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Methods of contacting the client to obtain required information
Clients are approached with a request to provide the required information or documents through the following channels.
Internet and mobile banking
The AML questionnaire is displayed to selected clients in internet or mobile banking on a regular and recurring basis in order to comply with the mandatory periodic client due diligence under the AML Act. The questionnaire is used to confirm the identification details that we, as a bank, register about the clients and to collect other additional information.
The questionnaire is always displayed for several months, during which the client is obliged to fill in the required information. The client may confirm or not confirm the identification details. In the event of incorrect identification details shown in the questionnaire, the client is obliged to update such information in person at any branch of the bank, all in accordance with the bank's general business conditions.
By means of a message in mobile or internet banking, we may notify the client of an e-mail asking the client to provide the required information. It is necessary to respond to this e-mail.
We prefer internet and mobile banking for communications with clients. For the client, it is a convenient way to send us the required documents.
Instructions for inserting a document via internet banking:
- After signing in to your internet banking, select the "Documents" icon at the top.
- In the left "Documents" menu, click "Upload Document".
- Select document purpose: Always specified by the bank.
- Document type: Always specified by the bank.
- Use the "Attach File" button or directly drag and drop the file to upload the document in the requested format. You can upload multiple files at once; however, the total maximum size must not exceed 20 MB.
- After uploading the selected documentation, send it to the bank by pressing the "Send" button.
- You can check the uploaded files at any time from the left menu: "Documents - Uploaded by me".
E-mail, phone call, SMS
In some cases, we may request additional documents, such as for transaction screening, regarding the politically exposed person status, etc. Such documents may be requested through all available channels. We usually notify you of a message in internet banking by a mobile text message or e-mail.
In the case of e-mail communications, we usually communicate from kyc@rb.cz.
Raiffeisenbank a.s. performs client due diligence to eliminate the risks of money laundering and terrorist financing to the greatest possible extent. Client due diligence is often known as "Know Your Customer". At the bank's request, every client is obliged to provide the information necessary for the due diligence and to submit the relevant documents. If the client fails to provide such cooperation or if the client due diligence cannot be carried out for any other reason, the bank must proceed in accordance with applicable laws.
The bank ascertains and evaluates information on the purpose and nature of the transaction or business relationship, the nature of business activities, information on the identification and verification of the client's beneficial ownership and identification of the client's management and ownership structure, and information on the origin of assets of a politically exposed person or on the application of international sanctions to the client. In accordance with Sec. 9a of Act No. 253/2008 Coll., the bank carries out enhanced identification and due diligence of clients with a high-risk third country as their country of origin, all at any time during the establishment or existence of the business relationship. The list of high-risk countries is determined on the basis of Commission Regulation (EU) 2016/1675 and the FATF list of high-risk countries. From the bank's perspective, AML (Anti Money Laundering) rules must be adhered to. These are anti-money laundering measures that are also intended to combat the financing of terrorism (CFT).
The bank treats all client data and submitted information in accordance with the principles of banking secrecy.