الأردن KYC, KYB & AML compliance checklist
قائمة عملية وموثقة بالمصادر لتنفيذ متطلبات KYC وKYB وAML في الأردن.
- تاريخ آخر مراجعة
- تاريخ آخر مراجعة:
- الإصدار
- الإصدار 1.0
دليل تنفيذ قابل للتنزيل
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11 مجالات رقابية · 37 فحوص تنفيذ
تاريخ آخر مراجعة: 7 October 2026 · الإصدار 1.0
تنزيل قائمة التحققإجابة مباشرة
ما الذي تغطيه قائمة الامتثال الخاصة بـ الأردن؟
تحوّل قائمة الأردن قواعد KYC وKYB وAML الأساسية إلى 11 مجالات رقابية و37 فحوص تنفيذ، وتشمل الجهات المختصة وواجبات الإبلاغ والأدلة الواجب الاحتفاظ بها.
حقائق تنظيمية أساسية
- Primary AML law
- Law No. 20 of 2021
- FIU
- Anti-Money Laundering and Counter Terrorist Financing Unit
- SAR timing
- Immediately, including attempted activity, regardless of value
- Records
- At least 5 years from the applicable transaction or relationship trigger
- Beneficial ownership
- Apply ownership and ultimate effective-control tests; registry guidance includes 20% criteria
- Cross-border cash declaration
- More than JOD 10,000 or equivalent
- Privacy law
- Personal Data Protection Law No. 24 of 2023, effective 17 March 2024
- FATF public lists
- Not listed at 19 June 2026
تفاصيل التنفيذ
متطلبات وإجراءات الامتثال في الأردن
افتح كل مجال لمراجعة المتطلب وإجراء التنفيذ المقترح والأدلة الواجب الاحتفاظ بها والمصدر الأساسي.
01Scope, authorities, and licensingClassify the activity, Jordan nexus and supervisor before launch.3 عناصر+
Determine whether the business is a reporting entity.
- إجراء التنفيذ
- Map each service to financial institutions, real-estate and precious-metals businesses, specified legal and accounting activities, company-service activities and any category added by Cabinet.
- الأدلة الواجب الاحتفاظ بها
- Perimeter memo, service map and authority confirmation.
- المصدر الأساسي
- Law 20/2021 article 14
Obtain each activity-specific licence before operating.
- إجراء التنفيذ
- Classify banking, exchange, money transfer, electronic payment, finance, securities, insurance and digital products under the current sector regime.
- الأدلة الواجب الاحتفاظ بها
- Licence matrix, approvals and conditions.
- المصدر الأساسي
- Banking Law; Money Exchange Business Law; CBJ payment instructions
Use current sector rules and controlling Arabic text.
- إجراء التنفيذ
- Track CBJ, JSC, AMLU and other supervisory instructions, including amendments and Article 44 continuity.
- الأدلة الواجب الاحتفاظ بها
- Source inventory, translations and change log.
- المصدر الأساسي
- Law 20/2021 articles 21 and 44
02Governance and risk assessmentControls must be risk-based, documented and effective.3 عناصر+
Assess and monitor ML/TF risks.
- إجراء التنفيذ
- Cover customers, countries, products, services, delivery channels, transactions and new technologies in a proportionate assessment.
- الأدلة الواجب الاحتفاظ بها
- Methodology, assessment, approvals and updates.
- المصدر الأساسي
- Law 20/2021 article 15(a)-(c)
Maintain approved mitigation controls.
- إجراء التنفيذ
- Document CDD, monitoring, SAR, records, sanctions, training and escalation procedures based on assessed risk.
- الأدلة الواجب الاحتفاظ بها
- Approved framework, procedures and issue register.
- المصدر الأساسي
- Law 20/2021 article 15(b), (f)
Appoint responsible compliance personnel and independent assurance.
- إجراء التنفيذ
- Apply the exact sector instruction on authority, resources, reporting and testing.
- الأدلة الواجب الاحتفاظ بها
- Appointment, board reports, training, audit and remediation.
- المصدر الأساسي
- Law 20/2021; applicable supervisory instructions
03Natural-person identificationIdentify customers, beneficial owners and representatives at every applicable trigger.4 عناصر+
Never use anonymous or fictitious accounts.
- إجراء التنفيذ
- Identify and verify the customer with reliable, independent evidence before activation.
- الأدلة الواجب الاحتفاظ بها
- Identity attributes, document provenance and fraud checks.
- المصدر الأساسي
- Law 20/2021 article 15(d)
Apply risk-based CDD and enhanced measures when required.
- إجراء التنفيذ
- Understand purpose and intended nature, verify relevant persons and apply EDD for higher risk or suspicion.
- الأدلة الواجب الاحتفاظ بها
- Trigger, profile, verification and approval.
- المصدر الأساسي
- Law 20/2021 article 15(d)-(e)
Verify representatives and authority.
- إجراء التنفيذ
- Identify the representative and authenticate the mandate before accepting instructions.
- الأدلة الواجب الاحتفاظ بها
- Representative KYC, authority document and validation.
- المصدر الأساسي
- Law 20/2021 article 15; sector CDD instructions
Do not proceed when CDD cannot be completed.
- إجراء التنفيذ
- Do not open, execute, begin or continue the relevant relationship or transaction; assess an AMLU report without tipping off.
- الأدلة الواجب الاحتفاظ بها
- Failure reason, restriction and SAR assessment.
- المصدر الأساسي
- Law 20/2021 article 16
04KYB and beneficial ownershipVerify legal existence, ownership and ultimate effective control.4 عناصر+
Verify the legal person and its authority structure.
- إجراء التنفيذ
- Obtain current registry, constitutional, director, signatory and business-purpose evidence.
- الأدلة الواجب الاحتفاظ بها
- Certified extract, documents and discrepancy record.
- المصدر الأساسي
- Law 20/2021 article 15; sector CDD instructions
Identify natural persons who ultimately own or control.
- إجراء التنفيذ
- Trace direct, indirect, layered, nominee and other control arrangements; do not stop at a legal-person shareholder.
- الأدلة الواجب الاحتفاظ بها
- Ownership chart, calculations and verified identities.
- المصدر الأساسي
- Law 20/2021 article 2; BO Regulation 62/2022
Apply registry criteria without treating a percentage as a safe harbour.
- إجراء التنفيذ
- Use the current Regulation 62/2022 and CCD guidance, including relevant 20% ownership, voting, profit, appointment or liquidation criteria, while assessing ultimate effective control and fallback persons.
- الأدلة الواجب الاحتفاظ بها
- Criterion-by-criterion analysis and rationale.
- المصدر الأساسي
- BO Regulation 62/2022 article 9; CCD BO guidance
Maintain the company BO register and required filings.
- إجراء التنفيذ
- Record prescribed particulars, reconcile changes and submit declarations through the live CCD procedure within the applicable deadline.
- الأدلة الواجب الاحتفاظ بها
- BO register, forms, receipts and change log.
- المصدر الأساسي
- Companies Law; BO Regulation 62/2022
05PEPs, EDD, and remote onboardingApply enhanced measures to PEPs and higher-risk relationships.3 عناصر+
Determine whether the customer or beneficial owner is a PEP.
- إجراء التنفيذ
- Use risk-management procedures and apply the approval, wealth, funds and monitoring measures required by the applicable sector rule.
- الأدلة الواجب الاحتفاظ بها
- Screening, classification, approval and corroboration.
- المصدر الأساسي
- Law 20/2021 article 15(e)
Apply EDD proportionate to higher risk.
- إجراء التنفيذ
- Obtain additional customer, purpose, ownership, source-of-wealth and source-of-funds information and intensify monitoring.
- الأدلة الواجب الاحتفاظ بها
- Risk trigger, additional CDD and approval.
- المصدر الأساسي
- Law 20/2021 article 15(d)
Control non-face-to-face onboarding.
- إجراء التنفيذ
- For eligible CBJ-regulated services, apply Instructions 7/2021 and any product-specific identity, authentication, fraud and exception controls.
- الأدلة الواجب الاحتفاظ بها
- Method assessment, authentication result and exceptions.
- المصدر الأساسي
- CBJ electronic KYC Instructions 7/2021
06Monitoring and suspicious reportingOngoing scrutiny supports immediate reporting to AMLU.4 عناصر+
Monitor and refresh on a risk basis.
- إجراء التنفيذ
- Compare activity with purpose, expected behaviour, risk and source of funds; update CDD when events or doubts arise.
- الأدلة الواجب الاحتفاظ بها
- Scenarios, alerts, reviews and refresh records.
- المصدر الأساسي
- Law 20/2021 articles 15 and 17(b)
Escalate suspicion without waiting for proof.
- إجراء التنفيذ
- Assess transactions, activities and attempts promptly and document reasonable grounds and formation time.
- الأدلة الواجب الاحتفاظ بها
- Chronology, information and decision.
- المصدر الأساسي
- Law 20/2021 article 18
Notify AMLU immediately regardless of value.
- إجراء التنفيذ
- Submit the prescribed SAR through the current goAML route and retain the acknowledgement.
- الأدلة الواجب الاحتفاظ بها
- Suspicion timestamp, submission and receipt.
- المصدر الأساسي
- Law 20/2021 article 18; AMLU FAQ
Prevent tipping off and protect SAR information.
- إجراء التنفيذ
- Restrict access and customer communications and follow lawful information-sharing rules.
- الأدلة الواجب الاحتفاظ بها
- Access logs, scripts, training and incidents.
- المصدر الأساسي
- Law 20/2021 articles 19 and 20
07Payments, wires, thresholds, and digital assetsSeparate CDD triggers, declarations and activity-specific licensing.4 عناصر+
Carry required originator and beneficiary information.
- إجراء التنفيذ
- Apply the current sector wire-transfer fields, screening and missing-data procedures.
- الأدلة الواجب الاحتفاظ بها
- Field matrix, payment samples and repair queue.
- المصدر الأساسي
- Applicable CBJ AML/CFT and payment instructions
Do not misstate the JOD 10,000 border declaration as a customer threshold.
- إجراء التنفيذ
- For physical cross-border cash or bearer negotiable instruments over JOD 10,000 or equivalent, support the Customs declaration obligation; keep product CDD thresholds separate.
- الأدلة الواجب الاحتفاظ بها
- Travel/courier controls, declaration and escalation.
- المصدر الأساسي
- Law 20/2021 article 23; Jordan Customs guidance
Obtain payment, transfer or exchange approval.
- إجراء التنفيذ
- Map wallets, acquiring, remittance, exchange and ancillary features to live CBJ licensing and safeguarding requirements.
- الأدلة الواجب الاحتفاظ بها
- Product memo, licence and compliance tests.
- المصدر الأساسي
- Banking Law; Money Exchange Business Law; CBJ instructions
Treat virtual-asset activity as a launch-date perimeter issue.
- إجراء التنفيذ
- Do not rely on the September 2026 draft amendment; obtain written confirmation of the operative licensing and AML treatment before offering a service.
- الأدلة الواجب الاحتفاظ بها
- Current-law memo, authority confirmation and approval.
- المصدر الأساسي
- Law 20/2021; draft 2026 amendment (non-operative)
08Targeted financial sanctionsUse current UN and Jordan designation procedures.3 عناصر+
Screen designations and ownership or control.
- إجراء التنفيذ
- Screen relevant parties at onboarding, transactions and list updates, using current UN and Jordan lists.
- الأدلة الواجب الاحتفاظ بها
- List versions, tests and decisions.
- المصدر الأساسي
- Law 20/2021 article 40; Instructions 1/2021
Freeze without delay and notify through the live route.
- إجراء التنفيذ
- Prevent dealing or asset availability on a confirmed match and make required notifications without prior notice.
- الأدلة الواجب الاحتفاظ بها
- Match analysis, restriction time and notification.
- المصدر الأساسي
- Law 20/2021 article 40; Instructions 1/2021
Use exemptions, delisting or release only under written authority.
- إجراء التنفيذ
- Apply the designation-specific procedure and preserve all conditions and approvals.
- الأدلة الواجب الاحتفاظ بها
- Legal analysis, permission and release record.
- المصدر الأساسي
- Law 20/2021 article 40(f); Instructions 1/2021
09Records and regulator accessRetention triggers differ for transactions and relationships.3 عناصر+
Retain transaction records for at least five years.
- إجراء التنفيذ
- Run the period from completion and preserve enough data to reconstruct individual transactions.
- الأدلة الواجب الاحتفاظ بها
- Schedule, trigger, samples and retrieval test.
- المصدر الأساسي
- Law 20/2021 article 17(a)
Retain CDD, account, correspondence and analysis records for at least five years.
- إجراء التنفيذ
- Run the period from relationship termination or transaction date, whichever is longer, subject to lawful holds.
- الأدلة الواجب الاحتفاظ بها
- Schedule, trigger and deletion approval.
- المصدر الأساسي
- Law 20/2021 article 17(a)
Keep records current and available to competent authorities.
- إجراء التنفيذ
- Maintain controlled access, legal holds and a complete production audit trail.
- الأدلة الواجب الاحتفاظ بها
- Update history, access matrix and production log.
- المصدر الأساسي
- Law 20/2021 article 17(b)
10Privacy, biometrics, breaches, and transfersApply Law 24/2023 and current implementing instruments.3 عناصر+
Map processing conditions, notices and rights.
- إجراء التنفيذ
- Inventory personal and sensitive data, establish a lawful basis or valid consent, provide required information and support data-subject rights.
- الأدلة الواجب الاحتفاظ بها
- Data map, notices, consent and rights log.
- المصدر الأساسي
- Personal Data Protection Law 24/2023 articles 4-7
Apply enhanced governance to sensitive and high-risk processing.
- إجراء التنفيذ
- Assess biometric and financial-data processing, conduct a DPIA where required and appoint an accredited DPO when statutory criteria apply.
- الأدلة الواجب الاحتفاظ بها
- Classification, DPIA, DPO analysis and appointment.
- المصدر الأساسي
- Law 24/2023; PDPD DPIA and DPO guidance
Control processors, security incidents and transfers.
- إجراء التنفيذ
- Contract processors, implement safeguards, assess transfer conditions and make notifications through the current statutory route.
- الأدلة الواجب الاحتفاظ بها
- Contracts, security controls, transfer assessment and incident record.
- المصدر الأساسي
- Law 24/2023 articles 20-23; current regulations
11Practical evidence packsEvidence must reconstruct decisions end to end.3 عناصر+
Maintain an onboarding pack.
- إجراء التنفيذ
- Bundle identity, authority, KYB, BO, PEP, sanctions, purpose, risk, privacy and approvals.
- الأدلة الواجب الاحتفاظ بها
- Complete sample and retrieval result.
- المصدر الأساسي
- Operational control supporting Law 20/2021
Maintain SAR and sanctions case packs.
- إجراء التنفيذ
- Link activity, suspicion time, report, receipt, confidentiality, restrictions and communications.
- الأدلة الواجب الاحتفاظ بها
- Case pack, timeline and access record.
- المصدر الأساسي
- Law 20/2021 articles 18-20 and 40
Maintain a launch and legal-change pack.
- إجراء التنفيذ
- Record perimeter, licences, reporting, sanctions, privacy, vendors, tests and the status of the 2026 draft AML amendment.
- الأدلة الواجب الاحتفاظ بها
- Signed pack, source register and approvals.
- المصدر الأساسي
- Official sources listed below
سجل المصادر الأساسية
17 مصدرًا مستخدمًا في هذه القائمة
استخدم هذه الروابط للتحقق من التشريعات وإرشادات الجهات الرقابية وإجراءات الإبلاغ والبيانات الدولية.
- Anti Money Laundering and Counter Terrorist Financing Law No. 20 of 2021AMLU · Primary legislation - official English translation
- Official Gazette issue 5743Prime Ministry of Jordan · Official gazette
- Reporting-entity obligationsAMLU · Official guidance
- AMLU instructions registerAMLU · Official instructions register
- Suspicious activity reporting FAQ and goAML routeAMLU · Official filing guidance
- High-risk countries and National Committee Decision 2/2026AMLU · Official current guidance
- CBJ AML/CFT instructions registerCentral Bank of Jordan · Official supervisory register
- Electronic KYC Instructions No. 7/2021Central Bank of Jordan · Official supervisory instructions
- Beneficial ownership register guidanceCompanies Control Department · Official registry guidance
- Beneficial ownership official register pageCompanies Control Department · Official registry portal
- Cross-border cash declaration under Law 20/2021Jordan Customs · Official guidance
- Personal Data Protection Law No. 24 of 2023Ministry of Digital Economy and Entrepreneurship · Primary legislation - official translation
- Personal Data Protection Directorate and implementation guidanceMinistry of Digital Economy and Entrepreneurship · Official regulator guidance
- Jordan Follow-Up Report 2025FATF / MENAFATF · Authoritative assessment
- FATF increased monitoring - 19 June 2026FATF · Authoritative current status
- FATF call for action - 19 June 2026FATF · Authoritative current status
- September 2026 draft AML amendment statusJordan News Agency (Petra) · Official news - draft only
إجابات مباشرة
أسئلة KYC وKYB وAML في الأردن
Who receives suspicious activity reports?+
The Anti-Money Laundering and Counter Terrorist Financing Unit receives reports through the prescribed goAML route.
When must a SAR be filed?+
Immediately when suspicion or reasonable grounds arise, including attempted activity and regardless of value.
How long are AML records retained?+
At least five years, with the trigger depending on transaction completion or relationship termination; apply the longer relevant period.
What is Jordan's beneficial-owner threshold?+
Apply Regulation 62/2022 and current CCD guidance, including relevant 20% criteria, but also identify ultimate effective control; a percentage is not a safe harbour.
What is the JOD 10,000 rule?+
It is a declaration rule for physical cross-border cash or bearer negotiable instruments above JOD 10,000 or equivalent, not a universal customer-reporting threshold.
Can onboarding be electronic?+
Yes where the regulated activity and product meet CBJ Instructions 7/2021 and all applicable identity, authentication and risk controls.
Are biometrics sensitive data?+
Yes. Apply Law 24/2023, current implementing instruments, DPIA guidance and any DPO requirements.
Is the September 2026 AML amendment operative?+
No evidence of enactment was found as at 7 October 2026; treat it as a draft and monitor the Official Gazette.
Is Jordan on a FATF public list?+
No at 19 June 2026, but absence is not a low-risk conclusion.
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 7 October 2026. Confirm controlling Arabic text, later Gazette enactments, current sector instructions, AMLU filing specifications, beneficial-owner procedures, sanctions directions, privacy regulations and licensing with the competent authority and qualified Jordan counsel.