Regulatory Alignment
Operating under the legal framework of Law No. 5549 (Prevention of Laundering Proceeds of Crime) governed by MASAK (Türkiye) and aligned with FATF recommendations for cross-border trade.
Compliance & Governance
Institutional Compliance & Governance Framework
Ratin Teknoloji Group maintains a Zero Tolerance policy toward financial crimes, implementing rigorous KYC, KYB, and AML protocols in full compliance with MASAK and international FATF standards.
Regulatory Framework
Governance Under MASAK & FATF Standards
Dedicated Compliance Oversight
Independent Compliance Officer oversight reporting directly to the Board of Directors, ensuring continuous risk assessment, audit readiness, and regulatory reporting.
CDD Framework
Customer & Corporate Due Diligence (CDD)
A three-tiered due diligence process covering individuals, corporate entities, and Ultimate Beneficial Owners.
Tier 1
Individual KYC
Verification via government-issued photo ID, proof of address (utility bill within 3 months), and identity validation.
Tier 2
Corporate KYB
Certificate of Incorporation, Trade Registry Gazette (İTO), Articles of Association, Tax Certificate (Vergi Levhası), and Authorized Signatories (İmza Sirküleri).
Tier 3
Ultimate Beneficial Ownership
Mandatory identification and screening of all natural persons holding 25% or more of voting rights or ownership in partner entities.
Screening & Monitoring
Global Sanctions Screening & Risk Monitoring
Sanctions Screening
Real-time automated screening against UN Security Council (UNSC), US OFAC SDN, EU Consolidated, UK HM Treasury, and domestic MASAK watchlists prior to onboarding.
Risk-Based Approach (RBA)
Categorization of partners into Low, Medium, and High Risk, applying Enhanced Due Diligence (EDD) for Politically Exposed Persons (PEPs) and complex trade structures.
Source of Funds Verification
Rigorous monitoring of commercial transaction paths, contractual validity, and underlying trade documentation for all settlements.
Data Retention & Record Keeping
Archiving all KYC, KYB, transaction logs, and audit files in secure encrypted databases for a mandatory minimum of 10 years as required by Law No. 5549.
Board-Approved · v1.0 (2026)
Download Official AML & KYC Policy Manual (2026)
Access the complete, board-approved Compliance Policy Document (PDF) detailing our KYC/KYB procedures, MASAK alignment, and FATF standards.
Zero Tolerance
Suspicious Activity Reporting & Zero Tolerance
Ratin Teknoloji Group strictly enforces Suspicious Activity Reporting (SAR) procedures. Any transaction exhibiting unverified commercial rationale or sanctioned counterparty exposure is immediately blocked and reported to regulatory authorities without exception.
Regulatory Notice
RATİN TEKNOLOJİ VE YÖNETİM DANIŞMANLIK LTD. ŞTİ. operates strictly as an independent B2B commercial advisory, transit logistics facilitator, and technology infrastructure provider. The company is not a bank, payment institution, or licensed financial services provider to consumers, and does not conduct regulated banking, deposit-taking, or currency exchange services under Turkish BDDK or CMB frameworks. All communications are governed by our Privacy Policy and KVKK Disclosure.