VOVE ID Compliance Research

Burkina Faso KYC, KYB & AML compliance checklist

Une checklist pratique et sourcée pour mettre en œuvre les exigences KYC, KYB et AML en Burkina Faso.

Dernière revue: Dernière revue: 25 July 2026
Version: Version 1.0

Burkina Faso KYC, KYB and AML compliance checklist cover

Réponse directe

Que couvre la checklist de conformité pour Burkina Faso ?

La checklist pour Burkina Faso 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/CFT/CPF law: Law No. 046-2024/ALT of 30 December 2024
Financial intelligence unit: CENTIF Burkina Faso
STR timing: Immediately after suspicion or reasonable grounds arise
Cash transaction report: XOF 15 million or more, including apparently linked operations
Core AML retention: 10 years under record-class-specific clocks
Beneficial ownership: Controlling ownership, other control, then senior-manager fallback
Payments authority: BCEAO within the UMOA framework
Privacy authority: Commission de l'Informatique et des Libertes (CIL)
VASP perimeter: Prior competent-authority approval or authorisation required
FATF public lists: Removed from increased monitoring in October 2025

Détail d’implémentation

Exigences et actions de conformité pour Burkina Faso

Ouvrez chaque domaine pour consulter l’exigence, l’action recommandée, les preuves à conserver et la source primaire utilisée.

01Scope, authorities and regulated activitiesResolve entity, activity and supervisor scope before onboarding or launch.4 éléments+

Financial institutions and listed designated non-financial businesses and professions are reporting persons.
Action d’implémentation
Map each entity, product, profession, branch, distributor, agent and outsourced function to Law No. 046-2024/ALT and document the responsible supervisor.
Preuves à conserver
Perimeter memorandum, entity-product map, licences and supervisor correspondence.
Source primaire
Law No. 046-2024/ALT, arts. 2-4 and 107
CENTIF receives and analyses suspicious transaction reports and may request information.
Action d’implémentation
Appoint an authorised correspondent and obtain the current CENTIF access, form and acknowledgement instructions before production reporting.
Preuves à conserver
Appointment, access record, reporting procedure and test evidence.
Source primaire
Law No. 046-2024/ALT, arts. 60, 64 and 95-103
In-scope virtual-asset services require prior approval or authorisation from the competent authority.
Action d’implémentation
Obtain a written perimeter assessment and the required approval before exchange, transfer, custody or other in-scope virtual-asset activity.
Preuves à conserver
Classification, application, approval, conditions and service map.
Source primaire
Law No. 046-2024/ALT, arts. 58-59
Regulated payment services require the applicable BCEAO authorisation.
Action d’implémentation
Map each payment, e-money, acquiring, transfer, remittance, initiation and agent function to the current UMOA payment-services framework.
Preuves à conserver
Licence or exemption analysis, BCEAO register check and partner file.
Source primaire
BCEAO Instruction No. 001-01-2024 and current authorised-institution register

02Governance, risk assessment and control ownershipBuild documented, risk-based controls with accountable governance.3 éléments+

Reporting persons must maintain internal organisation, controls and risk management proportionate to their activities.
Action d’implémentation
Approve policies for CDD, BO, PEPs, sanctions, monitoring, reporting, recordkeeping, training, screening and independent testing.
Preuves à conserver
Policy suite, approvals, control library, training and audit reports.
Source primaire
Law No. 046-2024/ALT, arts. 12-14
Money-laundering, terrorist-financing and proliferation-financing risks must be identified, assessed, documented and kept current.
Action d’implémentation
Assess customers, geographies, products, services, transactions, channels, new products and technologies before launch and on material change.
Preuves à conserver
Risk assessment, methodology, source data, change log and approvals.
Source primaire
Law No. 046-2024/ALT, art. 15
Institutions must be able to justify that customer controls are proportionate to risk.
Action d’implémentation
Define risk-rating logic, control variants, approval levels and review cycles, then test their operation.
Preuves à conserver
Risk model, decision records, samples and assurance results.
Source primaire
Law No. 046-2024/ALT, arts. 19-21 and 84-85

03Natural-person identification and CDDIdentify and verify customers, actors and beneficial owners at every statutory trigger.4 éléments+

Before a relationship or assisted transaction, collect and verify identity from reliable, independent sources and understand purpose and intended nature.
Action d’implémentation
Capture identity attributes, verify evidence provenance, identify the beneficial owner and establish the expected activity profile.
Preuves à conserver
CDD file, source provenance, verification result, purpose and risk decision.
Source primaire
Law No. 046-2024/ALT, arts. 16-17
CDD also applies to transfers, suspicion, identity doubt and applicable occasional or linked transactions.
Action d’implémentation
Configure relationship, transfer, cash aggregation, suspicion and identity-quality triggers; do not treat a threshold as a safe harbour.
Preuves à conserver
Trigger matrix, aggregation results, alerts and CDD timestamps.
Source primaire
Law No. 046-2024/ALT, arts. 17 and 49; UMOA Decision No. 021
Limited delayed verification must finish as soon as possible and before the first transaction, with effective risk controls.
Action d’implémentation
Block transaction capability until verification is complete and document why each statutory condition is satisfied.
Preuves à conserver
Deferral approval, restrictions, completion timestamp and exception testing.
Source primaire
Law No. 046-2024/ALT, art. 18
Remote relationships require particular and sufficient preventive measures.
Action d’implémentation
Use risk-calibrated document, device, liveness, biometric or equivalent safeguards and manual escalation without assuming one technology is legally sufficient.
Preuves à conserver
Remote-onboarding standard, vendor review, model tests and exceptions.
Source primaire
Law No. 046-2024/ALT, art. 22

04KYB, authority and beneficial ownershipVerify legal existence, representatives, ownership and ultimate natural-person control.4 éléments+

Legal-person and legal-arrangement CDD covers legal name, form, constitutive documents, powers, management and addresses.
Action d’implémentation
Obtain current RCCM and constitutional evidence and verify every representative's identity and authority.
Preuves à conserver
Registry extract, statutes, managers, addresses, mandate and discrepancy log.
Source primaire
Law No. 046-2024/ALT, arts. 17 and 26
The BO cascade tests controlling ownership, then control by other means, then the relevant senior managing official.
Action d’implémentation
Trace every ownership layer and control right; document why each stage did or did not identify a natural person before using the fallback.
Preuves à conserver
Ownership chart, control analysis, fallback rationale and verified BO files.
Source primaire
Law No. 046-2024/ALT, art. 26
Trusts and comparable arrangements use role-based BO tests.
Action d’implémentation
Identify and verify the settlor, trustee, protector, beneficiaries or class and every other natural person exercising ultimate control.
Preuves à conserver
Instrument, role register, identity files and control analysis.
Source primaire
Law No. 046-2024/ALT, art. 26
Companies must keep accurate, current shareholder, member and BO information; the national BO register is established by law.
Action d’implémentation
Maintain event-driven updates, reconcile RCCM and BO-register data and complete filings under the current competent-authority procedure.
Preuves à conserver
Registers, update log, filing receipts, supporting documents and discrepancies.
Source primaire
Law No. 046-2024/ALT, arts. 76-79 and 122; current competent-authority implementation instruments

05PEPs, enhanced due diligence and relianceApply stronger approval, evidence and monitoring where risk is higher.4 éléments+

PEP relationships require risk systems, senior-management approval, source-of-wealth and source-of-funds measures, and enhanced monitoring.
Action d’implémentation
Screen customers and BOs for domestic, foreign and international-organisation PEP exposure and connected-person risk.
Preuves à conserver
Screening, match rationale, source file, approval and monitoring plan.
Source primaire
Law No. 046-2024/ALT, art. 29
Institutions reassess identified PEP customer profiles every three years and retain risk-based treatment where warranted.
Action d’implémentation
Schedule the statutory reassessment and document any change to status or controls.
Preuves à conserver
Review diary, reassessment, decision and approval.
Source primaire
Law No. 046-2024/ALT, art. 29
Higher-risk relationships require enhanced measures; simplified treatment needs a demonstrated lower-risk basis and cannot override suspicion.
Action d’implémentation
Document control changes, corroboration, approvals and monitoring intensity for each risk treatment.
Preuves à conserver
EDD or SDD rationale, evidence, approval and review.
Source primaire
Law No. 046-2024/ALT, arts. 30 and 84-85
Reliance on a third party does not remove the institution's responsibility for CDD.
Action d’implémentation
Assess eligibility, obtain required information immediately, contract for document access and test retrieval.
Preuves à conserver
Due diligence, agreement, retrieval test and exceptions.
Source primaire
Law No. 046-2024/ALT, arts. 35-38

06Failed CDD, monitoring and suspicious reportingBlock unsafe activity, monitor continuously and report suspicion immediately and confidentially.4 éléments+

If required CDD cannot be completed, do not open or execute, or terminate the relationship, and submit an STR.
Action d’implémentation
Operate a controlled block or exit and preserve the confidential STR decision.
Preuves à conserver
Failure reason, block, closure, STR and acknowledgement.
Source primaire
Law No. 046-2024/ALT, art. 25
Relationships and transactions require ongoing scrutiny, current CDD and written examination of complex, unusual or apparently purposeless activity.
Action d’implémentation
Investigate source, destination, purpose and BO, refresh CDD and retain the confidential written analysis.
Preuves à conserver
Alerts, cases, report, refreshed CDD and review.
Source primaire
Law No. 046-2024/ALT, arts. 19-21
Reporting persons must immediately report suspected sums, transactions and attempted transactions to CENTIF.
Action d’implémentation
Timestamp when suspicion or reasonable grounds arose and file using the current prescribed route and model; send changes or supplements without delay.
Preuves à conserver
Internal report, analysis, STR, CENTIF receipt and timeline.
Source primaire
Law No. 046-2024/ALT, art. 60
Suspicious activity is withheld before reporting unless the statutory post-execution conditions apply; tipping off is prohibited.
Action d’implémentation
Govern holds, lawful release, post-execution reporting and restricted communications.
Preuves à conserver
Hold decision, exception rationale, access logs and communications record.
Source primaire
Law No. 046-2024/ALT, arts. 61 and 63

07Wires, cash thresholds, payments and agentsKeep CDD triggers, special examination and threshold reports distinct.4 éléments+

Cash transactions of XOF 15 million or more, including apparently linked operations, are reported to CENTIF.
Action d’implémentation
Aggregate linked activity, configure the exact in-scope entity and transaction logic, and obtain current CENTIF reporting instructions.
Preuves à conserver
Threshold configuration, tests, reports, receipts and exception record.
Source primaire
Law No. 046-2024/ALT, art. 72; UMOA Decision No. 021, art. 8
Multiple cash transactions exceeding XOF 9 million in one day or at unusual frequency trigger identification and verification for financial institutions.
Action d’implémentation
Aggregate by person and account across channels and apply CDD regardless of amount where suspicion exists.
Preuves à conserver
Aggregation logic, customer match, CDD file and testing.
Source primaire
Law No. 046-2024/ALT, art. 17(i); UMOA Decision No. 021, art. 3
Payment in cash or bearer title at XOF 50 million or more, and unusual or unjustified operations at XOF 10 million or more, require special examination.
Action d’implémentation
Investigate origin, destination, purpose and BO and retain a confidential report.
Preuves à conserver
Scenario, investigation, source evidence, report and approval.
Source primaire
Law No. 046-2024/ALT, art. 21; UMOA Decision No. 021, art. 4
Wire transfers must carry required originator and beneficiary information and deficient transfers require governed handling.
Action d’implémentation
Validate required data throughout the chain and define reject, suspend, execute, investigate and follow-up rules.
Preuves à conserver
Field matrix, validation, repair queue, samples and decisions.
Source primaire
Law No. 046-2024/ALT, arts. 39-47

08Targeted financial sanctions and CPFScreen, freeze, restrict and report without delay under the current designation framework.3 éléments+

Reporting persons must implement internal procedures for targeted financial sanctions.
Action d’implémentation
Screen customers, BOs, controllers, representatives and transactions at onboarding, list updates and before relevant activity.
Preuves à conserver
List inventory, update logs, screening results and match files.
Source primaire
Law No. 046-2024/ALT, arts. 89 and 124
Property of a designated person or entity is frozen immediately after notification, without prior notice, and must not be made available.
Action d’implémentation
Maintain a 24/7 freeze and escalation path covering direct, indirect, owned and controlled exposure.
Preuves à conserver
Procedure, system test, match decision, freeze and audit trail.
Source primaire
Law No. 046-2024/ALT, art. 89
CENTIF and the competent authority are informed immediately of relevant funds, frozen assets, measures and attempted operations.
Action d’implémentation
Use the current competent-authority route and obtain written direction before release or dealing.
Preuves à conserver
Notifications, receipts, directions and release decision.
Source primaire
Law No. 046-2024/ALT, arts. 90-91

09Records, access and assuranceRetain reconstructable records under the correct statutory clock.4 éléments+

Customer identity, profile and analysis records are kept for 10 years after account closure or relationship cessation.
Action d’implémentation
Map every customer record class to the relationship-based clock and apply legal holds.
Preuves à conserver
Retention schedule, configuration, sample and deletion test.
Source primaire
Law No. 046-2024/ALT, art. 23
Transaction, accounting and business-correspondence records are kept for 10 years after execution.
Action d’implémentation
Use transaction-based clocks and retain enough information to reconstruct individual operations.
Preuves à conserver
Archive configuration, reconstruction test and retrieval log.
Source primaire
Law No. 046-2024/ALT, art. 23
Corporate and BO information is retained for at least 10 years after dissolution or the end of the relevant professional relationship.
Action d’implémentation
Assign an archive owner and preserve current and historic ownership evidence.
Preuves à conserver
Dissolution checklist, archive, access controls and retrieval test.
Source primaire
Law No. 046-2024/ALT, art. 79
Required records must be available to CENTIF, supervisors, judicial authorities and authorised investigators.
Action d’implémentation
Index linked identity, transaction, investigation and reporting evidence and test controlled export.
Preuves à conserver
Request register, retrieval tests, access log and response package.
Source primaire
Law No. 046-2024/ALT, arts. 24 and 103

10Privacy, biometrics and transfersApply Law No. 001-2021/AN alongside AML collection, retention and disclosure duties.4 éléments+

Personal-data processing requires a lawful basis, defined purpose, proportionality, security, transparency and rights controls.
Action d’implémentation
Inventory identity, BO, screening, monitoring and reporting data; document purpose, basis, access, recipients, location and retention.
Preuves à conserver
Processing register, basis assessment, notices, access matrix and retention map.
Source primaire
Law No. 001-2021/AN, arts. 12-25
Processing normally requires the applicable CIL declaration, opinion or authorisation before implementation unless exempt.
Action d’implémentation
Classify each processing operation under the normal, simplified, opinion, authorisation or exemption route and retain the CIL receipt or decision.
Preuves à conserver
Formality matrix, filing, receipt or authorisation and change log.
Source primaire
Law No. 001-2021/AN, arts. 26-33
Private-sector biometric processing, national identifiers, file interconnections and certain offence data require prior CIL authorisation.
Action d’implémentation
Do not deploy facial, fingerprint, liveness-template or comparable biometric processing until the exact legal route and authorisation are confirmed.
Preuves à conserver
Legal assessment, necessity record, CIL authorisation, security design and tests.
Source primaire
Law No. 001-2021/AN, art. 31
Transfers to a foreign country require prior CIL authorisation and an adequate-protection or permitted-exception analysis.
Action d’implémentation
Map every hosting, support, analytics and vendor destination; obtain the required CIL decision before transfer and document safeguards.
Preuves à conserver
Transfer map, adequacy analysis, contracts, CIL authorisation and access logs.
Source primaire
Law No. 001-2021/AN, arts. 31 and 42-44

11Practical evidence packs and change controlMake every acceptance, escalation and regulatory decision reconstructable.2 éléments+

A complete customer file links identity, KYB, BO, screening, risk, approval, monitoring and reporting decisions.
Action d’implémentation
Block activation where mandatory evidence or approval is missing and preserve the release decision.
Preuves à conserver
Control checklist, linked file, approvals and release log.
Source primaire
Law No. 046-2024/ALT, arts. 12-26
Time-sensitive thresholds, lists, reporting routes, registers and licences require governed change monitoring.
Action d’implémentation
Assign owners to review ALT, Ministry of Finance, CENTIF, BCEAO, UMOA, CEFORE, CIL, FATF and GIABA sources on a documented schedule.
Preuves à conserver
Legal inventory, source log, change assessment and implementation tickets.
Source primaire
Official sources listed below

Registre des sources primaires

16 sources utilisées pour cette checklist

Utilisez ces liens pour vérifier la législation, les lignes directrices, les procédures de déclaration et les statuts internationaux.

Réponses directes

Questions KYC, KYB et AML pour Burkina Faso

Who receives suspicious transaction reports in Burkina Faso?+

CENTIF Burkina Faso receives reports using the current prescribed model and route.

When is an STR due?+

Immediately after suspicion or reasonable grounds arise. Attempted transactions are included, and relevant supplementary information is sent without delay.

What cash transaction report threshold applies?+

Institutions and designated non-financial businesses report cash transactions of XOF 15 million or more, whether a single operation or apparently linked operations.

What beneficial-ownership test applies?+

For legal persons, identify the natural person with controlling ownership, then control by other means, and only then the relevant senior managing official. Trusts and similar arrangements use role-based tests.

How long are AML records kept?+

Customer identity, profile and analysis records are kept for 10 years after relationship cessation; transaction and correspondence records are kept for 10 years after execution.

Do virtual-asset and payment services require authorisation?+

Yes, where the activity falls within the regulated perimeter. Obtain a current activity-specific decision from the competent authority before launch.

Do biometrics and foreign transfers require CIL authorisation?+

Yes. Private-sector biometric processing and transfers to a foreign country are among the processing operations subject to prior CIL authorisation under Law No. 001-2021/AN.

Is Burkina Faso on a FATF public list?+

No. FATF removed Burkina Faso from increased monitoring on 24 October 2025, and it was not named in FATF's June 2026 increased-monitoring or call-for-action statements.

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.

This checklist is general regulatory information, not legal advice or a licence determination. It reflects primary and authoritative materials reviewed on 25 July 2026. Confirm the live CENTIF reporting route and forms, activity-specific licences, sanctions instructions, beneficial-owner filing workflow, CIL formalities and all sector overlays with the competent authority and qualified Burkinabe counsel before launch.

Burkina Faso KYC, KYB & AML compliance checklist

Que couvre la checklist de conformité pour Burkina Faso ?

Faits réglementaires clés

Exigences et actions de conformité pour Burkina Faso

Financial institutions and listed designated non-financial businesses and professions are reporting persons.

CENTIF receives and analyses suspicious transaction reports and may request information.

In-scope virtual-asset services require prior approval or authorisation from the competent authority.

Regulated payment services require the applicable BCEAO authorisation.

Reporting persons must maintain internal organisation, controls and risk management proportionate to their activities.

Money-laundering, terrorist-financing and proliferation-financing risks must be identified, assessed, documented and kept current.

Institutions must be able to justify that customer controls are proportionate to risk.

Before a relationship or assisted transaction, collect and verify identity from reliable, independent sources and understand purpose and intended nature.

CDD also applies to transfers, suspicion, identity doubt and applicable occasional or linked transactions.

Limited delayed verification must finish as soon as possible and before the first transaction, with effective risk controls.

Remote relationships require particular and sufficient preventive measures.

Legal-person and legal-arrangement CDD covers legal name, form, constitutive documents, powers, management and addresses.

The BO cascade tests controlling ownership, then control by other means, then the relevant senior managing official.

Trusts and comparable arrangements use role-based BO tests.

Companies must keep accurate, current shareholder, member and BO information; the national BO register is established by law.

PEP relationships require risk systems, senior-management approval, source-of-wealth and source-of-funds measures, and enhanced monitoring.

Institutions reassess identified PEP customer profiles every three years and retain risk-based treatment where warranted.

Higher-risk relationships require enhanced measures; simplified treatment needs a demonstrated lower-risk basis and cannot override suspicion.

Reliance on a third party does not remove the institution's responsibility for CDD.

If required CDD cannot be completed, do not open or execute, or terminate the relationship, and submit an STR.

Relationships and transactions require ongoing scrutiny, current CDD and written examination of complex, unusual or apparently purposeless activity.

Reporting persons must immediately report suspected sums, transactions and attempted transactions to CENTIF.

Suspicious activity is withheld before reporting unless the statutory post-execution conditions apply; tipping off is prohibited.

Cash transactions of XOF 15 million or more, including apparently linked operations, are reported to CENTIF.

Multiple cash transactions exceeding XOF 9 million in one day or at unusual frequency trigger identification and verification for financial institutions.

Payment in cash or bearer title at XOF 50 million or more, and unusual or unjustified operations at XOF 10 million or more, require special examination.

Wire transfers must carry required originator and beneficiary information and deficient transfers require governed handling.

Reporting persons must implement internal procedures for targeted financial sanctions.

Property of a designated person or entity is frozen immediately after notification, without prior notice, and must not be made available.

CENTIF and the competent authority are informed immediately of relevant funds, frozen assets, measures and attempted operations.

Customer identity, profile and analysis records are kept for 10 years after account closure or relationship cessation.

Transaction, accounting and business-correspondence records are kept for 10 years after execution.

Corporate and BO information is retained for at least 10 years after dissolution or the end of the relevant professional relationship.

Required records must be available to CENTIF, supervisors, judicial authorities and authorised investigators.

Personal-data processing requires a lawful basis, defined purpose, proportionality, security, transparency and rights controls.

Processing normally requires the applicable CIL declaration, opinion or authorisation before implementation unless exempt.

Private-sector biometric processing, national identifiers, file interconnections and certain offence data require prior CIL authorisation.

Transfers to a foreign country require prior CIL authorisation and an adequate-protection or permitted-exception analysis.

A complete customer file links identity, KYB, BO, screening, risk, approval, monitoring and reporting decisions.

Time-sensitive thresholds, lists, reporting routes, registers and licences require governed change monitoring.

16 sources utilisées pour cette checklist

Questions KYC, KYB et AML pour Burkina Faso

Méthode de recherche et de revue

Vérifiez une fois. Partout.

Burkina Faso KYC, KYB & AML compliance checklist

Que couvre la checklist de conformité pour Burkina Faso ?

Faits réglementaires clés

Exigences et actions de conformité pour Burkina Faso

Financial institutions and listed designated non-financial businesses and professions are reporting persons.

CENTIF receives and analyses suspicious transaction reports and may request information.

In-scope virtual-asset services require prior approval or authorisation from the competent authority.

Regulated payment services require the applicable BCEAO authorisation.

Reporting persons must maintain internal organisation, controls and risk management proportionate to their activities.

Money-laundering, terrorist-financing and proliferation-financing risks must be identified, assessed, documented and kept current.

Institutions must be able to justify that customer controls are proportionate to risk.

Before a relationship or assisted transaction, collect and verify identity from reliable, independent sources and understand purpose and intended nature.

CDD also applies to transfers, suspicion, identity doubt and applicable occasional or linked transactions.

Limited delayed verification must finish as soon as possible and before the first transaction, with effective risk controls.

Remote relationships require particular and sufficient preventive measures.

Legal-person and legal-arrangement CDD covers legal name, form, constitutive documents, powers, management and addresses.

The BO cascade tests controlling ownership, then control by other means, then the relevant senior managing official.

Trusts and comparable arrangements use role-based BO tests.

Companies must keep accurate, current shareholder, member and BO information; the national BO register is established by law.

PEP relationships require risk systems, senior-management approval, source-of-wealth and source-of-funds measures, and enhanced monitoring.

Institutions reassess identified PEP customer profiles every three years and retain risk-based treatment where warranted.

Higher-risk relationships require enhanced measures; simplified treatment needs a demonstrated lower-risk basis and cannot override suspicion.

Reliance on a third party does not remove the institution's responsibility for CDD.

If required CDD cannot be completed, do not open or execute, or terminate the relationship, and submit an STR.

Relationships and transactions require ongoing scrutiny, current CDD and written examination of complex, unusual or apparently purposeless activity.

Reporting persons must immediately report suspected sums, transactions and attempted transactions to CENTIF.

Suspicious activity is withheld before reporting unless the statutory post-execution conditions apply; tipping off is prohibited.

Cash transactions of XOF 15 million or more, including apparently linked operations, are reported to CENTIF.

Multiple cash transactions exceeding XOF 9 million in one day or at unusual frequency trigger identification and verification for financial institutions.

Payment in cash or bearer title at XOF 50 million or more, and unusual or unjustified operations at XOF 10 million or more, require special examination.

Wire transfers must carry required originator and beneficiary information and deficient transfers require governed handling.

Reporting persons must implement internal procedures for targeted financial sanctions.