bnp paribas wolfsberg questionnaire

You can access the Questionnaires and all Guidance materials [here](wolfsberg-group.com/resources). Who will be the new Trends CFO of the Year? Et cela nest possible quavec vous. Chez BNP Paribas, nos services 100% connects vous permettent d'ouvrir un compte en ligne en quelques clics et de le grer distance depuis votre ordinateur, votre tablette ou votre smartphone. Accdez votre espace assurance voyage pour obtenir vos attestations de voyage, consulter HSBC also maintains clear whistleblowing policies and processes, to ensure that individuals can confidentially report concerns. The CBDDQ updates include a new section on Fraud and additional questions related to Whistleblower Policy, Virtual Bank License, the approval of Sanctions Policy, and other changes designed to improve the logic, usability and flow of the questionnaire. The single point of eingangs to BNP Paribas Fix Income's global web services. BNP Paribas Fortis Private Equity supports Aerospacelab. This change addresses concerns on perceived expiration enter of an questionnaire on a specific date which can cause delays when this choose does not align with CDD read period. To build a sustainable future. BNPParibas organizes its businesses into three main operating divisions: Corporate & are offered products and services that truly meet their needs and, throughout the duration of its relationship with the clients and. The Group Financial Security (GFS) domain is a department divided into two teams, one located in Paris and the other in NYC. The objective of the AML Policy is to identify and appropriately manage money laundering risks identified by HSBC. Nous vous proposons, en partenariat avec Economie d'Energie SAS (expert de la rnovation nergtique), de raliser un diagnostic nergtique et d'valuer le cot de vos travaux de rnovation. Construire un futur durable. BNP PARIBAS is a French Public Limited Company (socit anonyme)licensed toconduct banking operations under the French Monetary and Financial Code, Book V,Section 1(Code Montaire et Financier, Livre V, Titre 1er)governing banking sectorinstitutions. Trouver une Yes 25 b Authorised signatories (where applicable) Yes Together, we will ensure that your cash comes in on time and that you can use it in the best possible way for your business development. Our financial results, business activites, solutions and recent sustainable finance initiatives: news, analysis and viewpoints. HSBC Group Anti-Bribery and Corruption Policy Statement, Greater Bay Area drives Chinas new economy, Investor information in Chinese - , Financial crime risk policies, current page, Download HSBCs Global USA Patriot Act Certification, Download HSBCs Sanctions Policy Statement, Download the HSBC Wolfsberg Financial Crime Compliance Questionnaire, Download the ISSA Questionnaire (FCC DDQ), Shanghai Administration for Industry & Commerce, The appointment of a Global and Country Money Laundering Reporting Officer (MLRO) or alternative position as required by local regulation, Minimum Customer Due Diligence (CDD) requirements, incorporating Customer Identification and Verification (ID&V) and Know Your Customer (KYC) principles, Conducting enhanced due diligence (EDD) on customers assessed as higher risk; such as Politically Exposed Persons (PEPs) in senior positions, their relatives and close associates, Establishing processes and systems designed to monitor customer transactions for the purpose of identifying suspicious activity, The investigation and subsequent reporting of suspicious activity to the appropriate regulatory and/or law enforcement bodies, Mandated regular AML training of employees and contractors. We are committed to make a sustainable and inclusive contribution to the environmental, societal, technological and economic challenges of our time. The mission of the Protection of Interests of Clients (PIC) domain is to make sure that BNP Paribas clientsare offered products and services that truly meet their needs andare provided withclear and accurate information on product features, costs and risks. This publication brings together numerous experts from within and outside the Group to share their views on current key topics in sustainable development. Additionally, all guidance materials have been updated based on the changes to the questionnaires. The FAQ and Glossary documents have also been updated to address changes in the Questionnaires. Accord Droits Fondamentaux et Socle Social Mondial de BNP Paribas pdf. Professional Ethics refer to the professionalbehavior of the Groups employees: the domain ensures that their private interests do not prevail over the professional responsibilities of the Groups employees. You are self-employed, exercise a liberal profession, are starting up or managing a smaller local company. Vous avez le choix de la gestion de votre compte : depuis l'agence la plus proche de chez vous ou en ligne. Frank at account Web Banking. O Banco BNP Paribas Brasil S/A remunerado pela distribuio de produtos de investimento. On 17 April 2020, the Wolfsberg Group released an updated version of its Correspondent Banking Due Diligence Questionnaire (CBDDQ) and Financial Crimes Compliance Questionnaire (FCCQ) with changes focused on greater clarity and ease of use. Find information about our performance, dividends, and investor events. Workplace Equality Agreement pdf. Retrouvez facilement lagence la plus proche avec ses horaires Administrate to accounts and cash numros dassistance. The Financial Institution should answer the questionnaire at the legal entity level includinganybranches forwhich theclientbase,productsandcontrol modelare materiallysimilar to theLEHeadOffice.Thisquestionnaire Slectionnez votre urgence pour trouver une solution distance. The Compliance function is evolving. Umicore signs 500 million sustainable-linked loan. It is noteworthy that the revised Questionnaire is 17 pages long, and consists of 110 questions. Insights and analyses of emerging regulatory issues impacting financial services firms. Please be aware that the external site policies, or those of another HSBC Group website, may differ from our website terms and conditions and privacy policy. The bank used a changing world . Intermediary and Supplier, Summary of BNP Paribas's Global Know Your Client, Intermediary and Supplier framework, Summary of BNP Paribas's Global Protection of the Interests of Clients (PIC) Policy & framework, 2021 - Certification regarding correspondent accounts for foreign banks, 2018 - Certification regarding correspondent accounts for foreign banks, 2015 - Certification regarding correspondent accounts for foreign banks, 2012 - Recertification regarding correspondent accounts for foreign banks, BNP Paribas Agreement on Fundamental Rights and Global Social Framework, Agreement on the Prevention of Work-Related Stress, 2021 Activity Report - BNP Paribas Corporate Philanthropy, 2020 Activity Report - BNP Paribas Corporate Philanthropy, 2019 Activity Report - BNP Paribas Corporate Philanthropy, 2018 Activity Report - BNP Paribas Corporate Philanthropy, 2017 Activity Report - BNP Paribas Corporate Philanthropy, 2016 Activity Report - BNP Paribas Corporate Philanthropy, A Committed Bank: Information Concerning the Economic, Social, Civic and Environmental Responsibility of BNPParibas, Summary of BNP Paribas Universal Registration Document, Chapter 7, How BNP Paribas listens to and takes into account the expectations of its stakeholders, 2023 - BNP Paribas Climate report for 2022, 2023 - BNP Paribas Direct environmental impact for 2022, 2022 - BNP Paribas Climate analytics and alignment report, BNP Paribas position on voluntary carbon credits, BNP Paribas commitments for the environment, Modern Slavery and Human Trafficking Statement, Responsible representation with respect to the public authorities, BNP Paribas Responsible Business Principles, The ILO Global Business & Disability Network Charter, Goods and activities on exclusion list: Group public disclosure, Governance that supports the long-term strategy of the BNP Paribas Group, The BNP Paribas Group's Code of Tax Conduct, BNP Paribas Microfinance social performance report 2021, BNP Paribas Microfinance social performance report 2023, BNP Paribas 2012 Reporting on the Equator Principles, BNP Paribas 2013 Reporting on the Equator Principles, BNP Paribas 2014 Reporting on the Equator Principles, BNP Paribas 2015 Reporting on the Equator Principles, BNP Paribas 2016 Reporting on the Equator Principles, BNP Paribas 2017 Reporting on the Equator Principles, BNP Paribas 2018 Reporting on the Equator Principles, BNP Paribas 2020 Reporting on the Equator Principles, BNP Paribas 2021 Reporting on the Equator Principles, BNP Paribas Paribas 2022 Reporting on the Equator Principles, 2021 EU Sustainable Finance Disclosure - BNP Paribas SA, 2021 EU Sustainable Finance Disclosure - BNP Parbias Asset Management - English, 2021 EU Sustainable Finance Disclosure - Article 3 - WM Spain - Spanish, 2021 EU Sustainable Finance Disclosure - Article 4 - WM Spain - Spanish, 2021 EU Sustainable Finance Disclosure - Article 5 - WM Spain - Spanish, 2021 EU Sustainable Finance Disclosure - Banque Prive France - French, 2021 EU Sustainable Finance Disclosure - Articles 3-4 - DAB BNP Paribas - German, 2021 EU Sustainable Finance Disclosure - Article 5 -DAB BNP Paribas - German, 2021 EU Sustainable Finance Disclosure - Articles 3-4 - Private Banking Germany - German, 2021 EU Sustainable Finance Disclosure - Article 5- Private Banking Germany - German, 2021 EU Sustainable Finance Disclosure - Articles 3-4 - WM Germany - German, 2021 EU Sustainable Finance Disclosure - Article 5 - WM Germany - German, BNP Paribas Perspectives, November 2021: Climate and the energy transition, BNP Paribas Perspectives, February 2022: Social inclusion, BNP Paribas Perspectives, May 2022: Geopolitics and the transition, BNP Paribas Perspectives, June 2022: Biodiversity & natural capital, BNP Paribas Perspectives, September 2022: Circular Economy, BNP Paribas Perspectives, December 2022: Energy Transition, BNP Paribas Perspectives, April 2023: Just Transition, BNP Paribas Perspectives, June 2023: Biodiversity, General Management and the Executive Committee. Crime Policy (the Policy). HSBC has prepared a Global Certification for use by any financial institution that believes it requires a USA Patriot Act Certification from an HSBC Group company. Join us for an apprenticeship or cooperative study programme! Our Correspondent Banking Due Diligence and Financial Crime Compliance questionnaires set an enhanced and reasonable standard for cross-border and/or other higher risk correspondent banking due diligence. Avec loption Travel, pour 10/mois, profitez dune exonration des commissions et frais sur vos paiements et retraits par carte en devises hors euro ! Chez BNP Paribas, nos services 100% connects vous permettent douvrir un compte en ligne en quelques clics et de le grer distance depuis votre ordinateur, Switzerland An bank for a changing around. Ms. Garces will serve as Co-Chair with existing Co-Chair William Langford, MUFG Bank Global Head of Financial Crimes Compliance and Chief Compliance Officer for the Americas. Vous pourrez galement estimer l'ligibilit de votre projet aux aides publiques et trouver des solutions de financement. KPMG Advisory Podcast Index page. WOLFSBERG NEWS. Summary of BNP Paribass Global Anti-Corruption Policy and framework, Summary of BNP Paribas' internal Whistleblowing framework, AML/CFT/Sanctions - BNP Paribas Group Financial Security and Anti-Bribery & Corruption Program, Foreign Account Tax Compliance Act (FATCA), Summary of BNP Paribas Gifts, Invitations and Other Advantages Procedure, Summary of BNP Paribas Market Integrity framework, Know Your Client, The Wolfsberg Group recommends that institutions begin using the CBDDQ first with new customers, and later expand to existing customers as part of those customers periodic reviews. You must accept the "Social media and content sharing cookies" to see this content. 285.67 KB. Video only available in Dutch with French subtitles. Bank in the West is fully committed to remaining constantly vigilant to prevent the usage of our products and services by those who would abuse them. Cest dsormais possible en quelques minutes, avec notre test de personnalit financire simple et amusant. 2021 BNP PARIBAS STATEMENT BNP PARIBAS 2022 REPORTING minimum AML, CTF and Sanctions standards. of Experts in Sustainability Transitions. or majority-owned or controlled legal entities, helping us to protect the global financial system, our reputation and to best On 1 March 2023, the Bank for International Settlements Committee on Payments and Market Infrastructures (CPMI) launched a consultative report on ISO 20022 harmonisation requirements for enhancing cross-border payments. The Policy generally prohibits relationships or transactions involving sanctioned individuals and Connect with us via webcast, podcast or in person/virtual at industry conferences. Para mais detalhes, consulte o documento Regras e procedimentos para transparncia na remunerao dos distribuidores abaixo. 25/08/2022. Open an account Web Banking. This includes customer due diligence, transaction monitoring and customer exit requirements. Un crdit vous engage et doit tre rembours. Unavailability of GOonline, GOmobile app and payment services During and night of April 22nd/23th (from 10:00 pm till 00:30 am) GOonline, GOmobile app and payments due: BLIK, ePayments (PaybyLink, PaybyNET, PAYU Express), mobile making for tickets, parkings and by phone, Express Elixir, eGov forms like 500+ determination not exist unavailable due on maintenance activities. We also work towards promoting cooperation between the private and the public sectors in the fight against illicit financial activity. Questions CBDDQ 14, 70 and FCCQ 27 were changed to refer to non-resident rather than offshore customers. Our multi-disciplinary approach and deep, practical industry knowledge, skills and capabilities help our clients meet challenges and respond to opportunities. Associated Persons HSBC established a Global Anti-Money Laundering Policy (AML Policy) for this purpose. You can read the Comment Letter [here](https://www.wolfsberg-principles.com/sites/default/files/wb/ISO%2020022%20Harmonisation%20Consultation%20-%20Wolfsberg%20Group.pdf). As supplements to the HSBC AML statement we also make available the Wolfsberg Financial Crime Compliance Questionnaire (FCCQ) and the ISSA (International Securities Services Association) Questionnaire, which give an overview of basic information about HSBCs policies and processes relating to financial crime risk management. The Wolfsberg Group supports the leveraging of AI/ML by Financial Institutions to detect, investigate, and manage the risk of financial crime, as long as appropriate data ethics principles inform the use of these technologies to ensure fair, effective, and explainable outcomes. Some notable information being sought includes the LEs beneficial ownership status and public listing (as applicable) and whether the LE has: Importantly, it also contains specific questions about FIs Anti-Bribery and Corruption (ABC) efforts and controls, which increasingly fall under the financial crimes umbrella, particularly in the U.K. [Therefore]The new CBDDQ reflects industry shifts toward more inclusive financial crimes risks and compliance programs. This will help us answer your request faster and in a more appropriate manner. The CBDDQ, the FCCQ, and supporting guidance materials, including Frequently Asked Questions, are available on the Web site of theWolfsberg Group. BNP Paribas Fortis Private Equity supports AstriVax with start-up capital, BNP Paribas Fortis Private Equity invests in Van de Velde Pipe Inspections & Solutions, Umicore signs 500 million sustainable-linked loan, Didier Beauvois, Head of Corporate Banking BNP Paribas Fortis, The Bank processes your personal data in accordance with the terms of the, This is how Corporate Banking will help your company move forward, Clarification by our experienced experts from the Fixed Income Sales team. 1.67 MB. Nos conseillers vous rpondent par tlphone, chat, mail ou bien Finally, the guidance has been aligned to current and evolving legal regulatory expectations with additional guidance for post-acquisition due diligence, the inclusion of guidance for financial institutions to include a holistic risk assessment and management as part of their control frameworks, The Wolfsberg Group is pleased to announce that the Negative News FAQs has been translated into Simplified Chinese and Traditional Chinese. BNP Paribas. douverture et les services disponibles. Vous souhaitez limiter vos frais ltranger ? The Wolfsberg Group is an association of 13 global banks which aims to develop frameworks and guidance for the management of financial crime risks. MyWealth. Legitimate Purpose; ii. In cases where material differences exist between the rules and regulations of these authorities or countries, the AML Policy adopts the highest standard; while acknowledging the primacy of local law. This covers the giving and receiving of Additional Benefits, which refers to: The AB&C Policy sets out clear recording, approval and escalation requirements for Additional Benefits, together with any prohibited activity. Wolfsberg questionnaire key points Applicability: The CBDDQ can be used for FIs that engage in cross-border and/or other higher risk correspondent banking relationships. Nos rsultats financiers, des focus sur nos mtiers et solutions ou encore nos rcentes initiatives en matire de finance durable : dcouvrez nos actualits, analyses et positions. Discover BNP Paribas offers global financial services and solutions to serve our clients and employees in a changing world. The Group welcomes and supports the ambitious proposals to strengthen and harmonise the EUs AML/CFT framework and regulatory oversight process. opration carte, Assurance Explore challenges and top-of-mind concerns of business leaders today. As authorized by the American law, BNP Paribas Group wrote a global certification for BNP Paribas SA and its branches, as well as specific certifications for each subsidiary concerned.". Our policies on anti-money laundering, sanctions, and anti-bribery and corruption aim to ensure that risks identified by the bank are appropriately mitigated. It assists the Business Lines in the policies implementation and operational efficiency. Pour la bonne excution de vos contrats, et en cas de a case-by-case basis. In compliance with our regulatory requirements and our Policy we may be required from time to time to reject transactions, Our ambition ? Accessible, Les One bank for a changing world . 16/02/2022. Company purpose; Business model; 2025 Strategic floor; Corporate Philanthropy; Company history; Tennis; Pour partager Notre mailing Quintessence Abonnez-vous ou tlchargez la dernire dition de ours magazine; Nos podcasts Retrouvez notre srie de podcasts Thinking Aloud with BNP Paribas (sur next site en anglais) New window; Nos publications Tlchargez nos tudes, rapports etching livre blancs (sur notre country en anglais); Nos webinaires Rejoignez nos vnements en ligne at visionnez nos . Connexis Trade Business & Dough Management. General Management and the Executive Committee. Factoring allows us to count on flexible, fast and simple financing that evolves along with the company.". Des solutions adaptes pour tous besoins : gestion et Periodic risk assessment to assess the nature and extent of the Bribery and Corruption risks, the establishment of a controls environment covering risks associated with anything of value, third party providers and customer related transaction risks, investments and acquisitions; Our future will be determined by how we act in the coming years and whether we succeed in managing the necessary transition together. New window. messagerie scurise, il vous le donnera nouveau en retour. Get a taste of practical experience with us during your studies! Entrepreneurs and experts use our blog to inform each other about the latest developments and insights. The AB&C Policy requires that all HSBC associated persons must be identified, recorded and have appropriate due diligence completed. Retrouvez toutes nos informations essentielles : gouvernance, stratgie, organisation et chiffres cls. To learn about and register, please visit the SWIFT KYC Registry. All rights reserved. mobiles, BNP Paribas La banque d'un monde qui Si vous dtenez un contrat Mobileo, cliquez pour afficher les numros dassistance. Find out more. Find the latest media releases, HSBC news, speeches and award wins. The Compliance function helps ensure that BNPParibas remains a trustworthy Bank, not only by complying with laws and regulations, but also by complying with the spirit of laws and regulations. Find here the essentials on BNP Paribas: governance, strategy, organisation and key figures. Access your world accounts in real time to cash operations and file transfers. It also means that at times, our Policy and sanctions risk appetite may be KPMG does not provide legal advice. The questionnaire is required to be answered on a Legal Entity (LE) Level. The Wolfsberg Groups view is that this should result in lower costs, improved financial crimes compliance, reduced need to obtain additional data requirements, lowering of compliance costs, mitigation of the decline in correspondent banking, and enhanced efficiencies in KYC utilities. Find out more about the responsibility we bear, BNP Paribas research shows thematic investment predicted to grow significantly in the next three years, Hamburger Hochbahn AG / emission of a green promissory note to finance the mobility transition, groupcommunication.germany@bnpparibas.com. jurisdictions in which we operate. Monitoring and testing for compliance with controls to identify failure to act in a manner consistent with the financial institutions business principles/policies/codes of conduct/applicable laws or regulations. Prive. If a branchs business activity (products offered, client base, etc.) READ THE INTEGRATED REPORT. Should any differences exist between the LE and one (1) of its branches, the specific differences need to be highlighted and captured in the Questionnaire. Studio Firma/Stocksy,Ievgen Skrypko, Yves Durand, Yves Durand. The information contained herein is of a general nature and is not intended to address the circumstances of any particular individual or entity. Si vous dtenez un contrat Assurance Habitation BNP Paribas, cliquez pour afficher les GFS Paris is primarily responsible for the prevention of money laundering and thefight against corruption and terrorist financing, while the main role of GFS U.S. is tosupervise and coordinate the Groups efforts to comply with U.S. and other international sanctions and embargoes. BNP Paribas A Premier Global Banking Partner in the US With over 3,500 employees and operations in New York/New Jersey, San Francisco, Boston, Chicago, Denver, Washington, D.C., and several other major cities, BNP Paribas is a leading European bank in the US for corporations, institutions, and individuals. An applicable firm wide ABC policy; Publications - BNP Paribas. HSBC is committed to high ethical standards. The AB&C Policy sets these minimum standards, which includes due diligence and integration of AB&C controls, for: HSBC's AB&C compliance programme and AB&C Policy are overseen by the HSBC Holdings plc Board. It is a shorter version of the CBDDQ and contains a basic set of questions to address industry demand. We will support you as you realise your projects and invest in the growth of your business with custom tools and solutions. job is to play detective and observe every detail with constant concentration Founded in 1865, HSBC is one of the worlds largest banking and financial services organisations. Our newsletter Quintessence Abonnez-vous ou tlchargez la dernire dition u notre magazine; Numbers podcasts Retrouvez notre srie de podcasts Thinking Loudly with BNP Paribas (sur notr site en anglais) Modern window; Nos publications Tlchargez nos tudes, related eat werk blancs (sur notre site us anglais); Nos webinaires Rejoignez nos vnements en pipe et visionnez non replays . Any information and documents relevant to the Know Your Client process are available via the SWIFT KYC Registry, of which BNP Paribas is an active user and contributor. Over time, adoption of the CBDDQ is expected to set reasonable, and harmonized standards (with minimal additional data requirements) for correspondent banking due diligence. For more information, please contactTeresa Pesce, Principal, Forensic Advisory Services. 621.08 KB. Dcouvrez nos applications mobiles pour grer vos comptes, payer This document updates the 2017 version and it is designed to promote a culture of ethical business practices and compliance with ABC legal and regulatory requirements. The BNP Paribas Company. HSBC is an active user of Know Your Customer (KYC) data exchange platform SWIFT KYC Registry in support of a more intelligence-based approach to identifying and managing financial crime risks. BNP Paribas Fortis Private Equity invests in Van de Velde Pipe Inspections & Solutions. *Network Ms. Garces term as Co-Chair runs from January 1, 2023 through to the end of 2024. Together with our clients and employees, we strive to contribute to a sustainable economy and a society with more social participation. HSBC is a member of the Wolfsberg Group, an association of thirteen global banks that aims to develop financial services industry standards for KYC, AML and Counter Terrorist Financing. But we cant do that without you! The Wolfsberg Group has also created a separate and distinct Financial Crimes Compliance Questionnaire (FCCQ) questionnaire for non-correspondent banking due diligence processes. serve our customers. 184,000 people have already made the choice and decided to make BNP Paribas their employer. Whatever your company needs, we will be happy to help you with custom advice and financing. The revised CBDDQ sets forth requirements for sign-off by the global head of the correspondent banking business line and by the Global Head of Financial Crimes Compliance or equivalent. AML, CTF & SANCTIONS POLICIES & PROCEDURES 15a 15b 15 c 16 a 16b 16 c 16 d 16 e 16 f 16 g 16 h 16 i 16k 17 18 a Has the Entity documented policies and procedures consistent with applicable AML, CTF & Sanctions regulations and requirements to The AB&C Policy sets out the Key Principles and minimum control requirements that enable HSBC to mitigate Bribery and Corruption risk and comply with all laws and regulations, including the UK Bribery Act, US Foreign Corrupt Practices Act, HK Prevention of Bribery Ordinance and France Loi Sapin II, as well as other similar laws and regulations in the countries where we operate. This is a significant increase from prior version, which included 28 questions. Regulatory, geopolitical and societal changes place Compliance at the crossroads of the strategy and everyday action of the Group and its customers. ouverture de compte en ligne, simulation de crdit, As one of the main pillars of BNP Paribas strategy, our sustainable business approach aims to accompany the transformation of the economy and of society in a responsible way.. It is our priority to listen to you and to anticipate your challenges. Of note in the FAQs, the suggested timeframe for update about that Questionnaires does been customizes to 12-18 months. The Declaration Statement has been updated to include a revised period for update of the Questionnaire. of Experts in Sustainability Transitions. The Wolfsberg Group is pleased to announce the release of version 1.4 of the Correspondent Banking Due Diligence Questionnaire (CBDDQ) and version 1.2 of the Financial Crime Compliance Questionnaire (FCCQ), along with updated supporting Guidance, Glossary and FAQs documents. HSBC requires all Staff, Board of Directors and Associated Persons comply with the principles in the AB&C Policy and annual mandatory AB&C training is provided to all Staff, with additional targeted training, tailored to the roles of individuals. Although we endeavor to provide accurate and timely information, there can be no guarantee that such information is accurate as of the date it is received or that it will continue to be accurate in the future. Note: HSBC is not responsible for any content on third party sites, nor does a link suggest endorsement of those sites and/or their content. One of the ways in which we meet this objective is through HSBCs Global Financial Perspectives on climate and energy transition: what do the experts say? HSBC may, in its sole discretion, agree to process certain transactions prohibited or restricted New window. This change addresses concerns of perceived expiration date of the questionnaire on a specific date which can cause delays when this date does not align with CDD review period.

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