قائمة امتثال KYC وKYB وAML
الكاميرون KYC, KYB & AML
An implementation-focused checklist for fintechs, payment institutions, financial institutions and other regulated businesses operating in Cameroon. It maps the current 2024 CEMAC AML/CFT/CPF and targeted-financial-sanctions frameworks, ANIF reporting, COBAC and BEAC payment rules, Cameroon company, tax and beneficial-ownership requirements, and Law No. 2024/017 on personal data protection into controls, actions and audit evidence.
- تاريخ المراجعة
- 15 July 2026
- الإصدار
- 1.1
- مجالات رقابية
- 11
- فحوص تنفيذ
- 44
إجابة مباشرة
ما الذي تغطيه قائمة الامتثال الخاصة بـ الكاميرون؟
تحوّل قائمة الكاميرون قواعد KYC وKYB وAML الأساسية إلى 11 مجالات رقابية و44 فحوص تنفيذ، وتشمل الجهات المختصة وواجبات الإبلاغ والأدلة الواجب الاحتفاظ بها.
حقائق تنظيمية أساسية
- Primary AML rule
- CEMAC Regulation No. 02/24
- FIU
- ANIF Cameroon
- Banking supervisor
- COBAC
- Payments authority
- BEAC / COBAC
- Core record period
- 10 years
- FATF status
- Under increased monitoring
تفاصيل التنفيذ
متطلبات وإجراءات الامتثال في الكاميرون
افتح كل مجال لمراجعة المتطلب وإجراء التنفيذ المقترح والأدلة الواجب الاحتفاظ بها والمصدر الأساسي.
01Confirm scope, authorities and permissionsMap every Cameroon-facing activity to its reporting-person status, sector supervisor and licensing perimeter before customer onboarding or launch.4 عناصر+
Determine whether the business is a CEMAC reporting person.
- إجراء التنفيذ
- Map each entity, product, distribution channel and agent to the financial-institution and designated non-financial business or profession categories in the current CEMAC AML/CFT/CPF Regulation; identify ANIF and the competent supervisor. Treat the repealed 2016 Regulation as historical only.
- الأدلة الواجب الاحتفاظ بها
- Approved regulatory-perimeter memo; entity-product matrix; accountable-owner register.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, scope and Article 184; ANIF Cameroon
Obtain authorisation before providing regulated payment services.
- إجراء التنفيذ
- Classify account, transfer, acquiring, card, electronic-money and other payment activities under Regulation No. 04/18. The competent Monetary Authority grants a payment-service provider's initial approval after COBAC's conforming opinion. A service outside an existing approval requires COBAC's prior authorisation; a new technical solution requires prior notification to COBAC and its non-objection.
- الأدلة الواجب الاحتفاظ بها
- Licence or approval; service-to-permission mapping; launch-gate approval.
- المصدر الأساسي
- Regulation No. 04/18/CEMAC/UMAC/COBAC, Articles 23 and 29
Verify the exact licensed entity and any material change approval.
- إجراء التنفيذ
- Confirm the legal entity, authorisation scope, management and ownership conditions against the current COBAC framework. Escalate restructuring, control change, outsourcing or material new activity for regulatory assessment before implementation.
- الأدلة الواجب الاحتفاظ بها
- COBAC authorisation file; change-control assessment; regulator correspondence.
- المصدر الأساسي
- COBAC R-2019/01 on licensing and changes affecting payment-service providers; BEAC payment-services regulations
Assign named owners for ANIF, COBAC, BEAC and privacy duties.
- إجراء التنفيذ
- Maintain a responsibility matrix for AML governance, suspicious transaction reporting, sanctions, payment controls, customer complaints, tax and registry checks, privacy compliance and regulator communications.
- الأدلة الواجب الاحتفاظ بها
- RACI; appointment letters; regulatory calendar; management reporting.
- المصدر الأساسي
- CEMAC Regulation No. 02/24; Regulation No. 04/18; Law No. 2024/017
02Build the AML/CFT/CPF control frameworkThe programme should be risk-based, documented and embedded across governance, people, systems and independent assurance.4 عناصر+
Maintain an enterprise-wide financial-crime risk assessment.
- إجراء التنفيذ
- Assess customer, product, service, delivery-channel, geography, transaction, agent, new-technology and proliferation-financing risks; record methodology, risk appetite, mitigants and refresh triggers.
- الأدلة الواجب الاحتفاظ بها
- Board-approved risk assessment; methodology; risk register; version history.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, risk-based internal-control requirements; GABAC Cameroon enhanced follow-up report
Adopt written internal policies and procedures.
- إجراء التنفيذ
- Cover CDD, beneficial ownership, PEPs, sanctions, monitoring, reporting, recordkeeping, outsourcing, agents, data protection, escalation and testing. Approve them at the appropriate management level and keep local procedures accessible to staff.
- الأدلة الواجب الاحتفاظ بها
- Policy suite; approval minutes; control library; annual-review record.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, internal-organisation and vigilance provisions
Appoint and empower the AML control function.
- إجراء التنفيذ
- Give the responsible compliance function direct access to senior management, adequate resources, confidentiality controls and authority to stop or escalate high-risk activity.
- الأدلة الواجب الاحتفاظ بها
- Appointment decision; job description; budget; escalation log; committee terms.
- المصدر الأساسي
- CEMAC Regulation No. 02/24; GABAC Mutual Evaluation Report of Cameroon 2022
Train personnel and test controls continuously.
- إجراء التنفيذ
- Train the board, operations, investigators, product, engineering, sales and agents on their roles, red flags, STR confidentiality and sanctions escalation; independently test control design and operation.
- الأدلة الواجب الاحتفاظ بها
- Training curriculum; attendance; assessment results; monitoring plan; audit reports and remediation log.
- المصدر الأساسي
- CEMAC Regulation No. 02/24; ANIF Cameroon, declaration guide
03Identify and verify customersCDD should establish the customer, any representative, the purpose of the relationship and the beneficial owner before the relationship or covered transaction proceeds, subject only to legally permitted exceptions.4 عناصر+
Identify and verify the customer using reliable evidence.
- إجراء التنفيذ
- Identify and verify habitual and occasional customers, their representatives and beneficial owners before the relevant transaction using reliable and independent evidence. The current Regulation does not establish a general monetary exemption for occasional-customer identification.
- الأدلة الواجب الاحتفاظ بها
- CDD file; document images or source results; verification provenance; exception log.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, Articles 18 and 29
Verify persons acting on the customer's behalf.
- إجراء التنفيذ
- Identify the representative, verify authority and mandate, link the representative to the customer, and apply applicable screening and ongoing-monitoring controls to both.
- الأدلة الواجب الاحتفاظ بها
- Power of attorney or mandate; representative ID; authority verification; screening record.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, customer-vigilance provisions
Understand the relationship's purpose and expected activity.
- إجراء التنفيذ
- Capture expected products, volumes, counterparties, geographies, business rationale and source-of-funds information sufficient to set a defensible risk rating and monitoring profile.
- الأدلة الواجب الاحتفاظ بها
- Customer profile; expected-activity baseline; risk score and rationale.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, ongoing-vigilance provisions
Refuse or exit where required CDD cannot be completed.
- إجراء التنفيذ
- Where mandatory CDD cannot be completed, do not open the account or execute the occasional transaction, or terminate the relationship, and file an STR with ANIF. Restrict the report and related assessment to authorised personnel.
- الأدلة الواجب الاحتفاظ بها
- Decline or exit decision; investigation file; restricted STR case record.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, Article 37
04Verify businesses, registries and beneficial ownersKYB should establish legal existence, authority, activity, tax identity, ownership and natural-person control, and reconcile that information against reliable records.4 عناصر+
Verify legal existence, registration and tax identity.
- إجراء التنفيذ
- Obtain current RCCM and constitutional records, registered and operating address, directors, activity, relevant sector permissions and the Cameroon unique tax identifier (NIU). Verify status through appropriate official sources where available.
- الأدلة الواجب الاحتفاظ بها
- RCCM extract; statutes; address proof; NIU verification; sector-licence file.
- المصدر الأساسي
- OHADA Uniform Act on General Commercial Law; Cameroon DGI taxpayer-registration guidance
Understand ownership and control through every layer.
- إجراء التنفيذ
- Map shareholders, members, directors, intermediate entities, voting rights, contractual control and nominees to the natural persons who ultimately own or control the customer. Record the source and date of every conclusion.
- الأدلة الواجب الاحتفاظ بها
- Ownership chart; shareholder and director records; control analysis; source documents.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, beneficial-owner requirements; OHADA Uniform Act on Commercial Companies and EIGs
Apply a documented beneficial-owner cascade.
- إجراء التنفيذ
- For entities within scope, identify every natural person who directly or indirectly, alone or jointly, ultimately owns at least 20% of shares or voting rights. Also identify persons exercising control by other means and, if no such person is identified without doubt, the relevant senior manager. Document the calculation, control analysis and evidence.
- الأدلة الواجب الاحتفاظ بها
- 20% ownership calculation; ownership chart; control analysis; senior-manager fallback rationale; verified BO files.
- المصدر الأساسي
- Cameroon tax procedures framework, Article M8d; Decree No. 2023/06801/CAB/PM; Order No. 00000761/A/MINFI/DGI; CEMAC Regulation No. 02/24
Keep company and ownership information accurate.
- إجراء التنفيذ
- Maintain accurate physical and electronic internal beneficial-owner registers, appoint a responsible person, and update within 30 days of a change or awareness of one. File BO information in the DGI central register upon tax registration and at the applicable annual DSF deadline; legal arrangements file within 30 days of formation and supplementary declarations within 45 days of a reportable change. Keep the register throughout the entity's existence and supporting documents at least five years after BO status ends; after dissolution, retain both in Cameroon for at least five years.
- الأدلة الواجب الاحتفاظ بها
- Internal BO register; responsible-person appointment; DGI filing receipts; change log; retention schedule; discrepancy remediation.
- المصدر الأساسي
- Cameroon tax procedures framework, Article M8d; Decree No. 2023/06801/CAB/PM; Order No. 00000761/A/MINFI/DGI
05Apply PEP, higher-risk and remote due diligenceHigher-risk relationships need corroborated evidence, appropriate senior approval and more frequent ongoing monitoring. Lower-risk treatment must be justified and must never override a suspicion or a mandatory enhanced measure.4 عناصر+
Identify PEPs and relevant connected persons.
- إجراء التنفيذ
- Screen customers, beneficial owners, controllers and authorised representatives for domestic, foreign and international-organisation PEP exposure, and assess family-member and close-associate relationships where relevant.
- الأدلة الواجب الاحتفاظ بها
- PEP screening record; relationship analysis; match disposition; refresh log.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, politically exposed person provisions
Apply enhanced measures to PEP relationships.
- إجراء التنفيذ
- Obtain the required senior-management approval, establish source of wealth and source of funds using corroborated evidence, and apply enhanced ongoing monitoring. Continue risk-based treatment after a person leaves public office.
- الأدلة الواجب الاحتفاظ بها
- Source-of-wealth analysis; source-of-funds records; approval; enhanced-monitoring plan.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, politically exposed person provisions
Control non-face-to-face and impersonation risk.
- إجراء التنفيذ
- Use layered document, biometric or equivalent verification, liveness and fraud controls where proportionate, device and behavioural signals, channel limits and manual escalation for exceptions.
- الأدلة الواجب الاحتفاظ بها
- Remote-onboarding standard; vendor due diligence; configuration record; exception cases.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, higher-risk and customer-vigilance provisions; Law No. 2024/017
Assess high-risk countries, products and structures.
- إجراء التنفيذ
- Maintain a risk-based country and product framework that incorporates FATF public statements, UN sanctions and internal risk evidence; apply enhanced review to opaque structures, unusually complex arrangements and elevated-risk transactions.
- الأدلة الواجب الاحتفاظ بها
- Country-risk methodology; high-risk case reviews; approval record; monitoring rules.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, enhanced-vigilance provisions; FATF increased monitoring statement, 19 June 2026
06Monitor activity and report suspicion to ANIFMonitoring must compare actual activity with what is known about the customer and promptly escalate a suspicion to ANIF. A threshold is not a safe harbour from suspicion reporting.4 عناصر+
Maintain ongoing monitoring and current customer profiles.
- إجراء التنفيذ
- Refresh CDD on risk-based cycles and on events such as ownership changes, document expiry, material product change, adverse information, unusual activity or a discrepancy in supplied data.
- الأدلة الواجب الاحتفاظ بها
- Refresh rules; event triggers; completed reviews; overdue dashboard.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, ongoing-vigilance provisions
Examine unusual, complex or apparently purposeless activity.
- إجراء التنفيذ
- Investigate size, frequency, velocity, counterparties, geography, channels, source of funds and consistency with the stated purpose. Preserve the analysis and decision, including cases that do not result in a filing.
- الأدلة الواجب الاحتفاظ بها
- Alert file; supporting data; investigation narrative; reviewer sign-off.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, transaction-monitoring and examination provisions
File a suspicious transaction report without delay.
- إجراء التنفيذ
- Report suspicious and attempted transactions to ANIF forthwith. A report initially made by telephone or electronic means must be confirmed in writing within 48 hours. Send requested supplementary information through the controlled ANIF channel and never use an internal threshold to delay reporting.
- الأدلة الواجب الاحتفاظ بها
- STR decision record; ANIF filing receipt; supplemental-information log; restricted case file.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, Articles 105 and 109
Prevent tipping off and preserve report confidentiality.
- إجراء التنفيذ
- Limit access to an STR, ANIF inquiry or related investigation to authorised personnel. Do not tell the customer or unauthorised third parties that a report was made or that ANIF is investigating.
- الأدلة الواجب الاحتفاظ بها
- Need-to-know access controls; case permissions; confidentiality training; audit log.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, confidentiality provisions; ANIF Cameroon, declaration guide
07Control payments, transfers, agents and cash riskPayment controls should preserve the transaction trail, identify linked activity and manage the obligations of agents and outsourced providers without breaking the regulated-provider perimeter.4 عناصر+
Preserve originator, beneficiary and transaction information.
- إجراء التنفيذ
- Preserve required originator, beneficiary and transaction information across domestic, cross-border and intermediary flows. Obtain missing wire-transfer information within three days; otherwise do not execute the transfer and systematically inform ANIF.
- الأدلة الواجب الاحتفاظ بها
- Payment-data dictionary; message samples; exception rules; quality-assurance results.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, Article 64; Regulation No. 04/18
Detect linked transactions and structuring.
- إجراء التنفيذ
- Aggregate related activity across accounts, wallets, devices, agents and counterparties. Separately report cash transactions of CFA 5,000,000 or more, whether single or apparently linked, subject to statutory exceptions. Apply special monitoring to cash or bearer-instrument transactions of CFA 50,000,000 or more and to all unusually complex, unjustified or apparently purposeless transactions.
- الأدلة الواجب الاحتفاظ بها
- Aggregation logic; CFA 5,000,000 report controls; CFA 50,000,000 special-monitoring rules; scenario tests; filings and investigated cases.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, Articles 34 and 41
Conduct due diligence and oversight of agents and partners.
- إجراء التنفيذ
- Assess the agent or outsourced provider's licensing, ownership, AML controls, cybersecurity, data handling and operational resilience. Contract for audit, training, incident, data-access and termination rights, and monitor performance.
- الأدلة الواجب الاحتفاظ بها
- Partner due-diligence file; contract clauses; agent training; monitoring dashboard; audit reports.
- المصدر الأساسي
- Regulation No. 04/18; COBAC R-2019/02; Law No. 2024/017
Reconstruct the full payment trail on request.
- إجراء التنفيذ
- Retain transaction identifiers, timestamps, amounts, currencies, channels, wallet or account references, parties, screening results, alerts and disposition history in an exportable format.
- الأدلة الواجب الاحتفاظ بها
- Sample reconstruction; data-lineage map; access procedure; retention configuration.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, recordkeeping provisions; BEAC payment-services report 2024
08Implement targeted financial sanctionsApply the current CEMAC targeted-financial-sanctions framework immediately and without prior notice, with operational controls for freezing, reporting, attempted transactions and continuing quarterly updates.4 عناصر+
Screen applicable UN, regional and national designations
- إجراء التنفيذ
- Applicable UN designations take immediate effect without further domestic action. Screen customers, beneficial owners, controllers, authorised representatives and relevant transactions at onboarding, on list updates, at material changes and before relevant payments; include aliases, transliteration and ownership-or-control analysis.
- الأدلة الواجب الاحتفاظ بها
- List inventory; update logs; screening configuration; ownership-control analysis; match files.
- المصدر الأساسي
- CEMAC Regulation No. 04/24/CEMAC/UMAC/CM; UN Security Council Consolidated List
Freeze covered property without delay or prior notice
- إجراء التنفيذ
- Freeze covered funds, property and economic resources without delay and without prior notice, including assets owned or controlled directly, indirectly or jointly and assets of persons acting on behalf or at the direction of a designated person. Prevent direct or indirect availability and circumvention.
- الأدلة الواجب الاحتفاظ بها
- 24/7 freeze procedure; asset-control map; decision record; blocked-payment evidence; legal escalation.
- المصدر الأساسي
- CEMAC Regulation No. 04/24/CEMAC/UMAC/CM
Report matches and frozen property within the statutory period
- إجراء التنفيذ
- Report frozen assets, measures taken and attempted transactions to the competent authority and the State frozen-property manager within 24 hours. File an STR with ANIF for transactions involving a name match against national, regional or UN lists and submit updated frozen-property reports quarterly.
- الأدلة الواجب الاحتفاظ بها
- 24-hour reports; ANIF STR receipt; competent-authority notices; quarterly reports; reconciliation log.
- المصدر الأساسي
- CEMAC Regulation No. 04/24/CEMAC/UMAC/CM
Govern false positives, access and release
- إجراء التنفيذ
- Maintain controlled match-resolution, licence, exemption, access and release procedures. Release property only under a documented lawful instruction or applicable delisting process; preserve confidentiality and a full audit trail.
- الأدلة الواجب الاحتفاظ بها
- Match rationale; legal advice; authority correspondence; licence or release record; audit log.
- المصدر الأساسي
- CEMAC Regulation No. 04/24/CEMAC/UMAC/CM
09Retain records and support supervisory accessRetention must allow authorities and auditors to reconstruct relationships, transactions, beneficial ownership and compliance decisions while protecting confidential data.4 عناصر+
Keep CDD, beneficial-ownership and business-relationship records for 10 years.
- إجراء التنفيذ
- Apply the statutory 10-year retention period from the end of the relationship or closure, as applicable, to identity, verification, ownership, profile, risk and analysis records. Hold records longer where a legal hold or authority direction requires it.
- الأدلة الواجب الاحتفاظ بها
- Retention schedule; lifecycle configuration; archived-file samples; legal-hold register.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, recordkeeping provisions
Keep transaction records for 10 years.
- إجراء التنفيذ
- Apply the statutory 10-year transaction-record period and retain enough detail to reconstruct the payment or other covered transaction, including communications and supporting evidence where required.
- الأدلة الواجب الاحتفاظ بها
- Storage configuration; transaction sample; retrieval procedure; audit log.
- المصدر الأساسي
- CEMAC Regulation No. 02/24, recordkeeping provisions
Make information available promptly to competent authorities.
- إجراء التنفيذ
- Use least-privilege access, controlled exports, audit logs and an authority-request playbook so ANIF, COBAC, BEAC and lawful investigators can receive material promptly without exposing STR information unnecessarily.
- الأدلة الواجب الاحتفاظ بها
- Access matrix; request register; export log; response-time report.
- المصدر الأساسي
- CEMAC Regulation No. 02/24; ANIF Cameroon, About
Protect confidentiality and integrity of retained records.
- إجراء التنفيذ
- Encrypt sensitive data, segregate STR and sanctions files, maintain immutable audit trails, test backup and restore, and delete records only when retention and legal-hold conditions permit.
- الأدلة الواجب الاحتفاظ بها
- Security architecture; access logs; backup test; deletion certificate; data-classification standard.
- المصدر الأساسي
- Law No. 2024/017; CEMAC Regulation No. 02/24
10Protect personal and biometric dataLaw No. 2024/017 is operative, and its 18-month transition period expired on 23 June 2026. Build AML and identity processing around the statutory authorisations, records, security and breach duties.4 عناصر+
Obtain required prior processing authorisation
- إجراء التنفيذ
- Processing of personal data is subject to prior authorisation by the Personal Data Protection Authority under Section 19. Maintain evidence of the applicable authorisation and do not use ANPDP as an established official name or acronym unless supported by the presidential implementing decree.
- الأدلة الواجب الاحتفاظ بها
- Processing inventory; authority submission and authorisation; legal-basis record; privacy notice.
- المصدر الأساسي
- Law No. 2024/017, Sections 19 and 53
Assess high-risk processing and sensitive data
- إجراء التنفيذ
- Conduct a prior impact assessment for processing likely to create high risk to individual rights and freedoms. Apply the Act's specific prohibitions and authorisation conditions to biometric, genetic, health, banking and other sensitive data.
- الأدلة الواجب الاحتفاظ بها
- DPIA; necessity and proportionality analysis; sensitive-data authorisation; mitigations; approval.
- المصدر الأساسي
- Law No. 2024/017, Sections 22 and 27-29
Control international transfers
- إجراء التنفيذ
- Obtain separate prior authorisation before an international transfer of personal data and document the transfer purpose, recipient, safeguards, security and retention.
- الأدلة الواجب الاحتفاظ بها
- Transfer register; authority authorisation; transfer assessment; processor clauses; security review.
- المصدر الأساسي
- Law No. 2024/017, Sections 32-33
Maintain records, annual reporting and breach response
- إجراء التنفيذ
- Maintain the statutory processing register and submit the annual security-measures report. Immediately notify both the Authority and the data subject upon becoming aware of a personal-data breach, preserving the incident chronology and remediation evidence.
- الأدلة الواجب الاحتفاظ بها
- Processing register; annual security report; breach notices; incident log; remediation record.
- المصدر الأساسي
- Law No. 2024/017, Sections 48 and 73
11Operate BEAC and COBAC payment-service controlsA licensed payment operation requires continuing governance, prudential, customer-protection, security and resilience controls in addition to AML compliance.4 عناصر+
Maintain payment-service governance and risk management.
- إجراء التنفيذ
- Document decision rights, internal controls, risk management, security, outsourcing, business continuity, incident response, complaints and customer communications appropriate to the authorised payment activity.
- الأدلة الواجب الاحتفاظ بها
- Governance framework; risk register; continuity test; incident reports; complaints dashboard.
- المصدر الأساسي
- Regulation No. 04/18; COBAC R-2019/02; COBAC R-2024/01 on IT-risk management
Safeguard customer funds where the applicable rule requires it.
- إجراء التنفيذ
- For payment institutions, place client funds in a dedicated ring-fenced account no later than the following day if they have not been delivered to the beneficiary, and reconcile those funds daily. COBAC supervises credit institutions, microfinance institutions and payment institutions within its perimeter; BEAC supervises payment systems and technical conformity.
- الأدلة الواجب الاحتفاظ بها
- Safeguarding analysis; account agreements; reconciliations; shortfall log; legal opinion.
- المصدر الأساسي
- Regulation No. 04/18/CEMAC/UMAC/COBAC, Articles 49 and 53
Manage operational and cyber risk for payment platforms.
- إجراء التنفيذ
- Assess technology, data, access, fraud, third-party and concentration risks before launch and material change; test continuity, recovery and incident escalation and maintain auditable security logs.
- الأدلة الواجب الاحتفاظ بها
- Technology-risk assessment; third-party review; resilience-test report; incident playbook.
- المصدر الأساسي
- COBAC R-2024/01; BEAC payment-services report 2024
Run a documented launch and periodic compliance gate.
- إجراء التنفيذ
- Before launch and material change, confirm licence scope, AML, sanctions, safeguarding, privacy, outsourcing, customer terms, complaints, resilience and reporting readiness. Repeat the certification on a defined schedule.
- الأدلة الواجب الاحتفاظ بها
- Launch checklist; accountable approvals; periodic certification; open-risk register.
- المصدر الأساسي
- Regulation No. 04/18; COBAC regulations catalogue; Law No. 2024/017
دليل الدولة 2026
11 مجال رقابي و44 فحص تنفيذ مع روابط مباشرة للمصادر التنظيمية.
حمّل قائمة KYC وKYB وAML الخاصة بـ الكاميرون
شارك بيانات العمل للوصول الفوري إلى قائمة التنفيذ الموثقة بالمصادر لـ الكاميرون. تاريخ المراجعة التنظيمية: 15 July 2026.
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الإصدار 1.1، تمت المراجعة في 15 July 2026
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- CEMAC Regulation No. 01/CEMAC/UMAC/CM of 11 April 2016 on AML/CFT/CPFCEMAC / Republic of the Congo Secretariat-General · Primary regional regulation
- ANIF Cameroon: mandate and institutional frameworkANIF Cameroon · Official FIU information
- ANIF Cameroon declaration guideANIF Cameroon · Official FIU guidance
- Cameroon Mutual Evaluation Report 2022GABAC · Official mutual evaluation
- Third enhanced follow-up report for CameroonGABAC · Official follow-up report
- Mutual evaluation reports portalGABAC · Official reports portal
- Regulation No. 04/18/CEMAC/UMAC/COBAC on payment servicesBEAC · Primary regional regulation
- Payment-system instructions, circulars and regulationsBEAC · Official regulatory portal
- COBAC regulations catalogueBEAC / COBAC · Official regulatory portal
- CEMAC payment-services report 2024BEAC · Official supervisory report
- Law No. 2024/017 of 23 December 2024 relating to personal data protection in CameroonPresidency of the Republic of Cameroon · Primary legislation
- Official legislation listing for Law No. 2024/017Presidency of the Republic of Cameroon · Official legislation portal
- Cameroon taxpayer registration and NIU guidanceCameroon Directorate General of Taxation · Official tax guidance
- Cameroon active taxpayer fileCameroon Directorate General of Taxation · Official tax register guidance
- OHADA Uniform Act on General Commercial LawOHADA · Primary regional commercial-law framework
- OHADA Uniform Act on Commercial Companies and Economic Interest GroupsOHADA · Primary regional company-law framework
- FATF June 2026Financial Action Task Force · Jurisdictions under increased monitoring, 19 June 2026
- Cameroon FATF action plan on entry to increased monitoringFATF · Official FATF statement
- FATF public-identification process for monitored jurisdictionsFATF · Official explanatory guidance
- UN Security Council Consolidated ListUnited Nations Security Council · Official sanctions list
- CEMAC Regulation No. 02/24GABAC / CEMAC · Current AML/CFT/CPF regulation of 20 December 2024
- CEMAC Regulation No. 04/24GABAC / CEMAC · Targeted financial sanctions regulation of 20 December 2024
- Cameroon DGI BO circularCameroon Directorate General of Taxation · Official beneficial-ownership obligations and filing guidance
إجابات مباشرة
أسئلة KYC وKYB وAML في الكاميرون
Who receives suspicious transaction reports in Cameroon?+
Reports are submitted to ANIF Cameroon, the country's financial intelligence unit. The CEMAC Regulation requires reporting without delay when the relevant suspicion threshold is met; a monetary threshold is not a safe harbour from reporting.
Is there a fixed filing deadline for a suspicious transaction report?+
The applicable CEMAC AML/CFT/CPF framework uses an urgency standard rather than a universal fixed number of hours or days. Firms should therefore maintain an escalation and filing process that submits reports to ANIF without delay after the suspicion decision, while preserving evidence of the decision and submission.
How long must AML records be retained in Cameroon?+
The CEMAC Regulation provides a 10-year core retention period for CDD and relationship records and for transaction records, measured from the legally relevant end of the relationship or transaction. Apply a legal hold or authority direction where it requires longer preservation.
What beneficial-ownership checks are needed for a Cameroon company?+
Verify the company's RCCM, constitutional and tax-registration details, map ownership and control to natural persons, verify the result using reliable sources, and investigate discrepancies. FATF's current Cameroon action plan specifically calls for timely access to adequate and up-to-date beneficial-ownership information, so firms should not assume that a registry search alone completes KYB.
What PEP controls apply?+
CEMAC rules require PEP identification and enhanced treatment. For a PEP relationship, obtain the required senior approval, establish source of wealth and source of funds, apply enhanced ongoing monitoring, and continue risk-based treatment after the public function ends.
Is Cameroon currently on the FATF grey list?+
Yes. Cameroon remains under FATF increased monitoring in the FATF statement dated 19 June 2026. FATF does not call for blanket de-risking; regulated firms should apply a documented risk-based approach and account for the listed action-plan weaknesses in their own controls.
منهجية البحث والمراجعة
تحدد VOVE ID Compliance Research النطاق التنظيمي، وتحول الالتزامات إلى ضوابط تشغيلية، وتربط الادعاءات الجوهرية بالمصادر، وتسجل تاريخ وإصدار كل مراجعة.
VOVE ID Compliance Research · تاريخ المراجعة 15 July 2026 · الإصدار 1.1
This checklist is general information, not legal advice. It is based on official and authoritative materials available on 15 July 2026. The CEMAC framework is supplemented by sector rules, supervisory practice and implementing measures that may change. Confirm applicability with ANIF, COBAC, BEAC, the Personal Data Protection Authority and qualified Cameroon counsel before launch.