جيبوتي KYC, KYB & AML compliance checklist
قائمة عملية وموثقة بالمصادر لتنفيذ متطلبات KYC وKYB وAML في جيبوتي.
- تاريخ آخر مراجعة
- تاريخ آخر مراجعة:
- الإصدار
- الإصدار 1.0
إجابة مباشرة
ما الذي تغطيه قائمة الامتثال الخاصة بـ جيبوتي؟
تحوّل قائمة جيبوتي 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 de Renseignements Financiers (ANRF)
- Primary AML rule
- Law No. 106/AN/24, as amended by Law No. 178/AN/25
- Suspicion reporting
- Without delay to ANRF; later-arising suspicion is reported immediately
- Cash control
- Payments above DJF 1,000,000 are subject to control; confirm implementing reporting mechanics
- Core retention
- 5 years after relationship end or the last occasional transaction
- FATF status
- Not named on FATF public lists as at 19 June 2026
تفاصيل التنفيذ
متطلبات وإجراءات الامتثال في جيبوتي
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 reporting entity activity.
- إجراء التنفيذ
- Map every entity, product, channel and agent to the financial-institution, VASP or DNFBP categories in Article 2-1-1 and identify ANRF and the competent sector supervisor.
- الأدلة الواجب الاحتفاظ بها
- Applicability memo, product map and accountable-owner register.
- المصدر الأساسي
- Law No. 106/AN/24 as amended, Article 2-1-1
Treat ANRF as Djibouti's financial intelligence unit.
- إجراء التنفيذ
- Appoint required correspondents, obtain the current filing format and secure channel directly from ANRF, and test a controlled reporting path before operations begin.
- الأدلة الواجب الاحتفاظ بها
- Correspondent notice, channel test, procedure and access approvals.
- المصدر الأساسي
- Law No. 106/AN/24 as amended, Articles 3-2-1-1 to 3-3-4
Obtain authorisation before regulated financial activity.
- إجراء التنفيذ
- Classify banking, payment, money-transfer, exchange, electronic-money, insurance and virtual-asset activities and obtain every required approval before launch.
- الأدلة الواجب الاحتفاظ بها
- Perimeter analysis, authority correspondence and licence register.
- المصدر الأساسي
- Law No. 119/AN/11/6th L; Instruction No. 2017-01; applicable sector rules
02Governance and risk assessmentThe programme must be documented, risk-based and independently tested.3 عناصر+
Maintain a documented ML/TF risk assessment.
- إجراء التنفيذ
- Assess customers, countries, products, services, transactions and distribution channels; update the assessment when risks or operations materially change.
- الأدلة الواجب الاحتفاظ بها
- Approved methodology, risk assessment, controls and version history.
- المصدر الأساسي
- Law No. 106/AN/24 as amended, Article 2-2-3
Maintain written controls and an empowered compliance function.
- إجراء التنفيذ
- Assign senior accountability, confidential ANRF reporting authority, resources, staff screening, training and independent testing proportionate to risk.
- الأدلة الواجب الاحتفاظ بها
- Appointments, policies, training, testing and remediation log.
- المصدر الأساسي
- Law No. 106/AN/24 as amended, internal-control provisions
Assess new technology and virtual-asset exposure before use.
- إجراء التنفيذ
- Identify and mitigate ML/TF/PF risks before launching a new product, channel, delivery mechanism or technology and before supporting virtual-asset activity.
- الأدلة الواجب الاحتفاظ بها
- Pre-launch assessment, approval, tests and residual-risk acceptance.
- المصدر الأساسي
- Law No. 106/AN/24 as amended, Articles 1-2-2 and 3-1-2-1
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 using reliable independent documents, data or information; identify representatives and verify their authority.
- الأدلة الواجب الاحتفاظ بها
- Identity file, source provenance, mandate and verification result.
- المصدر الأساسي
- Law No. 106/AN/24 as amended, Articles 2-2-4 and 2-2-8
Understand purpose, nature and expected activity.
- إجراء التنفيذ
- Record the relationship purpose, business nature, expected activity, 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
- Law No. 106/AN/24 as amended, Articles 2-2-6 and 2-2-7
Do not proceed where mandatory CDD fails.
- إجراء التنفيذ
- Do not execute, establish or continue the relationship when required CDD cannot be completed; file an STR where suspicion exists, without alerting the customer.
- الأدلة الواجب الاحتفاظ بها
- Decline or exit decision, investigation and restricted STR record.
- المصدر الأساسي
- Law No. 106/AN/24 as amended, Article 2-2-18
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 ODPIC or free-zone registration, constitutional, address, director, signatory, tax and licence evidence and reconcile inconsistencies.
- الأدلة الواجب الاحتفاظ بها
- Registry extract, statutes, powers, tax record and licence file.
- المصدر الأساسي
- Law No. 106/AN/24 as amended, Articles 2-2-4, 2-2-6 and 3-5-1-1
Identify and verify natural-person beneficial owners.
- إجراء التنفيذ
- Trace ownership and control to the natural persons who ultimately own or control the customer; document the law's control and fallback analysis and verify each identified person.
- الأدلة الواجب الاحتفاظ بها
- Ownership chart, source records, control analysis and verified identities.
- المصدر الأساسي
- Law No. 106/AN/24 as amended, Article 2-2-4
Reconcile customer CDD with the national beneficial-owner register.
- إجراء التنفيذ
- Obtain current beneficial-owner information, compare it with ODPIC or free-zone filings, investigate differences and ensure changes are notified within one month by the legal person.
- الأدلة الواجب الاحتفاظ بها
- Register evidence, discrepancy review and update record.
- المصدر الأساسي
- Law No. 106/AN/24 as amended, Articles 3-5-1-2 to 3-5-1-5
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 risk-based systems to identify PEPs, direct family members and known close associates at onboarding and throughout the relationship.
- الأدلة الواجب الاحتفاظ بها
- Screening, relationship map, match decision and refresh log.
- المصدر الأساسي
- Law No. 106/AN/24 as amended, Article 2-2-20
Apply PEP approval, provenance and monitoring measures.
- إجراء التنفيذ
- Obtain senior-management approval, establish source of wealth and source of funds, and conduct enhanced ongoing monitoring.
- الأدلة الواجب الاحتفاظ بها
- Approval, provenance analysis and monitoring plan.
- المصدر الأساسي
- Law No. 106/AN/24 as amended, Article 2-2-20
Control non-face-to-face risk.
- إجراء التنفيذ
- Use reliable identity evidence and proportionate fraud, device, liveness and exception controls; document how remote verification meets AML and Digital Code requirements.
- الأدلة الواجب الاحتفاظ بها
- Remote-onboarding assessment, vendor review, tests and exceptions.
- المصدر الأساسي
- Law No. 106/AN/24 as amended, Article 2-2-4; 2025 Digital Code
06Monitoring and suspicious reportingANRF reporting is prompt, traceable and confidential.3 عناصر+
Monitor activity against the current customer profile.
- إجراء التنفيذ
- Examine complex, unusually large, linked or apparently purposeless activity and preserve the facts, analysis and reasoned conclusion.
- الأدلة الواجب الاحتفاظ بها
- Alerts, investigation, disposition and rule governance.
- المصدر الأساسي
- Law No. 106/AN/24 as amended, Articles 2-2-7 and 2-2-14
Report suspicious transactions and attempts without delay to ANRF.
- إجراء التنفيذ
- File when required suspicion grounds arise; if suspicion emerges after execution, report immediately, and submit supplemental information without delay.
- الأدلة الواجب الاحتفاظ بها
- Decision chronology, report, receipt and supplemental-information log.
- المصدر الأساسي
- Law No. 106/AN/24 as amended, Article 3-3-1
Prevent tipping off.
- إجراء التنفيذ
- Restrict access and do not disclose an STR, related transmission or ANRF analysis to the customer or unauthorised third parties.
- الأدلة الواجب الاحتفاظ بها
- Access logs, confidentiality procedure and training.
- المصدر الأساسي
- Law No. 106/AN/24 as amended, Article 3-4-2
07Payments, wires, thresholds, and agentsPayment controls preserve required data and distinguish controls from reporting duties.3 عناصر+
Control cash and bearer payments above DJF 1,000,000.
- إجراء التنفيذ
- Detect single or linked payments above the statutory control level and apply the current implementing control or reporting procedure confirmed with the competent authority; do not infer a universal automatic report from the threshold alone.
- الأدلة الواجب الاحتفاظ بها
- Detection logic, authority-confirmed procedure, review and filing where required.
- المصدر الأساسي
- Law No. 106/AN/24 as amended by Law No. 178/AN/25, Article 2-1-2
Route cross-border transfers above DJF 1,000,000 through an authorised institution.
- إجراء التنفيذ
- Block or redirect covered transfers unless executed by or through an authorised credit or financial institution; retain required originator and beneficiary data.
- الأدلة الواجب الاحتفاظ بها
- Routing rule, message sample, exception workflow and authorisation evidence.
- المصدر الأساسي
- Law No. 106/AN/24 as amended, Article 2-1-3 and wire-transfer provisions
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
- Instruction No. 2017-01 and applicable Banque Centrale de Djibouti rules
08Targeted financial sanctionsScreen, freeze and report under current national procedures.3 عناصر+
Screen applicable UN 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
- Law No. 104/AN/24; UN Security Council Consolidated List
Freeze covered funds and assets without prior notice.
- إجراء التنفيذ
- Prevent prohibited movement or availability immediately upon a confirmed designation match and escalate through the competent national process.
- الأدلة الواجب الاحتفاظ بها
- Freeze procedure, timestamps, legal basis and authority communication.
- المصدر الأساسي
- Law No. 104/AN/24, targeted-financial-sanctions provisions
Govern matches, false positives and release.
- إجراء التنفيذ
- Report confirmed matches through the current authority route, preserve confidentiality and release assets only on documented lawful authority.
- الأدلة الواجب الاحتفاظ بها
- Report, receipt, match rationale, authority instruction and reconciliation.
- المصدر الأساسي
- Law No. 104/AN/24; current implementing instructions
09Records and regulator accessRecords must reconstruct the customer, ownership, transaction and decision.3 عناصر+
Retain CDD and relationship records for at least five years.
- إجراء التنفيذ
- Retain identification, verification and relationship records for five years after relationship end or the last occasional transaction, subject to longer legal holds.
- الأدلة الواجب الاحتفاظ بها
- Schedule, configuration, archive sample and legal-hold log.
- المصدر الأساسي
- Law No. 106/AN/24 as amended, Article 2-2-19
Retain transaction and analysis records for at least five years.
- إجراء التنفيذ
- Preserve transaction documents and information, examinations and analyses for five years from relationship end or the last occasional transaction and maintain reconstructability.
- الأدلة الواجب الاحتفاظ بها
- Transaction reconstruction, storage control and retrieval test.
- المصدر الأساسي
- Law No. 106/AN/24 as amended, Article 2-2-19
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
- Law No. 106/AN/24 as amended, ANRF and supervisory powers
10Privacy, biometrics, and transfersThe 2025 Digital Code applies alongside AML secrecy and retention duties.3 عناصر+
Document lawful, fair and accountable identity-data processing.
- إجراء التنفيذ
- Map purposes, legal bases, notices, rights, recipients, security and retention; appoint a local representative where the extraterritorial rule requires one.
- الأدلة الواجب الاحتفاظ بها
- Data inventory, legal-basis assessment, notices and representative record.
- المصدر الأساسي
- 2025 Digital Code, Book I, Articles 2-6 and 54
Apply enhanced safeguards to biometric and sensitive data.
- إجراء التنفيذ
- Document necessity and the permitted condition, minimise collection, restrict access, perform the required impact assessment and test security before use.
- الأدلة الواجب الاحتفاظ بها
- Impact assessment, security tests, access controls and approval.
- المصدر الأساسي
- 2025 Digital Code, Book I, sensitive-data and impact-assessment provisions
Control international transfers and incidents.
- إجراء التنفيذ
- Document the lawful transfer mechanism and equivalent protection before export; implement current Commission notification and incident procedures without inventing a portal or deadline.
- الأدلة الواجب الاحتفاظ بها
- Transfer assessment, safeguards, incident plan and authority guidance.
- المصدر الأساسي
- 2025 Digital Code, Book I, international-transfer and security provisions
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, privacy, risk, approvals and exceptions under stable identifiers.
- الأدلة الواجب الاحتفاظ بها
- Complete sampled onboarding pack.
- المصدر الأساسي
- Operational control supporting Law No. 106/AN/24 as amended
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 Law No. 106/AN/24 as amended, Articles 3-3-1 and 3-4-2
سجل المصادر الأساسية
12 مصدرًا مستخدمًا في هذه القائمة
استخدم هذه الروابط للتحقق من التشريعات وإرشادات الجهات الرقابية وإجراءات الإبلاغ والبيانات الدولية.
- Law No. 178/AN/25 amending the AML/CFT/CPF frameworkOfficial Journal of Djibouti · Primary legislation
- Law No. 106/AN/24 - AML/CFT/CPFOfficial Journal of Djibouti · Primary legislation
- Law No. 104/AN/24 - terrorist financing and targeted sanctionsOfficial Journal of Djibouti · Primary legislation
- Decree No. 2024-314 implementing Law No. 106Official Journal of Djibouti · Primary decree
- Djibouti Digital CodeOfficial Journal of Djibouti · Primary legislation
- Djibouti mutual evaluationMENAFATF · Authoritative country assessment
- Djibouti country assessment pageFATF · Authoritative country status
- FATF black and grey listsFATF · Authoritative current status
- Banque Centrale de DjiboutiBanque Centrale de Djibouti · Official regulator guidance
- Instruction No. 2017-01 on electronic moneyBanque Centrale de Djibouti · Official regulatory instruction
- Law No. 119/AN/11 on credit institutions and financial auxiliariesBanque Centrale de Djibouti · Primary legislation
- United Nations Security Council consolidated sanctions listUnited Nations · Authoritative sanctions list
إجابات مباشرة
أسئلة KYC وKYB وAML في جيبوتي
Who receives suspicious transaction reports?+
Djibouti's Agence Nationale de Renseignements Financiers (ANRF).
When is an STR filed?+
Without delay when the statutory suspicion grounds arise. If suspicion appears after execution, report immediately; supplemental information is submitted without delay.
Is there a cash threshold?+
Payments in cash or bearer instruments above DJF 1,000,000 are subject to control. Confirm the current implementing control or reporting procedure; the threshold alone should not be presented as a universal automatic report.
How is beneficial ownership handled?+
Identify and verify the natural persons who ultimately own or control the customer, and reconcile CDD with the national register administered through ODPIC and the free-zone authority.
How long are AML records retained?+
At least five years after the relationship ends or the last occasional transaction under Article 2-2-19, subject to longer legal holds.
Is Djibouti on a FATF public list?+
It was not named on FATF's high-risk or increased-monitoring lists current at 19 June 2026. The January 2025 MENAFATF evaluation nevertheless documents material weaknesses.
Does personal-data law apply?+
Yes. The 2025 Digital Code governs personal data, including extraterritorial processing, sensitive data and transfers. Confirm current Commission procedures before production use.
Can a payment or electronic-money product launch without approval?+
No. Classify the product under current Banque Centrale de Djibouti legislation and instructions 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 22 August 2026. Confirm reporting-entity status, ANRF filing specifications, objective-reporting instruments, operational beneficial-owner register access, sanctions procedures, Digital Code implementation and product licensing with the competent authority and qualified Djiboutian counsel before launch.