金融服务牌照授权代表违规可引致牌照负责人被监管机构吊销资质

AFS 牌照持有人Spectrum Wealth Advisers Pty Ltd (Spectrum)的主营业务是由公司授权代表人向客户提供财务规划咨询、市场营销和其他服务,公司与授权代表对服务费用进行分成。 ASIC 认为 Spectrum 公司未能认真招募、培训、监督和指导其授权代表,并发现相比于业务合规性,该公司的企业文化更重视业务增长,这也导致该公司未能充分监督指导其授权代表。 此外,该公司的牌照负责人 Mark Schroeder被发现涉及违反金融服务法律法规的行为。

2020年2月,由于Schroeder先生在Spectrum公司任职期间有大量违规表现,因此ASIC禁止他在未来6年内提供金融服务。Schroeder在该公司有多重角色,除了担任牌照负责人及关键人物,还是公司的董事及首席执行官。ASIC发布该禁止令的原因之一是,Schroeder先生作为公司高级经理人,同时也是Spectrum公司业务活动及日常管理的主要责任人,却参与了该公司违反金融服务法律法规的行为。

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Authorised Representatives compliance with the law and banning of responsible manager

Spectrum Wealth Advisers Pty Ltd (Spectrum), the holder of an AFS licence, was in the business of authorising representatives to provide financial planning advice to clients.  It also provided marketing and other support services and received a share of the fees charged by its representatives.  ASIC claims that Spectrum failed to diligently recruit, train, monitor[…]

Australian Financial Services Licensees With Wholesale Clients – Compliance Responsibilities To Consider

Australian financial services licence (AFSL) holders must comply with the general licensing obligations under the Corporations Act, including: ensuring financial services are provided efficiently, honestly and fairly complying with licence conditions and financial services laws managing conflicts of interest ensuring that representatives comply with relevant licensing obligations and are adequately trained and competent maintaining competence[…]

澳洲金融服务持牌人(企业客户)- 合规责任的考量

澳大利亚金融服务牌照(AFSL)持有人必须遵守《公司法》规定的一般性许可义务,包括:

  • 确保有效,诚实和公平地提供金融服务
  • 遵守牌照已取得授权的业务范围和金融服务法律
  • 处理利益冲突
  • 确保公司代表遵守相关牌照许可义务,并接受过充分的培训并能够胜任该岗位
  • 牌照负责人必须及时了解相关法律和 ASIC 监管政策的变化,保证持照人应有
  • 的胜任力
  • 有足够的财务,技术和人力的资源
  • 有足够的资源支持监督管理的实施
  • 确保有充足适当的风险管理体系

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澳大利亚金融业“牌照负责人”(RM)资质评估与申请服务

关于“牌照负责人” 在公司法中并没有定义,这只是ASIC使用的一个术语。在ASIC第105号的监管指南中,术语“牌照负责人”用于指由牌照申请人提名的,以达到ASIC关于胜任力要求的人员。“牌照负责人”可以是牌照申请人 / 牌照持有人

的董事,雇员,外包商或授权代表。

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Disclaimers Checklist

When making disclaimers in information, marketing or promotional material about financial services products that will be circulated to the general public, be aware that regulatory policies and specific legal requirements apply. Regulatory Guide 234: Advertising financial products and services (including credit): Good practice guidance, issued by the Australian Securities and Investments Commission, is essential reading[…]

Service delivery during the COVID-19 pandemic

During this time,  all Know Compliance staff and management are working from their individual homes to comply with the social distancing measures.   Each home workplace is equipped with a telephone, computer (PC and/or laptop), appropriate seating and is isolated from other home activities.  Each home computer is password protected All have access to the[…]