غينيا بيساو KYC, KYB & AML compliance checklist
قائمة عملية وموثقة بالمصادر لتنفيذ متطلبات KYC وKYB وAML في غينيا بيساو.
- تاريخ آخر مراجعة
- تاريخ آخر مراجعة:
- الإصدار
- الإصدار 1.0
إجابة مباشرة
ما الذي تغطيه قائمة الامتثال الخاصة بـ غينيا بيساو؟
تحوّل قائمة غينيا بيساو قواعد KYC وKYB وAML الأساسية إلى 11 مجالات رقابية و32 فحوص تنفيذ، وتشمل الجهات المختصة وواجبات الإبلاغ والأدلة الواجب الاحتفاظ بها.
حقائق تنظيمية أساسية
- FIU
- Cellula Nacional de Tratamento de Informacoes Financeiras (CENTIF-GB)
- Primary AML law
- Law No. 3/2018 of 6 August 2018
- Suspicion reporting
- Without delay to CENTIF-GB; written or traceable, with 48-hour written confirmation where required
- Cash and transfer reports
- Thresholds depend on current BCEAO instructions
- Core retention
- 10 years after relationship end or transaction execution
- FATF status
- Not named on FATF public lists as at 19 June 2026
تفاصيل التنفيذ
متطلبات وإجراءات الامتثال في غينيا بيساو
افتح كل مجال لمراجعة المتطلب وإجراء التنفيذ المقترح والأدلة الواجب الاحتفاظ بها والمصدر الأساسي.
01Scope, authorities, and licensingResolve the applicable law, entity, activity and supervisor before launch.3 عناصر+
Determine whether each activity is a reporting entity.
- إجراء التنفيذ
- Map every entity, product, channel and agent to the financial-institution, DNFBP or other covered categories and identify CENTIF-GB and the competent national or UMOA supervisor.
- الأدلة الواجب الاحتفاظ بها
- Applicability memo, product map and accountable-owner register.
- المصدر الأساسي
- Law No. 3/2018, Articles 5-6
Treat CENTIF-GB as the financial intelligence unit.
- إجراء التنفيذ
- Appoint authorised correspondents, obtain the current filing form and route, and test controlled access before operations begin.
- الأدلة الواجب الاحتفاظ بها
- Correspondent appointment, channel test, procedure and access approvals.
- المصدر الأساسي
- Law No. 3/2018, Articles 59-64 and 79-82
Obtain authorisation before regulated activity.
- إجراء التنفيذ
- Classify banking, payment, e-money, transfer, exchange, microfinance, insurance, securities, DNFBP and virtual-asset activities and obtain every required approval before launch.
- الأدلة الواجب الاحتفاظ بها
- Perimeter analysis, authority correspondence and licence register.
- المصدر الأساسي
- Law No. 3/2018, Articles 87-88; applicable UMOA, BCEAO and sector rules
02Governance and risk assessmentThe programme must be risk-based, documented and independently tested.3 عناصر+
Maintain an enterprise-wide ML/TF risk assessment.
- إجراء التنفيذ
- Assess customers, products, channels, geography, cash, agents, technology and proliferation exposure and update on material change.
- الأدلة الواجب الاحتفاظ بها
- Approved methodology, assessment, controls and version history.
- المصدر الأساسي
- Law No. 3/2018, Articles 10-11 and 90
Maintain written controls and an empowered compliance function.
- إجراء التنفيذ
- Assign senior accountability and confidential CENTIF-GB reporting authority; maintain screening, training, recruitment and independent-audit controls proportionate to risk.
- الأدلة الواجب الاحتفاظ بها
- Appointments, policies, training, testing and remediation log.
- المصدر الأساسي
- Law No. 3/2018, Articles 11 and 24
Assess new technology before use.
- إجراء التنفيذ
- Identify and mitigate ML/TF, fraud, security and privacy risks before launching new products, delivery mechanisms or technologies.
- الأدلة الواجب الاحتفاظ بها
- Pre-launch assessment, approval, tests and residual-risk acceptance.
- المصدر الأساسي
- Law No. 3/2018, Article 37
03Natural-person identificationCDD uses reliable evidence and continues through the relationship.3 عناصر+
Identify and verify customers and representatives.
- إجراء التنفيذ
- Verify the customer with reliable documents or information; identify any representative and verify identity and authority.
- الأدلة الواجب الاحتفاظ بها
- Identity file, source provenance, mandate and verification result.
- المصدر الأساسي
- Law No. 3/2018, Articles 18 and 25-28
Understand purpose and expected activity.
- إجراء التنفيذ
- Record relationship purpose, products, expected volumes, counterparties, geography and source of funds sufficient for risk rating and monitoring.
- الأدلة الواجب الاحتفاظ بها
- Customer profile, expected-activity baseline and approval.
- المصدر الأساسي
- Law No. 3/2018, Articles 19-20
Do not proceed where mandatory CDD fails.
- إجراء التنفيذ
- Do not open or execute, or terminate as applicable, when required identity or beneficial-owner information cannot be completed; consider confidential reporting.
- الأدلة الواجب الاحتفاظ بها
- Decline or exit decision, investigation and restricted reporting record.
- المصدر الأساسي
- Law No. 3/2018, Articles 28-29 and 79
04KYB, registries, and beneficial ownershipRegistry evidence does not replace natural-person ownership and control analysis.3 عناصر+
Verify legal existence, governance and authority.
- إجراء التنفيذ
- Obtain current RCCM, constitutional, address, director, signatory, tax and licence evidence and reconcile inconsistencies.
- الأدلة الواجب الاحتفاظ بها
- RCCM extract, statutes, powers, tax record and licence file.
- المصدر الأساسي
- Law No. 3/2018, Articles 25-27; OHADA Uniform Acts
Identify natural-person beneficial owners using the statutory test.
- إجراء التنفيذ
- Identify persons holding directly or indirectly more than 25% of capital or voting rights and persons exercising control by other means; document the analysis for other legal arrangements.
- الأدلة الواجب الاحتفاظ بها
- Ownership chart, source records, control analysis and verified identities.
- المصدر الأساسي
- Law No. 3/2018, Article 1(12) and Article 29
Treat company and beneficial-owner records as corroboration.
- إجراء التنفيذ
- Obtain and reconcile available RCCM, CFE and company-held information; record gaps and do not assume the central beneficial-owner fields are complete.
- الأدلة الواجب الاحتفاظ بها
- Registry extracts, company records, discrepancy log and escalation.
- المصدر الأساسي
- OHADA framework; GIABA 2022 MER; IMF Country Report 25/167
05PEPs, EDD, and remote onboardingPEPs, higher risk and remote relationships require enhanced controls.3 عناصر+
Detect PEP exposure in customers and beneficial owners.
- إجراء التنفيذ
- Use appropriate systems to identify foreign, domestic and international-organisation PEPs and connected-person risk.
- الأدلة الواجب الاحتفاظ بها
- Screening, relationship map, match decision and refresh log.
- المصدر الأساسي
- Law No. 3/2018, Articles 22 and 54
Apply PEP approval, provenance and monitoring measures.
- إجراء التنفيذ
- Obtain senior approval, take reasonable measures to establish source of wealth and funds, and conduct enhanced ongoing monitoring.
- الأدلة الواجب الاحتفاظ بها
- Approval, provenance analysis and monitoring plan.
- المصدر الأساسي
- Law No. 3/2018, Article 54
Control non-face-to-face and biometric risk.
- إجراء التنفيذ
- Apply enhanced identity, fraud, device, liveness, minimisation, security and exception controls proportionate to the remote channel and data used.
- الأدلة الواجب الاحتفاظ بها
- Remote-onboarding assessment, privacy review, tests and exceptions.
- المصدر الأساسي
- Law No. 3/2018, Article 21 and Article 37
06Monitoring and suspicious reportingCENTIF-GB reporting must be prompt, traceable and confidential.3 عناصر+
Monitor activity against the customer profile.
- إجراء التنفيذ
- Examine unusual, complex, linked or apparently purposeless activity and preserve a reasoned conclusion.
- الأدلة الواجب الاحتفاظ بها
- Alerts, investigation, disposition and rule governance.
- المصدر الأساسي
- Law No. 3/2018, Articles 19-20 and 32
Report suspicion without delay to CENTIF-GB.
- إجراء التنفيذ
- Report amounts or operations suspected, or reasonably suspected, to involve ML/TF; where reporting by phone or electronic means, confirm in writing within 48 hours as Article 81 requires.
- الأدلة الواجب الاحتفاظ بها
- Decision chronology, report, written confirmation, receipt and supplement log.
- المصدر الأساسي
- Law No. 3/2018, Articles 79 and 81
Prevent tipping off.
- إجراء التنفيذ
- Restrict access and do not disclose a report, its contents or CENTIF-GB follow-up to the customer or unauthorised third parties.
- الأدلة الواجب الاحتفاظ بها
- Access logs, confidentiality procedure and training.
- المصدر الأساسي
- Law No. 3/2018, Article 82
07Payments, wires, thresholds, and agentsPayment controls preserve required data and use only verified thresholds.3 عناصر+
Apply cash and transfer reports only at current prescribed thresholds.
- إجراء التنفيذ
- Obtain the current BCEAO instructions and CENTIF-GB method before configuring cash or fund-transfer reporting; aggregate only as the instrument requires.
- الأدلة الواجب الاحتفاظ بها
- Current instruction, configuration, filings and receipts.
- المصدر الأساسي
- Law No. 3/2018, Articles 13-15 and 79(7)
Preserve required wire-transfer information.
- إجراء التنفيذ
- Carry required originator and beneficiary information through the payment chain and reject or risk-govern incomplete information as applicable.
- الأدلة الواجب الاحتفاظ بها
- Message samples, validation rules, exceptions and escalation.
- المصدر الأساسي
- Law No. 3/2018, Articles 33-34
Retain accountability for agents and outsourcing.
- إجراء التنفيذ
- Verify permissions, diligence providers, contract for security and record access, train agents, monitor compliance and test retrieval.
- الأدلة الواجب الاحتفاظ بها
- Due diligence, contract, training, monitoring and retrieval test.
- المصدر الأساسي
- Law No. 3/2018, Articles 24, 52-53 and 87
08Targeted financial sanctionsUse current UN and applicable UMOA designations and controlled national procedures.3 عناصر+
Screen applicable designations.
- إجراء التنفيذ
- Screen customers, beneficial owners, controllers, representatives and transactions at onboarding, list updates and before relevant execution.
- الأدلة الواجب الاحتفاظ بها
- List inventory, update logs, screening configuration and dispositions.
- المصدر الأساسي
- Law No. 3/2018, Articles 105-107; UN consolidated list
Freeze covered property without delay or prior notice.
- إجراء التنفيذ
- Prevent prohibited movement or availability of covered funds and economic resources and escalate immediately under current national and UMOA procedures.
- الأدلة الواجب الاحتفاظ بها
- Freeze procedure, timestamps, legal basis and authority communication.
- المصدر الأساسي
- Law No. 3/2018, Articles 105-107; applicable UMOA instruments
Report and govern matches, false positives and release.
- إجراء التنفيذ
- Use the current competent-authority process, file a suspicious-operation report where warranted, and release only on documented lawful authority.
- الأدلة الواجب الاحتفاظ بها
- Reports, receipt, match rationale, authority instruction and reconciliation.
- المصدر الأساسي
- Law No. 3/2018, Articles 79 and 105-107
09Records and regulator accessRecords must reconstruct the customer, ownership, transaction and decision.3 عناصر+
Retain CDD and transaction records for ten years.
- إجراء التنفيذ
- Retain identity records for ten years after account closure or relationship end and transaction records for ten years after execution, subject to longer legal holds.
- الأدلة الواجب الاحتفاظ بها
- Schedule, configuration, archive sample and legal-hold log.
- المصدر الأساسي
- Law No. 3/2018, Article 35
Make transaction records reconstructable.
- إجراء التنفيذ
- Preserve sufficient account, transaction, correspondence, analysis and decision detail for competent-authority use.
- الأدلة الواجب الاحتفاظ بها
- Transaction reconstruction and retrieval test.
- المصدر الأساسي
- Law No. 3/2018, Articles 35-36
Respond securely to competent-authority requests.
- إجراء التنفيذ
- Authenticate requests, protect reporting confidentiality, produce reproducibly and log scope, timing and receipt.
- الأدلة الواجب الاحتفاظ بها
- Request, approval, production index and acknowledgement.
- المصدر الأساسي
- Law No. 3/2018, Articles 36, 64-67 and 82
10Privacy, biometrics, and transfersApply constitutional confidentiality and security safeguards; confirm sector and implementing rules.3 عناصر+
Document lawful and proportionate identity processing.
- إجراء التنفيذ
- Map purposes, data, authority, notices, access, security and retention; confirm current Guinea-Bissau privacy and sector requirements before production use.
- الأدلة الواجب الاحتفاظ بها
- Data inventory, legal assessment, notices and approvals.
- المصدر الأساسي
- Constitution of Guinea-Bissau, privacy and communications guarantees; Law No. 3/2018, Articles 78 and 89-90
Apply enhanced safeguards to biometric and sensitive data.
- إجراء التنفيذ
- Minimise collection, restrict access, test security and document a valid legal basis before biometric or sensitive-data use.
- الأدلة الواجب الاحتفاظ بها
- Impact assessment, legal basis, security tests and approval.
- المصدر الأساسي
- Constitutional privacy principles; applicable sector rules
Control processors, incidents and cross-border transfers.
- إجراء التنفيذ
- Bind processors, preserve confidentiality and security, and obtain current authority or counsel confirmation before configuring transfers or incident notices; do not invent a portal or deadline.
- الأدلة الواجب الاحتفاظ بها
- Processor contract, transfer assessment, incident procedure and authority guidance.
- المصدر الأساسي
- Law No. 3/2018, Articles 78 and 89-91; applicable privacy and sector rules
11Practical evidence packsMaintain concise packs that reproduce decisions and support supervisory access.2 عناصر+
Maintain a reconstructable onboarding pack.
- إجراء التنفيذ
- Bundle identity, KYB, beneficial ownership, screening, risk, approvals, privacy records and exceptions under stable identifiers.
- الأدلة الواجب الاحتفاظ بها
- Complete sampled onboarding pack.
- المصدر الأساسي
- Operational control supporting Law No. 3/2018
Maintain a reconstructable monitoring and reporting pack.
- إجراء التنفيذ
- Link transactions, alerts, analysis, approvals, reports and post-filing controls while protecting confidentiality.
- الأدلة الواجب الاحتفاظ بها
- Complete sampled case pack and access log.
- المصدر الأساسي
- Operational control supporting Law No. 3/2018, Articles 79-82
سجل المصادر الأساسية
10 مصدرًا مستخدمًا في هذه القائمة
استخدم هذه الروابط للتحقق من التشريعات وإرشادات الجهات الرقابية وإجراءات الإبلاغ والبيانات الدولية.
- Law No. 3/2018 on combating money laundering and terrorist financingProsecutor General's Office of Guinea-Bissau / Official Gazette · Primary national legislation
- 2023 UMOA uniform AML/CFT/CPF lawBCEAO · Primary regional legislative instrument - national enactment pending confirmation
- Guinea-Bissau mutual evaluation reportGIABA · Authoritative country assessment
- GIABA 2023 annual report - first Guinea-Bissau follow-upGIABA · Authoritative follow-up record
- GIABA 2024 annual reportGIABA · Authoritative follow-up status
- Guinea-Bissau 2025 Article IV consultationInternational Monetary Fund · Authoritative implementation-status source
- BCEAO Guinea-Bissau regulatory materialsBCEAO · Official financial regulator materials
- 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
إجابات مباشرة
أسئلة KYC وKYB وAML في غينيا بيساو
Who receives suspicious-operation reports?+
Guinea-Bissau's CENTIF-GB. Obtain its current prescribed route and form before production use.
When is suspicion reported?+
Without delay under Article 79. Article 81 requires traceable written transmission and written confirmation within 48 hours for reports initially made by phone or electronic means.
Are there cash or transfer thresholds?+
Yes, but Law No. 3/2018 leaves relevant thresholds to BCEAO instructions. Verify the current instruction and CENTIF-GB method before configuration.
How is company beneficial ownership determined?+
Law No. 3/2018 uses direct or indirect holdings above 25% of capital or voting rights, or control by other means. Reconcile this CDD analysis with available registry information.
How long are AML records retained?+
Ten years after account closure or relationship end for identity records, and ten years after execution for transaction records, under Article 35.
Is Guinea-Bissau on a FATF public list?+
It was not named on FATF's high-risk or increased-monitoring lists current at 19 June 2026, but remains in GIABA enhanced follow-up.
Has the 2023 UMOA uniform law replaced Law No. 3/2018?+
Not on the latest authoritative national-implementation evidence reviewed for this edition. Confirm enactment with the Official Gazette, CENTIF-GB and counsel before relying on the transition.
Can a regulated financial or payment product launch without approval?+
No. Classify the activity under current national and UMOA rules and obtain every competent-authority approval before launch.
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 or a licence determination. Reviewed as applicable on 28 August 2026. Confirm enactment of the 2023 UMOA uniform law, current CENTIF-GB filing specifications, BCEAO thresholds, targeted-sanctions procedures, beneficial-owner registry operation, privacy requirements and product permissions with the competent authority and qualified Guinea-Bissau counsel before launch.