{"id":66189,"date":"2026-11-13T23:10:20","date_gmt":"2026-11-13T23:10:20","guid":{"rendered":"https:\/\/clustdoc.com\/?p=66189"},"modified":"2026-11-14T12:11:44","modified_gmt":"2026-11-14T12:11:44","slug":"obligations-de-vigilance","status":"publish","type":"post","link":"https:\/\/clustdoc.com\/fr\/blog\/obligations-de-vigilance\/","title":{"rendered":"Obligations de vigilance LCB-FT : le guide complet"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"66189\" class=\"elementor elementor-66189\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-487c193a e-flex e-con-boxed e-con e-parent\" data-id=\"487c193a\" 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-2578b0d elementor-widget elementor-widget-betakit-breadcrumbs\" data-id=\"2578b0d\" 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-245fcf4c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"245fcf4c\" 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-6d819802\" data-id=\"6d819802\" 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-28be74f4 elementor-widget elementor-widget-image\" data-id=\"28be74f4\" 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=\"1912\" height=\"1352\" src=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/Capture-decran-2026-11-14-a-00.04.09.png\" class=\"attachment-full size-full wp-image-66215\" alt=\"obligations de vigilance\" srcset=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/Capture-decran-2026-11-14-a-00.04.09.png 1912w, https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/Capture-decran-2026-11-14-a-00.04.09-300x212.png 300w, https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/Capture-decran-2026-11-14-a-00.04.09-1024x724.png 1024w, https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/Capture-decran-2026-11-14-a-00.04.09-768x543.png 768w, https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/Capture-decran-2026-11-14-a-00.04.09-1536x1086.png 1536w, https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/Capture-decran-2026-11-14-a-00.04.09-595xh.png 595w\" sizes=\"(max-width: 1912px) 100vw, 1912px\" \/>\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-71184f99 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"71184f99\" 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=\"obligations-de-vigilance-lcb-ft-le-guide-complet\" class=\"elementor-heading-title elementor-size-default\">Obligations de vigilance LCB-FT : le guide complet<\/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-21d3186f e-flex e-con-boxed e-con e-parent\" data-id=\"21d3186f\" 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-4bb407b9 e-con-full e-flex e-con e-child\" data-id=\"4bb407b9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-70051aa3 elementor-widget elementor-widget-text-editor\" data-id=\"70051aa3\" 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 data-lfile-container=\"a2a11e93-e7ad-477f-bf2a-4551f194c8ab\" data-pm-slice=\"1 1 []\">Les obligations de vigilance imposent aux professionnels assujettis \u00e0 la lutte contre le blanchiment de capitaux et le financement du terrorisme (LCB-FT) de savoir avec qui ils travaillent, pourquoi, et de le prouver.<\/p><p data-lfile-container=\"a2a11e93-e7ad-477f-bf2a-4551f194c8ab\" data-pm-slice=\"1 1 []\"><a href=\"https:\/\/www.douane.gouv.fr\/sites\/default\/files\/2024-07\/26\/fiche-d-information-lcb-ft-fr.pdf\" target=\"_blank\" rel=\"noopener\">Elles reposent sur le Code mon\u00e9taire et financier (articles L.561-1 et suivants)<\/a> et sur une id\u00e9e simple : plus le risque est \u00e9lev\u00e9, plus les v\u00e9rifications doivent \u00eatre pouss\u00e9es.<\/p><p>Ce guide explique qui est concern\u00e9, ce qu\u2019il faut faire concr\u00e8tement, comment adapter son niveau de vigilance, ce qui se passe en cas de contr\u00f4le, et ce qui change avec le r\u00e8glement europ\u00e9en applicable en juillet 2027.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-53fb11d e-con-full e-flex e-con e-child\" data-id=\"53fb11d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-97f9f26 e-grid e-con-full e-con e-child\" data-id=\"97f9f26\" 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-f0810e5 e-con-full e-flex e-con e-child\" data-id=\"f0810e5\" 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-a00357d betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"a00357d\" 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\">Passez des obligations LCB-FT \u00e0 leur mise en application.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-843499f elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"843499f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Structurez vos proc\u00e9dures de vigilance avec des parcours KYC, des demandes de justificatifs et des \u00e9tapes de validation adapt\u00e9es \u00e0 vos exigences.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\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-f1198bc elementor-widget elementor-widget-button\" data-id=\"f1198bc\" 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\/discovery-call\/\" 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\">D\u00e9couvrez Clustdoc<\/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-712d200 elementor-widget elementor-widget-image\" data-id=\"712d200\" 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=\"800\" height=\"800\" src=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/clustdoc-lcb-ft-vigilance-carre.gif\" class=\"attachment-large size-large wp-image-66228\" alt=\"\" \/>\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>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f38f064 betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"1f38f064\" 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<h2 id=\"qui-est-soumis-aux-obligations-de-vigilance\" class=\"elementor-heading-title elementor-size-default\">Qui est soumis aux obligations de vigilance ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ba4d93 elementor-widget elementor-widget-text-editor\" data-id=\"6ba4d93\" 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 data-lfile-container=\"a2a11e93-e7ad-477f-bf2a-4551f194c8ab\" data-pm-slice=\"1 1 []\">La liste des professionnels assujettis figure \u00e0 l\u2019article L.561-2 du Code mon\u00e9taire et financier. Contrairement \u00e0 ce que l&#8217;on pense, cette liste d\u00e9passe va bien au del\u00e0 du secteur bancaire.\u00a0<\/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-5ea3e11 elementor-widget elementor-widget-text-editor\" data-id=\"5ea3e11\" 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<figure class=\"wp-block-table\"><table style=\"border-collapse: collapse; width: 100%;\"><thead><tr style=\"background-color: #e7f1fb;\"><th style=\"font-weight: bold; text-align: left; padding: 12px 16px; border: 1px solid #e5e7eb;\" scope=\"col\">Secteur<\/th><th style=\"font-weight: bold; text-align: left; padding: 12px 16px; border: 1px solid #e5e7eb;\" scope=\"col\">Exemples de professionnels assujettis<\/th><\/tr><\/thead><tbody><tr><td style=\"padding: 12px 16px; border: 1px solid #e5e7eb;\">Banque, paiement &amp; monnaie \u00e9lectronique<\/td><td style=\"padding: 12px 16px; border: 1px solid #e5e7eb;\">\u00c9tablissements de cr\u00e9dit, \u00e9tablissements de paiement, \u00e9metteurs de monnaie \u00e9lectronique<\/td><\/tr><tr style=\"background-color: #f6f7f9;\"><td style=\"padding: 12px 16px; border: 1px solid #e5e7eb;\">Assurances<\/td><td style=\"padding: 12px 16px; border: 1px solid #e5e7eb;\">Entreprises d\u2019assurance, interm\u00e9diaires d\u2019assurance<\/td><\/tr><tr><td style=\"padding: 12px 16px; border: 1px solid #e5e7eb;\">Investissement et cr\u00e9dit<\/td><td style=\"padding: 12px 16px; border: 1px solid #e5e7eb;\">Soci\u00e9t\u00e9s de gestion, conseillers en investissements financiers (CIF), interm\u00e9diaires en op\u00e9rations de banque (IOBSP)<\/td><\/tr><tr style=\"background-color: #f6f7f9;\"><td style=\"padding: 12px 16px; border: 1px solid #e5e7eb;\">M\u00e9tiers du chiffre et du droit<\/td><td style=\"padding: 12px 16px; border: 1px solid #e5e7eb;\">Experts-comptables, commissaires aux comptes, avocats (pour certaines op\u00e9rations), notaires, commissaires de justice<\/td><\/tr><tr><td style=\"padding: 12px 16px; border: 1px solid #e5e7eb;\">Immobilier<\/td><td style=\"padding: 12px 16px; border: 1px solid #e5e7eb;\">Agents immobiliers, y compris en location au-del\u00e0 d\u2019un certain loyer<\/td><\/tr><tr style=\"background-color: #f6f7f9;\"><td style=\"padding: 12px 16px; border: 1px solid #e5e7eb;\">Autres<\/td><td style=\"padding: 12px 16px; border: 1px solid #e5e7eb;\">Prestataires sur crypto-actifs, domiciliataires, marchands d\u2019art, op\u00e9rateurs de jeux<\/td><\/tr><\/tbody><\/table><\/figure>\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-0c100e6 elementor-widget elementor-widget-text-editor\" data-id=\"0c100e6\" 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 data-lfile-container=\"a2a11e93-e7ad-477f-bf2a-4551f194c8ab\" data-pm-slice=\"1 1 []\">Chaque profession a sa propre autorit\u00e9 de contr\u00f4le (ACPR, AMF, ordres professionnels, DGCCRF\u2026) et souvent ses propres lignes directrices. Les principes d\u00e9crits ici valent pour toutes mais il faut noter que certaines modalit\u00e9s varient.\u00a0<\/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-1ef8b6e betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"1ef8b6e\" 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<h2 id=\"les-quatre-obligations-de-vigilance\" class=\"elementor-heading-title elementor-size-default\">Les quatre obligations de vigilance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-877ab0f elementor-widget elementor-widget-text-editor\" data-id=\"877ab0f\" 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>Avant d\u2019entrer en relation d\u2019affaires, puis tout au long de celle-ci, vous devrez en tant que professionnel assujetti , r\u00e9pondre \u00e0 quatre obligations.<\/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-0dc6879 betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"0dc6879\" 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<h3 id=\"identifier-le-client-et-verifier-son-identite-article-l-561-5\" class=\"elementor-heading-title elementor-size-default\">Identifier le client et v\u00e9rifier son identit\u00e9 (article L.561-5).<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-103b5ea elementor-widget elementor-widget-text-editor\" data-id=\"103b5ea\" 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 data-lfile-container=\"a2a11e93-e7ad-477f-bf2a-4551f194c8ab\" data-pm-slice=\"1 1 [&quot;list&quot;,{&quot;bid&quot;:&quot;m6b5cc70pd2.3186&quot;,&quot;suggestId&quot;:null,&quot;suggestOp&quot;:null,&quot;suggestSet&quot;:null,&quot;suggestWas&quot;:null,&quot;suggestFrom&quot;:null,&quot;kind&quot;:&quot;ordered&quot;,&quot;start&quot;:null,&quot;numbering&quot;:null},&quot;listItem&quot;,{&quot;bid&quot;:&quot;m6b5cc70pd2.3187&quot;,&quot;suggestId&quot;:null,&quot;suggestOp&quot;:null,&quot;suggestSet&quot;:null,&quot;suggestWas&quot;:null,&quot;suggestFrom&quot;:null,&quot;checked&quot;:null,&quot;extraIndent&quot;:null}]\"><strong>Pour une personne physique :<\/strong> une pi\u00e8ce d\u2019identit\u00e9 officielle en cours de validit\u00e9.<\/p><p data-lfile-container=\"a2a11e93-e7ad-477f-bf2a-4551f194c8ab\" data-pm-slice=\"1 1 [&quot;list&quot;,{&quot;bid&quot;:&quot;m6b5cc70pd2.3186&quot;,&quot;suggestId&quot;:null,&quot;suggestOp&quot;:null,&quot;suggestSet&quot;:null,&quot;suggestWas&quot;:null,&quot;suggestFrom&quot;:null,&quot;kind&quot;:&quot;ordered&quot;,&quot;start&quot;:null,&quot;numbering&quot;:null},&quot;listItem&quot;,{&quot;bid&quot;:&quot;m6b5cc70pd2.3187&quot;,&quot;suggestId&quot;:null,&quot;suggestOp&quot;:null,&quot;suggestSet&quot;:null,&quot;suggestWas&quot;:null,&quot;suggestFrom&quot;:null,&quot;checked&quot;:null,&quot;extraIndent&quot;:null}]\"><strong>Pour une personne morale :<\/strong> un extrait Kbis ou \u00e9quivalent de moins de trois mois, et l\u2019identit\u00e9 de son repr\u00e9sentant.<\/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-c0a6e81 betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"c0a6e81\" 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<h3 id=\"identifier-le-beneficiaire-effectif\" class=\"elementor-heading-title elementor-size-default\">Identifier le b\u00e9n\u00e9ficiaire effectif.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76a12f7 elementor-widget elementor-widget-text-editor\" data-id=\"76a12f7\" 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 data-lfile-container=\"a2a11e93-e7ad-477f-bf2a-4551f194c8ab\" data-pm-slice=\"1 1 [&quot;list&quot;,{&quot;bid&quot;:&quot;m6b5cc70pd2.3186&quot;,&quot;suggestId&quot;:null,&quot;suggestOp&quot;:null,&quot;suggestSet&quot;:null,&quot;suggestWas&quot;:null,&quot;suggestFrom&quot;:null,&quot;kind&quot;:&quot;ordered&quot;,&quot;start&quot;:null,&quot;numbering&quot;:null},&quot;listItem&quot;,{&quot;bid&quot;:&quot;m6b5cc70pd2.3452&quot;,&quot;suggestId&quot;:null,&quot;suggestOp&quot;:null,&quot;suggestSet&quot;:null,&quot;suggestWas&quot;:null,&quot;suggestFrom&quot;:null,&quot;checked&quot;:null,&quot;extraIndent&quot;:null}]\">C\u2019est la personne physique qui contr\u00f4le r\u00e9ellement la soci\u00e9t\u00e9 cliente, en g\u00e9n\u00e9ral cette personne d\u00e9tient plus de 25 % du capital ou des droits de vote.\u00a0<\/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-bf41ee2 betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"bf41ee2\" 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<h3 id=\"connaitre-la-relation-daffaires-article-l-561-5-1\" class=\"elementor-heading-title elementor-size-default\">Conna\u00eetre la relation d\u2019affaires (article L.561-5-1).<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce70356 elementor-widget elementor-widget-text-editor\" data-id=\"ce70356\" 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 data-lfile-container=\"a2a11e93-e7ad-477f-bf2a-4551f194c8ab\" data-pm-slice=\"1 1 [&quot;list&quot;,{&quot;bid&quot;:&quot;m6b5cc70pd2.3186&quot;,&quot;suggestId&quot;:null,&quot;suggestOp&quot;:null,&quot;suggestSet&quot;:null,&quot;suggestWas&quot;:null,&quot;suggestFrom&quot;:null,&quot;kind&quot;:&quot;ordered&quot;,&quot;start&quot;:null,&quot;numbering&quot;:null},&quot;listItem&quot;,{&quot;bid&quot;:&quot;m6b5cc70pd2.3710&quot;,&quot;suggestId&quot;:null,&quot;suggestOp&quot;:null,&quot;suggestSet&quot;:null,&quot;suggestWas&quot;:null,&quot;suggestFrom&quot;:null,&quot;checked&quot;:null,&quot;extraIndent&quot;:null}]\">Recueillir son objet et sa nature :<\/p><p data-lfile-container=\"a2a11e93-e7ad-477f-bf2a-4551f194c8ab\" data-pm-slice=\"1 1 [&quot;list&quot;,{&quot;bid&quot;:&quot;m6b5cc70pd2.3186&quot;,&quot;suggestId&quot;:null,&quot;suggestOp&quot;:null,&quot;suggestSet&quot;:null,&quot;suggestWas&quot;:null,&quot;suggestFrom&quot;:null,&quot;kind&quot;:&quot;ordered&quot;,&quot;start&quot;:null,&quot;numbering&quot;:null},&quot;listItem&quot;,{&quot;bid&quot;:&quot;m6b5cc70pd2.3710&quot;,&quot;suggestId&quot;:null,&quot;suggestOp&quot;:null,&quot;suggestSet&quot;:null,&quot;suggestWas&quot;:null,&quot;suggestFrom&quot;:null,&quot;checked&quot;:null,&quot;extraIndent&quot;:null}]\">Activit\u00e9 du client, origine des fonds, montants attendus.<\/p><p data-lfile-container=\"a2a11e93-e7ad-477f-bf2a-4551f194c8ab\" data-pm-slice=\"1 1 [&quot;list&quot;,{&quot;bid&quot;:&quot;m6b5cc70pd2.3186&quot;,&quot;suggestId&quot;:null,&quot;suggestOp&quot;:null,&quot;suggestSet&quot;:null,&quot;suggestWas&quot;:null,&quot;suggestFrom&quot;:null,&quot;kind&quot;:&quot;ordered&quot;,&quot;start&quot;:null,&quot;numbering&quot;:null},&quot;listItem&quot;,{&quot;bid&quot;:&quot;m6b5cc70pd2.3710&quot;,&quot;suggestId&quot;:null,&quot;suggestOp&quot;:null,&quot;suggestSet&quot;:null,&quot;suggestWas&quot;:null,&quot;suggestFrom&quot;:null,&quot;checked&quot;:null,&quot;extraIndent&quot;:null}]\">C\u2019est ce qui permet ensuite de rep\u00e9rer une op\u00e9ration qui ne colle pas au profil d\u00e9crit ou pr\u00e9sent\u00e9 par le client.<\/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-3deee65 betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"3deee65\" 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<h3 id=\"exercer-une-vigilance-constante-article-l-561-6\" class=\"elementor-heading-title elementor-size-default\">Exercer une vigilance constante (article L.561-6).<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4db1545 elementor-widget elementor-widget-text-editor\" data-id=\"4db1545\" 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 data-lfile-container=\"a2a11e93-e7ad-477f-bf2a-4551f194c8ab\" data-pm-slice=\"1 1 [&quot;list&quot;,{&quot;bid&quot;:&quot;m6b5cc70pd2.3186&quot;,&quot;suggestId&quot;:null,&quot;suggestOp&quot;:null,&quot;suggestSet&quot;:null,&quot;suggestWas&quot;:null,&quot;suggestFrom&quot;:null,&quot;kind&quot;:&quot;ordered&quot;,&quot;start&quot;:null,&quot;numbering&quot;:null},&quot;listItem&quot;,{&quot;bid&quot;:&quot;m6b5cc70pd2.3940&quot;,&quot;suggestId&quot;:null,&quot;suggestOp&quot;:null,&quot;suggestSet&quot;:null,&quot;suggestWas&quot;:null,&quot;suggestFrom&quot;:null,&quot;checked&quot;:null,&quot;extraIndent&quot;:null}]\">Surveiller les op\u00e9rations pendant toute la relation et tenir le dossier \u00e0 jour : documents expir\u00e9s, changement d\u2019actionnaire, nouvelle activit\u00e9.<\/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-5a970a2 elementor-widget elementor-widget-text-editor\" data-id=\"5a970a2\" 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 data-lfile-container=\"a2a11e93-e7ad-477f-bf2a-4551f194c8ab\" data-pm-slice=\"1 1 []\">En pratique, ces quatre obligations se traduisent par une <strong>proc\u00e9dure KYC<\/strong> document\u00e9e et par la collecte des <strong>justificatifs adapt\u00e9s<\/strong>.<\/p><p>En r\u00e9alit\u00e9, le plus simple est de ne demander \u00e0 votre client qu\u2019une seule chose de <a href=\"https:\/\/clustdoc.com\/fr\/solutions\/logiciel-kyc\/\">suivre un parcours KYC<\/a> con\u00e7u pour r\u00e9pondre \u00e0 ces exigences s&#8217;imposant \u00e0 votre m\u00e9tier.<\/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-2f48f16 elementor-widget elementor-widget-image\" data-id=\"2f48f16\" 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=\"681\" src=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/11\/Portail-client-Clustdoc-1024x726.png\" class=\"attachment-large size-large wp-image-55897\" alt=\"\" srcset=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/11\/Portail-client-Clustdoc-1024x726.png 1024w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/11\/Portail-client-Clustdoc-300x213.png 300w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/11\/Portail-client-Clustdoc-768x545.png 768w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/11\/Portail-client-Clustdoc-1536x1090.png 1536w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/11\/Portail-client-Clustdoc-595xh.png 595w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/11\/Portail-client-Clustdoc.png 1748w\" 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-b05e6a5 elementor-widget elementor-widget-text-editor\" data-id=\"b05e6a5\" 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>Avec l&#8217;outil Clustdoc, plut\u00f4t que d\u2019\u00e9changer cinq e-mails pour obtenir sa pi\u00e8ce d\u2019identit\u00e9, puis son Kbis, puis l\u2019identit\u00e9 de ses actionnaires, vous lui envoyez un lien vers un portail client s\u00e9curis\u00e9 qui lui demande exactement les pi\u00e8ces pr\u00e9vues pour son profil :\u00a0 les justificatifs, les r\u00e9ponses sur l\u2019objet de la relation et la v\u00e9rification d\u2019identit\u00e9 arrivent au m\u00eame endroit, dans le dossier du client.<\/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-7171d8b betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"7171d8b\" 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<h2 id=\"lapproche-par-les-risques-trois-niveaux-de-vigilance\" class=\"elementor-heading-title elementor-size-default\">L\u2019approche par les risques : trois niveaux de vigilance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5491a1 elementor-widget elementor-widget-text-editor\" data-id=\"b5491a1\" 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 data-lfile-container=\"a2a11e93-e7ad-477f-bf2a-4551f194c8ab\" data-pm-slice=\"1 1 []\">Le Code mon\u00e9taire et financier ne demande pas la m\u00eame chose pour tous les clients. En tant que professionnel concern\u00e9, vous devez classer vos relations selon le risque qu\u2019elles pr\u00e9sentent (article L.561-4-1) et adapter vos mesures en cons\u00e9quence.<\/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-bfdca57 elementor-widget elementor-widget-image\" data-id=\"bfdca57\" 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=\"348\" src=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/Capture-decran-2026-11-13-a-23.10.32-1024x371.png\" class=\"attachment-large size-large wp-image-66196\" alt=\"\" srcset=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/Capture-decran-2026-11-13-a-23.10.32-1024x371.png 1024w, https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/Capture-decran-2026-11-13-a-23.10.32-300x109.png 300w, https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/Capture-decran-2026-11-13-a-23.10.32-768x278.png 768w, https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/Capture-decran-2026-11-13-a-23.10.32-595xh.png 595w, https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/Capture-decran-2026-11-13-a-23.10.32.png 1330w\" 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-b382631 elementor-widget elementor-widget-text-editor\" data-id=\"b382631\" 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 data-lfile-container=\"a2a11e93-e7ad-477f-bf2a-4551f194c8ab\" data-pm-slice=\"1 1 []\">La classification doit \u00eatre \u00e9crite et justifi\u00e9e. <br \/>Par exemple, le crit\u00e8res retenus (type de client, produit, canal d\u2019entr\u00e9e en relation, pays), le niveau attribu\u00e9 \u00e0 chaque client, et la r\u00e9vision quand la situation change.<\/p><p>Le pi\u00e8ge, c\u2019est que cette classification reste souvent dans la plupart des entreprises, r\u00e9duite \u00e0 l&#8217;utilisation un document Word que personne ne relit au moment d\u2019ouvrir un dossier.<\/p><p>Pour qu\u2019elle serve vraiment, elle devrait s\u2019appliquer de mani\u00e8re syst\u00e9matique.<\/p><p>Dans Clustdoc, il est possible selon les r\u00e9ponses de votre client (type de client, activit\u00e9, pays) de lui assigner un niveau de risque pr\u00e9cis et de lui demander les pi\u00e8ces justificatives correspondantes.<\/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-0a37f8c elementor-widget elementor-widget-image\" data-id=\"0a37f8c\" 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=\"991\" src=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/Customer-scoring-2-992x1024.png\" class=\"attachment-large size-large wp-image-66201\" alt=\"\" srcset=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/Customer-scoring-2-992x1024.png 992w, https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/Customer-scoring-2-291x300.png 291w, https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/Customer-scoring-2-768x793.png 768w, https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/Customer-scoring-2-1488x1536.png 1488w, https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/Customer-scoring-2-1984x2048.png 1984w, https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/Customer-scoring-2-595xh.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-87cdb24 elementor-widget elementor-widget-text-editor\" data-id=\"87cdb24\" 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>C\u2019est le r\u00f4le du scoring client dans Clustdoc : vous fixez vos crit\u00e8res une fois, et chaque nouveau dossier suit le bon niveau de vigilance.<\/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-b46c4a8 betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"b46c4a8\" 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<h2 id=\"les-situations-qui-exigent-une-vigilance-accrue\" class=\"elementor-heading-title elementor-size-default\">Les situations qui exigent une vigilance accrue<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-81579bc elementor-widget elementor-widget-text-editor\" data-id=\"81579bc\" 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 data-lfile-container=\"a2a11e93-e7ad-477f-bf2a-4551f194c8ab\" data-pm-slice=\"1 1 []\">Certaines situations imposent des mesures suppl\u00e9mentaires, quel que soit le profil du client.<\/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-d427d01 betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"d427d01\" 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<h3 id=\"les-personnes-politiquement-exposees-ppe\" class=\"elementor-heading-title elementor-size-default\">Les personnes politiquement expos\u00e9es (PPE)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f6b29e elementor-widget elementor-widget-text-editor\" data-id=\"1f6b29e\" 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>Un client qui exerce ou a exerc\u00e9 une fonction publique importante, ou un proche de cette personne. Il faut l\u2019identifier, obtenir l\u2019accord d\u2019un membre de la direction pour entrer en relation, et \u00e9tablir l\u2019origine du patrimoine et des fonds (articles L.561-10 et R.561-20-2).<\/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-b0c321c betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"b0c321c\" 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<h3 id=\"les-pays-a-risque\" class=\"elementor-heading-title elementor-size-default\">Les pays \u00e0 risque<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4aea353 elementor-widget elementor-widget-text-editor\" data-id=\"4aea353\" 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>Une relation ou une op\u00e9ration li\u00e9e \u00e0 un pays figurant sur les <a href=\"https:\/\/www.fatf-gafi.org\/fr\/countries\/liste-noire-et-liste-gris.html\" target=\"_blank\" rel=\"noopener\">listes du GAFI<\/a> ou de la Commission europ\u00e9enne.<\/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-a9d59a0 betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"a9d59a0\" 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<h3 id=\"les-operations-complexes-ou-inhabituelles\" class=\"elementor-heading-title elementor-size-default\">Les op\u00e9rations complexes ou inhabituelles<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d377827 elementor-widget elementor-widget-text-editor\" data-id=\"d377827\" 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>Un montant anormalement \u00e9lev\u00e9 ou une op\u00e9ration sans justification \u00e9conomique apparente. Il faut se renseigner sur l\u2019origine des fonds et la destination des sommes, et consigner les r\u00e9sultats.<\/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-1129fb2 betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"1129fb2\" 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<h3 id=\"le-gel-des-avoirs\" class=\"elementor-heading-title elementor-size-default\">Le gel des avoirs<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e99142 elementor-widget elementor-widget-text-editor\" data-id=\"5e99142\" 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>Avant toute op\u00e9ration, v\u00e9rifier que le client ou son b\u00e9n\u00e9ficiaire effectif ne figure pas sur une liste de sanctions..<\/p><p>Quand un doute persiste malgr\u00e9 ces mesures, vos \u00e9quipes devront envisager une <a href=\"https:\/\/www.economie.gouv.fr\/tracfin\/lanceur-dalerte-tracfin-recoit-vos-signalements\" target=\"_blank\" rel=\"noopener\">d\u00e9claration de soup\u00e7on \u00e0 Tracfin<\/a>.<\/p><p>Dans ces cas-l\u00e0, ce qui compte surtout, c\u2019est que la d\u00e9cision ne repose pas sur une seule personne et qu\u2019elle laisse une trace.<\/p><p>Si vous utilisez Clustdoc, vous pouvez envoyer les dossiers PPE ou \u00e0 risque \u00e9lev\u00e9 vers un circuit de validation o\u00f9 votre responsable conformit\u00e9, ou un membre de la direction, doit donner son accord.<\/p><p>Vous gardez ainsi une trace \u00e9crite de qui a valid\u00e9, et quand dans le cadre de vos dossiers.<\/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-043e9de betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"043e9de\" 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<h2 id=\"et-quand-la-vigilance-est-impossible-comment-la-prouver\" class=\"elementor-heading-title elementor-size-default\">Et quand la vigilance est impossible, comment la prouver ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fb75d2 elementor-widget elementor-widget-text-editor\" data-id=\"3fb75d2\" 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 data-lfile-container=\"a2a11e93-e7ad-477f-bf2a-4551f194c8ab\" data-pm-slice=\"1 1 []\"><strong>Pas de vigilance, pas de relation.<\/strong> Si vous ne parvenez pas \u00e0 identifier un client ou \u00e0 conna\u00eetre l\u2019objet de la relation, vous ne devez ni entrer en relation, ni ex\u00e9cuter l\u2019op\u00e9ration, et vous devez mettre fin \u00e0 une relation existante (article L.561-8).<\/p><p data-lfile-container=\"a2a11e93-e7ad-477f-bf2a-4551f194c8ab\" data-pm-slice=\"1 1 []\">Aussi, vous pourrez appr\u00e9cier s\u2019il y a lieu de faire une d\u00e9claration \u00e0 Tracfin.<\/p><p><strong>Tout conserver cinq ans.<\/strong> Les documents d\u2019identification et les informations recueillies doivent \u00eatre conserv\u00e9s cinq ans \u00e0 compter de la fin de la relation d\u2019affaires, et ceux relatifs aux op\u00e9rations cinq ans \u00e0 compter de leur ex\u00e9cution (article L.561-12).<\/p><p><strong>Une vigilance qui ne laisse pas de trace n\u2019existe pas.<\/strong> Lors d\u2019un contr\u00f4le, on ne vous demandera de d\u00e9montrer la conformit\u00e9 de vos op\u00e9rations : quelle pi\u00e8ce, re\u00e7ue quand, v\u00e9rifi\u00e9e par qui, selon quel niveau de risque, avec quelle mise \u00e0 jour. Un dossier client complet est d\u2019abord une cha\u00eene de preuves..<\/p><p>Autrement dit, votre meilleur alli\u00e9 le jour du contr\u00f4le, c\u2019est un outil d\u00e9di\u00e9 qui d\u00e9montre comment le dossier qui s\u2019est constitu\u00e9 au fil de l\u2019eau.<\/p><p>Quand chaque demande, chaque relance et chaque validation passent par Clustdoc, l\u2019historique est d\u00e9j\u00e0 l\u00e0 : vous n\u2019avez pas \u00e0 reconstituer les \u00e9changes \u00e0 partir de vos e-mails.<\/p><p>Et tant qu\u2019une pi\u00e8ce manque, le dossier ne peut pas avancer, ce qui revient \u00e0 appliquer la r\u00e8gle \u00ab pas de vigilance, pas de relation \u00bb sans m\u00eame y penser.<\/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-3eb5ee0 betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"3eb5ee0\" 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<h2 id=\"controles-et-sanctions\" class=\"elementor-heading-title elementor-size-default\">Contr\u00f4les et sanctions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c6b7a74 elementor-widget elementor-widget-text-editor\" data-id=\"c6b7a74\" 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 data-lfile-container=\"a2a11e93-e7ad-477f-bf2a-4551f194c8ab\" data-pm-slice=\"1 1 []\">Vous l&#8217;aurez compris, le contr\u00f4le d\u00e9pend de votre profession. L\u2019ACPR contr\u00f4le les banques, assurances et interm\u00e9diaires financiers ; l\u2019AMF, les acteurs de la gestion d\u2019actifs ; les ordres et chambres, les professions r\u00e9glement\u00e9es du chiffre et du droit.<\/p><p data-lfile-container=\"a2a11e93-e7ad-477f-bf2a-4551f194c8ab\" data-pm-slice=\"1 1 []\">Pour d\u2019autres professions, comme les agents immobiliers, les manquements constat\u00e9s sont sanctionn\u00e9s par la Commission nationale des sanctions (article L.561-38).<\/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-94c0e83 betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"94c0e83\" 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<h3 id=\"quelles-sanctions\" class=\"elementor-heading-title elementor-size-default\">Quelles sanctions ? <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca5504e elementor-widget elementor-widget-text-editor\" data-id=\"ca5504e\" 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>Les sanctions vont de l\u2019avertissement \u00e0 l\u2019interdiction d\u2019exercer, avec des sanctions p\u00e9cuniaires et leur publication possible.<\/p><p>Les d\u00e9cisions publi\u00e9es montrent que les manquements les plus souvent relev\u00e9s ne sont pas l\u2019absence de proc\u00e9dure, mais son application : dossiers clients incomplets, b\u00e9n\u00e9ficiaires effectifs non identifi\u00e9s, mises \u00e0 jour non faites, classification des risques non document\u00e9e.<\/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-7562f59 betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"7562f59\" 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<h2 id=\"ce-qui-change-le-10-juillet-2027\" class=\"elementor-heading-title elementor-size-default\">Ce qui change le 10 juillet 2027<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36fa436 elementor-widget elementor-widget-text-editor\" data-id=\"36fa436\" 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 data-lfile-container=\"a2a11e93-e7ad-477f-bf2a-4551f194c8ab\" data-pm-slice=\"1 1 []\">Le r\u00e8glement europ\u00e9en (UE) 2024\/1624, dit AMLR, s\u2019appliquera directement dans tous les \u00c9tats membres \u00e0 partir du 10 juillet 2027.<\/p><p data-lfile-container=\"a2a11e93-e7ad-477f-bf2a-4551f194c8ab\" data-pm-slice=\"1 1 []\">Il remplacera l\u2019essentiel des r\u00e8gles nationales issues des directives par un socle commun : champ des entit\u00e9s assujetties, proc\u00e9dures internes, obligations de vigilance, b\u00e9n\u00e9ficiaires effectifs.<\/p><p>Ce qu\u2019il faut retenir pour un professionnel fran\u00e7ais :<\/p><p>\u2022 les obligations de vigilance restent dans leur logique actuelle, mais leurs modalit\u00e9s seront fix\u00e9es par un texte europ\u00e9en unique, compl\u00e9t\u00e9 par les normes techniques de l\u2019autorit\u00e9 europ\u00e9enne AMLA ;<\/p><p>\u2022 la d\u00e9finition des PPE s\u2019\u00e9largit, notamment aux responsables de collectivit\u00e9s r\u00e9gionales et locales, selon l\u2019ACPR ;<\/p><p>\u2022 d\u2019ici l\u00e0, ce sont toujours les articles L.561-1 et suivants du Code mon\u00e9taire et financier qui s\u2019appliquent.<\/p><p>Pr\u00e9parer 2027, c\u2019est d\u2019abord avoir des dossiers clients complets et \u00e0 jour aujourd\u2019hui.<\/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-ee7c8df betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"ee7c8df\" 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<h2 id=\"lutte-contre-le-blanchiment-et-le-financement-du-terrorisme-questions-frequentes\" class=\"elementor-heading-title elementor-size-default\">Lutte contre le blanchiment et le financement du terrorisme : questions fr\u00e9quentes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9bea06 uael-faq-box-layout-yes align-at-left elementor-widget elementor-widget-uael-faq\" data-id=\"d9bea06\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-faq.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t\t<div id='uael-faq-wrapper-228' class=\"uael-faq-wrapper\">\n\t\t\t\t<div class=\"uael-faq-container uael-faq-layout-accordion\" data-layout=\"accordion\" >\n\t\t\t\t\t\t\t\t\t\t\t\t<div id=\"uael-accordion-8aa24d6\" class=\"uael-faq-accordion\" role=\"tablist\">\n\t\t\t\t\t\t\t\t<div class= \"uael-accordion-title\" aria-expanded=\"false\" role=\"tab\">\n\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon uael-accordion-icon-left\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon-closed\"><i class=\"fas fa-angle-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon-opened\"><i class=\"fas fa-angle-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"uael-question-8aa24d6 uael-question-span\" tabindex=\"0\" id=\"uael-faq-1-6af901fde7c25\">Que signifie LCB-FT ?<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-accordion-content\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t<span><p data-lfile-container=\"69913bca-9624-4045-b1cc-b1eda8478085\" data-pm-slice=\"1 1 []\">LCB-FT signifie lutte contre le blanchiment de capitaux et le financement du terrorisme. Le sigle d\u00e9signe l'ensemble des r\u00e8gles, en France surtout dans le Code mon\u00e9taire et financier, qui obligent certains professionnels \u00e0 conna\u00eetre leur client\u00e8le, \u00e0 surveiller les op\u00e9rations et \u00e0 d\u00e9clarer leurs soup\u00e7ons \u00e0 Tracfin.<\/p><\/span>\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div id=\"uael-accordion-e51b8b2\" class=\"uael-faq-accordion\" role=\"tablist\">\n\t\t\t\t\t\t\t\t<div class= \"uael-accordion-title\" aria-expanded=\"false\" role=\"tab\">\n\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon uael-accordion-icon-left\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon-closed\"><i class=\"fas fa-angle-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon-opened\"><i class=\"fas fa-angle-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"uael-question-e51b8b2 uael-question-span\" tabindex=\"0\" id=\"uael-faq-2-6af901fde7d1c\">Qu'est-ce que la vigilance renforc\u00e9e, et \u00e0 qui s'applique-t-elle ?<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-accordion-content\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t<span><p data-lfile-container=\"69913bca-9624-4045-b1cc-b1eda8478085\" data-pm-slice=\"1 1 []\">C'est le niveau de mesures le plus exigeant. Elle s'applique quand le risque de blanchiment ou de financement du terrorisme est \u00e9lev\u00e9 : client PPE, relation li\u00e9e \u00e0 un pays \u00e0 haut risque, op\u00e9ration complexe ou inhabituelle (articles L.561-10 \u00e0 L.561-10-2).<\/p><p data-lfile-container=\"69913bca-9624-4045-b1cc-b1eda8478085\" data-pm-slice=\"1 1 []\">Elle implique notamment de v\u00e9rifier l'origine des fonds, d'obtenir l'accord de la direction et de suivre la relation de plus pr\u00e8s.<\/p><\/span>\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div id=\"uael-accordion-a0fb012\" class=\"uael-faq-accordion\" role=\"tablist\">\n\t\t\t\t\t\t\t\t<div class= \"uael-accordion-title\" aria-expanded=\"false\" role=\"tab\">\n\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon uael-accordion-icon-left\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon-closed\"><i class=\"fas fa-angle-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon-opened\"><i class=\"fas fa-angle-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"uael-question-a0fb012 uael-question-span\" tabindex=\"0\" id=\"uael-faq-3-6af901fde7dd0\">Quel est le seuil de l'obligation de vigilance ?<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-accordion-content\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t<span><p data-lfile-container=\"69913bca-9624-4045-b1cc-b1eda8478085\" data-pm-slice=\"1 1 []\">Pour une relation d'affaires, il n'y en a pas : les mesures s'appliquent d\u00e8s l'entr\u00e9e en relation.<\/p><p data-lfile-container=\"69913bca-9624-4045-b1cc-b1eda8478085\" data-pm-slice=\"1 1 []\">En revanche, pour un client occasionnel, l'identification est obligatoire au-del\u00e0 de 15 000 \u20ac par op\u00e9ration ou op\u00e9rations li\u00e9es, au-del\u00e0 de 10 000 \u20ac pour un paiement en esp\u00e8ces ou en monnaie \u00e9lectronique, et sans seuil pour une transmission de fonds, une location de coffre-fort ou une op\u00e9ration suspecte (article R.561-10).<\/p><p data-lfile-container=\"69913bca-9624-4045-b1cc-b1eda8478085\" data-pm-slice=\"1 1 []\">Certaines activit\u00e9s ont leur propre seuil, comme le change manuel.<\/p><\/span>\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div id=\"uael-accordion-16995ea\" class=\"uael-faq-accordion\" role=\"tablist\">\n\t\t\t\t\t\t\t\t<div class= \"uael-accordion-title\" aria-expanded=\"false\" role=\"tab\">\n\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon uael-accordion-icon-left\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon-closed\"><i class=\"fas fa-angle-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon-opened\"><i class=\"fas fa-angle-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"uael-question-16995ea uael-question-span\" tabindex=\"0\" id=\"uael-faq-4-6af901fde7e4e\">Obligation de vigilance, devoir de vigilance, attestation de vigilance : quelle diff\u00e9rence ?<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-accordion-content\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t<span><p data-lfile-container=\"69913bca-9624-4045-b1cc-b1eda8478085\" data-pm-slice=\"1 1 []\">Ce sont trois notions distinctes. Les obligations de vigilance LCB-FT concernent les professionnels y \u00e9tant assujettis et leur client\u00e8le. L'obligation de vigilance du donneur d'ordre (Code du travail, article L.8222-1) impose \u00e0 toute entreprise qui signe un contrat d'au moins 5 000 \u20ac HT de demander \u00e0 son prestataire une attestation de vigilance URSSAF, puis de la renouveler tous les six mois.\u00a0<\/p><\/span>\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\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-1d72806 elementor-widget elementor-widget-template\" data-id=\"1d72806\" 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-5a55fce elementor-widget elementor-widget-spacer\" data-id=\"5a55fce\" 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-d7ea4fb elementor-widget elementor-widget-author-box\" data-id=\"d7ea4fb\" 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\/2026\/11\/Capture-decran-2025-05-23-a-01.15.13-297x300-1.webp\" alt=\"Image de Claire\" 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=\"claire\" class=\"elementor-author-box__name\">\n\t\t\t\t\t\t\tClaire\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>Claire r\u00e9dige des articles sur l\u2019onboarding client, la digitalisation des processus et les d\u00e9fis quotidiens auxquels sont confront\u00e9es les \u00e9quipes op\u00e9rationnelles. Chez Clustdoc, elle privil\u00e9gie une approche concr\u00e8te et pratique, en explorant la mani\u00e8re dont les organisations collectent les informations, accompagnent leurs clients \u00e0 travers des d\u00e9marches complexes et am\u00e9liorent la qualit\u00e9 de leurs services gr\u00e2ce \u00e0 l\u2019automatisation.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\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-7aa166b6 e-con-full e-flex e-con e-child\" data-id=\"7aa166b6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-99c6d6c e-con-full e-flex e-con e-child\" data-id=\"99c6d6c\" 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-d542b40 elementor-toc--minimized-on-tablet elementor-widget elementor-widget-table-of-contents\" data-id=\"d542b40\" 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__d542b40\" aria-expanded=\"true\" aria-label=\"Ouvrir la table des mati\u00e8res\"><i 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data-id=\"5f55689\" 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=\"58654\" class=\"elementor elementor-58654\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5be33258 e-con-full e-flex e-con e-child\" data-id=\"5be33258\" 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-b02ef2c betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"b02ef2c\" 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 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https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/Procedure-KYC-595x422.png 595w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/Procedure-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=\"procedure-kyc-les-fondamentaux-etapes-cles-et-bonnes-pratiques\" class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/clustdoc.com\/fr\/blog\/procedure-kyc\/\">\n\t\t\t\tProc\u00e9dure KYC : les fondamentaux, \u00e9tapes cl\u00e9s et bonnes pratiques\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\tnovembre 5, 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-48369 post type-post status-publish format-standard has-post-thumbnail hentry category-blog category-digitalisation 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\/documents-rh\/\" tabindex=\"-1\"><div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"300\" height=\"213\" src=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/Cabinet-de-courtage-300x213.png\" class=\"attachment-medium size-medium wp-image-47355\" alt=\"Collecte de documents RH\" srcset=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/Cabinet-de-courtage-300x213.png 300w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/Cabinet-de-courtage-1024x726.png 1024w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/Cabinet-de-courtage-768x545.png 768w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/Cabinet-de-courtage-1536x1090.png 1536w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/Cabinet-de-courtage-595x422.png 595w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/Cabinet-de-courtage.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-digitaliser-les-documents-rh-de-nouveaux-employes\" class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/clustdoc.com\/fr\/blog\/documents-rh\/\">\n\t\t\t\tComment digitaliser les documents RH de nouveaux employ\u00e9s ?\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\tnovembre 5, 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-47991 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\/repondre-aux-avis-negatifs\/\" tabindex=\"-1\"><div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"300\" height=\"213\" src=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/Blog-pictures-63-300x213.png\" class=\"attachment-medium size-medium wp-image-47337\" alt=\"7 mani\u00e8res de r\u00e9pondre aux avis n\u00e9gatifs sur internet\" srcset=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/Blog-pictures-63-300x213.png 300w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/Blog-pictures-63-1024x726.png 1024w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/Blog-pictures-63-768x545.png 768w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/Blog-pictures-63-1536x1090.png 1536w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/Blog-pictures-63-595x422.png 595w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/Blog-pictures-63.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=\"7-manieres-de-repondre-aux-avis-negatifs-sur-internet\" class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/clustdoc.com\/fr\/blog\/repondre-aux-avis-negatifs\/\">\n\t\t\t\t7 mani\u00e8res de r\u00e9pondre aux avis n\u00e9gatifs sur internet\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\tnovembre 5, 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-e262bcd elementor-widget elementor-widget-spacer\" data-id=\"e262bcd\" 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\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Banques, assureurs, experts-comptables, agents immobiliers : si vous \u00eates assujetti \u00e0 la LCB-FT, vous devez savoir qui sont vos clients, adapter vos v\u00e9rifications au risque qu\u2019ils pr\u00e9sentent, et pouvoir le prouver. Ce guide reprend chaque obligation de vigilance, ce qu\u2019elle implique au quotidien et comment l\u2019appliquer sans multiplier les e-mails et les tableurs.<\/p>\n","protected":false},"author":1,"featured_media":66215,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[291,297],"tags":[],"class_list":["post-66189","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\/66189","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\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/clustdoc.com\/fr\/wp-json\/wp\/v2\/comments?post=66189"}],"version-history":[{"count":5,"href":"https:\/\/clustdoc.com\/fr\/wp-json\/wp\/v2\/posts\/66189\/revisions"}],"predecessor-version":[{"id":66367,"href":"https:\/\/clustdoc.com\/fr\/wp-json\/wp\/v2\/posts\/66189\/revisions\/66367"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/clustdoc.com\/fr\/wp-json\/wp\/v2\/media\/66215"}],"wp:attachment":[{"href":"https:\/\/clustdoc.com\/fr\/wp-json\/wp\/v2\/media?parent=66189"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/clustdoc.com\/fr\/wp-json\/wp\/v2\/categories?post=66189"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/clustdoc.com\/fr\/wp-json\/wp\/v2\/tags?post=66189"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}