سيراليون KYC, KYB & AML compliance checklist
قائمة عملية وموثقة بالمصادر لتنفيذ متطلبات KYC وKYB وAML في سيراليون.
- تاريخ آخر مراجعة
- تاريخ آخر مراجعة:
- الإصدار
- الإصدار 1.0
إجابة مباشرة
ما الذي تغطيه قائمة الامتثال الخاصة بـ سيراليون؟
تحوّل قائمة سيراليون قواعد KYC وKYB وAML الأساسية إلى 11 مجالات رقابية و38 فحوص تنفيذ، وتشمل الجهات المختصة وواجبات الإبلاغ والأدلة الواجب الاحتفاظ بها.
حقائق تنظيمية أساسية
- Primary AML/CFT/CPF law
- Act 4 of 2024, Gazette 44 of 6 June 2024
- Financial intelligence unit
- Financial Intelligence Agency (FIA)
- STR timing
- As soon as practicable and no later than two days after suspicion or information
- Occasional-transaction CDD
- SLE 30,000 or more, including linked transactions within 24 hours
- Wire-transfer CDD
- SLE 3,000 or more for domestic or international wires
- Core AML retention
- At least five years, with the start event determined by record class
- Sanctions asset report
- As soon as reasonably practicable and within two working days under section 42
- Beneficial ownership
- Natural persons who ultimately own/control or exercise ultimate effective control; no universal AML percentage
- Payments and VASPs
- Activity-specific BSL or relevant-supervisor authority required before operations
- FATF public lists
- Not named in FATF statements dated 19 June 2026; GIABA enhanced follow-up continues
تفاصيل التنفيذ
متطلبات وإجراءات الامتثال في سيراليون
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 and listed DNFBPs are reporting entities under the 2024 Act.
- إجراء التنفيذ
- Map each entity, product, profession, branch, agent and outsourced service to the First Schedule and its supervisor.
- الأدلة الواجب الاحتفاظ بها
- Perimeter memorandum, entity-product map, licences and supervisor register.
- المصدر الأساسي
- 2024 Act, ss.1-2 and First Schedule
The FIA receives, analyses and disseminates reports and may issue binding guidelines and directives.
- إجراء التنفيذ
- Register compliance contacts and obtain the current FIA reporting access, formats and instructions.
- الأدلة الواجب الاحتفاظ بها
- FIA correspondence, access records, contacts and regulatory calendar.
- المصدر الأساسي
- 2024 Act, ss.3, 20 and 167
Payment services, money transmission, financial services and VASP activity require applicable authority before operations.
- إجراء التنفيذ
- Obtain a written BSL or relevant-supervisor perimeter decision and every licence or registration before pilot or launch.
- الأدلة الواجب الاحتفاظ بها
- Classification, application, licence, conditions and approved product map.
- المصدر الأساسي
- 2024 Act, ss.59 and 103; National Payment Systems Act 2022
02Governance, risk assessment and control ownershipBuild documented, risk-based and accountable controls.3 عناصر+
Reporting entities identify and assess customer, product, delivery, geography and technology risks and apply mitigation.
- إجراء التنفيذ
- Maintain enterprise, product and customer risk assessments and assess new products before launch.
- الأدلة الواجب الاحتفاظ بها
- Methodology, assessments, approvals, overrides and remediation.
- المصدر الأساسي
- 2024 Act, ss.51-53
Risk assessments are refreshed on events and at the Act's risk-tier intervals and submitted after completion.
- إجراء التنفيذ
- Confirm the applicable tier, calendar the statutory review and one-calendar-month submission, and preserve receipts.
- الأدلة الواجب الاحتفاظ بها
- Risk classification, calendar, assessment, submission and receipt.
- المصدر الأساسي
- 2024 Act, s.53(1)-(3)
A senior compliance officer and internal AML/CFT/CPF programme, training and independent assurance are required.
- إجراء التنفيذ
- Appoint an empowered officer, approve procedures, train relevant staff and test the lifecycle.
- الأدلة الواجب الاحتفاظ بها
- Appointment, charter, procedures, training and audit reports.
- المصدر الأساسي
- 2024 Act, ss.70-72, 159-160
03Natural-person identification and CDDApply every statutory trigger without treating thresholds as safe harbours.4 عناصر+
Identity verification applies at account or relationship opening, SLE 30,000 occasional activity, SLE 3,000 wires, suspicion and identity doubt.
- إجراء التنفيذ
- Configure all triggers, including linked occasional transactions within 24 hours and amount-independent suspicion.
- الأدلة الواجب الاحتفاظ بها
- Trigger matrix, aggregation tests, cases and exceptions.
- المصدر الأساسي
- 2024 Act, ss.55-56 and 60
Natural persons are verified from reliable independent official documents and address evidence.
- إجراء التنفيذ
- Capture and authenticate identity, address, occupation and national-identification or passport evidence.
- الأدلة الواجب الاحتفاظ بها
- Identity file, authenticity result, address proof and screening decision.
- المصدر الأساسي
- 2024 Act, ss.56(1)-(2), 57(3)(c)
Purpose, intended nature, expected activity and source/destination information are understood proportionately.
- إجراء التنفيذ
- Create an expected-activity profile and investigate material deviations.
- الأدلة الواجب الاحتفاظ بها
- Purpose statement, profile, source evidence, alerts and reviews.
- المصدر الأساسي
- 2024 Act, ss.55, 57(3), 68
Deferred verification is exceptional, risk-controlled and cannot exceed two calendar months.
- إجراء التنفيذ
- Restrict activity, set a shorter completion SLA and close or consider an STR if evidence remains incomplete.
- الأدلة الواجب الاحتفاظ بها
- Exception approval, restrictions, completion or closure and STR decision.
- المصدر الأساسي
- 2024 Act, s.57(6)-(8)
04KYB, authority and beneficial ownershipVerify existence, authority and ultimate natural-person ownership or control.4 عناصر+
Legal-entity CDD verifies legal existence, registered office, directors, powers, owners, beneficiaries and control structure.
- إجراء التنفيذ
- Obtain current NIB evidence and constitutive records and reconcile directors, mandates and ownership.
- الأدلة الواجب الاحتفاظ بها
- Registry extract, certificate, constitution, annual return, directors and discrepancy log.
- المصدر الأساسي
- 2024 Act, ss.1, 56(3)-(4), 57(3)(d)
Representatives require verified identity and authority.
- إجراء التنفيذ
- Verify each representative separately and validate the mandate before activity.
- الأدلة الواجب الاحتفاظ بها
- Identity file, mandate, board authority and verification result.
- المصدر الأساسي
- 2024 Act, ss.55(5)(a), 57(3)(d)(iii)
Beneficial owners are natural persons who ultimately own or control or exercise ultimate effective control.
- إجراء التنفيذ
- Trace every ownership layer, test non-ownership control and verify each identified natural person without inventing a universal percentage.
- الأدلة الواجب الاحتفاظ بها
- Ownership chart, source records, control analysis and BO identity files.
- المصدر الأساسي
- 2024 Act, s.1 definitions of beneficial owner and customer due diligence; s.57
Trust information covers settlor, trustees, protector, beneficiaries or class and every natural person exercising ultimate effective control.
- إجراء التنفيذ
- Verify the trust instrument, roles, powers and relevant natural persons.
- الأدلة الواجب الاحتفاظ بها
- Trust deed, role register, control analysis and identity files.
- المصدر الأساسي
- 2024 Act, s.57(13)
05PEPs, enhanced due diligence and remote onboardingApply stronger controls to higher risk and non-face-to-face relationships.4 عناصر+
Systems determine whether customers, beneficial owners and relevant insurance beneficiaries are PEPs.
- إجراء التنفيذ
- Screen before activation and continuously and resolve family and close-associate exposure.
- الأدلة الواجب الاحتفاظ بها
- Screening, match decision, role and relationship evidence.
- المصدر الأساسي
- 2024 Act, ss.1 and 63
PEPs require senior-management approval, reasonable source-of-wealth and source-of-funds measures and enhanced monitoring.
- إجراء التنفيذ
- Corroborate source evidence, document approval and configure enhanced monitoring.
- الأدلة الواجب الاحتفاظ بها
- Source file, approval, monitoring plan and reviews.
- المصدر الأساسي
- 2024 Act, s.63
Remote CDD must be no less effective than in-person CDD and use additional independent or confirmatory evidence.
- إجراء التنفيذ
- Use document-integrity, liveness/presence, independent-data, device and fraud controls proportionate to risk.
- الأدلة الواجب الاحتفاظ بها
- Remote standard, test results, fraud logs and exceptions.
- المصدر الأساسي
- 2024 Act, s.62
Third-party reliance does not transfer ultimate responsibility and requires immediate information and documents without delay.
- إجراء التنفيذ
- Assess supervision and jurisdiction, contract for access and test document retrieval.
- الأدلة الواجب الاحتفاظ بها
- Due diligence, agreement, retrieval tests and monitoring.
- المصدر الأساسي
- 2024 Act, s.61
06Failed CDD, monitoring and suspicious reportingBlock unsafe activity and report suspicion promptly and confidentially.5 عناصر+
Failed CDD prevents account establishment or continuation and may require an STR.
- إجراء التنفيذ
- Block activation or terminate under controlled procedures and send the case to confidential reporting review.
- الأدلة الواجب الاحتفاظ بها
- Failure reason, block, closure, STR decision and receipt.
- المصدر الأساسي
- 2024 Act, ss.55(6), 57(2), 65, 153
Ongoing monitoring keeps customer and BO information current and examines complex, unusual and large activity.
- إجراء التنفيذ
- Configure risk and event refresh, transaction scenarios and documented investigation of unusual activity.
- الأدلة الواجب الاحتفاظ بها
- Refresh schedule, alerts, cases, findings and updated CDD.
- المصدر الأساسي
- 2024 Act, ss.68 and 53(4)
Suspected transactions, attempts, information or facts linked to ML, TF or PF are reportable to FIA.
- إجراء التنفيذ
- Escalate immediately, preserve the suspicion timestamp and submit the prescribed STR.
- الأدلة الواجب الاحتفاظ بها
- Internal report, analysis, STR, receipt and timeline.
- المصدر الأساسي
- 2024 Act, ss.76-78
An STR is due as soon as practicable and no later than two days after suspicion or information.
- إجراء التنفيذ
- Use a shorter internal SLA measured from the recorded formation or receipt time.
- الأدلة الواجب الاحتفاظ بها
- Trigger timestamp, approval, submission time and SLA monitoring.
- المصدر الأساسي
- 2024 Act, s.76(1)
Tipping off is prohibited and good-faith reporting is protected.
- إجراء التنفيذ
- Restrict access and govern customer communications and lawful disclosures.
- الأدلة الواجب الاحتفاظ بها
- Access logs, communication plan, training and disclosure register.
- المصدر الأساسي
- 2024 Act, ss.80-83
07Wires, thresholds, payments and agentsKeep CDD, internal lists and FIA-prescribed reports distinct.4 عناصر+
Wire transfers carry required originator and beneficiary information and deficient messages require governed action.
- إجراء التنفيذ
- Validate fields through the chain and execute, reject, suspend or report under risk-based procedures.
- الأدلة الواجب الاحتفاظ بها
- Field matrix, validation, repair/reject queue and samples.
- المصدر الأساسي
- 2024 Act, ss.67 and 69
The Act requires an internal list for currency-exchange and money-transmission cash transactions of SLE 3,000 or more.
- إجراء التنفيذ
- Maintain the list and do not misstate it as a universal FIA filing threshold; apply current FIA cash/foreign-report thresholds separately.
- الأدلة الواجب الاحتفاظ بها
- Scope memo, internal list, FIA directive and report receipts.
- المصدر الأساسي
- 2024 Act, ss.66(4) and 76(6)
Licensed payment providers and operators comply with AML rules and ensure agent compliance.
- إجراء التنفيذ
- Include agents in the programme, maintain a current list and monitor outsourced controls.
- الأدلة الواجب الاحتفاظ بها
- Licence, agent register, contracts, monitoring and remediation.
- المصدر الأساسي
- National Payment Systems Act 2022, ss.22 and 36; 2024 Act, ss.59(4), 69(13)
VASPs must identify risks, obtain relevant-supervisor registration and licence before operating and transmit originator/beneficiary information.
- إجراء التنفيذ
- Do not launch until the competent supervisor confirms perimeter, authority and transfer-data requirements.
- الأدلة الواجب الاحتفاظ بها
- Legal classification, registration, licence, travel-rule design and tests.
- المصدر الأساسي
- 2024 Act, s.103
08Targeted financial sanctionsScreen current domestic, UN and ECOWAS designations and act promptly.3 عناصر+
Business relationships and dealings with sanctioned persons, entities, groups and specified sanctioned-country interests are prohibited.
- إجراء التنفيذ
- Screen customers, BOs, representatives, counterparties, vessels and transactions at onboarding and list change.
- الأدلة الواجب الاحتفاظ بها
- List provenance, screening logs, match decisions and population reconciliation.
- المصدر الأساسي
- 2024 Act, ss.35-39
Suspected sanctioned ownership or control is referred immediately in writing to the Director-General or competent authority.
- إجراء التنفيذ
- Maintain a 24/7 escalation route, hold relevant activity and seek written verification without alerting the subject.
- الأدلة الواجب الاحتفاظ بها
- Match analysis, request, hold and response.
- المصدر الأساسي
- 2024 Act, s.41
Assets held for sanctioned persons or entities are reported as soon as reasonably practicable and within two working days.
- إجراء التنفيذ
- Inventory affected assets and report through the current FIA or competent-authority procedure.
- الأدلة الواجب الاحتفاظ بها
- Asset inventory, trigger time, report and receipt.
- المصدر الأساسي
- 2024 Act, s.42
09Records, access and assuranceRetain reconstructable evidence under the correct clock.3 عناصر+
CDD, transaction, unusual-activity findings and STR records are kept for at least five years under class-specific clocks.
- إجراء التنفيذ
- Map each record class to transaction completion, relationship end or report date and apply legal holds.
- الأدلة الواجب الاحتفاظ بها
- Retention schedule, configuration, samples and deletion tests.
- المصدر الأساسي
- 2024 Act, s.66
Records must reconstruct transactions and be immediately or swiftly available to FIA and 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
- 2024 Act, ss.66 and 69(11)
Governed backups and authentication are required for machine-readable or electronic records.
- إجراء التنفيذ
- Test backup, recovery, integrity and authorised access for the full retention period.
- الأدلة الواجب الاحتفاظ بها
- Architecture, backup tests, audit logs and recovery evidence.
- المصدر الأساسي
- 2024 Act, s.66(5)
10Privacy, identity data and transfersApply verified sector rules and cautious data governance while national privacy law remains in transition.3 عناصر+
Payment providers process and retain necessary personal data and follow statutory consent, fraud-prevention and disclosure rules.
- إجراء التنفيذ
- Document necessity and permissions, minimise fields and prohibit unauthorised sale or sharing.
- الأدلة الواجب الاحتفاظ بها
- Data inventory, notices, permissions, access logs and sharing register.
- المصدر الأساسي
- National Payment Systems Act 2022, s.21
Sensitive identity and biometric processing requires documented necessity, security and access governance even where no comprehensive statute is asserted.
- إجراء التنفيذ
- Complete legal, privacy and security assessments before biometric use and contractually control processors.
- الأدلة الواجب الاحتفاظ بها
- Assessment, data flow, access controls, testing and vendor assurance.
- المصدر الأساسي
- Recommended control; sector duties and applicable law must be confirmed
Cross-border transfers, incidents and deletion require a verified legal basis and sector procedure.
- إجراء التنفيذ
- Confirm current Sierra Leone requirements with counsel and regulators before implementation; do not invent a notification deadline.
- الأدلة الواجب الاحتفاظ بها
- Legal memo, transfer map, incident playbook, contracts and decisions.
- المصدر الأساسي
- Controlled uncertainty; National Payment Systems Act 2022, s.21 where applicable
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
- 2024 Act, Part IX
FIA directives, thresholds, sanctions lists, FATF status, company law, licensing and privacy requirements require ongoing monitoring.
- إجراء التنفيذ
- Assign owners and review FIA, BSL, NIB, Gazette, FATF and GIABA 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
10 مصدرًا مستخدمًا في هذه القائمة
استخدم هذه الروابط للتحقق من التشريعات وإرشادات الجهات الرقابية وإجراءات الإبلاغ والبيانات الدولية.
- AML/CFT/CPF Act, 2024 (Act 4 of 2024)Sierra Leone Gazette text via SierraLII · Primary legislation reproduction
- National Payment Systems Act, 2022Sierra Leone Gazette text via SierraLII · Primary legislation reproduction
- Bank of Sierra LeoneBank of Sierra Leone · Official regulator
- BSL legislation and regulatory frameworkBank of Sierra Leone · Official regulator
- National Investment Board Act, 2022Sierra Leone Gazette text via SierraLII · Primary legislation reproduction
- NIB business registration and corporate affairsNational Investment Board · Official company registry guidance
- NIB business forms including beneficial ownershipNational Investment Board · Official company registry guidance
- Sierra Leone fifth enhanced follow-up report, 2025GIABA · Authoritative regional assessment
- Jurisdictions under Increased Monitoring - 19 June 2026FATF · Authoritative public statement
- High-Risk Jurisdictions subject to a Call for Action - 19 June 2026FATF · Authoritative public statement
إجابات مباشرة
أسئلة KYC وKYB وAML في سيراليون
Who receives suspicious transaction reports in Sierra Leone?+
The Financial Intelligence Agency. Use its current prescribed form and channel.
When is an STR due?+
As soon as practicable and no later than two days after forming suspicion or receiving the relevant information.
When does occasional-transaction CDD apply?+
At SLE 30,000 or more, including apparently linked transactions within 24 hours; suspicion and identity doubt apply regardless of amount.
Does Sierra Leone use one AML beneficial-ownership percentage?+
The 2024 Act's AML definition does not state one universal percentage. Identify natural persons who ultimately own or control or exercise ultimate effective control.
How long are core AML records kept?+
At least five years, with the start event depending on the record class.
Are payment or virtual-asset services permitted by company registration alone?+
No. Obtain the applicable BSL or relevant-supervisor classification, registration and licence before operations.
How quickly are sanctioned assets reported?+
As soon as reasonably practicable and in any event within two working days under section 42, using the current competent-authority procedure.
Is Sierra Leone on a FATF public list?+
Sierra Leone was not named in FATF's public statements dated 19 June 2026. GIABA enhanced follow-up is a separate peer-review process.
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 sources reviewed on 18 July 2026. Confirm FIA directives, reporting channels and threshold-report specifications; BSL licensing and product conditions; NIB company-law commencement, forms and beneficial-ownership procedures; sanctions instructions; and applicable privacy requirements with Sierra Leone 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.