بوليفيا KYC, KYB & AML compliance checklist
قائمة عملية وموثقة بالمصادر لتنفيذ متطلبات KYC وKYB وAML في بوليفيا.
- تاريخ آخر مراجعة
- تاريخ آخر مراجعة:
- الإصدار
- الإصدار 1.1
إجابة مباشرة
ما الذي تغطيه قائمة الامتثال الخاصة بـ بوليفيا؟
تحوّل قائمة بوليفيا 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 Investigaciones Financieras (UIF), a decentralised entity under the Ministry of Economy and Public Finance
- Core framework
- Criminal Code article 185 bis, Law 393, Law 262 and Supreme Decree 4904, plus sector-specific UIF instructions
- Banking-sector rule
- UIF Administrative Resolution 016/2026, amended by Resolution 050/2026
- Suspicious report
- For financial intermediaries, promptly and within 24 hours after classification as suspicious; no minimum amount
- Financial-sector retention
- At least 10 years after the transaction, relationship end or occasional transaction, depending on record type
- Financial-sector beneficial owner
- At least 20% direct or indirect ownership, then control and senior-management fallbacks
- Former PEP period
- The 2026 financial-intermediary instruction retains PEP status for five years after office
- Company registry
- SEPREC administers the Registry of Commerce and a beneficial-owner declaration process
- Financial licensing
- Mass and habitual financial activities require prior ASFI authorisation under Law 393
- Virtual assets
- UIF designated PSAVs as reporting entities in 2025; registration and the live sector instruction must be confirmed
- Privacy
- Constitutional privacy and habeas-data rights, Supreme Decree 1793 article 56 and sector confidentiality rules; no single comprehensive private-sector statute
- FATF status
- Subject to FATF increased monitoring since June 2025; action-plan status reviewed 4 August 2026
تفاصيل التنفيذ
متطلبات وإجراءات الامتثال في بوليفيا
افتح كل مجال لمراجعة المتطلب وإجراء التنفيذ المقترح والأدلة الواجب الاحتفاظ بها والمصدر الأساسي.
01Scope, authorities and licensingBolivia designates reporting entities by law and UIF instruments. Resolve the exact activity, entity and supervisor before treating any sector rule as mandatory.4 عناصر+
Persons designated by law or UIF must apply the applicable AML/CFT/CPF instruction and report suspicious operations to UIF.
- إجراء التنفيذ
- Classify every entity and activity against the current UIF sector directory; register the reporting entity, responsible officer and analysts through the current UIF system before regulated operations.
- الأدلة الواجب الاحتفاظ بها
- Perimeter memo, UIF designation, CARONTE registration, responsible-officer record, instruction inventory and counsel approval.
- المصدر الأساسي
- Law 393 art. 495; Supreme Decree 4904 arts. 10 and 15; UIF Resolution 48/2025
Mass and habitual financial intermediation or reserved financial services require prior ASFI authorisation.
- إجراء التنفيذ
- Separate lending, deposit-taking, payment, exchange, remittance, securities and technology functions; obtain the required constitution and operating authorisations before launch.
- الأدلة الواجب الاحتفاظ بها
- Product analysis, ASFI application and authorisation, licence conditions, public-register extract and launch approval.
- المصدر الأساسي
- Law 393 arts. 6, 19 and 486-490
Financial intermediaries must comply with UIF Resolution 016/2026 as amended, while other sectors use their own current instructions.
- إجراء التنفيذ
- Map each legal entity to the live sector text and effective date; do not copy banking thresholds or deadlines into a non-bank programme.
- الأدلة الواجب الاحتفاظ بها
- Entity-rule matrix, effective-date check, change log and board approval.
- المصدر الأساسي
- UIF Resolution 016/2026; UIF Resolution 050/2026; UIF external-regulations directory
PSAVs are UIF-designated reporting entities and payment services remain subject to the applicable BCB, ASFI and UIF perimeter.
- إجراء التنفيذ
- Classify every virtual-asset and payment function, confirm current UIF registration/instruction and obtain any BCB or ASFI approval before offering it.
- الأدلة الواجب الاحتفاظ بها
- Service taxonomy, legal advice, UIF registration, regulatory correspondence, approvals and launch gate.
- المصدر الأساسي
- UIF Resolution 19/2025; Law 393; BCB payment-services regulation
02Governance and risk assessmentThe 2026 financial-sector instruction requires an institution-wide risk system, accountable governance and independent assurance.4 عناصر+
A financial intermediary must identify, measure, control, monitor and disclose its LGI/FT/FPADM risks.
- إجراء التنفيذ
- Assess customers, products, channels, geography, delivery methods and emerging risks; approve risk appetite and remediation.
- الأدلة الواجب الاحتفاظ بها
- Methodology, risk assessment, data, board minutes, control map and remediation log.
- المصدر الأساسي
- UIF Resolution 016/2026 arts. 21-30
The board or equivalent and senior management must oversee the prevention system and a qualified compliance function.
- إجراء التنفيذ
- Document authority, independence, resources, direct access, appointments, succession and escalation.
- الأدلة الواجب الاحتفاظ بها
- Governance charter, appointments, UIF notices, budget, reporting packs and conflicts register.
- المصدر الأساسي
- UIF Resolution 016/2026 arts. 8-20
Policies, procedures, training and internal and external assurance must be maintained and updated.
- إجراء التنفيذ
- Approve the manual, deliver role-based annual training, test effectiveness and track findings to verified closure.
- الأدلة الواجب الاحتفاظ بها
- Manual, training plan and attendance, tests, audit reports, findings and closure evidence.
- المصدر الأساسي
- UIF Resolution 016/2026 arts. 18-20 and 59-65
Group controls and outsourced processes do not remove the Bolivian entity's responsibility.
- إجراء التنفيذ
- Map group data sharing and vendor roles, preserve confidentiality, test delegated controls and escalate legal conflicts.
- الأدلة الواجب الاحتفاظ بها
- Group standard, contracts, consent or authority analysis, control testing and exception register.
- المصدر الأساسي
- UIF Resolution 016/2026 arts. 43, 50 and 67
03Natural-person identification and failed CDDCDD begins before the relationship and continues through monitoring, using reliable customer and independent information.4 عناصر+
Financial intermediaries must identify and verify customers, users and beneficial owners before the relationship or transaction.
- إجراء التنفيذ
- Capture required identity, address, occupation, income and contact fields; authenticate reliable evidence and bind it to the applicant.
- الأدلة الواجب الاحتفاظ بها
- Application, identity images, source checks, authentication results, timestamps and reviewer decision.
- المصدر الأساسي
- UIF Resolution 016/2026 arts. 32-34
CDD must establish purpose, expected activity and risk and be refreshed on doubt, suspicion and specified occasional activity.
- إجراء التنفيذ
- Record purpose and profile, set risk-based refreshes and trigger reviews for inconsistencies, suspicion and material change.
- الأدلة الواجب الاحتفاظ بها
- Purpose statement, profile, rating, refresh calendar, event alerts and review history.
- المصدر الأساسي
- UIF Resolution 016/2026 arts. 32-33 and 51
Representatives and authorised operators must be identified and their authority verified.
- إجراء التنفيذ
- KYC the acting person, validate the mandate and scope, and link permissions to the correct customer.
- الأدلة الواجب الاحتفاظ بها
- Representative KYC, power, registry check, permission record and expiry control.
- المصدر الأساسي
- UIF Resolution 016/2026 arts. 34-38
CDD difficulty, refusal, false information or unverifiable funds must trigger escalation and a documented ROS decision.
- إجراء التنفيذ
- Prevent anonymous or fictitious onboarding, restrict the case, avoid tipping off and decide whether to report or exit.
- الأدلة الواجب الاحتفاظ بها
- System block, missing-information log, escalation, decision, exit approval and ROS receipt where filed.
- المصدر الأساسي
- UIF Resolution 016/2026 arts. 56-58
04KYB, registries and beneficial ownershipKYB must reconcile legal existence, authority, ownership, control, the AML test and the separate SEPREC declaration.4 عناصر+
A legal-person customer must be identified through reliable formation, registration, tax, governance and representative evidence.
- إجراء التنفيذ
- Obtain current SEPREC or competent-register evidence, constitution, NIT, addresses, activity, directors and powers before activation.
- الأدلة الواجب الاحتفاظ بها
- Registry certificate, formation documents, NIT, governance list, powers, reconciliation and approval.
- المصدر الأساسي
- UIF Resolution 016/2026 arts. 35-38; Commercial Code
For financial intermediaries, natural persons with at least 20% direct or indirect ownership must be identified and reasonably verified.
- إجراء التنفيذ
- Trace every tier, calculate holdings and collect the instruction's minimum beneficial-owner data.
- الأدلة الواجب الاحتفاظ بها
- Ownership chart, cap tables, calculations, source records, declarations and verification.
- المصدر الأساسي
- UIF Resolution 016/2026 art. 39(I)-(III)
If ownership does not identify a beneficial owner, financial intermediaries must identify natural-person control and then the relevant senior manager after reasonable measures.
- إجراء التنفيذ
- Test voting, contractual and other control; record exhausted measures before using the senior-manager fallback.
- الأدلة الواجب الاحتفاظ بها
- Control analysis, information requests, verification attempts, fallback rationale and approval.
- المصدر الأساسي
- UIF Resolution 016/2026 art. 39(IV)-(VI)
Commercial entities must maintain their SEPREC registration and provide beneficial-owner declarations through the current registry process.
- إجراء التنفيذ
- Complete the applicable incorporation, renewal and change filings; reconcile SEPREC declarations with AML files and investigate discrepancies.
- الأدلة الواجب الاحتفاظ بها
- Commercial registration, renewal, beneficial-owner declaration, receipts, discrepancy log and remediation.
- المصدر الأساسي
- Commercial Code art. 30; Supreme Decree 4596; SEPREC Resolution 494/2024 and current guidance
05PEPs, enhanced diligence and remote onboardingPEP controls are risk-sensitive, with mandatory intensified measures for foreign PEPs under the financial-sector instruction.4 عناصر+
Financial intermediaries must determine whether customers and beneficial owners are PEPs using reliable information.
- إجراء التنفيذ
- Screen at onboarding and at least semi-annually, capture family and close-associate relationships and retain the basis.
- الأدلة الواجب الاحتفاظ بها
- Declaration, screening, public-source evidence, relationship analysis, semi-annual review and alerts.
- المصدر الأساسي
- UIF Resolution 016/2026 art. 54
Foreign PEPs are high risk; high-risk domestic or international-organisation PEPs require intensified measures.
- إجراء التنفيذ
- Obtain senior-management approval, establish source of wealth and funds and apply intensified monitoring.
- الأدلة الواجب الاحتفاظ بها
- Approval, source pack, purpose, monitoring plan, reviews and escalation.
- المصدر الأساسي
- UIF Resolution 016/2026 art. 54(II)-(IV)
The financial-sector instruction applies PEP measures to specified family and close associates and retains former-PEP status for five years.
- إجراء التنفيذ
- Encode the defined relationship scope and five-year rule, then remove status only on reliable evidence that it no longer applies.
- الأدلة الواجب الاحتفاظ بها
- Relationship map, role dates, rule configuration, review evidence and removal approval.
- المصدر الأساسي
- UIF Resolution 016/2026 art. 54(V)-(VI)
Remote onboarding must achieve reliable identification and verification and manage impersonation, fraud and privacy risk.
- إجراء التنفيذ
- Authenticate documents and person, test liveness where proportionate, secure the flow and provide a manual fallback.
- الأدلة الواجب الاحتفاظ بها
- Remote-flow design, vendor diligence, attack testing, consent or authority record and manual review.
- المصدر الأساسي
- UIF Resolution 016/2026 arts. 32-34; Supreme Decree 1793 art. 56
06Monitoring and suspicious reportingSuspicion is reported regardless of amount. Sector timing must be taken from the controlling instruction.4 عناصر+
Financial intermediaries must continuously monitor transactions against customer knowledge, activity, risk and source of funds where needed.
- إجراء التنفيذ
- Design risk-based scenarios, reconcile complete data, investigate alerts promptly and tune on observed risk.
- الأدلة الواجب الاحتفاظ بها
- Scenario inventory, data lineage, alert cases, tuning, validation and governance.
- المصدر الأساسي
- UIF Resolution 016/2026 arts. 28, 33 and 56
A suspicious attempted or completed operation must be reported to UIF without a minimum amount.
- إجراء التنفيذ
- Document reasonable grounds, preserve supporting material and file through the current UIF system.
- الأدلة الواجب الاحتفاظ بها
- Case analysis, decision, electronic ROS, attachments, timestamp and acknowledgement.
- المصدر الأساسي
- UIF Resolution 016/2026 arts. 57-58
For financial intermediaries, the ROS must be sent promptly and within 24 hours after classification as suspicious.
- إجراء التنفيذ
- Timestamp classification, use a deadline control and escalate any portal or evidence issue before expiry.
- الأدلة الواجب الاحتفاظ بها
- Decision timestamp, 24-hour timer, submission receipt, outage evidence and escalation.
- المصدر الأساسي
- UIF Resolution 016/2026 art. 57(I)
ROS information and supporting material are confidential and must not be disclosed to customers, shareholders or third parties.
- إجراء التنفيذ
- Restrict access, separate customer communications from reporting, and train personnel against tipping off.
- الأدلة الواجب الاحتفاظ بها
- Access list, confidentiality acknowledgements, communications review, training and incident log.
- المصدر الأساسي
- UIF Resolution 016/2026 art. 67; Supreme Decree 4904 art. 11
07Payments, wires, thresholds and agentsPayment, wire and threshold controls are product- and sector-specific; there is no universal transaction-report threshold in this report.4 عناصر+
Electronic transfers must carry and retain the information required by the 2026 financial-sector instruction and applicable payment rules.
- إجراء التنفيذ
- Map ordering and beneficiary fields, reject or investigate deficient transfers and preserve end-to-end data.
- الأدلة الواجب الاحتفاظ بها
- Message schema, validation rules, exception cases, repair history and retention test.
- المصدر الأساسي
- UIF Resolution 016/2026 arts. 45-49; BCB payment-services regulation
BCB regulates payment services, electronic instruments, clearing and settlement, while ASFI authorises covered financial providers.
- إجراء التنفيذ
- Classify wallet, acquiring, switching, remittance and payment functions and obtain each required approval or no-objection.
- الأدلة الواجب الاحتفاظ بها
- Perimeter memo, BCB/ASFI correspondence, authorisation, technical certification and change approvals.
- المصدر الأساسي
- Law 393; BCB Resolution 079/2022 and current amendments
Any cash, occasional-transaction or systematic report threshold must be taken from the current sector instruction and parameterised with its exact aggregation rule.
- إجراء التنفيذ
- Maintain a source-linked parameter register; do not treat a banking threshold as universal.
- الأدلة الواجب الاحتفاظ بها
- Threshold register, source snapshot, aggregation tests, change tickets and report receipts.
- المصدر الأساسي
- Supreme Decree 4904 art. 10(q); UIF Resolution 016/2026 arts. 26 and 52-53 as amended
Agents and service providers must operate within the principal's authorisation and tested AML, sanctions, privacy and security controls.
- إجراء التنفيذ
- Define responsibilities and data flows in contract, train agents and test onboarding, monitoring and escalation end to end.
- الأدلة الواجب الاحتفاظ بها
- Contract, agent register, training, sample tests, incidents and remediation.
- المصدر الأساسي
- Law 393; UIF Resolution 016/2026 arts. 41-43
08Targeted financial sanctionsBolivia uses Law 262, judicial involvement and UIF instructions for UN terrorism designations; proliferation procedures must be checked against the current UIF instrument.4 عناصر+
Reporting entities must screen current UN Security Council designations and monitor updates permanently.
- إجراء التنفيذ
- Synchronise authoritative lists, screen customers, beneficial owners, users and providers, and investigate identity and ownership.
- الأدلة الواجب الاحتفاظ بها
- List source and version, screening logs, match analysis, ownership test and disposition.
- المصدر الأساسي
- Law 262 arts. 1-3; UIF RCSNU Instruction 26/2023 arts. 5-7
A confirmed terrorism-list positive must be frozen preventively under the UIF procedure and communicated without delay.
- إجراء التنفيذ
- Block funds and other assets without warning, send the prescribed freeze report and preserve the UIF/judicial chronology.
- الأدلة الواجب الاحتفاظ بها
- Match, freeze timestamp, FC-01, UIF communication, judicial notice and account controls.
- المصدر الأساسي
- Law 262; UIF RCSNU Instruction 26/2023 art. 6
After a preventive freeze under the 2023 instruction, the reporting entity must file a ROS within one business day.
- إجراء التنفيذ
- Link the freeze and ROS cases, control the one-business-day deadline and retain acknowledgements.
- الأدلة الواجب الاحتفاظ بها
- Freeze record, ROS decision, timer, submission and receipt.
- المصدر الأساسي
- UIF RCSNU Instruction 26/2023 art. 6(III)
Proliferation-financing list and freezing measures require the live UIF procedure; older terrorism-only wording is not sufficient.
- إجراء التنفيذ
- Confirm the current FPADM instrument and list scope with UIF before launch and test release, false-positive and humanitarian-exemption handling.
- الأدلة الواجب الاحتفاظ بها
- Current-rule confirmation, procedures, test cases, legal advice and regulator correspondence.
- المصدر الأساسي
- Supreme Decree 4904 arts. 10 and 15; current UIF sector instruction; controlled uncertainty
09Records and regulator accessRecords must reconstruct decisions and be retrievable for UIF and competent supervisors.4 عناصر+
Financial intermediaries must retain transaction, transfer and payment records for at least ten years after the transaction.
- إجراء التنفيذ
- Apply the ten-year clock to complete transaction data, documents and payment messages and test legal holds.
- الأدلة الواجب الاحتفاظ بها
- Retention schedule, record samples, clock logic, deletion tests and legal holds.
- المصدر الأساسي
- UIF Resolution 016/2026 art. 66(I)(a)
Financial intermediaries must retain CDD, account, correspondence and analysis records for at least ten years after relationship end or the occasional transaction.
- إجراء التنفيذ
- Trigger retention from the correct event and preserve identity, ownership, risk and analysis history.
- الأدلة الواجب الاحتفاظ بها
- Customer-close record, retention trigger, archive sample, access log and deletion approval.
- المصدر الأساسي
- UIF Resolution 016/2026 art. 66(I)(b)
Records must be sufficient to reconstruct operations and provide evidence in proceedings.
- إجراء التنفيذ
- Preserve source, timestamps, versions, reviewers, decisions and linked reports in a searchable audit trail.
- الأدلة الواجب الاحتفاظ بها
- Reconstruction test, source hashes, case export, chain of custody and remediation.
- المصدر الأساسي
- UIF Resolution 016/2026 art. 66(II)
UIF and competent supervisors may require confidential information in the form and deadline they specify.
- إجراء التنفيذ
- Maintain a controlled request process, verify authority, preserve confidentiality and evidence complete timely production.
- الأدلة الواجب الاحتفاظ بها
- Request, authority check, collection log, approval, production and acknowledgement.
- المصدر الأساسي
- Law 393 arts. 495-497; Supreme Decree 4904 arts. 10-12
10Privacy, biometrics and transfersBolivia has constitutional, electronic-communications and sector protections but no single comprehensive private-sector data-protection law equivalent to the GDPR.4 عناصر+
Personal-data use must respect constitutional privacy, intimacy, honour, image and habeas-data rights.
- إجراء التنفيذ
- Map each KYC field to necessity and authority, inform the person, restrict reuse and provide correction and challenge routes.
- الأدلة الواجب الاحتفاظ بها
- Data inventory, authority matrix, notice, rights workflow, decisions and complaints.
- المصدر الأساسي
- Political Constitution arts. 21 and 130-131; Supreme Decree 1793 art. 56
Supreme Decree 1793 requires prior knowledge and express consent for technical processing, subject to legal-authority exceptions, and purpose information.
- إجراء التنفيذ
- Record the applicable consent or legal duty, specified purpose, recipients and controller details; avoid unrelated secondary use.
- الأدلة الواجب الاحتفاظ بها
- Notice, consent or exception analysis, purpose register, recipient map and audit log.
- المصدر الأساسي
- Supreme Decree 1793 art. 56
Financial consumers have confidentiality rights subject to legal exceptions, including UIF reporting duties.
- إجراء التنفيذ
- Restrict access, encrypt sensitive records, disclose only under verified authority and log every access and transmission.
- الأدلة الواجب الاحتفاظ بها
- Access model, encryption, disclosure register, authority evidence, monitoring and incident response.
- المصدر الأساسي
- Law 393 arts. 74 and 472-475
Biometrics and cross-border processing require a documented, conservative legal analysis because Bolivia lacks a comprehensive transfer/biometric code.
- إجراء التنفيذ
- Assess necessity, consent and proportionality; protect templates, map destinations and obtain local advice before transfer or automated use.
- الأدلة الواجب الاحتفاظ بها
- Impact assessment, biometric design, consent, vendor contract, transfer map, security tests and counsel opinion.
- المصدر الأساسي
- Political Constitution arts. 21 and 130-131; Supreme Decree 1793 art. 56; controlled uncertainty
11Practical evidence packsA defensible programme must reproduce what the operator knew, why a rule applied and when each action occurred.4 عناصر+
Every onboarding decision should be reconstructable from authoritative evidence.
- إجراء التنفيذ
- Bundle identity, KYB, ownership, authority, screening, purpose, risk, approvals and exceptions under a stable identifier.
- الأدلة الواجب الاحتفاظ بها
- Timestamped onboarding pack with source URLs, hashes, reviewer and final decision.
- المصدر الأساسي
- Implementation control supporting UIF Resolution 016/2026 arts. 32-39 and 66
Every monitoring and reporting decision should preserve the complete chronology.
- إجراء التنفيذ
- Capture rule version, inputs, analysis, requests, classification, deadline and ROS or dismissal outcome.
- الأدلة الواجب الاحتفاظ بها
- Alert case, linked activity, notes, classification time, receipt and quality review.
- المصدر الأساسي
- Implementation control supporting UIF Resolution 016/2026 arts. 56-58
Legal parameters must remain linked to the operative sector text and effective date.
- إجراء التنفيذ
- Maintain a controlled register for thresholds, aggregation, PEP periods, retention, sanctions and reporting deadlines.
- الأدلة الواجب الاحتفاظ بها
- Parameter register, source snapshot, effective date, change approval, tests and deployment record.
- المصدر الأساسي
- Implementation control; current UIF sector instruction
Launch approval must resolve licensing, AML, sanctions, registry, privacy, outsourcing and evidence readiness together.
- إجراء التنفيذ
- Use a cross-functional go-live gate and block release for unresolved perimeter, source or reporting defects.
- الأدلة الواجب الاحتفاظ بها
- Signed checklist, legal opinions, registrations, control tests, residual-risk acceptance and rollback plan.
- المصدر الأساسي
- Implementation control; Law 393; Supreme Decree 4904
سجل المصادر الأساسية
19 مصدرًا مستخدمًا في هذه القائمة
استخدم هذه الروابط للتحقق من التشريعات وإرشادات الجهات الرقابية وإجراءات الإبلاغ والبيانات الدولية.
- UIF external regulations directoryUnidad de Investigaciones Financieras · Official regulator directory
- UIF Resolution 016/2026 - financial-intermediary instructionUnidad de Investigaciones Financieras · Primary regulation
- UIF Resolution 050/2026 - amendments to articles 52 and 53Unidad de Investigaciones Financieras · Primary regulation
- Supreme Decree 4904 - UIF regulationUnidad de Investigaciones Financieras · Official legislation directory
- Law 393 - Financial Services Law, ordered textAutoridad de Supervision del Sistema Financiero · Primary legislation
- UIF national legislation directoryUnidad de Investigaciones Financieras · Official legislation directory
- Law 262 - preventive freezing regimeUnidad de Investigaciones Financieras · Official legislation directory
- UIF UN Security Council freezing guidanceUnidad de Investigaciones Financieras · Official regulator guidance
- UIF frequently asked questionsUnidad de Investigaciones Financieras · Official regulator guidance
- SEPREC Registry of CommerceServicio Plurinacional de Registro de Comercio · Official registry guidance
- SEPREC operational changes and beneficial-owner declarationServicio Plurinacional de Registro de Comercio · Official registry procedure
- SEPREC internal regulations directoryServicio Plurinacional de Registro de Comercio · Official registry directory
- Supreme Decree 1793 - personal-data provisionsAGETIC · Official national-rules directory
- ASFI financial-consumer rightsAutoridad de Supervision del Sistema Financiero · Official regulator guidance
- BCB payment regulations directoryBanco Central de Bolivia · Official regulator directory
- UIF PSAV services and registrationUnidad de Investigaciones Financieras · Official regulator service
- Bolivia country pageFinancial Action Task Force · Authoritative international assessment
- FATF jurisdictions under increased monitoringFinancial Action Task Force · Authoritative current status
- Bolivia first enhanced-follow-up reportGAFILAT · Authoritative regional assessment
إجابات مباشرة
أسئلة KYC وKYB وAML في بوليفيا
Who receives suspicious operation reports in Bolivia?+
Designated reporting entities file directly with the Unidad de Investigaciones Financieras (UIF) through its current secure system and under the applicable sector instruction.
What is the suspicious-reporting deadline?+
For financial intermediaries under Resolution 016/2026, a suspicious attempted or completed operation is reported promptly and within 24 hours after it is classified as suspicious. Other sectors must use their own current UIF instruction.
Is there one universal threshold report?+
No universal threshold is stated in this report. UIF may require reports with or without thresholds, and each entity must implement the current sector-specific amount, aggregation period and report type.
Who is a beneficial owner for financial-sector CDD?+
The 2026 financial-intermediary instruction identifies natural persons with at least 20% direct or indirect participation, then persons exercising control, and finally a relevant senior manager after documented reasonable measures.
Does Bolivia have a beneficial-owner register?+
SEPREC operates a beneficial-owner declaration process within the Registry of Commerce. Access, filing events and the current form must be confirmed through the live SEPREC procedure; registry information does not replace AML verification.
How long are financial-sector AML records retained?+
Resolution 016/2026 requires at least ten years for transactions after completion and for CDD/account/analysis records after relationship end or the occasional transaction, depending on record type.
Do payment and virtual-asset businesses require approval or registration?+
Potentially. Financial and payment activities may require ASFI or BCB approval. UIF designated PSAVs as reporting entities and provides registration services; the exact live perimeter and sector instruction must be confirmed before launch.
What happens on a UN terrorism-list match?+
Under Law 262 and UIF Instruction 26/2023, the entity follows the preventive-freezing procedure, reports the positive without delay and files the linked ROS within one business day. Judicial review and UIF communications must be preserved.
What privacy law applies to KYC and biometrics?+
Constitutional privacy and habeas-data rights, Supreme Decree 1793 article 56 and sector confidentiality rules apply. Bolivia does not have one comprehensive private-sector data law, so biometric and international-transfer designs require conservative analysis and local advice.
Is Bolivia on the FATF grey list?+
Yes. FATF placed Bolivia under increased monitoring in June 2025. This is not the call-for-action list, and FATF states that risk-based measures should be used rather than blanket de-risking.
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 instruction, CARONTE procedures or regulator guidance. Reviewed 4 August 2026. The detailed 20% beneficial-owner test, 24-hour post-classification ROS deadline, five-year former-PEP period and ten-year retention rules cited here are from the 2026 financial-intermediary instruction and must not be applied to another sector without checking its current UIF instruction. Confirm perimeter, registration, reporting channel, thresholds, data-processing basis and later FATF/UIF developments with qualified Bolivian counsel and the competent authority before launch.