أرمينيا KYC, KYB & AML compliance checklist
قائمة عملية وموثقة بالمصادر لتنفيذ متطلبات KYC وKYB وAML في أرمينيا.
- تاريخ آخر مراجعة
- تاريخ آخر مراجعة:
- الإصدار
- الإصدار 1.0
دليل تنفيذ قابل للتنزيل
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11 مجالات رقابية · 40 فحوص تنفيذ
تاريخ آخر مراجعة: 9 November 2026 · الإصدار 1.0
تنزيل قائمة التحققإجابة مباشرة
ما الذي تغطيه قائمة الامتثال الخاصة بـ أرمينيا؟
تحوّل قائمة أرمينيا قواعد KYC وKYB وAML الأساسية إلى 11 مجالات رقابية و40 فحوص تنفيذ، وتشمل الجهات المختصة وواجبات الإبلاغ والأدلة الواجب الاحتفاظ بها.
حقائق تنظيمية أساسية
- Primary AML law
- Law on Combating Money Laundering and Terrorism Financing
- FIU
- Financial Monitoring Center of the Central Bank
- General mandatory report
- Transactions above AMD 20 million, subject to statutory exceptions
- Real-estate mandatory report
- Transactions above AMD 50 million
- Suspicious reporting
- Same business day; if impossible, by 12:00 next business day under applicable rules
- Beneficial owner
- 20% ownership/participation, other actual control, then management fallback
- Records
- At least 5 years
- FATF public lists
- Not listed at October 2026
تفاصيل التنفيذ
متطلبات وإجراءات الامتثال في أرمينيا
افتح كل مجال لمراجعة المتطلب وإجراء التنفيذ المقترح والأدلة الواجب الاحتفاظ بها والمصدر الأساسي.
01Scope, authorities, and licensingClassify the activity and competent supervisor before launch.3 عناصر+
Determine whether each activity is a reporting-entity activity.
- إجراء التنفيذ
- Map banking, credit, payment, securities, insurance, gambling, legal, accounting, real-estate, precious-metals, crypto-asset and other services to the current statutory perimeter; do not transfer one sector's rules to another.
- الأدلة الواجب الاحتفاظ بها
- Perimeter memo, service map and source register.
- المصدر الأساسي
- AML/CFT Law, Articles 3-4
Obtain every required licence or registration.
- إجراء التنفيذ
- Confirm Central Bank or other competent-authority requirements before banking, payment, electronic-money, securities, insurance, lending, exchange, gambling or crypto-asset activity.
- الأدلة الواجب الاحتفاظ بها
- Licence matrix, approvals, registrations and conditions.
- المصدر الأساسي
- Applicable sector legislation and Central Bank regulations
Use FMC and the correct supervisor.
- إجراء التنفيذ
- Maintain a dated authority map and the prescribed reporting form, online channel and escalation route for the entity type.
- الأدلة الواجب الاحتفاظ بها
- Authority map, portal access and acknowledgements.
- المصدر الأساسي
- AML/CFT Law, Articles 10-11; sector reporting rules
02Governance and risk assessmentControls must be risk-based, approved and tested.3 عناصر+
Document institutional and customer ML/TF/PF risk assessments.
- إجراء التنفيذ
- Assess customer, beneficial owner, geography, product, service, transaction, delivery-channel, technology and group risks; update after material change.
- الأدلة الواجب الاحتفاظ بها
- Methodology, assessments, approvals and remediation.
- المصدر الأساسي
- AML/CFT Law, Article 4 and applicable Central Bank regulation
Maintain compliant internal legal acts and an internal monitoring function.
- إجراء التنفيذ
- Document governance, responsible staff, CDD, screening, monitoring, reporting, training, quality assurance and independent review proportionate to risk.
- الأدلة الواجب الاحتفاظ بها
- Internal acts, appointments, training and test reports.
- المصدر الأساسي
- AML/CFT Law, Articles 23-24
Keep controls aligned with current FMC indicators and sector instruments.
- إجراء التنفيذ
- Map official high-risk criteria, typologies and reporting rules to scenarios and review them after legal, product or risk change.
- الأدلة الواجب الاحتفاظ بها
- Rule inventory, mapping and change log.
- المصدر الأساسي
- AML/CFT Law; current FMC/Central Bank guidance
03Natural-person identificationCDD applies before relationships and occasional transactions, subject to narrow exceptions.5 عناصر+
Identify and verify the customer before service.
- إجراء التنفيذ
- Obtain required identity information and verify it using reliable independent sources before establishing a relationship or occasional transaction, unless a documented statutory delayed-verification condition applies.
- الأدلة الواجب الاحتفاظ بها
- Identity record, verification result and provenance.
- المصدر الأساسي
- AML/CFT Law, Article 15
Establish purpose and intended nature and monitor the relationship.
- إجراء التنفيذ
- Record expected activity, source information where required and a risk classification; keep identity and profile information current.
- الأدلة الواجب الاحتفاظ بها
- Customer profile, risk decision and refresh history.
- المصدر الأساسي
- AML/CFT Law, Article 16
Identify the authorised person and validate authority.
- إجراء التنفيذ
- Verify identity and documentary or legal authority before accepting instructions on behalf of a customer.
- الأدلة الواجب الاحتفاظ بها
- Representative KYC, mandate and validation.
- المصدر الأساسي
- AML/CFT Law, Articles 3 and 16
Apply CDD regardless of amount when suspicion or doubt exists.
- إجراء التنفيذ
- Refresh or complete CDD where information is doubtful, circumstances change or ML/TF suspicion arises; follow reporting and tipping-off controls.
- الأدلة الواجب الاحتفاظ بها
- Trigger log, refreshed evidence and decision.
- المصدر الأساسي
- AML/CFT Law, Articles 7, 15-16
Stop or refuse where required CDD cannot be completed.
- إجراء التنفيذ
- Do not establish or continue the relationship or complete the transaction where the law prohibits service; assess whether an FMC report is required.
- الأدلة الواجب الاحتفاظ بها
- Failure record, decision and reporting assessment.
- المصدر الأساسي
- AML/CFT Law, Articles 16 and 27
04KYB and beneficial ownershipVerify existence, authority, ownership and actual control.4 عناصر+
Verify the legal person or legal arrangement.
- إجراء التنفيذ
- Obtain reliable registry and constitutional evidence, business purpose, management, representation and ownership/control structure.
- الأدلة الواجب الاحتفاظ بها
- Registry extract, governing documents and validation.
- المصدر الأساسي
- AML/CFT Law, Articles 15-16
Apply the statutory beneficial-owner cascade.
- إجراء التنفيذ
- Identify natural persons with direct or indirect 20% or more voting ownership or capital participation, persons with other actual control, and the management fallback where no such natural person exists under the current law.
- الأدلة الواجب الاحتفاظ بها
- Ownership chart, control analysis, identities and fallback rationale.
- المصدر الأساسي
- AML/CFT Law, Article 3(1), beneficial-owner definition
Identify parties to trusts and similar arrangements.
- إجراء التنفيذ
- Map settlor, trustee, protector where applicable, beneficiaries or class and every other ultimate controller under the current legal test.
- الأدلة الواجب الاحتفاظ بها
- Arrangement documents, role map and verification.
- المصدر الأساسي
- AML/CFT Law, Articles 3 and 16
Reconcile the beneficial-owner declaration with CDD.
- إجراء التنفيذ
- Compare the State Registry declaration, customer evidence and reliable independent sources; investigate discrepancies rather than relying solely on the declaration.
- الأدلة الواجب الاحتفاظ بها
- Declaration, registry result, discrepancy log and resolution.
- المصدر الأساسي
- AML/CFT Law, Article 9; State Registration Law
05PEPs, EDD, and remote onboardingHigher-risk relationships need enhanced controls.3 عناصر+
Identify PEPs, family members and close associates.
- إجراء التنفيذ
- Screen customers and beneficial owners; obtain senior-management approval, establish source of wealth/funds and apply enhanced monitoring where required.
- الأدلة الواجب الاحتفاظ بها
- Screening, classification, approval and corroboration.
- المصدر الأساسي
- AML/CFT Law, Article 16; applicable Central Bank regulation
Apply enhanced due diligence for higher risk.
- إجراء التنفيذ
- Obtain additional identity, ownership, purpose, source and transaction evidence and increase monitoring proportionately.
- الأدلة الواجب الاحتفاظ بها
- EDD checklist, evidence, approval and monitoring plan.
- المصدر الأساسي
- AML/CFT Law, Article 16
Control non-face-to-face onboarding.
- إجراء التنفيذ
- Apply current FMC/Central Bank safeguards, authentication and risk mitigation; preserve liveness, fraud, exception and test evidence.
- الأدلة الواجب الاحتفاظ بها
- Method assessment, session record and tests.
- المصدر الأساسي
- AML/CFT Law, Article 16; current minimum-requirements regulation
06Monitoring and suspicious reportingDetection and reporting must meet event-specific timing.4 عناصر+
Monitor relationships and document unusual activity analysis.
- إجراء التنفيذ
- Detect inconsistent, complex, unusual, attempted and high-risk activity and document facts, rationale, source information and outcome.
- الأدلة الواجب الاحتفاظ بها
- Scenarios, alerts, analysis, tuning and governance.
- المصدر الأساسي
- AML/CFT Law, Articles 7 and 16
Report suspicious transactions, attempts and relationships to FMC.
- إجراء التنفيذ
- Use the prescribed sector form and channel during the same business day or, where the applicable rule permits because same-day filing is impossible, by 12:00 of the next business day.
- الأدلة الواجب الاحتفاظ بها
- Suspicion timestamp, report, receipt and exception rationale.
- المصدر الأساسي
- AML/CFT Law, Articles 7-8; applicable sector reporting rule
Apply suspension or rejection controls where legally triggered.
- إجراء التنفيذ
- Classify the transaction, apply the financial institution's statutory suspension authority or FMC instruction and preserve the exact timing and release basis.
- الأدلة الواجب الاحتفاظ بها
- Hold timestamp, report, instruction and release record.
- المصدر الأساسي
- AML/CFT Law, Articles 26-27
Prevent tipping off and protect reports.
- إجراء التنفيذ
- Restrict access and communications concerning suspicious reports, analysis and FMC instructions except where law permits.
- الأدلة الواجب الاحتفاظ بها
- Access controls, communication review and training.
- المصدر الأساسي
- AML/CFT Law, Articles 5-6
07Mandatory reporting, wires, payments, and crypto-assetsThreshold reports and regulated products require separate controls.5 عناصر+
Configure the general mandatory-reporting threshold.
- إجراء التنفيذ
- Report transactions above AMD 20 million under the current rule, subject to the entity-specific scope and statutory or regulatory exceptions; do not treat this as a universal CDD threshold.
- الأدلة الواجب الاحتفاظ بها
- Threshold table, configurations, tests and reports.
- المصدر الأساسي
- AML/CFT Law, Article 5; FMC FAQ
Configure the real-estate reporting threshold separately.
- إجراء التنفيذ
- Report covered real-estate transactions above AMD 50 million and apply the separate restriction on cash payment for the portion exceeding that threshold where relevant.
- الأدلة الواجب الاحتفاظ بها
- Legal classification, report and payment evidence.
- المصدر الأساسي
- AML/CFT Law, Articles 5 and 15; FMC FAQ
Carry and screen required wire-transfer information.
- إجراء التنفيذ
- Apply current originator, beneficiary, intermediary, missing-data and screening controls for the institution's role.
- الأدلة الواجب الاحتفاظ بها
- Field matrix, samples, screening and repair queue.
- المصدر الأساسي
- AML/CFT Law, Article 20
Obtain payment-service authorization before launch.
- إجراء التنفيذ
- Map each service to the Payment Systems and Payment Organizations Law; obtain the relevant Central Bank licence and electronic-money permission.
- الأدلة الواجب الاحتفاظ بها
- Product memo, licence result and conditions.
- المصدر الأساسي
- Payment Systems and Payment Organizations Law; Regulations 17/01-17/03
Apply the crypto-asset licensing transition accurately.
- إجراء التنفيذ
- Classify the service under the Crypto-Assets Law; obtain Central Bank registration/licensing where currently required and document whether the statutory transition to 31 January 2027 applies.
- الأدلة الواجب الاحتفاظ بها
- Classification, licence/transition analysis and control tests.
- المصدر الأساسي
- Crypto-Assets Law; Central Bank crypto-asset provider guidance
08Targeted financial sanctionsUse live lists and freeze without prior notice.3 عناصر+
Screen current UN and Armenian designations.
- إجراء التنفيذ
- Screen customers, owners, representatives and transactions at onboarding, on list updates and throughout the relationship according to risk.
- الأدلة الواجب الاحتفاظ بها
- List version, logs and match decisions.
- المصدر الأساسي
- AML/CFT Law, Article 28
Freeze covered property immediately without prior notice.
- إجراء التنفيذ
- Freeze property owned or controlled by listed terrorism or proliferation-related persons and property of persons acting for them; submit required information to FMC.
- الأدلة الواجب الاحتفاظ بها
- Designation, freeze timestamp, asset inventory and report.
- المصدر الأساسي
- AML/CFT Law, Article 28
Control permitted access, unfreezing and false positives.
- إجراء التنفيذ
- Release or permit access only on documented legal authority and preserve every condition, decision and communication.
- الأدلة الواجب الاحتفاظ بها
- Authority decision, conditions and release record.
- المصدر الأساسي
- AML/CFT Law and implementing sanctions procedure
09Records and authority accessRecords must reconstruct decisions and transactions.3 عناصر+
Retain CDD, account, correspondence and transaction records for at least five years.
- إجراء التنفيذ
- Run the applicable period from relationship termination or transaction completion and preserve records in retrievable, evidentially usable form.
- الأدلة الواجب الاحتفاظ بها
- Retention schedule, archive and retrieval test.
- المصدر الأساسي
- AML/CFT Law, Article 22
Retain reports, analyses and non-reporting rationale.
- إجراء التنفيذ
- Preserve suspicious and mandatory reports, supporting material and documented analysis of activity not ultimately reported for the statutory period.
- الأدلة الواجب الاحتفاظ بها
- Case archive, rationale and integrity controls.
- المصدر الأساسي
- AML/CFT Law, Articles 7-8 and 22
Produce records to FMC and supervisors lawfully.
- إجراء التنفيذ
- Operate controlled retrieval, approval and production procedures that preserve confidentiality and evidence every authority request and response.
- الأدلة الواجب الاحتفاظ بها
- Request log, production, approval and receipt.
- المصدر الأساسي
- AML/CFT Law, Articles 10-11 and 22
10Privacy, biometrics, incidents, and transfersAML processing remains subject to privacy and security law.4 عناصر+
Document lawful and proportionate processing.
- إجراء التنفيذ
- Map purpose, legal basis, notice, minimization, accuracy, storage, rights and AML retention under the Personal Data Protection Law.
- الأدلة الواجب الاحتفاظ بها
- Data map, notices, legal-basis register and rights log.
- المصدر الأساسي
- Personal Data Protection Law
Protect biometric and special-category data.
- إجراء التنفيذ
- Use biometric data only under an applicable condition and apply technical, organisational, access, accuracy, vendor and deletion controls.
- الأدلة الواجب الاحتفاظ بها
- Assessment, architecture, tests and approvals.
- المصدر الأساسي
- Personal Data Protection Law, including Article 19
Manage security incidents under current duties.
- إجراء التنفيذ
- Maintain detection, containment, assessment, documentation and authority/data-subject communication workflows without inventing a universal deadline not supported by the applicable rule.
- الأدلة الواجب الاحتفاظ بها
- Incident chronology, assessment, notices and remediation.
- المصدر الأساسي
- Personal Data Protection Law
Control international transfers and processors.
- إجراء التنفيذ
- Confirm adequacy, authorization, consent or other applicable transfer condition and bind processors before access or transfer.
- الأدلة الواجب الاحتفاظ بها
- Transfer map, legal assessment, safeguards and contracts.
- المصدر الأساسي
- Personal Data Protection Law
11Practical evidence packsEvidence must reconstruct decisions end to end.3 عناصر+
Maintain an onboarding pack.
- إجراء التنفيذ
- Bundle identity, authority, KYB, beneficial ownership, PEP, sanctions, purpose, risk, privacy and approvals.
- الأدلة الواجب الاحتفاظ بها
- Complete sample and retrieval result.
- المصدر الأساسي
- Operational control supporting AML/CFT Law, Articles 15-16
Maintain reporting and sanctions case packs.
- إجراء التنفيذ
- Link trigger, classification, decision time, report, receipt, suspension or freeze, confidentiality and authority communications.
- الأدلة الواجب الاحتفاظ بها
- Case pack, timeline and access record.
- المصدر الأساسي
- AML/CFT Law, Articles 7-8 and 26-28
Maintain a launch and legal-change pack.
- إجراء التنفيذ
- Record perimeter, licences, thresholds, reporting, sanctions, privacy, vendors, source versions and control tests.
- الأدلة الواجب الاحتفاظ بها
- Signed pack, source register and approvals.
- المصدر الأساسي
- Official sources listed below
سجل المصادر الأساسية
15 مصدرًا مستخدمًا في هذه القائمة
استخدم هذه الروابط للتحقق من التشريعات وإرشادات الجهات الرقابية وإجراءات الإبلاغ والبيانات الدولية.
- AML/CFT Law - current English working translationCentral Bank of Armenia · Primary legislation - official non-binding translation
- AML/CFT Law - current official textARLIS · Primary legislation - official repository
- Financial Monitoring CenterCentral Bank of Armenia · Official FIU portal
- FMC reporting and beneficial-owner FAQCentral Bank of Armenia · Official implementation guidance
- Financial-institution AML/CFT instrumentsCentral Bank of Armenia · Official regulatory index
- State Registration LawARLIS · Primary legislation - official registry framework
- Beneficial ownership declaration serviceNational Services Gateway · Official registry service guidance
- Payment organizations licensing guideCentral Bank of Armenia · Official licensing guidance
- Crypto-asset service providersCentral Bank of Armenia · Official licensing and transition guidance
- Personal Data Protection LawARLIS · Primary legislation - official repository
- MONEYVAL Mutual Evaluation of Armenia 2026FATF / MONEYVAL · Authoritative mutual evaluation
- FATF increased-monitoring statement - October 2026FATF · Authoritative current public-list status
- FATF call-for-action statement - October 2026FATF · Authoritative current public-list status
- Law on the Flag of the Republic of ArmeniaARLIS · Primary legislation - official flag-use rules
- Law on AdvertisingARLIS · Primary legislation - respectful state-symbol use
إجابات مباشرة
أسئلة KYC وKYB وAML في أرمينيا
Who receives AML reports?+
The Financial Monitoring Center of the Central Bank of Armenia.
When must suspicion be reported?+
Under the applicable sector rule, during the same business day or, where same-day filing is impossible, by 12:00 of the next business day.
What is the general mandatory-reporting threshold?+
Transactions above AMD 20 million, subject to the reporting entity's scope and current statutory or regulatory exceptions.
What is the real-estate threshold?+
Covered real-estate transactions above AMD 50 million; the law also restricts cash payment for the portion exceeding that threshold.
How is a beneficial owner identified?+
Apply the 20% ownership/participation and other actual-control tests, then the current management fallback where no natural person meets those tests.
How long are AML records retained?+
At least five years under Article 22, subject to lawful longer holds or sector requirements.
Do payment and crypto-asset providers need authorization?+
Payment organizations require applicable Central Bank licensing. Crypto-asset services are regulated and licensed, with a statutory transition for qualifying pre-existing providers through 31 January 2027.
Is Armenia on a FATF public list?+
No at the October 2026 statements. The 2026 MONEYVAL mutual evaluation must still inform risk assessment; absence from a public list is not a low-risk determination.
منهجية البحث والمراجعة
تحدد VOVE ID Compliance Research النطاق التنظيمي، وتحول الالتزامات إلى ضوابط تشغيلية، وتربط الادعاءات الجوهرية بالمصادر، وتسجل تاريخ وإصدار كل مراجعة.
General information, not legal advice. Reviewed 9 November 2026. Confirm the controlling Armenian text, current FMC reporting forms and channels, sector rules, live sanctions lists, beneficial-owner filing practice, privacy requirements and licensing conditions with the competent authority and qualified Armenian counsel.