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des recommandations du rapport , présidé par le Ministre d’État. Le 23 lement intervenus en vue d’améliorer le dispositif de gel de fonds et des
1
mars 2023, il s’est réuni pour finaliser un Plan d’Action national en matière ressources économiques », a indiqué le Gouvernement. Un plan d’actions

de lutte contre le blanchiment d’argent, le financement du terrorisme et de déterminant : si Monaco n’apportait pas les améliorations nécessaires,
la prolifération des armes de destruction massive. « Ce Plan se compose il pourrait être placé sur la « liste grise » du GAFI à la mi-2024. Monaco

de nombreuses mesures concrètes et opérationnelles à l’effet de renforcer était sorti de la liste noire des paradis fiscaux non coopératifs dressée

significativement les actions existantes pour faire face aux menaces en par l’Organisation de Coopération et de Développement Économiques
́

matière de criminalité financière. Des échanges constructifs sont éga- (OCDE) suite au G20 de Londres, le 2 avril 2009.
1. Le Conseil National s’est ému de n’être représenté dans ce comité « que dans le cadre du second collège, au même rang que les organisations professionnelles monégasques participantes ».
Cycle du blanchiment d’argent / Money laundering cycle

Integration de l’argent sale dans le système financier
Integration of dirty money into the financial system
PLACEMENT

Collecte d’argent sale EMPILAGE
Collecting dirty money
STACKING
Paiement par Y d’une fausse
facture à la société X
Payment by Y of a false
invoice to company X Transfert sur le compte
bancaire de la société X
Transfer to the bank
account of company X
INTEGRATION

Achat de produit de luxe, investissements financiers,
investissements commerciaux/industriels Prêt à la société Y Banque
Purchase of luxury goods, financial investments, Loan to Company Y extraterritoriale
commercial/industrial investments Offshore Bank

2023: The Year of Europe... and Anti-Money Laundering by Milena Radoman

For Monaco, the year will be decisive for the negotiations of an association agreement with
the European Union. It will also be decisive for ending the reinforced monitoring of Moneyval, the
Council of urope’s anti money laundering body.

Monaco must fight more effectively against the effectiveness of Monaco’s legislative and risks undermine the ability of the authorities to

money laundering and terrorist financing, or risk regulatory arsenal, as well as the private sector’s carry out adequate supervision for a number

being put on the FATF’s grey list in 2024... This is involvement in the fight against the financing of entities. While banks are playing along and

the essence of Moneyval’s message in a report of terrorism, money laundering and arms declaring suspicious transactions, casinos
that the Principality immediately said it was proliferation. Based on a visit to the Principality and jewellers are lagging behind, according to
“determined to implement rapidly”. At the end in March 2022, in the wake of the Covid-19 health Moneyval. The report also expresses concern
of January, the Council of Europe’s Committee crisis, Moneyval “recognises the considerable about the “very low number of convictions

of anti-money laundering experts placed the work undertaken in the identification of risks” obtained” - despite the introduction in 2018
Principality under reinforced monitoring. This related to money laundering, but insists that of a mechanism for presumption of money
is a classic procedure, applied to nearly 50% the Monegasque authorities “(intensify their) laundering - and the “even lower number of

of the Committee members, obliging the efforts in the investigation and prosecution of confiscation measures ordered”. Over the period
Monegasque authorities to “report in March money laundering, confiscation and recovery 2017-2021, 192 investigations were opened

2024 on the progress made”. of the proceeds of crime, and (step up their) with regard to money laundering in Monaco,
supervisory system”. but only 19 prosecutions were launched. “The
1. What does Moneyval reproach in particular? According to the Council of Europe, sanctions (...) are limited, not proportionate to
In a detailed 323-page report, the Council of “shortcomings in the good repute and probity the grievances identified, not dissuasive and

Europe’s anti-money laundering body measured checks of beneficial owners and in understanding imposed too late”, the report states. Furthermore,

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