سيشل KYC, KYB & AML compliance checklist
قائمة عملية وموثقة بالمصادر لتنفيذ متطلبات KYC وKYB وAML في سيشل.
- تاريخ آخر مراجعة
- تاريخ آخر مراجعة:
- الإصدار
- الإصدار 1.0
إجابة مباشرة
ما الذي تغطيه قائمة الامتثال الخاصة بـ سيشل؟
تحوّل قائمة سيشل قواعد KYC وKYB وAML الأساسية إلى 11 مجالات رقابية و34 فحوص تنفيذ، وتشمل الجهات المختصة وواجبات الإبلاغ والأدلة الواجب الاحتفاظ بها.
حقائق تنظيمية أساسية
- Primary AML/CFT law
- AML/CFT Act 2020, revised to 17 January 2025
- Financial intelligence unit
- Seychelles Financial Intelligence Unit
- STR timing
- Within two business days of suspicion, grounds or information
- One-off CDD threshold
- Above SCR 50,000 in cash or wire transfers, including linked operations
- Cash and wire reports
- SCR 50,000 or more, subject to the exact Schedule 3 scope
- Core AML retention
- Minimum seven years; specified sectors retain digital records for 30 years
- Beneficial ownership
- 10% ownership/control plus control, board-appointment and fallback tests
- Privacy breach notice
- Information Commission within 72 hours; delayed notices need reasons
- VASP perimeter
- FSA licence required for in-scope services under the VASP Act 2024
- FATF public lists
- Not named in the June 2026 public statements
تفاصيل التنفيذ
متطلبات وإجراءات الامتثال في سيشل
افتح كل مجال لمراجعة المتطلب وإجراء التنفيذ المقترح والأدلة الواجب الاحتفاظ بها والمصدر الأساسي.
01Scope, authorities and regulated activitiesResolve entity, activity and supervisor scope before launch.3 عناصر+
Financial institutions, VASPs and listed non-financial businesses and professions may be reporting entities.
- إجراء التنفيذ
- Map each entity, product, profession, branch, agent and outsourced service to the Act's reporting-entity definition and supervisory allocation.
- الأدلة الواجب الاحتفاظ بها
- Perimeter memorandum, entity-product map, licences and supervisor confirmation.
- المصدر الأساسي
- AML/CFT Act 2020, s.2 and First Schedule, as revised
The FIU receives and analyses reports and may request records; CBS and FSA supervise activities within their statutory remits.
- إجراء التنفيذ
- Register compliance contacts and obtain the current reporting and supervisory instructions for each entity.
- الأدلة الواجب الاحتفاظ بها
- FIU access, correspondence, supervisor register and regulatory calendar.
- المصدر الأساسي
- AML/CFT Act 2020, ss.10-13 and 48; official CBS and FSA frameworks
Virtual asset services in or from Seychelles require the applicable FSA licence under the 2024 framework.
- إجراء التنفيذ
- Obtain a written perimeter decision and licence before offering exchange, transfer, custody or other in-scope virtual-asset services.
- الأدلة الواجب الاحتفاظ بها
- Classification, application, licence, conditions and approved service map.
- المصدر الأساسي
- Virtual Asset Service Providers Act 2024; FSA VASP legal framework and FAQs
02Governance, risk assessment and control ownershipBuild documented, risk-based and accountable controls.2 عناصر+
Reporting entities must appoint a compliance officer and alternate and maintain an institutional risk assessment.
- إجراء التنفيذ
- Appoint qualified officers, document authority and assess customer, product, channel, geography and delivery risks before launch and on change.
- الأدلة الواجب الاحتفاظ بها
- Appointments, fit-and-proper records, risk assessment, approvals and review log.
- المصدر الأساسي
- AML/CFT Act 2020, ss.32 and 34; AML/CFT Regulations 2020
Internal controls, employee screening, training and independent testing must be proportionate to risk.
- إجراء التنفيذ
- Approve a group-aware programme and independently test design and operating effectiveness.
- الأدلة الواجب الاحتفاظ بها
- Policies, training, screening, audit reports and remediation register.
- المصدر الأساسي
- AML/CFT Act 2020, ss.31-34; AML/CFT Regulations 2020
03Natural-person identification and CDDApply statutory triggers without treating thresholds as safe harbours.4 عناصر+
CDD applies to relationships, every qualifying one-off transaction, identity doubt and suspicion.
- إجراء التنفيذ
- Configure relationship, transaction, linked-operation, suspicion and identity-quality triggers and record the applicable basis.
- الأدلة الواجب الاحتفاظ بها
- Trigger matrix, aggregation results, identity file and decision timestamps.
- المصدر الأساسي
- AML/CFT Act 2020, ss.35 and 49
A one-off transaction exceeds SCR 50,000 in cash or wire transfers, singly or through apparently linked operations.
- إجراء التنفيذ
- Aggregate linked activity and apply CDD regardless of amount where suspicion or identity doubt exists.
- الأدلة الواجب الاحتفاظ بها
- Aggregation logic, alerts, CDD file and override record.
- المصدر الأساسي
- AML/CFT Act 2020, s.49(1)-(2)
Identity must be identified and verified from reliable, independent or otherwise reasonably reliable sources.
- إجراء التنفيذ
- Capture required identity attributes and authenticate evidence proportionately to risk.
- الأدلة الواجب الاحتفاظ بها
- Identity evidence, authenticity result, provenance and risk decision.
- المصدر الأساسي
- AML/CFT Act 2020, s.35(2)(a)
CDD is completed before or during establishment or a one-off transaction; limited delayed verification needs documented risk controls and prompt completion.
- إجراء التنفيذ
- Block unrestricted use until verification is complete and document each statutory condition and limit.
- الأدلة الواجب الاحتفاظ بها
- Verification timestamp, restrictions, exception approval and completion log.
- المصدر الأساسي
- AML/CFT Act 2020, s.39
04KYB, authority and beneficial ownershipVerify existence, authority and ultimate natural-person ownership or control.4 عناصر+
Legal-person CDD covers name, legal form, existence, governing powers, senior managers, registered office and principal place of business.
- إجراء التنفيذ
- Obtain current registry and constitutive evidence and reconcile directors, mandates and addresses.
- الأدلة الواجب الاحتفاظ بها
- Registry extract, certificate, constitution, directors and discrepancy log.
- المصدر الأساسي
- AML/CFT Act 2020, s.35(4)
A representative's authority and identity must be verified.
- إجراء التنفيذ
- Verify each actor and reconcile the mandate to current board or constitutive authority.
- الأدلة الواجب الاحتفاظ بها
- Identity file, mandate, board resolution and verification result.
- المصدر الأساسي
- AML/CFT Act 2020, s.35(4)(b)-(c)
For legal persons, BO determination includes natural persons with 10% or more ownership or control, majority-board appointment rights, other control and a senior-manager fallback.
- إجراء التنفيذ
- Trace every ownership layer and test ownership, voting, appointment and other-control paths before applying the fallback.
- الأدلة الواجب الاحتفاظ بها
- Ownership chart, registry records, control analysis and BO identity files.
- المصدر الأساسي
- Beneficial Ownership Regulations 2020, reg.3, as consolidated
Trusts and other legal arrangements use role-based tests rather than the 10% legal-person threshold.
- إجراء التنفيذ
- Identify and verify the settlor, trustees, protector where applicable, beneficiaries or class and every other person exercising ultimate control.
- الأدلة الواجب الاحتفاظ بها
- Trust instrument, role register, identity files and control analysis.
- المصدر الأساسي
- Beneficial Ownership Regulations 2020, reg.3(6)-(7), as consolidated
05PEPs, enhanced due diligence and relianceApply stronger controls to higher-risk relationships.3 عناصر+
Domestic, foreign and international-organisation PEPs, immediate family and close associates require EDD and enhanced monitoring.
- إجراء التنفيذ
- Screen customers and BOs, obtain senior-management approval and establish source of wealth and source of funds.
- الأدلة الواجب الاحتفاظ بها
- Screening, match rationale, source file, approval and monitoring plan.
- المصدر الأساسي
- AML/CFT Act 2020, s.36
Higher-risk situations and relevant higher-risk countries require risk-sensitive EDD.
- إجراء التنفيذ
- Document enhanced evidence, corroboration, approval and monitoring frequency.
- الأدلة الواجب الاحتفاظ بها
- EDD standard, jurisdiction assessment, approvals and alert tuning.
- المصدر الأساسي
- AML/CFT Act 2020, s.41
Reliance does not transfer responsibility; required information is immediate and copies must be available within three working days of request.
- إجراء التنفيذ
- Assess the regulated person, contract for access and test document retrieval.
- الأدلة الواجب الاحتفاظ بها
- Due diligence, agreement, retrieval test and exception log.
- المصدر الأساسي
- AML/CFT Act 2020, s.42
06Failed CDD, monitoring and suspicious reportingBlock unsafe activity and report suspicion promptly and confidentially.4 عناصر+
Failed CDD prevents a transaction or relationship and requires termination where applicable.
- إجراء التنفيذ
- Block or terminate under controlled procedures and refer the case for confidential STR assessment.
- الأدلة الواجب الاحتفاظ بها
- Failure reason, block, closure, STR decision and receipt.
- المصدر الأساسي
- AML/CFT Act 2020, s.43
Relationships require ongoing scrutiny, current CDD and examination of complex, unusual or large activity without apparent purpose.
- إجراء التنفيذ
- Investigate, document background and purpose, refresh CDD and escalate suspicion.
- الأدلة الواجب الاحتفاظ بها
- Alerts, cases, written findings, refreshed CDD and approvals.
- المصدر الأساسي
- AML/CFT Act 2020, s.46
Transactions and attempted transactions linked to criminal conduct, ML or TF are reportable to the FIU within two business days.
- إجراء التنفيذ
- Record when grounds, suspicion or information arose and submit using the current FIU route within the statutory clock.
- الأدلة الواجب الاحتفاظ بها
- Internal report, analysis, STR, FIU acknowledgement and timeline.
- المصدر الأساسي
- AML/CFT Act 2020, s.48(1)-(4)
Tipping off is prohibited.
- إجراء التنفيذ
- Restrict case access and govern customer communications, holds and lawful disclosures.
- الأدلة الواجب الاحتفاظ بها
- Access logs, communications plan, training and disclosure register.
- المصدر الأساسي
- AML/CFT Act 2020, s.50
07Wires, thresholds, payments and agentsKeep CDD, transaction records and threshold reports distinct.3 عناصر+
Cash transactions of SCR 50,000 or more by reporting entities and specified wire transfers of SCR 50,000 or more are reported under Schedule 3.
- إجراء التنفيذ
- Configure the exact entity, direction, transaction and aggregation scope; obtain FIU instructions for format and exemptions.
- الأدلة الواجب الاحتفاظ بها
- Threshold matrix, configuration, reports, acknowledgements and exemption record.
- المصدر الأساسي
- AML/CFT Act 2020, s.5 and Schedule 3
Wire transfers carry required originator and beneficiary information and deficient transfers follow risk-based reject, suspend, execute and follow-up rules.
- إجراء التنفيذ
- Validate fields throughout the payment chain and govern repair or rejection.
- الأدلة الواجب الاحتفاظ بها
- Field matrix, validation, repair queue and transaction samples.
- المصدر الأساسي
- AML/CFT Act 2020, ss.45-45A
Payment, remittance, e-money, agent and fintech models require current activity-specific authority.
- إجراء التنفيذ
- Do not launch until CBS, FSA or the competent authority confirms every required licence and agent condition.
- الأدلة الواجب الاحتفاظ بها
- Perimeter advice, application, licence, agent register and monitoring.
- المصدر الأساسي
- Official CBS and FSA regulatory frameworks; activity-specific dependency
08Targeted financial sanctions and CPFOperate current screening, freezing and reporting controls.2 عناصر+
Seychelles implements targeted financial sanctions through the Prevention of Terrorism and UN implementation framework.
- إجراء التنفيذ
- Screen customers, BOs, representatives and transactions against current UN and domestic designations and escalate potential matches immediately.
- الأدلة الواجب الاحتفاظ بها
- List provenance, screening logs, match decisions, holds and authority correspondence.
- المصدر الأساسي
- Prevention of Terrorism Act and UN Security Council implementation regulations; CBS AML/CFT framework
Operational freeze, false-positive, reporting and CPF handling must follow the current competent-authority instructions.
- إجراء التنفيذ
- Maintain a 24/7 escalation route and obtain written instructions before release or dealing with potentially affected property.
- الأدلة الواجب الاحتفاظ بها
- Procedure, escalation log, instruction, decision and audit trail.
- المصدر الأساسي
- Controlled implementation dependency; confirm with FIU and competent authority
09Records, access and assuranceRetain reconstructable evidence under the correct clock.3 عناصر+
CDD, transaction, FIU-report and enquiry records are retained for at least seven years under record-class-specific clocks.
- إجراء التنفيذ
- Map each class to identity collection, transaction or correspondence, or relationship cessation and apply legal holds.
- الأدلة الواجب الاحتفاظ بها
- Retention schedule, configuration, samples and deletion tests.
- المصدر الأساسي
- AML/CFT Act 2020, s.47(1)-(2)
Banks, bureaux de change, insurance companies and securities-exchange infrastructures retain specified records digitally for 30 years after relationship cessation.
- إجراء التنفيذ
- Apply this sector-specific overlay only to in-scope entities and preserve readable, authenticated records.
- الأدلة الواجب الاحتفاظ بها
- Entity mapping, archive configuration, integrity and retrieval tests.
- المصدر الأساسي
- AML/CFT Act 2020, s.47(3)-(5)
Records must reconstruct transactions and be immediately available to FIU or competent authorities.
- إجراء التنفيذ
- Index linked identity, transaction, investigation and reporting evidence and test retrieval.
- الأدلة الواجب الاحتفاظ بها
- Request register, retrieval tests, access controls and response package.
- المصدر الأساسي
- AML/CFT Act 2020, s.47(4)-(6)
10Privacy, biometrics and transfersApply the Data Protection Act alongside AML retention and access duties.4 عناصر+
Personal data processing requires a lawful basis, minimisation, quality, security, accountability and purpose controls.
- إجراء التنفيذ
- Document purpose and basis, minimise collection, restrict access and reconcile privacy retention with statutory AML duties.
- الأدلة الواجب الاحتفاظ بها
- Data inventory, processing record, notices, access matrix and retention mapping.
- المصدر الأساسي
- Data Protection Act 2023, ss.15-21
Biometrics are sensitive data and processing is prohibited unless a section 22 exception applies.
- إجراء التنفيذ
- Document the exact exception, necessity and safeguards before biometric onboarding and complete an impact assessment where high risk.
- الأدلة الواجب الاحتفاظ بها
- Legal basis, consent where used, DPIA, model tests and access logs.
- المصدر الأساسي
- Data Protection Act 2023, ss.2, 22 and 38
The Information Commission must be notified of a personal-data breach within 72 hours of awareness; delay requires reasons, and affected people are promptly informed where the statutory risk test is met.
- إجراء التنفيذ
- Timestamp awareness, assess impact and operate regulator and data-subject notification playbooks.
- الأدلة الواجب الاحتفاظ بها
- Incident log, assessment, notifications, delivery evidence and remediation.
- المصدر الأساسي
- Data Protection Act 2023, ss.43-44
Cross-border transfers require a comparable level of protection and compliance with section 47 conditions.
- إجراء التنفيذ
- Assess destination protection, document transfer purpose, notify data subjects where required and obtain Commission authority where applicable.
- الأدلة الواجب الاحتفاظ بها
- Transfer assessment, data map, notices, contracts and Commission correspondence.
- المصدر الأساسي
- Data Protection Act 2023, s.47
11Practical evidence packs and change controlMake decisions reconstructable and keep time-sensitive rules current.2 عناصر+
A complete customer file links identity, KYB, ownership, screening, risk, approval, monitoring and reporting decisions.
- إجراء التنفيذ
- Block activation when mandatory evidence or approval is missing and preserve the release decision.
- الأدلة الواجب الاحتفاظ بها
- Control checklist, linked file, approvals and release log.
- المصدر الأساسي
- AML/CFT Act 2020, Parts VI-VII
FIU directions, thresholds, sanctions lists, FATF status, privacy guidance, registry and licensing requirements require ongoing monitoring.
- إجراء التنفيذ
- Assign owners and review FIU, CBS, FSA, Registration Division, Information Commission, Gazette, FATF and ESAAMLG sources on a governed schedule.
- الأدلة الواجب الاحتفاظ بها
- Legal inventory, source log, change assessments and implementation tickets.
- 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.
- Consolidated AML/CFT Act 2020, revised to 17 January 2025Central Bank of Seychelles · Primary legislation - official consolidated copy
- Consolidated AML/CFT Regulations 2020 to 17 January 2025Seychelles Financial Intelligence Unit · Primary legislation - official FIU library
- CBS AML/CFT regulatory frameworkCentral Bank of Seychelles · Official regulator framework
- Beneficial Ownership Act 2020Seychelles Registration Division · Primary legislation - official registry source
- Beneficial Ownership legislation and consolidated regulationsSeychelles Financial Intelligence Unit · Primary legislation and official FIU resource
- Beneficial ownership guidance and consolidated frameworkFinancial Services Authority · Official regulator guidance
- Data Protection Act 2023Seychelles Official Gazette · Primary legislation
- Information CommissionSeychelles Information Commission · Official privacy authority
- Virtual Asset Service Providers legal frameworkFinancial Services Authority · Primary legislation and official regulator guidance
- Virtual Asset Service Providers FAQsFinancial Services Authority · Official regulator guidance
- Jurisdictions under Increased Monitoring - June 2026FATF · Authoritative public statement
- High-Risk Jurisdictions subject to a Call for Action - June 2026FATF · Authoritative public statement
إجابات مباشرة
أسئلة KYC وKYB وAML في سيشل
Who receives suspicious transaction reports in Seychelles?+
The Seychelles Financial Intelligence Unit, using its current reporting route and prescribed format.
When is an STR due?+
Within two business days of ascertaining reasonable grounds, forming suspicion or receiving relevant information; attempted transactions are included regardless of amount.
What is the one-off CDD threshold?+
A one-off cash or wire transaction above SCR 50,000, including apparently linked operations; suspicion and identity doubt trigger CDD regardless of amount.
What beneficial-ownership threshold applies to legal persons?+
The consolidated BO framework uses 10% ownership or control, plus board-appointment, other-control and senior-management fallback tests. Trusts and other legal arrangements use role-based tests.
How long are AML records kept?+
At least seven years under record-class-specific clocks. Banks, bureaux de change, insurers and securities-exchange infrastructures also have a 30-year digital-retention overlay after relationship cessation.
Are VASPs licensed in Seychelles?+
Yes. In-scope virtual asset services in or from Seychelles require the applicable FSA licence under the VASP Act 2024; obtain an activity-specific perimeter decision.
When must a personal-data breach be reported?+
The Information Commission must be notified within 72 hours after awareness, with reasons for delay; affected individuals are promptly informed where the section 44 test is met.
Is Seychelles on a FATF public list?+
Seychelles was not named in FATF's June 2026 increased-monitoring or call-for-action statements.
منهجية البحث والمراجعة
تحدد VOVE ID Compliance Research النطاق التنظيمي، وتحول الالتزامات إلى ضوابط تشغيلية، وتربط الادعاءات الجوهرية بالمصادر، وتسجل تاريخ وإصدار كل مراجعة.
This checklist is general regulatory information, not legal advice or a licence determination. It reflects primary and authoritative sources reviewed on 22 July 2026. Confirm the current FIU reporting portal, exemption mechanics, sector-specific supervision, sanctions and CPF procedure, registry filing workflow, Data Protection Act implementation guidance and each activity-specific licence with Seychelles counsel and the competent authority before launch. VOVE ID supports evidence collection and audit trails; the reporting entity remains responsible for acceptance, reporting, restraint and compliance decisions.