République dominicaine KYC, KYB & AML compliance checklist
Une checklist pratique et sourcée pour mettre en œuvre les exigences KYC, KYB et AML en République dominicaine.
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Réponse directe
Que couvre la checklist de conformité pour République dominicaine ?
La checklist pour République dominicaine traduit les principales règles KYC, KYB et AML en 11 domaines de contrôle et 44 contrôles d’implémentation, avec les autorités, obligations de déclaration et preuves à conserver.
Faits réglementaires clés
- National FIU
- Unidad de Análisis Financiero (UAF)
- Core AML framework
- Law 155-17 and implementing Decree 408-17
- Suspicious reports
- Within five business days after the transaction or attempted transaction is identified as suspicious
- Cash transaction report
- USD 15,000 equivalent aggregate within 24 hours; casino threshold USD 3,000
- Routine cash-report timing
- First ten calendar days of the following month
- Beneficial owner
- Natural person with final effective control; 20% ownership is an express statutory and regulatory limb, with control and senior-manager fallback
- Retention
- At least ten years after an occasional transaction or the end of the relationship
- PEP window
- Current or former prominent function within the previous three years, with risk-based treatment of family and close associates
- Privacy framework
- Law 172-13; document necessity, consent or statutory grounds and secure identity data
- Payments
- Banco Central authorization and the current Payment Systems Regulation apply by activity
- FATF status
- GAFILAT member; not named on FATF public increased-monitoring or call-for-action lists reviewed 1 August 2026
Détail d’implémentation
Exigences et actions de conformité pour République dominicaine
Ouvrez chaque domaine pour consulter l’exigence, l’action recommandée, les preuves à conserver et la source primaire utilisée.
01Scope, authorities and licensingClassification determines the supervisor, report channel and additional rulebook.4 éléments+
Law 155-17 applies to the financial subjects in article 32 and DNFBPs in article 33.
- Action d’implémentation
- Map every entity, product, customer type and Dominican nexus to the statutory category and applicable sector supervisor before onboarding.
- Preuves à conserver
- Perimeter memorandum, organization chart, activity map, supervisor matrix and counsel approval.
- Source primaire
- Law 155-17 arts. 31-33
Each obliged subject remains accountable for the AML/CFT duties attached to its category.
- Action d’implémentation
- Maintain an inventory of Law 155-17, Decree 408-17, sector rules, UAF formats and effective dates; assign owners for change monitoring.
- Preuves à conserver
- Legal inventory, change log, governance approvals and implementation tracker.
- Source primaire
- Law 155-17 arts. 34-35; Decree 408-17 art. 2
Banking, payment and other reserved financial activities require the authorization applicable to the legal entity and service.
- Action d’implémentation
- Obtain a written perimeter decision and all approvals before marketing or operating a reserved activity; verify the live authority register.
- Preuves à conserver
- Perimeter opinion, application, authorization, register extract, conditions and launch gate.
- Source primaire
- Monetary and Financial Law 183-02; Payment Systems Regulation
Cross-border or technology delivery does not itself remove Dominican regulatory obligations.
- Action d’implémentation
- Assess establishment, customer location, solicitation, settlement, custody and local-agent facts; obtain local advice for material uncertainty.
- Preuves à conserver
- Nexus analysis, product diagrams, customer terms, geofencing and legal sign-off.
- Source primaire
- Law 155-17 arts. 32-35; applicable sector rules
02Governance and risk assessmentThe program must be risk-based, documented and independently tested.4 éléments+
An obliged subject must maintain risk policies, hiring and training controls, discipline, ethics and independent external audit.
- Action d’implémentation
- Approve an entity-specific AML/CFT program, name control owners and test operating effectiveness at the required frequency.
- Preuves à conserver
- Board approval, manual, training, screening, disciplinary standard, ethics code and audit report.
- Source primaire
- Law 155-17 art. 34
Risk methods must consider customers, products, services, geography and delivery channels.
- Action d’implémentation
- Document inherent risk, controls, residual risk, scoring, overrides and review frequency; connect results to simplified, standard or enhanced measures.
- Preuves à conserver
- Enterprise and customer risk assessments, methodology, data inputs, validation and change log.
- Source primaire
- Law 155-17 arts. 36-37
A senior-level compliance officer must have authority and access appropriate to the role.
- Action d’implémentation
- Appoint and resource the officer, define escalation and succession and protect direct access to senior management.
- Preuves à conserver
- Appointment, role profile, fit assessment, committee minutes, budget and succession plan.
- Source primaire
- Law 155-17 art. 44
New products, practices and technologies must be assessed for ML/TF risk before launch.
- Action d’implémentation
- Gate material product and channel changes through AML, sanctions, privacy and security review and retest after deployment.
- Preuves à conserver
- New-product assessment, threat scenarios, approvals, test results and post-launch review.
- Source primaire
- Law 155-17 art. 45
03Natural-person KYC and representativesIdentity must be verified from reliable, independent information and linked to the person using the account or service.4 éléments+
Identify and verify a natural-person customer using reliable and independent sources.
- Action d’implémentation
- Capture required identity data, authenticate evidence, bind the applicant to it and resolve discrepancies before activation.
- Preuves à conserver
- Identity record, document images, authenticity and liveness results where used, timestamps and reviewer.
- Source primaire
- Law 155-17 art. 38
Identify a representative and verify the authority to act for the customer.
- Action d’implémentation
- Verify the representative, obtain the current mandate or power and check scope, validity and revocation.
- Preuves à conserver
- Representative KYC, mandate, notarial or registry check, authority decision and expiry control.
- Source primaire
- Law 155-17 art. 38
Understand the purpose and intended nature of the relationship.
- Action d’implémentation
- Collect occupation or business, purpose, expected activity, source information proportionate to risk and intended counterparties or corridors.
- Preuves à conserver
- Customer profile, expected activity, source evidence, discrepancy resolution and approval.
- Source primaire
- Law 155-17 arts. 38-39
If identity cannot be established and verified, the relationship or transaction must not proceed and suspicion must be considered.
- Action d’implémentation
- Block activation or execution, preserve the attempted activity, escalate and make a documented suspicious-report decision without tipping off.
- Preuves à conserver
- System block, refusal or failure record, escalation, report decision and communication log.
- Source primaire
- Law 155-17 art. 62
04KYB and beneficial ownershipLegal existence, authority, ownership and control are separate verification tasks.4 éléments+
For a legal person, verify name, tax identifier, legal form and existence, ownership and control, senior management and principal address.
- Action d’implémentation
- Obtain current formation and registry records, tax status, governing documents and signatory authority; reconcile inconsistencies.
- Preuves à conserver
- Registry extract, RNC evidence, constitutional documents, address, management list and discrepancy log.
- Source primaire
- Law 155-17 art. 40
Identify and take reasonable measures to verify the natural-person beneficial owner.
- Action d’implémentation
- Trace direct, indirect, contractual and de facto control to natural persons; corroborate declarations with reliable independent evidence.
- Preuves à conserver
- Ownership chart, cap table, voting agreements, control analysis, declarations and reviewer sign-off.
- Source primaire
- Law 155-17 arts. 2(5), 38 and 40
The implementing hierarchy uses 20% ownership, then control by other means, then senior-management fallback.
- Action d’implémentation
- Do not stop at the percentage test; document each step and the reason for any senior-manager fallback.
- Preuves à conserver
- Percentage calculation, indirect ownership, control memorandum, fallback rationale and approval.
- Source primaire
- Decree 408-17 art. 4
Tax beneficial-owner information and supporting documents must be filed and kept current under the DGII regime.
- Action d’implémentation
- Include required information in the annual declaration, report changes within the applicable maximum six-month period and keep supporting records ten years.
- Preuves à conserver
- DGII declaration, change log, filing receipt, source records, retention schedule and response pack.
- Source primaire
- Decree 408-17 arts. 38-44; DGII beneficial-owner guidance
05PEPs, EDD and relianceHigher-risk relationships require additional approval, source work and monitoring.4 éléments+
PEPs and customers connected to FATF high-risk jurisdictions are treated as high risk under Law 155-17.
- Action d’implémentation
- Screen customers, representatives and beneficial owners; determine the office, time window, family or associate connection and jurisdiction risk.
- Preuves à conserver
- Screening result, role analysis, relationship mapping, list version, adjudication and review date.
- Source primaire
- Law 155-17 arts. 2 and 46
PEP enhanced measures include senior approval, source of funds and wealth work and intensified monitoring.
- Action d’implémentation
- Obtain approval before starting or continuing, corroborate source evidence proportionate to risk and set enhanced scenarios and reviews.
- Preuves à conserver
- Approval, source-of-funds and wealth evidence, risk rationale, alert history and periodic review.
- Source primaire
- Decree 408-17 art. 18
Simplified diligence is permitted only for demonstrated lower risk and not where suspicion or high risk exists.
- Action d’implémentation
- Define eligible cases, minimum measures and disqualifiers; record the evidence and approval for every simplified decision.
- Preuves à conserver
- Simplified-DD policy, low-risk assessment, controls, approval and monitoring.
- Source primaire
- Law 155-17 arts. 42 and 46
Delegation does not transfer legal responsibility and information and records must be available without delay.
- Action d’implémentation
- Contract for immediate evidence access, audit rights, incident notice and exit; independently test vendor or group controls.
- Preuves à conserver
- Contract, due diligence, data-location map, sample retrieval tests, incidents and exit plan.
- Source primaire
- Law 155-17 art. 47; Decree 408-17 art. 22
06Monitoring and suspicious reportingOngoing monitoring and prompt UAF reporting apply to completed and attempted activity.4 éléments+
Monitor transactions against the customer profile and examine unusual or complex activity, including source, origin and destination where needed.
- Action d’implémentation
- Implement risk-calibrated scenarios, investigate alerts, document explanations and update the profile when facts change.
- Preuves à conserver
- Scenario inventory, alert, transaction trail, investigation, disposition, profile update and quality review.
- Source primaire
- Law 155-17 art. 39
A suspicious transaction report must be sent to UAF within five business days after a completed or attempted transaction is identified as suspicious.
- Action d’implémentation
- Record the decision timestamp, prepare and submit the ROS through the current UAF channel and preserve the acknowledgement.
- Preuves à conserver
- Alert, investigation, decision, report, submission timestamp, receipt and correction log.
- Source primaire
- Law 155-17 art. 55; DGII AML FAQ
Reporting and investigation information is confidential and tipping off is prohibited.
- Action d’implémentation
- Restrict access, separate customer communications from the report process and log any legally authorized disclosure.
- Preuves à conserver
- Access controls, confidentiality training, communications review, disclosure log and incident record.
- Source primaire
- Law 155-17 arts. 57-58 and 63
UAF and competent authorities can require information in the form and time directed.
- Action d’implémentation
- Maintain authenticated request handling, searchable records and an escalation path capable of meeting a shortened official deadline.
- Preuves à conserver
- Request, authority verification, production log, delivery receipt and remediation tracker.
- Source primaire
- Decree 408-17 arts. 24-26
07Threshold reports, transfers and cash controlsObjective reporting and payment restrictions are separate from suspicious reporting.4 éléments+
Cash transactions at or above USD 15,000 equivalent, aggregated for the same beneficiary within 24 hours, are reportable; casinos use USD 3,000.
- Action d’implémentation
- Apply currency conversion and 24-hour aggregation, retain the decision and use the current sector format.
- Preuves à conserver
- Threshold logic, exchange-rate source, aggregation record, report, receipt and exception testing.
- Source primaire
- Law 155-17 arts. 52-54
Monthly cash reports are submitted in the first ten calendar days of the following month and copies are retained ten years.
- Action d’implémentation
- Run completeness reconciliation, file by the applicable date and retain the report and acknowledgement under access control.
- Preuves à conserver
- Monthly reconciliation, calendar, submitted report, receipt and retention record.
- Source primaire
- Law 155-17 art. 53; DGII AML FAQ
Wire transfers must carry required originator and beneficiary information through the payment chain.
- Action d’implémentation
- Collect, validate, transmit and preserve required fields; stop or escalate missing or inconsistent information under policy.
- Preuves à conserver
- Message fields, validation result, exception queue, escalation and audit sample.
- Source primaire
- Law 155-17 arts. 48-49; Decree 408-17 arts. 20-21
Statutory cash-payment restrictions and indexed values must be checked against the current CONCLAFIT instrument.
- Action d’implémentation
- Do not hardcode an old peso amount; maintain a dated threshold table and require traceable payment evidence where applicable.
- Preuves à conserver
- Current resolution, threshold table, system configuration, payment proof and review log.
- Source primaire
- Law 155-17 art. 64; CONCLAFIT Resolution 2025-01; Decree 408-17 arts. 29-33
08Sanctions and targeted financial measuresList screening and freezing are distinct from ordinary transaction monitoring.4 éléments+
Obliged subjects must implement targeted financial sanctions and applicable United Nations list measures without delay.
- Action d’implémentation
- Screen at onboarding, on list updates and before relevant execution; validate potential matches promptly and prevent prohibited dealing.
- Preuves à conserver
- List sources and timestamps, screening logs, matching rules, adjudication and block record.
- Source primaire
- Decree 407-17; Law 155-17 arts. 64-65 framework
A confirmed targeted-financial-sanctions match requires immediate action and notification through the prescribed authorities and channel.
- Action d’implémentation
- Freeze or immobilize without prior notice, preserve incoming funds as directed, notify the competent authorities and document legal review.
- Preuves à conserver
- Match packet, action timestamp, frozen-assets record, notices, receipts and counsel note.
- Source primaire
- Decree 407-17
False positives must be resolved through controlled evidence and escalation, not arbitrary deletion from screening.
- Action d’implémentation
- Use documented identifiers, independent review and a time-limited allowlist with re-screening on data or list changes.
- Preuves à conserver
- Adjudication, identifiers, reviewer, allowlist controls, expiry and re-screen history.
- Source primaire
- Decree 407-17; UAF sanctions guidance
Sanctions controls must cover customers, beneficial owners, representatives and relevant transaction parties.
- Action d’implémentation
- Map every screened party and field, test aliases and non-Latin names and monitor list-feed and system failures.
- Preuves à conserver
- Coverage map, test cases, alert samples, feed monitoring, incidents and remediation.
- Source primaire
- Law 155-17 arts. 38-40 and 46; Decree 407-17
09Records, audit and regulator responseRecords must reconstruct the relationship, transaction and compliance decision.4 éléments+
CDD, transaction, account, correspondence and analysis records must be kept at least ten years after the occasional transaction or relationship ends.
- Action d’implémentation
- Apply event-based retention, preserve the legal hold and ensure records are intelligible and retrievable throughout the period.
- Preuves à conserver
- Retention schedule, closure event, record inventory, retrieval test, hold log and disposal evidence.
- Source primaire
- Law 155-17 art. 43
Required records must be available to UAF, supervisors and other competent authorities.
- Action d’implémentation
- Authenticate requests, preserve confidentiality and privilege, produce only responsive records and track delivery.
- Preuves à conserver
- Request protocol, production set, privilege review, receipt and remediation tracker.
- Source primaire
- Law 155-17 arts. 56-57; Decree 408-17 arts. 24-25
External audit must assess the design and effectiveness of the AML/CFT program.
- Action d’implémentation
- Set independence and competence criteria, sample end-to-end controls and verify corrective-action closure.
- Preuves à conserver
- Audit scope, independence, workpapers, report, management actions and closure validation.
- Source primaire
- Law 155-17 art. 34; Decree 408-17 art. 23
A filing, alert or investigation hold overrides routine deletion.
- Action d’implémentation
- Connect legal and investigation holds to all customer, vendor and backup repositories and test release authorization.
- Preuves à conserver
- Hold notice, repository map, preservation confirmation, release approval and disposal log.
- Source primaire
- Law 155-17 arts. 43, 55-56
10Privacy, biometrics and transfersAML necessity does not remove privacy, security and transparency duties.4 éléments+
Law 172-13 requires lawful, purpose-limited and proportionate personal-data processing with notice and consent or an applicable legal ground.
- Action d’implémentation
- Map controller and processor roles, purposes, fields, grounds and AML exceptions; give a clear privacy notice and reconcile data-subject requests with retention law.
- Preuves à conserver
- Data inventory, role map, legal-basis register, notice, request procedure and retention reconciliation.
- Source primaire
- Law 172-13 arts. 5, 27 and related principles
Sensitive data requires heightened handling and, absent an exception, express written consent.
- Action d’implémentation
- Classify identity, financial, sanctions and biometric data; document the exact statutory need or consent and minimize access and collection.
- Preuves à conserver
- Data classification, consent or exception record, access matrix, minimization review and audit log.
- Source primaire
- Law 172-13 arts. 75-76
Controllers and processors must maintain appropriate technical and organizational security and confidentiality.
- Action d’implémentation
- Encrypt sensitive identity data, separate duties, monitor access, manage incidents and require equivalent vendor controls.
- Preuves à conserver
- Risk assessment, control set, access reviews, incident log, vendor assessment and remediation.
- Source primaire
- Law 172-13 security and confidentiality provisions
International transfers require a documented lawful route, including consent or a statutory exception as applicable.
- Action d’implémentation
- Map vendor, group and authority transfers, record the route and purpose, contract for safeguards and control onward transfers and deletion.
- Preuves à conserver
- Transfer register, consent or exception, contract, destination review, onward-transfer controls and deletion proof.
- Source primaire
- Law 172-13 art. 80
11Payments, virtual assets and launch evidencePayment authorization, AML status and virtual-asset treatment require separate decisions.4 éléments+
Payment-system operators and electronic-payment entities must meet the applicable Banco Central authorization and operating rules.
- Action d’implémentation
- Classify issuing, acquiring, processing, transfer, wallet and settlement functions and obtain every required approval before launch.
- Preuves à conserver
- Product flow, perimeter opinion, application, authorization, conditions and live-register check.
- Source primaire
- Payment Systems Regulation approved 28 August 2025
The current Payment Systems Regulation excludes products or services based on virtual assets from the electronic-payment-entity permission.
- Action d’implémentation
- Do not treat a payment authorization as approval for a virtual-asset product; obtain a separate written legal and supervisory perimeter decision.
- Preuves à conserver
- Asset and service classification, counsel opinion, regulator correspondence, restrictions and launch gate.
- Source primaire
- Payment Systems Regulation approved 28 August 2025
Virtual assets are not legal tender and are not backed by the Banco Central; regulated institutions cannot assume permission absent an express rule or authorization.
- Action d’implémentation
- Use accurate customer disclosures, prohibit unsupported payment-system use and assess AML, securities, custody, exchange and cross-border facts separately.
- Preuves à conserver
- Legal opinion, product restrictions, customer disclosure, monitoring and approval.
- Source primaire
- Banco Central cryptocurrency statement; Payment Systems Regulation
Launch requires source-backed closure of every applicable control and successful end-to-end dry tests.
- Action d’implémentation
- Test onboarding, KYB, reporting clocks, threshold aggregation, sanctions, retention, privacy and incidents without sending fictional data to regulator systems; close blockers and sign off.
- Preuves à conserver
- Completed checklist, source register, test results, defects and closure, approvals and monitoring owner.
- Source primaire
- Law 155-17 arts. 34-65; Decree 408-17
Registre des sources primaires
20 sources utilisées pour cette checklist
Utilisez ces liens pour vérifier la législation, les lignes directrices, les procédures de déclaration et les statuts internationaux.
- Law 155-17 against money laundering and terrorist financingDirección General de Impuestos Internos · Primary legislation
- Decree 408-17 implementing Law 155-17Superintendencia de Bancos · Primary regulation
- DGII AML/CFT frequently asked questionsDirección General de Impuestos Internos · Official compliance guidance
- DGII beneficial-owner guidanceDirección General de Impuestos Internos · Official filing guidance
- Official notice implementing CONCLAFIT Resolution 2025-01Dirección General de Impuestos Internos · Official current threshold notice
- Law 172-13 on personal dataNational Competitiveness Council · Primary legislation
- Payment Systems Regulation approved 28 August 2025Banco Central de la República Dominicana · Primary regulatory instrument
- Electronic payment entity authorization requirementsBanco Central de la República Dominicana · Official authorization guidance
- Banco Central statement on cryptocurrenciesBanco Central de la República Dominicana · Official perimeter statement
- FATF Dominican Republic country pageFinancial Action Task Force · Official country and assessment page
- Dominican Republic follow-up reportFinancial Action Task Force · Official international assessment
- FATF jurisdictions under increased monitoring, 19 June 2026Financial Action Task Force · Official current-status source
- FATF high-risk jurisdictions subject to a call for action, 19 June 2026Financial Action Task Force · Official current-status source
- United Nations Security Council Consolidated ListUnited Nations Security Council · Official sanctions list
- Monetary and Financial Law 183-02 directoryBanco Central de la República Dominicana · Primary financial framework
- UAF institutional portalUnidad de Análisis Financiero · Official authority and reporting information
- Decree 407-17 targeted-financial-sanctions textLegal Consultancy of the Executive Branch · Primary regulation
- Official explanation of Decree 407-17Legal Consultancy of the Executive Branch · Official implementation summary
- Banking-sector AML/CFT instructive, Circular 003-18Superintendencia de Bancos · Official sector instruction
- DGII register and tax services portalDirección General de Impuestos Internos · Official company and tax source
Réponses directes
Questions KYC, KYB et AML pour République dominicaine
Who receives suspicious transaction reports?+
The Unidad de Análisis Financiero (UAF) is the national FIU. Obliged subjects submit through the current UAF-prescribed channel and format, commonly goAML, while sector supervisors oversee compliance.
When is a suspicious report due?+
Law 155-17 requires reporting within five business days after a completed or attempted transaction is identified as suspicious. Preserve the decision timestamp and current UAF acknowledgement.
What is the cash transaction threshold?+
The general statutory threshold is USD 15,000 equivalent, including transactions aggregated for the same beneficiary within 24 hours. Casinos use USD 3,000. Sector rules can add requirements.
When is the routine cash report filed?+
It is filed in the first ten calendar days of the following month, with a copy retained for ten years.
What beneficial-owner percentage applies?+
Twenty percent is an express ownership limb, but it is not the whole test. Trace natural-person control by other means and use the senior-management fallback only after documenting why no other natural person was identified.
How long are AML records kept?+
At least ten years after an occasional transaction or the end of the business relationship, subject to longer sector or legal-hold requirements.
Can onboarding continue if identity cannot be verified?+
No. The relationship or transaction should not proceed, and the facts must be assessed for a suspicious report without tipping off the person.
Does outsourcing transfer AML responsibility?+
No. The obliged subject remains responsible and must have immediate access to information and documents, effective oversight, audit rights and an exit plan.
Are virtual assets legal tender or automatically covered by a payment license?+
No. The Banco Central says virtual assets are not legal tender or backed by it, and the current payment regulation does not make virtual-asset products part of an electronic-payment-entity authorization. Obtain a service-specific perimeter decision.
Is the Dominican Republic on a FATF public list?+
It was not named on the FATF increased-monitoring or call-for-action lists dated 19 June 2026 and reviewed 1 August 2026. It is a GAFILAT member and its evaluation history still informs risk.
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, an authorization decision or a substitute for the operative Spanish text, sector rules, official report formats or regulator instructions. Reviewed 1 August 2026. Confirm the entity, activity, aggregation, reporting channel, current indexed thresholds, licensing perimeter and later developments with qualified Dominican counsel and the competent authority before launch.