{"id":23070,"date":"2022-06-16T12:12:28","date_gmt":"2022-06-16T12:12:28","guid":{"rendered":"https:\/\/www.esin.av.tr\/?p=23070"},"modified":"2022-06-16T12:12:28","modified_gmt":"2022-06-16T12:12:28","slug":"banka-musteri-sirri-yonetmeligine-iliskin-genelge-taslagi-goruse-acildi","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2022\/06\/16\/banka-musteri-sirri-yonetmeligine-iliskin-genelge-taslagi-goruse-acildi\/","title":{"rendered":"Banka M\u00fc\u015fteri S\u0131rr\u0131 Y\u00f6netmeli\u011fi\u2019ne \u0130li\u015fkin Genelge Tasla\u011f\u0131 G\u00f6r\u00fc\u015fe A\u00e7\u0131ld\u0131"},"content":{"rendered":"<p><strong>Yeni geli\u015fmeler <\/strong><\/p>\n<p>5411 say\u0131l\u0131 Bankac\u0131l\u0131k Kanunu\u2019nun (&#8221;<strong>Kanun<\/strong>&#8221;) 73. maddesi h\u00fckm\u00fc, m\u00fc\u015fteri s\u0131rr\u0131 niteli\u011findeki bilgilerin payla\u015f\u0131m ve aktar\u0131mlara ili\u015fkin kapsam, \u015fekil, usul ve esaslar\u0131 belirleme veya bunlara ili\u015fkin s\u0131n\u0131rlamalar getirme konusunda Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumunu (&#8221;<strong>BDDK<\/strong>&#8221;) yetkili k\u0131l\u0131yor. Bu kapsamda BDDK daha \u00f6nce 7 Haziran 2021 tarihli Hukuk B\u00fcltenimizde ele ald\u0131\u011f\u0131m\u0131z \u00fczere, S\u0131r Niteli\u011findeki Bilgilerin Payla\u015f\u0131lmas\u0131 Hakk\u0131nda Y\u00f6netmelik\u2019i (\u201c<strong>Y\u00f6netmelik<\/strong>\u201c) yay\u0131mlam\u0131\u015ft\u0131. Y\u00f6netmelik 1 Temmuz 2022 tarihinde y\u00fcr\u00fcrl\u00fc\u011fe girecek. Bu kapsamda BDDK, Y\u00f6netmelik h\u00fck\u00fcmlerine ili\u015fkin baz\u0131 sorular\u0131 a\u00e7\u0131kl\u0131\u011fa kavu\u015fturmak ve Y\u00f6netmelik\u2019te \u00f6ng\u00f6r\u00fclen ba\u015fvuru s\u00fcre\u00e7lerinin usul ve esaslar\u0131n\u0131 belirlemek i\u00e7in haz\u0131rlad\u0131\u011f\u0131 2022\/1 say\u0131l\u0131 S\u0131r Niteli\u011findeki Bilgilerin Payla\u015f\u0131lmas\u0131 Hakk\u0131nda Genelge Tasla\u011f\u0131&#8217;n\u0131 (&#8221;<strong>Taslak Genelge<\/strong>&#8221;) bankalar\u0131n g\u00f6r\u00fc\u015f\u00fcne a\u00e7t\u0131.<\/p>\n<p><strong>Taslak ne getiriyor?<\/strong><\/p>\n<p>Taslak Genelge ile bilhassa a\u015fa\u011f\u0131da yer alan konu ba\u015fl\u0131klar\u0131 \u00f6zelinde Y\u00f6netmelik uygulamas\u0131na ili\u015fkin hususlara a\u00e7\u0131kl\u0131k getiriliyor.<\/p>\n<p><strong>Banka \u00e7al\u0131\u015fan\u0131 bilgileri<\/strong><\/p>\n<p>Taslak Genelge\u2019de banka \u00e7al\u0131\u015fan\u0131 bilgilerinin kural olarak ki\u015fisel veriler \u00e7er\u00e7evesinde de\u011ferlendirilece\u011fi ortaya konmakla beraber, baz\u0131 \u00e7al\u0131\u015fan bilgilerinin &#8220;bankan\u0131n mali durumu hakk\u0131nda ya da kredi verme ve mevduat toplama gibi temel faaliyetlerine ili\u015fkin banka y\u00f6netim esaslar\u0131 ve bankan\u0131n uygulad\u0131\u011f\u0131 teknik y\u00f6ntemler ile banka potansiyeli&#8221; hakk\u0131nda bilgi bar\u0131nd\u0131rabilece\u011fini belirterek bu bilgilerin banka s\u0131rr\u0131 olarak ele al\u0131nmas\u0131n\u0131n m\u00fcmk\u00fcn olabilece\u011fi vurgulan\u0131yor.<\/p>\n<p><strong>Kimliksizle\u015ftirmeden yap\u0131lacak payla\u015f\u0131mlar i\u00e7in BDDK g\u00f6r\u00fc\u015f\u00fc<\/strong><\/p>\n<p>Taslak Genelge&#8217;de risk y\u00f6netimi faaliyetleri kapsam\u0131nda uyum riski i\u00e7in ana ortak ile yap\u0131lacak m\u00fc\u015fteri s\u0131rr\u0131 payla\u015f\u0131mlar\u0131na y\u00f6nelik esaslar ve \u00f6l\u00e7\u00fcl\u00fcl\u00fck ilkesi i\u00e7in yap\u0131lacak BDDK ba\u015fvurusunun esaslar\u0131 a\u00e7\u0131klan\u0131yor. Al\u0131c\u0131n\u0131n uyum riski nedeniyle ortak m\u00fc\u015fteriye ait olmayan bilgilerin kimliksizle\u015ftirilmeden ana ortak ile payla\u015f\u0131m\u0131nda BDDK\u2019ya yap\u0131lacak ba\u015fvuruda a\u015fa\u011f\u0131daki bilgilere yer verilmesi gerekecek:<\/p>\n<ul>\n<li>Yap\u0131lacak payla\u015f\u0131mlar\u0131n i\u00e7eri\u011fi, payla\u015f\u0131m amac\u0131 ve mevzuat \u00e7er\u00e7evesinde gereklili\u011fi.<\/li>\n<li>Bilgi Payla\u015f\u0131m Komitesinin \u00f6l\u00e7\u00fcl\u00fcl\u00fck ve uygunluk g\u00f6r\u00fc\u015f\u00fc.<\/li>\n<\/ul>\n<p>Taslak Genelge, BDDK\u2019ya yap\u0131lacak ba\u015fvuruda da yer verilmesi gerekti\u011fi \u00fczere, ana orta\u011f\u0131n talep etti\u011fi bilginin mevzuattan ileri gelen bir y\u00fck\u00fcml\u00fcl\u00fckten veya bir haktan kaynaklan\u0131yor olmas\u0131 ve bu bilginin sunulmamas\u0131 halinde ana orta\u011f\u0131n yapt\u0131r\u0131ma u\u011frama riski bulunuyorsa, s\u00f6z konusu payla\u015f\u0131m\u0131n uyum riski olarak de\u011ferlendirilece\u011fini a\u00e7\u0131kl\u0131yor.<\/p>\n<p>Ayr\u0131ca Taslak Genelge\u2019de i\u00e7 denetim uygulamalar\u0131nda denetim \u00e7al\u0131\u015fma ka\u011f\u0131tlar\u0131 da dahil olmak \u00fczere m\u00fc\u015fterinin kimli\u011fini belirli veya belirlenebilir k\u0131lacak bilgilerin payla\u015f\u0131lmamas\u0131 gerekti\u011fi vurgulan\u0131yor. Ancak s\u00f6z konusu payla\u015f\u0131m uyum riski kapsam\u0131nda de\u011ferlendiriliyorsa ve bunun i\u00e7in bankan\u0131n denetim \u00e7al\u0131\u015fma ka\u011f\u0131tlar\u0131 ya da i\u00e7 denetim uygulamalar\u0131 kapsam\u0131ndaki m\u00fc\u015fteri bilgilerine eri\u015filmesi gerekiyorsa, bu bilgilerin oldu\u011fu gibi payla\u015f\u0131labilmesi i\u00e7in BDDK g\u00f6r\u00fc\u015f\u00fc al\u0131nabilecek.<\/p>\n<p><strong>Yabanc\u0131 otoritelerle yap\u0131lacak payla\u015f\u0131mlar <\/strong><\/p>\n<p>BDDK muadili yabanc\u0131 bir otorite, do\u011frudan T\u00fcrkiye&#8217;deki bankay\u0131 hedef alan bir talepte bulunursa veya otoritenin talebi &#8220;uyum riski&#8221; kapsam\u0131nda kabul edilecek bir talep de\u011filse, bilgi payla\u015f\u0131m\u0131 i\u00e7in Kanun\u2019un 98. maddesi ve Y\u00f6netmelik\u2019in 6. maddesinin 9. f\u0131kras\u0131 uyar\u0131nca kar\u015f\u0131l\u0131kl\u0131l\u0131k ilkesi do\u011frultusunda BDDK onay\u0131n\u0131n al\u0131nmas\u0131 gerekiyor.<\/p>\n<p>Taslak Genelge\u2019de payla\u015f\u0131m\u0131n yaln\u0131zca banka s\u0131rr\u0131 i\u00e7ermesi durumunda da BDDK onay\u0131 al\u0131nmas\u0131 kural\u0131n\u0131n aynen ge\u00e7erli olaca\u011f\u0131 ve Y\u00f6netim Kurulu karar\u0131na istinaden payla\u015f\u0131m yap\u0131lamayaca\u011f\u0131 a\u00e7\u0131klan\u0131yor.<\/p>\n<p><strong>SWIFT i\u015flemleri kapsam\u0131nda payla\u015f\u0131mlar <\/strong><\/p>\n<p>BDDK, SWIFT i\u015flemlerinde, i\u015flem sonras\u0131 kontrolleri i\u00e7in ana ortak ile yap\u0131lacak m\u00fc\u015fteri s\u0131rr\u0131 payla\u015f\u0131mlar\u0131n &#8220;uyum riski&#8221; amac\u0131yla yap\u0131lan payla\u015f\u0131m olarak de\u011ferlendirilebilece\u011fini, ancak burada \u00f6l\u00e7\u00fcl\u00fcl\u00fck ilkesinin de dikkate al\u0131nmas\u0131 gerekti\u011fini ifade ediyor.<\/p>\n<p>Taslak Genelge, s\u00f6z konusu payla\u015f\u0131mlarda talep\/talimat mekanizmas\u0131na da dayan\u0131labilece\u011fini a\u00e7\u0131kl\u0131yor. Y\u00f6netmelik uyar\u0131nca, i\u015flemin do\u011fas\u0131 gere\u011fi yurt d\u0131\u015f\u0131nda kurulu sistemlerle etkile\u015fimin gerekli oldu\u011fu ve bilgilerin payla\u015f\u0131m\u0131n\u0131n zorunlu oldu\u011fu hallerde, i\u015flemin ba\u015flat\u0131lmas\u0131na y\u00f6nelik m\u00fc\u015fteri emri girilmesi, \u201ctalep\/talimat\u201d yerine ge\u00e7iyor. Bu kapsamda bilgi payla\u015f\u0131m\u0131n\u0131n al\u0131nan talimata istinaden, ayr\u0131ca kimliksizle\u015ftirme tedbiri uygulanmadan yap\u0131lmas\u0131 s\u00f6z konusu olabilecek.<\/p>\n<p>\u00d6te yandan, s\u00f6z konusu bilgi payla\u015f\u0131m\u0131n\u0131n yaln\u0131zca zorunlu bilgilerle s\u0131n\u0131rl\u0131 olmas\u0131 gerekecek.<\/p>\n<p><strong>Banka s\u0131rlar\u0131 ve y\u00f6netim kurulu karar\u0131<\/strong><\/p>\n<p>Taslak Genelge, banka s\u0131rlar\u0131n\u0131n y\u00f6netim kurulu karar\u0131 al\u0131nmak suretiyle, \u00fc\u00e7\u00fcnc\u00fc ki\u015filerle payla\u015f\u0131labilece\u011fini vurguluyor ve y\u00f6netim kurulu karar\u0131nda, istisna kapsam\u0131na giren payla\u015f\u0131mlar\u0131n belirtilmesine gerek bulunmad\u0131\u011f\u0131n\u0131 ortaya koyuyor.<\/p>\n<p><strong>Saklama ve raporlama y\u00fck\u00fcml\u00fcl\u00fckleri<\/strong><\/p>\n<p>Y\u00f6netmelik&#8217;in 5. maddesinin 9. f\u0131kras\u0131 uyar\u0131nca yap\u0131lacak raporlamalar i\u00e7in ilk rapor tarihi 31 Aral\u0131k 2022 olarak belirlenmi\u015fti. Taslak Genelge ekinde bu raporlar i\u00e7in kullan\u0131larak formata yer veriliyor. Raporun payla\u015f\u0131m konusu bilgiler, gizlilik s\u00f6zle\u015fmeleri, payla\u015f\u0131m ama\u00e7lar\u0131, teknik ve idare tedbirler, payla\u015f\u0131m yap\u0131lan \u00fc\u00e7\u00fcnc\u00fc ki\u015filerin unvan ve \u00fclkelerini i\u00e7ermesi gerekecek.<\/p>\n<p>\u0130laveten, m\u00fc\u015fterilerin kimli\u011fini belirli k\u0131labilecek bilgilerin payla\u015f\u0131m\u0131na ili\u015fkin bilgilerin 10 y\u0131l s\u00fcreyle saklanmas\u0131 gerekecek.<\/p>\n<p><strong>M\u00fc\u015fteri talep ve talimat\u0131<\/strong><\/p>\n<p>Risk y\u00f6netimi\/konsolide finansal tablo haz\u0131rlama\/i\u00e7 denetim kapsam\u0131na giren payla\u015f\u0131mlarda talep\/talimata dayan\u0131lmas\u0131n\u0131n Y\u00f6netmelik&#8217;in 6. maddesinin 8. f\u0131kras\u0131 uyar\u0131nca BDDK g\u00f6r\u00fc\u015f\u00fc alma y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fc ortadan kald\u0131rmayaca\u011f\u0131 Taslak Genelge ile netle\u015ftirildi.<\/p>\n<p>Talep ve talimatlar i\u00e7in a\u015fa\u011f\u0131daki hususlar\u0131n g\u00f6z \u00f6n\u00fcnde bulundurulmas\u0131 gerekecek:<\/p>\n<ul>\n<li>Banka taraf\u0131ndan haz\u0131rlanan \u00f6rnek metinler kullan\u0131labilir. Ancak, metinler m\u00fc\u015fteri taraf\u0131ndan talimata d\u00f6n\u00fc\u015ft\u00fcr\u00fclmesi gerekecek. M\u00fc\u015fterinin talebin i\u00e7eri\u011fini anlad\u0131\u011f\u0131 ve onaylad\u0131\u011f\u0131na ili\u015fkin yaz\u0131l\u0131 beyan\u0131n\u0131n al\u0131nmas\u0131 gerekecek.<\/li>\n<li>Onaylar dijital imza ile al\u0131nabilecek.<\/li>\n<li>Talep ve talimatlar internet\/mobil bankac\u0131l\u0131k ile sorgulanabilir nitelikte olacak.<\/li>\n<\/ul>\n<p><strong>Ortak m\u00fc\u015fteriler<\/strong><\/p>\n<p>Y\u00f6netmelik uyar\u0131nca ortak m\u00fc\u015fterilere ili\u015fkin payla\u015f\u0131mlar istisna dahilinde ise kimliksizle\u015ftirilmeden yap\u0131labilecek. Taslak Genelge ile ortak m\u00fc\u015fteri kriterleri belirleniyor. Bu kapsamda bir m\u00fc\u015fterinin ortak m\u00fc\u015fteri kabul edilmesi i\u00e7in (i) ayn\u0131 ger\u00e7ek\/t\u00fczel ki\u015finin (ii) e\u015f zamanl\u0131 olarak (iii) hem T\u00fcrkiye&#8217;deki bankan\u0131n hem de ana orta\u011f\u0131n\/hakim orta\u011f\u0131n\/grup \u015firketinin m\u00fc\u015fterisi olmas\u0131 gerekecek.<\/p>\n<p><strong>\u00d6zel nitelikli ki\u015fisel bilgiler<\/strong><\/p>\n<p>Sa\u011fl\u0131k ve cinsel hayat d\u0131\u015f\u0131ndaki \u00f6zel nitelikli ki\u015fisel verilerin m\u00fc\u015fteri s\u0131rr\u0131 haline gelmesi durumunda, bu bilgilerin, s\u0131r saklama y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcnden istisna tutulan hallere dayan\u0131larak \u00fc\u00e7\u00fcnc\u00fc ki\u015filerle payla\u015f\u0131lmas\u0131 m\u00fcmk\u00fcn olacak. \u00d6te yandan, sa\u011fl\u0131k ve cinsel hayata ili\u015fkin bilgilerin, m\u00fc\u015fteri s\u0131rr\u0131 haline gelmi\u015f olsa da, m\u00fc\u015fterinin a\u00e7\u0131k r\u0131zas\u0131 olmadan s\u0131r saklama y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fcn istisnalar\u0131na dayan\u0131larak \u00fc\u00e7\u00fcnc\u00fc ki\u015filerle payla\u015f\u0131lmas\u0131 m\u00fcmk\u00fcn olmayacak.<\/p>\n<p><strong>Hukuki dan\u0131\u015fmanlarla bilgi payla\u015f\u0131m\u0131<\/strong><\/p>\n<p>Hukuki dan\u0131\u015fmanlarla yap\u0131lan payla\u015f\u0131mlar hizmet al\u0131m\u0131 kapsam\u0131nda istisna olarak kabul edilmekle beraber dan\u0131\u015fman bankay\u0131 bir uyu\u015fmazl\u0131k i\u00e7in do\u011frudan temsil ediyorsa m\u00fc\u015fteri s\u0131rlar\u0131 kimliksizle\u015ftirmeden payla\u015f\u0131labilecekken potansiyel bir temsil ili\u015fkisi var ise kimliksizle\u015ftirmeden payla\u015f\u0131m i\u00e7in m\u00fc\u015fteri talep\/talimat\u0131 aranacak.<\/p>\n<p><strong>Sonu\u00e7<\/strong><\/p>\n<p>Taslak Genelge ile 1 Temmuz 2022 tarihinden itibaren y\u00fcr\u00fcrl\u00fc\u011fe girecek olan Y\u00f6netmelik h\u00fck\u00fcmlerine ili\u015fkin bankalar\u0131n g\u00fcndeme getirdi\u011fi soru ve belirsizliklerin netle\u015ftirilmesi ve Y\u00f6netmelikte belirtilen ba\u015fvuru s\u00fcre\u00e7lerine ili\u015fkin ayr\u0131nt\u0131lar\u0131n sa\u011flanmas\u0131 ama\u00e7lan\u0131yor.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yeni geli\u015fmeler 5411 say\u0131l\u0131 Bankac\u0131l\u0131k Kanunu\u2019nun (&#8221;Kanun&#8221;) 73. maddesi h\u00fckm\u00fc, m\u00fc\u015fteri s\u0131rr\u0131 niteli\u011findeki bilgilerin payla\u015f\u0131m ve aktar\u0131mlara ili\u015fkin kapsam, \u015fekil, [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_stopmodifiedupdate":false,"_modified_date":"","footnotes":""},"categories":[120],"tags":[90,93],"class_list":["post-23070","post","type-post","status-publish","format-standard","hentry","category-legal-alerts","tag-banking-finance-tr","tag-information-technology-communications-tr"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Banka M\u00fc\u015fteri S\u0131rr\u0131 Y\u00f6netmeli\u011fi\u2019ne \u0130li\u015fkin Genelge Tasla\u011f\u0131 G\u00f6r\u00fc\u015fe A\u00e7\u0131ld\u0131<\/title>\n<meta name=\"description\" content=\"Yeni geli\u015fmeler 5411 say\u0131l\u0131 Bankac\u0131l\u0131k Kanunu\u2019nun (&#039;&#039;Kanun&#039;&#039;) 73. maddesi h\u00fckm\u00fc, m\u00fc\u015fteri 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