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NSFM, Rostelecom, RTLabs hold the third annual webinar on Interagency E-Interaction System (SMEV) Services for Financial Institutions

25 October


RTLabs presents a comprehensive access platform (KPD)

In his opening remarks, Andrey Yemelin, Chairman of the National Council for the Financial Market (NSFM), highlighted the critical importance of the webinar. He referred to the fact that the discussion of the draft federal law on remote biometric identification of credit institutions’ clients was entering its final stage; amendments to Russian Government’s Decree 1571-r dated 15 August 2012 had been made to expand SMEV services available to credit institutions; work was underway towards a single information system enabling to verify subscriber details in telecom operators’ databases and a number of other interaction projects for financial institutions and e-government services had reached the implementation phase.
RTLabs is NSFR’s committed partner for these projects. Alexey Norin, Director for Financial Sector at RTLabs, presented a comprehensive access platform (KPD) that enables financial market players to computerize data exchange with executive authorities and provide public services via their service channels.
‘With in-cloud implementation, KPD users avoid capital expenditures on developing IT-infrastructure and optimize operational costs for implementation, support and interaction with E-government Infrastructure (IEP). An SMEV connector helps program individual scenarios for financial organizations to work with IEP. An important feature of KPD is a universal integration protocol that operates with all data types that are currently available (such as SMEV2 and SMEV3) and offers implementable services,’ said Alexey Norin.
With regard to a joint project with the Russian Pension Fund, Andrey Yemelin summarised the results of a pilot for retrieving personal account statements for individuals insured by the Pension Fund. This service has been available to banks since early 2017 and is powered by the so-called ‘draft’-based mechanism developed by the Russian Telecom Ministry (see https://partners.gosuslugi.ru/catalog/integration_module).
Further plans include the development of an application appointing a specific bank for pension credits, an application to transfer a pension from one non-government pension fund to another (both ‘draft’-based) and the launch of the Find Out Your SNILS (Personal Pension Account Number) service.
Deputy Head of IT Department of the Russian Federal Tax Service Dmitry Krasnov said that with regard to credit institutions the Federal Tax Service prioritises services that would enable banks to retrieve data from 2-NDFL Forms, check whether or not operations on a corporate taxpayer accounts was suspended and retrieve taxpayers’ TINs from passport details.
Technically, 2-NDFL Forms details can be downloaded through a taxpayer’s Member Area on the Federal Tax Service’s website to a personal computer as a pdf file digitally signed by the Federal Tax Service of Russia. This file digitally signed by the individual can be then emailed by them to a bank.
An SMEV information service to transmit data from 2-NDFL Forms from the Member Area on the Federal Tax Service’s website to the Member Area on EPGU, through the use of drafts (given the amendments introduced by Decree 2147-r dated 3 October 2017 to Decree 1571-r dated 15 August 2012), is to become operational by 1 February 2018 – the date indicated in the Decree.
Additionally, Decree 2147-r stipulates that information related to a decision to suspend (or cancel a decision to suspend) operations or e-transfers on a corporate bank account must be available for registration in the SMEV3 production environment by 1 February 2018. The same applies to individual accounts indicated in paragraph 11 of Article 76 of the Russian Tax Code and to IDs of individual tax payers on the basis of their surname, name, patronymic, passport details and date of birth.  
Decree 2147-r was discussed in detail by Yevgeni Belyaev, Head of Projects for ESIA Development, Department for E-Government, Russian Telecom Ministry. It includes a modified list of information that federal executive bodies and banks exchange through SMEV. This list has been significantly broadened following recommendations from the banking community, as has been the composition of federal executive bodies involved in data exchange with credit institutions.
Banks are now entitled to use SMEV to retrieve data on real property owned by individuals and entities; details of corporate tax returns and personal income data; corporate financial statements, electronic vehicle passports; individual taxpayer numbers and other sensitive information.
The list of federal executive bodies that deliver details of individuals and corporates to banks now includes the Russian Federal Antimonopoly Service (with regard to whether or not a legal entity is on the list of unscrupulous suppliers) and Rosstat (corporate financial statements).
Some items indicated in Decree 2147-r are transferred to banks directly, while some require a data transmission consent on the Unified Portal of Public Services from the applicant and owner of the information (through the use of ‘drafts’).
It is expected that ‘drafts’ will soon be used to retrieve criminal record data as well. The ECIA Integration Module and other Telecom Ministry services will be transferred to SMEV3, while the Telecom Ministry is expected to register with the Ministry of Justice its order with a list of requirements regulating the delivery of requests for public and municipal services by applicants and transfers of deliverables to third parties, added Yevgeny Belyaev.
Of particular interest to webinar participants was the system for remote biometric identification of credit institutions’ clients. Yevgeny Belyaev discussed the progress of draft Federal Law 157752-7 (and the relevant by-laws) On Amending the Federal Law Against Money Laundering and Terrorism Financing that puts in place a mechanism for interactive remote authentication and identification of credit institutions’ clients.  
The State Duma passed the bill in the first reading on 27 September 2017. The draft provides a suspension period of six months during which all the relevant by-laws are expected to be developed and passed.
The second reading has been scheduled for November this year. The key issues to be addressed in the second reading include the definition of criteria for banks to become involved in the project as ‘donors’ of biometric samples, the terms and provisions for making bank account / deposit agreements and the restrictions on the number of accounts / deposits that could be opened for one individual and the amount of transactions / loans / transfers that can be made with remote identification.
Andrey Sayenko and Anastassia Taranina, Rostelecom, and Kirill Pavlov, RTLabs, answered numerous technical questions from banks on biometric identification.
In his presentation, Yuri Bozhor, Head of Department for Methodology and Financial Availability Risk Analysis of the Bank of Russia’s Board for Consumer Rights and Financial Services Availability, stressed the relevance of remote financial services for disabled persons.
Closing the remote identification section, Viсtor Lebedev, Chief Engineer of Information Security Methodology and Standardization Department of the Central Board for Information Security of the Bank of Russia, discussed the progress of draft federal law On Amendments to Federal Law 126-FZ dated 7 July 2003 (On Communication) that intends to establish a unified information system for the verification of telecom operators’ subscriber databases, which will become a crucial component of the remote individual identification system. Andrei Akhramenov, Deputy Director of Reporting Processing Department, Bank of Russia, discussed a new mechanism for interaction of credit institutions and the regulator available at their member areas on the Bank of Russia’s website.
This tool, introduced by Federal Law 153-FZ dated 1 July 2017, can be used by credit institutions to retrieve multiple documents from the Bank of Russia, including requests, requirements / instructions, and also to deliver documents and information to the Bank of Russia. Credit institutions can use it to exercise other rights and obligations under federal laws and Bank of Russia’s regulations.
The Bank of Russia is soon expected to pass a regulation establishing an interaction procedure for itself and credit institutions using their member areas.
Participants also discussed the system for vehicle e-passports; improvements for electronic interaction with the Russian Bailiffs Service; the procedure to request client’s consent to send them an electronic credit report; information exchange between financial organizations, credit bureaus and government agencies for the purposes of debt burden calculation.
Prior to closing the event, the speakers had to take quite a few questions from the audience.
The event was attended by more than 50 major Russian banks and financial organizations and vendors offering technologies for electronic document exchange with government agencies.