Géorgie KYC, KYB & AML compliance checklist
Une checklist pratique et sourcée pour mettre en œuvre les exigences KYC, KYB et AML en Géorgie.
- Dernière revue
- Dernière revue:
- Version
- Version 1.1
Guide d’implémentation portable
Obtenir la checklist PDF
11 domaines de contrôle · 39 contrôles d’implémentation
Dernière revue: 9 November 2026 · Version 1.1
Télécharger la checklistRéponse directe
Que couvre la checklist de conformité pour Géorgie ?
La checklist pour Géorgie traduit les principales règles KYC, KYB et AML en 11 domaines de contrôle et 39 contrôles d’implémentation, avec les autorités, obligations de déclaration et preuves à conserver.
Faits réglementaires clés
- Primary AML law
- Law on Facilitating the Prevention of Money Laundering and Financing of Terrorism
- FIU
- Financial Monitoring Service of Georgia
- General occasional-transaction CDD
- Above GEL 15,000, including linked transactions
- Occasional funds-transfer CDD
- Above GEL 3,000, including linked transfers
- Suspicious reporting
- On the day reasonable suspicion arises
- Beneficial owner
- 25% or more, more than 25%, other control, then manager
- Records
- 5 years; extension up to 5 more years may be requested
- FATF public lists
- Not listed at October 2026
Détail d’implémentation
Exigences et actions de conformité pour Géorgie
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 supervisor before launch.3 éléments+
Determine whether each activity is an accountable-person activity.
- Action d’implémentation
- Map banking, payment, lending, securities, insurance, gambling, legal, accounting, real-estate, precious-metals, virtual-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 National Bank or other competent-authority requirements before banking, payment, electronic-money, securities, insurance, lending, exchange or virtual-asset activity.
- Preuves à conserver
- Licence matrix, approvals, registrations and conditions.
- Source primaire
- Applicable sector law and supervisory rules
Use FMS and the correct sector supervisor.
- Action d’implémentation
- Maintain a dated authority map and the prescribed electronic or written reporting procedure for the entity type.
- Preuves à conserver
- Authority map, portal access and acknowledgements.
- Source primaire
- AML/CFT Law, Articles 4, 25-26 and 38
02Governance and risk assessmentControls must be risk-based, approved and tested.3 éléments+
Document institutional and customer ML/TF risk assessments.
- Action d’implémentation
- Assess customer, beneficial owner, geography, product, service, transaction, delivery-channel and group risks with appropriate periodicity and on material change.
- Preuves à conserver
- Methodology, assessments, approvals and remediation.
- Source primaire
- AML/CFT Law, Articles 7-8
Maintain a compliant internal-control system.
- Action d’implémentation
- Document governance, responsible staff, CDD, screening, monitoring, reporting, training and independent audit proportionate to nature, volume and risk.
- Preuves à conserver
- Instructions, appointments, training and audit reports.
- Source primaire
- AML/CFT Law, Article 29
Keep controls aligned with current FMS and supervisory instruments.
- Action d’implémentation
- Map official typologies, indicators and subordinate acts 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 FMS and supervisory acts
03Natural-person identificationCDD applies before relationships and at statutory triggers.5 éléments+
Identify and verify the customer and intended relationship.
- Action d’implémentation
- Use reliable independent sources; establish purpose, intended nature and expected transaction profile before service, subject only to a documented statutory exception.
- Preuves à conserver
- Identity record, verification result, purpose and provenance.
- Source primaire
- AML/CFT Law, Articles 10 and 12
Apply general occasional-transaction CDD above GEL 15,000.
- Action d’implémentation
- Aggregate linked transactions and complete CDD when the total exceeds GEL 15,000 or foreign-currency equivalent.
- Preuves à conserver
- Aggregation logic, alert and completed CDD.
- Source primaire
- AML/CFT Law, Article 11(1)(b)
Apply occasional funds-transfer CDD above GEL 3,000.
- Action d’implémentation
- Aggregate linked one-time transfers and complete CDD when the total exceeds GEL 3,000 or foreign-currency equivalent.
- Preuves à conserver
- Transfer aggregation, alert and CDD record.
- Source primaire
- AML/CFT Law, Article 11(1)(c)
Identify representatives and verify authority.
- Action d’implémentation
- Verify the person acting for the customer and obtain a duly certified document establishing representation authority.
- Preuves à conserver
- Representative KYC, mandate and validation.
- Source primaire
- AML/CFT Law, Article 10(2)
Stop or refuse when required CDD cannot be completed.
- Action d’implémentation
- Do not establish or continue the relationship or complete the occasional transaction; consider whether an FMS report is required.
- Preuves à conserver
- Failure record, decision, escalation and reporting assessment.
- Source primaire
- AML/CFT Law, Article 10(6)
04KYB and beneficial ownershipVerify existence, authority, ownership and ultimate 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 10, 12 and 13
Apply the statutory beneficial-owner cascade.
- Action d’implémentation
- Identify natural persons owning directly or indirectly 25% or more, or more than 25% of voting shares as expressed in Article 13, and persons exercising ultimate control; if none exists after all possible measures, identify persons with managerial authority.
- Preuves à conserver
- Ownership chart, control analysis, identities and fallback rationale.
- Source primaire
- AML/CFT Law, Article 13(1)-(4)
Identify trust and similar-arrangement parties.
- Action d’implémentation
- Identify settlor, trustee, protector if any, beneficiaries or beneficiary class and every other ultimate controller, using the current Georgian legal terminology.
- Preuves à conserver
- Arrangement documents, role map and verification.
- Source primaire
- AML/CFT Law, Article 13(5)-(6)
Resolve registry and customer-data discrepancies.
- Action d’implémentation
- Compare official registry, constitutional, customer and reliable-source data and escalate inconsistent ownership, management, authority or status.
- Preuves à conserver
- Search results, discrepancy log and resolution.
- Source primaire
- AML/CFT Law, Articles 10 and 13
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 ongoing monitoring where required.
- Preuves à conserver
- Screening, classification, approval and corroboration.
- Source primaire
- AML/CFT Law, Article 21
Apply enhanced measures 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, Articles 18-19
Control non-face-to-face onboarding.
- Action d’implémentation
- Use methods permitted by the applicable supervisor and preserve authentication, liveness, fraud, exception and test evidence.
- Preuves à conserver
- Method assessment, session record and tests.
- Source primaire
- AML/CFT Law, Articles 10-12; applicable supervisory rules
06Monitoring and suspicious reportingDetection and reporting must meet event-specific timing.4 éléments+
Monitor relationships and examine unusual activity.
- Action d’implémentation
- Detect related, complex, unusually large or unusual-pattern transactions without apparent economic or lawful purpose; document purpose, grounds and enhanced monitoring.
- Preuves à conserver
- Scenarios, alerts, analysis, tuning and governance.
- Source primaire
- AML/CFT Law, Articles 10(5) and 20
Report suspicious transactions and attempts to FMS.
- Action d’implémentation
- Submit the prescribed report on the same day that reasonable suspicion arises, through the current electronic or written route.
- Preuves à conserver
- Suspicion timestamp, report, receipt and rationale.
- Source primaire
- AML/CFT Law, Articles 25(1) and 26(1)-(2)
Distinguish other prescribed reports from suspicion reports.
- Action d’implémentation
- Maintain a current table of FMS-designated transaction types, circumstances and filing deadlines; do not treat CDD thresholds as universal reporting thresholds.
- Preuves à conserver
- Legal table, configurations, tests and reports.
- Source primaire
- AML/CFT Law, Articles 25(2)-(5) and 26(3)-(5)
Prevent tipping off and protect reporters.
- Action d’implémentation
- Restrict access and communications concerning examination, reports and FMS measures except where the law permits.
- Preuves à conserver
- Access controls, communication review and training.
- Source primaire
- AML/CFT Law, Article 28
07Wires, payments, thresholds, and virtual assetsTreat transaction categories and regulated products separately.4 éléments+
Carry and screen required 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; applicable National Bank transfer rules
Classify payment and electronic-money services before launch.
- Action d’implémentation
- Map each service to the Payment System and Payment Services Law and obtain National Bank registration or other authorization required for the role.
- Preuves à conserver
- Product memo, registration result and tests.
- Source primaire
- Law on Payment System and Payment Services; NBG Decree No. 77/04
Register and control virtual-asset services.
- Action d’implémentation
- Confirm the activity perimeter and National Bank VASP registration before launch; apply AML/CFT, governance and transfer-information rules for the service.
- Preuves à conserver
- Classification, registration, conditions and control tests.
- Source primaire
- Organic Law on NBG; VASP registration rule; AML/CFT Law
Apply sector-specific thresholds separately.
- Action d’implémentation
- Configure the current thresholds for VASP, precious-metals, gambling, border-cash and other relevant categories rather than applying the general GEL 15,000 trigger universally.
- Preuves à conserver
- Sector table, configuration and test results.
- Source primaire
- AML/CFT Law, Article 11
08Targeted financial sanctionsUse live official designations and act under the statutory procedure.3 éléments+
Screen current UN and applicable domestic measures.
- 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, Chapter X
Block prohibited dealings and report relevant matches.
- Action d’implémentation
- Do not establish or continue relationships or complete transactions where Article 10(7) applies; submit the required FMS report and apply the competent authority's seizure or restriction procedure.
- Preuves à conserver
- Designation, decision timestamp, asset inventory and report.
- Source primaire
- AML/CFT Law, Articles 10(7)-(8), 25 and 40-44
Control permitted credits, access and release.
- Action d’implémentation
- Credit, release or permit access only where the law and documented competent-authority instruction allow it; preserve every condition and decision.
- Preuves à conserver
- Authority instruction, conditions and release record.
- Source primaire
- AML/CFT Law, Chapter X
09Records and authority accessRecords must reconstruct decisions and transactions.3 éléments+
Retain CDD, analysis, account and correspondence records for five years.
- Action d’implémentation
- Run the period from relationship termination or occasional transaction and preserve records in evidentially usable form.
- Preuves à conserver
- Retention schedule, archive and retrieval test.
- Source primaire
- AML/CFT Law, Article 27(1) and (5)
Retain transaction and reporting records for five years.
- Action d’implémentation
- Retain comprehensive transaction data and FMS reports, instructions and protocols; support a lawful extension requested by FMS or a supervisor for up to five additional years.
- Preuves à conserver
- Transaction archive, reports, extension holds and tests.
- Source primaire
- AML/CFT Law, Article 27(2)-(4)
Produce requested information within the applicable deadline.
- Action d’implémentation
- Operate controlled retrieval, approval and production procedures; FMS requests under Article 25(6) are due within two working days.
- Preuves à conserver
- Request log, production, approval and receipt.
- Source primaire
- AML/CFT Law, Articles 25(6), 26(5) and 27(5)
10Privacy, biometrics, incidents, and transfersAML processing remains subject to current privacy and security law.4 éléments+
Document lawful, fair and proportionate processing.
- Action d’implémentation
- Map purpose, legal basis, transparency, minimization, accuracy, storage, rights and AML retention under the current 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 other special-category data.
- Action d’implémentation
- Use special-category data only under an applicable legal condition and apply access, security, accuracy, liveness, vendor and deletion controls.
- Preuves à conserver
- Assessment, architecture, tests and approvals.
- Source primaire
- Personal Data Protection Law
Perform DPIAs and manage incidents where required.
- Action d’implémentation
- Assess high-risk processing, keep a documented incident workflow and apply the current controller, processor, notification and recordkeeping duties.
- Preuves à conserver
- DPIA, incident chronology, notices and remediation.
- Source primaire
- Personal Data Protection Law, including DPIA and security provisions
Control international transfers and processors.
- Action d’implémentation
- Confirm the applicable transfer condition, safeguards, contracts and representative or authorization requirements before transfer.
- Preuves à conserver
- Transfer map, legal assessment, safeguards and notices.
- 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 10-13
Maintain reporting and sanctions case packs.
- Action d’implémentation
- Link trigger, classification, decision time, report, receipt, restriction, confidentiality and authority communications.
- Preuves à conserver
- Case pack, timeline and access record.
- Source primaire
- AML/CFT Law, Articles 25-28 and Chapter X
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
14 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 - Legislative HeraldLegislative Herald of Georgia · Primary legislation - official repository
- Financial Monitoring Service of GeorgiaFinancial Monitoring Service of Georgia · Official FIU portal
- FMS reporting FAQFinancial Monitoring Service of Georgia · Official reporting guidance
- National Bank AML/CFT supervisionNational Bank of Georgia · Official supervisory guidance
- Law on payment services and implementing frameworkNational Bank of Georgia · Official legal source index
- Payment service provider registrationNational Bank of Georgia · Official registration guidance
- VASP registration rule noticeNational Bank of Georgia · Official registration guidance
- National Agency of Public RegistryNational Agency of Public Registry · Official company registry
- Personal Data Protection LawLegislative Herald of Georgia · Primary legislation - official repository
- Georgia fourth enhanced follow-up report 2025FATF / MONEYVAL · Authoritative follow-up assessment
- Georgia third enhanced follow-up report 2024FATF / MONEYVAL · Authoritative follow-up assessment
- FATF increased-monitoring statement - October 2026FATF · Authoritative current public-list status
- FATF call-for-action statement - October 2026FATF · Authoritative current public-list status
- Procedure for use of Georgian state symbolsLegislative Herald of Georgia · Primary legislation - official flag-use rules
Réponses directes
Questions KYC, KYB et AML pour Géorgie
Who receives suspicious-transaction reports?+
The Financial Monitoring Service of Georgia through its prescribed reporting route.
When must suspicion be reported?+
On the same day that reasonable suspicion arises; the rule covers suspicious transactions and attempts.
When does general occasional-transaction CDD apply?+
When a transaction or linked transactions exceed GEL 15,000 or the foreign-currency equivalent, subject to sector-specific rules.
Do funds transfers have a separate CDD trigger?+
Yes. A one-time transfer or linked transfers above GEL 3,000 trigger CDD under Article 11(1)(c).
How is a beneficial owner identified?+
Apply the statutory 25% ownership/voting and other ultimate-control tests, then the managerial-authority fallback after all possible measures.
How long are AML records retained?+
Five years under Article 27, with a possible requested extension of no more than five additional years.
Do payment providers and VASPs need authorization?+
Payment providers require the applicable National Bank registration or authorization, and VASPs are subject to National Bank registration and regulation.
Is Georgia on a FATF public list?+
No at the October 2026 statements. Georgia nevertheless remains in MONEYVAL enhanced follow-up, and 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 Georgian text, current FMS and sector rules, reporting forms and portal, designated transaction categories, sanctions implementation, privacy duties and licensing conditions with the competent authority and qualified Georgian counsel.