الأرجنتين KYC, KYB & AML compliance checklist
قائمة عملية وموثقة بالمصادر لتنفيذ متطلبات KYC وKYB وAML في الأرجنتين.
- تاريخ آخر مراجعة
- تاريخ آخر مراجعة:
- الإصدار
- الإصدار 1.0
إجابة مباشرة
ما الذي تغطيه قائمة الامتثال الخاصة بـ الأرجنتين؟
تحوّل قائمة الأرجنتين قواعد KYC وKYB وAML الأساسية إلى 11 مجالات رقابية و44 فحوص تنفيذ، وتشمل الجهات المختصة وواجبات الإبلاغ والأدلة الواجب الاحتفاظ بها.
حقائق تنظيمية أساسية
- National FIU
- Unidad de Informacion Financiera (UIF) in the Ministry of Justice
- Core AML law
- Law 25,246, including the reforms made by Law 27,739 and later amendments
- Financial-sector rule
- UIF Resolution 14/2023, comprehensively amended by Resolution 199/2024
- ML suspicious report
- Without delay; for covered financial entities, within 24 hours after the suspicion decision and no later than 90 calendar days after the attempted or completed operation
- TF / PF report
- Without delay; the financial-entity rule uses 24 hours from the attempted or completed operation
- Retention
- At least 10 years under the current financial-entity rule, with different trigger dates for transaction and customer files
- AML beneficial owner
- Natural person with at least 10% capital or voting rights, or other final control; senior-manager fallback if no person is identified
- Cash control
- For covered financial entities, enhanced monitoring and depositor identification at 40 or more current minimum monthly wages, subject to stated exceptions
- Payments
- Payment service providers within the BCRA perimeter must register under the current PSP rules
- Virtual assets
- PSAVs are UIF reporting entities and require CNV registration and compliance with CNV General Resolution 1058/2025
- Privacy authority
- Agencia de Acceso a la Informacion Publica (AAIP) under Law 25,326
- FATF status
- FATF member and GAFILAT member; not on the FATF public call-for-action or increased-monitoring lists reviewed 1 August 2026
تفاصيل التنفيذ
متطلبات وإجراءات الامتثال في الأرجنتين
افتح كل مجال لمراجعة المتطلب وإجراء التنفيذ المقترح والأدلة الواجب الاحتفاظ بها والمصدر الأساسي.
01Scope, authorities and licensingArgentina uses a national AML statute with UIF rules tailored to each reporting sector. Resolve the legal entity, activity and supervisor before applying any threshold or timetable.4 عناصر+
Persons and activities listed in article 20 of Law 25,246 are reporting entities and must register with UIF and perform the duties set by article 21 and the applicable sector resolution.
- إجراء التنفيذ
- Classify every Argentine activity and legal entity against the current article 20 list, including financial, payment, securities, insurance, real-estate, professional and virtual-asset activities; register each covered entity and map its UIF rule.
- الأدلة الواجب الاحتفاظ بها
- Perimeter memorandum, activity map, UIF registration receipt, sector-resolution inventory, supervisor matrix and counsel approval.
- المصدر الأساسي
- Law 25,246 arts. 20-21; UIF Resolution 50/2011 as amended
Entities conducting habitual financial intermediation may not begin without prior BCRA authorization.
- إجراء التنفيذ
- Separate banking or financial intermediation from payment, technology and commercial services; obtain BCRA authorization before carrying on an activity within Law 21,526.
- الأدلة الواجب الاحتفاظ بها
- Product legal analysis, BCRA application and authorization, register extract, conditions and launch sign-off.
- المصدر الأساسي
- Law 21,526 arts. 1-8
Payment service providers within the BCRA's current PSP categories must register and satisfy the current PSP rules.
- إجراء التنفيذ
- Classify account, acquiring, initiation and other payment functions against the live BCRA consolidated PSP text; complete registration and do not imply that registration is a banking licence.
- الأدلة الواجب الاحتفاظ بها
- PSP classification, ARCA/BCRA filing receipts, live register extract, safeguarding and operational-control mapping.
- المصدر الأساسي
- BCRA consolidated rules for Payment Service Providers; BCRA PSP registration procedure
A PSAV within Law 25,246 must comply with the CNV registration and operating framework and is also a UIF reporting entity.
- إجراء التنفيذ
- Test each exchange, transfer, custody, administration and financial-service feature against the statutory PSAV definition; obtain CNV registration and satisfy General Resolution 1058 before regulated operations.
- الأدلة الواجب الاحتفاظ بها
- Token and service analysis, CNV application, registration, policies, capital and governance evidence, UIF registration and launch approval.
- المصدر الأساسي
- Law 27,739 arts. 4, 20(13), 37-39; CNV General Resolution 1058/2025
02Governance and risk assessmentGovernance details differ by sector. The current financial-entity rule requires a documented risk-based system with accountable leadership, independent review, training and effective monitoring.4 عناصر+
Covered financial entities must maintain an entity-level AML/CFT/CPF risk assessment and submit the required technical report to UIF on the applicable cycle.
- إجراء التنفيذ
- Assess customers, products, channels, geography, delivery methods and emerging risks; approve the method, remediate gaps and track the current filing date for the entity category.
- الأدلة الواجب الاحتفاظ بها
- Risk methodology, data sources, assessment, board approval, remediation log and UIF submission receipt.
- المصدر الأساسي
- UIF Resolution 14/2023 as amended, arts. 4-5
The governing body is responsible for approving and overseeing the prevention system and appointing a qualified primary and alternate compliance officer.
- إجراء التنفيذ
- Document appointments, independence, authority, resources, access and escalation; keep UIF records current and manage temporary substitution and removal notices.
- الأدلة الواجب الاحتفاظ بها
- Board minutes, appointments, UIF acknowledgements, role charter, budget, access matrix and succession record.
- المصدر الأساسي
- UIF Resolution 14/2023 as amended, arts. 7-12
The prevention system must be independently tested and personnel must receive continuous, role-appropriate training.
- إجراء التنفيذ
- Schedule internal audit and the applicable external independent review, track findings to closure and deliver annual plus role-specific training.
- الأدلة الواجب الاحتفاظ بها
- Audit plans and reports, reviewer registration, findings log, training materials, attendance and effectiveness tests.
- المصدر الأساسي
- UIF Resolution 14/2023 as amended, arts. 13, 18-19
Group policies and foreign operations must apply the more rigorous standard where local law permits, while documenting legal restrictions.
- إجراء التنفيذ
- Set a group minimum, compare Argentine and host rules, apply the stronger control where permitted and escalate conflicts or data-transfer limits.
- الأدلة الواجب الاحتفاظ بها
- Group standard, country comparison, legal-conflict analysis, approvals, testing and exception register.
- المصدر الأساسي
- UIF Resolution 14/2023 as amended, arts. 6 and 15
03Natural-person identification and failed CDDIdentification must use reliable evidence, cover representatives and support continuous understanding of the customer and expected activity.4 عناصر+
Financial entities must identify and verify natural-person customers using reliable documents, public registers or other trustworthy sources and retain the verification evidence.
- إجراء التنفيذ
- Capture full name, identity document, nationality, birth date, civil status, tax or labour identifier, addresses and occupation; authenticate the evidence and bind it to the applicant.
- الأدلة الواجب الاحتفاظ بها
- Customer file, document images, source query, authentication and liveness results where used, timestamps and reviewer decision.
- المصدر الأساسي
- UIF Resolution 14/2023 as amended, arts. 21-22
An attorney, guardian, representative, guarantor or authorised operator must be identified and their legal authority verified.
- إجراء التنفيذ
- KYC the acting person, obtain the mandate or authority document, confirm validity and scope and link the person to the correct customer and account permissions.
- الأدلة الواجب الاحتفاظ بها
- Representative KYC, power or mandate, verification source, authority analysis, permission record and expiry control.
- المصدر الأساسي
- UIF Resolution 14/2023 as amended, art. 22
Anonymous or fictitious-name accounts are prohibited, and CDD must occur before and during the relationship and for occasional transactions as required.
- إجراء التنفيذ
- Prevent account creation without resolved identity, purpose and risk; configure ongoing reviews and event-driven refreshes.
- الأدلة الواجب الاحتفاظ بها
- Onboarding controls, customer purpose, expected activity, risk rating, refresh schedule, test results and exception log.
- المصدر الأساسي
- UIF Resolution 14/2023 as amended, art. 21
If required CDD cannot be completed, the financial entity must not start or continue the relationship and must assess whether to file a suspicious report.
- إجراء التنفيذ
- Block onboarding or restrict and exit the relationship under a controlled process; preserve the reason, avoid tipping off and make a documented ROS decision.
- الأدلة الواجب الاحتفاظ بها
- System block, missing-information log, exit approval, communications, ROS decision and filing receipt where applicable.
- المصدر الأساسي
- UIF Resolution 14/2023 as amended, arts. 27 and 35
04KYB, registries and beneficial ownershipKYB must distinguish the customer entity, authorised people, AML beneficial owners, corporate registers and the separate national beneficial-owner reporting regime.4 عناصر+
Financial entities must verify a legal person's existence, registration, tax identifier, addresses, activity, governing body, representatives and beneficial owners.
- إجراء التنفيذ
- Obtain constitutive documents and current registry evidence, verify CUIT or equivalent, identify directors and representatives, and reconcile status and authority before activation.
- الأدلة الواجب الاحتفاظ بها
- Constitution and amendments, registry certificate, CUIT evidence, good-standing check, officer list, powers, reconciliation and approval.
- المصدر الأساسي
- UIF Resolution 14/2023 as amended, arts. 23-25
UIF Resolution 112/2021 treats a natural person with at least 10% capital or voting rights, or other direct or indirect final control, as a beneficial owner; if none is identified, the senior direction, administration or representative fallback applies.
- إجراء التنفيذ
- Trace every ownership tier, calculate direct and indirect holdings, test voting and other control, document reasonable verification and use the fallback only after recording why no controlling natural person was found.
- الأدلة الواجب الاحتفاظ بها
- Ownership chart, cap tables, registry and source records, percentage calculations, control analysis, declarations, verification and fallback rationale.
- المصدر الأساسي
- UIF Resolution 112/2021 arts. 2-6
Changes to a reporting entity's own beneficial owners must be notified to UIF and the relevant control body within 30 calendar days.
- إجراء التنفيذ
- Monitor ownership and control events, trigger a verified update and preserve the submission to each required authority.
- الأدلة الواجب الاحتفاظ بها
- Change alert, revised chart, verification, 30-day tracker, filings and acknowledgements.
- المصدر الأساسي
- UIF Resolution 112/2021 art. 7
Law 27,739 and ARCA General Resolution 5529/2024 implement the national Public Register of Beneficial Owners using information from current tax reporting regimes; corporate and provincial filings remain separate.
- إجراء التنفيذ
- Maintain the applicable ARCA participation and beneficial-owner filings, corporate books and local registry records; reconcile them with AML CDD and do not treat register access as a substitute for verification.
- الأدلة الواجب الاحتفاظ بها
- ARCA filings, public-register result where access is lawful, shareholder or quota books, IGJ or provincial filings, discrepancy log and remediation.
- المصدر الأساسي
- Law 27,739 arts. 28-32; ARCA General Resolution 5529/2024; Law 19,550 arts. 5 and 213
05PEPs, enhanced diligence and remote onboardingPEP status is a risk factor rather than an automatic prohibition. Foreign PEPs and other high-risk customers require the measures specified by the current sector rule.4 عناصر+
Reporting entities must determine whether customers and beneficial owners are foreign, domestic, subnational, international-organisation, family or close-associate PEPs under Resolution 35/2023 as amended by Resolution 192/2024.
- إجراء التنفيذ
- Obtain the required declaration, verify it against reliable public and private sources, screen related persons, retain evidence and reassess when roles change.
- الأدلة الواجب الاحتفاظ بها
- PEP declaration, screening results, public-function evidence, relationship analysis, review date and change alert.
- المصدر الأساسي
- UIF Resolution 35/2023 as amended by Resolution 192/2024
High-risk customers require evidence of source of income, funds and wealth, additional purpose information, stronger monitoring and other proportionate controls; foreign PEPs are expressly high risk under the financial-entity rule.
- إجراء التنفيذ
- Obtain senior approval where the applicable PEP rule requires it, corroborate wealth and funds, explain the relationship and intensify monitoring and refresh frequency.
- الأدلة الواجب الاحتفاظ بها
- Approval, source-of-wealth and source-of-funds pack, purpose, adverse-information review, monitoring plan and periodic review.
- المصدر الأساسي
- UIF Resolution 14/2023 as amended, arts. 27, 30-31; Resolution 35/2023 as amended
Non-face-to-face products require specific risk mitigation under Law 25,246 and the applicable sector standard.
- إجراء التنفيذ
- Map the remote flow to the controlling rule, authenticate identity, test impersonation and presentation attacks, capture consent and provide an accessible fallback.
- الأدلة الواجب الاحتفاظ بها
- Remote-onboarding legal map, vendor due diligence, biometric and liveness testing, device signals, consent and manual-review record.
- المصدر الأساسي
- Law 25,246 art. 21(k); UIF Resolution 14/2023 as amended, arts. 21-22
Reliance on a third party does not transfer responsibility and is permitted only with immediate access to CDD information, prompt document access, adequate supervision and data protection.
- إجراء التنفيذ
- Approve eligible third parties, contract for evidence and audit access, test retrieval, monitor performance and keep an exit plan.
- الأدلة الواجب الاحتفاظ بها
- Reliance assessment, contract, supervisor check, sample retrieval tests, monitoring, incidents and exit plan.
- المصدر الأساسي
- UIF Resolution 14/2023 as amended, art. 16
06Monitoring, suspicious reporting and confidentialitySuspicion-based reporting is separate from systematic reporting. Deadlines and report classes must be configured from the exact sector resolution and current UIF portal rules.4 عناصر+
Reporting entities must report attempted or completed suspicious facts or operations to UIF without delay and must not disclose the report or related action to the customer or third parties.
- إجراء التنفيذ
- Operate confidential escalation, preserve the knowledge and decision timestamps, file through the UIF channel and restrict access to the report and supporting material.
- الأدلة الواجب الاحتفاظ بها
- Alert, investigation, timestamps, decision, ROS, acknowledgement, access log and confidentiality controls.
- المصدر الأساسي
- Law 25,246 arts. 21(b)-(c) and 22
Under the current financial-entity rule, an ML ROS is due within 24 hours after the entity concludes the operation is suspicious and no later than 90 calendar days after the attempted or completed operation.
- إجراء التنفيذ
- Start the 90-day outer clock at the attempted or completed operation, document analysis milestones and file within 24 hours of the final suspicion decision.
- الأدلة الواجب الاحتفاظ بها
- Operation time, alert time, case chronology, decision time, filed report and UIF receipt.
- المصدر الأساسي
- UIF Resolution 14/2023 as amended, art. 40(c)(i)
The current financial-entity rule requires TF and proliferation reports within 24 hours of the attempted or completed operation, while cross-sector Resolutions 207/2025 and 3/2026 require relevant reports and measures without delay.
- إجراء التنفيذ
- Escalate TF and PF indicators immediately, use the applicable report type, coordinate the required freeze action and never wait for an ordinary ML investigation clock.
- الأدلة الواجب الاحتفاظ بها
- Indicator, operation time, escalation, sanctions result, report, acknowledgement, freeze record and authority communications.
- المصدر الأساسي
- UIF Resolution 14/2023 as amended, art. 40(c)(ii)-(iii); UIF Resolutions 207/2025 and 3/2026
Systematic reports are report- and sector-specific and do not replace a ROS.
- إجراء التنفيذ
- Maintain a live inventory of UIF Resolution 70/2011 report types, current threshold updates and filing windows for the entity; separately evaluate the same activity for suspicion.
- الأدلة الواجب الاحتفاظ بها
- Report inventory, data lineage, calendar, submissions, rejection corrections, reconciliations and parallel ROS decisions.
- المصدر الأساسي
- UIF Resolutions 70/2011 and 78/2025; applicable sector resolution
07Payments, wires, cash and agentsPayment controls combine BCRA perimeter rules with UIF CDD, monitoring and transfer-information obligations.4 عناصر+
Electronic transfers must carry accurate originator and beneficiary information through the payment chain and comply with BCRA rules.
- إجراء التنفيذ
- Capture and validate required party and account information, preserve it with the message, detect missing data and define reject, suspend or repair handling.
- الأدلة الواجب الاحتفاظ بها
- Message schema, validation rules, samples, exception queue, repair record and retention mapping.
- المصدر الأساسي
- UIF Resolution 14/2023 as amended, art. 41; applicable BCRA transfer rules
Financial entities must apply enhanced monitoring to cash deposits and identify the depositor for deposits at or above 40 current minimum monthly wages, subject to the rule's credential and collection-account treatment.
- إجراء التنفيذ
- Parameterise the current SMVM value, aggregate and monitor cash activity, identify the person depositing and the third party for whom the deposit is made, and document any stated exception.
- الأدلة الواجب الاحتفاظ بها
- SMVM source and effective date, threshold configuration, depositor KYC, third-party data, cash alerts and exception rationale.
- المصدر الأساسي
- UIF Resolution 14/2023 as amended by Resolution 78/2025, art. 42
Payment and account services must be delivered only within the legal entity's BCRA registration or authorization and must satisfy safeguarding, information-security and customer-protection requirements in the current rules.
- إجراء التنفيذ
- Map each function to the BCRA PSP category, keep customer funds and operational funds separated as required, monitor outsourced processors and reconcile balances.
- الأدلة الواجب الاحتفاظ بها
- BCRA status, product map, safeguarding accounts, daily reconciliations, security controls, outsourcing register and incidents.
- المصدر الأساسي
- BCRA consolidated rules for Payment Service Providers
Outsourcing or use of agents does not remove the regulated entity's responsibility for AML, customer information, service continuity and evidence access.
- إجراء التنفيذ
- Perform due diligence, define permitted activities, train and monitor agents or vendors, contract for audit and regulator access and maintain termination controls.
- الأدلة الواجب الاحتفاظ بها
- Vendor or agent file, contract, control map, training, monitoring results, complaints, incidents and exit record.
- المصدر الأساسي
- UIF Resolution 14/2023 as amended, arts. 6, 15-16; applicable BCRA rules
08Targeted financial sanctionsArgentina combines UN designations, the RePET domestic register and UIF administrative-freeze procedures. Screening alone is not the legal outcome.4 عناصر+
Reporting entities must screen customers, beneficial owners and operations against applicable UN lists and RePET and apply the current UIF terrorism-financing procedure.
- إجراء التنفيذ
- Screen at onboarding, continuously and on list updates; resolve aliases and ownership or control; preserve all potential-match analysis.
- الأدلة الواجب الاحتفاظ بها
- List sources and timestamps, screening configuration, match analysis, ownership review, decision and audit trail.
- المصدر الأساسي
- Law 25,246 art. 14(11); Decree 918/2012 as amended; UIF Resolution 207/2025
For the circumstances defined by Resolution 207/2025, reporting entities must freeze without delay and without prior notice, immediately inform UIF and file the terrorism-financing report.
- إجراء التنفيذ
- Block movement or availability immediately, prevent indirect access, send the required report and communication and follow UIF or judicial instructions.
- الأدلة الواجب الاحتفاظ بها
- Match time, freeze time, affected assets, blocked attempts, RFT, notification, acknowledgement and legal review.
- المصدر الأساسي
- UIF Resolution 207/2025 arts. 1 and 3
After notification of a UIF administrative freeze, the entity must check its customer base, immobilise covered assets and report results within 24 hours.
- إجراء التنفيذ
- Run a full retrospective and current search, identify direct, indirect, joint or controlled assets, immobilise them and return the result within the deadline.
- الأدلة الواجب الاحتفاظ بها
- Notification time, population searched, query, results, freeze ledger and 24-hour response receipt.
- المصدر الأساسي
- UIF Resolution 207/2025 art. 4
Resolution 3/2026 establishes immediate reporting and freezing procedures for proliferation-financing designations.
- إجراء التنفيذ
- Maintain DPRK and other operative proliferation-list coverage, screen ownership and control, freeze without delay where required and use the dedicated FP report route.
- الأدلة الواجب الاحتفاظ بها
- List inventory, update log, screening and control analysis, freeze time, FP report and authority communications.
- المصدر الأساسي
- UIF Resolution 3/2026
09Records and regulator accessRetention must preserve reconstruction, decision provenance and rapid access. The financial-entity rule uses separate clocks for operations and customer files.4 عناصر+
Financial entities must keep operation documents for at least 10 years from the operation and make them sufficient to reconstruct individual transactions.
- إجراء التنفيذ
- Retain amount, currency, parties, instructions, messages, approvals and execution evidence in protected physical or digital form.
- الأدلة الواجب الاحتفاظ بها
- Retention schedule, sample reconstructed transaction, immutable logs, access controls, backup and destruction hold.
- المصدر الأساسي
- UIF Resolution 14/2023 as amended, art. 17(a)
Customer, beneficial-owner, CDD, accounting and commercial-correspondence records must be kept for at least 10 years from customer exit or the last transaction, whichever is later, subject to the stated foreign-exchange treatment.
- إجراء التنفيذ
- Calculate the later trigger, include analysis and verification outputs, suspend destruction for investigations and document the sector-specific exception.
- الأدلة الواجب الاحتفاظ بها
- Customer timeline, trigger calculation, file manifest, legal holds, archive tests and destruction approvals.
- المصدر الأساسي
- UIF Resolution 14/2023 as amended, art. 17(b)
Digital records must be protected against unauthorised access and backed up in the same type of medium.
- إجراء التنفيذ
- Encrypt records, restrict and review access, maintain resilient backups, test restoration and log exports to authorities.
- الأدلة الواجب الاحتفاظ بها
- Security design, access reviews, backup reports, restore tests, incident logs and evidence-delivery record.
- المصدر الأساسي
- UIF Resolution 14/2023 as amended, art. 17
The entity must be able to answer competent-authority requests within the required time.
- إجراء التنفيذ
- Maintain a request protocol, legal review, complete evidence index, secure delivery path and chain of custody.
- الأدلة الواجب الاحتفاظ بها
- Request register, search log, approval, production index, delivery receipt and chain-of-custody record.
- المصدر الأساسي
- Law 25,246 arts. 14 and 21; UIF Resolution 14/2023 as amended, art. 17(c)
10Privacy, biometrics and international transfersAML processing and privacy obligations apply together. A statutory reporting duty does not authorise unrelated reuse or weak security.4 عناصر+
Law 25,326 requires personal data to be adequate, relevant, accurate, secure and processed for legitimate stated purposes, with consent unless a legal exception applies.
- إجراء التنفيذ
- Map each KYC data field to purpose and legal basis, provide the required notice, minimise collection, correct inaccuracies and restrict secondary use.
- الأدلة الواجب الاحتفاظ بها
- Data inventory, legal-basis matrix, privacy notice, consent where relied on, accuracy controls, access and correction workflow.
- المصدر الأساسي
- Law 25,326 arts. 4-11
Sensitive data, including biometric data when it reveals protected characteristics or is used as a uniquely identifying template, requires heightened purpose, access and security controls.
- إجراء التنفيذ
- Document necessity, choose the least intrusive method, separate templates from identity data, encrypt them, restrict access and define deletion and fallback.
- الأدلة الواجب الاحتفاظ بها
- Necessity assessment, biometric design, vendor terms, consent or legal basis, encryption, access reviews, deletion tests and fallback results.
- المصدر الأساسي
- Law 25,326 arts. 2, 7 and 9; AAIP security guidance
International transfers to destinations without Argentine adequacy require an applicable statutory exception or appropriate safeguards such as the approved model clauses.
- إجراء التنفيذ
- Identify every destination and onward transfer, check the AAIP adequacy list, execute the correct safeguard and monitor importer and subprocessors.
- الأدلة الواجب الاحتفاظ بها
- Transfer map, adequacy check, model clauses or exception analysis, importer assessment, subprocessor list and review log.
- المصدر الأساسي
- Law 25,326 art. 12; AAIP Disposition 60-E/2016 as amended; AAIP international-transfer guidance
Controllers must implement technical and organisational security appropriate to the data and prevent unauthorised access, alteration, disclosure or destruction.
- إجراء التنفيذ
- Apply encryption, least privilege, logging, secure development, vendor controls and a tested incident-response process; evaluate voluntary and sector incident notices.
- الأدلة الواجب الاحتفاظ بها
- Security risk assessment, control tests, access logs, penetration results, incident plan, exercises and notification decisions.
- المصدر الأساسي
- Law 25,326 art. 9; Decree 1558/2001; applicable BCRA or CNV security rules
11Practical evidence packsA defensible programme must reproduce what the institution knew, why a control applied and when each decision occurred.4 عناصر+
Each onboarding decision should be reproducible from authoritative source evidence.
- إجراء التنفيذ
- Bundle identity, KYB, ownership, authority, screening, purpose, risk, approvals and exceptions under a stable customer identifier.
- الأدلة الواجب الاحتفاظ بها
- Timestamped onboarding pack with source URLs, query results, hashes, reviewer and final decision.
- المصدر الأساسي
- Implementation control supporting Law 25,246 art. 21 and the applicable sector resolution
Every monitoring alert must show the scenario, data, analysis, decision and reporting chronology.
- إجراء التنفيذ
- Preserve model version, inputs, related activity, investigator steps, rationale, decision and any report receipt.
- الأدلة الواجب الاحتفاظ بها
- Alert case, model and rule version, linked transactions, notes, approvals, ROS or dismissal and quality review.
- المصدر الأساسي
- UIF Resolution 14/2023 as amended, arts. 37-40
Thresholds and deadlines must remain linked to the current rule and effective value.
- إجراء التنفيذ
- Maintain a legal-parameter register for SMVM-linked controls, UIF reports, retention clocks, registry updates and sanctions responses; require tested change approval.
- الأدلة الواجب الاحتفاظ بها
- Parameter register, source snapshot, effective date, change ticket, test cases, deployment and post-change review.
- المصدر الأساسي
- UIF Resolutions 14/2023, 78/2025, 112/2021, 207/2025 and 3/2026
Launch approval must confirm licensing, AML, sanctions, privacy, outsourcing and evidence readiness together.
- إجراء التنفيذ
- Use a cross-functional go-live gate and block release for unresolved legal perimeter, data flow, reporting or sanctions defects.
- الأدلة الواجب الاحتفاظ بها
- Signed launch checklist, legal opinions, control tests, residual-risk acceptance and rollback plan.
- المصدر الأساسي
- Implementation control; applicable BCRA, CNV, UIF and AAIP requirements
سجل المصادر الأساسية
25 مصدرًا مستخدمًا في هذه القائمة
استخدم هذه الروابط للتحقق من التشريعات وإرشادات الجهات الرقابية وإجراءات الإبلاغ والبيانات الدولية.
- Law 25,246 - consolidated AML/CFT/CPF frameworkArgentina.gob.ar / Infoleg · Primary legislation
- UIF Resolution 14/2023 - consolidated financial-entity ruleArgentina.gob.ar / Infoleg · Primary regulation
- UIF Resolution 199/2024 - amendments to Resolution 14/2023Argentina.gob.ar / Infoleg · Primary regulation
- UIF Resolution 112/2021 - beneficial-owner measuresArgentina.gob.ar / Infoleg · Primary regulation
- UIF Resolution 35/2023 - PEP regime, consolidatedArgentina.gob.ar / Infoleg · Primary regulation
- UIF Resolution 192/2024 - PEP amendmentsArgentina.gob.ar / Infoleg · Primary regulation
- UIF Resolution 207/2025 - terrorism reporting and freezingArgentina.gob.ar / Infoleg · Primary regulation
- UIF Resolution 3/2026 - proliferation reporting and freezingArgentina.gob.ar / Infoleg · Primary regulation
- Decree 918/2012 - consolidated administrative-freeze frameworkArgentina.gob.ar / Infoleg · Primary regulation
- UIF cross-sector resolutions directoryUnidad de Informacion Financiera · Official regulator directory
- Law 27,739 - 2024 AML reform, beneficial-owner register and PSAV regimeArgentina.gob.ar / Infoleg · Primary legislation
- ARCA General Resolution 5529/2024 - Public Register of Beneficial OwnersArgentina.gob.ar / Infoleg · Primary regulation
- ARCA General Resolution 4697/2020 - participation and beneficial-owner reporting, consolidatedArgentina.gob.ar / Infoleg · Primary regulation
- Law 19,550 - General Companies Law, consolidatedArgentina.gob.ar / Infoleg · Primary legislation
- IGJ beneficial-owner filing guidanceInspeccion General de Justicia · Official registry guidance
- Law 21,526 - Financial Entities Law, consolidatedArgentina.gob.ar / Infoleg · Primary legislation
- BCRA consolidated Payment Service Provider rulesBanco Central de la Republica Argentina · Primary regulator rulebook
- BCRA PSP registration procedureBanco Central de la Republica Argentina · Official regulator procedure
- CNV General Resolution 1058/2025 - PSAV frameworkComision Nacional de Valores · Primary regulation
- CNV regulatory directory - PSAV rulesComision Nacional de Valores · Official regulator directory
- Law 25,326 - Personal Data Protection Law, consolidatedArgentina.gob.ar / Infoleg · Primary legislation
- AAIP international-transfer guidance and adequacy listAgencia de Acceso a la Informacion Publica · Official regulator guidance
- AAIP Disposition 60-E/2016 - model transfer clauses, consolidatedArgentina.gob.ar / Infoleg · Primary regulation
- Argentina country page and 2024 mutual evaluationFinancial Action Task Force · Authoritative international assessment
- FATF black and grey listsFinancial Action Task Force · Authoritative current status
إجابات مباشرة
أسئلة KYC وKYB وAML في الأرجنتين
Who receives suspicious transaction reports in Argentina?+
Covered reporting entities file with the Unidad de Informacion Financiera (UIF) through the current UIF reporting channel and under the report type required by their sector and the suspected conduct.
What is the suspicious-reporting deadline?+
Law 25,246 requires reporting without delay. For entities under the current financial-sector Resolution 14/2023, an ML report is due within 24 hours after the entity concludes the operation is suspicious and no later than 90 calendar days after the attempted or completed operation. TF and PF reports use a 24-hour clock from the attempted or completed operation, alongside the without-delay rules in Resolutions 207/2025 and 3/2026.
Is there one universal cash transaction report threshold?+
No. Systematic reports are sector- and report-specific. For financial entities, article 42 requires enhanced cash-deposit monitoring and depositor identification at 40 or more current minimum monthly wages, subject to its stated treatment; this is not a universal rule for every business or report.
Who is a beneficial owner for Argentine AML CDD?+
Under UIF Resolution 112/2021, it is a natural person with at least 10% of capital or voting rights, or who otherwise exercises direct or indirect final control. If no such person can be identified, the natural person in charge of direction, administration or representation is used as a documented fallback.
Does Argentina have a beneficial-owner register?+
Yes. Law 27,739 created the Public Register of Beneficial Owners and General Resolution 5529/2024 implemented it using information from current ARCA reporting regimes and public-body exchanges. Corporate and provincial registry duties remain separate, and register data does not replace AML verification.
How long must AML records be retained?+
Under the current financial-entity rule, transaction documents are retained for at least 10 years from the operation. CDD, customer and beneficial-owner records are retained for at least 10 years from customer exit or the last transaction, whichever occurs later, with a stated treatment for certain foreign-exchange entities.
Do payment and virtual-asset businesses need registration or authorization?+
Potentially yes. PSPs within the BCRA perimeter must register under the current PSP rules. PSAVs are UIF reporting entities and are subject to CNV registration and General Resolution 1058/2025. Banking or financial intermediation requires separate BCRA authorization.
What happens on a sanctions-list match?+
The entity must follow the current terrorism or proliferation procedure, not merely close an alert. Resolution 207/2025 requires freezing without delay in its defined circumstances, immediate UIF notification and a terrorism report; Resolution 3/2026 supplies the proliferation procedure. UIF freeze notifications also trigger a 24-hour result-reporting duty.
What privacy law applies to KYC and biometrics?+
Law 25,326 and Decree 1558/2001 apply, supervised by AAIP, alongside sector security rules. Operators need a purpose and legal basis, data minimisation, security, rights handling and lawful safeguards for international transfers; an AML duty does not permit unrelated reuse.
Is Argentina on the FATF grey list?+
No, based on the FATF public lists reviewed 1 August 2026. Argentina is in enhanced follow-up after its 2024 mutual evaluation, but enhanced follow-up is not the public increased-monitoring list commonly called the grey list.
منهجية البحث والمراجعة
تحدد VOVE ID Compliance Research النطاق التنظيمي، وتحول الالتزامات إلى ضوابط تشغيلية، وتربط الادعاءات الجوهرية بالمصادر، وتسجل تاريخ وإصدار كل مراجعة.
General regulatory information, not legal advice, a licensing decision or a substitute for the operative Spanish text, sector rules, UIF portal instructions or regulator guidance. Reviewed 1 August 2026. Values linked to the Salario Minimo, Vital y Movil change; apply the current value and the exact sector rule. Confirm entity perimeter, reporting channel, threshold, deadline, registry access, privacy basis and later developments with qualified Argentine counsel and the competent authority before launch.