Jordanie KYC, KYB & AML compliance checklist
Une checklist pratique et sourcée pour mettre en œuvre les exigences KYC, KYB et AML en Jordanie.
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11 domaines de contrôle · 37 contrôles d’implémentation
Dernière revue: 7 October 2026 · Version 1.0
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Que couvre la checklist de conformité pour Jordanie ?
La checklist pour Jordanie traduit les principales règles KYC, KYB et AML en 11 domaines de contrôle et 37 contrôles d’implémentation, avec les autorités, obligations de déclaration et preuves à conserver.
Faits réglementaires clés
- Primary AML law
- Law No. 20 of 2021
- FIU
- Anti-Money Laundering and Counter Terrorist Financing Unit
- SAR timing
- Immediately, including attempted activity, regardless of value
- Records
- At least 5 years from the applicable transaction or relationship trigger
- Beneficial ownership
- Apply ownership and ultimate effective-control tests; registry guidance includes 20% criteria
- Cross-border cash declaration
- More than JOD 10,000 or equivalent
- Privacy law
- Personal Data Protection Law No. 24 of 2023, effective 17 March 2024
- FATF public lists
- Not listed at 19 June 2026
Détail d’implémentation
Exigences et actions de conformité pour Jordanie
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, Jordan nexus and supervisor before launch.3 éléments+
Determine whether the business is a reporting entity.
- Action d’implémentation
- Map each service to financial institutions, real-estate and precious-metals businesses, specified legal and accounting activities, company-service activities and any category added by Cabinet.
- Preuves à conserver
- Perimeter memo, service map and authority confirmation.
- Source primaire
- Law 20/2021 article 14
Obtain each activity-specific licence before operating.
- Action d’implémentation
- Classify banking, exchange, money transfer, electronic payment, finance, securities, insurance and digital products under the current sector regime.
- Preuves à conserver
- Licence matrix, approvals and conditions.
- Source primaire
- Banking Law; Money Exchange Business Law; CBJ payment instructions
Use current sector rules and controlling Arabic text.
- Action d’implémentation
- Track CBJ, JSC, AMLU and other supervisory instructions, including amendments and Article 44 continuity.
- Preuves à conserver
- Source inventory, translations and change log.
- Source primaire
- Law 20/2021 articles 21 and 44
02Governance and risk assessmentControls must be risk-based, documented and effective.3 éléments+
Assess and monitor ML/TF risks.
- Action d’implémentation
- Cover customers, countries, products, services, delivery channels, transactions and new technologies in a proportionate assessment.
- Preuves à conserver
- Methodology, assessment, approvals and updates.
- Source primaire
- Law 20/2021 article 15(a)-(c)
Maintain approved mitigation controls.
- Action d’implémentation
- Document CDD, monitoring, SAR, records, sanctions, training and escalation procedures based on assessed risk.
- Preuves à conserver
- Approved framework, procedures and issue register.
- Source primaire
- Law 20/2021 article 15(b), (f)
Appoint responsible compliance personnel and independent assurance.
- Action d’implémentation
- Apply the exact sector instruction on authority, resources, reporting and testing.
- Preuves à conserver
- Appointment, board reports, training, audit and remediation.
- Source primaire
- Law 20/2021; applicable supervisory instructions
03Natural-person identificationIdentify customers, beneficial owners and representatives at every applicable trigger.4 éléments+
Never use anonymous or fictitious accounts.
- Action d’implémentation
- Identify and verify the customer with reliable, independent evidence before activation.
- Preuves à conserver
- Identity attributes, document provenance and fraud checks.
- Source primaire
- Law 20/2021 article 15(d)
Apply risk-based CDD and enhanced measures when required.
- Action d’implémentation
- Understand purpose and intended nature, verify relevant persons and apply EDD for higher risk or suspicion.
- Preuves à conserver
- Trigger, profile, verification and approval.
- Source primaire
- Law 20/2021 article 15(d)-(e)
Verify representatives and authority.
- Action d’implémentation
- Identify the representative and authenticate the mandate before accepting instructions.
- Preuves à conserver
- Representative KYC, authority document and validation.
- Source primaire
- Law 20/2021 article 15; sector CDD instructions
Do not proceed when CDD cannot be completed.
- Action d’implémentation
- Do not open, execute, begin or continue the relevant relationship or transaction; assess an AMLU report without tipping off.
- Preuves à conserver
- Failure reason, restriction and SAR assessment.
- Source primaire
- Law 20/2021 article 16
04KYB and beneficial ownershipVerify legal existence, ownership and ultimate effective control.4 éléments+
Verify the legal person and its authority structure.
- Action d’implémentation
- Obtain current registry, constitutional, director, signatory and business-purpose evidence.
- Preuves à conserver
- Certified extract, documents and discrepancy record.
- Source primaire
- Law 20/2021 article 15; sector CDD instructions
Identify natural persons who ultimately own or control.
- Action d’implémentation
- Trace direct, indirect, layered, nominee and other control arrangements; do not stop at a legal-person shareholder.
- Preuves à conserver
- Ownership chart, calculations and verified identities.
- Source primaire
- Law 20/2021 article 2; BO Regulation 62/2022
Apply registry criteria without treating a percentage as a safe harbour.
- Action d’implémentation
- Use the current Regulation 62/2022 and CCD guidance, including relevant 20% ownership, voting, profit, appointment or liquidation criteria, while assessing ultimate effective control and fallback persons.
- Preuves à conserver
- Criterion-by-criterion analysis and rationale.
- Source primaire
- BO Regulation 62/2022 article 9; CCD BO guidance
Maintain the company BO register and required filings.
- Action d’implémentation
- Record prescribed particulars, reconcile changes and submit declarations through the live CCD procedure within the applicable deadline.
- Preuves à conserver
- BO register, forms, receipts and change log.
- Source primaire
- Companies Law; BO Regulation 62/2022
05PEPs, EDD, and remote onboardingApply enhanced measures to PEPs and higher-risk relationships.3 éléments+
Determine whether the customer or beneficial owner is a PEP.
- Action d’implémentation
- Use risk-management procedures and apply the approval, wealth, funds and monitoring measures required by the applicable sector rule.
- Preuves à conserver
- Screening, classification, approval and corroboration.
- Source primaire
- Law 20/2021 article 15(e)
Apply EDD proportionate to higher risk.
- Action d’implémentation
- Obtain additional customer, purpose, ownership, source-of-wealth and source-of-funds information and intensify monitoring.
- Preuves à conserver
- Risk trigger, additional CDD and approval.
- Source primaire
- Law 20/2021 article 15(d)
Control non-face-to-face onboarding.
- Action d’implémentation
- For eligible CBJ-regulated services, apply Instructions 7/2021 and any product-specific identity, authentication, fraud and exception controls.
- Preuves à conserver
- Method assessment, authentication result and exceptions.
- Source primaire
- CBJ electronic KYC Instructions 7/2021
06Monitoring and suspicious reportingOngoing scrutiny supports immediate reporting to AMLU.4 éléments+
Monitor and refresh on a risk basis.
- Action d’implémentation
- Compare activity with purpose, expected behaviour, risk and source of funds; update CDD when events or doubts arise.
- Preuves à conserver
- Scenarios, alerts, reviews and refresh records.
- Source primaire
- Law 20/2021 articles 15 and 17(b)
Escalate suspicion without waiting for proof.
- Action d’implémentation
- Assess transactions, activities and attempts promptly and document reasonable grounds and formation time.
- Preuves à conserver
- Chronology, information and decision.
- Source primaire
- Law 20/2021 article 18
Notify AMLU immediately regardless of value.
- Action d’implémentation
- Submit the prescribed SAR through the current goAML route and retain the acknowledgement.
- Preuves à conserver
- Suspicion timestamp, submission and receipt.
- Source primaire
- Law 20/2021 article 18; AMLU FAQ
Prevent tipping off and protect SAR information.
- Action d’implémentation
- Restrict access and customer communications and follow lawful information-sharing rules.
- Preuves à conserver
- Access logs, scripts, training and incidents.
- Source primaire
- Law 20/2021 articles 19 and 20
07Payments, wires, thresholds, and digital assetsSeparate CDD triggers, declarations and activity-specific licensing.4 éléments+
Carry required originator and beneficiary information.
- Action d’implémentation
- Apply the current sector wire-transfer fields, screening and missing-data procedures.
- Preuves à conserver
- Field matrix, payment samples and repair queue.
- Source primaire
- Applicable CBJ AML/CFT and payment instructions
Do not misstate the JOD 10,000 border declaration as a customer threshold.
- Action d’implémentation
- For physical cross-border cash or bearer negotiable instruments over JOD 10,000 or equivalent, support the Customs declaration obligation; keep product CDD thresholds separate.
- Preuves à conserver
- Travel/courier controls, declaration and escalation.
- Source primaire
- Law 20/2021 article 23; Jordan Customs guidance
Obtain payment, transfer or exchange approval.
- Action d’implémentation
- Map wallets, acquiring, remittance, exchange and ancillary features to live CBJ licensing and safeguarding requirements.
- Preuves à conserver
- Product memo, licence and compliance tests.
- Source primaire
- Banking Law; Money Exchange Business Law; CBJ instructions
Treat virtual-asset activity as a launch-date perimeter issue.
- Action d’implémentation
- Do not rely on the September 2026 draft amendment; obtain written confirmation of the operative licensing and AML treatment before offering a service.
- Preuves à conserver
- Current-law memo, authority confirmation and approval.
- Source primaire
- Law 20/2021; draft 2026 amendment (non-operative)
08Targeted financial sanctionsUse current UN and Jordan designation procedures.3 éléments+
Screen designations and ownership or control.
- Action d’implémentation
- Screen relevant parties at onboarding, transactions and list updates, using current UN and Jordan lists.
- Preuves à conserver
- List versions, tests and decisions.
- Source primaire
- Law 20/2021 article 40; Instructions 1/2021
Freeze without delay and notify through the live route.
- Action d’implémentation
- Prevent dealing or asset availability on a confirmed match and make required notifications without prior notice.
- Preuves à conserver
- Match analysis, restriction time and notification.
- Source primaire
- Law 20/2021 article 40; Instructions 1/2021
Use exemptions, delisting or release only under written authority.
- Action d’implémentation
- Apply the designation-specific procedure and preserve all conditions and approvals.
- Preuves à conserver
- Legal analysis, permission and release record.
- Source primaire
- Law 20/2021 article 40(f); Instructions 1/2021
09Records and regulator accessRetention triggers differ for transactions and relationships.3 éléments+
Retain transaction records for at least five years.
- Action d’implémentation
- Run the period from completion and preserve enough data to reconstruct individual transactions.
- Preuves à conserver
- Schedule, trigger, samples and retrieval test.
- Source primaire
- Law 20/2021 article 17(a)
Retain CDD, account, correspondence and analysis records for at least five years.
- Action d’implémentation
- Run the period from relationship termination or transaction date, whichever is longer, subject to lawful holds.
- Preuves à conserver
- Schedule, trigger and deletion approval.
- Source primaire
- Law 20/2021 article 17(a)
Keep records current and available to competent authorities.
- Action d’implémentation
- Maintain controlled access, legal holds and a complete production audit trail.
- Preuves à conserver
- Update history, access matrix and production log.
- Source primaire
- Law 20/2021 article 17(b)
10Privacy, biometrics, breaches, and transfersApply Law 24/2023 and current implementing instruments.3 éléments+
Map processing conditions, notices and rights.
- Action d’implémentation
- Inventory personal and sensitive data, establish a lawful basis or valid consent, provide required information and support data-subject rights.
- Preuves à conserver
- Data map, notices, consent and rights log.
- Source primaire
- Personal Data Protection Law 24/2023 articles 4-7
Apply enhanced governance to sensitive and high-risk processing.
- Action d’implémentation
- Assess biometric and financial-data processing, conduct a DPIA where required and appoint an accredited DPO when statutory criteria apply.
- Preuves à conserver
- Classification, DPIA, DPO analysis and appointment.
- Source primaire
- Law 24/2023; PDPD DPIA and DPO guidance
Control processors, security incidents and transfers.
- Action d’implémentation
- Contract processors, implement safeguards, assess transfer conditions and make notifications through the current statutory route.
- Preuves à conserver
- Contracts, security controls, transfer assessment and incident record.
- Source primaire
- Law 24/2023 articles 20-23; current regulations
11Practical evidence packsEvidence must reconstruct decisions end to end.3 éléments+
Maintain an onboarding pack.
- Action d’implémentation
- Bundle identity, authority, KYB, BO, PEP, sanctions, purpose, risk, privacy and approvals.
- Preuves à conserver
- Complete sample and retrieval result.
- Source primaire
- Operational control supporting Law 20/2021
Maintain SAR and sanctions case packs.
- Action d’implémentation
- Link activity, suspicion time, report, receipt, confidentiality, restrictions and communications.
- Preuves à conserver
- Case pack, timeline and access record.
- Source primaire
- Law 20/2021 articles 18-20 and 40
Maintain a launch and legal-change pack.
- Action d’implémentation
- Record perimeter, licences, reporting, sanctions, privacy, vendors, tests and the status of the 2026 draft AML amendment.
- Preuves à conserver
- Signed pack, source register and approvals.
- Source primaire
- Official sources listed below
Registre des sources primaires
17 sources utilisées pour cette checklist
Utilisez ces liens pour vérifier la législation, les lignes directrices, les procédures de déclaration et les statuts internationaux.
- Anti Money Laundering and Counter Terrorist Financing Law No. 20 of 2021AMLU · Primary legislation - official English translation
- Official Gazette issue 5743Prime Ministry of Jordan · Official gazette
- Reporting-entity obligationsAMLU · Official guidance
- AMLU instructions registerAMLU · Official instructions register
- Suspicious activity reporting FAQ and goAML routeAMLU · Official filing guidance
- High-risk countries and National Committee Decision 2/2026AMLU · Official current guidance
- CBJ AML/CFT instructions registerCentral Bank of Jordan · Official supervisory register
- Electronic KYC Instructions No. 7/2021Central Bank of Jordan · Official supervisory instructions
- Beneficial ownership register guidanceCompanies Control Department · Official registry guidance
- Beneficial ownership official register pageCompanies Control Department · Official registry portal
- Cross-border cash declaration under Law 20/2021Jordan Customs · Official guidance
- Personal Data Protection Law No. 24 of 2023Ministry of Digital Economy and Entrepreneurship · Primary legislation - official translation
- Personal Data Protection Directorate and implementation guidanceMinistry of Digital Economy and Entrepreneurship · Official regulator guidance
- Jordan Follow-Up Report 2025FATF / MENAFATF · Authoritative assessment
- FATF increased monitoring - 19 June 2026FATF · Authoritative current status
- FATF call for action - 19 June 2026FATF · Authoritative current status
- September 2026 draft AML amendment statusJordan News Agency (Petra) · Official news - draft only
Réponses directes
Questions KYC, KYB et AML pour Jordanie
Who receives suspicious activity reports?+
The Anti-Money Laundering and Counter Terrorist Financing Unit receives reports through the prescribed goAML route.
When must a SAR be filed?+
Immediately when suspicion or reasonable grounds arise, including attempted activity and regardless of value.
How long are AML records retained?+
At least five years, with the trigger depending on transaction completion or relationship termination; apply the longer relevant period.
What is Jordan's beneficial-owner threshold?+
Apply Regulation 62/2022 and current CCD guidance, including relevant 20% criteria, but also identify ultimate effective control; a percentage is not a safe harbour.
What is the JOD 10,000 rule?+
It is a declaration rule for physical cross-border cash or bearer negotiable instruments above JOD 10,000 or equivalent, not a universal customer-reporting threshold.
Can onboarding be electronic?+
Yes where the regulated activity and product meet CBJ Instructions 7/2021 and all applicable identity, authentication and risk controls.
Are biometrics sensitive data?+
Yes. Apply Law 24/2023, current implementing instruments, DPIA guidance and any DPO requirements.
Is the September 2026 AML amendment operative?+
No evidence of enactment was found as at 7 October 2026; treat it as a draft and monitor the Official Gazette.
Is Jordan on a FATF public list?+
No at 19 June 2026, but absence is not a low-risk conclusion.
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 7 October 2026. Confirm controlling Arabic text, later Gazette enactments, current sector instructions, AMLU filing specifications, beneficial-owner procedures, sanctions directions, privacy regulations and licensing with the competent authority and qualified Jordan counsel.