{"id":66239,"date":"2026-11-14T11:52:46","date_gmt":"2026-11-14T11:52:46","guid":{"rendered":"https:\/\/clustdoc.com\/?p=66239"},"modified":"2026-11-14T12:10:41","modified_gmt":"2026-11-14T12:10:41","slug":"vigilance-renforcee-lcb-ft","status":"publish","type":"post","link":"https:\/\/clustdoc.com\/fr\/blog\/vigilance-renforcee-lcb-ft\/","title":{"rendered":"Vigilance renforc\u00e9e LCB-FT, standard ou simplifi\u00e9e : quel niveau appliquer \u00e0 chaque client ?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"66239\" class=\"elementor elementor-66239\" 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=\"1940\" height=\"1374\" src=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/Capture-decran-2026-11-14-a-12.38.13.png\" class=\"attachment-full size-full wp-image-66343\" alt=\"vigilance renforc\u00e9e lcb ft\" srcset=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/Capture-decran-2026-11-14-a-12.38.13.png 1940w, https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/Capture-decran-2026-11-14-a-12.38.13-300x212.png 300w, https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/Capture-decran-2026-11-14-a-12.38.13-1024x725.png 1024w, https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/Capture-decran-2026-11-14-a-12.38.13-768x544.png 768w, https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/Capture-decran-2026-11-14-a-12.38.13-1536x1088.png 1536w, https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/Capture-decran-2026-11-14-a-12.38.13-595xh.png 595w\" sizes=\"(max-width: 1940px) 100vw, 1940px\" \/>\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=\"vigilance-renforcee-lcb-ft-standard-ou-simplifiee-quel-niveau-appliquer-a-chaque-client\" class=\"elementor-heading-title elementor-size-default\">Vigilance renforc\u00e9e LCB-FT, standard ou simplifi\u00e9e : quel niveau appliquer \u00e0 chaque client ?<\/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=\"c2662b5c-e586-4a6b-9962-ecdaca0ce38f\" data-pm-slice=\"1 1 []\">Tous les clients ou prospects ne pr\u00e9sentent pas le m\u00eame risque de blanchiment de capitaux ou de financement du terrorisme, et la r\u00e9glementation LCB-FT n&#8217;exige heureusement pas de les traiter de la m\u00eame fa\u00e7on.<\/p><p data-lfile-container=\"c2662b5c-e586-4a6b-9962-ecdaca0ce38f\" data-pm-slice=\"1 1 []\">Le Code mon\u00e9taire et financier module les mesures de vigilance selon le risque : vigilance simplifi\u00e9e quand il est faible, standard dans le cas g\u00e9n\u00e9ral, vigilance renforc\u00e9e LCB-FT quand il est \u00e9lev\u00e9, avec en plus des mesures compl\u00e9mentaires impos\u00e9es par la loi dans certaines situations.<\/p><p data-lfile-container=\"c2662b5c-e586-4a6b-9962-ecdaca0ce38f\" data-pm-slice=\"1 1 []\">Choisir le bon niveau fait partie de vos obligations de vigilance, pr\u00e9sent\u00e9es dans notre <a href=\"https:\/\/clustdoc.com\/fr\/blog\/obligations-de-vigilance\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">guide complet<\/a> : en faire trop peut vous co\u00fbter du temps et des clients, en faire trop peu peut vous exposer en cas de contr\u00f4le.<\/p><p data-lfile-container=\"c2662b5c-e586-4a6b-9962-ecdaca0ce38f\" data-pm-slice=\"1 1 []\">Ces r\u00e8gles valent pour tous les professionnels assujettis list\u00e9s \u00e0 l&#8217;article L.561-2 : \u00e9tablissements de cr\u00e9dit et de paiement, entreprises d&#8217;assurance, experts-comptables, agents immobiliers, avocats, entre autres.<\/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=\"les-niveaux-de-vigilance-lcb-ft-en-un-coup-doeil\" class=\"elementor-heading-title elementor-size-default\">Les niveaux de vigilance LCB-FT en un coup d'\u0153il<\/h2>\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\">\n<table style=\"border-collapse: collapse; width: 100%;\">\n<thead>\n<tr style=\"background-color: #e7f1fb;\">\n<th style=\"font-weight: bold; text-align: left; padding: 12px 16px; border: 1px solid #e5e7eb;\" scope=\"col\"><\/th>\n<th style=\"font-weight: bold; text-align: left; padding: 12px 16px; border: 1px solid #e5e7eb;\" scope=\"col\">Vigilance simplifi\u00e9e<\/th>\n<th style=\"font-weight: bold; text-align: left; padding: 12px 16px; border: 1px solid #e5e7eb;\" scope=\"col\">Vigilance standard<\/th>\n<th style=\"font-weight: bold; text-align: left; padding: 12px 16px; border: 1px solid #e5e7eb;\" scope=\"col\">Vigilance renforc\u00e9e et compl\u00e9mentaire<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<th style=\"font-weight: bold; text-align: left; padding: 12px 16px; border: 1px solid #e5e7eb;\" scope=\"row\">Quand<\/th>\n<td style=\"padding: 12px 16px; border: 1px solid #e5e7eb;\">Risque faible, \u00e9tabli et document\u00e9<\/td>\n<td style=\"padding: 12px 16px; border: 1px solid #e5e7eb;\">Le cas g\u00e9n\u00e9ral<\/td>\n<td style=\"padding: 12px 16px; border: 1px solid #e5e7eb;\">Risque \u00e9lev\u00e9, PPE, pays \u00e0 haut risque, op\u00e9ration inhabituelle<\/td>\n<\/tr>\n<tr style=\"background-color: #f6f7f9;\">\n<th style=\"font-weight: bold; text-align: left; padding: 12px 16px; border: 1px solid #e5e7eb;\" scope=\"row\">Identifier et v\u00e9rifier le client<\/th>\n<td style=\"padding: 12px 16px; border: 1px solid #e5e7eb;\">Oui, la v\u00e9rification peut \u00eatre diff\u00e9r\u00e9e<\/td>\n<td style=\"padding: 12px 16px; border: 1px solid #e5e7eb;\">Oui, avant d\u2019entrer en relation<\/td>\n<td style=\"padding: 12px 16px; border: 1px solid #e5e7eb;\">Oui, avec des v\u00e9rifications suppl\u00e9mentaires<\/td>\n<\/tr>\n<tr>\n<th style=\"font-weight: bold; text-align: left; padding: 12px 16px; border: 1px solid #e5e7eb;\" scope=\"row\">Conna\u00eetre la relation d\u2019affaires<\/th>\n<td style=\"padding: 12px 16px; border: 1px solid #e5e7eb;\">All\u00e9g\u00e9<\/td>\n<td style=\"padding: 12px 16px; border: 1px solid #e5e7eb;\">Objet, nature, origine des fonds attendue<\/td>\n<td style=\"padding: 12px 16px; border: 1px solid #e5e7eb;\">Approfondi : origine des fonds et du patrimoine<\/td>\n<\/tr>\n<tr style=\"background-color: #f6f7f9;\">\n<th style=\"font-weight: bold; text-align: left; padding: 12px 16px; border: 1px solid #e5e7eb;\" scope=\"row\">Suivi de la relation<\/th>\n<td style=\"padding: 12px 16px; border: 1px solid #e5e7eb;\">All\u00e9g\u00e9<\/td>\n<td style=\"padding: 12px 16px; border: 1px solid #e5e7eb;\">Vigilance constante<\/td>\n<td style=\"padding: 12px 16px; border: 1px solid #e5e7eb;\">Renforc\u00e9, mises \u00e0 jour plus fr\u00e9quentes<\/td>\n<\/tr>\n<tr>\n<th style=\"font-weight: bold; text-align: left; padding: 12px 16px; border: 1px solid #e5e7eb;\" scope=\"row\">Validation<\/th>\n<td style=\"padding: 12px 16px; border: 1px solid #e5e7eb;\">Habituelle<\/td>\n<td style=\"padding: 12px 16px; border: 1px solid #e5e7eb;\">Habituelle<\/td>\n<td style=\"padding: 12px 16px; border: 1px solid #e5e7eb;\">Accord d\u2019un membre de la direction pour les PPE<\/td>\n<\/tr>\n<tr style=\"background-color: #f6f7f9;\">\n<th style=\"font-weight: bold; text-align: left; padding: 12px 16px; border: 1px solid #e5e7eb;\" scope=\"row\">Textes<\/th>\n<td style=\"padding: 12px 16px; border: 1px solid #e5e7eb;\">L.561-9 et R.561-14-1<\/td>\n<td style=\"padding: 12px 16px; border: 1px solid #e5e7eb;\">L.561-5, L.561-5-1, L.561-6<\/td>\n<td style=\"padding: 12px 16px; border: 1px solid #e5e7eb;\">L.561-10, L.561-10-1, L.561-10-2<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/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-cf2ae33 betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"cf2ae33\" 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=\"vigilance-simplifiee-alleger-les-mesures-pas-les-supprimer\" class=\"elementor-heading-title elementor-size-default\">Vigilance simplifi\u00e9e : all\u00e9ger les mesures, pas les supprimer<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c6577a3 elementor-widget elementor-widget-text-editor\" data-id=\"c6577a3\" 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=\"c2662b5c-e586-4a6b-9962-ecdaca0ce38f\" data-pm-slice=\"1 1 []\">La vigilance simplifi\u00e9e s&#8217;applique quand le risque de blanchiment de capitaux para\u00eet faible (article L.561-9). Ce n&#8217;est pas une dispense : vous devez toujours identifier votre client et son b\u00e9n\u00e9ficiaire effectif, et v\u00e9rifier leur identit\u00e9. Ce qui change, c&#8217;est que cette v\u00e9rification peut \u00eatre diff\u00e9r\u00e9e, et que les autres mesures de vigilance, comme le recueil d&#8217;informations sur la relation d&#8217;affaires ou son suivi, peuvent \u00eatre all\u00e9g\u00e9es (article R.561-14-1).<\/p><p>En pratique, elle concerne des clients dont le profil est transparent et contr\u00f4l\u00e9 par ailleurs : par exemple une soci\u00e9t\u00e9 cot\u00e9e sur un march\u00e9 r\u00e9glement\u00e9 ou une autorit\u00e9 publique.<\/p><p data-lfile-container=\"c2662b5c-e586-4a6b-9962-ecdaca0ce38f\" data-pm-slice=\"1 3 []\">Trois r\u00e8gles \u00e0 retenir :<\/p><p style=\"padding-left: 40px;\"><strong>\u2022 Le risque faible doit \u00eatre justifi\u00e9.<\/strong> Vous devez pouvoir expliquer, dossier par dossier, pourquoi vous l&#8217;avez retenu.<\/p><p style=\"padding-left: 40px;\"><strong>\u2022 Elle tombe d\u00e8s qu&#8217;un doute appara\u00eet.<\/strong> Un soup\u00e7on de blanchiment, une transaction inhabituelle ou un changement dans la situation du client vous font repasser au niveau standard ou renforc\u00e9.<\/p><p style=\"padding-left: 40px;\"><strong>\u2022 Elle reste sous surveillance.<\/strong> Un client \u00e0 faible risque aujourd&#8217;hui ne l&#8217;est pas forc\u00e9ment dans deux ans.<\/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-a08302b betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"a08302b\" 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=\"vigilance-standard-le-socle-de-la-connaissance-de-la-clientele\" class=\"elementor-heading-title elementor-size-default\">Vigilance standard : le socle de la connaissance de la client\u00e8le<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ebe82a elementor-widget elementor-widget-text-editor\" data-id=\"8ebe82a\" 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=\"c2662b5c-e586-4a6b-9962-ecdaca0ce38f\" data-pm-slice=\"1 1 []\">C&#8217;est le niveau par d\u00e9faut pour la majorit\u00e9 de votre client\u00e8le, et le socle de toutes les obligations de vigilance. Avant d&#8217;entrer en relation d&#8217;affaires, vous identifiez le client et v\u00e9rifiez son identit\u00e9 (article L.561-5) : pi\u00e8ce d&#8217;identit\u00e9 pour une personne physique ; Kbis de moins de trois mois et identit\u00e9 du repr\u00e9sentant pour une entreprise ; identification du b\u00e9n\u00e9ficiaire effectif.<\/p><p>Vous recueillez aussi les informations sur l&#8217;objet et la nature de la relation d&#8217;affaires (article L.561-5-1) : activit\u00e9 du client, transactions attendues, origine des fonds. Ces informations, base de la connaissance de la client\u00e8le, vous permettront, plus tard, de rep\u00e9rer une op\u00e9ration qui ne colle pas au profil.<\/p><p>Enfin, la vigilance est constante (article L.561-6) : vous suivez les op\u00e9rations pendant toute la relation et tenez \u00e0 jour les donn\u00e9es du dossier quand un document expire ou que la situation du client change.<\/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-9952a31 betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"9952a31\" 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=\"vigilance-renforcee-lcb-ft-des-obligations-de-vigilance-plus-strictes-quand-le-risque-est-eleve\" class=\"elementor-heading-title elementor-size-default\">Vigilance renforc\u00e9e LCB -FT : des obligations de vigilance plus strictes quand le risque est \u00e9lev\u00e9<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e299a6 elementor-widget elementor-widget-text-editor\" data-id=\"8e299a6\" 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=\"c2662b5c-e586-4a6b-9962-ecdaca0ce38f\" data-pm-slice=\"1 1 []\">Le terme recouvre en r\u00e9alit\u00e9 trois m\u00e9canismes distincts, qui peuvent se cumuler.<\/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-792ea8a betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"792ea8a\" 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=\"1-les-mesures-de-vigilance-renforcees-article-l-561-10-1\" class=\"elementor-heading-title elementor-size-default\">1. Les mesures de vigilance renforc\u00e9es (article L.561-10-1)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75b2124 elementor-widget elementor-widget-text-editor\" data-id=\"75b2124\" 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=\"c2662b5c-e586-4a6b-9962-ecdaca0ce38f\" data-pm-slice=\"1 1 []\">Quand votre propre \u00e9valuation fait appara\u00eetre un risque \u00e9lev\u00e9 pour un client, un produit ou une transaction, vous appliquez les m\u00eames obligations de vigilance que pour la vigilance standard, mais avec un degr\u00e9 d&#8217;exigence plus \u00e9lev\u00e9 : plus de justificatifs, des informations plus pr\u00e9cises sur l&#8217;origine des fonds, des mises \u00e0 jour plus fr\u00e9quentes, un suivi plus serr\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-6029999 betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"6029999\" 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=\"2-les-mesures-de-vigilance-complementaires-article-l-561-10\" class=\"elementor-heading-title elementor-size-default\">2. Les mesures de vigilance compl\u00e9mentaires (article L.561-10)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bbe7ff1 elementor-widget elementor-widget-text-editor\" data-id=\"bbe7ff1\" 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=\"c2662b5c-e586-4a6b-9962-ecdaca0ce38f\" data-pm-slice=\"1 1 []\">Dans certaines situations, c&#8217;est la loi qui impose des mesures suppl\u00e9mentaires, quel que soit le r\u00e9sultat de votre analyse :<\/p><p style=\"padding-left: 40px;\">\u2022 le client, ou son b\u00e9n\u00e9ficiaire effectif, est une personne politiquement expos\u00e9e (PPE) ou un proche ;<\/p><p style=\"padding-left: 40px;\">\u2022 la relation d&#8217;affaires implique un pays tiers \u00e0 haut risque d\u00e9sign\u00e9 par l&#8217;Union europ\u00e9enne ou le GAFI ;<\/p><p style=\"padding-left: 40px;\">\u2022 le produit ou la transaction favorise l&#8217;anonymat.<\/p><p>Les conditions d&#8217;application sont pr\u00e9cis\u00e9es par d\u00e9cret. Pour une PPE en particulier, la d\u00e9cision d&#8217;entrer en relation revient \u00e0 un membre de la direction, et vous devez rechercher l&#8217;origine du patrimoine et des fonds.<\/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-ced0fbd betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"ced0fbd\" 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=\"3-lexamen-renforce-de-certaines-operations-article-l-561-10-2\" class=\"elementor-heading-title elementor-size-default\">3. L'examen renforc\u00e9 de certaines op\u00e9rations (article L.561-10-2)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4cdfe6 elementor-widget elementor-widget-text-editor\" data-id=\"e4cdfe6\" 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=\"c2662b5c-e586-4a6b-9962-ecdaca0ce38f\" data-pm-slice=\"1 1 []\">Toute op\u00e9ration particuli\u00e8rement complexe, d&#8217;un montant inhabituellement \u00e9lev\u00e9, ou sans justification \u00e9conomique ou objet licite apparent doit faire l&#8217;objet d&#8217;un examen renforc\u00e9.<\/p><p data-lfile-container=\"c2662b5c-e586-4a6b-9962-ecdaca0ce38f\" data-pm-slice=\"1 1 []\">Vous vous renseignez sur l&#8217;origine des fonds, leur destination et l&#8217;objet de la transaction, et vous consignez le r\u00e9sultat.<\/p><p data-lfile-container=\"c2662b5c-e586-4a6b-9962-ecdaca0ce38f\" data-pm-slice=\"1 1 []\">Si le soup\u00e7on persiste, la question d&#8217;une d\u00e9claration \u00e0 Tracfin, la cellule de renseignement financier, se pose.<\/p><p>En pratique, la difficult\u00e9 n&#8217;est pas de savoir quoi demander, mais de s&#8217;assurer que personne ne valide un dossier \u00e0 risque \u00e9lev\u00e9 trop vite.<\/p><p>Avec Clustdoc, vous pouvez envoyer automatiquement ces dossiers vers un <a href=\"https:\/\/clustdoc.com\/fr\/produits\/workflow-de-validation\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">circuit de validation<\/a> d\u00e9di\u00e9 : les pi\u00e8ces compl\u00e9mentaires sont demand\u00e9es au client, et le dossier n&#8217;est approuv\u00e9 qu&#8217;avec l&#8217;accord du responsable que vous avez d\u00e9sign\u00e9, dont le nom et la date restent attach\u00e9s au dossier.<\/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-4d87b3d betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"4d87b3d\" 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=\"comment-classer-vos-clients-lapproche-par-les-risques\" class=\"elementor-heading-title elementor-size-default\">Comment classer vos clients : l'approche par les risques<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a87b06 elementor-widget elementor-widget-text-editor\" data-id=\"6a87b06\" 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=\"c2662b5c-e586-4a6b-9962-ecdaca0ce38f\" data-pm-slice=\"1 1 []\">Le niveau de vigilance d\u00e9coule de votre classification des risques, base de toute approche par les risques en mati\u00e8re de lutte contre le blanchiment. Elle croise g\u00e9n\u00e9ralement quatre familles de crit\u00e8res :<\/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-f6f7234 elementor-widget elementor-widget-image\" data-id=\"f6f7234\" 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=\"552\" src=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/criteres-classification-risques-lcb-ft-clustdoc-sobre-1024x589.png\" class=\"attachment-large size-large wp-image-66335\" alt=\"\" srcset=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/criteres-classification-risques-lcb-ft-clustdoc-sobre-1024x589.png 1024w, https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/criteres-classification-risques-lcb-ft-clustdoc-sobre-300x173.png 300w, https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/criteres-classification-risques-lcb-ft-clustdoc-sobre-768x442.png 768w, https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/criteres-classification-risques-lcb-ft-clustdoc-sobre-1536x883.png 1536w, https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/criteres-classification-risques-lcb-ft-clustdoc-sobre-2048x1178.png 2048w, https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/criteres-classification-risques-lcb-ft-clustdoc-sobre-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-9e5d959 elementor-widget elementor-widget-text-editor\" data-id=\"9e5d959\" 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=\"241e815f-fe89-401c-a4a8-d2b30d54722c\" data-pm-slice=\"1 1 []\">Cette classification doit \u00eatre \u00e9crite, appliqu\u00e9e \u00e0 chaque client et r\u00e9vis\u00e9e quand sa situation change.<\/p><p>C\u2019est l\u00e0 que la plupart des dispositifs flanchent : la grille existe dans un document, mais au moment d\u2019ouvrir un dossier, c\u2019est la personne qui le traite qui d\u00e9cide, de m\u00e9moire.<\/p><p>Une bonne pratique serait de laisser les r\u00e9ponses du client d\u00e9terminer son niveau. Avec le<a href=\"https:\/\/clustdoc.com\/fr\/produits\/scoring-client\/\"> scoring client de Clustdoc<\/a>, vous traduisez vos crit\u00e8res en r\u00e8gles une fois pour toutes : chaque nouveau dossier re\u00e7oit son niveau de risque, et le parcours demande les pi\u00e8ces qui correspondent. Vous n\u2019avez plus \u00e0 v\u00e9rifier que la grille a \u00e9t\u00e9 appliqu\u00e9e : elle l\u2019est par construction.<\/p><h2 id=\"\">\u00a0<\/h2>\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-94ac94a elementor-widget elementor-widget-image\" data-id=\"94ac94a\" 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\/2023\/06\/NEW-WEBSITE-ILLUSTRATIONS-1-1024x726.png\" class=\"attachment-large size-large wp-image-37431\" alt=\"Evaluez la performance de vos d\u00e9marches en ligne avec Clustdoc\" srcset=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2023\/06\/NEW-WEBSITE-ILLUSTRATIONS-1-1024x726.png 1024w, https:\/\/clustdoc.com\/wp-content\/uploads\/2023\/06\/NEW-WEBSITE-ILLUSTRATIONS-1-300x213.png 300w, https:\/\/clustdoc.com\/wp-content\/uploads\/2023\/06\/NEW-WEBSITE-ILLUSTRATIONS-1-768x545.png 768w, https:\/\/clustdoc.com\/wp-content\/uploads\/2023\/06\/NEW-WEBSITE-ILLUSTRATIONS-1-1536x1090.png 1536w, https:\/\/clustdoc.com\/wp-content\/uploads\/2023\/06\/NEW-WEBSITE-ILLUSTRATIONS-1.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-1e1b730 betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"1e1b730\" 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-erreurs-a-eviter\" class=\"elementor-heading-title elementor-size-default\">Les erreurs \u00e0 \u00e9viter<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bdff729 elementor-widget elementor-widget-text-editor\" data-id=\"bdff729\" 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=\"padding-left: 40px;\"><strong>\u2022 Tout traiter en standard par prudence.<\/strong> Le risque est de perdre du temps sur les clients simples, et passer \u00e0 c\u00f4t\u00e9 de clients \u00e0 risque.<\/p><p style=\"padding-left: 40px;\"><strong>\u2022 Appliquer la vigilance simplifi\u00e9e sans la justifier.<\/strong> Un risque faible non document\u00e9 risque de se lire, en contr\u00f4le, comme une vigilance insuffisante.<\/p><p style=\"padding-left: 40px;\"><strong>\u2022 Classer une fois pour toutes.<\/strong> Un changement d\u2019actionnaire, de pays ou d\u2019activit\u00e9 doit faire r\u00e9viser le niveau.<\/p><p style=\"padding-left: 40px;\"><strong>\u2022 Oublier le b\u00e9n\u00e9ficiaire effectif dans le contr\u00f4le PPE.<\/strong> La v\u00e9rification doit aussi porter sur la personne qui contr\u00f4le r\u00e9ellement la soci\u00e9t\u00e9 du client.<\/p><p style=\"padding-left: 40px;\"><strong>\u2022 Ne pas tracer la d\u00e9cision.<\/strong> Pour chaque dossier, vous devez pouvoir montrer quel niveau a \u00e9t\u00e9 retenu, pourquoi, et qui l\u2019a valid\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-3102d8b betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"3102d8b\" 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=\"pour-terminer\" class=\"elementor-heading-title elementor-size-default\">Pour terminer<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a20520 elementor-widget elementor-widget-text-editor\" data-id=\"6a20520\" 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=\"241e815f-fe89-401c-a4a8-d2b30d54722c\" data-pm-slice=\"1 1 []\">Le bon niveau de vigilance, c\u2019est celui que vous pouvez justifier. Simplifi\u00e9e quand le risque est faible et document\u00e9, standard par d\u00e9faut, renforc\u00e9e d\u00e8s qu\u2019un crit\u00e8re de risque appara\u00eet. Pour revoir l\u2019ensemble du cadre, reportez-vous \u00e0 notre guide des obligations de vigilance LCB-FT.<\/p><p><strong>Clustdoc<\/strong> applique votre classification \u00e0 chaque dossier : le client re\u00e7oit le parcours qui correspond \u00e0 son niveau de risque, les dossiers \u00e0 risque \u00e9lev\u00e9 passent par le bon valideur, et chaque d\u00e9cision reste trac\u00e9e, pr\u00eate \u00e0 \u00eatre pr\u00e9sent\u00e9e en cas de contr\u00f4le.<\/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=\"questions-frequentes\" class=\"elementor-heading-title elementor-size-default\">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-1-6af98a9d885a4\">\u00c0 qui s'applique la vigilance renforc\u00e9e ?<\/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=\"c2662b5c-e586-4a6b-9962-ecdaca0ce38f\" data-pm-slice=\"1 1 []\">\u00c0 tout client, produit ou transaction que votre \u00e9valuation classe en risque \u00e9lev\u00e9. Au titre des mesures compl\u00e9mentaires, elle vise aussi les PPE, les relations li\u00e9es \u00e0 un pays tiers \u00e0 haut risque et les produits qui favorisent l'anonymat. Elle concerne tous les professionnels assujettis \u00e0 la LCB-FT, pas seulement les \u00e9tablissements bancaires : assureurs, \u00e9tablissements de paiement, professionnels du chiffre, du droit et de l'immobilier ont les m\u00eames obligations.<\/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-2-6af98a9d886c2\">Quels sont les diff\u00e9rents types de vigilance 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=\"c2662b5c-e586-4a6b-9962-ecdaca0ce38f\" data-pm-slice=\"1 1 []\">On distingue la vigilance simplifi\u00e9e (risque faible), la vigilance standard (cas g\u00e9n\u00e9ral), la vigilance renforc\u00e9e (risque \u00e9lev\u00e9 identifi\u00e9 par le professionnel) et la vigilance compl\u00e9mentaire (situations fix\u00e9es par la loi). S'y ajoute l'examen renforc\u00e9 des op\u00e9rations atypiques.<\/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-3-6af98a9d88e70\">Quand passer en vigilance renforc\u00e9e 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=\"c2662b5c-e586-4a6b-9962-ecdaca0ce38f\" data-pm-slice=\"1 1 []\">D\u00e8s qu'un crit\u00e8re de risque \u00e9lev\u00e9 appara\u00eet, \u00e0 l'entr\u00e9e en relation ou en cours de relation d'affaires : changement d'actionnaire, nouvelle activit\u00e9, client devenu PPE, transaction sans justification \u00e9conomique. Le niveau se r\u00e9vise ; il ne se fixe pas une fois pour toutes.<\/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-4-6af98a9d88eff\">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-150f2e8 elementor-widget elementor-widget-author-box\" data-id=\"150f2e8\" 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 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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 elementor-size-default\">Simplifiez la gestion de vos dossiers\u00a0<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-263d5b05 elementor-widget elementor-widget-image\" data-id=\"263d5b05\" 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=\"749\" src=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/03\/Clustdoc-portail-en-ligne-1-1024x799.png\" class=\"attachment-large size-large wp-image-40164\" alt=\"\" srcset=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/03\/Clustdoc-portail-en-ligne-1-1024x799.png 1024w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/03\/Clustdoc-portail-en-ligne-1-300x234.png 300w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/03\/Clustdoc-portail-en-ligne-1-768x599.png 768w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/03\/Clustdoc-portail-en-ligne-1.png 1166w\" 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-37f2464d elementor-align-center elementor-widget-tablet__width-initial elementor-widget elementor-widget-button\" data-id=\"37f2464d\" 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\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>\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>\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-2d5bfb1a e-flex e-con-boxed e-con e-parent\" data-id=\"2d5bfb1a\" 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-67aef271 elementor-widget elementor-widget-spacer\" data-id=\"67aef271\" 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-5d221a60 betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"5d221a60\" 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=\"ces-articles-pourraient-vous-interesser\" class=\"elementor-heading-title elementor-size-default\">Ces articles pourraient vous int\u00e9resser<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24079a4b elementor-widget elementor-widget-spacer\" data-id=\"24079a4b\" 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-740c1cf4 elementor-posts__hover-none elementor-grid-3 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-card-shadow-yes elementor-widget elementor-widget-posts\" data-id=\"740c1cf4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;cards_columns&quot;:&quot;3&quot;,&quot;cards_columns_tablet&quot;:&quot;2&quot;,&quot;cards_columns_mobile&quot;:&quot;1&quot;,&quot;cards_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]},&quot;cards_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;cards_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-cards elementor-grid\" role=\"list\">\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-66189 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\/obligations-de-vigilance\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"300\" height=\"212\" src=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/Capture-decran-2026-11-14-a-00.04.09-300x212.png\" class=\"attachment-medium size-medium wp-image-66215\" alt=\"obligations de vigilance\" srcset=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/Capture-decran-2026-11-14-a-00.04.09-300x212.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, https:\/\/clustdoc.com\/wp-content\/uploads\/2026\/11\/Capture-decran-2026-11-14-a-00.04.09.png 1912w\" 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=\"obligations-de-vigilance-lcb-ft-le-guide-complet\" class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/clustdoc.com\/fr\/blog\/obligations-de-vigilance\/\" >\n\t\t\t\tObligations de vigilance LCB-FT : le guide complet\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 13, 2026\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-48073 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\/signature-electronique-word\/\" 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-73-300x213.png\" class=\"attachment-medium size-medium wp-image-47315\" alt=\"Signature \u00e9lectronique Word\" srcset=\"https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/Blog-pictures-73-300x213.png 300w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/Blog-pictures-73-1024x726.png 1024w, https:\/\/clustdoc.com\/wp-content\/uploads\/2025\/10\/Blog-pictures-73-768x545.png 768w, 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\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<div class=\"elementor-element elementor-element-d4cb800 e-flex e-con-boxed e-con e-parent\" data-id=\"d4cb800\" 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-dd5860d betakit-transform transform-type-translate elementor-widget elementor-widget-heading\" data-id=\"dd5860d\" 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\">Les articles et analyses de Clustdoc sont propos\u00e9s \u00e0 titre informatif. Ils ne remplacent pas les conseils d\u2019un professionnel du droit, de la finance ou d\u2019un autre domaine. Les r\u00e8gles peuvent varier selon le lieu o\u00f9 vous exercez votre activit\u00e9. Pensez \u00e0 v\u00e9rifier celles qui s\u2019appliquent \u00e0 votre situation. Clustdoc d\u00e9cline toute responsabilit\u00e9 concernant les informations publi\u00e9es sur ce blog et les d\u00e9cisions prises sur cette base.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e4a42f elementor-widget elementor-widget-spacer\" data-id=\"7e4a42f\" 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>Le niveau LCB-FT d\u00e9pend du risque de chaque client. Ce guide explique les trois niveaux, ce que change la vigilance compl\u00e9mentaire et comment justifier votre choix en cas de contr\u00f4le.<\/p>\n","protected":false},"author":1,"featured_media":66343,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[291,297],"tags":[],"class_list":["post-66239","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\/66239","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=66239"}],"version-history":[{"count":5,"href":"https:\/\/clustdoc.com\/fr\/wp-json\/wp\/v2\/posts\/66239\/revisions"}],"predecessor-version":[{"id":66364,"href":"https:\/\/clustdoc.com\/fr\/wp-json\/wp\/v2\/posts\/66239\/revisions\/66364"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/clustdoc.com\/fr\/wp-json\/wp\/v2\/media\/66343"}],"wp:attachment":[{"href":"https:\/\/clustdoc.com\/fr\/wp-json\/wp\/v2\/media?parent=66239"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/clustdoc.com\/fr\/wp-json\/wp\/v2\/categories?post=66239"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/clustdoc.com\/fr\/wp-json\/wp\/v2\/tags?post=66239"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}