جزر المالديف KYC, KYB & AML compliance checklist
قائمة عملية وموثقة بالمصادر لتنفيذ متطلبات KYC وKYB وAML في جزر المالديف.
- 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: 13 November 2026 · الإصدار 1.0
تنزيل قائمة التحققإجابة مباشرة
ما الذي تغطيه قائمة الامتثال الخاصة بـ جزر المالديف؟
تحوّل قائمة جزر المالديف 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
- Prevention of Money Laundering and Financing of Terrorism Act 10/2014
- FIU
- Financial Intelligence Unit of the Maldives, within MMA
- Suspicious reporting
- As soon as practicable; no later than 3 working days
- Cash reports
- Current MMA-prescribed threshold; linked transactions aggregate
- International transfers
- Report under section 41 and current FIU procedure
- Records
- 5 years under the statutory trigger
- Data protection
- Data Protection Bill remained in committee at review date
- FATF status
- Not on FATF public lists at 30 October 2026
تفاصيل التنفيذ
متطلبات وإجراءات الامتثال في جزر المالديف
افتح كل مجال لمراجعة المتطلب وإجراء التنفيذ المقترح والأدلة الواجب الاحتفاظ بها والمصدر الأساسي.
01Scope, authorities, and licensingClassify every service and reporting-entity role before launch.3 عناصر+
Determine whether each activity falls within the reporting-entity perimeter.
- إجراء التنفيذ
- Map banking, insurance, securities, money or value transfer, foreign exchange, real estate, precious-metals, legal, accounting, trust/company-service, gaming and other designated activities to the current law and sector rules.
- الأدلة الواجب الاحتفاظ بها
- Perimeter memo, activity map and dated authority sources.
- المصدر الأساسي
- PMLFT Act 10/2014, sections 3 and 4 and definition of Reporting Entities
Obtain required licences and approvals.
- إجراء التنفيذ
- Confirm the MMA, CMDA, Ministry of Economic Development and Trade or other competent-authority route before offering a regulated financial, payment, securities, insurance or business service.
- الأدلة الواجب الاحتفاظ بها
- Licence matrix, decisions, conditions and renewal calendar.
- المصدر الأساسي
- Applicable sector law; National Payment System Act 8/2021
Maintain FIU and supervisor reporting access.
- إجراء التنفيذ
- Keep current filing credentials, reporting forms and escalation contacts for every regulated activity.
- الأدلة الواجب الاحتفاظ بها
- Registration evidence, access review and authority directory.
- المصدر الأساسي
- PMLFT Act, sections 27-35 and 39-41
02Governance and risk assessmentControls must be governed, risk-based and independently tested.3 عناصر+
Assess institutional ML/TF/PF risk.
- إجراء التنفيذ
- Assess customers, geographies, products, channels, transactions, technology, agents and delivery methods and refresh after material change.
- الأدلة الواجب الاحتفاظ بها
- Methodology, assessment, approval and remediation log.
- المصدر الأساسي
- PMLFT Act, sections 19 and 21; applicable sector regulation
Maintain an AML/CFT programme.
- إجراء التنفيذ
- Document policies, employee screening, management-level compliance, training, escalation and internal audit proportionate to risk.
- الأدلة الواجب الاحتفاظ بها
- Programme, appointment, training and audit reports.
- المصدر الأساسي
- PMLFT Act, section 21
Control branches, agents and outsourced providers.
- إجراء التنفيذ
- Apply lawful group standards, due diligence, contractual controls, monitoring and escalation to branches, agents and material vendors.
- الأدلة الواجب الاحتفاظ بها
- Group standard, agent register, contracts and testing.
- المصدر الأساسي
- PMLFT Act, section 22; applicable sector rules
03Natural-person identificationCDD applies at relationship opening and each statutory or regulatory trigger.4 عناصر+
Identify and verify customers and principals.
- إجراء التنفيذ
- Obtain required name, address, birth, national ID, work-permit or passport information and verify it using reliable independent evidence.
- الأدلة الواجب الاحتفاظ بها
- Identity record, verification result and provenance.
- المصدر الأساسي
- PMLFT Act, section 16(a)-(c)
Apply CDD at all triggers.
- إجراء التنفيذ
- Apply CDD at relationship opening, the current occasional-transaction threshold, domestic or international funds transfer, suspicion, or doubt about prior identification data.
- الأدلة الواجب الاحتفاظ بها
- Dated trigger table, decision and CDD file.
- المصدر الأساسي
- PMLFT Act, section 16(a)
Understand purpose and monitor continuously.
- إجراء التنفيذ
- Record purpose and intended nature, maintain a risk profile, scrutinize activity and keep information current.
- الأدلة الواجب الاحتفاظ بها
- Profile, risk decision, alerts and refresh history.
- المصدر الأساسي
- PMLFT Act, sections 16(b) and 16(h)
Control failed CDD.
- إجراء التنفيذ
- Do not establish or maintain the relationship when required CDD cannot be completed and consider an FIU report.
- الأدلة الواجب الاحتفاظ بها
- Failure record, disposition and reporting assessment.
- المصدر الأساسي
- PMLFT Act, section 16(l)
04KYB, representatives, and beneficial ownershipVerify legal existence, authority, ownership and actual control.4 عناصر+
Verify legal persons and arrangements.
- إجراء التنفيذ
- Obtain current incorporation, legal form, constitutional, address, director, registration and business evidence; for trusts identify the settlor, trustees and beneficiaries.
- الأدلة الواجب الاحتفاظ بها
- Registry evidence, documents and independent checks.
- المصدر الأساسي
- PMLFT Act, sections 16(d)-(e); Companies Act 7/2023
Identify and verify beneficial owners.
- إجراء التنفيذ
- Identify the natural person with controlling interest and the natural person who manages the legal person; apply any more specific current sector test.
- الأدلة الواجب الاحتفاظ بها
- Ownership chart, control analysis and verified identities.
- المصدر الأساسي
- PMLFT Act, section 16(f)
Verify persons acting for customers.
- إجراء التنفيذ
- Establish whether the customer acts for another person and identify and verify that person and the mandate.
- الأدلة الواجب الاحتفاظ بها
- Representative KYC, authority and mandate checks.
- المصدر الأساسي
- PMLFT Act, section 16(g)
Reconcile registry and customer information.
- إجراء التنفيذ
- Compare Business Portal and registrar data with customer evidence and resolve discrepancies without relying solely on self-declaration.
- الأدلة الواجب الاحتفاظ بها
- Registry result and discrepancy record.
- المصدر الأساسي
- Companies Act 7/2023; Ministry company-registration services
05PEPs, EDD, and remote onboardingHigher-risk and non-face-to-face relationships require enhanced controls.3 عناصر+
Identify PEPs and apply enhanced measures.
- إجراء التنفيذ
- Determine whether customers or beneficial owners are PEPs, obtain senior-management approval, establish source of wealth and funds, and strengthen ongoing monitoring.
- الأدلة الواجب الاحتفاظ بها
- Screening, classification, approval and corroboration.
- المصدر الأساسي
- PMLFT Act, section 16(j)
Apply enhanced due diligence to higher risk.
- إجراء التنفيذ
- Collect additional identity, ownership, purpose, source and transaction evidence and intensify monitoring based on documented risk.
- الأدلة الواجب الاحتفاظ بها
- EDD checklist, approval and monitoring plan.
- المصدر الأساسي
- PMLFT Act, sections 16(h), 19 and applicable sector guidance
Mitigate non-face-to-face risk.
- إجراء التنفيذ
- Use approved methods and additional identity, fraud, device, session and monitoring controls where the customer is not physically present.
- الأدلة الواجب الاحتفاظ بها
- Method assessment, session record and tests.
- المصدر الأساسي
- PMLFT Act, section 16(i)
06Monitoring and suspicious reportingDetection and filing must preserve the statutory clock and confidentiality.4 عناصر+
Examine unusual activity.
- إجراء التنفيذ
- Examine complex, unusual large and unusual-pattern transactions lacking apparent economic or lawful purpose and document parties and findings.
- الأدلة الواجب الاحتفاظ بها
- Alerts, analysis, supporting material and decision.
- المصدر الأساسي
- PMLFT Act, section 19
Report suspicion to the FIU.
- إجراء التنفيذ
- File as soon as practicable and no later than three working days after forming suspicion or grounds to suspect proceeds of crime, money laundering or terrorist financing.
- الأدلة الواجب الاحتفاظ بها
- Trigger timestamp, analysis, report, receipt and chronology.
- المصدر الأساسي
- PMLFT Act, section 39(a)
Follow FIU instructions on suspected transactions.
- إجراء التنفيذ
- Notify the FIU and follow its direction; preserve the section 42 exception and immediate-afterwards notification where delay is impossible or would frustrate beneficiary identification.
- الأدلة الواجب الاحتفاظ بها
- Notification, instruction, execution decision and timestamps.
- المصدر الأساسي
- PMLFT Act, section 42
Prevent tipping off.
- إجراء التنفيذ
- Restrict access and communications about FIU information, reports and investigations.
- الأدلة الواجب الاحتفاظ بها
- Access logs, confidentiality controls and training.
- المصدر الأساسي
- PMLFT Act, section 43
07Thresholds, transfers, and paymentsUse current MMA/FIU specifications rather than assuming one universal operating threshold.4 عناصر+
Configure cash reporting at the current prescribed threshold.
- إجراء التنفيذ
- Use the current MMA amount, aggregate linked transactions and submit in the FIU-prescribed procedure and form.
- الأدلة الواجب الاحتفاظ بها
- Dated threshold table, aggregation tests, reports and receipts.
- المصدر الأساسي
- PMLFT Act, section 40
Report international funds transfers.
- إجراء التنفيذ
- Detect single and apparently linked international funds transfers and report them under the current FIU procedure.
- الأدلة الواجب الاحتفاظ بها
- Detection logic, report, receipt and reconciliation.
- المصدر الأساسي
- PMLFT Act, section 41
Carry required wire-transfer information.
- إجراء التنفيذ
- Capture required originator information, identify missing information, obtain repairs, and reject and report where the statutory conditions require.
- الأدلة الواجب الاحتفاظ بها
- Field matrix, samples, repair queue and decisions.
- المصدر الأساسي
- PMLFT Act, section 18
Obtain payment authorization before launch.
- إجراء التنفيذ
- Classify the service and obtain every applicable MMA authorization under the current national payment-system framework.
- الأدلة الواجب الاحتفاظ بها
- Product memo, MMA decision and conditions.
- المصدر الأساسي
- National Payment System Act 8/2021; MMA payment-system materials
08Targeted financial sanctions and CPFUse current UN and Maldivian instructions and act without delay when required.3 عناصر+
Screen current designations.
- إجراء التنفيذ
- Screen customers, beneficial owners, representatives and transactions at onboarding, on list updates and throughout the relationship.
- الأدلة الواجب الاحتفاظ بها
- List version, screening logs and match decisions.
- المصدر الأساسي
- PMLFT Act, section 52; current FIU/MMA instructions
Freeze and report under operative instructions.
- إجراء التنفيذ
- Immediately freeze funds or property upon the competent FIU instruction and report linked funds or property without delay.
- الأدلة الواجب الاحتفاظ بها
- Instruction, freeze timestamp, inventory and report.
- المصدر الأساسي
- PMLFT Act, section 52(c)-(e)
Control release and false positives.
- إجراء التنفيذ
- Release or permit access only on documented competent-authority direction and preserve match-resolution evidence.
- الأدلة الواجب الاحتفاظ بها
- Authority decision, rationale and release record.
- المصدر الأساسي
- Current Maldivian targeted-sanctions procedures
09Records and authority accessRecords must reconstruct identities, decisions and transactions.3 عناصر+
Retain identity and relationship records.
- إجراء التنفيذ
- Retain customer, beneficial-owner, agent, account and correspondence records for at least five years after the relationship ends.
- الأدلة الواجب الاحتفاظ بها
- Retention schedule, archive and retrieval test.
- المصدر الأساسي
- PMLFT Act, section 20(a)
Retain transaction reconstruction records.
- إجراء التنفيذ
- Keep sufficient transaction information for at least five years from the transaction date.
- الأدلة الواجب الاحتفاظ بها
- Transaction archive and reconstruction test.
- المصدر الأساسي
- PMLFT Act, section 20(b)
Produce information lawfully to authorities.
- إجراء التنفيذ
- Operate controlled retrieval and disclosure workflows for the FIU, supervisors, investigators and law enforcement.
- الأدلة الواجب الاحتفاظ بها
- Request log, approval, production and receipt.
- المصدر الأساسي
- PMLFT Act, sections 19(b), 20 and 28
10Data governance, biometrics, incidents, and transfersApply existing confidentiality, sector and constitutional duties while the general Data Protection Bill remains pending.3 عناصر+
Map lawful collection and disclosure.
- إجراء التنفيذ
- Document AML and sector duties, customer notice, purpose, access and authorized disclosure for identity, financial and other personal information.
- الأدلة الواجب الاحتفاظ بها
- Data inventory, notice, legal basis and disclosure log.
- المصدر الأساسي
- PMLFT Act confidentiality provisions; applicable sector law
Protect identity and biometric information.
- إجراء التنفيذ
- Minimize collection, restrict access, secure storage and transmission, and assess vendors handling identity, biometric or financial data.
- الأدلة الواجب الاحتفاظ بها
- Security assessment, access logs, contracts and tests.
- المصدر الأساسي
- Applicable MMA cybersecurity and confidentiality requirements
Track the pending Data Protection Bill.
- إجراء التنفيذ
- Do not present the bill as enacted; monitor passage and commencement and complete a gap assessment before it takes effect.
- الأدلة الواجب الاحتفاظ بها
- Legal-change log, bill status and implementation plan.
- المصدر الأساسي
- People's Majlis, Data Protection Bill 20/2026/B-13
11Practical evidence packsEvidence must reconstruct decisions end to end.3 عناصر+
Maintain an onboarding evidence pack.
- إجراء التنفيذ
- Bundle identity, authority, KYB, beneficial ownership, PEP, sanctions, purpose, risk and approvals.
- الأدلة الواجب الاحتفاظ بها
- Complete sample and retrieval result.
- المصدر الأساسي
- Operational control supporting PMLFT Act section 16
Maintain reporting and sanctions case packs.
- إجراء التنفيذ
- Link trigger, analysis, decision time, filing, receipt, FIU instruction, freeze and confidentiality evidence.
- الأدلة الواجب الاحتفاظ بها
- Case pack, timeline and access record.
- المصدر الأساسي
- PMLFT Act, sections 39-43 and 52
Maintain a launch and legal-change pack.
- إجراء التنفيذ
- Record perimeter, licences, thresholds, reporting, sanctions, data governance, 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
12 مصدرًا مستخدمًا في هذه القائمة
استخدم هذه الروابط للتحقق من التشريعات وإرشادات الجهات الرقابية وإجراءات الإبلاغ والبيانات الدولية.
- Prevention of Money Laundering and Financing of Terrorism Act 10/2014 - EnglishMaldives Monetary Authority · Primary legislation - official translation
- Financial Intelligence Unit official pageMaldives Monetary Authority · Official authority page
- Guidelines for Financial Institutions to Identify Suspicious ActivitiesMaldives Monetary Authority / FIU · Official FIU guidance
- Financial Intelligence Unit Annual Report 2023Maldives Monetary Authority / FIU · Official FIU report
- National Payment System Act 8/2021People's Majlis · Primary legislation
- Companies Act 7/2023 and current company regulationsMinistry of Economic Development, Transport and Trade · Primary legislation and official index
- Business PortalMinistry of Economic Development, Transport and Trade · Official company and business service
- Data Protection Bill 20/2026/B-13People's Majlis · Official bill status - not enacted at review date
- Regulation on Prevention of Money Laundering and Financing of Terrorism for Securities Related BusinessesCapital Market Development Authority · Official sector regulation index
- Maldives AML/CFT Mutual Evaluation Report 2025Asia/Pacific Group on Money Laundering · Authoritative mutual evaluation
- FATF increased-monitoring statement - October 2026FATF · Authoritative current public-list status
- FATF high-risk jurisdictions statement - October 2026FATF · Authoritative current public-list status
إجابات مباشرة
أسئلة KYC وKYB وAML في جزر المالديف
Who receives suspicious and transaction reports?+
The Financial Intelligence Unit of the Maldives receives reports in the procedure and form it prescribes.
When is a suspicious transaction report due?+
As soon as practicable and no later than three working days after forming suspicion or grounds for suspicion under section 39(a).
What cash threshold applies?+
Use the current amount prescribed by MMA regulation and aggregate transactions that appear linked; this checklist does not invent a universal amount.
How should beneficial ownership be determined?+
Identify and reasonably verify the natural person with a controlling interest and the natural person who manages the legal person, plus any more specific current sector test.
How long are AML records retained?+
Identity and relationship records are kept at least five years after the relationship ends; transaction reconstruction records are kept at least five years from the transaction date.
Is there a general enacted data-protection law?+
The Data Protection Bill remained at committee stage on 13 November 2026; existing confidentiality, sector and constitutional duties still require implementation controls.
Is Maldives on a FATF public list?+
No. Maldives was not named in the FATF high-risk or increased-monitoring statements dated 30 October 2026.
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 13 November 2026. Confirm the controlling Dhivehi text, amendments, current sector regulation, FIU filing specifications, sanctions instructions, licensing conditions, company-register data and privacy requirements with the competent authority and qualified Maldivian counsel.