Arménie KYC, KYB & AML compliance checklist
Une checklist pratique et sourcée pour mettre en œuvre les exigences KYC, KYB et AML en Arménie.
- Dernière revue
- Dernière revue:
- Version
- Version 1.0
Guide d’implémentation portable
Obtenir la checklist PDF
11 domaines de contrôle · 40 contrôles d’implémentation
Dernière revue: 9 November 2026 · Version 1.0
Télécharger la checklistRéponse directe
Que couvre la checklist de conformité pour Arménie ?
La checklist pour Arménie traduit les principales règles KYC, KYB et AML en 11 domaines de contrôle et 40 contrôles d’implémentation, avec les autorités, obligations de déclaration et preuves à conserver.
Faits réglementaires clés
- Primary AML law
- Law on Combating Money Laundering and Terrorism Financing
- FIU
- Financial Monitoring Center of the Central Bank
- General mandatory report
- Transactions above AMD 20 million, subject to statutory exceptions
- Real-estate mandatory report
- Transactions above AMD 50 million
- Suspicious reporting
- Same business day; if impossible, by 12:00 next business day under applicable rules
- Beneficial owner
- 20% ownership/participation, other actual control, then management fallback
- Records
- At least 5 years
- FATF public lists
- Not listed at October 2026
Détail d’implémentation
Exigences et actions de conformité pour Arménie
Ouvrez chaque domaine pour consulter l’exigence, l’action recommandée, les preuves à conserver et la source primaire utilisée.
01Scope, authorities, and licensingClassify the activity and competent supervisor before launch.3 éléments+
Determine whether each activity is a reporting-entity activity.
- Action d’implémentation
- Map banking, credit, payment, securities, insurance, gambling, legal, accounting, real-estate, precious-metals, crypto-asset and other services to the current statutory perimeter; do not transfer one sector's rules to another.
- Preuves à conserver
- Perimeter memo, service map and source register.
- Source primaire
- AML/CFT Law, Articles 3-4
Obtain every required licence or registration.
- Action d’implémentation
- Confirm Central Bank or other competent-authority requirements before banking, payment, electronic-money, securities, insurance, lending, exchange, gambling or crypto-asset activity.
- Preuves à conserver
- Licence matrix, approvals, registrations and conditions.
- Source primaire
- Applicable sector legislation and Central Bank regulations
Use FMC and the correct supervisor.
- Action d’implémentation
- Maintain a dated authority map and the prescribed reporting form, online channel and escalation route for the entity type.
- Preuves à conserver
- Authority map, portal access and acknowledgements.
- Source primaire
- AML/CFT Law, Articles 10-11; sector reporting rules
02Governance and risk assessmentControls must be risk-based, approved and tested.3 éléments+
Document institutional and customer ML/TF/PF risk assessments.
- Action d’implémentation
- Assess customer, beneficial owner, geography, product, service, transaction, delivery-channel, technology and group risks; update after material change.
- Preuves à conserver
- Methodology, assessments, approvals and remediation.
- Source primaire
- AML/CFT Law, Article 4 and applicable Central Bank regulation
Maintain compliant internal legal acts and an internal monitoring function.
- Action d’implémentation
- Document governance, responsible staff, CDD, screening, monitoring, reporting, training, quality assurance and independent review proportionate to risk.
- Preuves à conserver
- Internal acts, appointments, training and test reports.
- Source primaire
- AML/CFT Law, Articles 23-24
Keep controls aligned with current FMC indicators and sector instruments.
- Action d’implémentation
- Map official high-risk criteria, typologies and reporting rules to scenarios and review them after legal, product or risk change.
- Preuves à conserver
- Rule inventory, mapping and change log.
- Source primaire
- AML/CFT Law; current FMC/Central Bank guidance
03Natural-person identificationCDD applies before relationships and occasional transactions, subject to narrow exceptions.5 éléments+
Identify and verify the customer before service.
- Action d’implémentation
- Obtain required identity information and verify it using reliable independent sources before establishing a relationship or occasional transaction, unless a documented statutory delayed-verification condition applies.
- Preuves à conserver
- Identity record, verification result and provenance.
- Source primaire
- AML/CFT Law, Article 15
Establish purpose and intended nature and monitor the relationship.
- Action d’implémentation
- Record expected activity, source information where required and a risk classification; keep identity and profile information current.
- Preuves à conserver
- Customer profile, risk decision and refresh history.
- Source primaire
- AML/CFT Law, Article 16
Identify the authorised person and validate authority.
- Action d’implémentation
- Verify identity and documentary or legal authority before accepting instructions on behalf of a customer.
- Preuves à conserver
- Representative KYC, mandate and validation.
- Source primaire
- AML/CFT Law, Articles 3 and 16
Apply CDD regardless of amount when suspicion or doubt exists.
- Action d’implémentation
- Refresh or complete CDD where information is doubtful, circumstances change or ML/TF suspicion arises; follow reporting and tipping-off controls.
- Preuves à conserver
- Trigger log, refreshed evidence and decision.
- Source primaire
- AML/CFT Law, Articles 7, 15-16
Stop or refuse where required CDD cannot be completed.
- Action d’implémentation
- Do not establish or continue the relationship or complete the transaction where the law prohibits service; assess whether an FMC report is required.
- Preuves à conserver
- Failure record, decision and reporting assessment.
- Source primaire
- AML/CFT Law, Articles 16 and 27
04KYB and beneficial ownershipVerify existence, authority, ownership and actual control.4 éléments+
Verify the legal person or legal arrangement.
- Action d’implémentation
- Obtain reliable registry and constitutional evidence, business purpose, management, representation and ownership/control structure.
- Preuves à conserver
- Registry extract, governing documents and validation.
- Source primaire
- AML/CFT Law, Articles 15-16
Apply the statutory beneficial-owner cascade.
- Action d’implémentation
- Identify natural persons with direct or indirect 20% or more voting ownership or capital participation, persons with other actual control, and the management fallback where no such natural person exists under the current law.
- Preuves à conserver
- Ownership chart, control analysis, identities and fallback rationale.
- Source primaire
- AML/CFT Law, Article 3(1), beneficial-owner definition
Identify parties to trusts and similar arrangements.
- Action d’implémentation
- Map settlor, trustee, protector where applicable, beneficiaries or class and every other ultimate controller under the current legal test.
- Preuves à conserver
- Arrangement documents, role map and verification.
- Source primaire
- AML/CFT Law, Articles 3 and 16
Reconcile the beneficial-owner declaration with CDD.
- Action d’implémentation
- Compare the State Registry declaration, customer evidence and reliable independent sources; investigate discrepancies rather than relying solely on the declaration.
- Preuves à conserver
- Declaration, registry result, discrepancy log and resolution.
- Source primaire
- AML/CFT Law, Article 9; State Registration Law
05PEPs, EDD, and remote onboardingHigher-risk relationships need enhanced controls.3 éléments+
Identify PEPs, family members and close associates.
- Action d’implémentation
- Screen customers and beneficial owners; obtain senior-management approval, establish source of wealth/funds and apply enhanced monitoring where required.
- Preuves à conserver
- Screening, classification, approval and corroboration.
- Source primaire
- AML/CFT Law, Article 16; applicable Central Bank regulation
Apply enhanced due diligence for higher risk.
- Action d’implémentation
- Obtain additional identity, ownership, purpose, source and transaction evidence and increase monitoring proportionately.
- Preuves à conserver
- EDD checklist, evidence, approval and monitoring plan.
- Source primaire
- AML/CFT Law, Article 16
Control non-face-to-face onboarding.
- Action d’implémentation
- Apply current FMC/Central Bank safeguards, authentication and risk mitigation; preserve liveness, fraud, exception and test evidence.
- Preuves à conserver
- Method assessment, session record and tests.
- Source primaire
- AML/CFT Law, Article 16; current minimum-requirements regulation
06Monitoring and suspicious reportingDetection and reporting must meet event-specific timing.4 éléments+
Monitor relationships and document unusual activity analysis.
- Action d’implémentation
- Detect inconsistent, complex, unusual, attempted and high-risk activity and document facts, rationale, source information and outcome.
- Preuves à conserver
- Scenarios, alerts, analysis, tuning and governance.
- Source primaire
- AML/CFT Law, Articles 7 and 16
Report suspicious transactions, attempts and relationships to FMC.
- Action d’implémentation
- Use the prescribed sector form and channel during the same business day or, where the applicable rule permits because same-day filing is impossible, by 12:00 of the next business day.
- Preuves à conserver
- Suspicion timestamp, report, receipt and exception rationale.
- Source primaire
- AML/CFT Law, Articles 7-8; applicable sector reporting rule
Apply suspension or rejection controls where legally triggered.
- Action d’implémentation
- Classify the transaction, apply the financial institution's statutory suspension authority or FMC instruction and preserve the exact timing and release basis.
- Preuves à conserver
- Hold timestamp, report, instruction and release record.
- Source primaire
- AML/CFT Law, Articles 26-27
Prevent tipping off and protect reports.
- Action d’implémentation
- Restrict access and communications concerning suspicious reports, analysis and FMC instructions except where law permits.
- Preuves à conserver
- Access controls, communication review and training.
- Source primaire
- AML/CFT Law, Articles 5-6
07Mandatory reporting, wires, payments, and crypto-assetsThreshold reports and regulated products require separate controls.5 éléments+
Configure the general mandatory-reporting threshold.
- Action d’implémentation
- Report transactions above AMD 20 million under the current rule, subject to the entity-specific scope and statutory or regulatory exceptions; do not treat this as a universal CDD threshold.
- Preuves à conserver
- Threshold table, configurations, tests and reports.
- Source primaire
- AML/CFT Law, Article 5; FMC FAQ
Configure the real-estate reporting threshold separately.
- Action d’implémentation
- Report covered real-estate transactions above AMD 50 million and apply the separate restriction on cash payment for the portion exceeding that threshold where relevant.
- Preuves à conserver
- Legal classification, report and payment evidence.
- Source primaire
- AML/CFT Law, Articles 5 and 15; FMC FAQ
Carry and screen required wire-transfer information.
- Action d’implémentation
- Apply current originator, beneficiary, intermediary, missing-data and screening controls for the institution's role.
- Preuves à conserver
- Field matrix, samples, screening and repair queue.
- Source primaire
- AML/CFT Law, Article 20
Obtain payment-service authorization before launch.
- Action d’implémentation
- Map each service to the Payment Systems and Payment Organizations Law; obtain the relevant Central Bank licence and electronic-money permission.
- Preuves à conserver
- Product memo, licence result and conditions.
- Source primaire
- Payment Systems and Payment Organizations Law; Regulations 17/01-17/03
Apply the crypto-asset licensing transition accurately.
- Action d’implémentation
- Classify the service under the Crypto-Assets Law; obtain Central Bank registration/licensing where currently required and document whether the statutory transition to 31 January 2027 applies.
- Preuves à conserver
- Classification, licence/transition analysis and control tests.
- Source primaire
- Crypto-Assets Law; Central Bank crypto-asset provider guidance
08Targeted financial sanctionsUse live lists and freeze without prior notice.3 éléments+
Screen current UN and Armenian designations.
- Action d’implémentation
- Screen customers, owners, representatives and transactions at onboarding, on list updates and throughout the relationship according to risk.
- Preuves à conserver
- List version, logs and match decisions.
- Source primaire
- AML/CFT Law, Article 28
Freeze covered property immediately without prior notice.
- Action d’implémentation
- Freeze property owned or controlled by listed terrorism or proliferation-related persons and property of persons acting for them; submit required information to FMC.
- Preuves à conserver
- Designation, freeze timestamp, asset inventory and report.
- Source primaire
- AML/CFT Law, Article 28
Control permitted access, unfreezing and false positives.
- Action d’implémentation
- Release or permit access only on documented legal authority and preserve every condition, decision and communication.
- Preuves à conserver
- Authority decision, conditions and release record.
- Source primaire
- AML/CFT Law and implementing sanctions procedure
09Records and authority accessRecords must reconstruct decisions and transactions.3 éléments+
Retain CDD, account, correspondence and transaction records for at least five years.
- Action d’implémentation
- Run the applicable period from relationship termination or transaction completion and preserve records in retrievable, evidentially usable form.
- Preuves à conserver
- Retention schedule, archive and retrieval test.
- Source primaire
- AML/CFT Law, Article 22
Retain reports, analyses and non-reporting rationale.
- Action d’implémentation
- Preserve suspicious and mandatory reports, supporting material and documented analysis of activity not ultimately reported for the statutory period.
- Preuves à conserver
- Case archive, rationale and integrity controls.
- Source primaire
- AML/CFT Law, Articles 7-8 and 22
Produce records to FMC and supervisors lawfully.
- Action d’implémentation
- Operate controlled retrieval, approval and production procedures that preserve confidentiality and evidence every authority request and response.
- Preuves à conserver
- Request log, production, approval and receipt.
- Source primaire
- AML/CFT Law, Articles 10-11 and 22
10Privacy, biometrics, incidents, and transfersAML processing remains subject to privacy and security law.4 éléments+
Document lawful and proportionate processing.
- Action d’implémentation
- Map purpose, legal basis, notice, minimization, accuracy, storage, rights and AML retention under the Personal Data Protection Law.
- Preuves à conserver
- Data map, notices, legal-basis register and rights log.
- Source primaire
- Personal Data Protection Law
Protect biometric and special-category data.
- Action d’implémentation
- Use biometric data only under an applicable condition and apply technical, organisational, access, accuracy, vendor and deletion controls.
- Preuves à conserver
- Assessment, architecture, tests and approvals.
- Source primaire
- Personal Data Protection Law, including Article 19
Manage security incidents under current duties.
- Action d’implémentation
- Maintain detection, containment, assessment, documentation and authority/data-subject communication workflows without inventing a universal deadline not supported by the applicable rule.
- Preuves à conserver
- Incident chronology, assessment, notices and remediation.
- Source primaire
- Personal Data Protection Law
Control international transfers and processors.
- Action d’implémentation
- Confirm adequacy, authorization, consent or other applicable transfer condition and bind processors before access or transfer.
- Preuves à conserver
- Transfer map, legal assessment, safeguards and contracts.
- Source primaire
- Personal Data Protection Law
11Practical evidence packsEvidence must reconstruct decisions end to end.3 éléments+
Maintain an onboarding pack.
- Action d’implémentation
- Bundle identity, authority, KYB, beneficial ownership, PEP, sanctions, purpose, risk, privacy and approvals.
- Preuves à conserver
- Complete sample and retrieval result.
- Source primaire
- Operational control supporting AML/CFT Law, Articles 15-16
Maintain reporting and sanctions case packs.
- Action d’implémentation
- Link trigger, classification, decision time, report, receipt, suspension or freeze, confidentiality and authority communications.
- Preuves à conserver
- Case pack, timeline and access record.
- Source primaire
- AML/CFT Law, Articles 7-8 and 26-28
Maintain a launch and legal-change pack.
- Action d’implémentation
- Record perimeter, licences, thresholds, reporting, sanctions, privacy, vendors, source versions and control tests.
- Preuves à conserver
- Signed pack, source register and approvals.
- Source primaire
- Official sources listed below
Registre des sources primaires
15 sources utilisées pour cette checklist
Utilisez ces liens pour vérifier la législation, les lignes directrices, les procédures de déclaration et les statuts internationaux.
- AML/CFT Law - current English working translationCentral Bank of Armenia · Primary legislation - official non-binding translation
- AML/CFT Law - current official textARLIS · Primary legislation - official repository
- Financial Monitoring CenterCentral Bank of Armenia · Official FIU portal
- FMC reporting and beneficial-owner FAQCentral Bank of Armenia · Official implementation guidance
- Financial-institution AML/CFT instrumentsCentral Bank of Armenia · Official regulatory index
- State Registration LawARLIS · Primary legislation - official registry framework
- Beneficial ownership declaration serviceNational Services Gateway · Official registry service guidance
- Payment organizations licensing guideCentral Bank of Armenia · Official licensing guidance
- Crypto-asset service providersCentral Bank of Armenia · Official licensing and transition guidance
- Personal Data Protection LawARLIS · Primary legislation - official repository
- MONEYVAL Mutual Evaluation of Armenia 2026FATF / MONEYVAL · Authoritative mutual evaluation
- FATF increased-monitoring statement - October 2026FATF · Authoritative current public-list status
- FATF call-for-action statement - October 2026FATF · Authoritative current public-list status
- Law on the Flag of the Republic of ArmeniaARLIS · Primary legislation - official flag-use rules
- Law on AdvertisingARLIS · Primary legislation - respectful state-symbol use
Réponses directes
Questions KYC, KYB et AML pour Arménie
Who receives AML reports?+
The Financial Monitoring Center of the Central Bank of Armenia.
When must suspicion be reported?+
Under the applicable sector rule, during the same business day or, where same-day filing is impossible, by 12:00 of the next business day.
What is the general mandatory-reporting threshold?+
Transactions above AMD 20 million, subject to the reporting entity's scope and current statutory or regulatory exceptions.
What is the real-estate threshold?+
Covered real-estate transactions above AMD 50 million; the law also restricts cash payment for the portion exceeding that threshold.
How is a beneficial owner identified?+
Apply the 20% ownership/participation and other actual-control tests, then the current management fallback where no natural person meets those tests.
How long are AML records retained?+
At least five years under Article 22, subject to lawful longer holds or sector requirements.
Do payment and crypto-asset providers need authorization?+
Payment organizations require applicable Central Bank licensing. Crypto-asset services are regulated and licensed, with a statutory transition for qualifying pre-existing providers through 31 January 2027.
Is Armenia on a FATF public list?+
No at the October 2026 statements. The 2026 MONEYVAL mutual evaluation must still inform risk assessment; absence from a public list is not a low-risk determination.
Méthode de recherche et de revue
VOVE ID Compliance Research cartographie le périmètre réglementaire, traduit les obligations en contrôles opérationnels, relie les affirmations importantes aux sources et date chaque revue.
General information, not legal advice. Reviewed 9 November 2026. Confirm the controlling Armenian text, current FMC reporting forms and channels, sector rules, live sanctions lists, beneficial-owner filing practice, privacy requirements and licensing conditions with the competent authority and qualified Armenian counsel.