فنزويلا KYC, KYB & AML compliance checklist
قائمة عملية وموثقة بالمصادر لتنفيذ متطلبات KYC وKYB وAML في فنزويلا.
- تاريخ آخر مراجعة
- تاريخ آخر مراجعة:
- الإصدار
- الإصدار 1.0
إجابة مباشرة
ما الذي تغطيه قائمة الامتثال الخاصة بـ فنزويلا؟
تحوّل قائمة فنزويلا 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
- Unidad Nacional de Inteligencia Financiera (UNIF)
- Primary framework
- LOCDOFT and activity-specific supervisor rules
- Suspicion reporting
- Attempted or completed suspicious activity, regardless of amount, to UNIF; timing is sector-specific
- Beneficial ownership
- Identify and verify under the applicable sector rule; no single public central BO register confirmed
- Retention
- At least five years; banking and insurance sector rules may require ten years
- FATF status
- Increased monitoring as at 19 June 2026
تفاصيل التنفيذ
متطلبات وإجراءات الامتثال في فنزويلا
افتح كل مجال لمراجعة المتطلب وإجراء التنفيذ المقترح والأدلة الواجب الاحتفاظ بها والمصدر الأساسي.
01Scope, authorities, and licensingResolve the entity, activity and supervisor before selecting controls.3 عناصر+
Determine whether each activity is a reporting entity under LOCDOFT or a sector rule.
- إجراء التنفيذ
- Map the legal entity, products, customers and channels to LOCDOFT articles 7-9 and the current supervisor perimeter; obtain local advice for gaps.
- الأدلة الواجب الاحتفاظ بها
- Applicability memo, product map and authority or counsel confirmation.
- المصدر الأساسي
- LOCDOFT arts. 7-9; applicable sector rule
Treat UNIF as the national FIU and reporting recipient.
- إجراء التنفيذ
- Complete applicable RUSO and supervisor onboarding, nominate authorised users and test the prescribed UNIF channel.
- الأدلة الواجب الاحتفاظ بها
- Registrations, user approvals, access test and reporting procedure.
- المصدر الأساسي
- LOCDOFT arts. 13 and 25
Obtain authorisation before regulated banking, insurance, securities, payments, exchange or virtual-asset activity.
- إجراء التنفيذ
- Classify the model with the competent supervisor and obtain every licence or registration before launch.
- الأدلة الواجب الاحتفاظ بها
- Perimeter analysis, authority correspondence and licence register.
- المصدر الأساسي
- Applicable sector legislation and supervisor rules
02Governance and risk assessmentControls must reflect the sector and Venezuela-specific risk.2 عناصر+
Maintain documented AML/CFT/CPF risk governance.
- إجراء التنفيذ
- Approve customer, product, channel, geography, sanctions and technology assessments and proportionate controls.
- الأدلة الواجب الاحتفاظ بها
- Board approvals, risk assessment, manual, testing and remediation log.
- المصدر الأساسي
- LOCDOFT arts. 8 and 10-19; applicable sector rule
Appoint the required compliance function.
- إجراء التنفيذ
- Confirm eligibility, independence, resources, reporting line and registration or approval requirements with the relevant supervisor.
- الأدلة الواجب الاحتفاظ بها
- Appointment, role profile, authority filing and board minutes.
- المصدر الأساسي
- Applicable SUDEBAN, SUDEASEG, SUNAVAL, SAREN or other sector rule
03Natural-person identificationCDD uses reliable documents, data and risk-sensitive verification.3 عناصر+
Identify and verify the customer before or while establishing the relationship.
- إجراء التنفيذ
- Collect identity, address, occupation or activity, purpose and expected activity and authenticate evidence under the applicable rule.
- الأدلة الواجب الاحتفاظ بها
- Identity file, verification output, customer profile and approval.
- المصدر الأساسي
- LOCDOFT arts. 11-12 and 16
Identify representatives and verify authority.
- إجراء التنفيذ
- Verify the representative and customer and authenticate the power or mandate before acting.
- الأدلة الواجب الاحتفاظ بها
- Identity results, power, authority check and approval.
- المصدر الأساسي
- LOCDOFT art. 16; applicable sector rule
Escalate incomplete or unreliable CDD without assuming an unrestricted exit right.
- إجراء التنفيذ
- Do not establish an unidentified relationship; for an existing relationship, document legal review because LOCDOFT article 15 may require judicial authority to suspend, close or cancel service, and assess a confidential SAR.
- الأدلة الواجب الاحتفاظ بها
- Exception, legal review, service decision and SAR analysis.
- المصدر الأساسي
- LOCDOFT arts. 11, 13 and 15; sector rule
04KYB, registries, and beneficial ownershipRegistry evidence does not replace ownership and control analysis.3 عناصر+
Verify legal existence, purpose, address, governance and authority.
- إجراء التنفيذ
- Obtain current Commercial Registry, constitutive, RIF, director, signatory and power evidence and reconcile changes.
- الأدلة الواجب الاحتفاظ بها
- Registry extract, constitutive documents, RIF and powers.
- المصدر الأساسي
- Commercial Code arts. 201-336; Registries and Notaries Law; sector rule
Identify and verify natural-person beneficial owners under the applicable sector rule.
- إجراء التنفيذ
- Trace ownership and control layers, document the sector definition used and do not invent a universal ownership threshold or fallback test.
- الأدلة الواجب الاحتفاظ بها
- Ownership chart, source records, control analysis and verified identities.
- المصدر الأساسي
- LOCDOFT art. 16; SUDEBAN Resolution 083.18 art. 49; applicable sector rule
Treat SAREN as a basic-information source, not a confirmed comprehensive public BO register.
- إجراء التنفيذ
- Obtain authorised registry evidence and supplement it with customer and independent records; investigate discrepancies.
- الأدلة الواجب الاحتفاظ بها
- Registry record, access basis, supporting records and discrepancy decision.
- المصدر الأساسي
- Registries and Notaries Law; CFATF Venezuela MER, R.24
05PEPs, EDD, and remote onboardingHigh-risk cases require sector-specific enhanced measures.3 عناصر+
Detect domestic and foreign PEPs, relatives and close associates.
- إجراء التنفيذ
- Screen customers and connected persons and extend screening to beneficial owners as an internal risk control where the sector text is incomplete.
- الأدلة الواجب الاحتفاظ بها
- Screening, match decision and relationship map.
- المصدر الأساسي
- LOCDOFT arts. 4.19 and 18; applicable sector rule
Apply PEP approval, provenance and monitoring measures required by the sector.
- إجراء التنفيذ
- Obtain senior approval, source-of-funds and source-of-wealth evidence and enhanced monitoring to the extent required and risk-appropriate.
- الأدلة الواجب الاحتفاظ بها
- Approval, provenance evidence and monitoring plan.
- المصدر الأساسي
- SUDEBAN Circular SIB-DSB-OPCLC-00161; sector PEP rule
Control non-face-to-face and technology risk.
- إجراء التنفيذ
- Validate identity, liveness, device, fraud, security and exception controls before relying on remote onboarding.
- الأدلة الواجب الاحتفاظ بها
- Remote-onboarding assessment, tests and exceptions.
- المصدر الأساسي
- Applicable sector technology and CDD rules
06Monitoring and suspicious reportingUNIF reporting is confidential; scope and timing require careful sector mapping.3 عناصر+
Monitor activity 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
- LOCDOFT arts. 12-13; applicable sector rule
Report attempted or completed suspicious activity to UNIF regardless of amount.
- إجراء التنفيذ
- Apply the current sector trigger and deadline; do not substitute the general 30-day UNIF circular where a different binding sector period applies.
- الأدلة الواجب الاحتفاظ بها
- SAR decision, chronology, submission and acknowledgement.
- المصدر الأساسي
- LOCDOFT arts. 4.2 and 13; applicable supervisor rule
Prevent tipping off and protect SAR confidentiality.
- إجراء التنفيذ
- Restrict access and prevent disclosure that a SAR was filed or that related activity is under review.
- الأدلة الواجب الاحتفاظ بها
- Access logs, procedure and training.
- المصدر الأساسي
- LOCDOFT art. 14
07Payments, wires, thresholds, and agentsObjective reporting and payment requirements vary by activity.3 عناصر+
Configure only applicable cash and objective reports.
- إجراء التنفيذ
- Confirm report type, threshold, currency conversion, aggregation, period and deadline with the current sector rule and UNIF channel before configuration.
- الأدلة الواجب الاحتفاظ بها
- Rule copy, mapping, tests and receipts.
- المصدر الأساسي
- LOCDOFT art. 17; applicable sector rule
Preserve originator and beneficiary data for wire transfers.
- إجراء التنفيذ
- For bank transfers, apply the current SUDEBAN wire rule regardless of value and control missing information.
- الأدلة الواجب الاحتفاظ بها
- Payment message, validation and exception decision.
- المصدر الأساسي
- SUDEBAN Circular SIB-DSB-UNIF-19610
Retain accountability for agents and outsourcing.
- 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
- Applicable sector governance and outsourcing rules
08Targeted financial sanctionsThe framework has material technical gaps; legal escalation is essential.3 عناصر+
Screen applicable UN designations and national notices.
- إجراء التنفيذ
- Screen customers, beneficial owners, counterparties and transactions at onboarding, list updates and before execution.
- الأدلة الواجب الاحتفاظ بها
- List source, update log, match logic and dispositions.
- المصدر الأساسي
- UN Security Council consolidated list; national Resolution 122 and Resolution 158 framework
Escalate potential matches immediately under the live sector and national process.
- إجراء التنفيذ
- Prevent unauthorised movement where legally supported, notify compliance and obtain the competent authority route before freeze, report, reject or release action.
- الأدلة الواجب الاحتفاظ بها
- Match file, timestamps, legal basis and authority communications.
- المصدر الأساسي
- Resolutions 122 and 158; applicable sector rule
Do not overstate proliferation-financing freeze powers.
- إجراء التنفيذ
- Record the legal basis for each PF action; CFATF rated Recommendation 7 non-compliant in the 2025 follow-up.
- الأدلة الواجب الاحتفاظ بها
- Legal analysis, authority instruction and controlled disposition.
- المصدر الأساسي
- CFATF Venezuela 2025 follow-up, R.7
09Records and regulator accessRetention varies between the statutory floor and sector overlays.3 عناصر+
Retain transaction records for at least five years after completion.
- إجراء التنفيذ
- Apply any longer sector period; banking and insurance rules identified by CFATF extend relevant retention to ten years.
- الأدلة الواجب الاحتفاظ بها
- Schedule, legal mapping, archive sample and deletion control.
- المصدر الأساسي
- LOCDOFT art. 10; SUDEBAN Resolution 083.18 art. 69; SUDEASEG Resolution SAA-8-004-2021 arts. 8 and 84
Retain CDD and correspondence for at least five years after relationship end or the occasional transaction.
- إجراء التنفيذ
- Link identity, ownership, monitoring and reporting support under stable identifiers and apply longer sector rules.
- الأدلة الواجب الاحتفاظ بها
- CDD archive, case files and retrieval test.
- المصدر الأساسي
- LOCDOFT art. 10; applicable sector rule
Respond to lawful UNIF 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
- LOCDOFT arts. 8.6 and 25.2
10Privacy, biometrics, and transfersNo comprehensive general personal-data statute was confirmed; constitutional and sector duties remain relevant.3 عناصر+
Document the lawful and proportionate basis for identity and AML processing.
- إجراء التنفيذ
- Map purpose, necessity, notice, security, retention, access and disclosure against constitutional habeas-data and sector duties.
- الأدلة الواجب الاحتفاظ بها
- Data inventory, legal-basis memo, notices and rights procedure.
- المصدر الأساسي
- Constitution arts. 28 and 60; applicable sector confidentiality rules
Apply enhanced safeguards to biometric and sensitive data.
- إجراء التنفيذ
- Minimise collection, restrict access, test security, document necessity and assess cross-border vendor and transfer risk.
- الأدلة الواجب الاحتفاظ بها
- Impact assessment, security tests, access controls and transfer analysis.
- المصدر الأساسي
- Constitution arts. 28 and 60; applicable special law and contract
Recheck legislative change before launch.
- إجراء التنفيذ
- Confirm whether a comprehensive data-protection law or implementing authority has become applicable after this review date.
- الأدلة الواجب الاحتفاظ بها
- Dated legal update and counsel or authority confirmation.
- المصدر الأساسي
- CFATF Venezuela MER, R.2; current official gazette
11Practical evidence packsKeep concise packs that reproduce each decision.2 عناصر+
Maintain a reconstructable onboarding pack.
- إجراء التنفيذ
- Bundle identity, KYB, ownership, screening, risk, approvals and exceptions.
- الأدلة الواجب الاحتفاظ بها
- Complete sampled onboarding pack.
- المصدر الأساسي
- Operational control supporting LOCDOFT arts. 10-18
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 LOCDOFT arts. 10 and 13-14
سجل المصادر الأساسية
8 مصدرًا مستخدمًا في هذه القائمة
استخدم هذه الروابط للتحقق من التشريعات وإرشادات الجهات الرقابية وإجراءات الإبلاغ والبيانات الدولية.
- Organic Law against Organized Crime and Terrorist Financing - legal analysis and operative provisionsCFATF / FATF · Authoritative mutual evaluation with statute citations
- Venezuela mutual evaluation and 2025 technical ratingsFATF · Authoritative country assessment
- Venezuela country page and current monitoring historyFATF · Authoritative country status
- Jurisdictions under increased monitoring - 19 June 2026FATF · Authoritative current status
- Venezuela third enhanced follow-up report announcementCFATF · Authoritative follow-up
- National securities supervisorSUNAVAL · Official financial supervisor
- Constitution of the Bolivarian Republic of VenezuelaSupreme Court of Justice · Primary constitutional text
- United Nations Security Council consolidated sanctions listUnited Nations · Authoritative sanctions list
إجابات مباشرة
أسئلة KYC وKYB وAML في فنزويلا
Who receives suspicious activity reports in Venezuela?+
The Unidad Nacional de Inteligencia Financiera (UNIF).
When is a SAR filed?+
LOCDOFT covers attempted or completed suspicious activity regardless of amount. Filing periods vary by sector, so apply the current supervisor rule rather than inventing one universal deadline.
Is there one universal cash-report threshold?+
No universal amount should be assumed. Confirm the report, threshold, aggregation and deadline applicable to the entity and activity.
How long are AML records retained?+
LOCDOFT sets a five-year minimum. Banking and insurance rules identified by CFATF can require ten years for specified records.
Is beneficial ownership only a registry check?+
No. Apply the relevant sector definition and verify natural-person ownership and control; SAREN basic information does not replace customer due diligence.
What happens on a sanctions match?+
Escalate immediately, preserve the status quo where legally supported, and follow the competent authority and sector process. Venezuela's TF and PF targeted-sanctions framework has documented technical gaps.
Does Venezuela have a comprehensive general data-protection law?+
None was confirmed as applicable at the 14 August 2026 review. Constitutional habeas-data, privacy, secrecy and special-sector duties still require documented safeguards.
Is Venezuela on a FATF public list?+
Yes. It remained under increased monitoring on 19 June 2026. FATF does not call for automatic enhanced due diligence solely because of listing; use a documented risk-based approach.
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 14 August 2026. Confirm reporting-entity status, current sector rules, RUSO and UNIF filing specifications, cash-report parameters, beneficial-owner tests, sanctions mechanics, privacy basis, product licensing and official-portal availability with the competent supervisor and qualified Venezuelan counsel before launch.