غامبيا KYC, KYB & AML compliance checklist
قائمة عملية وموثقة بالمصادر لتنفيذ متطلبات KYC وKYB وAML في غامبيا.
- تاريخ آخر مراجعة
- تاريخ آخر مراجعة:
- الإصدار
- الإصدار 1.0
إجابة مباشرة
ما الذي تغطيه قائمة الامتثال الخاصة بـ غامبيا؟
تحوّل قائمة غامبيا قواعد KYC وKYB وAML الأساسية إلى 11 مجالات رقابية و33 فحوص تنفيذ، وتشمل الجهات المختصة وواجبات الإبلاغ والأدلة الواجب الاحتفاظ بها.
حقائق تنظيمية أساسية
- Primary AML/CFT law
- Anti-Money Laundering and Combating of Terrorist Financing Act 2012
- Financial intelligence unit
- Financial Intelligence Unit of The Gambia
- STR timing
- As soon as practicable and no later than three working days
- Casual-customer CDD
- More than GMD 200,000; suspicion and identity doubt apply regardless of amount
- Large-cash purpose inquiry
- More than USD 10,000 or Gambian-dalasi equivalent
- Core AML retention
- Minimum five years under record-class-specific clocks
- Beneficial ownership
- Natural person with ultimate ownership/control or ultimate effective control; no universal AML percentage
- Company registry
- Companies Department, Ministry of Justice
- Payments and fintech
- Obtain activity-specific CBG classification and authority before launch
- FATF public lists
- Not named in June 2026 statements; GIABA enhanced follow-up is separate
تفاصيل التنفيذ
متطلبات وإجراءات الامتثال في غامبيا
افتح كل مجال لمراجعة المتطلب وإجراء التنفيذ المقترح والأدلة الواجب الاحتفاظ بها والمصدر الأساسي.
01Scope, authorities and regulated activitiesResolve entity, activity and supervisor scope before launch.3 عناصر+
Financial institutions and listed DNFBPs are reporting entities under the 2012 Act.
- إجراء التنفيذ
- Map each entity, product, profession, branch, agent and outsourced service to the Act's schedules and competent supervisor.
- الأدلة الواجب الاحتفاظ بها
- Perimeter memorandum, entity-product map, licences and supervisor register.
- المصدر الأساسي
- 2012 Act, ss.2 and 59; First and Second Schedules
The FIU receives and analyses reports, issues instructions and supervises compliance within its mandate.
- إجراء التنفيذ
- Register compliance contacts and obtain the FIU's current reporting access, forms and instructions.
- الأدلة الواجب الاحتفاظ بها
- FIU correspondence, access records, contacts and regulatory calendar.
- المصدر الأساسي
- 2012 Act, ss.3-7, 18 and 33
Banking, money services, payments, fintech and virtual-asset activity require activity-specific authority.
- إجراء التنفيذ
- Obtain a written CBG or relevant-authority perimeter decision and every required licence before pilot or launch.
- الأدلة الواجب الاحتفاظ بها
- Classification, application, licence, conditions and approved product map.
- المصدر الأساسي
- CBG Banking Supervision and official licensing materials; controlled perimeter dependency
02Governance, risk assessment and control ownershipBuild documented, risk-based and accountable controls.2 عناصر+
Reporting entities maintain customer-identification, records, reporting, employee-screening and technology controls.
- إجراء التنفيذ
- Approve a risk-based AML/CFT programme covering every entity, product, channel and customer class.
- الأدلة الواجب الاحتفاظ بها
- Programme, risk assessments, procedures, approvals and issue log.
- المصدر الأساسي
- 2012 Act, s.39
A compliance officer, staff training and independent audit are required.
- إجراء التنفيذ
- Appoint an empowered officer, train relevant staff and independently test the control lifecycle.
- الأدلة الواجب الاحتفاظ بها
- Appointment, charter, training records, audit reports and remediation.
- المصدر الأساسي
- 2012 Act, s.39
03Natural-person identification and CDDApply statutory triggers without treating thresholds as safe harbours.4 عناصر+
CDD applies before or within a reasonable time of a relationship or transaction, to electronic transfers, suspicion and identity doubt.
- إجراء التنفيذ
- Configure relationship, transaction, transfer, suspicion and identity-quality triggers and record the applicable basis.
- الأدلة الواجب الاحتفاظ بها
- Trigger matrix, cases, verification timestamps and exceptions.
- المصدر الأساسي
- 2012 Act, s.25(1)
Natural persons are identified and verified using official documents and reliable independent sources.
- إجراء التنفيذ
- Capture name, address, occupation and valid photo identification and authenticate the evidence proportionately.
- الأدلة الواجب الاحتفاظ بها
- Identity file, authenticity result, address evidence and decision.
- المصدر الأساسي
- 2012 Act, s.25(1)-(2)(b)
Casual-customer identification applies above GMD 200,000, including connected transactions once the aggregate crosses the threshold.
- إجراء التنفيذ
- Aggregate apparently connected activity and apply CDD earlier where suspicion or doubt exists.
- الأدلة الواجب الاحتفاظ بها
- Aggregation logic, alerts, identity file and decision.
- المصدر الأساسي
- 2012 Act, s.25(2)(e)
For cash above USD 10,000 or its dalasi equivalent, purpose, origin and ultimate destination require reasonable measures.
- إجراء التنفيذ
- Obtain and corroborate source, purpose and destination evidence before release.
- الأدلة الواجب الاحتفاظ بها
- Customer explanation, source documents, destination evidence and approval.
- المصدر الأساسي
- 2012 Act, s.25(4)
04KYB, authority and beneficial ownershipVerify existence, authority and ultimate natural-person ownership or control.4 عناصر+
Legal-entity CDD verifies incorporation, address, directors, principal owners, beneficiaries, control structure and binding powers.
- إجراء التنفيذ
- Obtain current registry and constitutive evidence and reconcile directors, mandates, ownership and control.
- الأدلة الواجب الاحتفاظ بها
- Registry extract, certificate, constitution, annual return, directors and discrepancy log.
- المصدر الأساسي
- 2012 Act, s.25(2)(c); definition of identification record
Representatives and third-party principals require verified identity and authority.
- إجراء التنفيذ
- Verify each representative and the person for whose ultimate benefit the transaction is conducted.
- الأدلة الواجب الاحتفاظ بها
- Identity files, mandate, board authority and verification result.
- المصدر الأساسي
- 2012 Act, s.25(2)(c)(iv) and s.25(3)
A beneficial owner is the natural person who ultimately owns or controls, or exercises ultimate effective control.
- إجراء التنفيذ
- Trace every ownership layer and test non-ownership control without inventing a universal percentage.
- الأدلة الواجب الاحتفاظ بها
- Ownership chart, source records, control analysis and BO identity files.
- المصدر الأساسي
- 2012 Act, s.2 definition of beneficial owner
Company registration evidence must be obtained from the Companies Department and kept current.
- إجراء التنفيذ
- Confirm the live forms, annual-return position and any beneficial-ownership filing directly with the registry.
- الأدلة الواجب الاحتفاظ بها
- Registry receipt, certified records, annual return and registry correspondence.
- المصدر الأساسي
- Companies Act 2013; Ministry of Justice Companies Department guidance
05PEPs, enhanced due diligence and relianceApply stronger controls to higher-risk relationships.3 عناصر+
PEPs require identity verification, senior-management approval, reasonable source-of-wealth measures and enhanced monitoring.
- إجراء التنفيذ
- Screen customers and beneficial owners, corroborate source evidence and document approval before activation.
- الأدلة الواجب الاحتفاظ بها
- Screening, match decision, source file, approval and monitoring plan.
- المصدر الأساسي
- 2012 Act, s.25(2)(d)
Third-party reliance does not remove the reporting entity's duty to obtain information immediately and documents without delay.
- إجراء التنفيذ
- Assess the intermediary's regulation and controls, contract for access and test retrieval.
- الأدلة الواجب الاحتفاظ بها
- Due diligence, agreement, retrieval tests and monitoring.
- المصدر الأساسي
- 2012 Act, s.25(7)
Remote onboarding must achieve reliable independent verification and manage technology misuse risk.
- إجراء التنفيذ
- Use document-integrity, liveness or presence, device and fraud controls proportionate to risk.
- الأدلة الواجب الاحتفاظ بها
- Remote standard, test results, fraud logs and exceptions.
- المصدر الأساسي
- 2012 Act, ss.25(1) and 39(e); recommended implementation control
06Failed CDD, monitoring and suspicious reportingBlock unsafe activity and report suspicion promptly and confidentially.5 عناصر+
If satisfactory identity evidence cannot be obtained, the entity must not establish or maintain the relationship and may report the attempt.
- إجراء التنفيذ
- Block activation or terminate under controlled procedures and refer the case for confidential STR review.
- الأدلة الواجب الاحتفاظ بها
- Failure reason, block, closure, STR decision and receipt.
- المصدر الأساسي
- 2012 Act, s.26
Complex, unusual and large transactions, higher-risk jurisdictions and incomplete wire information receive special monitoring.
- إجراء التنفيذ
- Examine and record background and purpose and make findings available to FIU or competent authority.
- الأدلة الواجب الاحتفاظ بها
- Alerts, cases, written findings, escalation and refreshed CDD.
- المصدر الأساسي
- 2012 Act, s.30
Transactions, attempted transactions and relevant information linked to crime, ML or TF are reportable to the FIU.
- إجراء التنفيذ
- Escalate immediately, preserve the suspicion timestamp and submit the prescribed STR.
- الأدلة الواجب الاحتفاظ بها
- Internal report, analysis, STR, receipt and timeline.
- المصدر الأساسي
- 2012 Act, s.33(1)-(3)
An STR is due as soon as practicable and no later than three working days after suspicion or information.
- إجراء التنفيذ
- Use a shorter internal SLA measured from the recorded formation or receipt time.
- الأدلة الواجب الاحتفاظ بها
- Trigger timestamp, approval, submission time and SLA monitoring.
- المصدر الأساسي
- 2012 Act, s.33(1)
Tipping off is prohibited and good-faith reporting is protected.
- إجراء التنفيذ
- Restrict access and govern customer communications and lawful disclosures.
- الأدلة الواجب الاحتفاظ بها
- Access logs, communication plan, training and disclosure register.
- المصدر الأساسي
- 2012 Act, ss.34-37
07Wires, thresholds, payments and agentsKeep CDD, transaction records and reportable thresholds distinct.3 عناصر+
Wire transfers carry accurate originator information, subject to stated card and inter-institution exceptions.
- إجراء التنفيذ
- Validate required information through the payment chain and govern incomplete messages.
- الأدلة الواجب الاحتفاظ بها
- Field matrix, validation, repair or reject queue and samples.
- المصدر الأساسي
- 2012 Act, ss.29-30
Sector thresholds in the Act are not a universal transaction-reporting threshold.
- إجراء التنفيذ
- Map each threshold to its exact sector and control and confirm any current FIU threshold-report direction before implementation.
- الأدلة الواجب الاحتفاظ بها
- Threshold matrix, FIU direction, configuration and receipts.
- المصدر الأساسي
- 2012 Act, ss.40-43; controlled live-direction dependency
Payment, remittance, e-money, fintech, agent and virtual-asset models require current perimeter confirmation.
- إجراء التنفيذ
- Do not launch until CBG or the relevant authority confirms licensing, agent and AML/CFT conditions in writing.
- الأدلة الواجب الاحتفاظ بها
- Legal classification, application, authority, agent register and monitoring.
- المصدر الأساسي
- CBG official supervision and licensing materials; controlled uncertainty
08Targeted financial sanctions and CPFApply current lists and authority instructions without inventing procedures.2 عناصر+
Terrorist property and court-directed restraint provisions require controlled escalation and preservation.
- إجراء التنفيذ
- Screen customers, BOs, representatives and transactions against current UN and domestic designations and escalate potential matches immediately.
- الأدلة الواجب الاحتفاظ بها
- List provenance, screening logs, match decisions, holds and authority correspondence.
- المصدر الأساسي
- 2012 Act, Parts III, VII and VIII; current procedure must be confirmed
The live freezing, reporting, false-positive and CPF procedure must be confirmed with the competent authority.
- إجراء التنفيذ
- Maintain a 24/7 escalation route and obtain written instructions before releasing or dealing with potentially affected property.
- الأدلة الواجب الاحتفاظ بها
- Procedure, escalation log, instruction, decision and audit trail.
- المصدر الأساسي
- Controlled uncertainty; FIU and competent-authority confirmation required
09Records, access and assuranceRetain reconstructable evidence under the correct clock.3 عناصر+
Identity, transaction, correspondence, FIU report and enquiry records are kept for at least five years under record-class-specific clocks.
- إجراء التنفيذ
- Map each class to identity collection, transaction/correspondence, and later of closure or relationship cessation and apply legal holds.
- الأدلة الواجب الاحتفاظ بها
- Retention schedule, configuration, samples and deletion tests.
- المصدر الأساسي
- 2012 Act, s.27(1)-(2)
Records must reconstruct transactions and be immediately available to FIU or competent authorities.
- إجراء التنفيذ
- Index linked identity, transaction, investigation and reporting evidence and test retrieval.
- الأدلة الواجب الاحتفاظ بها
- Request register, retrieval tests, access controls and response package.
- المصدر الأساسي
- 2012 Act, s.27(3)-(5)
Electronic records require backup, recovery and authentication controls.
- إجراء التنفيذ
- Test integrity, backup, recovery and authorised access throughout retention.
- الأدلة الواجب الاحتفاظ بها
- Architecture, backup tests, audit logs and recovery evidence.
- المصدر الأساسي
- 2012 Act, s.27(4)
10Privacy, biometrics and transfersUse cautious data governance while the public legal framework is confirmed.2 عناصر+
Identity and transaction data must be protected while remaining available for lawful AML/CFT access.
- إجراء التنفيذ
- Document purpose and necessity, minimise collection, restrict access and preserve AML evidence.
- الأدلة الواجب الاحتفاظ بها
- Data inventory, access matrix, notices, logs and retention mapping.
- المصدر الأساسي
- 2012 Act, ss.27 and 35; recommended privacy control
Biometrics, breach notification, data-subject rights and international transfers require a verified current legal basis.
- إجراء التنفيذ
- Confirm applicable law and regulator expectations before processing; do not invent a deadline or transfer mechanism.
- الأدلة الواجب الاحتفاظ بها
- Legal memo, impact assessment, transfer map, incident playbook and contracts.
- المصدر الأساسي
- Controlled uncertainty; 2019 national policy is contextual, not enacted-law authority
11Practical evidence packs and change controlMake decisions reconstructable and keep time-sensitive rules current.2 عناصر+
A complete customer file links identity, KYB, ownership, screening, risk, approval, monitoring and reporting decisions.
- إجراء التنفيذ
- Block activation when mandatory evidence or approval is missing and preserve the release decision.
- الأدلة الواجب الاحتفاظ بها
- Control checklist, linked file, approvals and release log.
- المصدر الأساسي
- 2012 Act, Parts V-VII
FIU instructions, thresholds, sanctions lists, FATF status, registry and licensing requirements require ongoing monitoring.
- إجراء التنفيذ
- Assign owners and review FIU, CBG, Ministry of Justice, Gazette, FATF and GIABA sources on a governed schedule.
- الأدلة الواجب الاحتفاظ بها
- Legal inventory, source log, change assessments and implementation tickets.
- المصدر الأساسي
- Official sources listed below
سجل المصادر الأساسية
9 مصدرًا مستخدمًا في هذه القائمة
استخدم هذه الروابط للتحقق من التشريعات وإرشادات الجهات الرقابية وإجراءات الإبلاغ والبيانات الدولية.
- Anti-Money Laundering and Combating of Terrorist Financing Act 2012Financial Intelligence Unit of The Gambia · Primary legislation - official FIU copy
- AML/CFT Guidelines for Financial InstitutionsFIU and Central Bank of The Gambia · Official sector guidance
- AML/CFT Guidelines for DNFBPsFinancial Intelligence Unit of The Gambia · Official sector guidance
- FIU downloads and reporting resourcesFinancial Intelligence Unit of The Gambia · Official FIU guidance
- Banking supervision and licensing materialsCentral Bank of The Gambia · Official regulator
- Companies Department registration guidanceMinistry of Justice · Official company registry guidance
- The Gambia second enhanced follow-up report, 2024GIABA · Authoritative regional assessment
- Jurisdictions under Increased Monitoring - June 2026FATF · Authoritative public statement
- High-Risk Jurisdictions subject to a Call for Action - June 2026FATF · Authoritative public statement
إجابات مباشرة
أسئلة KYC وKYB وAML في غامبيا
Who receives suspicious transaction reports in The Gambia?+
The Financial Intelligence Unit of The Gambia, using its current prescribed form and channel.
When is an STR due?+
As soon as practicable and no later than three working days after forming suspicion or receiving the relevant information.
When does casual-customer identification apply?+
Above GMD 200,000, including connected transactions once the aggregate crosses that amount; suspicion and identity doubt apply regardless of amount.
Does The Gambia use one AML beneficial-ownership percentage?+
The 2012 Act's AML definition states ultimate natural-person ownership or control and ultimate effective control; it does not state one universal percentage.
How long are core AML records kept?+
At least five years, with the start event depending on the record class and the later of closure or relationship cessation where applicable.
Are payment, fintech or virtual-asset services permitted by company registration alone?+
No licence outcome should be inferred. Obtain activity-specific written classification and every required authority from CBG or the competent authority before operations.
What sanctions or CPF deadline applies?+
The reviewed public sources do not support one universal operational deadline. Confirm current lists, freezing and reporting procedures directly with FIU and the competent authority.
Is The Gambia on a FATF public list?+
The Gambia was not named in FATF's June 2026 public statements. GIABA enhanced follow-up is a separate peer-review process.
منهجية البحث والمراجعة
تحدد VOVE ID Compliance Research النطاق التنظيمي، وتحول الالتزامات إلى ضوابط تشغيلية، وتربط الادعاءات الجوهرية بالمصادر، وتسجل تاريخ وإصدار كل مراجعة.
This checklist is general regulatory information, not legal advice or a licence determination. It reflects sources reviewed on 21 July 2026. Confirm FIU registration, current reporting forms and channels, threshold-report treatment, sanctions and CPF procedures; CBG licensing for each payment, remittance, e-money, fintech or virtual-asset model; registry beneficial-ownership filings; and privacy, biometric, breach and transfer requirements with Gambian counsel and the competent authority before launch. VOVE ID supports evidence collection and audit trails; the reporting entity remains responsible for acceptance, reporting, restraint and compliance decisions.