باراغواي KYC, KYB & AML compliance checklist
قائمة عملية وموثقة بالمصادر لتنفيذ متطلبات KYC وKYB وAML في باراغواي.
- تاريخ آخر مراجعة
- تاريخ آخر مراجعة:
- الإصدار
- الإصدار 1.0
إجابة مباشرة
ما الذي تغطيه قائمة الامتثال الخاصة بـ باراغواي؟
تحوّل قائمة باراغواي قواعد KYC وKYB وAML الأساسية إلى 11 مجالات رقابية و31 فحوص تنفيذ، وتشمل الجهات المختصة وواجبات الإبلاغ والأدلة الواجب الاحتفاظ بها.
حقائق تنظيمية أساسية
- FIU
- SEPRELAD
- Primary framework
- Law 1015/1997 as amended, including Law 6497/2019
- Suspicion reporting
- Completed or attempted suspicious operations, regardless of amount, to SEPRELAD under the applicable sector rule
- Beneficial ownership
- Natural-person ownership or control; Law 6446 administrative registers
- Retention
- Five years after the relationship ends or occasional transaction
- FATF status
- Not named on FATF public lists reviewed 12 August 2026
تفاصيل التنفيذ
متطلبات وإجراءات الامتثال في باراغواي
افتح كل مجال لمراجعة المتطلب وإجراء التنفيذ المقترح والأدلة الواجب الاحتفاظ بها والمصدر الأساسي.
01Scope, authorities, and licensingResolve the exact legal entity, activity and supervisor before applying a sector rule.3 عناصر+
Determine whether each activity is within the reporting-entity sectors in Law 1015.
- إجراء التنفيذ
- Map products, customers and delivery channels to article 13 and the current SEPRELAD or natural-supervisor rule; document uncertain scope.
- الأدلة الواجب الاحتفاظ بها
- Applicability memo, product map and authority or counsel confirmation.
- المصدر الأساسي
- Law 1015 art. 13, as amended by Law 6960
Treat SEPRELAD as the FIU and national AML/CFT application authority.
- إجراء التنفيذ
- Complete applicable registration, nominate authorised users and maintain tested access to the live reporting channel.
- الأدلة الواجب الاحتفاظ بها
- Registration, user approvals, access test and reporting procedure.
- المصدر الأساسي
- Law 1015 arts. 25 and 28, as amended
Obtain authorisation before regulated financial, payment, remittance, credit or virtual-asset activity.
- إجراء التنفيذ
- Classify the model with BCP, SEPRELAD and any other competent supervisor and secure required licences or registrations before launch.
- الأدلة الواجب الاحتفاظ بها
- Perimeter analysis, authority correspondence and licence register.
- المصدر الأساسي
- Law 1015 art. 13; applicable sector legislation
02Governance and risk assessmentGovernance must reflect the entity's sector, products, customers, channels and geography.2 عناصر+
Maintain written risk-based AML/CFT/CPF policies and controls.
- إجراء التنفيذ
- Approve risk assessment, CDD, monitoring, reporting, sanctions, training, audit and remediation arrangements and update them for legal change.
- الأدلة الواجب الاحتفاظ بها
- Board approvals, manual, risk assessment, testing and remediation log.
- المصدر الأساسي
- Law 1015 arts. 15-16 and 21, as amended by Law 6497
Designate an empowered compliance officer when required by the applicable rule.
- إجراء التنفيذ
- Verify eligibility, independence, access, resources and any registration or approval requirement for the sector.
- الأدلة الواجب الاحتفاظ بها
- Appointment, role profile, authority filing and board minutes.
- المصدر الأساسي
- Law 1015 art. 35; applicable SEPRELAD sector resolution
03Natural-person identificationCDD must use reliable independent documents, data or information.3 عناصر+
Identify and verify the customer and understand the relationship purpose.
- إجراء التنفيذ
- Collect identity, address, activity, purpose and expected activity; authenticate evidence before service where required.
- الأدلة الواجب الاحتفاظ بها
- Identity file, verification output, profile and approval.
- المصدر الأساسي
- Law 1015 art. 15, as amended by Law 6497
Identify the person acting for a customer and verify authority.
- إجراء التنفيذ
- Verify the representative and customer, authenticate powers and resolve discrepancies.
- الأدلة الواجب الاحتفاظ بها
- Identity results, power, registry evidence and approval.
- المصدر الأساسي
- Law 1015 arts. 15-16
Do not start or continue when required CDD cannot be completed.
- إجراء التنفيذ
- Refuse the operation or relationship, document the decision and assess a confidential ROS without tipping off.
- الأدلة الواجب الاحتفاظ بها
- Decline or exit record, investigation and ROS decision.
- المصدر الأساسي
- Law 1015 art. 15, as amended by Law 6497
04KYB, registries, and beneficial ownershipRegistry evidence supports but does not replace independent ownership and control analysis.4 عناصر+
Verify legal existence, purpose, address, governance and authority.
- إجراء التنفيذ
- Obtain current registry, constitutive, tax, director, signatory and power evidence.
- الأدلة الواجب الاحتفاظ بها
- Registry extract, constitutive documents, RUC evidence and powers.
- المصدر الأساسي
- Law 1015 arts. 15-16; Law 6446
Identify and reasonably verify the natural-person beneficial owner.
- إجراء التنفيذ
- Trace every ownership and control layer and apply the Law 6446 ownership, voting, benefit, appointment and other-control conditions without collapsing them into one test.
- الأدلة الواجب الاحتفاظ بها
- Ownership chart, source records, control analysis and verified identities.
- المصدر الأساسي
- Law 1015 arts. 15-16; Law 6446
Confirm required communications to the administrative legal-person and beneficial-owner registers.
- إجراء التنفيذ
- Obtain current SIARA evidence, monitor changes and annual confirmation duties, and escalate discrepancies.
- الأدلة الواجب الاحتفاظ بها
- Registry communications, receipts, refresh log and discrepancy decision.
- المصدر الأساسي
- Law 6446; current MEF/DGPEJBF rules
Use beneficial-owner information only through authorised access.
- إجراء التنفيذ
- Record the legal basis for registry access and do not describe the detailed register as an unrestricted public database.
- الأدلة الواجب الاحتفاظ بها
- Access approval, query log and customer evidence.
- المصدر الأساسي
- Law 6446 arts. 8-10; Decree 3241/2020
05PEPs, EDD, and remote onboardingHigher risk requires enhanced evidence and oversight.2 عناصر+
Detect PEPs and apply enhanced measures under the current sector rule.
- إجراء التنفيذ
- Screen customers, beneficial owners and connected persons; obtain senior approval, source-of-wealth and source-of-funds evidence and enhanced monitoring where required.
- الأدلة الواجب الاحتفاظ بها
- Screening, match decision, approval, provenance and monitoring plan.
- المصدر الأساسي
- Law 1015 arts. 15-16; applicable SEPRELAD sector resolution
Control non-face-to-face onboarding risk.
- إجراء التنفيذ
- Use proportionate authentication, liveness, device, fraud and exception controls and validate their effectiveness.
- الأدلة الواجب الاحتفاظ بها
- Remote-onboarding assessment, test results and exceptions.
- المصدر الأساسي
- Law 1015 arts. 15-16; applicable sector rule
06Monitoring and suspicious reportingSuspicion is independent of amount and reporting is confidential.3 عناصر+
Monitor transactions against the customer's profile.
- إجراء التنفيذ
- Detect and investigate unusual, complex, linked and attempted activity and preserve a reasoned conclusion.
- الأدلة الواجب الاحتفاظ بها
- Alerts, investigation, disposition and rule governance.
- المصدر الأساسي
- Law 1015 arts. 15, 17 and 19
Report completed or attempted suspicious operations to SEPRELAD regardless of amount.
- إجراء التنفيذ
- Apply the live sector analysis and filing timetable and submit through SIRO or the prescribed channel with supporting information.
- الأدلة الواجب الاحتفاظ بها
- ROS decision, chronology, submission and acknowledgement.
- المصدر الأساسي
- Law 1015 art. 19, as amended by Law 6497; applicable sector resolution
Prevent tipping off and protect ROS confidentiality.
- إجراء التنفيذ
- Restrict access, exclude ROS information from customer disclosures and train staff and providers.
- الأدلة الواجب الاحتفاظ بها
- Access logs, procedure and training.
- المصدر الأساسي
- Law 1015 arts. 19-20 and 32
07Payments, wires, thresholds, and agentsObjective reports, thresholds and deadlines are sector-specific.3 عناصر+
Configure only the objective reports applicable to the entity's current rule.
- إجراء التنفيذ
- Confirm amount, currency, aggregation, period, negative-report duty and deadline from the current resolution before configuration.
- الأدلة الواجب الاحتفاظ بها
- Rule copy, mapping, tests and receipts.
- المصدر الأساسي
- Applicable SEPRELAD sector resolution and SIRO manual
Preserve originator and beneficiary traceability for transfers.
- إجراء التنفيذ
- Validate required data and apply risk-based reject, suspend or escalation rules for missing information.
- الأدلة الواجب الاحتفاظ بها
- Payment message, validation and exception decision.
- المصدر الأساسي
- Law 1015 arts. 17-18; applicable BCP/SEPRELAD rule
Retain accountability for agents and outsourced providers.
- إجراء التنفيذ
- Perform diligence, contract for security and record access, monitor performance and test retrieval.
- الأدلة الواجب الاحتفاظ بها
- Due diligence, contract, monitoring and retrieval test.
- المصدر الأساسي
- Law 1015 arts. 15-18 and 21
08Targeted financial sanctionsScreening must lead to the statutory immobilisation and reporting process.3 عناصر+
Screen applicable UN sanctions designations and national notices.
- إجراء التنفيذ
- Screen customers, beneficial owners, counterparties and transactions on onboarding, list updates and before execution.
- الأدلة الواجب الاحتفاظ بها
- List source, update log, match logic and dispositions.
- المصدر الأساسي
- Law 6419 arts. 1-2
Immobilise covered funds or assets without delay and communicate immediately to SEPRELAD.
- إجراء التنفيذ
- Prevent movement or availability, identify all assets and report the match, reasons and action timestamps through the prescribed route.
- الأدلة الواجب الاحتفاظ بها
- Match file, freeze timestamp, asset inventory and SEPRELAD communication.
- المصدر الأساسي
- Law 6419 art. 3
Release only under a legally sufficient authority process.
- إجراء التنفيذ
- Document false-positive, exclusion or delisting analysis and authenticate the release instruction.
- الأدلة الواجب الاحتفاظ بها
- Authority decision and controlled release approval.
- المصدر الأساسي
- Law 6419
09Records and regulator accessRecords must reconstruct customers, operations, analyses and reports.3 عناصر+
Retain operation records for five years from the operation or relationship end, as applicable.
- إجراء التنفيذ
- Preserve complete transaction records in retrievable form and document the retention trigger.
- الأدلة الواجب الاحتفاظ بها
- Schedule, archive sample and deletion control.
- المصدر الأساسي
- Law 1015 art. 18, as amended by Law 6497
Retain CDD, files, correspondence and analysis for five years after relationship end or occasional transaction.
- إجراء التنفيذ
- Link identity, ownership, monitoring and reporting support under stable identifiers.
- الأدلة الواجب الاحتفاظ بها
- CDD archive, case files and retrieval test.
- المصدر الأساسي
- Law 1015 art. 18, as amended by Law 6497
Respond to lawful SEPRELAD and supervisor requests.
- إجراء التنفيذ
- Authenticate the request, preserve confidentiality, collect reproducibly and log production and receipt.
- الأدلة الواجب الاحتفاظ بها
- Request, legal review, production index and acknowledgement.
- المصدر الأساسي
- Law 1015 art. 22
10Privacy, biometrics, and transfersLaw 7593/2025 supplies the general data-protection framework alongside sector secrecy and AML duties.3 عناصر+
Process personal data on a documented legal basis and for defined purposes.
- إجراء التنفيذ
- Map notices, rights, minimisation, security, retention and AML disclosure bases; record the legal applicability date.
- الأدلة الواجب الاحتفاظ بها
- Data inventory, notices, legal-basis record and rights procedure.
- المصدر الأساسي
- Law 7593/2025
Apply enhanced controls to sensitive and biometric data and transfers.
- إجراء التنفيذ
- Minimise collection, restrict access, perform a risk assessment and confirm current implementing requirements with the National Personal Data Protection Agency.
- الأدلة الواجب الاحتفاظ بها
- Impact assessment, access controls, transfer analysis and authority check.
- المصدر الأساسي
- Law 7593/2025
Apply the separate credit-data regime where relevant.
- إجراء التنفيذ
- Map Law 6534 rights, security and retention rules and BCP supervision to credit-data processing.
- الأدلة الواجب الاحتفاظ بها
- Credit-data inventory, rights workflow and retention rule.
- المصدر الأساسي
- Law 6534/2020
11Practical evidence packsKeep concise packs that let a reviewer reproduce each decision.2 عناصر+
Maintain a reconstructable onboarding pack.
- إجراء التنفيذ
- Bundle identity, KYB, beneficial ownership, screening, risk, approvals and exceptions.
- الأدلة الواجب الاحتفاظ بها
- Complete sampled onboarding pack.
- المصدر الأساسي
- Operational control supporting Law 1015 arts. 15-18
Maintain a reconstructable monitoring and reporting pack.
- إجراء التنفيذ
- Link transactions, alerts, analysis, approvals, submissions and post-filing controls while protecting confidentiality.
- الأدلة الواجب الاحتفاظ بها
- Complete sampled case pack and access log.
- المصدر الأساسي
- Operational control supporting Law 1015 arts. 19-22
سجل المصادر الأساسية
12 مصدرًا مستخدمًا في هذه القائمة
استخدم هذه الروابط للتحقق من التشريعات وإرشادات الجهات الرقابية وإجراءات الإبلاغ والبيانات الدولية.
- Consolidated Law 1015/1997 - current AML frameworkSEPRELAD · Primary legislation - consolidated
- Law 6497/2019 - principal preventive-framework amendmentsSEPRELAD · Primary legislation
- SEPRELAD frequently asked questionsSEPRELAD · Official FIU guidance
- SEPRELAD resolutions inventorySEPRELAD · Official regulatory inventory
- Law 6419 - targeted financial sanctionsCongressional legal database · Primary legislation
- Law 6446 - legal-person and beneficial-owner registersCongressional legal database · Primary legislation
- DGPEJBF registry authority and current legal inventoryMinistry of Economy and Finance · Official registry authority
- Law 7593/2025 - general personal-data protectionCongressional legal database · Primary legislation
- Law 6534 - personal credit-data protectionCongressional legal database · Primary legislation
- Banco Central del ParaguayBCP · Official financial supervisor
- FATF Paraguay mutual-evaluation pageFATF · Authoritative country assessment
- FATF black and grey listsFATF · Authoritative current status
إجابات مباشرة
أسئلة KYC وKYB وAML في باراغواي
Who receives suspicious-operation reports in Paraguay?+
SEPRELAD, through SIRO or the reporting channel prescribed for the obliged entity.
When is a ROS filed?+
Law 1015 covers completed or attempted suspicious activity regardless of amount. The analysis and filing timetable is sector-specific, so apply the current SEPRELAD resolution.
Is there one universal objective-report threshold?+
No. Report types, thresholds, aggregation periods, deadlines and negative-report duties vary by sector and current resolution.
How long are AML records retained?+
Five years, calculated from the operation, relationship end or occasional transaction as specified by article 18.
Is beneficial ownership only a registry check?+
No. Reporting entities must identify and reasonably verify natural-person ownership or control; registry evidence supports but does not replace CDD.
What happens on a sanctions match?+
A covered reporting entity must immobilise the funds or assets without delay and communicate immediately to SEPRELAD under Law 6419.
Does Paraguay have a general data-protection law?+
Yes. Law 7593/2025 establishes the general regime and national authority; confirm implementation and sector overlays for the planned processing.
Is Paraguay on a FATF public list?+
Paraguay was not named on the FATF public lists reviewed 12 August 2026. Recheck the live lists 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 and legally scoped as applicable on 12 August 2026. Confirm the entity, activity, current sector resolution, SIRO filing specification, objective-report threshold, beneficial-owner access, sanctions procedure, Law 7593 implementation and product licensing with SEPRELAD, the competent supervisor and qualified Paraguayan counsel before launch.