Nicaragua KYC, KYB & AML compliance checklist
Une checklist pratique et sourcée pour mettre en œuvre les exigences KYC, KYB et AML en Nicaragua.
- Dernière revue
- Dernière revue:
- Version
- Version 1.0
Réponse directe
Que couvre la checklist de conformité pour Nicaragua ?
La checklist pour Nicaragua traduit les principales règles KYC, KYB et AML en 11 domaines de contrôle et 33 contrôles d’implémentation, avec les autorités, obligations de déclaration et preuves à conserver.
Faits réglementaires clés
- FIU
- Unidad de Análisis Financiero (UAF)
- Primary framework
- Laws 976 and 977; Law 1282 amendments effective 19 June 2026
- Suspicion reporting
- ROS to UAF through SIREL immediately after analysis establishes suspicion; regardless of amount
- Beneficial ownership
- Identify ultimate natural-person ownership or control; mercantile-company register under Law 1035
- Retention
- At least 5 years after relationship termination or occasional transaction
- FATF status
- Not on FATF public lists dated 13 February 2026; recheck live lists
Détail d’implémentation
Exigences et actions de conformité pour Nicaragua
Ouvrez chaque domaine pour consulter l’exigence, l’action recommandée, les preuves à conserver et la source primaire utilisée.
01Scope, authorities, and licensingClassify each entity, activity and delivery model before applying sector rules.3 éléments+
Determine whether each activity is a reporting entity and identify its prudential and AML supervisor.
- Action d’implémentation
- Map services against Law 977 article 9 and current UAF, SIBOIF, CONAMI and professional-sector rules; document uncertain scope.
- Preuves à conserver
- Applicability memo, service map and authority or counsel confirmation.
- Source primaire
- Law 977 arts. 9-10; Law 1282 (2026)
Treat UAF as the national FIU and recipient of required reports.
- Action d’implémentation
- Complete required registration, nominate authorised users, test SIREL access and maintain current submission procedures.
- Preuves à conserver
- UAF registration, user approvals, access test and channel procedure.
- Source primaire
- Law 976 arts. 3-5; UAF-N-023-2023
Obtain authorisation before regulated banking, payments, remittance, microfinance or virtual-asset activity.
- Action d’implémentation
- Classify the product with the competent authority and secure every licence, registration or no-objection before launch.
- Preuves à conserver
- Licence analysis, authorisation and permitted-activity register.
- Source primaire
- Law 977 art. 9; Law 1282 art. 1; sector legislation and regulations
02Governance and risk assessmentControls must reflect national, sector, institutional and customer risk.3 éléments+
Maintain a governing-body-approved risk-based prevention programme.
- Action d’implémentation
- Document policies, risk appetite, CDD, monitoring, reporting, sanctions, training, assurance and remediation; update for legal and risk changes.
- Preuves à conserver
- Approvals, manual, training records, testing and remediation log.
- Source primaire
- Law 977 arts. 11-12; UAF-N-019-2019 and UAF-N-020-2019
Appoint a qualified compliance officer where required.
- Action d’implémentation
- Obtain UAF no-objection or sector approval, document authority and resources, and appoint a substitute where the current rule requires one.
- Preuves à conserver
- Appointment, no-objection, role profile and board minutes.
- Source primaire
- Law 977 art. 15; UAF-N-024-2024
Assess and document institutional and customer risk.
- Action d’implémentation
- Cover customers, products, services, channels and geography; submit periodic materials only on the timetable applicable to the entity and current supervisor instruction.
- Preuves à conserver
- Risk methodology, assessment, customer scores and submission receipts.
- Source primaire
- Law 977 arts. 11-12; UAF-N-019-2019 arts. 4-6; UAF-N-020-2019 arts. 4-6
03Natural-person identificationIdentify and verify customers, users and representatives using reliable independent evidence.4 éléments+
Identify and verify customers before establishing a relationship or executing a triggered occasional transaction.
- Action d’implémentation
- Collect official identity, address, occupation or activity, purpose and expected activity; authenticate evidence and resolve discrepancies.
- Preuves à conserver
- Identity file, verification output, profile and approval.
- Source primaire
- Law 977 arts. 13-14; UAF-N-019-2019 arts. 13-16
Apply CDD on relationship, suspicion, threshold and unreliable-data triggers.
- Action d’implémentation
- Configure current sector triggers and aggregation logic; do not treat any threshold as a safe harbour from suspicion review.
- Preuves à conserver
- CDD trigger matrix, test results and case files.
- Source primaire
- Law 977 arts. 13-14; applicable sector rule
Verify representatives and authority to act.
- Action d’implémentation
- Identify the representative, authenticate powers and verify the customer on whose behalf the person acts.
- Preuves à conserver
- Identity results, power, registry evidence and approval.
- Source primaire
- Law 977 art. 13; UAF-N-019-2019 art. 14
Refuse or end service when required CDD cannot be completed.
- Action d’implémentation
- Do not open or continue the relationship, document the decision and assess a confidential ROS without tipping off.
- Preuves à conserver
- Decline or exit record, escalation and ROS decision.
- Source primaire
- Law 977 arts. 13, 20-21
04KYB, registries, and beneficial ownershipRegistry evidence supports but does not replace ownership and control verification.4 éléments+
Verify legal existence, purpose, address and authority.
- Action d’implémentation
- Obtain current Public Mercantile Registry evidence, constitutive documents, tax identity, directors, signatories and powers.
- Preuves à conserver
- Registry extract, constitutive documents, tax record and powers.
- Source primaire
- Law 977 art. 13; Law 1035 (2020)
Identify the natural person who ultimately owns or controls the customer.
- Action d’implémentation
- Trace ownership and control through every layer and apply the applicable legal sequence; do not substitute a registry declaration for independent CDD.
- Preuves à conserver
- Ownership chart, source records, control analysis and verified identities.
- Source primaire
- Law 977 arts. 4, 13; UAF-N-019-2019; UAF-N-020-2019
Verify and refresh the registered beneficial-owner position.
- Action d’implémentation
- Obtain evidence of the Law 1035 declaration where applicable, monitor change cycles and escalate unexplained discrepancies.
- Preuves à conserver
- Registry evidence, declaration, refresh log and discrepancy decision.
- Source primaire
- Law 1035 arts. 1-2; Registry Beneficial Owner Normative
Respect restricted access to the beneficial-owner register.
- Action d’implémentation
- Use customer-supplied and lawfully accessible registry evidence; do not describe the register as an unrestricted public database.
- Preuves à conserver
- Access basis, search log, customer evidence and legal assessment.
- Source primaire
- Law 1035 art. 1
05PEPs, EDD, and remote onboardingHigher risk requires senior oversight, provenance evidence and enhanced monitoring.3 éléments+
Detect domestic, foreign and international-organisation PEPs and relevant connected persons.
- Action d’implémentation
- Screen customers and beneficial owners at onboarding and periodically; apply the definition as amended by Law 1282.
- Preuves à conserver
- Screening output, match disposition and refresh schedule.
- Source primaire
- Law 977 art. 4 as amended by Law 1282
Apply enhanced PEP controls.
- Action d’implémentation
- Obtain senior approval, establish source of wealth and funds and conduct enhanced ongoing monitoring.
- Preuves à conserver
- Approval, provenance file and monitoring plan.
- Source primaire
- Law 977 arts. 13-14; applicable sector regulation
Control non-face-to-face onboarding risk.
- Action d’implémentation
- Use proportionate document-authentication, liveness, device, fraud and first-payment measures and retain evidence of effectiveness.
- Preuves à conserver
- Remote-onboarding assessment, test results and exceptions.
- Source primaire
- Law 977 arts. 11-14; UAF-N-019-2019 and UAF-N-020-2019
06Monitoring and suspicious reportingSuspicion is independent of amount and reporting information is confidential.3 éléments+
Monitor activity against the customer profile and risk.
- Action d’implémentation
- Detect unusual, complex, linked and attempted activity; investigate promptly and preserve a reasoned conclusion.
- Preuves à conserver
- Alerts, investigation, disposition and monitoring-rule governance.
- Source primaire
- Law 977 arts. 20-21; UAF-N-019-2019 and UAF-N-020-2019
Report suspicious operations to UAF regardless of amount or completion.
- Action d’implémentation
- Immediately after analysis establishes suspicion, file the completed or attempted activity through SIREL with required support.
- Preuves à conserver
- ROS decision, supporting file, SIREL receipt and UAF reference.
- Source primaire
- Law 976 art. 2; Law 977 arts. 20-21; UAF-N-021-2019 art. 9
Prevent tipping off and protect ROS confidentiality.
- Action d’implémentation
- Restrict access, exclude ROS information from customer disclosures and train staff, agents and providers.
- Preuves à conserver
- Access logs, confidentiality procedure and training.
- Source primaire
- Law 977 art. 21; Law 976 confidentiality provisions
07Payments, wires, thresholds, and agentsReport types and thresholds vary by activity and current supervisory rule.3 éléments+
Configure every applicable objective report using the current UAF specification.
- Action d’implémentation
- Confirm transaction type, amount, currency, aggregation, period and deadline directly from UAF-N-021-2019, current manuals and sector instructions before configuration.
- Preuves à conserver
- Current rule copy, configuration approval, tests and receipts.
- Source primaire
- UAF-N-021-2019 arts. 10-13
Carry required originator and beneficiary information in transfers.
- Action d’implémentation
- Validate required data, preserve traceability and apply a risk-based reject, suspend or escalation rule for missing information.
- Preuves à conserver
- Payment message, validation and exception decision.
- Source primaire
- Law 977 art. 24 as amended by Law 1282; UAF transfer manuals
Control agents, third parties and outsourced providers while retaining accountability.
- Action d’implémentation
- Perform diligence, contract for record access and security, monitor performance and retrieve CDD evidence without delay.
- Preuves à conserver
- Due diligence, contracts, monitoring and retrieval tests.
- Source primaire
- Law 977 arts. 16, 24; applicable sector rule
08Targeted financial sanctionsLaw 1282 changed the 2026 immobilisation process; implement the current notice and judicial-validation sequence.3 éléments+
Screen against applicable UN designations and competent-authority notices.
- Action d’implémentation
- Screen customers, beneficial owners, counterparties and transactions at onboarding, before execution and on list updates, including aliases and ownership or control.
- Preuves à conserver
- List source, update logs, match logic and dispositions.
- Source primaire
- Law 977 arts. 41-42 as amended by Law 1282
Comply without delay with a notified immobilisation order.
- Action d’implémentation
- Prevent movement or availability, search databases, report results, assets and attempts, and preserve the competent-authority and judicial-validation trail.
- Preuves à conserver
- Notice, action timestamp, asset inventory, report and court record.
- Source primaire
- Law 1282 art. 1 amending Law 977 arts. 41-42
Release assets only under valid competent-authority process.
- Action d’implémentation
- Document false-positive, exemption or delisting analysis and obtain legally sufficient release instruction before action.
- Preuves à conserver
- Match file, authority instruction and controlled release approval.
- Source primaire
- Law 977 and Decree 15-2018, read with Law 1282
09Records and regulator accessRecords must reconstruct the relationship, transactions and compliance decisions.3 éléments+
Retain CDD and relationship records for at least five years after termination.
- Action d’implémentation
- Preserve identity, beneficial ownership, authority, risk and refresh evidence in retrievable form.
- Preuves à conserver
- Retention schedule, archive sample and deletion control.
- Source primaire
- Law 977 art. 25
Retain occasional-transaction and reporting support for at least five years.
- Action d’implémentation
- Calculate the correct trigger and preserve transaction records, analyses, ROS and objective-report receipts.
- Preuves à conserver
- Transaction archive, case file and filing copies.
- Source primaire
- Law 977 art. 25; UAF-N-021-2019
Respond completely to lawful UAF and supervisor requests.
- Action d’implémentation
- Authenticate requests, protect confidentiality, produce retrievable records and log disclosure and receipt.
- Preuves à conserver
- Request, legal review, production log and acknowledgement.
- Source primaire
- Law 976 arts. 4-5; Law 977 art. 25
10Privacy, biometrics, and transfersLaw 787 applies to personal data in public and private files alongside sector secrecy and AML disclosure duties.2 éléments+
Process personal data on a documented lawful basis and for defined purposes.
- Action d’implémentation
- Map notices, consent or other legal basis, proportionality, access, correction, security and retention; separately assess AML statutory disclosures.
- Preuves à conserver
- Data inventory, notice, legal-basis record and rights procedure.
- Source primaire
- Law 787 arts. 1-8, 14-15
Apply special controls to sensitive and biometric data and international transfers.
- Action d’implémentation
- Obtain Nicaragua-specific advice, minimise collection, restrict access, document security and validate any transfer condition before launch.
- Preuves à conserver
- DPIA-style assessment, consent or exception, transfer analysis and safeguards.
- Source primaire
- Law 787 arts. 3, 7-8, 19 and 23
11Practical evidence packsKeep concise packs that let a reviewer reproduce each decision.2 éléments+
Maintain one reconstructable onboarding pack per customer.
- Action d’implémentation
- Bundle identity, KYB, ownership, screening, risk, approvals and exceptions under stable identifiers.
- Preuves à conserver
- Complete sampled onboarding pack.
- Source primaire
- Operational control supporting Law 977 arts. 11-16
Maintain one reconstructable monitoring and reporting pack per case.
- Action d’implémentation
- Link transactions, alerts, analysis, approvals, UAF submissions and post-filing controls while protecting confidentiality.
- Preuves à conserver
- Complete sampled case pack and access log.
- Source primaire
- Operational control supporting Law 977 arts. 20-25
Registre des sources primaires
12 sources utilisées pour cette checklist
Utilisez ces liens pour vérifier la législation, les lignes directrices, les procédures de déclaration et les statuts internationaux.
- Law 1282 - 2026 reforms to Laws 977, 976 and related statutesNational Assembly / UAF · Primary legislation - current amendment
- Consolidated Law 977 - AML/CFT/CPF lawNational Assembly of Nicaragua · Primary legislation - consolidated through 2024
- Consolidated Law 976 - Financial Analysis UnitCentral Bank of Nicaragua · Primary legislation - consolidated through 2024
- Decree 15-2018 - Regulation of Law 977National Assembly of Nicaragua · Executive regulation
- Current UAF normative inventoryUAF · Official regulatory inventory
- UAF guide for detecting and reporting suspicious operationsUAF · Official FIU guidance
- UAF supervisory and registry frequently asked questionsUAF · Official FIU guidance
- Law 1035 - Mercantile beneficial-owner registerNational Assembly of Nicaragua · Primary legislation
- Law 787 - Personal Data ProtectionNational Assembly of Nicaragua · Primary legislation
- CONAMI current AML/CFT/CPF legal frameworkCONAMI · Official sector regulatory inventory
- FATF Nicaragua country and assessment pageFATF · Authoritative country assessment
- FATF black and grey lists - 13 February 2026FATF · Authoritative current status
Réponses directes
Questions KYC, KYB et AML pour Nicaragua
Who receives suspicious-operation reports in Nicaragua?+
The Unidad de Análisis Financiero (UAF), through the authorised SIREL channel.
When is a ROS filed?+
Immediately after the entity's analysis establishes suspicion, including attempted activity and regardless of amount. Preserve the analysis and current SIREL receipt.
Is every transaction report tied to one universal threshold?+
No. Objective report types, amounts, aggregation and deadlines vary by activity and current UAF or sector rule; configure only from the live specification.
How long are AML records retained?+
At least five years after the relationship ends or the occasional transaction occurs, subject to any longer sector or authority requirement.
Is beneficial ownership only a registry check?+
No. Reporting entities must identify and verify the ultimate natural-person owner or controller; registry evidence supports but does not replace CDD.
Is the beneficial-owner register unrestricted and public?+
No. Law 1035 provides access for companies concerned, competent authorities and pertinent institutions; use only lawfully accessible evidence.
What changed in June 2026?+
Law 1282 amended Laws 977 and 976 and related statutes, including definitions, virtual-asset and transfer provisions and the targeted-financial-sanctions immobilisation process.
Is Nicaragua on a FATF public list?+
No. Nicaragua was not named on FATF's 13 February 2026 increased-monitoring or call-for-action lists reviewed on 10 August 2026. Recheck the live lists.
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 10 August 2026 and legally scoped as applicable on that date. Confirm live UAF/SIREL filing specifications, sector thresholds, SIBOIF and CONAMI overlays, registry access, sanctions procedures, data-protection administration and product-specific licensing with the competent authority and qualified Nicaraguan counsel before launch.