The system for preventing money laundering and financing of terrorism in the Republic of Croatia

„Pranje“ novca i financiranje terorizma globalni su problemi u porastu, posebice tijekom 21. stoljeća. Bit navedenih kriminalnih aktivnosti jest stvaranje financijske koristi i zakonite imovine od nezakonito steĉenih sredstava. „Oprana“ sredstva koja ulaze u legalni opticaj, ĉesto su ostvarena ograniĉavanjem ili iskorištavanjem ljudske vrste putem nezakonitih radnji. Takva se steĉena sredstva ponekad koriste za realizaciju cilja teroristiĉkoga djelovanja, kojima se ugroţava egzistencija ljudi, odreĊene nacije ili naroda. Pranje novca i terorizam, u navedenom sluĉaju, ĉine povezani lanac kojim se narušava socijalna sigurnost te se izaziva osjećaj nemoći u društvu. Kako bi se sprijeĉilo cirkuliranje i daljnji protok opranoga novca, nadleţne drţavne institucije i meĊunarodna tijela kontroliraju poslovanje obveznika koji svojim radom, analizama i provjerama stranaka doprinose pravovremenom otkivanju pranja novca. U radu su opisane metodologija i tipologija pranja novca i financiranja terorizma. TakoĊer, istraţeno je funkcioniranje i obveze svakoga organa na nacionalnoj i meĊunarodnoj razini, u tijelu sustava sprjeĉavanja pranja novca i financiranja terorizma. Analizom trenda prijavljenih sumnjivih transakcija u Republici Hrvatskoj, u posljednjih pet godina, prikazano je kako djeluje Ured za sprjeĉavanje pranja novca, s obzirom na inozemne standarde i oĉekivanja te regulirane zakone i propise. Istraţivanjem i analizom predmetne teme, donesen je zakljuĉak kako je nuţno kontinuirano pratiti metode kojim se peraĉi novca pokušavaju izmaknuti dotadašnjim pravilima. U koraku s navedenom problematikom potrebno je mijenjati zakone te upoznati i informirati javnost o negativnim uĉincima koje pranje novca donosi društvu.Money laundering and terrorist financing are global problems on the rise, especially during the twenty-first century. The essence of these criminal activities is the creation of financial benefits and legal assets from illegally acquired funds. Laundered funds that enter legal circulation are often created by restricting or exploiting the human species through illegal actions. Funds acquired in such manner are sometimes used to achieve the goals of terrorist activities that threaten the existence of people or a certain nation. Money laundering and terrorism thus form an interconnected chain that undermines social security and causes a feeling of helplessness in society. To prevent the circulation and further flow of laundered money, competent state institutions and international bodies supervise the operations of taxpayers who, through their work, analyses, and supervision of the parties, contribute to the timely detection of money laundering. The final thesis describes the methodology and typology of money laundering and terrorist financing and investigates into the functioning and obligations of each body at the national and international level within the body of the system for preventing money laundering and terrorist financing. The analysis of the trend of reported suspicious transactions in the Republic of Croatia in the last five years shows how the Office for the Prevention of Money Laundering operates concerning foreign standards and expectations as well as regulated laws and regulations. By research and analysis of the topic, it was concluded that it is necessary to continuously monitor the methods by which money launderers try to evade the previous rules, and in accordance with this to change the laws, as well as to familiarize and inform the public about the negative effects that money laundering brings to society