Policy Overview
Optera Finance ("the Company") is firmly opposed to money laundering and any activity that facilitates money laundering or the funding of terrorist or criminal activities. We are committed to detecting, preventing, and reporting any suspicious activities within our platform.
This policy has been established in accordance with the Financial Action Task Force (FATF) recommendations and all applicable national and international AML regulations. The Company is committed to:
- Preventing the platform being used for money laundering or terrorist financing;
- Complying with all applicable AML/CTF laws and regulations;
- Conducting thorough due diligence on all clients and transactions;
- Maintaining robust internal controls and reporting mechanisms.
Know Your Customer (KYC) Procedures
Before establishing any business relationship, the Company implements a robust Know Your Customer (KYC) process. All clients are required to provide satisfactory evidence of their identity and, where relevant, the source of their funds.
The Company applies a risk-based approach to customer due diligence (CDD). High-risk clients — including those in high-risk jurisdictions, politically exposed persons (PEPs), or clients with complex ownership structures — are subject to Enhanced Due Diligence (EDD).
All identity and verification documents are stored securely in accordance with applicable data protection regulations and retained for a minimum of 5 years following the end of the business relationship.
Transaction Monitoring
The Company employs automated and manual systems to monitor client transactions on an ongoing basis. Our transaction monitoring programme is designed to identify unusual or suspicious patterns of activity that may indicate money laundering, terrorist financing, or other financial crimes.
Indicators of Suspicious Activity
- Unusually large or frequent transactions inconsistent with the client's stated profile;
- Transactions involving jurisdictions known for high levels of financial crime or with weak AML controls;
- Requests to conduct transactions through third-party accounts;
- Clients who are reluctant to provide required identification or documentation;
- Complex transactions with no apparent legitimate economic justification.
Where suspicious activity is detected, the Company will conduct a thorough internal investigation before determining the appropriate course of action, which may include filing a Suspicious Activity Report (SAR).
Reporting Obligations
The Company is obligated to report suspicious transactions to the relevant financial intelligence units (FIUs) and regulatory authorities. This obligation exists regardless of the amount involved and does not require certainty that money laundering has occurred — reasonable suspicion is sufficient.
The Company operates a strict no tipping-off policy. This means that once a suspicious activity report is filed, neither the client nor any third party will be informed that such a report has been made, as this could prejudice any investigation conducted by the authorities.
All staff are required to report any knowledge or suspicion of money laundering to the designated Money Laundering Reporting Officer (MLRO) immediately. Failure to report known or suspected money laundering may constitute a criminal offence.
Politically Exposed Persons (PEPs) & Sanctions Screening
The Company screens all clients against relevant sanctions lists, including those maintained by the United Nations, the European Union, OFAC (US), and the local regulatory authority. Clients who appear on any sanctions list will be refused access to the Company's services.
Politically Exposed Persons (PEPs) — individuals who hold, or have held, prominent public functions — are subject to Enhanced Due Diligence measures, including senior management approval for establishing a business relationship and ongoing enhanced monitoring of the relationship.
The Company also screens clients who are close family members or known associates of PEPs, as these individuals may also pose an elevated risk of money laundering.
Employee Training & Compliance Culture
Optera Finance is committed to building and maintaining a strong culture of compliance. All employees receive AML/CTF training upon joining and on a regular basis thereafter. Training covers:
- The legal and regulatory framework governing AML/CTF;
- The Company's internal AML policies and procedures;
- How to recognise and report suspicious activity;
- The potential consequences of non-compliance for individuals and the Company.
The effectiveness of this training programme is reviewed annually by senior management to ensure it remains current and appropriate given evolving regulatory requirements and emerging threats.
Contact our Compliance Team: If you have any questions regarding this AML policy or wish to report a concern, please contact our compliance team at compliance{{ $site_url ?? 'opteracapital.com' }}. All communications are treated with strict confidentiality.
Your security is our priority. We take financial crime prevention seriously.
Contact Compliance