{"id":48059,"date":"2025-11-05T12:28:22","date_gmt":"2025-11-05T12:28:22","guid":{"rendered":"https:\/\/clustdoc.com\/?p=48059"},"modified":"2026-03-10T16:09:27","modified_gmt":"2026-03-10T16:09:27","slug":"processus-kyc","status":"publish","type":"post","link":"https:\/\/clustdoc.com\/fr\/blog\/processus-kyc\/","title":{"rendered":"Les 4 \u00e9tapes du processus KYC \u00e0 conna\u00eetre"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"48059\" class=\"elementor elementor-48059\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ae63d85 e-flex e-con-boxed e-con e-parent\" data-id=\"7ae63d85\" 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-e1ee245 elementor-widget elementor-widget-betakit-breadcrumbs\" data-id=\"e1ee245\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"betakit-breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"page-header text-left\"><div class=\"breadcrumbs\"><a class=\"breadcrumb_link\" href=\"https:\/\/clustdoc.com\/fr\/\"><span class=\"breadcrumb_link_text\"> Home<\/span><\/a><\/div><\/div>\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\t\t<section class=\"betakit-gap-default elementor-section elementor-top-section elementor-element elementor-element-42345bca elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"42345bca\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5ab29e97\" data-id=\"5ab29e97\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4eca3704 elementor-widget elementor-widget-image\" data-id=\"4eca3704\" 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=\"1748\" height=\"1240\" src=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/etapes-cles-du-KYC-1.png\" class=\"attachment-full size-full wp-image-47772\" alt=\"\" srcset=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/etapes-cles-du-KYC-1.png 1748w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/etapes-cles-du-KYC-1-300x213.png 300w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/etapes-cles-du-KYC-1-1024x726.png 1024w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/etapes-cles-du-KYC-1-768x545.png 768w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/etapes-cles-du-KYC-1-1536x1090.png 1536w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/etapes-cles-du-KYC-1-595xh.png 595w\" sizes=\"(max-width: 1748px) 100vw, 1748px\" \/>\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-2d52cf1b elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"2d52cf1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 id=\"les-4-etapes-du-processus-kyc-a-connaitre\" class=\"elementor-heading-title elementor-size-default\">Les 4 \u00e9tapes du processus KYC \u00e0 conna\u00eetre<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-3f1b17c8 e-flex e-con-boxed e-con e-parent\" data-id=\"3f1b17c8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6306967a e-con-full e-flex e-con e-child\" data-id=\"6306967a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f3754f2 elementor-widget elementor-widget-text-editor\" data-id=\"f3754f2\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"introduction\" 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<section data-id=\"8fb6ffc\" data-element_type=\"section\"><div data-id=\"b7cdb3f\" data-element_type=\"column\"><div data-id=\"9113f35\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><p>Les institutions financi\u00e8res parlent souvent de l&#8217;importance du processus KYC &#8220;Know Your Customer&#8221;, mais pour beaucoup de soci\u00e9t\u00e9s ayant des ressources plus limit\u00e9es, cela reste parfois un peu compliqu\u00e9 en termes de mise en place concr\u00e8te dans l&#8217;organisation.<\/p><p>Pourtant s&#8217;attarder sur la connaissance client est une \u00e9tape fondamentale pour renforcer la relation commerciale et rester dans les clous en mati\u00e8re de s\u00e9curit\u00e9 quel que soit le secteur dans lequel on \u00e9volue.<\/p><p>Des \u00e9tapes KYC bien ficel\u00e9es permettent d\u2019<b>\u00e9valuer les risques li\u00e9s aux clients<\/b>, de <b>pr\u00e9venir la fraude<\/b> (blanchiment d\u2019argent, financement du terrorisme) et d\u2019assurer une <b>conformit\u00e9 totale<\/b> quant aux r\u00e9glementations en vigueur.<\/p><p>Alors si le sujet vous int\u00e9resse ou fait partie de vos prochaines priorit\u00e9s, vous \u00eates au bon endroit.<\/p><p>Dans ce petit guide, je vous explique tout ce qu&#8217;il faut pour mettre en place un processus KYC au sein de votre d\u00e9partement et j&#8217;en profiterai pour vous partager des astuces pour faire de ce processus une simple formalit\u00e9 pour vos \u00e9quipes.<\/p><\/div><\/div><\/section>\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-ebeff08 elementor-widget elementor-widget-template\" data-id=\"ebeff08\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"58387\" class=\"elementor elementor-58387\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-838a185 e-con-full e-flex e-con e-parent\" data-id=\"838a185\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-6cf6d1f e-grid e-con-boxed e-con e-child\" data-id=\"6cf6d1f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-93310c1 e-con-full e-flex e-con e-child\" data-id=\"93310c1\" 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-c07b41a betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"c07b41a\" 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\">Onboarding client : conciliez conformit\u00e9 et exp\u00e9rience client exceptionnelle<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23d8bee elementor-widget elementor-widget-button\" data-id=\"23d8bee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/info.clustdoc.com\/webinaire-entree-en-relation-comment-concilier-conformite-et-experience-client\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-long-arrow-alt-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Regarder le replay<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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 class=\"elementor-element elementor-element-076f93f elementor-widget elementor-widget-image\" data-id=\"076f93f\" 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=\"960\" height=\"540\" src=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/03\/Webinaire-Entree-en-relation-client-Comment-concilier-conformite-et-experience-client-1024x576.png\" class=\"attachment-large size-large wp-image-39010\" alt=\"Webinaire : Entr\u00e9e en relation client Comment concilier conformit\u00e9 et exp\u00e9rience client\" srcset=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/03\/Webinaire-Entree-en-relation-client-Comment-concilier-conformite-et-experience-client-1024x576.png 1024w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/03\/Webinaire-Entree-en-relation-client-Comment-concilier-conformite-et-experience-client-300x169.png 300w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/03\/Webinaire-Entree-en-relation-client-Comment-concilier-conformite-et-experience-client-768x432.png 768w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/03\/Webinaire-Entree-en-relation-client-Comment-concilier-conformite-et-experience-client-1536x864.png 1536w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/03\/Webinaire-Entree-en-relation-client-Comment-concilier-conformite-et-experience-client.png 1920w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/>\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\t\t<\/div>\n\t\t\t\t<\/div>\n\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 class=\"elementor-element elementor-element-0ed28b6 elementor-widget elementor-widget-text-editor\" data-id=\"0ed28b6\" 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<section data-id=\"8fb6ffc\" data-element_type=\"section\"><div data-id=\"b7cdb3f\" data-element_type=\"column\"><div data-id=\"9113f35\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><h2 id=\"1-documentez-votre-processus-kyc\">1. Documentez votre processus KYC<\/h2><p>Vous g\u00e9rez s\u00fbrement d\u00e9j\u00e0 des clients au quotidien, la premi\u00e8re \u00e9tape pour red\u00e9finir votre <a href=\"https:\/\/stg-blogclustdoccom-blogstaging.kinsta.cloud\/blog\/fr\/procedure-kyc\/\" target=\"_blank\" rel=\"noopener\">processus KYC (Know Your Customer)<\/a> sera donc de sortir de la gestion courante pour faire un audit de vos op\u00e9rations.<\/p><p>Vous pouvez par exemple organiser une r\u00e9union de travail \u00e0 laquelle vous convierez toutes les personnes qui interviennent au cours du parcours client : des charg\u00e9s de la relation client au collaborateurs back-office, charg\u00e9s de traiter les informations et les dossiers clients.<\/p><p>L&#8217;objectif ? Documenter chacune des \u00e9tapes constitutives de votre parcours client afin de le red\u00e9finir.<\/p><div><p>Ensemble, listez simplement toutes les actions que vos clients doivent effectuer, ainsi que celles qui concernent vos \u00e9quipes en interne.<\/p><p>Ensuite, organisez les t\u00e2ches \u00e0 r\u00e9aliser : demande d&#8217;information (g\u00e9n\u00e9rales, financi\u00e8res, historique, concernant les dirigeants etc.) collecte de documents, v\u00e9rification des informations, et toutes celles qui selon vous sont indispensables \u00e0 votre processus KYC.<\/p><\/div><\/div><\/div><\/section>\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-efba742 elementor-widget elementor-widget-text-editor\" data-id=\"efba742\" 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 style=\"text-align: left;\"><span style=\"font-size: 20px; font-family: Inter;\"><span style=\"font-weight: 400;\"><strong>Le saviez-vous ?<\/strong> <\/span><\/span><\/p><p style=\"text-align: left;\"><span style=\"font-size: 17px;\"> <span style=\"font-weight: 400;\">En 2023, Binance, un acteur majeur des crypto-monnaies, a <a href=\"https:\/\/www.fincen.gov\/news\/news-releases\/fincen-announces-largest-settlement-us-treasury-department-history-virtual-asset\" target=\"_blank\" rel=\"noopener\">\u00e9t\u00e9 sanctionn\u00e9 \u00e0 hauteur de 3,4 milliards de dollars<\/a> pour des infractions au KYC et au respect des lois anti-blanchiment (AML). Cette p\u00e9nalit\u00e9 est la plus \u00e9lev\u00e9e jamais impos\u00e9e par le minist\u00e8re des Finances des \u00c9tats-Unis pour ce type d\u2019infraction.<\/span><\/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-f94c348 elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"f94c348\" 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-size: 17px;\"><span style=\"font-weight: 400;\">Travailler avec des outils <\/span><a href=\"https:\/\/stg-blogclustdoccom-blogstaging.kinsta.cloud\/blog\/fr\/5-signes-quil-vous-faut-un-logiciel-de-collecte-de-documents-clients\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">adapt\u00e9s \u00e0 votre processus<\/span><\/a><span style=\"font-weight: 400;\"> vous permet de faciliter la collecte de documents sensibles en vous assurant de respecter le cadre r\u00e9glementaire de votre activit\u00e9. (RGPD). <\/span><\/span><\/p><p><span style=\"font-size: 17px;\"><span style=\"font-weight: 400;\">R\u00e9sultat : un processus plus rapide, plus s\u00e9curis\u00e9, et sans tracas pour vous et vos clients.<\/span><\/span><\/p><h2 id=\"2-pensez-a-verifier-les-informations-de-vos-contacts\"><b>2. Pensez \u00e0 v\u00e9rifier les informations de vos contacts<\/b><\/h2><p><span style=\"font-weight: 400; font-size: 17px;\">Pour \u00e9tablir au sein de votre entreprise un processus solide, prenez le temps de mettre en place des r\u00e8gles strictes de v\u00e9rification des informations de vos clients.\u00a0<\/span><\/p><p><span style=\"font-weight: 400; font-size: 17px;\">Par exemple, vous pourrez d\u00e9signer les collaborateurs ou d\u00e9partements en charge de chaque \u00e9tape du parcours client (v\u00e9rification des documents, approbations etc.) et d\u00e9finir \u00e9galement un ordre pr\u00e9cis pour effectuer tous les checks relatifs \u00e0 votre processus KYC.\u00a0<\/span><\/p><p><span style=\"font-size: 17px;\">Ce type de <a href=\"https:\/\/stg-blogclustdoccom-blogstaging.kinsta.cloud\/blog\/fr\/quest-ce-quune-procedure-operatoire-standardisee-sop\/\" target=\"_blank\" rel=\"noopener\">proc\u00e9dure op\u00e9ratoire standardis\u00e9e<\/a> peut \u00eatre directement cr\u00e9\u00e9 \u00e0 l&#8217;aide d&#8217;outils comme Clustdoc &#8211; afin de faciliter l&#8217;ex\u00e9cution de ces t\u00e2ches de v\u00e9rifications pendant le traitement de vos futurs dossiers clients.<\/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-faa1e0f elementor-widget elementor-widget-image\" data-id=\"faa1e0f\" 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=\"960\" height=\"720\" src=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/11\/PROCESSUS-KYC.png\" class=\"attachment-large size-large wp-image-50501\" alt=\"Les \u00e9tapes du processus KYC\" srcset=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/11\/PROCESSUS-KYC.png 1024w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/11\/PROCESSUS-KYC-300x225.png 300w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/11\/PROCESSUS-KYC-768x576.png 768w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/11\/PROCESSUS-KYC-595xh.png 595w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/>\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-0a176f4 elementor-widget elementor-widget-text-editor\" data-id=\"0a176f4\" 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<div><p><span style=\"font-weight: 400; font-size: 17px;\">Aussi, vous pouvez vous appuyer sur des technologies de pointe pour extraire les donn\u00e9es qui vous int\u00e9ressent et les mettre \u00e0 disposition de vos \u00e9quipes pour v\u00e9rification.<\/span><\/p><p><span style=\"font-weight: 400; font-size: 17px;\">Par exemple, L&#8217;OCR (Reconnaissance Optique de Caract\u00e8res) fait tr\u00e8s bien le job en ce qui concerne l&#8217;extraction de donn\u00e9es.\u00a0<\/span><\/p><p><span style=\"font-weight: 400; font-size: 17px;\">Chez Clustdoc, certains de nos clients s&#8217;appuient sur cette capacit\u00e9 pour faire du &#8216;<em>data matching<\/em>&#8216; et comparer les contenus des dossiers clients avec des bases de donn\u00e9es officielles.\u00a0\u00a0<\/span><\/p><\/div><p><span style=\"font-size: 17px;\">En utilisant ce type de technologies, vous garantissez des v\u00e9rifications plus fiables et rapides dans le cadre de votre parcours client.<\/span><\/p><div><p><span style=\"font-weight: 400; font-size: 17px;\">Cette \u00e9tape est essentielle pour v\u00e9rifier l\u2019identit\u00e9 du client, confirmer qu\u2019il est bien celui qu\u2019il pr\u00e9tend \u00eatre, et identifier les risques d\u00e8s le d\u00e9but.<\/span><\/p><p><span style=\"font-weight: 400; font-size: 18px;\">\u00a0<\/span><\/p><h2 id=\"3-evaluez-le-niveau-de-risque-client-de-maniere-systematique\"><b>3. \u00c9valuez le niveau de risque client de mani\u00e8re syst\u00e9matique<\/b><\/h2><p><span style=\"font-weight: 400; font-size: 17px;\">L\u2019\u00e9valuation du risque client est essentielle pour entretenir des relations commerciales durables et maintenir une base client saine.<\/span><\/p><p><span style=\"font-weight: 400; font-size: 17px;\">En affaires, personne n&#8217;est \u00e0 l&#8217;abri d&#8217;une mauvaise rencontre.\u00a0 <\/span><\/p><p><span style=\"font-weight: 400; font-size: 17px;\">Un client bien sous tous rapports peut \u00eatre m\u00eal\u00e9 (volontairement ou non d&#8217;ailleurs) \u00e0 des activit\u00e9s opaques qui pourraient entacher votre relation et <a href=\"https:\/\/stg-blogclustdoccom-blogstaging.kinsta.cloud\/blog\/fr\/procedure-kyc\/\" target=\"_blank\" rel=\"noopener\">pire encore, votre business<\/a>. <\/span><\/p><p><span style=\"font-weight: 400; font-size: 17px;\">C&#8217;est pourquoi, la confiance n&#8217;exclut pas le contr\u00f4le quand il s&#8217;agit de lutter contre le blanchiment d\u2019argent et le financement du terrorisme (LCB-FT).<\/span><\/p><p><span style=\"font-size: 17px;\"><span style=\"font-weight: 400;\">Prenons le cas d&#8217;une personne politiquement expos\u00e9e (PPE), qui de par son statut, son m\u00e9tier, son influence, est forc\u00e9ment un peu plus \u00e0 risque qu&#8217;une personne parfaitement lambda.\u00a0<\/span><\/span><\/p><p><span style=\"font-size: 17px;\"><span style=\"font-weight: 400;\">Si vous \u00e9tiez amen\u00e9 \u00e0 faire affaire avec ce type de client, il serait alors primordial d\u2019effectuer des v\u00e9rifications renforc\u00e9es : une v\u00e9ritable <\/span><a href=\"https:\/\/www.lexisnexis.com\/fr-fr\/glossaire\/due-diligence?srsltid=AfmBOorQDIwEy91Wn14IBiSqPMZQT-gWA7HdgvbWFoM1q6qdNLzf1UIs\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Due Diligence approfondie (EDD)<\/span><\/a> en somme.<\/span><\/p><p><span style=\"font-size: 17px;\"><span style=\"font-weight: 400;\">Il s&#8217;agirait alors d&#8217;\u00eatre tr\u00e8s attentif aux informations li\u00e9es \u00e0 l&#8217;identit\u00e9, \u00e0 l&#8217;historique financier (l\u2019origine et l&#8217;utilisation de ses fonds), aux \u00e9ventuelles affiliations, au pays de r\u00e9sidence, etc.<\/span><\/span><\/p><p><span style=\"font-weight: 400; font-size: 17px;\">Quand le risque est plus \u00e9lev\u00e9, comme avec les PPE, on creuse un peu plus.<\/span><\/p><p><span style=\"font-weight: 400; font-size: 17px;\">On regarde d\u2019o\u00f9 viennent leurs fonds, leurs ant\u00e9c\u00e9dents, et on s\u2019assure qu\u2019il n\u2019y a pas de lien avec des activit\u00e9s douteuses. <\/span><\/p><p><span style=\"font-weight: 400; font-size: 17px;\">Cette \u00e9tape permet de vous pr\u00e9munir des risques de fraude et de garantir la conformit\u00e9 aux r\u00e9glementations.\u00a0<\/span><\/p><p><span style=\"font-size: 17px;\">Dans Clustdoc, il est par exemple possible de d\u00e9finir des r\u00e8gles personnalis\u00e9es pour \u00e9tablir un score client de mani\u00e8re automatique, lorsque des informations sp\u00e9cifiques sont entr\u00e9es dans un formulaire du processus KYC.<\/span><\/p><p><span style=\"font-size: 17px;\">Par exemple, vous pourriez assigner au dossier de votre client PPE, une note de -10 points si son pays de r\u00e9sidence est un pays sensible sur le plan politique.\u00a0<\/span><\/p><p><span style=\"font-size: 17px;\">Tandis que vous lui donneriez +5 points si vous d\u00e9tectez une information qui constitue un point positif dans l&#8217;\u00e9valuation de son dossier.<\/span><\/p><p><span style=\"font-size: 17px;\">\u00a0<\/span><\/p><span style=\"font-size: 32px;\"><b>4. Maintenez un processus de surveillance continue<\/b><\/span><p><span style=\"font-weight: 400; font-size: 17px;\">Pour \u00eatre en r\u00e8gle avec les normes AML (Anti-Money Laundering) qui font partie du processus KYC, vous devez vous assurer\u00a0 que vos clients existants et futurs ne figurent pas sur des listes de surveillance internationales. <\/span><\/p><p><span style=\"font-weight: 400; font-size: 17px;\">Ces listes, comme celle de l\u2019OFAC aux \u00c9tats-Unis, regroupent les personnes et entit\u00e9s suspect\u00e9es d\u2019activit\u00e9s ill\u00e9gales, comme le blanchiment d\u2019argent ou le terrorisme (LCB-FT). Mais alors, comment s\u2019y prendre ?<\/span><\/p><p><span style=\"font-weight: 400; font-size: 17px;\">En trois \u00e9tapes :<\/span><\/p><p><span style=\"font-size: 17px;\">1 &#8211; Comparez les informations du client avec celles des listes de sanctions internationales.<\/span><\/p><p><span style=\"font-size: 17px;\">2 &#8211; V\u00e9rifiez scrupuleusement les ant\u00e9c\u00e9dents financiers et l\u00e9gaux du client pour rep\u00e9rer si ce dernier a des liens avec des activit\u00e9s suspectes.<\/span><\/p><p><span style=\"font-size: 17px;\">3- Pensez \u00e0 jeter un \u0153il r\u00e9guli\u00e8rement \u00e0 ces bases pour rester \u00e0 jour avec les r\u00e9glementations en cours.<\/span><\/p><p><span style=\"font-weight: 400; font-size: 17px;\">Un processus de surveillance KYC continue, permet de rep\u00e9rer les risques de blanchiment d\u2019argent et de garantir que les entreprises veillent \u00e0 rester vigilantes face \u00e0 leurs clients.<\/span><\/p><p><span style=\"font-size: 17px;\"><strong>Chaque ann\u00e9e, entre 2 et 5 % du PIB mondial (soit entre 800 milliards et 2 000 milliards de dollars) sont <a href=\"https:\/\/www.unodc.org\/unodc\/en\/money-laundering\/overview.html\" target=\"_blank\" rel=\"noopener\">li\u00e9s au blanchiment d\u2019argent<\/a>.\u00a0<\/strong><\/span><\/p><p><span style=\"font-weight: 400; font-size: 17px;\">Vous l\u2019aurez compris, un processus KYC conforme repose sur des \u00e9tapes cl\u00e9s qu\u2019il est essentiel de structurer. M\u00eame sans d\u00e9partement d\u00e9di\u00e9, une bonne organisation et les bons outils vous permettent de g\u00e9rer ces obligations avec s\u00e9r\u00e9nit\u00e9.<\/span><\/p><p><span style=\"font-weight: 400; font-size: 17px;\">L\u2019objectif : un KYC clair, fluide et s\u00e9curis\u00e9, qui assure \u00e0 la fois la conformit\u00e9, une exp\u00e9rience client optimale et une gestion efficace des risques. Voil\u00e0, vous avez toutes les cl\u00e9s en main pour r\u00e9ussir et int\u00e9grer facilement ce processus \u00e0 vos services. \u00c0 vous de jouer.\u00a0<\/span><\/p><\/div>\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-5824568 elementor-widget elementor-widget-template\" data-id=\"5824568\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"58501\" class=\"elementor elementor-58501\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ee7773 e-grid e-con-full e-con e-parent\" data-id=\"6ee7773\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-e5f4c4d e-flex e-con-boxed e-con e-child\" data-id=\"e5f4c4d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2dbb49d elementor-widget elementor-widget-spacer\" data-id=\"2dbb49d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\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-9373c43 betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"9373c43\" 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 solution qui digitalise toutes les \u00e9tapes de  l'entr\u00e9e en relation <\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc35139 betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"bc35139\" 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\">Ne jonglez plus entre les outils pour g\u00e9rer vos dossiers clients et administratifs<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07b8725 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"07b8725\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/clustdoc.com\/fr\/rdv-decouverte\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-long-arrow-alt-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Je r\u00e9serve un RDV D\u00e9couverte<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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\t\t<\/div>\n\t\t\t\t<\/div>\n\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 class=\"elementor-element elementor-element-bacd8e0 elementor-widget elementor-widget-spacer\" data-id=\"bacd8e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\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-7e3d589b elementor-hidden-mobile elementor-widget elementor-widget-author-box\" data-id=\"7e3d589b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\t\t\t\t<div  class=\"elementor-author-box__avatar\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/Eya-Silini-300x300.png\" alt=\"Image de Eya Silini \" loading=\"lazy\">\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\t\t\t\t\t<div >\n\t\t\t\t\t\t<h4 id=\"eya-silini\" class=\"elementor-author-box__name\">\n\t\t\t\t\t\t\tEya Silini \t\t\t\t\t\t<\/h4>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-author-box__bio\">\n\t\t\t\t\t\t<p>Notamment en charge de tous les contenus publi\u00e9s sur ce blog, Eya aime le caf\u00e9, ses chats et bien s\u00fbr parler d'entr\u00e9e en relation. <\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<a class=\"elementor-author-box__button elementor-button elementor-size-xs\" href=\"https:\/\/www.linkedin.com\/in\/eya-silini\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\tSon Linkedin \t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\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-73fdfb04 e-con-full e-flex e-con e-child\" data-id=\"73fdfb04\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-aa92b7c e-con-full e-flex e-con e-child\" data-id=\"aa92b7c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_offset&quot;:100,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e009626 elementor-toc--minimized-on-tablet elementor-widget elementor-widget-table-of-contents\" data-id=\"e009626\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;headings_by_tags&quot;:[&quot;h2&quot;],&quot;exclude_headings_by_selector&quot;:[],&quot;marker_view&quot;:&quot;bullets&quot;,&quot;icon&quot;:{&quot;value&quot;:&quot;&quot;,&quot;library&quot;:&quot;&quot;},&quot;no_headings_message&quot;:&quot;No headings were found on this page.&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;minimized_on&quot;:&quot;tablet&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h4 id=\"sommaire\" class=\"elementor-toc__header-title\">\n\t\t\t\tSommaire\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__e009626\" aria-expanded=\"true\" aria-label=\"Ouvrir la table des mati\u00e8res\"><i aria-hidden=\"true\" class=\"fas fa-caret-down\"><\/i><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__e009626\" aria-expanded=\"true\" aria-label=\"Fermer la table des mati\u00e8res\"><i aria-hidden=\"true\" class=\"fas fa-caret-up\"><\/i><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__e009626\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\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-a0e85eb elementor-widget elementor-widget-elementskit-social-share\" data-id=\"a0e85eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-social-share.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\t\t<ul class=\"ekit_socialshare\">\n                            <li class=\"elementor-repeater-item-ce29207\" data-social=\"linkedin\">\n                    <div class=\"linkedin\">\n                        \n                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#FFFFFF\" viewBox=\"0 0 50 50\" width=\"50px\" height=\"50px\"><path d=\"M41,4H9C6.24,4,4,6.24,4,9v32c0,2.76,2.24,5,5,5h32c2.76,0,5-2.24,5-5V9C46,6.24,43.76,4,41,4z M17,20v19h-6V20H17z M11,14.47c0-1.4,1.2-2.47,3-2.47s2.93,1.07,3,2.47c0,1.4-1.12,2.53-3,2.53C12.2,17,11,15.87,11,14.47z M39,39h-6c0,0,0-9.26,0-10 c0-2-1-4-3.5-4.04h-0.08C27,24.96,26,27.02,26,29c0,0.91,0,10,0,10h-6V20h6v2.56c0,0,1.93-2.56,5.81-2.56 c3.97,0,7.19,2.73,7.19,8.26V39z\"><\/path><\/svg>                        \n                                                                                            <\/div>\n                <\/li>\n                        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https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/Ameliorer-lexperience-client-lors-de-lonboarding-KYC-595x422.png 595w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/Ameliorer-lexperience-client-lors-de-lonboarding-KYC.png 1748w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">blog<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 id=\"ameliorer-lexperience-client-lors-de-lonboarding-kyc\" class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/clustdoc.com\/fr\/blog\/onboarding-kyc\/\">\n\t\t\t\tAm\u00e9liorer l\u2019exp\u00e9rience client lors de l\u2019onboarding KYC\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t5 novembre 2025\t\t<\/span>\n\t\t\t\t<span class=\"elementor-post-avatar\">\n\t\t\tAucun commentaire\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article 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https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/Blog-pictures-73-1536x1090.png 1536w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/Blog-pictures-73-595x422.png 595w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/Blog-pictures-73.png 1748w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">blog<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 id=\"comment-creer-une-signature-electronique-sur-word\" class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/clustdoc.com\/fr\/blog\/signature-electronique-word\/\">\n\t\t\t\tComment cr\u00e9er une signature \u00e9lectronique sur Word ?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t5 novembre 2025\t\t<\/span>\n\t\t\t\t<span class=\"elementor-post-avatar\">\n\t\t\tAucun commentaire\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-48052 post type-post status-publish format-standard has-post-thumbnail hentry category-blog category-relation-client nt-post-class \" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/clustdoc.com\/fr\/blog\/conformite-kyc\/\" tabindex=\"-1\"><div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"300\" height=\"213\" src=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/FR-visuels-Blog-1-300x213.png\" class=\"attachment-medium size-medium wp-image-47297\" alt=\"Conformit\u00e9 KYC et enjeux pour votre entreprise\" srcset=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/FR-visuels-Blog-1-300x213.png 300w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/FR-visuels-Blog-1-1024x726.png 1024w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/FR-visuels-Blog-1-768x545.png 768w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/FR-visuels-Blog-1-1536x1090.png 1536w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/FR-visuels-Blog-1-595x422.png 595w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/FR-visuels-Blog-1.png 1748w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">blog<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 id=\"conformite-kyc-et-enjeux-pour-votre-entreprise\" class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/clustdoc.com\/fr\/blog\/conformite-kyc\/\">\n\t\t\t\tConformit\u00e9 KYC et enjeux pour votre entreprise\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t5 novembre 2025\t\t<\/span>\n\t\t\t\t<span class=\"elementor-post-avatar\">\n\t\t\tAucun commentaire\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\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-aba95ba elementor-widget elementor-widget-spacer\" data-id=\"aba95ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\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-61516e2 e-flex e-con-boxed e-con e-parent\" data-id=\"61516e2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\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>Les 5 \u00e9tapes \u00e0 mettre en place pour un processus KYC conforme aux r\u00e9glementations en vigueur.<\/p>\n","protected":false},"author":5,"featured_media":47301,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[291,297],"tags":[],"class_list":["post-48059","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-relation-client","nt-post-class",""],"_links":{"self":[{"href":"https:\/\/clustdoc.com\/fr\/wp-json\/wp\/v2\/posts\/48059","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/clustdoc.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/clustdoc.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/clustdoc.com\/fr\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/clustdoc.com\/fr\/wp-json\/wp\/v2\/comments?post=48059"}],"version-history":[{"count":39,"href":"https:\/\/clustdoc.com\/fr\/wp-json\/wp\/v2\/posts\/48059\/revisions"}],"predecessor-version":[{"id":61686,"href":"https:\/\/clustdoc.com\/fr\/wp-json\/wp\/v2\/posts\/48059\/revisions\/61686"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/clustdoc.com\/fr\/wp-json\/wp\/v2\/media\/47301"}],"wp:attachment":[{"href":"https:\/\/clustdoc.com\/fr\/wp-json\/wp\/v2\/media?parent=48059"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/clustdoc.com\/fr\/wp-json\/wp\/v2\/categories?post=48059"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/clustdoc.com\/fr\/wp-json\/wp\/v2\/tags?post=48059"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}