Pratical guide for EPNFDs on the implementation of AML/CFT/FP obligations

The fight against money laundering, terrorist financing, and proliferation financing (AML/CFT/PF) is a major challenge for the stability and integrity of the national financial system.

To this end, it is essential to mobilize the private sector, which is the most exposed to threats.

Designated Non-Financial Enterprises (DNEs) play a central role in the AML/CFT/PF framework, due to the services they offer and their interaction with clients. Indeed, the services and products offered by these institutions are most often exploited by individuals involved in illegal activities in order to conceal the true nature and origin of their illicit income.

The national legal framework designates DNEs as subject to AML/CFT/PF due diligence obligations, but their integration into the system remains limited. SAMIFIN, as the supervisory and regulatory authority for certain categories of non-financial corporations (NFCs), has developed this practical guide for professionals in these sectors.

This guide was created to provide an operational tool for the effective implementation of preventive measures stipulated by national regulations and international standards. It clearly and systematically presents best practices, legal obligations, and concrete procedures that each regulated entity must adopt to prevent and detect suspicious transactions.

The main objective of this guide is to strengthen the understanding and capacity of NFCs to manage AML/CFT/FT risks, while facilitating compliance with the monitoring and reporting requirements imposed by the national framework. It also serves as a reference for staff training, the development of internal policies, and the continuous improvement of internal control mechanisms. By using this guide, EPNFDs contribute not only to the protection of their own business, but also to the security of the national financial system and the country's reputation on the international stage.