جورجيا KYC, KYB & AML compliance checklist
قائمة عملية وموثقة بالمصادر لتنفيذ متطلبات KYC وKYB وAML في جورجيا.
- تاريخ آخر مراجعة
- تاريخ آخر مراجعة:
- الإصدار
- الإصدار 1.1
دليل تنفيذ قابل للتنزيل
الحصول على ملف PDF
11 مجالات رقابية · 39 فحوص تنفيذ
تاريخ آخر مراجعة: 9 November 2026 · الإصدار 1.1
تنزيل قائمة التحققإجابة مباشرة
ما الذي تغطيه قائمة الامتثال الخاصة بـ جورجيا؟
تحوّل قائمة جورجيا قواعد KYC وKYB وAML الأساسية إلى 11 مجالات رقابية و39 فحوص تنفيذ، وتشمل الجهات المختصة وواجبات الإبلاغ والأدلة الواجب الاحتفاظ بها.
حقائق تنظيمية أساسية
- Primary AML law
- Law on Facilitating the Prevention of Money Laundering and Financing of Terrorism
- FIU
- Financial Monitoring Service of Georgia
- General occasional-transaction CDD
- Above GEL 15,000, including linked transactions
- Occasional funds-transfer CDD
- Above GEL 3,000, including linked transfers
- Suspicious reporting
- On the day reasonable suspicion arises
- Beneficial owner
- 25% or more, more than 25%, other control, then manager
- Records
- 5 years; extension up to 5 more years may be requested
- FATF public lists
- Not listed at October 2026
تفاصيل التنفيذ
متطلبات وإجراءات الامتثال في جورجيا
افتح كل مجال لمراجعة المتطلب وإجراء التنفيذ المقترح والأدلة الواجب الاحتفاظ بها والمصدر الأساسي.
01Scope, authorities, and licensingClassify the activity and supervisor before launch.3 عناصر+
Determine whether each activity is an accountable-person activity.
- إجراء التنفيذ
- Map banking, payment, lending, securities, insurance, gambling, legal, accounting, real-estate, precious-metals, virtual-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 National Bank or other competent-authority requirements before banking, payment, electronic-money, securities, insurance, lending, exchange or virtual-asset activity.
- الأدلة الواجب الاحتفاظ بها
- Licence matrix, approvals, registrations and conditions.
- المصدر الأساسي
- Applicable sector law and supervisory rules
Use FMS and the correct sector supervisor.
- إجراء التنفيذ
- Maintain a dated authority map and the prescribed electronic or written reporting procedure for the entity type.
- الأدلة الواجب الاحتفاظ بها
- Authority map, portal access and acknowledgements.
- المصدر الأساسي
- AML/CFT Law, Articles 4, 25-26 and 38
02Governance and risk assessmentControls must be risk-based, approved and tested.3 عناصر+
Document institutional and customer ML/TF risk assessments.
- إجراء التنفيذ
- Assess customer, beneficial owner, geography, product, service, transaction, delivery-channel and group risks with appropriate periodicity and on material change.
- الأدلة الواجب الاحتفاظ بها
- Methodology, assessments, approvals and remediation.
- المصدر الأساسي
- AML/CFT Law, Articles 7-8
Maintain a compliant internal-control system.
- إجراء التنفيذ
- Document governance, responsible staff, CDD, screening, monitoring, reporting, training and independent audit proportionate to nature, volume and risk.
- الأدلة الواجب الاحتفاظ بها
- Instructions, appointments, training and audit reports.
- المصدر الأساسي
- AML/CFT Law, Article 29
Keep controls aligned with current FMS and supervisory instruments.
- إجراء التنفيذ
- Map official typologies, indicators and subordinate acts 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 FMS and supervisory acts
03Natural-person identificationCDD applies before relationships and at statutory triggers.5 عناصر+
Identify and verify the customer and intended relationship.
- إجراء التنفيذ
- Use reliable independent sources; establish purpose, intended nature and expected transaction profile before service, subject only to a documented statutory exception.
- الأدلة الواجب الاحتفاظ بها
- Identity record, verification result, purpose and provenance.
- المصدر الأساسي
- AML/CFT Law, Articles 10 and 12
Apply general occasional-transaction CDD above GEL 15,000.
- إجراء التنفيذ
- Aggregate linked transactions and complete CDD when the total exceeds GEL 15,000 or foreign-currency equivalent.
- الأدلة الواجب الاحتفاظ بها
- Aggregation logic, alert and completed CDD.
- المصدر الأساسي
- AML/CFT Law, Article 11(1)(b)
Apply occasional funds-transfer CDD above GEL 3,000.
- إجراء التنفيذ
- Aggregate linked one-time transfers and complete CDD when the total exceeds GEL 3,000 or foreign-currency equivalent.
- الأدلة الواجب الاحتفاظ بها
- Transfer aggregation, alert and CDD record.
- المصدر الأساسي
- AML/CFT Law, Article 11(1)(c)
Identify representatives and verify authority.
- إجراء التنفيذ
- Verify the person acting for the customer and obtain a duly certified document establishing representation authority.
- الأدلة الواجب الاحتفاظ بها
- Representative KYC, mandate and validation.
- المصدر الأساسي
- AML/CFT Law, Article 10(2)
Stop or refuse when required CDD cannot be completed.
- إجراء التنفيذ
- Do not establish or continue the relationship or complete the occasional transaction; consider whether an FMS report is required.
- الأدلة الواجب الاحتفاظ بها
- Failure record, decision, escalation and reporting assessment.
- المصدر الأساسي
- AML/CFT Law, Article 10(6)
04KYB and beneficial ownershipVerify existence, authority, ownership and ultimate 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 10, 12 and 13
Apply the statutory beneficial-owner cascade.
- إجراء التنفيذ
- Identify natural persons owning directly or indirectly 25% or more, or more than 25% of voting shares as expressed in Article 13, and persons exercising ultimate control; if none exists after all possible measures, identify persons with managerial authority.
- الأدلة الواجب الاحتفاظ بها
- Ownership chart, control analysis, identities and fallback rationale.
- المصدر الأساسي
- AML/CFT Law, Article 13(1)-(4)
Identify trust and similar-arrangement parties.
- إجراء التنفيذ
- Identify settlor, trustee, protector if any, beneficiaries or beneficiary class and every other ultimate controller, using the current Georgian legal terminology.
- الأدلة الواجب الاحتفاظ بها
- Arrangement documents, role map and verification.
- المصدر الأساسي
- AML/CFT Law, Article 13(5)-(6)
Resolve registry and customer-data discrepancies.
- إجراء التنفيذ
- Compare official registry, constitutional, customer and reliable-source data and escalate inconsistent ownership, management, authority or status.
- الأدلة الواجب الاحتفاظ بها
- Search results, discrepancy log and resolution.
- المصدر الأساسي
- AML/CFT Law, Articles 10 and 13
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 ongoing monitoring where required.
- الأدلة الواجب الاحتفاظ بها
- Screening, classification, approval and corroboration.
- المصدر الأساسي
- AML/CFT Law, Article 21
Apply enhanced measures 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, Articles 18-19
Control non-face-to-face onboarding.
- إجراء التنفيذ
- Use methods permitted by the applicable supervisor and preserve authentication, liveness, fraud, exception and test evidence.
- الأدلة الواجب الاحتفاظ بها
- Method assessment, session record and tests.
- المصدر الأساسي
- AML/CFT Law, Articles 10-12; applicable supervisory rules
06Monitoring and suspicious reportingDetection and reporting must meet event-specific timing.4 عناصر+
Monitor relationships and examine unusual activity.
- إجراء التنفيذ
- Detect related, complex, unusually large or unusual-pattern transactions without apparent economic or lawful purpose; document purpose, grounds and enhanced monitoring.
- الأدلة الواجب الاحتفاظ بها
- Scenarios, alerts, analysis, tuning and governance.
- المصدر الأساسي
- AML/CFT Law, Articles 10(5) and 20
Report suspicious transactions and attempts to FMS.
- إجراء التنفيذ
- Submit the prescribed report on the same day that reasonable suspicion arises, through the current electronic or written route.
- الأدلة الواجب الاحتفاظ بها
- Suspicion timestamp, report, receipt and rationale.
- المصدر الأساسي
- AML/CFT Law, Articles 25(1) and 26(1)-(2)
Distinguish other prescribed reports from suspicion reports.
- إجراء التنفيذ
- Maintain a current table of FMS-designated transaction types, circumstances and filing deadlines; do not treat CDD thresholds as universal reporting thresholds.
- الأدلة الواجب الاحتفاظ بها
- Legal table, configurations, tests and reports.
- المصدر الأساسي
- AML/CFT Law, Articles 25(2)-(5) and 26(3)-(5)
Prevent tipping off and protect reporters.
- إجراء التنفيذ
- Restrict access and communications concerning examination, reports and FMS measures except where the law permits.
- الأدلة الواجب الاحتفاظ بها
- Access controls, communication review and training.
- المصدر الأساسي
- AML/CFT Law, Article 28
07Wires, payments, thresholds, and virtual assetsTreat transaction categories and regulated products separately.4 عناصر+
Carry and screen required 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; applicable National Bank transfer rules
Classify payment and electronic-money services before launch.
- إجراء التنفيذ
- Map each service to the Payment System and Payment Services Law and obtain National Bank registration or other authorization required for the role.
- الأدلة الواجب الاحتفاظ بها
- Product memo, registration result and tests.
- المصدر الأساسي
- Law on Payment System and Payment Services; NBG Decree No. 77/04
Register and control virtual-asset services.
- إجراء التنفيذ
- Confirm the activity perimeter and National Bank VASP registration before launch; apply AML/CFT, governance and transfer-information rules for the service.
- الأدلة الواجب الاحتفاظ بها
- Classification, registration, conditions and control tests.
- المصدر الأساسي
- Organic Law on NBG; VASP registration rule; AML/CFT Law
Apply sector-specific thresholds separately.
- إجراء التنفيذ
- Configure the current thresholds for VASP, precious-metals, gambling, border-cash and other relevant categories rather than applying the general GEL 15,000 trigger universally.
- الأدلة الواجب الاحتفاظ بها
- Sector table, configuration and test results.
- المصدر الأساسي
- AML/CFT Law, Article 11
08Targeted financial sanctionsUse live official designations and act under the statutory procedure.3 عناصر+
Screen current UN and applicable domestic measures.
- 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, Chapter X
Block prohibited dealings and report relevant matches.
- إجراء التنفيذ
- Do not establish or continue relationships or complete transactions where Article 10(7) applies; submit the required FMS report and apply the competent authority's seizure or restriction procedure.
- الأدلة الواجب الاحتفاظ بها
- Designation, decision timestamp, asset inventory and report.
- المصدر الأساسي
- AML/CFT Law, Articles 10(7)-(8), 25 and 40-44
Control permitted credits, access and release.
- إجراء التنفيذ
- Credit, release or permit access only where the law and documented competent-authority instruction allow it; preserve every condition and decision.
- الأدلة الواجب الاحتفاظ بها
- Authority instruction, conditions and release record.
- المصدر الأساسي
- AML/CFT Law, Chapter X
09Records and authority accessRecords must reconstruct decisions and transactions.3 عناصر+
Retain CDD, analysis, account and correspondence records for five years.
- إجراء التنفيذ
- Run the period from relationship termination or occasional transaction and preserve records in evidentially usable form.
- الأدلة الواجب الاحتفاظ بها
- Retention schedule, archive and retrieval test.
- المصدر الأساسي
- AML/CFT Law, Article 27(1) and (5)
Retain transaction and reporting records for five years.
- إجراء التنفيذ
- Retain comprehensive transaction data and FMS reports, instructions and protocols; support a lawful extension requested by FMS or a supervisor for up to five additional years.
- الأدلة الواجب الاحتفاظ بها
- Transaction archive, reports, extension holds and tests.
- المصدر الأساسي
- AML/CFT Law, Article 27(2)-(4)
Produce requested information within the applicable deadline.
- إجراء التنفيذ
- Operate controlled retrieval, approval and production procedures; FMS requests under Article 25(6) are due within two working days.
- الأدلة الواجب الاحتفاظ بها
- Request log, production, approval and receipt.
- المصدر الأساسي
- AML/CFT Law, Articles 25(6), 26(5) and 27(5)
10Privacy, biometrics, incidents, and transfersAML processing remains subject to current privacy and security law.4 عناصر+
Document lawful, fair and proportionate processing.
- إجراء التنفيذ
- Map purpose, legal basis, transparency, minimization, accuracy, storage, rights and AML retention under the current 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 other special-category data.
- إجراء التنفيذ
- Use special-category data only under an applicable legal condition and apply access, security, accuracy, liveness, vendor and deletion controls.
- الأدلة الواجب الاحتفاظ بها
- Assessment, architecture, tests and approvals.
- المصدر الأساسي
- Personal Data Protection Law
Perform DPIAs and manage incidents where required.
- إجراء التنفيذ
- Assess high-risk processing, keep a documented incident workflow and apply the current controller, processor, notification and recordkeeping duties.
- الأدلة الواجب الاحتفاظ بها
- DPIA, incident chronology, notices and remediation.
- المصدر الأساسي
- Personal Data Protection Law, including DPIA and security provisions
Control international transfers and processors.
- إجراء التنفيذ
- Confirm the applicable transfer condition, safeguards, contracts and representative or authorization requirements before transfer.
- الأدلة الواجب الاحتفاظ بها
- Transfer map, legal assessment, safeguards and notices.
- 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 10-13
Maintain reporting and sanctions case packs.
- إجراء التنفيذ
- Link trigger, classification, decision time, report, receipt, restriction, confidentiality and authority communications.
- الأدلة الواجب الاحتفاظ بها
- Case pack, timeline and access record.
- المصدر الأساسي
- AML/CFT Law, Articles 25-28 and Chapter X
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
14 مصدرًا مستخدمًا في هذه القائمة
استخدم هذه الروابط للتحقق من التشريعات وإرشادات الجهات الرقابية وإجراءات الإبلاغ والبيانات الدولية.
- AML/CFT Law - Legislative HeraldLegislative Herald of Georgia · Primary legislation - official repository
- Financial Monitoring Service of GeorgiaFinancial Monitoring Service of Georgia · Official FIU portal
- FMS reporting FAQFinancial Monitoring Service of Georgia · Official reporting guidance
- National Bank AML/CFT supervisionNational Bank of Georgia · Official supervisory guidance
- Law on payment services and implementing frameworkNational Bank of Georgia · Official legal source index
- Payment service provider registrationNational Bank of Georgia · Official registration guidance
- VASP registration rule noticeNational Bank of Georgia · Official registration guidance
- National Agency of Public RegistryNational Agency of Public Registry · Official company registry
- Personal Data Protection LawLegislative Herald of Georgia · Primary legislation - official repository
- Georgia fourth enhanced follow-up report 2025FATF / MONEYVAL · Authoritative follow-up assessment
- Georgia third enhanced follow-up report 2024FATF / MONEYVAL · Authoritative follow-up assessment
- FATF increased-monitoring statement - October 2026FATF · Authoritative current public-list status
- FATF call-for-action statement - October 2026FATF · Authoritative current public-list status
- Procedure for use of Georgian state symbolsLegislative Herald of Georgia · Primary legislation - official flag-use rules
إجابات مباشرة
أسئلة KYC وKYB وAML في جورجيا
Who receives suspicious-transaction reports?+
The Financial Monitoring Service of Georgia through its prescribed reporting route.
When must suspicion be reported?+
On the same day that reasonable suspicion arises; the rule covers suspicious transactions and attempts.
When does general occasional-transaction CDD apply?+
When a transaction or linked transactions exceed GEL 15,000 or the foreign-currency equivalent, subject to sector-specific rules.
Do funds transfers have a separate CDD trigger?+
Yes. A one-time transfer or linked transfers above GEL 3,000 trigger CDD under Article 11(1)(c).
How is a beneficial owner identified?+
Apply the statutory 25% ownership/voting and other ultimate-control tests, then the managerial-authority fallback after all possible measures.
How long are AML records retained?+
Five years under Article 27, with a possible requested extension of no more than five additional years.
Do payment providers and VASPs need authorization?+
Payment providers require the applicable National Bank registration or authorization, and VASPs are subject to National Bank registration and regulation.
Is Georgia on a FATF public list?+
No at the October 2026 statements. Georgia nevertheless remains in MONEYVAL enhanced follow-up, and 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 Georgian text, current FMS and sector rules, reporting forms and portal, designated transaction categories, sanctions implementation, privacy duties and licensing conditions with the competent authority and qualified Georgian counsel.