Guinée KYC, KYB & AML compliance checklist
Une checklist pratique et sourcée pour mettre en œuvre les exigences KYC, KYB et AML en Guinée.
- Dernière revue
- Dernière revue:
- Version
- Version 1.0
Réponse directe
Que couvre la checklist de conformité pour Guinée ?
La checklist pour Guinée traduit les principales règles KYC, KYB et AML en 11 domaines de contrôle et 32 contrôles d’implémentation, avec les autorités, obligations de déclaration et preuves à conserver.
Faits réglementaires clés
- FIU
- Cellule Nationale de Traitement des Informations Financieres (CENTIF)
- Primary AML law
- Law L/2021/0024/AN of 17 August 2021
- Suspicion reporting
- Immediately to CENTIF, including attempts, regardless of amount
- Objective reports
- Cash and cross-border-wire thresholds require a current BCRG instruction
- Core retention
- 10 years after relationship end or occasional transaction
- FATF status
- Not named on FATF public lists as at 19 June 2026
Détail d’implémentation
Exigences et actions de conformité pour Guinée
Ouvrez chaque domaine pour consulter l’exigence, l’action recommandée, les preuves à conserver et la source primaire utilisée.
01Scope, authorities, and licensingResolve the entity, activity and supervisor before launch.3 éléments+
Determine whether each activity is a reporting entity.
- Action d’implémentation
- Map each entity, product, channel and agent to the financial-institution, DNFBP, virtual-asset or covered public-authority categories and identify CENTIF and the competent supervisor.
- Preuves à conserver
- Applicability memo, product map and accountable-owner register.
- Source primaire
- Law L/2021/0024/AN, Articles 5-9 and 56
Treat CENTIF as Guinea's financial intelligence unit.
- Action d’implémentation
- Appoint authorised correspondents, obtain CENTIF's current filing route and prescribed form, and test controlled access before operations begin.
- Preuves à conserver
- Correspondent appointment, channel test, procedure and access approvals.
- Source primaire
- Law L/2021/0024/AN, Articles 75-94
Obtain authorisation before regulated financial activity.
- Action d’implémentation
- Classify banking, inclusive finance, payment, e-money, transfer, exchange, insurance, securities and virtual-asset activities and obtain every required approval before launch.
- Preuves à conserver
- Perimeter analysis, authority correspondence and licence register.
- Source primaire
- Law L/2021/0024/AN, Articles 20 and 42; applicable BCRG and sector laws
02Governance and risk assessmentThe programme must be documented, risk-based and independently tested.3 éléments+
Maintain an enterprise-wide ML/TF risk assessment.
- Action d’implémentation
- Assess customers, products, channels, geography, cash, agents, technology, virtual assets and proliferation exposure and update the assessment on material change.
- Preuves à conserver
- Approved methodology, assessment, controls and version history.
- Source primaire
- Law L/2021/0024/AN, Articles 21-23
Maintain written controls and an empowered compliance function.
- Action d’implémentation
- Assign senior accountability and confidential CENTIF reporting authority; maintain screening, recruitment, training and independent audit controls proportionate to risk.
- Preuves à conserver
- Appointments, policies, training, testing and remediation log.
- Source primaire
- Law L/2021/0024/AN, Articles 50-53; BCRG Instruction No. 109
Assess new technology before use.
- Action d’implémentation
- Identify and mitigate ML/TF, fraud, cybersecurity and privacy risks before launching a new product, distribution mechanism or technology.
- Preuves à conserver
- Pre-launch assessment, approval, tests and residual-risk acceptance.
- Source primaire
- Law L/2021/0024/AN, Article 23; Law L/2016/037/AN
03Natural-person identificationCDD uses reliable independent evidence and continues through the relationship.3 éléments+
Identify and verify customers and representatives.
- Action d’implémentation
- Verify the customer using reliable independent information; identify anyone acting for the customer and verify identity and authority.
- Preuves à conserver
- Identity file, source provenance, mandate and verification result.
- Source primaire
- Law L/2021/0024/AN, Articles 25-26
Understand purpose and expected activity.
- Action d’implémentation
- Record relationship purpose, products, expected volumes, counterparties, geography and source of funds sufficient for risk rating and monitoring.
- Preuves à conserver
- Customer profile, expected-activity baseline and approval.
- Source primaire
- Law L/2021/0024/AN, Article 26
Do not proceed where mandatory CDD fails.
- Action d’implémentation
- Do not open or execute, or terminate as applicable, when required CDD cannot be completed; consider a confidential suspicious-operation report.
- Preuves à conserver
- Decline or exit decision, investigation and restricted reporting record.
- Source primaire
- Law L/2021/0024/AN, Articles 32-33
04KYB, registries, and beneficial ownershipRegistry evidence does not replace natural-person ownership and control analysis.3 éléments+
Verify legal existence, governance and authority.
- Action d’implémentation
- Obtain current RCCM, constitutional, address, director, signatory, tax and licence evidence and reconcile inconsistencies.
- Preuves à conserver
- RCCM extract, statutes, powers, tax record and licence file.
- Source primaire
- Law L/2021/0024/AN, Article 27; OHADA Uniform Acts
Identify natural-person beneficial owners through ownership, control and fallback tests.
- Action d’implémentation
- Identify natural persons with ultimate controlling interests, then control by other means, and use the principal-manager fallback only where no person is identified under the first two tests.
- Preuves à conserver
- Ownership chart, source records, control analysis and verified identities.
- Source primaire
- Law L/2021/0024/AN, Article 27(3)
Treat company and beneficial-owner records as corroboration.
- Action d’implémentation
- Obtain and reconcile available RCCM and company-held beneficial-owner information; record gaps and do not assume a fully operational central register.
- Preuves à conserver
- Registry extracts, company records, discrepancy log and escalation.
- Source primaire
- OHADA company and RCCM framework; GIABA Guinea MER 2023
05PEPs, EDD, and remote onboardingHigher-risk and remote relationships require enhanced controls.3 éléments+
Detect PEP exposure in customers and beneficial owners.
- Action d’implémentation
- Use appropriate systems to identify domestic, foreign and international-organisation PEP exposure and connected-person risk.
- Preuves à conserver
- Screening, relationship map, match decision and refresh log.
- Source primaire
- Law L/2021/0024/AN, Articles 35-37
Apply PEP approval, provenance and monitoring measures.
- Action d’implémentation
- Obtain senior-management approval, take reasonable measures to establish source of wealth and funds, and conduct enhanced ongoing monitoring.
- Preuves à conserver
- Approval, provenance analysis and monitoring plan.
- Source primaire
- Law L/2021/0024/AN, Article 36
Control non-face-to-face and biometric risk.
- Action d’implémentation
- Apply enhanced identity, fraud, device, liveness, sensitive-data and exception controls proportionate to the remote channel and data used.
- Preuves à conserver
- Remote-onboarding assessment, impact review, tests and exceptions.
- Source primaire
- Law L/2021/0024/AN, Article 34; Law L/2016/037/AN
06Monitoring and suspicious reportingCENTIF reporting is immediate, traceable and confidential.3 éléments+
Monitor activity against the current customer profile.
- Action d’implémentation
- Examine unusual, complex, linked or apparently purposeless activity and preserve a reasoned conclusion.
- Preuves à conserver
- Alerts, investigation, disposition and rule governance.
- Source primaire
- Law L/2021/0024/AN, Articles 26 and 39
Report suspicion and attempted suspicious operations immediately to CENTIF.
- Action d’implémentation
- File immediately when funds or property are suspected, or reasonably suspected, to be criminal proceeds or linked to terrorist financing, including attempts regardless of amount, using CENTIF's current form and route.
- Preuves à conserver
- Decision chronology, report, receipt and supplemental-information log.
- Source primaire
- Law L/2021/0024/AN, Articles 45 and 87
Prevent tipping off.
- Action d’implémentation
- Restrict access and do not disclose a suspicious-operation report or related CENTIF information to the customer or unauthorised third parties.
- Preuves à conserver
- Access logs, confidentiality procedure and training.
- Source primaire
- Law L/2021/0024/AN, Articles 49 and 94
07Payments, wires, thresholds, and agentsPayment controls preserve required data and apply only verified thresholds.3 éléments+
Apply objective reporting only at currently prescribed thresholds.
- Action d’implémentation
- Obtain the current BCRG instruction and CENTIF method before configuring cash and cross-border-wire reporting; aggregate as the instrument requires and retain the legal basis.
- Preuves à conserver
- Current instruction, configuration, filings and receipts.
- Source primaire
- Law L/2021/0024/AN, Article 46
Preserve required wire-transfer information.
- Action d’implémentation
- Carry required originator and beneficiary information through the payment chain and risk-govern missing or incomplete information.
- Preuves à conserver
- Message samples, validation rules, exceptions and escalation.
- Source primaire
- Law L/2021/0024/AN, Articles 40-43
Retain accountability for agents and outsourcing.
- Action d’implémentation
- Verify permissions, diligence providers, contract for security and record access, train agents, monitor compliance and test retrieval.
- Preuves à conserver
- Due diligence, contract, training, monitoring and retrieval test.
- Source primaire
- Law L/2021/0024/AN, Article 50(2); applicable BCRG sector rules
08Targeted financial sanctionsUse current UN designations and Guinea's controlled legal process.3 éléments+
Screen applicable UN and national designations.
- Action d’implémentation
- Screen customers, beneficial owners, controllers, representatives and transactions at onboarding, list updates and before relevant execution.
- Preuves à conserver
- List inventory, update logs, screening configuration and dispositions.
- Source primaire
- Law L/2021/0024/AN, Articles 20 and 44; UN consolidated list
Freeze covered property without delay or prior notice.
- Action d’implémentation
- Prevent prohibited movement or availability of covered funds and economic resources and escalate immediately under the current competent-authority process.
- Preuves à conserver
- Freeze procedure, timestamps, legal basis and authority communication.
- Source primaire
- Law L/2021/0024/AN, Articles 20 and 44
Report and govern matches, false positives and release.
- Action d’implémentation
- Use the current national reporting and challenge process, file a suspicious-operation report where warranted, and release only on documented lawful authority.
- Preuves à conserver
- Reports, receipt, match rationale, authority instruction and reconciliation.
- Source primaire
- Law L/2021/0024/AN, Articles 20, 44-45
09Records and regulator accessRecords must reconstruct the customer, ownership, transaction and decision.3 éléments+
Retain CDD and transaction records for 10 years.
- Action d’implémentation
- Retain CDD, account, correspondence, analysis and transaction records for 10 years after relationship end or the occasional transaction, subject to longer legal holds.
- Preuves à conserver
- Schedule, configuration, archive sample and legal-hold log.
- Source primaire
- Law L/2021/0024/AN, Article 54
Make transaction records reconstructable.
- Action d’implémentation
- Preserve sufficient detail to reconstruct individual domestic and international operations and associated decisions.
- Preuves à conserver
- Transaction reconstruction and retrieval test.
- Source primaire
- Law L/2021/0024/AN, Article 54(2)
Respond securely to competent-authority requests.
- Action d’implémentation
- Authenticate requests, protect reporting confidentiality, produce reproducibly and log scope, timing and receipt.
- Preuves à conserver
- Request, approval, production index and acknowledgement.
- Source primaire
- Law L/2021/0024/AN, Articles 47, 54-55 and 88
10Privacy, biometrics, and transfersPersonal-data duties apply alongside AML confidentiality and retention.3 éléments+
Document lawful and transparent identity processing.
- Action d’implémentation
- Map purposes, data, legal basis, notices, rights, recipients, security and retention and complete currently required declarations or authorisations.
- Preuves à conserver
- Data inventory, legal assessment, notices and authority record.
- Source primaire
- Law L/2016/037/AN, personal-data provisions
Apply enhanced safeguards to biometric and sensitive data.
- Action d’implémentation
- Minimise collection, restrict access, test security and document an applicable statutory basis before biometric or sensitive-data use.
- Preuves à conserver
- Impact assessment, legal basis, security tests and approval.
- Source primaire
- Law L/2016/037/AN
Control processors, incidents and cross-border transfers.
- Action d’implémentation
- Bind processors, preserve confidentiality and security, and obtain current authority guidance before configuring transfers or incident notices; do not invent a portal or deadline.
- Preuves à conserver
- Processor contract, transfer assessment, incident procedure and authority guidance.
- Source primaire
- Law L/2016/037/AN
11Practical evidence packsMaintain concise packs that reproduce decisions and support supervisory access.2 éléments+
Maintain a reconstructable onboarding pack.
- Action d’implémentation
- Bundle identity, KYB, beneficial ownership, screening, risk, approvals, privacy records and exceptions under stable identifiers.
- Preuves à conserver
- Complete sampled onboarding pack.
- Source primaire
- Operational control supporting Law L/2021/0024/AN
Maintain a reconstructable monitoring and reporting pack.
- Action d’implémentation
- Link transactions, alerts, analysis, approvals, reports and post-filing controls while protecting confidentiality.
- Preuves à conserver
- Complete sampled case pack and access log.
- Source primaire
- Operational control supporting Law L/2021/0024/AN, Articles 45-49 and 87-94
Registre des sources primaires
10 sources utilisées pour cette checklist
Utilisez ces liens pour vérifier la législation, les lignes directrices, les procédures de déclaration et les statuts internationaux.
- Law L/2021/0024/AN on AML/CFTBCRG · Primary national legislation
- BCRG Instruction No. 109 applying the AML/CFT law to financial institutionsBCRG · Primary supervisory instruction
- BCRG AML/CFT application instruction for inclusive financial institutionsBCRG · Primary supervisory instruction
- Guinea second enhanced follow-up report - November 2025GIABA · Authoritative country assessment
- Guinea mutual evaluation materialsGIABA · Authoritative country assessment
- BCRG compliance and supervisory materialsBCRG · Official regulator materials
- Law L/2016/037/AN on cybersecurity and personal dataSupreme Court of Guinea · Primary national legislation
- OHADA commercial companies and RCCM frameworkOHADA · Official company-law materials
- FATF high-risk and monitored jurisdictionsFATF · Authoritative current status
- United Nations Security Council consolidated sanctions listUnited Nations · Authoritative sanctions list
Réponses directes
Questions KYC, KYB et AML pour Guinée
Who receives suspicious-operation reports?+
Guinea's Cellule Nationale de Traitement des Informations Financieres (CENTIF). Obtain and use CENTIF's current prescribed route and form.
When is suspicion reported?+
Immediately when the institution suspects or has reasonable grounds to suspect criminal proceeds or terrorist-financing links, including attempts regardless of amount.
Are there objective threshold reports?+
Article 46 covers cash and cross-border-wire reports, but leaves thresholds to BCRG instruction and methods to CENTIF. Verify the current instruments before configuration.
How is beneficial ownership determined?+
Article 27 follows ultimate controlling ownership, control by other means and principal-manager fallback; no fixed ownership percentage should be invented for this CDD test.
How long are AML records retained?+
Ten years after relationship end or the occasional transaction under Article 54, subject to longer legal holds.
Is Guinea on a FATF public list?+
Guinea was not named on FATF's high-risk or increased-monitoring lists current at 19 June 2026. It remains in GIABA enhanced follow-up.
Does personal-data law apply?+
Yes. Law L/2016/037/AN applies to personal-data processing. Confirm current authority, declaration, authorisation, transfer and incident mechanics before production use.
Can a financial or payment product launch without approval?+
No. Classify the activity under current Guinean sector rules and obtain every BCRG or other competent-authority approval before launch.
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 regulatory information, not legal advice or a licence determination. Reviewed as applicable on 27 August 2026. Confirm reporting-entity status, current CENTIF filing specifications, BCRG thresholds and sector instructions, beneficial-owner register implementation, targeted-sanctions workflow, personal-data authority formalities and product permissions with the competent authority and qualified Guinean counsel before launch.