هايتي KYC, KYB & AML compliance checklist
قائمة عملية وموثقة بالمصادر لتنفيذ متطلبات KYC وKYB وAML في هايتي.
- تاريخ آخر مراجعة
- تاريخ آخر مراجعة:
- الإصدار
- الإصدار 1.0
إجابة مباشرة
ما الذي تغطيه قائمة الامتثال الخاصة بـ هايتي؟
تحوّل قائمة هايتي قواعد KYC وKYB وAML الأساسية إلى 11 مجالات رقابية و35 فحوص تنفيذ، وتشمل الجهات المختصة وواجبات الإبلاغ والأدلة الواجب الاحتفاظ بها.
حقائق تنظيمية أساسية
- FIU
- Unité Centrale de Renseignements Financiers (UCREF)
- Primary current framework
- Decree of 30 April 2023; BRH Circular 129-1 effective 2 March 2026
- Suspicion reporting
- Promptly to UCREF; do not wait for a threshold
- Transaction reports
- Sector-specific thresholds and deadlines under BRH Circular 95-5
- Retention
- At least 5 years for BRH-regulated financial institutions
- FATF status
- Increased monitoring as at 13 February 2026; recheck live lists
تفاصيل التنفيذ
متطلبات وإجراءات الامتثال في هايتي
افتح كل مجال لمراجعة المتطلب وإجراء التنفيذ المقترح والأدلة الواجب الاحتفاظ بها والمصدر الأساسي.
01Scope, authorities, and licensingMap the legal entity, activity and delivery model before applying sector rules.3 عناصر+
Determine whether the business is a reporting entity under the 2023 decree.
- إجراء التنفيذ
- Map each service and entity to the financial or designated non-financial categories; document any excluded or uncertain activity and obtain local advice.
- الأدلة الواجب الاحتفاظ بها
- Applicability memo, service map and counsel or authority confirmation.
- المصدر الأساسي
- Decree of 30 April 2023; UCREF legal framework
Treat UCREF as Haiti's financial intelligence unit.
- إجراء التنفيذ
- Register for the applicable UCREF reporting channel, nominate authorised reporters and test access before onboarding customers.
- الأدلة الواجب الاحتفاظ بها
- UCREF registration, access test and reporter appointment.
- المصدر الأساسي
- UCREF Organic Law of 4 May 2017; UCREF reporting guidance
Obtain BRH authorisation before providing a regulated financial or payment service.
- إجراء التنفيذ
- Classify banking, transfer, exchange, microfinance and electronic-payment functions and secure the relevant BRH approval before launch.
- الأدلة الواجب الاحتفاظ بها
- Licence analysis, BRH approval and permitted-activity register.
- المصدر الأساسي
- Banking Law of 14 May 2012; BRH Circular 121; Circular 129-1 scope
02Governance and risk assessmentBRH-regulated financial institutions require a documented, proportionate prevention programme.3 عناصر+
Maintain an AML/CFT/CPF prevention programme proportionate to the institution.
- إجراء التنفيذ
- Approve policies, internal controls, employee screening, training, independent testing and branch-level compliance responsibilities.
- الأدلة الواجب الاحتفاظ بها
- Board approval, programme, training records and audit reports.
- المصدر الأساسي
- BRH Circular 129-1, section 1
Appoint a compliance officer and operational compliance contacts.
- إجراء التنفيذ
- Document authority, independence, direct escalation, resources and substitution arrangements.
- الأدلة الواجب الاحتفاظ بها
- Appointment, job description, reporting line and committee minutes.
- المصدر الأساسي
- BRH Circular 129-1, sections 1.1-1.3
Apply a documented risk-based approach.
- إجراء التنفيذ
- Assess customer, product, channel, geography and transaction risks; assign a client risk level and tune controls to it.
- الأدلة الواجب الاحتفاظ بها
- Enterprise risk assessment, client scoring and control mapping.
- المصدر الأساسي
- BRH Circular 129-1, sections 1.7, 2 and 7
03Natural-person identificationIdentify and verify customers, representatives and persons behind transactions using reliable evidence.4 عناصر+
Identify and verify the customer before establishing a relationship.
- إجراء التنفيذ
- Collect identity, address, occupation and expected activity; verify with current reliable documents and record exceptions.
- الأدلة الواجب الاحتفاظ بها
- Identity file, verification result, address proof and onboarding approval.
- المصدر الأساسي
- Decree of 30 April 2023 arts. 37-39; BRH Circular 129-1, sections 3-4
Apply CDD to relationships, covered occasional transactions, transfers, suspicion and unreliable prior data.
- إجراء التنفيذ
- Trigger CDD for every relationship; for financial institutions also apply Circular 129-1's HTG 1,320,000 occasional/linked-cash trigger and all national or international transfers, without treating the threshold as a safe harbour.
- الأدلة الواجب الاحتفاظ بها
- CDD trigger log, linked-transaction logic and completed case files.
- المصدر الأساسي
- BRH Circular 129-1, section 2
Collect specified identity evidence for remittances and transmissions at HTG 132,000 or equivalent.
- إجراء التنفيذ
- For covered financial institutions, verify the parties and retain required transfer information at or above the threshold and whenever risk or complexity warrants it.
- الأدلة الواجب الاحتفاظ بها
- Transfer record, identity documents and threshold alert.
- المصدر الأساسي
- BRH Circular 129-1, section 3
Do not proceed when required identity or authority cannot be established.
- إجراء التنفيذ
- Refuse or end the relationship or transaction and assess whether to report suspicion to UCREF.
- الأدلة الواجب الاحتفاظ بها
- Decline record, escalation and STR decision.
- المصدر الأساسي
- Decree of 30 April 2023 art. 46; BRH Circular 129-1, sections 3 and 5
04KYB, registries, and beneficial ownershipRegistry evidence is a starting point; it does not replace ownership and control verification.4 عناصر+
Verify legal existence, purpose, registered office and authority to act.
- إجراء التنفيذ
- Obtain constitutive documents, MCI commercial-registration evidence, tax identifiers, directors and representative powers; independently confirm current status.
- الأدلة الواجب الاحتفاظ بها
- Registry extract, statutes, tax evidence and authority documents.
- المصدر الأساسي
- Decree of 30 April 2023 art. 38; MCI company-registration procedures
Understand ownership and control and identify beneficial owners.
- إجراء التنفيذ
- Trace natural persons who ultimately own or control the customer and apply the decree's control and fallback sequence without inventing a percentage threshold.
- الأدلة الواجب الاحتفاظ بها
- Ownership chart, source documents, control analysis and verified natural-person files.
- المصدر الأساسي
- Decree of 30 April 2023 arts. 40-42; BRH Circular 129-1, section 5
Keep beneficial-owner information current and plausible.
- إجراء التنفيذ
- Refresh on ownership, management or risk changes; stop service and consider UCREF reporting when information is missing, implausible or cannot be verified.
- الأدلة الواجب الاحتفاظ بها
- Change monitoring, refresh log and escalation record.
- المصدر الأساسي
- BRH Circular 129-1, sections 5, 8 and 9
Do not assume a comprehensive public beneficial-ownership register.
- إجراء التنفيذ
- Use MCI records and published formation documents where accessible, then obtain independent ownership/control evidence from the customer and reliable third parties.
- الأدلة الواجب الاحتفاظ بها
- Registry search, access log, ownership documents and discrepancy memo.
- المصدر الأساسي
- MCI commercial-register procedures; FATF Haiti action plan
05PEPs, EDD, and remote onboardingHigh-risk relationships require approval, provenance evidence and enhanced monitoring.3 عناصر+
Detect domestic, foreign and international-organisation PEPs and connected persons.
- إجراء التنفيذ
- Screen customers and beneficial owners at onboarding and periodically, including family members and close associates.
- الأدلة الواجب الاحتفاظ بها
- Screening output, match disposition and refresh schedule.
- المصدر الأساسي
- Decree of 30 April 2023 art. 6; BRH Circular 129-1, section 6
Apply PEP controls when a match is confirmed.
- 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 file and monitoring plan.
- المصدر الأساسي
- BRH Circular 129-1, section 6
Control non-face-to-face and other high-risk relationships.
- إجراء التنفيذ
- Use stronger identity, liveness, device, document and first-payment controls proportionate to risk and record why residual risk is acceptable.
- الأدلة الواجب الاحتفاظ بها
- Remote-onboarding test results, fraud checks and approval.
- المصدر الأساسي
- Decree of 30 April 2023 art. 36; BRH Circular 129-1, section 2.3
06Monitoring and suspicious reportingSuspicion is independent of amount and reporting must remain confidential.4 عناصر+
Monitor consistently with the customer's expected activity and risk.
- إجراء التنفيذ
- Detect unusual, complex, unjustified and linked activity; investigate origin, purpose and parties and preserve a confidential written analysis.
- الأدلة الواجب الاحتفاظ بها
- Alerts, investigation notes, disposition and rule governance.
- المصدر الأساسي
- BRH Circular 129-1, sections 1.8 and 2.1
Report suspicion promptly to UCREF.
- إجراء التنفيذ
- File when funds or property are suspected or reasonably suspected to be criminal proceeds or connected to ML/TF; do not wait to prove the predicate offence.
- الأدلة الواجب الاحتفاظ بها
- STR decision, transmission receipt and supporting analysis.
- المصدر الأساسي
- 2013 Law art. 31; Decree of 30 April 2023; UCREF reporting guidance
Escalate before, during or after a transaction as facts require.
- إجراء التنفيذ
- Use the authorised electronic channel or another written method if unavailable; follow UCREF instructions for a pending transaction and promptly supplement post-transaction suspicion.
- الأدلة الواجب الاحتفاظ بها
- Timestamped escalation, UCREF communication and supplements.
- المصدر الأساسي
- UCREF reporting guidance, 2013 Law arts. 19 and 33-34
Prevent tipping off and protect reporter confidentiality.
- إجراء التنفيذ
- Restrict STR knowledge, exclude it from customer disclosures and train staff on prohibited communications.
- الأدلة الواجب الاحتفاظ بها
- Access logs, confidentiality procedure and training attestations.
- المصدر الأساسي
- 2013 Law arts. 35 and 37; BRH Circular 129-1, section 16
07Payments, wires, thresholds, and agentsTransaction reports and transfer information use sector-specific rules.4 عناصر+
Apply Circular 95-5 reporting thresholds only to the named sector.
- إجراء التنفيذ
- Report: banks at HTG 1,320,000 for cash/transfers/wires; transfer houses at HTG 132,000 for transfers; exchange bureaux at HTG 1,132,000 cash or HTG 350,000 bank transfer; credit cooperatives and microfinance companies at HTG 1,132,000 cash, including linked transactions.
- الأدلة الواجب الاحتفاظ بها
- Threshold configuration, aggregation tests and filed reports.
- المصدر الأساسي
- BRH Circular 95-5, section 2
Transmit threshold reports within the prescribed channel and time.
- إجراء التنفيذ
- Send electronically each day; where paper is used, send within three business days in the metropolitan area or five business days in provincial cities.
- الأدلة الواجب الاحتفاظ بها
- Submission log, UCREF receipt and exception record.
- المصدر الأساسي
- BRH Circular 95-5, section 1
Carry complete originator and beneficiary information through wire transfers.
- إجراء التنفيذ
- Validate names, addresses, account identifiers and accompanying information; use risk-based rules to execute, reject or suspend incomplete transfers.
- الأدلة الواجب الاحتفاظ بها
- Payment message, validation result and exception decision.
- المصدر الأساسي
- Decree of 30 April 2023 arts. 47-53; BRH Circular 129-1, section 11
Control agents, sub-agents and outsourced providers.
- إجراء التنفيذ
- Perform due diligence, contract for compliance and data access, monitor performance and retain final accountability.
- الأدلة الواجب الاحتفاظ بها
- Due-diligence file, contract, monitoring and remediation.
- المصدر الأساسي
- BRH Circular 129-1, sections 12 and 15; Circular 121
08Targeted financial sanctionsFinancial institutions must screen and act on applicable UN designations under Haiti's 2023 framework.3 عناصر+
Screen customers, beneficial owners, counterparties and transactions against applicable designation lists.
- إجراء التنفيذ
- Screen at onboarding, before execution and on list updates; cover aliases, ownership/control and indirect availability of assets.
- الأدلة الواجب الاحتفاظ بها
- List source, screening logs, match logic and dispositions.
- المصدر الأساسي
- Decree of 30 April 2023; BRH targeted-financial-sanctions guidelines (16 February 2026)
Freeze matched funds and other assets without delay and without prior notice.
- إجراء التنفيذ
- Block dealing or making assets available, preserve the asset trail and notify the competent authorities through the prescribed channel.
- الأدلة الواجب الاحتفاظ بها
- Freeze timestamp, asset inventory, authority report and access restriction.
- المصدر الأساسي
- BRH targeted-financial-sanctions guidelines, sections 3-7
Manage false positives and release only under competent authority.
- إجراء التنفيذ
- Document match analysis; do not release frozen property until the legally competent authority confirms delisting, exemption or authorisation.
- الأدلة الواجب الاحتفاظ بها
- Match file, authority instruction and controlled release approval.
- المصدر الأساسي
- BRH targeted-financial-sanctions guidelines
09Records and regulator accessRecords must reconstruct decisions and transactions and be promptly retrievable.3 عناصر+
Retain CDD records for at least five years after closure or the end of the relationship.
- إجراء التنفيذ
- Preserve identity, beneficial-owner, authority and risk records with immutable dates and retrieval controls.
- الأدلة الواجب الاحتفاظ بها
- Retention schedule, archive sample and deletion controls.
- المصدر الأساسي
- BRH Circular 129-1, section 14
Retain transaction, analysis, correspondence and transfer records for at least five years.
- إجراء التنفيذ
- Calculate from transaction execution or relationship end as applicable and preserve copies of UCREF reports.
- الأدلة الواجب الاحتفاظ بها
- Transaction archive, analysis file and filing copy.
- المصدر الأساسي
- BRH Circular 129-1, section 14
Respond promptly to lawful information requests.
- إجراء التنفيذ
- Authenticate the requester, preserve confidentiality, produce complete records and log every disclosure.
- الأدلة الواجب الاحتفاظ بها
- Request, legal review, production log and receipt.
- المصدر الأساسي
- 2013 Law art. 36; BRH Circular 129-1, section 14
10Privacy, biometrics, and transfersA comprehensive general private-sector data-protection statute and authority were not confirmed in the reviewed primary materials; confidentiality and sector rules still apply.2 عناصر+
Use KYC data for defined lawful purposes and restrict access.
- إجراء التنفيذ
- Document purpose, necessity, access roles, security and retention; obtain Haitian advice for biometrics, monitoring and cross-border hosting.
- الأدلة الواجب الاحتفاظ بها
- Data inventory, access matrix, security review and legal assessment.
- المصدر الأساسي
- Constitution of Haiti art. 28-1; Banking Law confidentiality provisions; BRH Circular 126
Do not claim a general privacy-law transfer mechanism that has not been verified.
- إجراء التنفيذ
- Contract for security, confidentiality, incident response, return/deletion and regulator access; record the legal basis and uncertainty for each cross-border flow.
- الأدلة الواجب الاحتفاظ بها
- Transfer assessment, vendor contract and data-flow map.
- المصدر الأساسي
- BRH Circular 126; sector confidentiality duties
11Practical evidence packsKeep concise packs that allow an auditor to reproduce each decision.2 عناصر+
Maintain one reconstructable onboarding pack per customer.
- 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 BRH Circular 129-1
Maintain one reconstructable monitoring and reporting pack per case.
- إجراء التنفيذ
- Link source transactions, alerts, analysis, approvals, UCREF submissions and post-filing controls without exposing the filing to unauthorised staff.
- الأدلة الواجب الاحتفاظ بها
- Complete sampled case pack and access log.
- المصدر الأساسي
- Operational control supporting Decree of 30 April 2023 and BRH Circulars 95-5 and 129-1
سجل المصادر الأساسية
11 مصدرًا مستخدمًا في هذه القائمة
استخدم هذه الروابط للتحقق من التشريعات وإرشادات الجهات الرقابية وإجراءات الإبلاغ والبيانات الدولية.
- Decree of 30 April 2023 sanctioning ML, TF and proliferation financingUCREF / Le Moniteur · Primary legislation
- BRH Circular 129-1 - preventive AML/CFT/CPF measuresBanque de la République d'Haïti · Binding financial-sector regulation
- BRH Circular 95-5 - transaction reports and thresholdsBanque de la République d'Haïti · Binding financial-sector regulation
- Targeted financial sanctions guidelinesBanque de la République d'Haïti · Authoritative supervisory guidance
- UCREF AML/CFT reporting guidanceUCREF · Official FIU guidance
- UCREF legal and regulatory frameworkUCREF · Official legal inventory
- BRH prudential standards and current circularsBanque de la République d'Haïti · Official supervisory inventory
- BRH Circular 121 - electronic payment service providersBanque de la République d'Haïti · Binding payment regulation
- MCI professional identity and commercial-register procedureMinistry of Commerce and Industry · Official registry guidance
- Haiti 4th enhanced follow-up report (2024)CFATF · Authoritative regional assessment
- FATF black and grey lists - 13 February 2026FATF · Authoritative current status
إجابات مباشرة
أسئلة KYC وKYB وAML في هايتي
Who receives suspicious transaction reports in Haiti?+
UCREF. Report promptly through the authorised channel and keep the report confidential.
Is there one universal transaction-reporting threshold?+
No. BRH Circular 95-5 sets different thresholds by financial-sector category and transaction type; suspicion is reportable regardless of amount.
How long should financial institutions retain AML records?+
At least five years under BRH Circular 129-1, calculated from account closure, relationship end or transaction execution as applicable.
Is beneficial ownership a registry-only check?+
No. Financial institutions must understand ownership/control, identify and verify beneficial owners and resolve missing or implausible information independently.
Are electronic payment services regulated?+
Yes. BRH Circular 121 regulates electronic payment service providers, and Circular 129-1 includes them within its financial-institution scope.
Does Haiti have a confirmed comprehensive public beneficial-ownership register?+
The reviewed official materials did not establish one. Use MCI registration evidence but independently verify natural-person ownership and control.
Does Haiti have a confirmed comprehensive private-sector data-protection statute?+
No such comprehensive statute or dedicated general authority was confirmed in the reviewed primary materials. Constitutional confidentiality, sector rules, cybersecurity duties and contractual controls still require careful handling.
Is Haiti on a FATF public list?+
Yes. Haiti remained under increased monitoring in FATF's 13 February 2026 statement reviewed on 8 August 2026. Recheck the live list before reliance.
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 8 August 2026 and legally scoped as applicable on that date. Confirm UCREF forms and access, BRH interpretations, non-financial-sector supervision, registry access, sanctions release procedures, privacy rules and product-specific licensing with the competent authority and qualified Haitian counsel before launch.