غينيا KYC, KYB & AML compliance checklist
قائمة عملية وموثقة بالمصادر لتنفيذ متطلبات KYC وKYB وAML في غينيا.
- تاريخ آخر مراجعة
- تاريخ آخر مراجعة:
- الإصدار
- الإصدار 1.0
إجابة مباشرة
ما الذي تغطيه قائمة الامتثال الخاصة بـ غينيا؟
تحوّل قائمة غينيا 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
- Cellule Nationale de Traitement des Informations Financieres (CENTIF)
- Primary AML law
- Law L/2021/0024/AN of 17 August 2021
- Suspicion reporting
- Immediately to CENTIF, including attempts, regardless of amount
- Objective reports
- Cash and cross-border-wire thresholds require a current BCRG instruction
- Core retention
- 10 years after relationship end or occasional transaction
- FATF status
- Not named on FATF public lists as at 19 June 2026
تفاصيل التنفيذ
متطلبات وإجراءات الامتثال في غينيا
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.
- إجراء التنفيذ
- Map each entity, product, channel and agent to the financial-institution, DNFBP, virtual-asset or covered public-authority categories and identify CENTIF and the competent supervisor.
- الأدلة الواجب الاحتفاظ بها
- Applicability memo, product map and accountable-owner register.
- المصدر الأساسي
- Law L/2021/0024/AN, Articles 5-9 and 56
Treat CENTIF as Guinea's financial intelligence unit.
- إجراء التنفيذ
- Appoint authorised correspondents, obtain CENTIF's current filing route and prescribed form, and test controlled access before operations begin.
- الأدلة الواجب الاحتفاظ بها
- Correspondent appointment, channel test, procedure and access approvals.
- المصدر الأساسي
- Law L/2021/0024/AN, Articles 75-94
Obtain authorisation before regulated financial activity.
- إجراء التنفيذ
- Classify banking, inclusive finance, payment, e-money, transfer, exchange, insurance, securities 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 L/2021/0024/AN, Articles 20 and 42; applicable BCRG and sector laws
02Governance and risk assessmentThe programme must be documented, risk-based and independently tested.3 عناصر+
Maintain an enterprise-wide ML/TF risk assessment.
- إجراء التنفيذ
- Assess customers, products, channels, geography, cash, agents, technology, virtual assets and proliferation exposure and update the assessment on material change.
- الأدلة الواجب الاحتفاظ بها
- Approved methodology, assessment, controls and version history.
- المصدر الأساسي
- Law L/2021/0024/AN, Articles 21-23
Maintain written controls and an empowered compliance function.
- إجراء التنفيذ
- Assign senior accountability and confidential CENTIF reporting authority; maintain screening, recruitment, training and independent audit controls proportionate to risk.
- الأدلة الواجب الاحتفاظ بها
- Appointments, policies, training, testing and remediation log.
- المصدر الأساسي
- Law L/2021/0024/AN, Articles 50-53; BCRG Instruction No. 109
Assess new technology before use.
- إجراء التنفيذ
- Identify and mitigate ML/TF, fraud, cybersecurity and privacy 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
- Law L/2021/0024/AN, Article 23; Law L/2016/037/AN
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 information; identify anyone acting for the customer and verify identity and authority.
- الأدلة الواجب الاحتفاظ بها
- Identity file, source provenance, mandate and verification result.
- المصدر الأساسي
- Law L/2021/0024/AN, Articles 25-26
Understand purpose and expected activity.
- إجراء التنفيذ
- Record 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
- Law L/2021/0024/AN, Article 26
Do not proceed where mandatory CDD fails.
- إجراء التنفيذ
- Do not open or execute, or terminate as applicable, when required CDD cannot be completed; consider a confidential suspicious-operation report.
- الأدلة الواجب الاحتفاظ بها
- Decline or exit decision, investigation and restricted reporting record.
- المصدر الأساسي
- Law L/2021/0024/AN, Articles 32-33
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
- Law L/2021/0024/AN, Article 27; OHADA Uniform Acts
Identify natural-person beneficial owners through ownership, control and fallback tests.
- إجراء التنفيذ
- Identify 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
- Law L/2021/0024/AN, Article 27(3)
Treat company and beneficial-owner records as corroboration.
- إجراء التنفيذ
- Obtain and reconcile available RCCM and company-held beneficial-owner information; record gaps and do not assume a fully operational central register.
- الأدلة الواجب الاحتفاظ بها
- Registry extracts, company records, discrepancy log and escalation.
- المصدر الأساسي
- OHADA company and RCCM framework; GIABA Guinea MER 2023
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
- Law L/2021/0024/AN, Articles 35-37
Apply PEP approval, provenance and monitoring measures.
- إجراء التنفيذ
- Obtain senior-management approval, take reasonable measures to establish source of wealth and funds, and conduct enhanced ongoing monitoring.
- الأدلة الواجب الاحتفاظ بها
- Approval, provenance analysis and monitoring plan.
- المصدر الأساسي
- Law L/2021/0024/AN, Article 36
Control non-face-to-face and biometric risk.
- إجراء التنفيذ
- Apply enhanced identity, fraud, device, liveness, sensitive-data and exception controls proportionate to the remote channel and data used.
- الأدلة الواجب الاحتفاظ بها
- Remote-onboarding assessment, impact review, tests and exceptions.
- المصدر الأساسي
- Law L/2021/0024/AN, Article 34; Law L/2016/037/AN
06Monitoring and suspicious reportingCENTIF reporting is immediate, 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
- Law L/2021/0024/AN, Articles 26 and 39
Report suspicion and attempted suspicious operations immediately to CENTIF.
- إجراء التنفيذ
- File immediately when funds or property are suspected, or reasonably suspected, to be criminal proceeds or linked to terrorist financing, including attempts regardless of amount, using CENTIF's current form and route.
- الأدلة الواجب الاحتفاظ بها
- Decision chronology, report, receipt and supplemental-information log.
- المصدر الأساسي
- Law L/2021/0024/AN, Articles 45 and 87
Prevent tipping off.
- إجراء التنفيذ
- Restrict access and do not disclose a suspicious-operation report or related CENTIF information to the customer or unauthorised third parties.
- الأدلة الواجب الاحتفاظ بها
- Access logs, confidentiality procedure and training.
- المصدر الأساسي
- Law L/2021/0024/AN, Articles 49 and 94
07Payments, wires, thresholds, and agentsPayment controls preserve required data and apply only verified thresholds.3 عناصر+
Apply objective reporting only at currently prescribed thresholds.
- إجراء التنفيذ
- Obtain the current BCRG instruction and CENTIF method before configuring cash and cross-border-wire reporting; aggregate as the instrument requires and retain the legal basis.
- الأدلة الواجب الاحتفاظ بها
- Current instruction, configuration, filings and receipts.
- المصدر الأساسي
- Law L/2021/0024/AN, Article 46
Preserve required wire-transfer information.
- إجراء التنفيذ
- Carry required originator and beneficiary information through the payment chain and risk-govern missing or incomplete information.
- الأدلة الواجب الاحتفاظ بها
- Message samples, validation rules, exceptions and escalation.
- المصدر الأساسي
- Law L/2021/0024/AN, Articles 40-43
Retain accountability for agents and outsourcing.
- إجراء التنفيذ
- Verify permissions, diligence providers, contract for security and record access, train agents, monitor compliance and test retrieval.
- الأدلة الواجب الاحتفاظ بها
- Due diligence, contract, training, monitoring and retrieval test.
- المصدر الأساسي
- Law L/2021/0024/AN, Article 50(2); applicable BCRG sector rules
08Targeted financial sanctionsUse current UN designations and Guinea's controlled legal process.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 L/2021/0024/AN, Articles 20 and 44; UN 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 current competent-authority process.
- الأدلة الواجب الاحتفاظ بها
- Freeze procedure, timestamps, legal basis and authority communication.
- المصدر الأساسي
- Law L/2021/0024/AN, Articles 20 and 44
Report and govern matches, false positives and release.
- إجراء التنفيذ
- Use the current national reporting and challenge process, file a suspicious-operation report where warranted, and release only on documented lawful authority.
- الأدلة الواجب الاحتفاظ بها
- Reports, receipt, match rationale, authority instruction and reconciliation.
- المصدر الأساسي
- Law L/2021/0024/AN, Articles 20, 44-45
09Records and regulator accessRecords must reconstruct the customer, ownership, transaction and decision.3 عناصر+
Retain CDD and transaction records for 10 years.
- إجراء التنفيذ
- Retain CDD, account, correspondence, analysis and transaction records for 10 years after relationship end or the occasional transaction, subject to longer legal holds.
- الأدلة الواجب الاحتفاظ بها
- Schedule, configuration, archive sample and legal-hold log.
- المصدر الأساسي
- Law L/2021/0024/AN, Article 54
Make transaction records reconstructable.
- إجراء التنفيذ
- Preserve sufficient detail to reconstruct individual domestic and international operations and associated decisions.
- الأدلة الواجب الاحتفاظ بها
- Transaction reconstruction and retrieval test.
- المصدر الأساسي
- Law L/2021/0024/AN, Article 54(2)
Respond securely to competent-authority requests.
- إجراء التنفيذ
- Authenticate requests, protect reporting confidentiality, produce reproducibly and log scope, timing and receipt.
- الأدلة الواجب الاحتفاظ بها
- Request, approval, production index and acknowledgement.
- المصدر الأساسي
- Law L/2021/0024/AN, Articles 47, 54-55 and 88
10Privacy, biometrics, and transfersPersonal-data duties apply alongside AML confidentiality and retention.3 عناصر+
Document lawful and transparent identity processing.
- إجراء التنفيذ
- Map purposes, data, legal basis, notices, rights, recipients, security and retention and complete currently required declarations or authorisations.
- الأدلة الواجب الاحتفاظ بها
- Data inventory, legal assessment, notices and authority record.
- المصدر الأساسي
- Law L/2016/037/AN, personal-data provisions
Apply enhanced safeguards to biometric and sensitive data.
- إجراء التنفيذ
- Minimise collection, restrict access, test security and document an applicable statutory basis before biometric or sensitive-data use.
- الأدلة الواجب الاحتفاظ بها
- Impact assessment, legal basis, security tests and approval.
- المصدر الأساسي
- Law L/2016/037/AN
Control processors, incidents and cross-border transfers.
- إجراء التنفيذ
- Bind processors, preserve confidentiality and security, and obtain current authority guidance before configuring transfers or incident notices; do not invent a portal or deadline.
- الأدلة الواجب الاحتفاظ بها
- Processor contract, transfer assessment, incident procedure and authority guidance.
- المصدر الأساسي
- Law L/2016/037/AN
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, privacy records and exceptions under stable identifiers.
- الأدلة الواجب الاحتفاظ بها
- Complete sampled onboarding pack.
- المصدر الأساسي
- Operational control supporting Law L/2021/0024/AN
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 L/2021/0024/AN, Articles 45-49 and 87-94
سجل المصادر الأساسية
10 مصدرًا مستخدمًا في هذه القائمة
استخدم هذه الروابط للتحقق من التشريعات وإرشادات الجهات الرقابية وإجراءات الإبلاغ والبيانات الدولية.
- Law L/2021/0024/AN on AML/CFTBCRG · Primary national legislation
- BCRG Instruction No. 109 applying the AML/CFT law to financial institutionsBCRG · Primary supervisory instruction
- BCRG AML/CFT application instruction for inclusive financial institutionsBCRG · Primary supervisory instruction
- Guinea second enhanced follow-up report - November 2025GIABA · Authoritative country assessment
- Guinea mutual evaluation materialsGIABA · Authoritative country assessment
- BCRG compliance and supervisory materialsBCRG · Official regulator materials
- Law L/2016/037/AN on cybersecurity and personal dataSupreme Court of Guinea · Primary national legislation
- OHADA commercial companies and RCCM frameworkOHADA · Official company-law materials
- FATF high-risk and monitored jurisdictionsFATF · Authoritative current status
- United Nations Security Council consolidated sanctions listUnited Nations · Authoritative sanctions list
إجابات مباشرة
أسئلة KYC وKYB وAML في غينيا
Who receives suspicious-operation reports?+
Guinea's Cellule Nationale de Traitement des Informations Financieres (CENTIF). Obtain and use CENTIF's current prescribed route and form.
When is suspicion reported?+
Immediately when the institution suspects or has reasonable grounds to suspect criminal proceeds or terrorist-financing links, including attempts regardless of amount.
Are there objective threshold reports?+
Article 46 covers cash and cross-border-wire reports, but leaves thresholds to BCRG instruction and methods to CENTIF. Verify the current instruments before configuration.
How is beneficial ownership determined?+
Article 27 follows ultimate controlling ownership, control by other means and principal-manager fallback; no fixed ownership percentage should be invented for this CDD test.
How long are AML records retained?+
Ten years after relationship end or the occasional transaction under Article 54, subject to longer legal holds.
Is Guinea on a FATF public list?+
Guinea was not named on FATF's high-risk or increased-monitoring lists current at 19 June 2026. It remains in GIABA enhanced follow-up.
Does personal-data law apply?+
Yes. Law L/2016/037/AN applies to personal-data processing. Confirm current authority, declaration, authorisation, transfer and incident mechanics before production use.
Can a financial or payment product launch without approval?+
No. Classify the activity under current Guinean sector rules and obtain every BCRG or other competent-authority 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 27 August 2026. Confirm reporting-entity status, current CENTIF filing specifications, BCRG thresholds and sector instructions, beneficial-owner register implementation, targeted-sanctions workflow, personal-data authority formalities and product permissions with the competent authority and qualified Guinean counsel before launch.