تشاد KYC, KYB & AML compliance checklist
قائمة عملية وموثقة بالمصادر لتنفيذ متطلبات KYC وKYB وAML في تشاد.
- تاريخ آخر مراجعة
- تاريخ آخر مراجعة:
- الإصدار
- الإصدار 1.1
إجابة مباشرة
ما الذي تغطيه قائمة الامتثال الخاصة بـ تشاد؟
تحوّل قائمة تشاد قواعد KYC وKYB وAML الأساسية إلى 11 مجالات رقابية و32 فحوص تنفيذ، وتشمل الجهات المختصة وواجبات الإبلاغ والأدلة الواجب الاحتفاظ بها.
حقائق تنظيمية أساسية
- FIU
- Agence Nationale d'Investigation Financiere (ANIF)
- Primary AML rule
- CEMAC Regulation No. 02/24
- Suspicion reporting
- Forthwith to ANIF; oral or electronic reports require written confirmation within 48 hours
- Cash reporting
- CFA 5,000,000 or more, single or apparently linked, subject to stated exceptions
- Core retention
- 10 years for financial-institution CDD and transaction records
- FATF status
- Not named on FATF public lists as at 19 June 2026
تفاصيل التنفيذ
متطلبات وإجراءات الامتثال في تشاد
افتح كل مجال لمراجعة المتطلب وإجراء التنفيذ المقترح والأدلة الواجب الاحتفاظ بها والمصدر الأساسي.
01Scope, authorities, and licensingResolve the entity, activity and supervisor before launch.3 عناصر+
Determine whether each activity is a CEMAC reporting entity.
- إجراء التنفيذ
- Map every entity, product, channel and agent to the financial-institution or DNFBP categories and identify ANIF and the competent sector supervisor.
- الأدلة الواجب الاحتفاظ بها
- Applicability memo, product map and accountable-owner register.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, Articles 6-7
Treat ANIF as Chad's financial intelligence unit.
- إجراء التنفيذ
- Register required correspondents, obtain the current reporting format directly from ANIF and test a controlled filing path before operations begin.
- الأدلة الواجب الاحتفاظ بها
- Correspondent notice, channel test, procedure and access approvals.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, Articles 86-97 and 107-109; Law No. 29/PR/2018
Obtain authorisation before regulated financial activity.
- إجراء التنفيذ
- Classify banking, microfinance, insurance, payment, exchange and other financial services with the competent national authority, COBAC, BEAC or other supervisor and obtain every approval before launch.
- الأدلة الواجب الاحتفاظ بها
- Perimeter analysis, authority correspondence and licence register.
- المصدر الأساسي
- Applicable CEMAC, COBAC, BEAC, CIMA and national sector rules
02Governance and risk assessmentThe programme must be documented, risk-based and independently tested.3 عناصر+
Maintain an enterprise-wide ML/TF/PF risk assessment.
- إجراء التنفيذ
- Assess customers, products, channels, geography, cash, agents, technology and proliferation risk before launch and on material change.
- الأدلة الواجب الاحتفاظ بها
- Approved methodology, risk assessment, controls and version history.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, risk-based obligations
Maintain written controls and an empowered compliance function.
- إجراء التنفيذ
- Assign senior accountability, confidential ANIF reporting authority, resources, training and independent testing.
- الأدلة الواجب الاحتفاظ بها
- Appointments, policies, training, testing and remediation log.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, internal-control and correspondent provisions
Assess new technology before use.
- إجراء التنفيذ
- Identify and mitigate ML/TF/PF risks before launching a new product, distribution mechanism or technology.
- الأدلة الواجب الاحتفاظ بها
- Pre-launch assessment, approval, tests and residual-risk acceptance.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, Article 25
03Natural-person identificationCDD uses reliable, independent evidence and continues through the relationship.3 عناصر+
Identify and verify customers and representatives.
- إجراء التنفيذ
- Verify the customer with reliable independent evidence; identify anyone acting for the customer and verify their authority.
- الأدلة الواجب الاحتفاظ بها
- Identity file, source provenance, mandate and verification result.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, Articles 20 and 29-30
Understand purpose and expected activity.
- إجراء التنفيذ
- Record the relationship purpose, products, expected volumes, counterparties, geography and source of funds sufficient for risk rating and monitoring.
- الأدلة الواجب الاحتفاظ بها
- Customer profile, expected-activity baseline and approval.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, Article 21
Do not proceed where mandatory CDD fails.
- إجراء التنفيذ
- Do not open or execute, or terminate as applicable, when required identification cannot be completed; consider and confidentially file an STR.
- الأدلة الواجب الاحتفاظ بها
- Decline or exit decision, investigation and restricted STR record.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, Article 41
04KYB, registries, and beneficial ownershipRegistry evidence does not replace natural-person ownership and control analysis.3 عناصر+
Verify legal existence, governance and authority.
- إجراء التنفيذ
- Obtain current RCCM, constitutional, address, director, signatory, tax and licence evidence and reconcile inconsistencies.
- الأدلة الواجب الاحتفاظ بها
- RCCM extract, statutes, powers, tax record and licence file.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, Article 31; OHADA Uniform Acts
Identify natural-person beneficial owners through ownership, control and fallback tests.
- إجراء التنفيذ
- Identify the natural persons with ultimate controlling interests, then control by other means, and use the principal-manager fallback only where no person is identified under the first two tests.
- الأدلة الواجب الاحتفاظ بها
- Ownership chart, source records, control analysis and verified identities.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, Article 33
Apply the register disclosure test separately from AML CDD.
- إجراء التنفيذ
- For the CEMAC register, capture declared beneficial owners; if none is declared, apply the Regulation's more-than-25% and specified control or officeholder rules. Do not substitute this fallback for Article 33 CDD.
- الأدلة الواجب الاحتفاظ بها
- Register filing, calculation, officeholder record and reconciliation.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, Articles 76-82
05PEPs, EDD, and remote onboardingHigher-risk and remote relationships require enhanced controls.3 عناصر+
Detect PEP exposure in customers and beneficial owners.
- إجراء التنفيذ
- Use appropriate systems to identify domestic, foreign and international-organisation PEP exposure and connected-person risk.
- الأدلة الواجب الاحتفاظ بها
- Screening, relationship map, match decision and refresh log.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, Articles 23 and 67
Apply PEP approval, provenance and monitoring measures.
- إجراء التنفيذ
- Obtain senior-management approval, take reasonable measures to establish source of funds or assets, and conduct enhanced ongoing monitoring.
- الأدلة الواجب الاحتفاظ بها
- Approval, provenance analysis and monitoring plan.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, Article 23
Control non-face-to-face risk.
- إجراء التنفيذ
- Apply enhanced identity, fraud, device, liveness and exception controls proportionate to the remote channel and data used.
- الأدلة الواجب الاحتفاظ بها
- Remote-onboarding assessment, vendor review, tests and exceptions.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, Article 22; Law No. 007/PR/2015
06Monitoring and suspicious reportingANIF reporting is prompt, traceable and confidential.3 عناصر+
Monitor activity against the current customer profile.
- إجراء التنفيذ
- Examine unusual, complex, linked or apparently purposeless activity and preserve a reasoned conclusion.
- الأدلة الواجب الاحتفاظ بها
- Alerts, investigation, disposition and rule governance.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, Articles 21 and 63-64
Report suspicious and attempted transactions forthwith to ANIF.
- إجراء التنفيذ
- File when the entity knows, suspects or has good reason to suspect criminal proceeds or ML/TF/PF; confirm a telephone or electronic report in writing within 48 hours.
- الأدلة الواجب الاحتفاظ بها
- Decision chronology, report, receipt and supplemental-information log.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, Articles 105 and 109
Prevent tipping off.
- إجراء التنفيذ
- Restrict access and do not disclose an STR, its content or ANIF action to the customer or unauthorised third parties.
- الأدلة الواجب الاحتفاظ بها
- Access logs, confidentiality procedure and training.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, Article 110
07Payments, wires, thresholds, and agentsPayment controls preserve required data and apply scoped objective reporting.3 عناصر+
Report covered cash transactions of CFA 5,000,000 or more.
- إجراء التنفيذ
- Aggregate single and apparently linked cash transactions and report to ANIF, applying only the express business-use and BEAC-counter exceptions while retaining enhanced scrutiny.
- الأدلة الواجب الاحتفاظ بها
- Aggregation tests, exception basis, filing and receipt.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, Article 18
Preserve required wire-transfer information.
- إجراء التنفيذ
- Carry required originator and beneficiary data through the payment chain; seek missing data and, if not obtained within three days, refrain from execution and inform ANIF.
- الأدلة الواجب الاحتفاظ بها
- Message sample, exception workflow, request and ANIF notice.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, Articles 36-38
Retain accountability for agents and outsourcing.
- إجراء التنفيذ
- Verify permissions, diligence providers, contract for security and record access, train agents, monitor performance and test retrieval.
- الأدلة الواجب الاحتفاظ بها
- Due diligence, contract, training, monitoring and retrieval test.
- المصدر الأساسي
- CEMAC Regulation No. 04/18 and applicable COBAC rules
08Targeted financial sanctionsUse the current CEMAC sanctions framework and controlled national procedures.3 عناصر+
Screen applicable UN, regional and national designations.
- إجراء التنفيذ
- Screen customers, beneficial owners, controllers, representatives and transactions at onboarding, list updates and before relevant execution.
- الأدلة الواجب الاحتفاظ بها
- List inventory, update logs, screening configuration and dispositions.
- المصدر الأساسي
- CEMAC Regulation No. 04/24; UN Security Council Consolidated List
Freeze covered property without delay or prior notice.
- إجراء التنفيذ
- Prevent prohibited movement or availability of covered funds and economic resources and escalate immediately under the competent national process.
- الأدلة الواجب الاحتفاظ بها
- Freeze procedure, timestamps, legal basis and authority communication.
- المصدر الأساسي
- CEMAC Regulation No. 04/24
Report and govern matches, false positives and release.
- إجراء التنفيذ
- Make required reports within the applicable 24-hour and quarterly periods, file an STR where required, and release only on documented lawful authority.
- الأدلة الواجب الاحتفاظ بها
- Reports, ANIF receipt, match rationale, authority instruction and reconciliation.
- المصدر الأساسي
- CEMAC Regulation No. 04/24
09Records and regulator accessRecords must reconstruct the customer, ownership, transaction and decision.3 عناصر+
Retain financial-institution CDD records for at least 10 years.
- إجراء التنفيذ
- Retain identification and relationship records for at least 10 years after account closure or relationship end, subject to longer legal holds.
- الأدلة الواجب الاحتفاظ بها
- Schedule, configuration, archive sample and legal-hold log.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, Article 39
Retain transaction records for at least 10 years.
- إجراء التنفيذ
- Preserve transaction, accounting, correspondence and special-examination records for at least 10 years after the transaction.
- الأدلة الواجب الاحتفاظ بها
- Transaction reconstruction, storage control and retrieval test.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, Articles 39-40 and 64
Respond securely to competent-authority requests.
- إجراء التنفيذ
- Authenticate requests, protect STR confidentiality, produce reproducibly and log scope, timing and receipt.
- الأدلة الواجب الاحتفاظ بها
- Request, approval, production index and acknowledgement.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, Articles 40 and 97
10Privacy, biometrics, and transfersChad's personal-data law applies alongside AML secrecy and retention duties.3 عناصر+
Document a lawful, necessary and transparent basis for identity processing.
- إجراء التنفيذ
- Map purposes, data, notices, rights, recipients, security and retention under Law No. 007/PR/2015 and applicable AML secrecy rules.
- الأدلة الواجب الاحتفاظ بها
- Data inventory, legal-basis assessment, notices and rights procedure.
- المصدر الأساسي
- Law No. 007/PR/2015 on personal-data protection
Apply enhanced safeguards to biometric and sensitive data.
- إجراء التنفيذ
- Minimise collection, restrict access, test security and document necessity and proportionality before biometric or sensitive-data use.
- الأدلة الواجب الاحتفاظ بها
- Impact assessment, security tests, access controls and approval.
- المصدر الأساسي
- Law No. 007/PR/2015
Confirm ANSICE formalities, transfers and incident procedures before production use.
- إجراء التنفيذ
- Obtain current ANSICE instruments and instructions before configuring declarations, authorisations, international transfers or incident notices; do not invent a portal or deadline.
- الأدلة الواجب الاحتفاظ بها
- Dated legal update, authority guidance and implemented procedure.
- المصدر الأساسي
- Laws No. 006/PR/2015, 007/PR/2015 and 009/PR/2015
11Practical evidence packsMaintain concise packs that reproduce decisions and support supervisory access.2 عناصر+
Maintain a reconstructable onboarding pack.
- إجراء التنفيذ
- Bundle identity, KYB, beneficial ownership, screening, risk, approvals and exceptions under stable identifiers.
- الأدلة الواجب الاحتفاظ بها
- Complete sampled onboarding pack.
- المصدر الأساسي
- Operational control supporting CEMAC Regulation No. 02/24
Maintain a reconstructable monitoring and reporting pack.
- إجراء التنفيذ
- Link transactions, alerts, analysis, approvals, reports and post-filing controls while protecting confidentiality.
- الأدلة الواجب الاحتفاظ بها
- Complete sampled case pack and access log.
- المصدر الأساسي
- Operational control supporting CEMAC Regulation No. 02/24, Articles 105-110
سجل المصادر الأساسية
12 مصدرًا مستخدمًا في هذه القائمة
استخدم هذه الروابط للتحقق من التشريعات وإرشادات الجهات الرقابية وإجراءات الإبلاغ والبيانات الدولية.
- CEMAC Regulation No. 02/24 - AML/CFT/CPF (English)GABAC · Primary regional regulation
- CEMAC Regulation No. 04/24 - targeted financial sanctionsGABAC · Primary regional regulation
- Chad enhanced follow-up report, March 2026GABAC · Authoritative country assessment
- Chad mutual evaluationGABAC · Authoritative country assessment
- Chad country assessment pageFATF · Authoritative country status
- FATF black and grey listsFATF · Authoritative current status
- ANIF Chad official siteANIF Chad · Official FIU guidance
- COBAC regulationsBEAC · Official banking supervisor materials
- CEMAC payment-system regulationsBEAC · Official central-bank materials
- Law No. 007/PR/2015 on personal-data protectionARCEP Chad · Primary national legislation portal
- Chad RCCM informationOHADA · Official company-registry materials
- United Nations Security Council consolidated sanctions listUnited Nations · Authoritative sanctions list
إجابات مباشرة
أسئلة KYC وKYB وAML في تشاد
Who receives suspicious transaction reports?+
The Agence Nationale d'Investigation Financiere (ANIF) of Chad.
When is an STR filed?+
Forthwith when the reporting entity knows, suspects or has good reason to suspect covered criminal proceeds or ML/TF/PF, including attempts. Telephone or electronic reports require written confirmation within 48 hours.
Is there an objective cash report?+
Yes. Article 18 covers cash transactions of CFA 5,000,000 or more, single or apparently linked, subject to its stated exceptions and continued enhanced scrutiny.
How is beneficial ownership determined?+
CDD follows ultimate controlling interest, control by other means and principal-manager fallback under Article 33. Register disclosure has a separate more-than-25% fallback under Article 77.
How long are financial-institution AML records retained?+
At least 10 years for customer records after closure or relationship end and for transaction records after the transaction under Article 39.
Is Chad on a FATF public list?+
It was not named on the FATF high-risk or increased-monitoring lists current at 19 June 2026. The 2023 GABAC evaluation and March 2026 follow-up nevertheless document material weaknesses requiring risk-sensitive controls.
Does personal-data law apply?+
Yes. Law No. 007/PR/2015 establishes Chad's personal-data framework, administered within ANSICE's statutory remit. Confirm current formalities, transfer and incident procedures before configuring production workflows.
Can a payment product launch without approval?+
No. Classify the product under current CEMAC, COBAC, BEAC and national rules and obtain every required approval before launch.
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 regulatory information, not legal advice or a licence determination. Reviewed as applicable on 19 August 2026. Confirm reporting-entity status, sector rules, current ANIF filing specifications, the operational beneficial-owner register, national sanctions machinery, ANSICE procedures and product licensing with the competent authority and qualified Chadian counsel before launch.