{"id":10795,"date":"2026-03-08T23:36:24","date_gmt":"2026-03-08T21:36:24","guid":{"rendered":"https:\/\/modernipravnik.cz\/?p=10795"},"modified":"2026-06-11T00:05:16","modified_gmt":"2026-06-10T22:05:16","slug":"aml-hodnoceni-rizik-povinnosti-a-pokuty","status":"publish","type":"post","link":"https:\/\/modernipravnik.cz\/en\/blog\/aml-hodnoceni-rizik-povinnosti-a-pokuty\/","title":{"rendered":"AML hodnocen\u00ed rizik: Jak splnit povinnost a\u00a0vyhnout se pokut\u00e1m?"},"content":{"rendered":"<h1 style=\"text-align: center;\"><strong>AML hodnocen&iacute; rizik: Jak splnit povinnost a\u00a0ochr&aacute;nit sv\u016fj byznys<\/strong><\/h1>\n<p><em>Oblast boje proti pran&iacute; &scaron;pinav&yacute;ch pen\u011bz a\u00a0financov&aacute;n&iacute; terorismu (AML) se neust&aacute;le zp\u0159&iacute;s\u0148uje. Pokud podnik&aacute;te ve vybran&yacute;ch oborech, st&aacute;t na v&aacute;s klade p\u0159&iacute;sn&eacute; n&aacute;roky. Jednou z\u00a0t\u011bch absolutn\u011b nejd\u016fle\u017eit\u011bj&scaron;&iacute;ch povinnost&iacute; je vypracovat hodnocen&iacute; rizik legalizace v&yacute;nos\u016f z\u00a0trestn&eacute; \u010dinnosti a\u00a0financov&aacute;n&iacute; terorismu. Tato povinnost p\u0159&iacute;mo vych&aacute;z&iacute; z\u00a0&sect; 21a AML z&aacute;kona.<\/em><\/p>\n<p><em>Nejedn&aacute; se p\u0159itom jen o\u00a0dal&scaron;&iacute; byrokratick&yacute; pap&iacute;r do &scaron;upl&iacute;ku. Jde o\u00a0strategick&yacute; dokument, ze kter&eacute;ho se odv&iacute;jej&iacute; ve&scaron;ker&aacute; va&scaron;e dal&scaron;&iacute; AML opat\u0159en&iacute; a\u00a0intenzita kontroly klient\u016f.<\/em><\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Koho se povinnost AML hodnocen&iacute; rizik vlastn\u011b t&yacute;k&aacute; <\/strong><\/h2>\n<p>Z&aacute;kon dopad&aacute; na pom\u011brn\u011b &scaron;irok&yacute; okruh podnikatel\u016f, kter&eacute; form&aacute;ln\u011b ozna\u010duje jako povinn&eacute; osoby. Plat&iacute; jednoduch&eacute; pravidlo - povinnost dopad&aacute; na ty, kte\u0159&iacute; mus&iacute; m&iacute;t p&iacute;semn\u011b zpracovan&yacute; syst&eacute;m vnit\u0159n&iacute;ch z&aacute;sad (SVZ). Hodnocen&iacute; rizik je ned&iacute;lnou sou\u010d&aacute;st&iacute; tohoto syst&eacute;mu.<\/p>\n<p>Pat\u0159&iacute; sem nap\u0159&iacute;klad:<\/p>\n<ul>\n<li>&Uacute;v\u011brov&eacute; a\u00a0finan\u010dn&iacute; instituce v&scaron;ech typ\u016f.<\/li>\n<li>Provozovatel&eacute; hazardn&iacute;ch her.<\/li>\n<li>Realitn&iacute; zprost\u0159edkovatel&eacute; a\u00a0osoby obchoduj&iacute;c&iacute; s\u00a0nemovitostmi.<\/li>\n<li>Poskytovatel&eacute; slu\u017eeb spojen&yacute;ch s\u00a0virtu&aacute;ln&iacute;mi aktivy (kryptom\u011bny).<\/li>\n<li>Not&aacute;\u0159i, advok&aacute;ti a\u00a0da\u0148ov&iacute; poradci p\u0159i v&yacute;konu ur\u010dit&yacute;ch \u010dinnost&iacute;.<\/li>\n<\/ul>\n<p>Nov&aacute; legislativa &uacute;\u010dinn&aacute; od kv\u011btna 2024\u00a0nav&iacute;c okruh roz&scaron;&iacute;\u0159ila t\u0159eba o\u00a0insolven\u010dn&iacute; spr&aacute;vce nebo obchodn&iacute;ky s\u00a0drah&yacute;mi kovy p\u0159i obchodech nad 10 000\u00a0EUR. Pokud jste se povinnou osobou stali teprve ned&aacute;vno, m&aacute;te na vypracov&aacute;n&iacute; dokumentu lh\u016ftu 60\u00a0dn\u016f.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Co mus&iacute; hodnocen&iacute; rizik obsahovat a\u00a0pro\u010d zapomenout na &scaron;ablony<\/strong><\/h2>\n<p>Z&aacute;kladn&iacute;m principem cel&eacute; &uacute;pravy je rizikov\u011b orientovan&yacute; p\u0159&iacute;stup. To znamen&aacute;, \u017ee mus&iacute;te um\u011bt hrozby identifikovat a\u00a0v&iacute;ce se zam\u011b\u0159it na rizikov\u011bj&scaron;&iacute; klienty a\u00a0transakce.<\/p>\n<p>Podle metodick&yacute;ch pokyn\u016f Finan\u010dn&iacute;ho analytick&eacute;ho &uacute;\u0159adu (FA&Uacute;) mus&iacute; dokument obsahovat minim&aacute;ln\u011b:<\/p>\n<ul>\n<li>Rizikovou kategorizaci klient\u016f: Hodnot&iacute; se typ klienta, &uacute;\u010del a\u00a0d&eacute;lka obchodn&iacute;ho vztahu, vlastnick&aacute; struktura nebo politick&aacute; expozice.<\/li>\n<li>Rizikovou kategorizaci produkt\u016f a\u00a0slu\u017eeb: Posouzen&iacute; mo\u017enosti jejich zneu\u017eit&iacute; (nap\u0159. hotovostn&iacute; operace, kryptoaktiva).<\/li>\n<li>N&aacute;vodn&eacute; znaky podez\u0159elosti: Ty mus&iacute; b&yacute;t konkr&eacute;tn&iacute; a\u00a0odr&aacute;\u017eet va&scaron;e re&aacute;ln&eacute; portfolio, nikoli jen p\u0159episovat z&aacute;kon.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><strong>Pro\u010d se vyhnout vzor\u016fm z\u00a0internetu?<\/strong><\/h3>\n<p>Spousta podnikatel\u016f si chce u&scaron;et\u0159it pr&aacute;ci a\u00a0st&aacute;hne si vzor z\u00a0webu. To je velk&aacute; chyba. FA&Uacute; ani \u010cNB \u017e&aacute;dn&yacute; univerz&aacute;ln&iacute; vzor nezve\u0159ej\u0148uj&iacute;. Ka\u017ed&yacute; dokument mus&iacute; b&yacute;t individualizovan&yacute; a\u00a0p\u0159izp\u016fsoben&yacute; va&scaron;&iacute; konkr&eacute;tn&iacute; \u010dinnosti. Pou\u017eit&iacute; generick&yacute;ch &scaron;ablon, kter&eacute; nejsou adaptovan&eacute; na va&scaron;e specifika, je p\u0159i kontrol&aacute;ch typickou chybou.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Co hroz&iacute;, kdy\u017e AML hodnocen&iacute; rizik nem&aacute;te v&nbsp;po\u0159&aacute;dku<\/strong><\/h2>\n<p>Pokud hodnocen&iacute; nem&aacute;te nebo ho neaktualizujete, hroz&iacute; v&aacute;m:<\/p>\n<ul>\n<li>Spr&aacute;vn&iacute; pokuta a\u017e do v&yacute;&scaron;e 130 000 000\u00a0K\u010d nebo dvojn&aacute;sobku neopr&aacute;vn\u011bn\u011b z&iacute;skan&eacute;ho prosp\u011bchu (pro regulovan&eacute; finan\u010dn&iacute; instituce).<\/li>\n<li>Pokuta a\u017e 1 000 000\u00a0K\u010d pro poskytovatele krypto slu\u017eeb (VASP).<\/li>\n<li>Opat\u0159en&iacute; k\u00a0n&aacute;prav\u011b a\u00a0p\u0159&iacute;padn\u011b i\u00a0z&aacute;kaz \u010dinnosti.<\/li>\n<li>Z&aacute;va\u017en&eacute; reputa\u010dn&iacute; riziko.<\/li>\n<li>V\u00a0krajn&iacute;m p\u0159&iacute;pad\u011b i\u00a0trestn&iacute; odpov\u011bdnost pr&aacute;vnick&eacute; osoby z\u00a0nedbalosti.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><strong>Nov&yacute; AML bal&iacute;\u010dek EU a\u00a0co n&aacute;s \u010dek&aacute;<\/strong><\/h2>\n<p>V\u00a0kv\u011btnu 2024\u00a0byl p\u0159ijat nov&yacute; legislativn&iacute; AML bal&iacute;\u010dek EU, kter&yacute; cel&yacute; syst&eacute;m od z&aacute;kladu zm\u011bn&iacute;. Zavede toti\u017e p\u0159&iacute;mo pou\u017eiteln&aacute; pravidla nap\u0159&iacute;\u010d celou Uni&iacute;. Pro hodnocen&iacute; rizik to bude mimo jin&eacute; znamenat p\u0159echod na striktn&iacute; t\u0159&iacute;&uacute;rov\u0148ov&yacute; analytick&yacute; model (inherentn&iacute; riziko &rarr; kontroly &rarr; zbytkov&eacute; riziko), tak\u017ee va&scaron;e st&aacute;vaj&iacute;c&iacute; dokumenty budou pot\u0159ebovat metodologick&yacute; upgrade.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>\u0158e&scaron;&iacute;te AML hodnocen&iacute; rizik? Obra\u0165te se na n&aacute;s!<\/strong><\/h2>\n<p>Zpracov&aacute;n&iacute; AML hodnocen&iacute; rizik, kter&eacute; bezpe\u010dn\u011b obstoj&iacute; p\u0159ed kontrolou z\u00a0FA&Uacute; nebo \u010cNB, nen&iacute; jednoduch&aacute; discipl&iacute;na. Evropsk&aacute; i\u00a0\u010desk&aacute; legislativa se nav&iacute;c rychle vyv&iacute;j&iacute; a\u00a0je nutn&eacute; dr\u017eet krok.<\/p>\n<p>Pokud nechcete riskovat likvida\u010dn&iacute; pokuty, kontaktujte n&aacute;s. R&aacute;di v&aacute;m pom\u016f\u017eeme va&scaron;i situaci zanalyzovat a\u00a0p\u0159iprav&iacute;me hodnocen&iacute; rizik p\u0159esn\u011b na m&iacute;ru va&scaron;emu podnik&aacute;n&iacute;.<\/p>\n<p><strong>&nbsp;<\/strong><\/p>\n<p>Autor: Mgr.\u00a0Petr Uklein, vedouc&iacute; advok&aacute;t v&nbsp;advok&aacute;tn&iacute; kancel&aacute;\u0159i ModerniPravnik.cz<\/p>\n<p class=\"wp-block-paragraph\">\n<div class=\"cta-form__wrapper\">\n<div class=\"cta-form__grid\">\n<div class=\"cta-form__info\">\n<div class=\"contact-container\">\n<div class=\"contact-left\">\n<h3> <strong>Napi\u0161te na\u0161im odborn\u00edk\u016fm, pom\u016f\u017eeme v\u00e1m!  <\/strong><\/h3>\n<div class=\"lawyers\">\n<div class=\"lawyer\">\n                <img decoding=\"async\" src=\"https:\/\/modernipravnik.cz\/wp-content\/uploads\/2024\/12\/Petr-Uklein-Grey.jpg\" alt=\"Advokat 1\"><br \/>\n                <span class=\"status\"><\/span>\n            <\/div>\n<div class=\"lawyer\">\n                <img decoding=\"async\" src=\"https:\/\/modernipravnik.cz\/wp-content\/uploads\/2026\/01\/Matej-Sedivy.png\" alt=\"Advokat 2\"><br \/>\n                <span class=\"status\"><\/span>\n            <\/div>\n<div class=\"lawyer\">\n                <img decoding=\"async\" src=\"https:\/\/modernipravnik.cz\/wp-content\/uploads\/2024\/12\/Barbora-Janackova-grey3.jpg\" alt=\"Advokat 3\"><br \/>\n                <span class=\"status\"><\/span>\n            <\/div>\n<div class=\"lawyer\">\n                <img decoding=\"async\" src=\"https:\/\/modernipravnik.cz\/wp-content\/uploads\/2026\/01\/martin-1.png\" alt=\"Advokat 4\"><br \/>\n                <span class=\"status\"><\/span>\n            <\/div>\n<div class=\"lawyer\">\n                <img decoding=\"async\" src=\"https:\/\/modernipravnik.cz\/wp-content\/uploads\/2026\/01\/radka-1.png\" alt=\"Advokat 5\"><br \/>\n                <span class=\"status\"><\/span>\n            <\/div>\n<div class=\"lawyer\">\n                <img decoding=\"async\" src=\"https:\/\/modernipravnik.cz\/wp-content\/uploads\/2026\/01\/image.png\" alt=\"Advokat 6\"><br \/>\n                <span class=\"status\"><\/span>\n            <\/div>\n<div class=\"lawyer\">\n                <img decoding=\"async\" src=\"https:\/\/modernipravnik.cz\/wp-content\/uploads\/2026\/01\/ruta.png\" alt=\"Advokat 7\"><br \/>\n                <span class=\"status\"><\/span>\n            <\/div><\/div>\n<div class=\"form-descr\">\nNev\u00e1hejte se s\u00a0n\u00e1mi pod\u011blit o\u00a0svou situaci a\u00a0stru\u010dn\u011b popsat, s\u00a0\u010d\u00edm v\u00e1m m\u016f\u017eeme pomoci. Sd\u011blte n\u00e1m, jak v\u00e1s m\u016f\u017eeme nejl\u00e9pe kontaktovat, a\u00a0n\u00e1\u0161 t\u00fdm se v\u00e1m obratem ozve s\u00a0n\u00e1vrhem \u0159e\u0161en\u00ed. Pro va\u0161i lep\u0161\u00ed orientaci doporu\u010dujeme se p\u0159edem sezn\u00e1mit s\u00a0na\u0161\u00edm <a href=\"https:\/\/modernipravnik.cz\/en\/cenik\/\"><strong>price list<\/strong><\/a> Services.\n<\/div>\n<div class=\"contact-info\">\n<p><strong> Po-P\u00e1: 9:00 -18:00 <\/strong><\/p>\n<p class=\"email\"><a href=\"mailto:info@modernipravnik.cz\">info@modernipravnik.cz<\/a><\/p>\n<p><a href=\"tel:+420732394849\"><\/p>\n<p class=\"phone\">\ud83d\udcde (+420) 732 394 849 <span><\/span><\/p>\n<p><\/a><\/p><\/div><\/div>\n<\/div>\n<\/div>\n<div class=\"cta-form__form\">\n<form class=\"mp-contact-form\" action=\"https:\/\/modernipravnik.cz\/chatbot\/cf\/cf-lead.php\" method=\"post\" novalidate data-trp-original-action=\"https:\/\/modernipravnik.cz\/chatbot\/cf\/cf-lead.php\">\n<input type=\"text\" name=\"website\" class=\"mp-cf-hp\" tabindex=\"-1\" autocomplete=\"off\" aria-hidden=\"true\"><br \/>\n<input type=\"hidden\" name=\"page\" value=\"\"><\/p>\n<div class=\"mp-cf-row\">\n<input type=\"text\" name=\"first_name\" placeholder=\"Jm\u00e9no\" required><br \/>\n<input type=\"text\" name=\"last_name\" placeholder=\"P\u0159\u00edjmen\u00ed\" required>\n<\/div>\n<p><input type=\"tel\" name=\"phone\" placeholder=\"Phone\"><br \/>\n<input type=\"email\" name=\"email\" placeholder=\"E-mail\" required><br \/>\n<textarea name=\"message\" placeholder=\"Stru\u010dn\u011b popi\u0161te, s \u010d\u00edm v\u00e1m m\u016f\u017eeme pomoci\"><\/textarea><br \/>\n<label class=\"mp-cf-consent\"><input type=\"checkbox\" name=\"consent\" required> I consent to the processing of my personal data for the purpose of handling my inquiry.<\/label><br \/>\n<button type=\"submit\">Odeslat<\/button><\/p>\n<div class=\"mp-cf-status\" role=\"status\" aria-live=\"polite\"><\/div>\n<input type=\"hidden\" name=\"trp-form-language\" value=\"en\"\/><\/form>\n<link rel=\"stylesheet\" href=\"https:\/\/modernipravnik.cz\/chatbot\/cf\/cf.css\">\n<script src=\"https:\/\/modernipravnik.cz\/chatbot\/cf\/cf.js?v=1792426575\" defer><\/script>\n        <\/div><\/div><\/div>\n<style>\n.cta-form__wrapper {\n    margin: 40px 0;\n    background: #f2f2f2;\n    padding: 30px;\n    border-radius: 10px;\n}\n.cta-form__grid {\n    display: flex;\n    flex-wrap: wrap;\n    gap: 30px;\n    justify-content: space-between;\n}\n.cta-form__info {\n    flex: 1 1 48%;\n}\n.cta-form__form {\n    flex: 1 1 48%;\n    background: #fff;\n    padding: 20px;\n    border-radius: 10px;\n}\n\/* \u041c\u043e\u0431\u0438\u043b\u043a\u0438: 100% \u0448\u0438\u0440\u0438\u043d\u044b \u0438 \u0443\u0431\u0438\u0440\u0430\u0435\u043c \u0432\u043d\u0443\u0442\u0440\u0435\u043d\u043d\u0438\u0435 \u043f\u0430\u0434\u0434\u0438\u043d\u0433\u0438 *\/\n@media (max-width: 768px) {\n    .cta-form__wrapper {\n        padding: 0;\n        background: transparent;\n    }\n    .cta-form__grid {\n        flex-direction: column;\n        gap: 0;\n    }\n    .cta-form__info, .cta-form__form {\n        flex: 1 1 100%;\n        padding: 20px;\n        border-radius: 0;\n    }\n}\n<\/style>\n<\/p>\n<p>V\u0161echny tyto slu\u017eby a\u00a0produkty v\u00e1m pomohou snadno zvl\u00e1dnout. Nev\u00e1hejte n\u00e1s kontaktovat a\u00a0objednejte si na\u0161e slu\u017eby, smlouvy \u010di produkty p\u0159\u00edmo na webu.<\/p>","protected":false},"excerpt":{"rendered":"<p>Oblast boje proti pran\u00ed \u0161pinav\u00fdch pen\u011bz a\u00a0financov\u00e1n\u00ed terorismu (AML) se neust\u00e1le zp\u0159\u00eds\u0148uje. Pokud podnik\u00e1te ve vybran\u00fdch oborech, st\u00e1t na v\u00e1s klade p\u0159\u00edsn\u00e9 n\u00e1roky. Jednou z\u00a0t\u011bch absolutn\u011b nejd\u016fle\u017eit\u011bj\u0161\u00edch povinnost\u00ed je vypracovat hodnocen\u00ed rizik legalizace v\u00fdnos\u016f z\u00a0trestn\u00e9 \u010dinnosti a\u00a0financov\u00e1n\u00ed terorismu. V\u00a0\u010dl\u00e1nku vysv\u011btlujeme, koho se tato povinnost t\u00fdk\u00e1, co mus\u00ed hodnocen\u00ed rizik obsahovat a\u00a0jak\u00e9 sankce hroz\u00ed p\u0159i jej\u00edm nespln\u011bn\u00ed.<\/p>","protected":false},"author":754,"featured_media":12950,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[63,2771],"tags":[1707,1705,2177,2182,1462],"class_list":["post-10795","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-obchodni-pravo","category-podnikani","tag-aml","tag-compliance","tag-hodnoceni-rizik","tag-povinna-osoba","tag-prani-spinavych-penez"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>AML hodnocen\u00ed rizik: Jak splnit povinnost a vyhnout se pokut\u00e1m?<\/title>\n<meta name=\"description\" content=\"Jste povinn\u00e1 osoba a chyb\u00ed v\u00e1m AML hodnocen\u00ed rizik? 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