{
  "title": "PEP（政治敏感人物）概念指南与筛查示例",
  "title_en": "PEP (Politically Exposed Person) concept guide and screening sample",
  "source": "TraceByte · based on FATF Recommendation 12 + AUSTRAC guidance",
  "updated_at": "2026-05-23",
  "disclaimer": "本工具不分发真实 PEP 名单——真实 PEP 数据是商业产品（Refinitiv World-Check 660 万条 / Dow Jones Risk Center / LexisNexis），需付费授权。本文件提供 PEP 概念学习与筛查类别框架，生产环境必须对接商业 PEP feed。",
  "disclaimer_en": "We do NOT distribute real PEP lists — production PEP data is a commercial product (Refinitiv World-Check 6.6M records / Dow Jones Risk Center / LexisNexis) requiring paid licensing. This file provides the PEP concept and screening category framework. For production, integrate with a commercial PEP feed.",
  "license": "Free for learning · educational use",
  "definition": {
    "fatf": "FATF Recommendation 12 定义：PEP 是被赋予重要公共职能的个人（domestic 或 foreign），及其家庭成员与密切关联人（known close associates / RCA）。所有 PEP 关系需要 EDD（增强尽调）。",
    "austrac": "AUSTRAC 在 AML/CTF Rules 4.13 中将 foreign PEPs 列为必须执行 EDD 的类别。Domestic PEPs 与 international organisation PEPs 视风险评估决定。"
  },
  "categories": [
    {
      "category": "Heads of state and government",
      "category_zh": "国家元首与政府首脑",
      "examples": ["President", "Prime Minister", "Monarch", "Vice President"],
      "edd_required": true
    },
    {
      "category": "Senior politicians",
      "category_zh": "高级政治人物",
      "examples": ["Cabinet Ministers", "Senators", "Members of Parliament", "Senior party officials"],
      "edd_required": true
    },
    {
      "category": "Senior government / judicial / military officials",
      "category_zh": "高级政府 / 司法 / 军方官员",
      "examples": ["Supreme Court Justices", "Generals", "Admirals", "Senior diplomats (Ambassadors)"],
      "edd_required": true
    },
    {
      "category": "Senior executives of state-owned enterprises",
      "category_zh": "国企高管",
      "examples": ["State-owned bank CEO", "State oil/energy company senior management", "Sovereign wealth fund executives"],
      "edd_required": true
    },
    {
      "category": "Senior officials of international organisations",
      "category_zh": "国际组织高级官员",
      "examples": ["UN / World Bank / IMF / WTO senior officials", "Regional bank governors (ECB, ADB)"],
      "edd_required": true
    },
    {
      "category": "Family members (RCA)",
      "category_zh": "PEP 家庭成员",
      "examples": ["Spouse / partner", "Children and their spouses", "Parents", "Siblings"],
      "edd_required": true
    },
    {
      "category": "Known close associates (RCA)",
      "category_zh": "已知密切关联人",
      "examples": ["Business partners", "Joint beneficial owners of legal entities", "Personal advisors with privileged access"],
      "edd_required": true
    }
  ],
  "screening_workflow": [
    "1. 客户 onboarding 时收集完整法定姓名 + 出生日期 + 国籍 + 当前职位",
    "2. 对接商业 PEP feed（Refinitiv / Dow Jones）执行模糊匹配 + 别名匹配",
    "3. 命中后启动 EDD：收集资金来源说明、UBO 文件、政治背景声明",
    "4. 由 senior management 批准建立或维持业务关系（强制）",
    "5. 进入 ongoing monitoring + 季度复审",
    "6. 任何可疑活动按 AML/CTF Act s.41 在 3 个工作日内提交 SMR"
  ],
  "sample_entries_note": "本文件不包含真实 PEP 条目。授权 PEP feed 通常提供：姓名（含别名）、生日、国籍、PEP 类别、入名单日期、出名单日期、源 URL、置信度评分、家庭成员清单。"
}