نيوزيلندا KYC, KYB & AML compliance checklist
قائمة عملية وموثقة بالمصادر لتنفيذ متطلبات KYC وKYB وAML في نيوزيلندا.
- تاريخ آخر مراجعة
- تاريخ آخر مراجعة:
- الإصدار
- الإصدار 1.0
دليل تنفيذ قابل للتنزيل
الحصول على ملف PDF
11 مجالات رقابية · 39 فحوص تنفيذ
تاريخ آخر مراجعة: 29 September 2026 · الإصدار 1.0
تنزيل قائمة التحققإجابة مباشرة
ما الذي تغطيه قائمة الامتثال الخاصة بـ نيوزيلندا؟
تحوّل قائمة نيوزيلندا قواعد KYC وKYB وAML الأساسية إلى 11 مجالات رقابية و39 فحوص تنفيذ، وتشمل الجهات المختصة وواجبات الإبلاغ والأدلة الواجب الاحتفاظ بها.
حقائق تنظيمية أساسية
- AML/CFT supervisor
- Department of Internal Affairs (single supervisor since 1 July 2026)
- FIU and reporting route
- New Zealand Police FIU through goAML
- SAR timing
- As soon as practicable, but no later than 3 working days after forming suspicion
- Prescribed transactions
- Physical cash NZ$10,000 or more; international wire transfer NZ$1,000 or more
- AML retention
- Generally at least 5 years; the statutory start event depends on record type
- Privacy and biometrics
- Privacy Act 2020 and Biometric Processing Privacy Code 2025, including 2026 amendments
- Payments
- No standalone e-money or payment-service licence; FSPR, dispute-resolution and product-specific duties may apply
- FATF public lists
- Not listed at 19 June 2026
تفاصيل التنفيذ
متطلبات وإجراءات الامتثال في نيوزيلندا
افتح كل مجال لمراجعة المتطلب وإجراء التنفيذ المقترح والأدلة الواجب الاحتفاظ بها والمصدر الأساسي.
01Scope, authorities, and registrationClassify the actual service and New Zealand nexus before assigning controls.3 عناصر+
Determine whether each activity makes the operator a reporting entity.
- إجراء التنفيذ
- Map financial activities, casinos, specified legal, accounting, real-estate, trust-and-company, money-transfer and virtual-asset services to the current Act, regulations, rules, notices and exemptions.
- الأدلة الواجب الاحتفاظ بها
- Entity and service map, funds flows, customer locations, statutory analysis and counsel sign-off.
- المصدر الأساسي
- AML/CFT Act 2009, sections 5-6 and current regulations, rules, notices and exemptions
Apply the post-1 July 2026 single-supervisor model.
- إجراء التنفيذ
- Register or enrol and communicate with DIA as the AML/CFT supervisor; preserve FIU reporting and law-enforcement channels separately.
- الأدلة الواجب الاحتفاظ بها
- DIA enrolment, supervisor correspondence, FIU registration and responsibility matrix.
- المصدر الأساسي
- AML/CFT Act 2009, sections 130-135 as amended; Ministry of Justice 2026 legislative-change guidance
Assess financial-service registration, licensing and dispute-resolution duties separately.
- إجراء التنفيذ
- Map each service to the FSPR and Financial Markets Conduct Act; register and obtain any product-specific licence before service and join an approved dispute-resolution scheme where retail-service rules require it.
- الأدلة الواجب الاحتفاظ بها
- FSPR extract, licence analysis, approvals, scheme membership and conditions register.
- المصدر الأساسي
- Financial Service Providers (Registration and Dispute Resolution) Act 2008; FMA fintech guidance
02Governance and ML/TF risk assessmentThe risk assessment and programme must be specific, current and independently tested.4 عناصر+
Maintain a documented ML/TF risk assessment.
- إجراء التنفيذ
- Assess customers, countries, institutions, products, services, transactions, delivery channels, technology and other prescribed factors; update for material change and new risk information.
- الأدلة الواجب الاحتفاظ بها
- Methodology, current assessment, data sources, approvals, change log and residual-risk decisions.
- المصدر الأساسي
- AML/CFT Act 2009, section 58
Maintain an AML/CFT programme based on the risk assessment.
- إجراء التنفيذ
- Document CDD, monitoring, reporting, record, vetting, training, agent, correspondent, review and escalation controls proportionate to the identified risks.
- الأدلة الواجب الاحتفاظ بها
- Approved programme, control map, procedures, training and issue register.
- المصدر الأساسي
- AML/CFT Act 2009, sections 56-57
Appoint an AML/CFT compliance officer with sufficient access and authority.
- إجراء التنفيذ
- Appoint an eligible employee or senior person, document duties and resources, and ensure governing-body visibility of material risks and breaches.
- الأدلة الواجب الاحتفاظ بها
- Appointment, role description, reporting packs, minutes and escalation records.
- المصدر الأساسي
- AML/CFT Act 2009, section 56
Arrange independent audit at the required risk-based interval.
- إجراء التنفيذ
- Use a suitably qualified person independent of programme establishment, test design and operation, and track findings to verified closure.
- الأدلة الواجب الاحتفاظ بها
- Independence assessment, audit plan, report, response and closure testing.
- المصدر الأساسي
- AML/CFT Act 2009, sections 59-59B
03Natural-person identificationCDD must cover the customer, beneficial owners and persons acting for the customer.4 عناصر+
Apply standard CDD when the statutory circumstances arise.
- إجراء التنفيذ
- Before establishing a business relationship or conducting a covered occasional transaction or activity, obtain required identity, address or registered-office, authority, nature-and-purpose and risk information unless an express timing exception applies.
- الأدلة الواجب الاحتفاظ بها
- CDD record, relationship purpose, risk rating, verification and completion timestamp.
- المصدر الأساسي
- AML/CFT Act 2009, sections 14-17 and 37
Identify and verify individuals using reliable, independent evidence.
- إجراء التنفيذ
- Obtain full name and date of birth and take reasonable risk-based steps to verify identity; use the 2026 Identity Verification Code of Practice as a safe-harbour method only when its conditions are met.
- الأدلة الواجب الاحتفاظ بها
- Identity attributes, source provenance, verification result, exception rationale and fraud checks.
- المصدر الأساسي
- AML/CFT Act 2009, sections 13, 15-16 and 67; DIA Identity Verification Code of Practice 2026
Identify persons acting on behalf and verify authority.
- إجراء التنفيذ
- Identify the representative, establish the relationship to the customer, take risk-based verification steps and validate the mandate before accepting instructions.
- الأدلة الواجب الاحتفاظ بها
- Representative KYC, mandate, authority checks, scope limits and instruction log.
- المصدر الأساسي
- AML/CFT Act 2009, sections 15-16
Do not proceed where required CDD cannot be completed.
- إجراء التنفيذ
- Do not establish the relationship or conduct the transaction or activity; terminate an existing relationship when section 37 requires it and consider a suspicious activity report without tipping off.
- الأدلة الواجب الاحتفاظ بها
- Failure record, restriction or exit decision, SAR assessment and communications review.
- المصدر الأساسي
- AML/CFT Act 2009, section 37
04KYB, registries, and beneficial ownershipRegistry information is an input, not a substitute for understanding natural-person ownership and control.4 عناصر+
Verify the legal person or arrangement and its authority structure.
- إجراء التنفيذ
- Collect current name, legal form, identifier, registered office, governing documents, directors, trustees or partners and reliable registry evidence appropriate to the customer type.
- الأدلة الواجب الاحتفاظ بها
- Companies Register or other extract, constitutional documents, officer list and discrepancy resolution.
- المصدر الأساسي
- AML/CFT Act 2009, sections 15-17; DIA customer-due-diligence guidance
Identify and risk-appropriately verify every beneficial owner.
- إجراء التنفيذ
- Determine the natural persons with effective control or who own a prescribed threshold or more; trace layered, nominee and trust arrangements and apply current DIA beneficial-ownership guidance rather than relying on the register alone.
- الأدلة الواجب الاحتفاظ بها
- Ownership chart, control analysis, source documents, verified identities and rationale.
- المصدر الأساسي
- AML/CFT Act 2009, sections 5, 15-16; DIA Beneficial Ownership Guidance, July 2026
Identify trust and legal-arrangement parties under the applicable CDD level.
- إجراء التنفيذ
- Record trustees, settlors, beneficiaries or classes, protectors, appointors and other controllers required by law and risk; obtain source-of-funds or wealth information where enhanced CDD applies.
- الأدلة الواجب الاحتفاظ بها
- Trust deed, party schedule, powers analysis, verification and source evidence.
- المصدر الأساسي
- AML/CFT Act 2009, sections 22-25; DIA trust and enhanced-CDD guidance
Reconcile company records without treating them as a complete AML ownership register.
- إجراء التنفيذ
- Check directors, shareholders, share parcels and ultimate holding company information; account for the public register's limits and independently resolve ultimate ownership and control.
- الأدلة الواجب الاحتفاظ بها
- Register extracts, company share register, declarations, independent corroboration and discrepancy log.
- المصدر الأساسي
- Companies Act 1993; Companies Office register and annual-return guidance
05PEPs, enhanced due diligence, and remote onboardingApply enhanced measures to statutory triggers and higher-risk relationships.3 عناصر+
Determine whether relevant persons are politically exposed persons.
- إجراء التنفيذ
- Use reasonable risk-based steps to identify applicable foreign PEPs, family members and close associates; obtain senior management approval and source-of-wealth or funds measures where the Act requires them.
- الأدلة الواجب الاحتفاظ بها
- Screening, relationship map, approval, source corroboration and review history.
- المصدر الأساسي
- AML/CFT Act 2009, section 26
Apply enhanced CDD to each statutory trigger.
- إجراء التنفيذ
- For trusts, companies with nominee shareholders or bearer shares, qualifying PEPs, higher-risk countries, unusual activity and other section 22 or 22A cases, obtain and verify the additional information required by the relevant trigger.
- الأدلة الواجب الاحتفاظ بها
- Trigger, additional CDD, source evidence, approval and enhanced monitoring plan.
- المصدر الأساسي
- AML/CFT Act 2009, sections 22-25
Control remote verification and biometric processing.
- إجراء التنفيذ
- Assess impersonation, document authenticity and liveness; before biometric processing document lawful purpose, necessity, effectiveness, safeguards and proportionality, provide required notices and offer alternatives where the Code requires them.
- الأدلة الواجب الاحتفاظ بها
- Method assessment, privacy impact record, notices, alternative path, vendor tests and exception review.
- المصدر الأساسي
- Biometric Processing Privacy Code 2025, rules 1-4; DIA Identity Verification Code of Practice 2026
06Monitoring and suspicious activity reportingOngoing scrutiny and documented suspicion timing drive FIU reporting.4 عناصر+
Conduct ongoing CDD and account monitoring.
- إجراء التنفيذ
- Regularly review relationship information, keep CDD current and examine transactions and activities for consistency with the customer's profile, purpose and risk.
- الأدلة الواجب الاحتفاظ بها
- Monitoring scenarios, alerts, case decisions, refresh records and quality testing.
- المصدر الأساسي
- AML/CFT Act 2009, section 31
Identify the moment reasonable grounds for suspicion arise.
- إجراء التنفيذ
- Assess transactions, proposed transactions, services, attempted activity and other relevant information promptly; record the facts and timestamp without waiting for proof of an offence.
- الأدلة الواجب الاحتفاظ بها
- Alert chronology, information reviewed, suspicion decision and decision-maker.
- المصدر الأساسي
- AML/CFT Act 2009, sections 39A-41
Submit a suspicious activity report to the FIU on time.
- إجراء التنفيذ
- File through goAML as soon as practicable and no later than three working days after forming suspicion; complete required fields and preserve the acknowledgement.
- الأدلة الواجب الاحتفاظ بها
- Suspicion timestamp, SAR, goAML receipt and any correction record.
- المصدر الأساسي
- AML/CFT Act 2009, sections 40-41; New Zealand Police FIU guidance
Protect SAR information and prevent tipping off.
- إجراء التنفيذ
- Restrict SAR content and related information to authorised use and assess any disclosure against the statutory permissions before release.
- الأدلة الواجب الاحتفاظ بها
- Access controls, disclosure register, legal review, training and incident log.
- المصدر الأساسي
- AML/CFT Act 2009, sections 46-47
07Prescribed transactions, wires, and virtual assetsThresholds are report-specific and do not replace suspicious-activity assessment.4 عناصر+
Report prescribed large cash transactions.
- إجراء التنفيذ
- Report a transaction involving NZ$10,000 or more in physical currency, or foreign-currency equivalent, through goAML within the prescribed period and retain the submission trail.
- الأدلة الواجب الاحتفاظ بها
- Cash data, aggregation and conversion logic, PTR and receipt.
- المصدر الأساسي
- AML/CFT Act 2009, sections 48A-48B; Prescribed Transactions Reporting Regulations 2016; FIU PTR guidance
Report prescribed international wire transfers.
- إجراء التنفيذ
- Report an international wire transfer of NZ$1,000 or more, or foreign-currency equivalent, through goAML within the prescribed period; distinguish ordering, intermediary and beneficiary roles.
- الأدلة الواجب الاحتفاظ بها
- Transfer fields, role analysis, currency conversion, PTR and receipt.
- المصدر الأساسي
- AML/CFT Act 2009, sections 48A-48B; Prescribed Transactions Reporting Regulations 2016; FIU PTR guidance
Carry and verify required wire-transfer information.
- إجراء التنفيذ
- Collect, include, retain and review prescribed originator and beneficiary information and apply controls for missing or incomplete data.
- الأدلة الواجب الاحتفاظ بها
- Field matrix, message samples, validation rules, repair queue and dispositions.
- المصدر الأساسي
- AML/CFT Act 2009, sections 27-28; current requirements regulations
Map virtual-asset services to AML and financial-service obligations.
- إجراء التنفيذ
- Treat covered cryptoasset exchange, transfer, custody or related services as likely financial-institution activity; assess DIA supervision, FSPR registration, dispute resolution and any FMC licensing before launch.
- الأدلة الواجب الاحتفاظ بها
- Service and wallet-flow analysis, DIA position, FSPR record, licensing memo and monitoring tests.
- المصدر الأساسي
- AML/CFT Act 2009, section 5 definition of financial institution; FMA cryptoasset-service-provider guidance
08Targeted financial sanctionsSanctions and terrorist-property controls apply separately from AML screening.3 عناصر+
Screen current United Nations, terrorist and New Zealand sanctions designations.
- إجراء التنفيذ
- Screen customers, beneficial owners, controllers, representatives and transactions at onboarding and on list changes; assess ownership and control rather than exact-name matches only.
- الأدلة الواجب الاحتفاظ بها
- List versions, update logs, configuration tests, match analysis and disposition.
- المصدر الأساسي
- United Nations Act 1946; Terrorism Suppression Act 2002; Russia Sanctions Act 2022
Stop prohibited dealings and report terrorist property.
- إجراء التنفيذ
- Do not make property or financial services available contrary to applicable prohibitions; freeze or hold where legally required and promptly use the Police/FIU reporting route for suspicious property or sanctions-related reports.
- الأدلة الواجب الاحتفاظ بها
- Match analysis, restriction timestamp, report, authority correspondence and release approval.
- المصدر الأساسي
- Terrorism Suppression Act 2002, including sections 9-10 and 43; applicable sanctions regulations
Use exemptions, permits or releases only under verified authority.
- إجراء التنفيذ
- Identify the governing sanctions regime, obtain written authority before activity, implement conditions and document expiry, reporting and release decisions.
- الأدلة الواجب الاحتفاظ بها
- Regime analysis, permit or exemption, conditions, monitoring and release record.
- المصدر الأساسي
- Applicable regulations under the United Nations Act 1946 and Russia Sanctions Act 2022
09Records and regulator accessApply the correct five-year trigger to each record class and preserve retrieval.3 عناصر+
Retain transaction records for at least five years from completion.
- إجراء التنفيذ
- Keep records sufficient to reconstruct covered transactions and identify the parties, amounts, dates and nature; apply longer legal holds where required.
- الأدلة الواجب الاحتفاظ بها
- Retention schedule, transaction sample, trigger calculation, legal hold and deletion log.
- المصدر الأساسي
- AML/CFT Act 2009, sections 49 and 52-55
Retain identity and verification records for the statutory period.
- إجراء التنفيذ
- Keep CDD and verification records for at least five years after the end of the business relationship or completion of the occasional transaction or activity, as applicable.
- الأدلة الواجب الاحتفاظ بها
- Relationship-end or completion date, archive sample, retrieval test and deletion approval.
- المصدر الأساسي
- AML/CFT Act 2009, section 50 and sections 52-55
Preserve SAR, programme, risk and audit evidence.
- إجراء التنفيذ
- Keep SAR and prescribed-report material, risk assessments, programmes, audits and supporting records for the applicable statutory periods in readily retrievable form.
- الأدلة الواجب الاحتفاظ بها
- Record-class matrix, access controls, sample case pack and DIA production test.
- المصدر الأساسي
- AML/CFT Act 2009, sections 49A and 51-55
10Privacy, biometrics, and transfersKYC processing must satisfy the Privacy Act and any applicable biometric rule.4 عناصر+
Collect and use identity data for a lawful, necessary purpose.
- إجراء التنفيذ
- Map each data element to a lawful function, collect no more than necessary, give required collection notice, maintain accuracy and restrict later use and disclosure.
- الأدلة الواجب الاحتفاظ بها
- Data inventory, purpose and authority map, notices, access controls and accuracy reviews.
- المصدر الأساسي
- Privacy Act 2020, information privacy principles 1-8 and IPP 3A
Comply with the Biometric Processing Privacy Code.
- إجراء التنفيذ
- Before using automated biometric verification, assess necessity, effectiveness and proportionality, implement privacy safeguards, provide clear notice and control use, disclosure, security, retention and disposal under the Code.
- الأدلة الواجب الاحتفاظ بها
- Biometric assessment, safeguards, notices, alternatives, accuracy tests, vendor review and deletion controls.
- المصدر الأساسي
- Biometric Processing Privacy Code 2025, as amended in 2026
Assess and notify notifiable privacy breaches.
- إجراء التنفيذ
- Contain and assess incidents promptly; notify the Privacy Commissioner and affected people as soon as practicable when serious harm has occurred or is likely, unless a statutory exception applies.
- الأدلة الواجب الاحتفاظ بها
- Incident chronology, harm assessment, notifications, exception analysis and remediation.
- المصدر الأساسي
- Privacy Act 2020, sections 112-122
Control overseas disclosures and processors.
- إجراء التنفيذ
- Before disclosing personal information outside New Zealand, satisfy IPP 12 through comparable safeguards, qualifying recipient status or informed authorisation; contract for security, incidents, return and deletion.
- الأدلة الواجب الاحتفاظ بها
- Transfer map, IPP 12 analysis, contract, recipient diligence and monitoring.
- المصدر الأساسي
- Privacy Act 2020, information privacy principle 12
11Practical evidence packsEvidence should reconstruct onboarding, reporting and launch decisions end to end.3 عناصر+
Maintain a reconstructable onboarding pack.
- إجراء التنفيذ
- Bundle identity, authority, KYB, beneficial ownership, PEP and sanctions results, purpose, risk, privacy records, approvals and exceptions under stable identifiers.
- الأدلة الواجب الاحتفاظ بها
- Complete sampled onboarding pack and retrieval result.
- المصدر الأساسي
- Operational control supporting AML/CFT Act 2009, sections 11-38 and 50
Maintain a reconstructable FIU and sanctions case pack.
- إجراء التنفيذ
- Link activity, alert, suspicion chronology, threshold analysis, submission, acknowledgement, confidentiality, asset restrictions and authority communications.
- الأدلة الواجب الاحتفاظ بها
- Complete sampled case pack, timeline and controlled-access record.
- المصدر الأساسي
- Operational control supporting AML/CFT Act 2009, sections 40-55 and Terrorism Suppression Act 2002
Maintain a launch and change pack.
- إجراء التنفيذ
- Record perimeter, DIA enrolment, FSPR or licensing, approved programme, reporting connectivity, sanctions, privacy, vendors, testing and unresolved uncertainty before launch or material change.
- الأدلة الواجب الاحتفاظ بها
- Signed launch pack, source register, tests, approvals and uncertainty log.
- المصدر الأساسي
- Official sources listed below
سجل المصادر الأساسية
22 مصدرًا مستخدمًا في هذه القائمة
استخدم هذه الروابط للتحقق من التشريعات وإرشادات الجهات الرقابية وإجراءات الإبلاغ والبيانات الدولية.
- Anti-Money Laundering and Countering Financing of Terrorism Act 2009 - current versionNew Zealand Legislation · Primary legislation
- Anti-Money Laundering and Countering Financing of Terrorism (Requirements and Compliance) Regulations 2011New Zealand Legislation · Primary delegated legislation
- Anti-Money Laundering and Countering Financing of Terrorism (Prescribed Transactions Reporting) Regulations 2016New Zealand Legislation · Primary delegated legislation
- 2026 AML/CFT legislative changesMinistry of Justice · Official reform guidance
- AML/CFT guidance library for trust and company service providersDepartment of Internal Affairs · Official supervisor guidance
- AML/CFT frequently asked questionsDepartment of Internal Affairs · Official supervisor guidance
- Identity Verification Code of Practice 2026Department of Internal Affairs · Official code guidance
- New Zealand Financial Intelligence UnitNew Zealand Police · Official FIU guidance
- Prescribed Transactions ReportingNew Zealand Police · Official reporting guidance
- Companies Register search guidanceNew Zealand Companies Office · Official registry guidance
- Companies Register annual-return guidanceNew Zealand Companies Office · Official registry guidance
- Privacy Act 2020 - current versionNew Zealand Legislation · Primary legislation
- Biometric Processing Privacy Code 2025Office of the Privacy Commissioner · Official privacy code
- Terrorism Suppression Act 2002 - current versionNew Zealand Legislation · Primary legislation
- Russia Sanctions Act 2022 - current versionNew Zealand Legislation · Primary legislation
- Fintech regulatory and licensing requirementsFinancial Markets Authority · Official licensing guidance
- Cryptoasset service providersFinancial Markets Authority · Official sector guidance
- E-money and payment service providersFinancial Markets Authority · Official sector guidance
- FATF New Zealand country profile and 2024 follow-upFATF · Authoritative current assessment
- FATF jurisdictions under increased monitoring - 19 June 2026FATF · Authoritative current status
- FATF high-risk jurisdictions subject to a call for action - 19 June 2026FATF · Authoritative current status
- New Zealand flag - use in advertisingManatu Taonga Ministry for Culture and Heritage · Official national-symbol guidance
إجابات مباشرة
أسئلة KYC وKYB وAML في نيوزيلندا
Who supervises AML/CFT compliance?+
Since 1 July 2026, the Department of Internal Affairs is New Zealand's single AML/CFT supervisor. The Police FIU separately receives and analyses reports.
When must a suspicious activity report be filed?+
As soon as practicable, and no later than three working days after the reporting entity forms the relevant suspicion, through the FIU's goAML route.
Which prescribed transactions are threshold-reportable?+
Large physical-cash transactions of NZ$10,000 or more and international wire transfers of NZ$1,000 or more, including foreign-currency equivalents, are prescribed categories. Apply the regulations and FIU filing specifications to the actual transaction.
Is there one universal CDD transaction threshold?+
No. CDD is triggered by the relationship, occasional transaction or activity and statutory risk circumstances. Prescribed-transaction thresholds are separate reporting rules.
How is beneficial ownership determined?+
Identify natural persons who ultimately own or exercise effective control under the Act and current DIA guidance. Companies Register shareholders and ultimate-holding-company fields are evidence inputs, not a complete AML beneficial-ownership determination.
How long are AML/CFT records retained?+
Generally at least five years, but the clock depends on the record: transaction completion, relationship end, occasional transaction or activity completion, or the relevant statutory event.
Do payment or e-money providers need a special licence?+
New Zealand has no standalone e-money or payment-service licence. FSPR registration, dispute-resolution membership, AML/CFT duties and product-specific FMC or prudential requirements may still apply.
Are virtual-asset service providers covered?+
A provider carrying on covered cryptoasset-related financial services will likely be a financial institution under the AML/CFT Act and may need FSPR registration, dispute-resolution membership and product-specific licensing.
What privacy rules apply to facial verification?+
The Privacy Act 2020 and Biometric Processing Privacy Code 2025 apply. The Code requires a documented lawful purpose, necessity, effectiveness, safeguards and proportionality, plus transparency and lifecycle controls.
Is New Zealand on a FATF public list?+
No. New Zealand was absent from both FATF public lists dated 19 June 2026. It remains subject to FATF follow-up and absence from a list 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 regulatory information, not legal advice or a licence determination. Reviewed as applicable on 29 September 2026. Confirm the reporting-entity perimeter, current rules and notices, any exemption, filing specifications, sector licensing, sanctions designation and privacy position with DIA, the FIU and qualified New Zealand counsel before launch.