قائمة امتثال KYC وKYB وAML
السنغال KYC, KYB & AML
An implementation-focused checklist for fintechs, payment institutions, financial institutions and other regulated businesses operating in Senegal. It translates Senegal's 2024 AML/CFT/CPF law, BCEAO payment-services rules and data-protection framework into controls, actions and audit evidence.
- تاريخ المراجعة
- 15 July 2026
- الإصدار
- 1.2
- مجالات رقابية
- 11
- فحوص تنفيذ
- 57
إجابة مباشرة
ما الذي تغطيه قائمة الامتثال الخاصة بـ السنغال؟
تحوّل قائمة السنغال قواعد KYC وKYB وAML الأساسية إلى 11 مجالات رقابية و57 فحوص تنفيذ، وتشمل الجهات المختصة وواجبات الإبلاغ والأدلة الواجب الاحتفاظ بها.
حقائق تنظيمية أساسية
- Primary AML law
- Law No. 2024-08
- FIU
- CENTIF Senegal
- Payments authority
- BCEAO
- Privacy authority
- CDP
- Core record period
- 10 years
- FATF status
- Not under increased monitoring
تفاصيل التنفيذ
متطلبات وإجراءات الامتثال في السنغال
افتح كل مجال لمراجعة المتطلب وإجراء التنفيذ المقترح والأدلة الواجب الاحتفاظ بها والمصدر الأساسي.
01Confirm scope, authorities and permissionsMap every Senegal-facing activity to the applicable reporting-person category, sector supervisor and licensing perimeter before onboarding customers.5 عناصر+
Document why the business is or is not a reporting person under Law No. 2024-08.
- إجراء التنفيذ
- Map each legal entity, product and customer journey to the law's financial or designated non-financial categories; record the accountable supervisor and CENTIF reporting route.
- الأدلة الواجب الاحتفاظ بها
- Signed regulatory perimeter memo; entity-product matrix; counsel or compliance approval.
- المصدر الأساسي
- Law No. 2024-08, scope and reporting-person provisions
Obtain the required BCEAO permission before providing regulated payment services.
- إجراء التنفيذ
- Classify account, transfer, acquiring, issuance, remittance and initiation activities against Instruction No. 001-01-2024; do not rely on a technology or agency label to bypass authorisation.
- الأدلة الواجب الاحتفاظ بها
- Licence, approval or documented exemption; product-to-permission mapping.
- المصدر الأساسي
- BCEAO Instruction No. 001-01-2024, arts. 4, 9 and 17
Stop unlicensed payment activity where the transition period has expired.
- إجراء التنفيذ
- Confirm that the operating entity and any payment partner appear within the current authorised perimeter. BCEAO Notice No. 006-05-2025 extended the transition through 31 August 2025; from 1 September 2025, only authorised payment service providers could operate within the regulated perimeter.
- الأدلة الواجب الاحتفاظ بها
- Current BCEAO register check; partner due-diligence file; documented confirmation of authorisation before operation from 1 September 2025; board launch gate.
- المصدر الأساسي
- BCEAO Notice No. 006-05-2025
Treat virtual-asset services as approval-dependent and AML-regulated.
- إجراء التنفيذ
- Identify custody, exchange, transfer, issuance-support or other virtual-asset functions and obtain prior approval where applicable before service begins.
- الأدلة الواجب الاحتفاظ بها
- Virtual-asset perimeter assessment; approval correspondence; AML control mapping.
- المصدر الأساسي
- Law No. 2024-08, arts. 58–59
Assign named owners for CENTIF, BCEAO, sector-supervisor and CDP obligations.
- إجراء التنفيذ
- Maintain a responsibility matrix covering regulatory filings, suspicious transaction reporting, payment safeguarding, privacy formalities and incident escalation.
- الأدلة الواجب الاحتفاظ بها
- RACI; appointment letters; committee terms; regulatory calendar.
- المصدر الأساسي
- Law No. 2024-08, arts. 12–15; BCEAO Instruction No. 001-01-2024, art. 32
02Build the AML/CFT/CPF control frameworkThe programme should be proportionate to documented risks and embedded in governance, people, systems and assurance.5 عناصر+
Maintain a documented enterprise-wide risk assessment.
- إجراء التنفيذ
- Assess customers, countries, products, services, transactions, delivery channels and new technologies; define methodology, data inputs, residual-risk logic and refresh triggers.
- الأدلة الواجب الاحتفاظ بها
- Approved risk assessment; methodology; risk appetite; change log.
- المصدر الأساسي
- Law No. 2024-08, arts. 12–15
Adopt written policies, controls and procedures aligned to identified risk.
- إجراء التنفيذ
- Cover onboarding, beneficial ownership, PEPs, sanctions, monitoring, reporting, recordkeeping, outsourcing and control testing, with board or senior-management approval.
- الأدلة الواجب الاحتفاظ بها
- Policy suite; approval minutes; control library; annual review record.
- المصدر الأساسي
- Law No. 2024-08, arts. 12–15
Screen integrity and competence of relevant personnel.
- إجراء التنفيذ
- Apply risk-based pre-employment checks, conflict declarations and role-specific suitability requirements for compliance-sensitive positions.
- الأدلة الواجب الاحتفاظ بها
- Screening standard; completed checks; conflict register.
- المصدر الأساسي
- Law No. 2024-08, arts. 12–15
Provide continuing, role-specific training.
- إجراء التنفيذ
- Train the board, customer operations, investigators, product, engineering, sales and agents on their controls, escalation paths and tipping-off restrictions.
- الأدلة الواجب الاحتفاظ بها
- Curriculum; attendance; assessment scores; remediation log.
- المصدر الأساسي
- Law No. 2024-08, arts. 12–15 and 63
Evaluate new products and technologies before launch.
- إجراء التنفيذ
- Complete AML, fraud, sanctions and privacy risk assessments before introducing material technology, channel or product changes and implement mitigating controls.
- الأدلة الواجب الاحتفاظ بها
- Pre-launch risk assessment; architecture review; control acceptance; launch approval.
- المصدر الأساسي
- Law No. 2024-08, arts. 12–15
03Identify and verify customersCDD must establish who the customer is, who acts for them, who ultimately benefits and why the relationship is being opened.6 عناصر+
Identify and verify the customer and beneficial owner using reliable, independent sources.
- إجراء التنفيذ
- Capture identity attributes and verify them against appropriate documents, data or trusted digital sources before the relationship or transaction, subject only to the law's narrow deferral conditions.
- الأدلة الواجب الاحتفاظ بها
- CDD record; verification results; source provenance; exception log.
- المصدر الأساسي
- Law No. 2024-08, arts. 16–18
Identify any person acting on behalf of the customer and verify authority.
- إجراء التنفيذ
- Verify the representative, mandate and power to act; link the representative to the customer and screen both under the applicable risk rules.
- الأدلة الواجب الاحتفاظ بها
- Mandate or power of attorney; representative ID; verification and screening record.
- المصدر الأساسي
- Law No. 2024-08, arts. 17–18
Establish the purpose and intended nature of the relationship.
- إجراء التنفيذ
- Collect expected activity, products, counterparties, geographies, source of funds and business rationale sufficient to set a risk rating and monitoring profile.
- الأدلة الواجب الاحتفاظ بها
- Customer profile; expected-activity baseline; risk score and rationale.
- المصدر الأساسي
- Law No. 2024-08, arts. 16 and 19–20
Apply CDD at all statutory triggers, including suspicion and relevant occasional transactions.
- إجراء التنفيذ
- Configure onboarding and transaction workflows to trigger CDD for relationships, account or custody services, domestic or international transfers, linked cash activity, threshold events and any suspicion regardless of amount.
- الأدلة الواجب الاحتفاظ بها
- Trigger matrix; workflow rules; linked-transaction logic; test results.
- المصدر الأساسي
- Law No. 2024-08, art. 17
Use deferred verification only where every legal condition is satisfied.
- إجراء التنفيذ
- Complete verification as soon as possible and before the first transaction; document why delay is essential not to interrupt normal business and how risks are effectively controlled under pre-approved procedures.
- الأدلة الواجب الاحتفاظ بها
- Deferral policy; case approval; no-transaction control; completion timestamps.
- المصدر الأساسي
- Law No. 2024-08, art. 18
Do not proceed when required CDD cannot be completed and file the mandatory suspicious transaction report.
- إجراء التنفيذ
- Do not open the relationship, refuse the occasional transaction or terminate the relationship as applicable; submit a suspicious transaction report to CENTIF as required by article 25 without tipping off the customer.
- الأدلة الواجب الاحتفاظ بها
- Decline or exit record; investigation decision; STR filing receipt and restricted case record.
- المصدر الأساسي
- Law No. 2024-08, arts. 22 and 25
04Verify businesses and beneficial ownersKYB must establish legal existence, authority, ownership and the natural persons who ultimately own or control the customer.5 عناصر+
Verify legal name, form, constitutive documents, powers and addresses.
- إجراء التنفيذ
- Obtain current registry and constitutional records, registered and principal office, governing documents, tax or sector identifiers and proof of operating status from reliable sources.
- الأدلة الواجب الاحتفاظ بها
- Registry extract; statutes; address proof; independent-source checks.
- المصدر الأساسي
- Law No. 2024-08, art. 26
Understand the customer's activity, ownership and control structure.
- إجراء التنفيذ
- Map legal and economic activity, directors or equivalent controllers, shareholders, members, intermediate entities and control rights through every layer.
- الأدلة الواجب الاحتفاظ بها
- Ownership chart; director register; corporate profile; analyst notes.
- المصدر الأساسي
- Law No. 2024-08, art. 26
Apply the beneficial-owner cascade to natural persons.
- إجراء التنفيذ
- Identify the natural person exercising controlling ownership; if none is identified, determine control through other means; only then identify the relevant senior managing official and document why.
- الأدلة الواجب الاحتفاظ بها
- BO calculation; control analysis; fallback rationale; verified BO files.
- المصدر الأساسي
- Law No. 2024-08, art. 26
Keep shareholder, member and beneficial-ownership information accurate and current.
- إجراء التنفيذ
- Require event-driven notifications, periodic refresh and discrepancy escalation; reconcile customer information against available registries and reliable sources.
- الأدلة الواجب الاحتفاظ بها
- Registers; refresh schedule; change alerts; discrepancy cases.
- المصدر الأساسي
- Law No. 2024-08, arts. 76–79
Detect bearer, nominee, trust and similar opacity risks.
- إجراء التنفيذ
- Identify nominee arrangements, bearer instruments, trusts and comparable legal arrangements; establish the relevant parties, control and purpose and apply enhanced measures where risk is elevated.
- الأدلة الواجب الاحتفاظ بها
- Legal-arrangement questionnaire; party verification; enhanced review.
- المصدر الأساسي
- Law No. 2024-08, arts. 80–83
05Apply enhanced and remote due diligenceHigher-risk relationships require deeper evidence, approval and monitoring; lower-risk treatment must be justified rather than assumed.5 عناصر+
Identify domestic, foreign and international organisation PEPs and relevant connected persons.
- إجراء التنفيذ
- Use risk-based systems to identify PEP status and apply the statutory treatment to family members and close associates where required.
- الأدلة الواجب الاحتفاظ بها
- PEP screening record; relationship analysis; match disposition.
- المصدر الأساسي
- Law No. 2024-08, art. 29
Obtain senior approval and establish source of wealth and source of funds for PEP relationships.
- إجراء التنفيذ
- Complete corroborated wealth and funds analysis before onboarding or continuing the relationship and obtain approval at the prescribed senior level.
- الأدلة الواجب الاحتفاظ بها
- Source analysis; corroborating records; signed approval.
- المصدر الأساسي
- Law No. 2024-08, art. 29
Apply enhanced, ongoing monitoring and periodically reassess former PEP risk.
- إجراء التنفيذ
- Set tighter scenarios and review frequency, and reevaluate PEP profiles at least every three years while retaining risk-based treatment after public functions end.
- الأدلة الواجب الاحتفاظ بها
- Monitoring plan; review diary; three-year reassessment record.
- المصدر الأساسي
- Law No. 2024-08, art. 29
Control non-face-to-face identity and impersonation risk.
- إجراء التنفيذ
- Use layered document, biometric or equivalent verification, device and fraud signals, liveness where proportionate, channel limits and manual escalation calibrated to risk.
- الأدلة الواجب الاحتفاظ بها
- Remote-onboarding standard; vendor assessment; model tests; exception cases.
- المصدر الأساسي
- Law No. 2024-08, art. 22
Document the basis for enhanced or simplified measures.
- إجراء التنفيذ
- Apply enhanced controls to higher risks and simplified measures only where lower risk is demonstrated and no suspicion or mandatory enhanced-treatment condition applies.
- الأدلة الواجب الاحتفاظ بها
- Risk decision; control variation; approval and review date.
- المصدر الأساسي
- Law No. 2024-08, arts. 84–85
06Monitor activity and report suspicionMonitoring must compare actual behaviour with the known customer and promptly escalate suspicion to CENTIF.6 عناصر+
Keep CDD and risk profiles current throughout the relationship.
- إجراء التنفيذ
- Refresh on risk-based cycles and events such as ownership change, unusual activity, document expiry, adverse information or material product change.
- الأدلة الواجب الاحتفاظ بها
- Refresh rules; event triggers; completed reviews; overdue dashboard.
- المصدر الأساسي
- Law No. 2024-08, arts. 16 and 19–20
Monitor transactions against customer knowledge and expected activity.
- إجراء التنفيذ
- Implement scenarios and investigations covering size, frequency, velocity, counterparties, geography, channels, source of funds and unexplained changes.
- الأدلة الواجب الاحتفاظ بها
- Scenario inventory; tuning rationale; alerts; investigation files.
- المصدر الأساسي
- Law No. 2024-08, arts. 19–21
Examine complex, unusual or apparently purposeless activity and preserve a written analysis.
- إجراء التنفيذ
- Investigate origin, destination, purpose and beneficial owner; create a confidential written report even where suspicion is not ultimately established.
- الأدلة الواجب الاحتفاظ بها
- Special-examination report; supporting data; reviewer sign-off.
- المصدر الأساسي
- Law No. 2024-08, art. 21
Report suspected, attempted and relevant proposed activity to CENTIF immediately.
- إجراء التنفيذ
- File when there is suspicion or reasonable ground to suspect money laundering, terrorist financing, proliferation financing, a predicate offence or other statutory reporting circumstance; send supplementary information without delay.
- الأدلة الواجب الاحتفاظ بها
- STR decision record; filing receipt; supplement log; restricted case file.
- المصدر الأساسي
- Law No. 2024-08, art. 60
Refrain from execution before reporting unless a statutory exception applies.
- إجراء التنفيذ
- Pause the transaction where required. If execution cannot be deferred, deferral would obstruct investigation, or suspicion arises afterward, notify CENTIF without delay and document the reason.
- الأدلة الواجب الاحتفاظ بها
- Hold decision; exception rationale; filing timestamp; release approval.
- المصدر الأساسي
- Law No. 2024-08, art. 61
Prevent tipping off and implement CENTIF opposition instructions.
- إجراء التنفيذ
- Restrict knowledge of filings and inquiries. Operationalise CENTIF's opposition period of up to four days and escalation for judicial extension or provisional seizure.
- الأدلة الواجب الاحتفاظ بها
- Confidentiality controls; access logs; hold workflow; legal escalation record.
- المصدر الأساسي
- Law No. 2024-08, arts. 63 and 65
07Control payments, transfers and cash riskPayment and transfer controls should preserve required originator and beneficiary information and identify linked or unusual activity.5 عناصر+
Capture and transmit required originator and beneficiary information.
- إجراء التنفيذ
- Map mandatory data fields across domestic, cross-border and intermediary payment flows; reject, suspend or investigate missing or unreliable information according to documented rules.
- الأدلة الواجب الاحتفاظ بها
- Data dictionary; message samples; missing-data rules; QA results.
- المصدر الأساسي
- Law No. 2024-08, transfer provisions, arts. 39–46
Detect linked transactions and threshold avoidance.
- إجراء التنفيذ
- Aggregate related cash and occasional transactions across channels, accounts, devices, agents and the statutory time window; maintain configurable thresholds set by competent authority.
- الأدلة الواجب الاحتفاظ بها
- Aggregation logic; threshold register; scenario tests; cases.
- المصدر الأساسي
- Law No. 2024-08, arts. 17 and 72
Apply enhanced monitoring to unusual or unrelated deposits and cash activity.
- إجراء التنفيذ
- Escalate activity inconsistent with the customer's profile, stated business or economic purpose and document source-of-funds inquiries.
- الأدلة الواجب الاحتفاظ بها
- Cash-risk rules; source evidence; analyst disposition.
- المصدر الأساسي
- Law No. 2024-08, arts. 21 and 72
Maintain agent and partner controls across the payment chain.
- إجراء التنفيذ
- Conduct due diligence, contract for AML and data obligations, train relevant personnel, monitor performance and preserve audit and termination rights.
- الأدلة الواجب الاحتفاظ بها
- Partner file; contract clauses; training; monitoring dashboard.
- المصدر الأساسي
- BCEAO Instruction No. 001-01-2024, governance and risk-control requirements
Reconstruct the full payment trail.
- إجراء التنفيذ
- Retain identifiers, timestamps, amounts, currencies, channels, account or wallet references, parties, screening results and decision history in an exportable format.
- الأدلة الواجب الاحتفاظ بها
- Sample reconstruction; lineage map; retention and access test.
- المصدر الأساسي
- Law No. 2024-08, art. 23
08Implement targeted financial sanctionsFreezing measures must operate immediately, without prior notice, and cover funds and economic resources linked to designated persons and entities.5 عناصر+
Screen customers, beneficial owners, controllers and transactions against applicable designations.
- إجراء التنفيذ
- Screen at onboarding, list updates, material profile changes and before relevant transactions; include aliases, transliteration and ownership or control analysis.
- الأدلة الواجب الاحتفاظ بها
- List inventory; screening configuration; update logs; match files.
- المصدر الأساسي
- Law No. 2024-08, arts. 89–90
Freeze designated funds and economic resources immediately and without prior notice.
- إجراء التنفيذ
- Create a 24/7 decision and technical-control path that blocks movement, alteration, use or access once the legal condition is met.
- الأدلة الواجب الاحتفاظ بها
- Freeze procedure; system test; incident timeline; approvals.
- المصدر الأساسي
- Law No. 2024-08, art. 89
Prevent funds or economic resources from being made available.
- إجراء التنفيذ
- Control direct and indirect availability, including through owned or controlled entities, intermediaries, cards, wallets, agents and refunds.
- الأدلة الواجب الاحتفاظ بها
- Control mapping; ownership analysis; blocked-payment tests.
- المصدر الأساسي
- Law No. 2024-08, art. 89
Notify CENTIF and the competent authority immediately.
- إجراء التنفيذ
- Maintain a controlled reporting workflow for frozen assets, attempted activity, false positives and subsequent directions.
- الأدلة الواجب الاحتفاظ بها
- Notification template; filing receipt; regulator correspondence.
- المصدر الأساسي
- Law No. 2024-08, art. 90
Apply sanctions controls consistently across the group.
- إجراء التنفيذ
- Define group-wide minimums, local legal escalation and information-sharing safeguards so Senegal operations receive and implement designations without delay.
- الأدلة الواجب الاحتفاظ بها
- Group standard; local annex; update SLA; assurance results.
- المصدر الأساسي
- Law No. 2024-08, art. 89
09Retain records and support assuranceRecords should allow authorities and auditors to reconstruct decisions, relationships and transactions over the statutory period.5 عناصر+
Keep identity, KYC, profile and analysis records for 10 years after closure or cessation.
- إجراء التنفيذ
- Start the retention clock from account closure or the end of the business relationship and preserve documents, data, decisions and special examinations.
- الأدلة الواجب الاحتفاظ بها
- Retention schedule; lifecycle rules; sampled archived files.
- المصدر الأساسي
- Law No. 2024-08, art. 23
Keep transaction, accounting and correspondence records for 10 years after the transaction.
- إجراء التنفيذ
- Apply transaction-based clocks and preserve sufficient detail for complete reconstruction and evidential use.
- الأدلة الواجب الاحتفاظ بها
- Storage configuration; transaction sample; retrieval test.
- المصدر الأساسي
- Law No. 2024-08, art. 23
Preserve corporate and beneficial-ownership records after dissolution.
- إجراء التنفيذ
- Contractually and operationally ensure relevant parties keep required company and BO information for at least 10 years after dissolution or the end of the applicable relationship.
- الأدلة الواجب الاحتفاظ بها
- Dissolution checklist; archive owner; retention proof.
- المصدر الأساسي
- Law No. 2024-08, arts. 76–79
Protect confidentiality while enabling timely authority access.
- إجراء التنفيذ
- Use least privilege, immutable logs, legal holds and controlled exports; separate STR and sanctions files from ordinary customer-service access.
- الأدلة الواجب الاحتفاظ بها
- Access matrix; audit logs; legal-hold test; disclosure register.
- المصدر الأساسي
- Law No. 2024-08, arts. 23 and 63
Test control design and operating effectiveness independently.
- إجراء التنفيذ
- Set a risk-based compliance monitoring and independent audit plan; track findings to accountable owners and board-visible closure.
- الأدلة الواجب الاحتفاظ بها
- Monitoring plan; audit reports; issue register; closure evidence.
- المصدر الأساسي
- Law No. 2024-08, arts. 12–15
10Protect personal and biometric dataIdentity verification creates high-risk personal-data processing that must be lawful, proportionate, secure and subject to CDP formalities.5 عناصر+
Map identity, biometric, corporate and monitoring data to a lawful and defined purpose.
- إجراء التنفيذ
- Maintain records of processing covering source, purpose, fields, recipients, location, retention, security and rights handling; separate legal obligations from optional analytics or marketing.
- الأدلة الواجب الاحتفاظ بها
- Data inventory; processing register; purpose and legal-basis assessment.
- المصدر الأساسي
- Law No. 2008-12 on personal data protection
Complete applicable declarations or prior authorisations with CDP.
- إجراء التنفيذ
- Classify each processing operation under CDP formalities, including sensitive or biometric processing, interconnected files and transfers to third countries, before production use where authorisation is required.
- الأدلة الواجب الاحتفاظ بها
- CDP filing; receipt or authorisation; processing-to-formality matrix.
- المصدر الأساسي
- CDP, Formalities; Law No. 2008-12 and Decree No. 2008-721
Provide clear notices and operationalise individual rights.
- إجراء التنفيذ
- Explain controller identity, purposes, required fields, recipients, transfers, retention and rights; authenticate and log access, correction, objection or deletion requests subject to legal retention duties.
- الأدلة الواجب الاحتفاظ بها
- Privacy notice; request workflow; response log; exemption rationale.
- المصدر الأساسي
- CDP, Understanding your rights; Law No. 2008-12
Minimise collection and secure identity evidence.
- إجراء التنفيذ
- Limit data to what is necessary, encrypt in transit and at rest, restrict access, test vendors and deletion, and maintain incident detection and response appropriate to identity and biometric risk.
- الأدلة الواجب الاحتفاظ بها
- Data-minimisation review; security architecture; access logs; incident plan.
- المصدر الأساسي
- CDP, Business obligations; Law No. 2008-12
Control processors, vendors and international transfers.
- إجراء التنفيذ
- Perform due diligence, document instructions, confidentiality, security, sub-processing, audit, return or deletion and transfer safeguards; verify actual data locations.
- الأدلة الواجب الاحتفاظ بها
- Vendor assessment; data-processing terms; transfer map; audit record.
- المصدر الأساسي
- Law No. 2008-12; CDP formalities
11Operate BCEAO payment-service controlsLicensed payment operations require governance, safeguarding, operational resilience and customer-protection controls in addition to AML compliance.5 عناصر+
Maintain governance, internal control and risk-management arrangements proportionate to payment activity.
- إجراء التنفيذ
- Document decision rights, control functions, risk and security frameworks, outsourcing, continuity, incident response, data protection and complaint management, and maintain the ongoing governance arrangements required for authorised payment institutions.
- الأدلة الواجب الاحتفاظ بها
- Governance framework; risk register; continuity tests; complaint reports; periodic governance review.
- المصدر الأساسي
- BCEAO Instruction No. 001-01-2024, art. 32
Safeguard and segregate customer funds.
- إجراء التنفيذ
- Deposit undelivered customer funds no later than the next business day into cantonnement accounts that are separate and distinct from operating accounts and held at a bank or microfinance institution; reconcile safeguarded balances daily and ensure the funds are protected from claims in the payment institution's insolvency.
- الأدلة الواجب الاحتفاظ بها
- Cantonnement account agreements and bank or microfinance institution confirmations; next-business-day deposit records; daily reconciliations; insolvency-protection terms; shortfall escalation records.
- المصدر الأساسي
- BCEAO Instruction No. 001-01-2024, art. 48
Use only authorised institutions and partners.
- إجراء التنفيذ
- Check the current BCEAO register at onboarding and periodically; verify the exact licensed entity, services, jurisdictions and restrictions rather than relying on a trading name.
- الأدلة الواجب الاحتفاظ بها
- Register extracts; partner licence file; periodic recheck log.
- المصدر الأساسي
- BCEAO list of authorised payment institutions, 28 February 2026
Integrate security, fraud and AML controls.
- إجراء التنفيذ
- Share governed signals between fraud, cybersecurity and AML teams; define escalation for account takeover, mule activity, agent abuse and payment anomalies without weakening STR confidentiality.
- الأدلة الواجب الاحتفاظ بها
- Integrated scenario map; escalation SLA; incident and case samples.
- المصدر الأساسي
- BCEAO Instruction No. 001-01-2024, art. 32; Law No. 2024-08
Run a documented launch and periodic compliance gate.
- إجراء التنفيذ
- Before launch and material changes, confirm licence, AML, safeguarding, privacy, outsourcing, customer terms, complaints, resilience and reporting readiness; repeat on a defined cycle.
- الأدلة الواجب الاحتفاظ بها
- Launch checklist; accountable approvals; periodic certification; open-risk log.
- المصدر الأساسي
- BCEAO Instruction No. 001-01-2024; Law No. 2024-08
دليل الدولة 2026
11 مجال رقابي و57 فحص تنفيذ مع روابط مباشرة للمصادر التنظيمية.
حمّل قائمة KYC وKYB وAML الخاصة بـ السنغال
شارك بيانات العمل للوصول الفوري إلى قائمة التنفيذ الموثقة بالمصادر لـ السنغال. تاريخ المراجعة التنظيمية: 15 July 2026.
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مراجعة وموثقة بالمصادر
الإصدار 1.2، تمت المراجعة في 15 July 2026
موثوق به من فرق الامتثال الرائدة
سجل المصادر الأساسية
14 مصدرًا مستخدمًا في هذه القائمة
استخدم هذه الروابط للتحقق من التشريعات وإرشادات الجهات الرقابية وإجراءات الإبلاغ والبيانات الدولية.
- Law No. 2024-08 of 14 February 2024, Official Journal No. 7716Republic of Senegal / Vie-Publique.sn · Primary legislation
- Instruction No. 001-01-2024 on payment services in the WAMUBCEAO · Primary regulation
- Payment-services instruction landing pageBCEAO · Official guidance
- Notice No. 006-05-2025 extending the payment-institution transition period through 31 August 2025BCEAO · Official notice
- Authorised payment institutions as at 28 February 2026BCEAO · Official register
- Personal data protection legislationCommission de Protection des Données Personnelles · Official legislation portal
- Personal data protection regulationsCommission de Protection des Données Personnelles · Official regulation portal
- Processing declarations and prior authorisationsCommission de Protection des Données Personnelles · Official compliance guidance
- Business data-protection obligationsCommission de Protection des Données Personnelles · Official compliance guidance
- Jurisdictions under increased monitoring, October 2024FATF · Official FATF statement
- Jurisdictions under increased monitoring, 19 June 2026FATF · Official FATF statement
- CENTIF Senegal 2024 annual reportCENTIF Senegal / Vie-Publique.sn · Official report
- Senegal 2025 national risk assessmentCENTIF Senegal / Vie-Publique.sn · Official risk assessment
- Compliance in Senegal 2026: BCEAO guide for fintech startupsVOVE ID · Contextual implementation guide
إجابات مباشرة
أسئلة KYC وKYB وAML في السنغال
Who receives suspicious transaction reports in Senegal?+
Reporting persons submit suspicious transaction reports to CENTIF Senegal. Law No. 2024-08 requires immediate reporting of covered suspected, attempted and relevant proposed activity and supplementary information without delay.
Can customer verification be completed after onboarding?+
Only under the narrow conditions in article 18: completion as soon as possible and before the first transaction, necessity to avoid interrupting normal business, effective risk management and pre-established risk procedures. This is not a general grace period. If required CDD cannot be completed, article 25 requires the relationship or transaction to be refused or terminated as applicable and a suspicious transaction report to be submitted to CENTIF without tipping off the customer.
How long should AML records be kept?+
Core identity, KYC, profile and analysis records are retained for 10 years after account closure or the end of the relationship. Transaction, accounting and correspondence records are retained for 10 years after the transaction.
Do fintechs need BCEAO authorisation?+
A fintech providing a regulated payment service must operate within the applicable BCEAO authorisation framework. The exact requirement depends on the legal entity and service. BCEAO Notice No. 006-05-2025 extended the transition through 31 August 2025; from 1 September 2025, only authorised payment service providers could operate within the regulated perimeter.
Is Senegal currently on the FATF grey list?+
No. FATF removed Senegal from increased monitoring in October 2024, and its 19 June 2026 statement confirms that Senegal is not under increased monitoring. Firms must still apply the domestic risk-based framework and enhanced measures wherever their own risk assessment requires them.
Does KYC data require CDP formalities?+
Potentially. Organisations should classify each processing operation under Senegal's privacy framework. Sensitive or biometric processing, interconnected files and certain third-country transfers may require prior authorisation rather than a simple declaration.
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 1.2
This checklist is general information, not legal advice. It is based on official materials available on 15 July 2026. Thresholds, implementing decisions, sector rules and supervisory expectations may change. Confirm applicability with CENTIF, BCEAO, the competent sector supervisor, CDP and qualified Senegalese counsel before launch.