Venezuela KYC, KYB & AML compliance checklist
Une checklist pratique et sourcée pour mettre en œuvre les exigences KYC, KYB et AML en Venezuela.
- Dernière revue
- Dernière revue:
- Version
- Version 1.0
Réponse directe
Que couvre la checklist de conformité pour Venezuela ?
La checklist pour Venezuela traduit les principales règles KYC, KYB et AML en 11 domaines de contrôle et 31 contrôles d’implémentation, avec les autorités, obligations de déclaration et preuves à conserver.
Faits réglementaires clés
- FIU
- Unidad Nacional de Inteligencia Financiera (UNIF)
- Primary framework
- LOCDOFT and activity-specific supervisor rules
- Suspicion reporting
- Attempted or completed suspicious activity, regardless of amount, to UNIF; timing is sector-specific
- Beneficial ownership
- Identify and verify under the applicable sector rule; no single public central BO register confirmed
- Retention
- At least five years; banking and insurance sector rules may require ten years
- FATF status
- Increased monitoring as at 19 June 2026
Détail d’implémentation
Exigences et actions de conformité pour Venezuela
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 selecting controls.3 éléments+
Determine whether each activity is a reporting entity under LOCDOFT or a sector rule.
- Action d’implémentation
- Map the legal entity, products, customers and channels to LOCDOFT articles 7-9 and the current supervisor perimeter; obtain local advice for gaps.
- Preuves à conserver
- Applicability memo, product map and authority or counsel confirmation.
- Source primaire
- LOCDOFT arts. 7-9; applicable sector rule
Treat UNIF as the national FIU and reporting recipient.
- Action d’implémentation
- Complete applicable RUSO and supervisor onboarding, nominate authorised users and test the prescribed UNIF channel.
- Preuves à conserver
- Registrations, user approvals, access test and reporting procedure.
- Source primaire
- LOCDOFT arts. 13 and 25
Obtain authorisation before regulated banking, insurance, securities, payments, exchange or virtual-asset activity.
- Action d’implémentation
- Classify the model with the competent supervisor and obtain every licence or registration before launch.
- Preuves à conserver
- Perimeter analysis, authority correspondence and licence register.
- Source primaire
- Applicable sector legislation and supervisor rules
02Governance and risk assessmentControls must reflect the sector and Venezuela-specific risk.2 éléments+
Maintain documented AML/CFT/CPF risk governance.
- Action d’implémentation
- Approve customer, product, channel, geography, sanctions and technology assessments and proportionate controls.
- Preuves à conserver
- Board approvals, risk assessment, manual, testing and remediation log.
- Source primaire
- LOCDOFT arts. 8 and 10-19; applicable sector rule
Appoint the required compliance function.
- Action d’implémentation
- Confirm eligibility, independence, resources, reporting line and registration or approval requirements with the relevant supervisor.
- Preuves à conserver
- Appointment, role profile, authority filing and board minutes.
- Source primaire
- Applicable SUDEBAN, SUDEASEG, SUNAVAL, SAREN or other sector rule
03Natural-person identificationCDD uses reliable documents, data and risk-sensitive verification.3 éléments+
Identify and verify the customer before or while establishing the relationship.
- Action d’implémentation
- Collect identity, address, occupation or activity, purpose and expected activity and authenticate evidence under the applicable rule.
- Preuves à conserver
- Identity file, verification output, customer profile and approval.
- Source primaire
- LOCDOFT arts. 11-12 and 16
Identify representatives and verify authority.
- Action d’implémentation
- Verify the representative and customer and authenticate the power or mandate before acting.
- Preuves à conserver
- Identity results, power, authority check and approval.
- Source primaire
- LOCDOFT art. 16; applicable sector rule
Escalate incomplete or unreliable CDD without assuming an unrestricted exit right.
- Action d’implémentation
- Do not establish an unidentified relationship; for an existing relationship, document legal review because LOCDOFT article 15 may require judicial authority to suspend, close or cancel service, and assess a confidential SAR.
- Preuves à conserver
- Exception, legal review, service decision and SAR analysis.
- Source primaire
- LOCDOFT arts. 11, 13 and 15; sector rule
04KYB, registries, and beneficial ownershipRegistry evidence does not replace ownership and control analysis.3 éléments+
Verify legal existence, purpose, address, governance and authority.
- Action d’implémentation
- Obtain current Commercial Registry, constitutive, RIF, director, signatory and power evidence and reconcile changes.
- Preuves à conserver
- Registry extract, constitutive documents, RIF and powers.
- Source primaire
- Commercial Code arts. 201-336; Registries and Notaries Law; sector rule
Identify and verify natural-person beneficial owners under the applicable sector rule.
- Action d’implémentation
- Trace ownership and control layers, document the sector definition used and do not invent a universal ownership threshold or fallback test.
- Preuves à conserver
- Ownership chart, source records, control analysis and verified identities.
- Source primaire
- LOCDOFT art. 16; SUDEBAN Resolution 083.18 art. 49; applicable sector rule
Treat SAREN as a basic-information source, not a confirmed comprehensive public BO register.
- Action d’implémentation
- Obtain authorised registry evidence and supplement it with customer and independent records; investigate discrepancies.
- Preuves à conserver
- Registry record, access basis, supporting records and discrepancy decision.
- Source primaire
- Registries and Notaries Law; CFATF Venezuela MER, R.24
05PEPs, EDD, and remote onboardingHigh-risk cases require sector-specific enhanced measures.3 éléments+
Detect domestic and foreign PEPs, relatives and close associates.
- Action d’implémentation
- Screen customers and connected persons and extend screening to beneficial owners as an internal risk control where the sector text is incomplete.
- Preuves à conserver
- Screening, match decision and relationship map.
- Source primaire
- LOCDOFT arts. 4.19 and 18; applicable sector rule
Apply PEP approval, provenance and monitoring measures required by the sector.
- Action d’implémentation
- Obtain senior approval, source-of-funds and source-of-wealth evidence and enhanced monitoring to the extent required and risk-appropriate.
- Preuves à conserver
- Approval, provenance evidence and monitoring plan.
- Source primaire
- SUDEBAN Circular SIB-DSB-OPCLC-00161; sector PEP rule
Control non-face-to-face and technology risk.
- Action d’implémentation
- Validate identity, liveness, device, fraud, security and exception controls before relying on remote onboarding.
- Preuves à conserver
- Remote-onboarding assessment, tests and exceptions.
- Source primaire
- Applicable sector technology and CDD rules
06Monitoring and suspicious reportingUNIF reporting is confidential; scope and timing require careful sector mapping.3 éléments+
Monitor activity against the customer's profile.
- Action d’implémentation
- Detect and investigate unusual, complex, linked and attempted activity and preserve a reasoned conclusion.
- Preuves à conserver
- Alerts, investigation, disposition and rule governance.
- Source primaire
- LOCDOFT arts. 12-13; applicable sector rule
Report attempted or completed suspicious activity to UNIF regardless of amount.
- Action d’implémentation
- Apply the current sector trigger and deadline; do not substitute the general 30-day UNIF circular where a different binding sector period applies.
- Preuves à conserver
- SAR decision, chronology, submission and acknowledgement.
- Source primaire
- LOCDOFT arts. 4.2 and 13; applicable supervisor rule
Prevent tipping off and protect SAR confidentiality.
- Action d’implémentation
- Restrict access and prevent disclosure that a SAR was filed or that related activity is under review.
- Preuves à conserver
- Access logs, procedure and training.
- Source primaire
- LOCDOFT art. 14
07Payments, wires, thresholds, and agentsObjective reporting and payment requirements vary by activity.3 éléments+
Configure only applicable cash and objective reports.
- Action d’implémentation
- Confirm report type, threshold, currency conversion, aggregation, period and deadline with the current sector rule and UNIF channel before configuration.
- Preuves à conserver
- Rule copy, mapping, tests and receipts.
- Source primaire
- LOCDOFT art. 17; applicable sector rule
Preserve originator and beneficiary data for wire transfers.
- Action d’implémentation
- For bank transfers, apply the current SUDEBAN wire rule regardless of value and control missing information.
- Preuves à conserver
- Payment message, validation and exception decision.
- Source primaire
- SUDEBAN Circular SIB-DSB-UNIF-19610
Retain accountability for agents and outsourcing.
- Action d’implémentation
- Perform diligence, contract for security and record access, monitor performance and test retrieval.
- Preuves à conserver
- Due diligence, contract, monitoring and retrieval test.
- Source primaire
- Applicable sector governance and outsourcing rules
08Targeted financial sanctionsThe framework has material technical gaps; legal escalation is essential.3 éléments+
Screen applicable UN designations and national notices.
- Action d’implémentation
- Screen customers, beneficial owners, counterparties and transactions at onboarding, list updates and before execution.
- Preuves à conserver
- List source, update log, match logic and dispositions.
- Source primaire
- UN Security Council consolidated list; national Resolution 122 and Resolution 158 framework
Escalate potential matches immediately under the live sector and national process.
- Action d’implémentation
- Prevent unauthorised movement where legally supported, notify compliance and obtain the competent authority route before freeze, report, reject or release action.
- Preuves à conserver
- Match file, timestamps, legal basis and authority communications.
- Source primaire
- Resolutions 122 and 158; applicable sector rule
Do not overstate proliferation-financing freeze powers.
- Action d’implémentation
- Record the legal basis for each PF action; CFATF rated Recommendation 7 non-compliant in the 2025 follow-up.
- Preuves à conserver
- Legal analysis, authority instruction and controlled disposition.
- Source primaire
- CFATF Venezuela 2025 follow-up, R.7
09Records and regulator accessRetention varies between the statutory floor and sector overlays.3 éléments+
Retain transaction records for at least five years after completion.
- Action d’implémentation
- Apply any longer sector period; banking and insurance rules identified by CFATF extend relevant retention to ten years.
- Preuves à conserver
- Schedule, legal mapping, archive sample and deletion control.
- Source primaire
- LOCDOFT art. 10; SUDEBAN Resolution 083.18 art. 69; SUDEASEG Resolution SAA-8-004-2021 arts. 8 and 84
Retain CDD and correspondence for at least five years after relationship end or the occasional transaction.
- Action d’implémentation
- Link identity, ownership, monitoring and reporting support under stable identifiers and apply longer sector rules.
- Preuves à conserver
- CDD archive, case files and retrieval test.
- Source primaire
- LOCDOFT art. 10; applicable sector rule
Respond to lawful UNIF and supervisor requests.
- Action d’implémentation
- Authenticate the request, preserve confidentiality, collect reproducibly and log production and receipt.
- Preuves à conserver
- Request, legal review, production index and acknowledgement.
- Source primaire
- LOCDOFT arts. 8.6 and 25.2
10Privacy, biometrics, and transfersNo comprehensive general personal-data statute was confirmed; constitutional and sector duties remain relevant.3 éléments+
Document the lawful and proportionate basis for identity and AML processing.
- Action d’implémentation
- Map purpose, necessity, notice, security, retention, access and disclosure against constitutional habeas-data and sector duties.
- Preuves à conserver
- Data inventory, legal-basis memo, notices and rights procedure.
- Source primaire
- Constitution arts. 28 and 60; applicable sector confidentiality rules
Apply enhanced safeguards to biometric and sensitive data.
- Action d’implémentation
- Minimise collection, restrict access, test security, document necessity and assess cross-border vendor and transfer risk.
- Preuves à conserver
- Impact assessment, security tests, access controls and transfer analysis.
- Source primaire
- Constitution arts. 28 and 60; applicable special law and contract
Recheck legislative change before launch.
- Action d’implémentation
- Confirm whether a comprehensive data-protection law or implementing authority has become applicable after this review date.
- Preuves à conserver
- Dated legal update and counsel or authority confirmation.
- Source primaire
- CFATF Venezuela MER, R.2; current official gazette
11Practical evidence packsKeep concise packs that reproduce each decision.2 éléments+
Maintain a reconstructable onboarding pack.
- Action d’implémentation
- Bundle identity, KYB, ownership, screening, risk, approvals and exceptions.
- Preuves à conserver
- Complete sampled onboarding pack.
- Source primaire
- Operational control supporting LOCDOFT arts. 10-18
Maintain a reconstructable monitoring and reporting pack.
- Action d’implémentation
- Link transactions, alerts, analysis, approvals, submissions and post-filing controls while protecting confidentiality.
- Preuves à conserver
- Complete sampled case pack and access log.
- Source primaire
- Operational control supporting LOCDOFT arts. 10 and 13-14
Registre des sources primaires
8 sources utilisées pour cette checklist
Utilisez ces liens pour vérifier la législation, les lignes directrices, les procédures de déclaration et les statuts internationaux.
- Organic Law against Organized Crime and Terrorist Financing - legal analysis and operative provisionsCFATF / FATF · Authoritative mutual evaluation with statute citations
- Venezuela mutual evaluation and 2025 technical ratingsFATF · Authoritative country assessment
- Venezuela country page and current monitoring historyFATF · Authoritative country status
- Jurisdictions under increased monitoring - 19 June 2026FATF · Authoritative current status
- Venezuela third enhanced follow-up report announcementCFATF · Authoritative follow-up
- National securities supervisorSUNAVAL · Official financial supervisor
- Constitution of the Bolivarian Republic of VenezuelaSupreme Court of Justice · Primary constitutional text
- United Nations Security Council consolidated sanctions listUnited Nations · Authoritative sanctions list
Réponses directes
Questions KYC, KYB et AML pour Venezuela
Who receives suspicious activity reports in Venezuela?+
The Unidad Nacional de Inteligencia Financiera (UNIF).
When is a SAR filed?+
LOCDOFT covers attempted or completed suspicious activity regardless of amount. Filing periods vary by sector, so apply the current supervisor rule rather than inventing one universal deadline.
Is there one universal cash-report threshold?+
No universal amount should be assumed. Confirm the report, threshold, aggregation and deadline applicable to the entity and activity.
How long are AML records retained?+
LOCDOFT sets a five-year minimum. Banking and insurance rules identified by CFATF can require ten years for specified records.
Is beneficial ownership only a registry check?+
No. Apply the relevant sector definition and verify natural-person ownership and control; SAREN basic information does not replace customer due diligence.
What happens on a sanctions match?+
Escalate immediately, preserve the status quo where legally supported, and follow the competent authority and sector process. Venezuela's TF and PF targeted-sanctions framework has documented technical gaps.
Does Venezuela have a comprehensive general data-protection law?+
None was confirmed as applicable at the 14 August 2026 review. Constitutional habeas-data, privacy, secrecy and special-sector duties still require documented safeguards.
Is Venezuela on a FATF public list?+
Yes. It remained under increased monitoring on 19 June 2026. FATF does not call for automatic enhanced due diligence solely because of listing; use a documented risk-based approach.
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 and legally scoped as applicable on 14 August 2026. Confirm reporting-entity status, current sector rules, RUSO and UNIF filing specifications, cash-report parameters, beneficial-owner tests, sanctions mechanics, privacy basis, product licensing and official-portal availability with the competent supervisor and qualified Venezuelan counsel before launch.