سويسرا KYC, KYB & AML compliance checklist
قائمة عملية وموثقة بالمصادر لتنفيذ متطلبات KYC وKYB وAML في سويسرا.
- تاريخ آخر مراجعة
- تاريخ آخر مراجعة:
- الإصدار
- الإصدار 1.0
دليل تنفيذ قابل للتنزيل
الحصول على ملف PDF
11 مجالات رقابية · 38 فحوص تنفيذ
تاريخ آخر مراجعة: 9 October 2026 · الإصدار 1.0
تنزيل قائمة التحققإجابة مباشرة
ما الذي تغطيه قائمة الامتثال الخاصة بـ سويسرا؟
تحوّل قائمة سويسرا 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 law
- Anti-Money Laundering Act (AMLA; SR 955.0)
- FIU
- Money Laundering Reporting Office Switzerland (MROS)
- SAR trigger
- Report immediately when AMLA Article 9 conditions are met
- Records
- 10 years after relationship termination or transaction completion
- Beneficial ownership
- Identify and verify the natural person who ultimately owns or controls
- Transparency register
- Federal register operational from 1 October 2026; transition rules apply
- Privacy law
- Federal Act on Data Protection (FADP)
- FATF public lists
- Not listed at 19 June 2026
تفاصيل التنفيذ
متطلبات وإجراءات الامتثال في سويسرا
افتح كل مجال لمراجعة المتطلب وإجراء التنفيذ المقترح والأدلة الواجب الاحتفاظ بها والمصدر الأساسي.
01Scope, authorities, and licensingClassify the activity, Swiss nexus and supervisory channel before launch.3 عناصر+
Determine whether each activity is subject to AMLA.
- إجراء التنفيذ
- Map services, custody, payments, exchange, lending, asset management, advisory activity and crypto-asset functions to the live AMLA perimeter, including the adviser provisions effective 1 October 2026.
- الأدلة الواجب الاحتفاظ بها
- Perimeter memo, service map and authority confirmation.
- المصدر الأساسي
- AMLA articles 2 and 2a; Anti-Money Laundering Ordinance
Select the correct supervisory route.
- إجراء التنفيذ
- Document whether FINMA, a supervisory organisation or a FINMA-recognised self-regulatory organisation supervises each covered activity and obtain affiliation before operating.
- الأدلة الواجب الاحتفاظ بها
- Licence or affiliation record and scope analysis.
- المصدر الأساسي
- AMLA articles 12-18; FINMA AML supervision guidance
Obtain each activity-specific authorisation.
- إجراء التنفيذ
- Classify banking, securities, insurance, collective investment, portfolio management, trusteeship, FinTech, payment, DLT and crypto services under the live financial-market laws.
- الأدلة الواجب الاحتفاظ بها
- Licence matrix, approvals and conditions.
- المصدر الأساسي
- Banking Act; FinIA; FinMIA; applicable FINMA authorisation rules
02Governance and risk assessmentControls must be risk-based, documented and effective.3 عناصر+
Maintain an enterprise ML/TF/PF risk assessment.
- إجراء التنفيذ
- Assess customers, geography, products, channels, transactions, intermediaries, technologies and sanctions exposure using current national and sector risk information.
- الأدلة الواجب الاحتفاظ بها
- Methodology, assessment, approval and updates.
- المصدر الأساسي
- AMLA articles 6 and 8; AMLO-FINMA
Maintain an adequate AML organisation.
- إجراء التنفيذ
- Assign accountable management, compliance, training, monitoring, escalation, quality assurance and independent testing proportionate to the business.
- الأدلة الواجب الاحتفاظ بها
- Governance map, policies, training and test reports.
- المصدر الأساسي
- AMLA article 8; AMLO-FINMA
Apply group controls without weakening Swiss duties.
- إجراء التنفيذ
- Govern permitted information sharing, overseas entities and higher-risk relationships while preserving Swiss secrecy, privacy and reporting restrictions.
- الأدلة الواجب الاحتفاظ بها
- Group standard, legal analysis and access controls.
- المصدر الأساسي
- AMLO-FINMA group-wide provisions; FADP
03Natural-person identificationVerify the contracting party, representatives and relevant asset ownership at the applicable trigger.4 عناصر+
Verify the contracting party when establishing the relationship.
- إجراء التنفيذ
- Use documents or permitted digital methods of evidentiary value and retain attributes, provenance and verification results.
- الأدلة الواجب الاحتفاظ بها
- Identity record, document check and verification result.
- المصدر الأساسي
- AMLA article 3; applicable FINMA/SRO identification rules
Apply current occasional-transaction thresholds by sector.
- إجراء التنفيذ
- Maintain a dated matrix from the controlling ordinance or self-regulatory rule; do not treat one threshold as universal across cash, exchange, payment-token or other activity.
- الأدلة الواجب الاحتفاظ بها
- Threshold register, configuration and change tests.
- المصدر الأساسي
- AMLA article 3; AMLO; AMLO-FINMA and recognised self-regulation
Verify representatives and authority.
- إجراء التنفيذ
- Identify the representative, authenticate authority and establish the represented contracting party before accepting instructions.
- الأدلة الواجب الاحتفاظ بها
- Representative KYC, mandate and validation.
- المصدر الأساسي
- AMLA article 3; applicable due-diligence rules
Escalate incomplete or doubtful identification.
- إجراء التنفيذ
- Do not open or continue contrary to the applicable rules; clarify inconsistencies and assess reporting duties without tipping off.
- الأدلة الواجب الاحتفاظ بها
- Exception, restriction and SAR assessment.
- المصدر الأساسي
- AMLA articles 3, 6, 9 and 10a
04KYB, transparency register, and beneficial ownershipVerify legal existence, authority, ownership and ultimate control under both AML and entity-transparency rules.4 عناصر+
Verify the legal entity and authorised persons.
- إجراء التنفيذ
- Obtain current commercial-register, constitutional, purpose, director and signatory evidence and validate authority.
- الأدلة الواجب الاحتفاظ بها
- Zefix/cantonal extract, documents and discrepancy log.
- المصدر الأساسي
- AMLA article 3; Commercial Register Ordinance
Identify and verify the beneficial owner.
- إجراء التنفيذ
- Obtain a written declaration where required, trace direct and indirect ownership and control, and apply the current natural-person fallback under the controlling rules.
- الأدلة الواجب الاحتفاظ بها
- Ownership chart, declaration, control rationale and verified identities.
- المصدر الأساسي
- AMLA article 4; applicable FINMA/SRO rules
Apply the federal transparency-register regime separately.
- إجراء التنفيذ
- Determine the entity's registration duty, identify reportable beneficial owners, meet the applicable transition period and keep reported information current.
- الأدلة الواجب الاحتفاظ بها
- Scope memo, register filing, receipt and update log.
- المصدر الأساسي
- Act on the Transparency of Legal Persons and Identification of Beneficial Owners; implementing ordinance
Reconcile register and CDD differences.
- إجراء التنفيذ
- Do not treat a register entry as a substitute for risk-based verification; investigate and report discrepancies through the prescribed route where the statutory duty applies.
- الأدلة الواجب الاحتفاظ بها
- Comparison, investigation and discrepancy report.
- المصدر الأساسي
- Transparency Act discrepancy-reporting provisions; AMLA article 4
05PEPs, EDD, and remote onboardingApply enhanced controls to PEPs and higher-risk relationships.3 عناصر+
Identify foreign and domestic PEP exposure.
- إجراء التنفيذ
- Screen customers, beneficial owners, family members and close associates and apply the approval, source-of-wealth, source-of-funds and monitoring measures required for the risk class.
- الأدلة الواجب الاحتفاظ بها
- Screening, classification, approval and corroboration.
- المصدر الأساسي
- AMLA articles 2a and 6; AMLO-FINMA
Clarify unusual and higher-risk activity.
- إجراء التنفيذ
- Establish economic background and purpose, obtain additional evidence and document whether suspicion is present.
- الأدلة الواجب الاحتفاظ بها
- Trigger, clarification, conclusion and approval.
- المصدر الأساسي
- AMLA article 6
Control digital identification.
- إجراء التنفيذ
- Use the FINMA video/online-identification practice and the version in force on the onboarding date; retain authentication, liveness, fraud and exception evidence.
- الأدلة الواجب الاحتفاظ بها
- Method assessment, session evidence and exceptions.
- المصدر الأساسي
- FINMA Circular 2016/7, including revision effective 1 November 2026
06Monitoring and suspicious reportingOngoing scrutiny supports immediate reporting to MROS.4 عناصر+
Monitor and refresh on a risk basis.
- إجراء التنفيذ
- Compare activity with purpose, expected behaviour, customer risk and source of assets and refresh CDD when events, material changes or doubts arise.
- الأدلة الواجب الاحتفاظ بها
- Scenarios, alerts, reviews and refresh history.
- المصدر الأساسي
- AMLA articles 6 and 7
Report when AMLA Article 9 conditions are met.
- إجراء التنفيذ
- Submit a complete report to MROS immediately through the prescribed electronic channel; distinguish the statutory duty from the separate reporting right.
- الأدلة الواجب الاحتفاظ بها
- Trigger analysis, decision time, goAML submission and acknowledgement.
- المصدر الأساسي
- AMLA articles 9 and 23; MROSO
Apply transaction restrictions under the live rules.
- إجراء التنفيذ
- Determine whether and when assets or transactions must be blocked or may be executed after a report, following MROS communications and the controlling AMLA provisions.
- الأدلة الواجب الاحتفاظ بها
- Legal basis, timestamps, restriction and release decision.
- المصدر الأساسي
- AMLA article 10 and MROSO
Prevent tipping off and protect report information.
- إجراء التنفيذ
- Restrict access and communications and disclose only under a statutory permission.
- الأدلة الواجب الاحتفاظ بها
- Access logs, scripts, training and incidents.
- المصدر الأساسي
- AMLA article 10a
07Payments, wires, thresholds, and crypto-assetsSeparate identification thresholds, transfer information and activity-specific licensing.4 عناصر+
Carry and screen required transfer information.
- إجراء التنفيذ
- Apply current originator and beneficiary fields, missing-data procedures, sanctions checks and beneficiary/intermediary controls.
- الأدلة الواجب الاحتفاظ بها
- Field matrix, samples and repair queue.
- المصدر الأساسي
- AMLO-FINMA payment-transfer provisions; applicable SRO rules
Maintain a current threshold matrix.
- إجراء التنفيذ
- Record identification, enhanced-diligence and cash-dealer triggers by activity, currency and rule version; do not present a sector threshold as universal.
- الأدلة الواجب الاحتفاظ بها
- Rule register, configuration and tests.
- المصدر الأساسي
- AMLA; AMLO; AMLO-FINMA
Classify payment and deposit-taking models before launch.
- إجراء التنفيذ
- Map accounts, wallets, settlement, custody, agents and public deposits to AMLA, Banking Act, FinTech-licence and payment-system requirements.
- الأدلة الواجب الاحتفاظ بها
- Product memo, authorisation and control tests.
- المصدر الأساسي
- Banking Act article 1b; FinMIA; FINMA FinTech guidance
Apply AML and licensing rules to crypto services.
- إجراء التنفيذ
- Classify exchange, transfer, custody, wallet, token and DLT-trading functions; join the required supervisory framework and implement travel-rule controls.
- الأدلة الواجب الاحتفاظ بها
- Classification, FINMA/SRO status and transfer tests.
- المصدر الأساسي
- AMLA; FinMIA; FINMA Guidance 02/2019 and 08/2023
08Targeted financial sanctionsUse current Swiss ordinances and the SECO sanctions database.3 عناصر+
Screen current designations, ownership and control.
- إجراء التنفيذ
- Screen relevant parties at onboarding, transactions and list updates against the SECO search database and applicable ordinance annexes.
- الأدلة الواجب الاحتفاظ بها
- List versions, screening logs and match decisions.
- المصدر الأساسي
- Embargo Act; programme-specific Federal Council ordinances
Implement freezes and reporting without delay where required.
- إجراء التنفيذ
- Prevent prohibited dealing, make required declarations to SECO or the named authority and preserve the exact ordinance-specific timing and scope.
- الأدلة الواجب الاحتفاظ بها
- Ordinance, restriction timestamp and report receipt.
- المصدر الأساسي
- Applicable sanctions ordinance; SECO sanctions guidance
Use licences, exemptions and release only under written authority.
- إجراء التنفيذ
- Apply the programme-specific procedure and preserve every condition and approval.
- الأدلة الواجب الاحتفاظ بها
- Legal analysis, permission and release record.
- المصدر الأساسي
- Embargo Act and applicable ordinance
09Records and regulator accessRetention triggers are record-specific.3 عناصر+
Retain AML records for ten years.
- إجراء التنفيذ
- Run the period from termination of the business relationship or completion of the transaction, as applicable, and preserve reconstructable evidence.
- الأدلة الواجب الاحتفاظ بها
- Schedule, trigger, samples and retrieval test.
- المصدر الأساسي
- AMLA article 7
Preserve SAR, CDD, monitoring and governance evidence.
- إجراء التنفيذ
- Keep decisions, supporting material, acknowledgements, training, controls and audits subject to lawful holds and sector rules.
- الأدلة الواجب الاحتفاظ بها
- Case files, schedule and legal holds.
- المصدر الأساسي
- AMLA articles 7-9
Produce complete records to competent authorities.
- إجراء التنفيذ
- Maintain controlled access and an auditable process for FINMA, supervisory bodies, MROS and other lawful requests.
- الأدلة الواجب الاحتفاظ بها
- Access matrix, production log and integrity checks.
- المصدر الأساسي
- AMLA and applicable supervisory law
10Privacy, biometrics, breaches, and transfersApply the Federal Act on Data Protection and sector secrecy together.4 عناصر+
Map processing, transparency and data-subject rights.
- إجراء التنفيذ
- Inventory personal data, purposes, processors, retention and disclosures; issue required information and support access, correction and other rights.
- الأدلة الواجب الاحتفاظ بها
- Data map, notices, contracts and rights log.
- المصدر الأساسي
- FADP articles 6, 8, 19 and 25
Assess high-risk and biometric processing.
- إجراء التنفيذ
- Treat biometric data that uniquely identifies a person as sensitive, apply privacy by design and conduct a data-protection impact assessment where processing is likely high risk.
- الأدلة الواجب الاحتفاظ بها
- DPIA, controls, test results and approvals.
- المصدر الأساسي
- FADP articles 5, 7 and 22
Notify qualifying data-security breaches as soon as possible.
- إجراء التنفيذ
- Assess likely high risk, notify the FDPIC as soon as possible and inform affected persons where necessary for their protection.
- الأدلة الواجب الاحتفاظ بها
- Incident chronology, risk assessment and notifications.
- المصدر الأساسي
- FADP article 24
Control cross-border disclosures.
- إجراء التنفيذ
- Use an adequate destination or an Article 16 safeguard, meet FDPIC notification requirements where applicable, or document a narrow Article 17 exception.
- الأدلة الواجب الاحتفاظ بها
- Transfer map, mechanism, assessment and notices.
- المصدر الأساسي
- FADP articles 16-17; DPO
11Practical evidence packsEvidence must reconstruct decisions end to end.3 عناصر+
Maintain an onboarding pack.
- إجراء التنفيذ
- Bundle identity, authority, KYB, beneficial ownership, PEP, sanctions, purpose, risk, privacy and approvals.
- الأدلة الواجب الاحتفاظ بها
- Complete sample and retrieval result.
- المصدر الأساسي
- Operational control supporting AMLA articles 3-8
Maintain SAR and sanctions case packs.
- إجراء التنفيذ
- Link activity, analysis, decision time, report, receipt, confidentiality, restrictions and communications.
- الأدلة الواجب الاحتفاظ بها
- Case pack, timeline and access record.
- المصدر الأساسي
- AMLA articles 9-10a; applicable sanctions ordinance
Maintain a launch and legal-change pack.
- إجراء التنفيذ
- Record perimeter, licences, transparency-register transition, reporting, sanctions, privacy, vendors, current thresholds and tests.
- الأدلة الواجب الاحتفاظ بها
- Signed pack, source register and approvals.
- المصدر الأساسي
- Official sources listed below
سجل المصادر الأساسية
18 مصدرًا مستخدمًا في هذه القائمة
استخدم هذه الروابط للتحقق من التشريعات وإرشادات الجهات الرقابية وإجراءات الإبلاغ والبيانات الدولية.
- Federal Anti-Money Laundering Act (AMLA; SR 955.0)Fedlex · Primary legislation - official consolidated text
- Federal Council brings new anti-money laundering rules into forceFederal Office of Justice · Official commencement notice
- Swiss Transparency RegisterFederal Office of Justice · Official registry guidance
- Combating money laundering in financial-market supervisionFINMA · Official supervisory guidance
- Money Laundering Reporting Office SwitzerlandFederal Office of Police · Official FIU guidance
- MROS entering and submitting reportsFederal Office of Police · Official filing guidance
- FINMA video and online identification revisionFINMA · Official supervisory circular notice
- FinTech financial services providersFINMA · Official perimeter and licensing guidance
- FinTech licenceFINMA · Official licensing guidance
- FINMA Guidance 02/2019 - payments on the blockchainFINMA · Official supervisory guidance
- Swiss sanctions portalState Secretariat for Economic Affairs · Official sanctions register and guidance
- Federal Act on Data ProtectionFedlex · Primary legislation - official consolidated text
- FDPIC data-breach guidanceFederal Data Protection and Information Commissioner · Official privacy guidance
- FDPIC cross-border transfer guidanceFederal Data Protection and Information Commissioner · Official privacy guidance
- FATF Switzerland country assessment pageFATF · Authoritative assessment
- FATF increased monitoring - 19 June 2026FATF · Authoritative current public-list status
- FATF call for action - 19 June 2026FATF · Authoritative current public-list status
- Using the Swiss cross and coat of armsSwiss Federal Institute of Intellectual Property · Official public-sign guidance
إجابات مباشرة
أسئلة KYC وKYB وAML في سويسرا
Who receives suspicious activity reports?+
MROS receives reports through the prescribed goAML route.
When must a report be filed?+
Immediately when the conditions in AMLA Article 9 are met; preserve the trigger analysis and decision time.
How long are AML records retained?+
Ten years after termination of the relationship or completion of the transaction, as applicable, under AMLA Article 7.
Is the transparency register live?+
Yes. It began operating on 1 October 2026; determine the applicable entity scope and transition period before fixing a filing date.
Is there one universal transaction threshold?+
No. Identification and enhanced-control thresholds depend on the activity and controlling FINMA, federal or self-regulatory rule.
Can onboarding be electronic?+
Yes where the applicable FINMA circular and supervisory rules permit the method; the revised Circular 2016/7 takes effect on 1 November 2026.
Are crypto-asset services regulated?+
Many exchange, transfer, custody, wallet and DLT activities are subject to AMLA and may also require FINMA authorisation or SRO affiliation.
When is a privacy breach notified?+
A breach likely to result in high risk must be notified to the FDPIC as soon as possible; affected persons are informed where necessary for their protection.
Is Switzerland on a FATF public list?+
No at 19 June 2026. 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 information, not legal advice. Reviewed 9 October 2026. Confirm controlling German, French and Italian texts, transition periods under the new transparency regime, current FINMA/SRO rules, sector thresholds, MROS procedures, sanctions ordinances, registry practice, privacy guidance and licence conditions with the competent authority and qualified Swiss counsel.