Tchad KYC, KYB & AML compliance checklist
Une checklist pratique et sourcée pour mettre en œuvre les exigences KYC, KYB et AML en Tchad.
- Dernière revue
- Dernière revue:
- Version
- Version 1.1
Réponse directe
Que couvre la checklist de conformité pour Tchad ?
La checklist pour Tchad traduit les principales règles KYC, KYB et AML en 11 domaines de contrôle et 32 contrôles d’implémentation, avec les autorités, obligations de déclaration et preuves à conserver.
Faits réglementaires clés
- FIU
- Agence Nationale d'Investigation Financiere (ANIF)
- Primary AML rule
- CEMAC Regulation No. 02/24
- Suspicion reporting
- Forthwith to ANIF; oral or electronic reports require written confirmation within 48 hours
- Cash reporting
- CFA 5,000,000 or more, single or apparently linked, subject to stated exceptions
- Core retention
- 10 years for financial-institution CDD and transaction records
- FATF status
- Not named on FATF public lists as at 19 June 2026
Détail d’implémentation
Exigences et actions de conformité pour Tchad
Ouvrez chaque domaine pour consulter l’exigence, l’action recommandée, les preuves à conserver et la source primaire utilisée.
01Scope, authorities, and licensingResolve the entity, activity and supervisor before launch.3 éléments+
Determine whether each activity is a CEMAC reporting entity.
- Action d’implémentation
- Map every entity, product, channel and agent to the financial-institution or DNFBP categories and identify ANIF and the competent sector supervisor.
- Preuves à conserver
- Applicability memo, product map and accountable-owner register.
- Source primaire
- CEMAC Regulation No. 02/24, Articles 6-7
Treat ANIF as Chad's financial intelligence unit.
- Action d’implémentation
- Register required correspondents, obtain the current reporting format directly from ANIF and test a controlled filing path before operations begin.
- Preuves à conserver
- Correspondent notice, channel test, procedure and access approvals.
- Source primaire
- CEMAC Regulation No. 02/24, Articles 86-97 and 107-109; Law No. 29/PR/2018
Obtain authorisation before regulated financial activity.
- Action d’implémentation
- Classify banking, microfinance, insurance, payment, exchange and other financial services with the competent national authority, COBAC, BEAC or other supervisor and obtain every approval before launch.
- Preuves à conserver
- Perimeter analysis, authority correspondence and licence register.
- Source primaire
- Applicable CEMAC, COBAC, BEAC, CIMA and national sector rules
02Governance and risk assessmentThe programme must be documented, risk-based and independently tested.3 éléments+
Maintain an enterprise-wide ML/TF/PF risk assessment.
- Action d’implémentation
- Assess customers, products, channels, geography, cash, agents, technology and proliferation risk before launch and on material change.
- Preuves à conserver
- Approved methodology, risk assessment, controls and version history.
- Source primaire
- CEMAC Regulation No. 02/24, risk-based obligations
Maintain written controls and an empowered compliance function.
- Action d’implémentation
- Assign senior accountability, confidential ANIF reporting authority, resources, training and independent testing.
- Preuves à conserver
- Appointments, policies, training, testing and remediation log.
- Source primaire
- CEMAC Regulation No. 02/24, internal-control and correspondent provisions
Assess new technology before use.
- Action d’implémentation
- Identify and mitigate ML/TF/PF risks before launching a new product, distribution mechanism or technology.
- Preuves à conserver
- Pre-launch assessment, approval, tests and residual-risk acceptance.
- Source primaire
- CEMAC Regulation No. 02/24, Article 25
03Natural-person identificationCDD uses reliable, independent evidence and continues through the relationship.3 éléments+
Identify and verify customers and representatives.
- Action d’implémentation
- Verify the customer with reliable independent evidence; identify anyone acting for the customer and verify their authority.
- Preuves à conserver
- Identity file, source provenance, mandate and verification result.
- Source primaire
- CEMAC Regulation No. 02/24, Articles 20 and 29-30
Understand purpose and expected activity.
- Action d’implémentation
- Record the relationship purpose, products, expected volumes, counterparties, geography and source of funds sufficient for risk rating and monitoring.
- Preuves à conserver
- Customer profile, expected-activity baseline and approval.
- Source primaire
- CEMAC Regulation No. 02/24, Article 21
Do not proceed where mandatory CDD fails.
- Action d’implémentation
- Do not open or execute, or terminate as applicable, when required identification cannot be completed; consider and confidentially file an STR.
- Preuves à conserver
- Decline or exit decision, investigation and restricted STR record.
- Source primaire
- CEMAC Regulation No. 02/24, Article 41
04KYB, registries, and beneficial ownershipRegistry evidence does not replace natural-person ownership and control analysis.3 éléments+
Verify legal existence, governance and authority.
- Action d’implémentation
- Obtain current RCCM, constitutional, address, director, signatory, tax and licence evidence and reconcile inconsistencies.
- Preuves à conserver
- RCCM extract, statutes, powers, tax record and licence file.
- Source primaire
- CEMAC Regulation No. 02/24, Article 31; OHADA Uniform Acts
Identify natural-person beneficial owners through ownership, control and fallback tests.
- Action d’implémentation
- Identify the natural persons with ultimate controlling interests, then control by other means, and use the principal-manager fallback only where no person is identified under the first two tests.
- Preuves à conserver
- Ownership chart, source records, control analysis and verified identities.
- Source primaire
- CEMAC Regulation No. 02/24, Article 33
Apply the register disclosure test separately from AML CDD.
- Action d’implémentation
- For the CEMAC register, capture declared beneficial owners; if none is declared, apply the Regulation's more-than-25% and specified control or officeholder rules. Do not substitute this fallback for Article 33 CDD.
- Preuves à conserver
- Register filing, calculation, officeholder record and reconciliation.
- Source primaire
- CEMAC Regulation No. 02/24, Articles 76-82
05PEPs, EDD, and remote onboardingHigher-risk and remote relationships require enhanced controls.3 éléments+
Detect PEP exposure in customers and beneficial owners.
- Action d’implémentation
- Use appropriate systems to identify domestic, foreign and international-organisation PEP exposure and connected-person risk.
- Preuves à conserver
- Screening, relationship map, match decision and refresh log.
- Source primaire
- CEMAC Regulation No. 02/24, Articles 23 and 67
Apply PEP approval, provenance and monitoring measures.
- Action d’implémentation
- Obtain senior-management approval, take reasonable measures to establish source of funds or assets, and conduct enhanced ongoing monitoring.
- Preuves à conserver
- Approval, provenance analysis and monitoring plan.
- Source primaire
- CEMAC Regulation No. 02/24, Article 23
Control non-face-to-face risk.
- Action d’implémentation
- Apply enhanced identity, fraud, device, liveness and exception controls proportionate to the remote channel and data used.
- Preuves à conserver
- Remote-onboarding assessment, vendor review, tests and exceptions.
- Source primaire
- CEMAC Regulation No. 02/24, Article 22; Law No. 007/PR/2015
06Monitoring and suspicious reportingANIF reporting is prompt, traceable and confidential.3 éléments+
Monitor activity against the current customer profile.
- Action d’implémentation
- Examine unusual, complex, linked or apparently purposeless activity and preserve a reasoned conclusion.
- Preuves à conserver
- Alerts, investigation, disposition and rule governance.
- Source primaire
- CEMAC Regulation No. 02/24, Articles 21 and 63-64
Report suspicious and attempted transactions forthwith to ANIF.
- Action d’implémentation
- File when the entity knows, suspects or has good reason to suspect criminal proceeds or ML/TF/PF; confirm a telephone or electronic report in writing within 48 hours.
- Preuves à conserver
- Decision chronology, report, receipt and supplemental-information log.
- Source primaire
- CEMAC Regulation No. 02/24, Articles 105 and 109
Prevent tipping off.
- Action d’implémentation
- Restrict access and do not disclose an STR, its content or ANIF action to the customer or unauthorised third parties.
- Preuves à conserver
- Access logs, confidentiality procedure and training.
- Source primaire
- CEMAC Regulation No. 02/24, Article 110
07Payments, wires, thresholds, and agentsPayment controls preserve required data and apply scoped objective reporting.3 éléments+
Report covered cash transactions of CFA 5,000,000 or more.
- Action d’implémentation
- Aggregate single and apparently linked cash transactions and report to ANIF, applying only the express business-use and BEAC-counter exceptions while retaining enhanced scrutiny.
- Preuves à conserver
- Aggregation tests, exception basis, filing and receipt.
- Source primaire
- CEMAC Regulation No. 02/24, Article 18
Preserve required wire-transfer information.
- Action d’implémentation
- Carry required originator and beneficiary data through the payment chain; seek missing data and, if not obtained within three days, refrain from execution and inform ANIF.
- Preuves à conserver
- Message sample, exception workflow, request and ANIF notice.
- Source primaire
- CEMAC Regulation No. 02/24, Articles 36-38
Retain accountability for agents and outsourcing.
- Action d’implémentation
- Verify permissions, diligence providers, contract for security and record access, train agents, monitor performance and test retrieval.
- Preuves à conserver
- Due diligence, contract, training, monitoring and retrieval test.
- Source primaire
- CEMAC Regulation No. 04/18 and applicable COBAC rules
08Targeted financial sanctionsUse the current CEMAC sanctions framework and controlled national procedures.3 éléments+
Screen applicable UN, regional and national designations.
- Action d’implémentation
- Screen customers, beneficial owners, controllers, representatives and transactions at onboarding, list updates and before relevant execution.
- Preuves à conserver
- List inventory, update logs, screening configuration and dispositions.
- Source primaire
- CEMAC Regulation No. 04/24; UN Security Council Consolidated List
Freeze covered property without delay or prior notice.
- Action d’implémentation
- Prevent prohibited movement or availability of covered funds and economic resources and escalate immediately under the competent national process.
- Preuves à conserver
- Freeze procedure, timestamps, legal basis and authority communication.
- Source primaire
- CEMAC Regulation No. 04/24
Report and govern matches, false positives and release.
- Action d’implémentation
- Make required reports within the applicable 24-hour and quarterly periods, file an STR where required, and release only on documented lawful authority.
- Preuves à conserver
- Reports, ANIF receipt, match rationale, authority instruction and reconciliation.
- Source primaire
- CEMAC Regulation No. 04/24
09Records and regulator accessRecords must reconstruct the customer, ownership, transaction and decision.3 éléments+
Retain financial-institution CDD records for at least 10 years.
- Action d’implémentation
- Retain identification and relationship records for at least 10 years after account closure or relationship end, subject to longer legal holds.
- Preuves à conserver
- Schedule, configuration, archive sample and legal-hold log.
- Source primaire
- CEMAC Regulation No. 02/24, Article 39
Retain transaction records for at least 10 years.
- Action d’implémentation
- Preserve transaction, accounting, correspondence and special-examination records for at least 10 years after the transaction.
- Preuves à conserver
- Transaction reconstruction, storage control and retrieval test.
- Source primaire
- CEMAC Regulation No. 02/24, Articles 39-40 and 64
Respond securely to competent-authority requests.
- Action d’implémentation
- Authenticate requests, protect STR confidentiality, produce reproducibly and log scope, timing and receipt.
- Preuves à conserver
- Request, approval, production index and acknowledgement.
- Source primaire
- CEMAC Regulation No. 02/24, Articles 40 and 97
10Privacy, biometrics, and transfersChad's personal-data law applies alongside AML secrecy and retention duties.3 éléments+
Document a lawful, necessary and transparent basis for identity processing.
- Action d’implémentation
- Map purposes, data, notices, rights, recipients, security and retention under Law No. 007/PR/2015 and applicable AML secrecy rules.
- Preuves à conserver
- Data inventory, legal-basis assessment, notices and rights procedure.
- Source primaire
- Law No. 007/PR/2015 on personal-data protection
Apply enhanced safeguards to biometric and sensitive data.
- Action d’implémentation
- Minimise collection, restrict access, test security and document necessity and proportionality before biometric or sensitive-data use.
- Preuves à conserver
- Impact assessment, security tests, access controls and approval.
- Source primaire
- Law No. 007/PR/2015
Confirm ANSICE formalities, transfers and incident procedures before production use.
- Action d’implémentation
- Obtain current ANSICE instruments and instructions before configuring declarations, authorisations, international transfers or incident notices; do not invent a portal or deadline.
- Preuves à conserver
- Dated legal update, authority guidance and implemented procedure.
- Source primaire
- Laws No. 006/PR/2015, 007/PR/2015 and 009/PR/2015
11Practical evidence packsMaintain concise packs that reproduce decisions and support supervisory access.2 éléments+
Maintain a reconstructable onboarding pack.
- Action d’implémentation
- Bundle identity, KYB, beneficial ownership, screening, risk, approvals and exceptions under stable identifiers.
- Preuves à conserver
- Complete sampled onboarding pack.
- Source primaire
- Operational control supporting CEMAC Regulation No. 02/24
Maintain a reconstructable monitoring and reporting pack.
- Action d’implémentation
- Link transactions, alerts, analysis, approvals, reports and post-filing controls while protecting confidentiality.
- Preuves à conserver
- Complete sampled case pack and access log.
- Source primaire
- Operational control supporting CEMAC Regulation No. 02/24, Articles 105-110
Registre des sources primaires
12 sources utilisées pour cette checklist
Utilisez ces liens pour vérifier la législation, les lignes directrices, les procédures de déclaration et les statuts internationaux.
- CEMAC Regulation No. 02/24 - AML/CFT/CPF (English)GABAC · Primary regional regulation
- CEMAC Regulation No. 04/24 - targeted financial sanctionsGABAC · Primary regional regulation
- Chad enhanced follow-up report, March 2026GABAC · Authoritative country assessment
- Chad mutual evaluationGABAC · Authoritative country assessment
- Chad country assessment pageFATF · Authoritative country status
- FATF black and grey listsFATF · Authoritative current status
- ANIF Chad official siteANIF Chad · Official FIU guidance
- COBAC regulationsBEAC · Official banking supervisor materials
- CEMAC payment-system regulationsBEAC · Official central-bank materials
- Law No. 007/PR/2015 on personal-data protectionARCEP Chad · Primary national legislation portal
- Chad RCCM informationOHADA · Official company-registry materials
- United Nations Security Council consolidated sanctions listUnited Nations · Authoritative sanctions list
Réponses directes
Questions KYC, KYB et AML pour Tchad
Who receives suspicious transaction reports?+
The Agence Nationale d'Investigation Financiere (ANIF) of Chad.
When is an STR filed?+
Forthwith when the reporting entity knows, suspects or has good reason to suspect covered criminal proceeds or ML/TF/PF, including attempts. Telephone or electronic reports require written confirmation within 48 hours.
Is there an objective cash report?+
Yes. Article 18 covers cash transactions of CFA 5,000,000 or more, single or apparently linked, subject to its stated exceptions and continued enhanced scrutiny.
How is beneficial ownership determined?+
CDD follows ultimate controlling interest, control by other means and principal-manager fallback under Article 33. Register disclosure has a separate more-than-25% fallback under Article 77.
How long are financial-institution AML records retained?+
At least 10 years for customer records after closure or relationship end and for transaction records after the transaction under Article 39.
Is Chad on a FATF public list?+
It was not named on the FATF high-risk or increased-monitoring lists current at 19 June 2026. The 2023 GABAC evaluation and March 2026 follow-up nevertheless document material weaknesses requiring risk-sensitive controls.
Does personal-data law apply?+
Yes. Law No. 007/PR/2015 establishes Chad's personal-data framework, administered within ANSICE's statutory remit. Confirm current formalities, transfer and incident procedures before configuring production workflows.
Can a payment product launch without approval?+
No. Classify the product under current CEMAC, COBAC, BEAC and national rules and obtain every required approval before launch.
Méthode de recherche et de revue
VOVE ID Compliance Research cartographie le périmètre réglementaire, traduit les obligations en contrôles opérationnels, relie les affirmations importantes aux sources et date chaque revue.
General regulatory information, not legal advice or a licence determination. Reviewed as applicable on 19 August 2026. Confirm reporting-entity status, sector rules, current ANIF filing specifications, the operational beneficial-owner register, national sanctions machinery, ANSICE procedures and product licensing with the competent authority and qualified Chadian counsel before launch.