PAGEREF _Toc496196901 \\h \u001430\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc496196902\" \u001416\tfreezing of assets versus CONTINUATION OF REPORTED MATTERS\t\u0013 PAGEREF _Toc496196902 \\h \u001432\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc496196903\" \u001417\tACKNOWLEDGEMENT TO BE SIGNED BY ALL EMPLOYEES\t\u0013 PAGEREF _Toc496196903 \\h \u001433\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc496196904\" \u001418\tLIST OF FATF MEMBER STATES\t\u0013 PAGEREF _Toc496196904 \\h \u001434\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc496196905\" \u001419\tLIST OF FPPO positions\t\u0013 PAGEREF _Toc496196905 \\h \u001436\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc496196906\" \u001420\tLIST OF DPIP positions\t\u0013 PAGEREF _Toc496196906 \\h \u001437\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc496","cbCaiu7dvFbdgTLt","https://ap.wps.com/l/cbCaiu7dvFbdgTLt","docx",105636,54,"English","en",105,"# DEFINITIONS\n## Risk Management and Compliance Programme (RMCP)\n## Disclaimer of Liability by REBOSA\n## Definitions of Key Terms\n## Table of Contents Overview","[{\"question\":\"What is the RMCP template intended for in this document?\",\"answer\":\"It is a risk management and compliance programme template for estate agencies to meet obligations under section 42 of FICA.\"},{\"question\":\"What does REBOSA’s liability disclaimer require of estate agents?\",\"answer\":\"Estate agents may use the template only as an aid, must understand FICA and related instruments, and must adapt the RMCP to their own MLFT risks.\"},{\"question\":\"Which key terms are defined under the “DEFINITIONS” 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