{"id":1456,"date":"2022-06-05T10:50:51","date_gmt":"2022-06-05T08:50:51","guid":{"rendered":"https:\/\/kaurum.com\/compliance-risk\/"},"modified":"2025-07-22T16:08:03","modified_gmt":"2025-07-22T14:08:03","slug":"compliance-risk","status":"publish","type":"page","link":"https:\/\/kaurum.com\/en\/our-services\/compliance-risk\/","title":{"rendered":"Compliance and risk management in Switzerland &#8211; Your Kaurum Trust"},"content":{"rendered":"\n\n\t<div data-src=\"https:\/\/cdn.trustindex.io\/loader.js?59c6c7e46624833296168f6478c\"><\/div>\n\t\t<h2>\n\t\t\t01. Mise en conformit\u00e9 LEFin \/ LSFin\n\t\t<\/h2>\n\t\t\t<p>Les lois LSFin et la LEFin font partie de la nouvelle architecture des march\u00e9s financiers. Elles visent \u00e0 cr\u00e9er des conditions de concurrence uniformes, \u00e0 renforcer la comp\u00e9titivit\u00e9 de la place financi\u00e8re et \u00e0 am\u00e9liorer la protection des clients.<\/p>\t\t\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/kaurum.com\/wp-content\/uploads\/2022\/06\/conformite_01.svg\" alt=\"Conformit\u00e9 et risques\" itemprop=\"image\" title=\"conformite_01\" onerror=\"this.style.display='none'\" loading='lazy' \/>\n\t<p>LSFin d\u00e9finit, pour tous les prestataires de services financiers, des r\u00e8gles concernant tant la fourniture de ces services que l&#8217;offre d&#8217;instruments financiers et simplifie par ailleurs pour les clients l&#8217;exercice de leurs pr\u00e9tentions. La LEFin introduit, quant \u00e0 elle, des r\u00e8gles de surveillance diff\u00e9renci\u00e9es pour les \u00e9tablissements financiers (gestionnaires de fortune et trustees, gestionnaires de fortune collective, directions de fonds et maisons de titres).<\/p>\n<p>Les deux nouvelles lois et leurs ordonnances d&#8217;application sont <strong>entr\u00e9es en vigueur le 1er janvier 2020<\/strong>.<\/p>\n<p>La loi pr\u00e9voit l&#8217;assujettissement obligatoire \u00e0 un organisme de surveillance pour tous les gestionnaires de fortune et les trustees. Cet assujettissement est une condition de base pour l&#8217;attribution de l&#8217;autorisation d&#8217;exercer par la FINMA.<\/p>\n\t<p>Les \u00e9tablissements financiers qui ne sont pas soumis \u00e0 l&#8217;obligation d&#8217;obtenir une autorisation en vertu de l&#8217;ancien droit mais sont tenus d&#8217;en obtenir une en vertu de la pr\u00e9sente loi doivent s&#8217;annoncer \u00e0 la FINMA dans les six mois qui suivent l&#8217;entr\u00e9e en vigueur.<\/p>\n\t<p>Ils doivent satisfaire aux exigences de la LEFin et demander une autorisation dans les trois ans \u00e0 compter de l&#8217;entr\u00e9e en vigueur.<\/p>\n<p>Ils peuvent poursuivre leur activit\u00e9 jusqu&#8217;\u00e0 ce qu&#8217;il soit statu\u00e9 sur l&#8217;autorisation, pour autant qu&#8217;ils soient affili\u00e9s \u00e0 un organisme d&#8217;autor\u00e9gulation selon l&#8217;art. 24 de la loi f\u00e9d\u00e9rale du 10 octobre 1997 sur le blanchiment d&#8217;argent (LBA) et soumis \u00e0 la surveillance de cet organisme en ce qui concerne le respect des obligations en mati\u00e8re de blanchiment d&#8217;argent.<\/p>\n<p><strong>Les gestionnaires de fortune et les trustees doivent disposer d&#8217;un syst\u00e8me de gestion des risques ad\u00e9quat et de contr\u00f4les internes efficaces qui, entre autres, garantissent le respect des r\u00e9glementations l\u00e9gales et internes. De plus, la loi exige que les fonctions de conformit\u00e9 soient r\u00e9alis\u00e9es par une personne d\u00fbment qualifi\u00e9e au sein de l&#8217;entreprise ou qu&#8217;elles soient d\u00e9l\u00e9gu\u00e9es \u00e0 un organisme externe qualifi\u00e9.<\/strong><\/p>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/kaurum.com\/wp-content\/uploads\/2022\/06\/conformite_02.svg\" alt=\"Conformit\u00e9 et risques\" itemprop=\"image\" title=\"conformite_02\" onerror=\"this.style.display='none'\" loading='lazy' \/>\n\t<p>Kaurum accompagne les gestionnaires de fortune et les trustees dans le processus de mise en conformit\u00e9 LEFin\/LSFin et ce jusqu&#8217;\u00e0 l&#8217;octroi de l&#8217;autorisation FINMA. Nous proposons <strong>un service cl\u00e9 en main<\/strong> qui comprend les \u00e9tapes suivantes:<\/p>\n\t<ul>\n\t\t\t<li>\n\t\t\t\tPrise de connaissance et diagnostic du dossier\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tMise en conformit\u00e9 LEFin\/LSFin\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tProcessus d&#8217;approbation de la FINMA : Pr\u00e9paration de la demande, Examen par un OS, Approbation de la FINMA\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tExternalisation compl\u00e8te de la gestion des risques et des contr\u00f4les internes\n\t\t\t<\/li>\n\t\t<\/ul>\n\t<p>Notre service cl\u00e9 en main permet non seulement la mise en conformit\u00e9 LSEFin\/LSFin mais \u00e9galement d&#8217;externaliser \u00e0 Kaurum la gestion des risques et des contr\u00f4les internes (cf. explications ci-dessous).<\/p>\n\t\t<h2>\n\t\t\t02. Externalisation gestion des risques et des contr\u00f4les internes\n\t\t<\/h2>\n\t\t\t<p>Kaurum permet aux gestionnaires de fortune et aux trustees d&#8217;externaliser enti\u00e8rement ou en partie les fonctions de gestion des risques et des contr\u00f4les internes (y compris KYC).<\/p>\t\t\n\t<p>Ce service permet de :<\/p>\n\t<ul>\n\t\t\t<li>\n\t\t\t\tEconomiser des co\u00fbts sur le moyen\/long terme\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tVous concentrer sur votre c\u0153ur de m\u00e9tier\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tProfiter de l&#8217;exp\u00e9rience de nos consultants hautement qualifi\u00e9s qui appliquent les normes r\u00e9glementaires suisses selon les exigences de la FINMA et des organismes d&#8217;autor\u00e9gulation.\n\t\t\t<\/li>\n\t\t<\/ul>\n\t<p>Notre service vise \u00e0 fournir aux entreprises un niveau de flexibilit\u00e9 similaire \u00e0 une solution interne. Il en r\u00e9sulte une v\u00e9ritable valeur ajout\u00e9e pour les clients, et donc un avantage concurrentiel durable.<\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>01. Mise en conformit\u00e9 LEFin \/ LSFin Les lois LSFin et la LEFin font partie de la nouvelle architecture des march\u00e9s financiers. Elles visent \u00e0 cr\u00e9er des conditions de concurrence uniformes, \u00e0 renforcer la comp\u00e9titivit\u00e9 de la place financi\u00e8re et \u00e0 am\u00e9liorer la protection des clients. LSFin d\u00e9finit, pour tous les prestataires de services financiers,&hellip;<\/p>\n","protected":false},"author":1,"featured_media":1349,"parent":3121,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"class_list":["post-1456","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Compliance and risk management in Switzerland - Your Kaurum Trust<\/title>\n<meta name=\"description\" content=\"Compliance and risk management. 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