Introduction:
 Recent years have witnessed
developments having considerable
effects on the financial sector,
including comprehensive and
coordinated efforts concerning
combating money laundry and
eliminating the activities of terrorist
financing; hereunder are the initiatives
adopted by the Saudi government in
response to international developments
which included legislative and
procedural measures:
• Saudi Arabia is a participant member
of Financial Action Task Forces
(FATF) as a member of Gulf
Cotransaction Council (GCC), and
attends the relevant meetings
regularly.
• Saudi Arabia is a participant member
of Middle East –North Africa MENA
(FATF), and attends the relevant
meetings regularly.
• The kingdom of Saudi Arabia ratified
Vienna convention of 1988
concerning the combat of illegal
trade of Narcotic drugs and mental
influencers.
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: ‫ﻣﻘﺪﻣﺔ‬
‫ﺷ ﮭﺪت اﻟ ﺴﻨﻮات اﻷﺧﯿ ﺮة ﺗﻄ ﻮرات ﻟﮭ ﺎ‬
‫اﻧﻌﻜﺎﺳ ﺎت ﻛﺒﯿ ﺮة ﻋﻠ ﻰ اﻟﻘﻄ ﺎع اﻟﻤ ﺎﻟﻲ‬
‫واﻟﺘﻲ ﺗﻀﻤﻨﺖ ﺟﮭﻮداً ﺷﺎﻣﻠﺔ وﻣﻨ ﺴﻘﺔ ﻓ ﻲ‬
‫ﻣﺠ ﺎل ﻣﻜﺎﻓﺤ ﺔ ﻏ ﺴﻞ اﻷﻣ ﻮال واﻟﻘ ﻀﺎء‬
‫وﻓﯿﻤﺎ ﯾﻠﻲ‬، ‫ﻋﻠﻰ ﻧﺸﺎﻃﺎت ﺗﻤﻮﯾﻞ اﻹرھﺎب‬
‫اﻟﻤﺒ ﺎدرات اﻟﺘ ﻲ اﺗﺨ ﺬﺗﮭﺎ ﺣﻜﻮﻣ ﺔ اﻟﻤﻤﻠﻜ ﺔ‬
‫اﻟﻌﺮﺑﯿ ﺔ اﻟ ﺴﻌﻮدﯾﺔ اﺳ ﺘﺠﺎﺑﺔ ﻟﻠﺘﻄ ﻮرات‬
‫اﻟﺪوﻟﯿ ﺔ واﻟﺘ ﻲ ﺗ ﻀﻤﻨﺖ ﺗ ﺪاﺑﯿﺮ ﺗ ﺸﺮﯾﻌﯿﺔ‬
:‫وإﺟﺮاﺋﯿﺔ‬
‫• ﺗ ﺸﺎرك اﻟﻤﻤﻠﻜ ﺔ اﻟﻌﺮﺑﯿ ﺔ اﻟ ﺴﻌﻮدﯾﺔ‬
‫ﻛﻌ ﻀﻮ ﻓ ﻲ ﻓﺮﯾ ﻖ اﻟﻌﻤ ﻞ اﻟﻤ ﺎﻟﻲ‬
‫( ﻣﻦ ﺧﻼل ﻋﻀﻮﯾﺔ ﻣﺠﻠﺲ‬FATF)
‫اﻟﺘﻌﺎون اﻟﺨﻠﯿﺠﻲ وﺗﺤﻀﺮ اﺟﺘﻤﺎﻋﺎت‬
. ‫ھﺬا اﻟﻔﺮﯾﻖ ﺑﺎﻧﺘﻈﺎم‬
‫• ﺗ ﺸﺎرك اﻟﻤﻤﻠﻜ ﺔ اﻟﻌﺮﺑﯿ ﺔ اﻟ ﺴﻌﻮدﯾﺔ‬
‫ﻛﻌ ﻀﻮ ﻓ ﻲ ﻓﺮﯾ ﻖ اﻟﻌﻤ ﻞ اﻟﻤ ﺎﻟﻲ‬
‫ﻟﻠ ﺸﺮق اﻷوﺳ ﻂ وﺷ ﻤﺎل أﻓﺮﯾﻘﯿ ﺎ‬
‫( وﺗﺤ ﻀﺮ‬MENA FATF)
. ‫اﺟﺘﻤﺎﻋﺎت ھﺬا اﻟﻔﺮﯾﻖ ﺑﺎﻧﺘﻈﺎم‬
‫• ﺻ ﺎدﻗﺖ اﻟﻤﻤﻠﻜ ﺔ ﻋﻠ ﻰ اﺗﻔﺎﻗﯿ ﺔ ﻓﯿﯿﻨ ﺎ‬
‫م ﻟﻤﻜﺎﻓﺤ ﺔ اﻻﺗﺠ ﺎر ﻏﯿ ﺮ‬١٩٨٨ ‫ﻟﻌ ﺎم‬
‫اﻟﻤﺸﺮوع ﻓﻲ اﻟﻤﺨ ﺪرات واﻟﻤ ﺆﺛﺮات‬
. ‫اﻟﻌﻘﻠﯿﺔ‬
 • The kingdom of Saudi Arabia ratified
  The Arabian Anti-Terrorism
Convention of 1988.
• The kingdom of Saudi Arabia ratified
The Islamic Conference
Organization Anti-Terrorism Treaty
of 1999.
• The kingdom of Saudi Arabia
implemented the requirements of
Security Council resolutions no.
(1267-1333-1368-1373-1390-1455-
1456) concerning the combat of
financing terrorist activities.
• The kingdom of Saudi Arabia ratified
The International Convention of
Terrorist Financing Suppression
(Security Council resolution no.
1373)
• The kingdom of Saudi Arabia has
enacted the Anti-Money Laundry
Law under Royal decree no. M/39
dated 25/6/1424 H, enacting the
executive bylaw thereof, as
pursuant to this regulation; the
Saudi Arabian Financial Intelligence
Unit (SAFIU) has been associated.
Financial Intelligence Unit.
Financial Intelligence Unit has been
associated to be responsible for
2
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‫• ﺻﺎدﻗﺖ اﻟﻤﻤﻠﻜﺔ ﻋﻠﻰ اﻻﺗﻔﺎﻗﯿﺔ اﻟﻌﺮﺑﯿ ﺔ‬
. ‫م‬١٩٩٨ ‫ﻟﻤﻜﺎﻓﺤﺔ اﻹرھﺎب ﻟﻌﺎم‬
‫• ﺻﺎدﻗﺖ اﻟﻤﻤﻠﻜﺔ ﻋﻠﻰ ﻣﻌﺎھﺪة ﻣﻨﻈﻤﺔ‬
‫اﻟﻤﺆﺗﻤﺮ اﻹﺳﻼﻣﻲ ﻟﻤﻜﺎﻓﺤﺔ اﻹرھﺎب‬
. ‫م‬١٩٩٩ ‫ﻟﻌﺎم‬
‫• ﻃﺒﻘ ﺖ اﻟﻤﻤﻠﻜ ﺔ ﻣﺘﻄﻠﺒ ﺎت ﻗ ﺮارات‬
‫ﻣﺠﻠﺲ اﻷﻣﻦ اﻟﻤُﺘﻌﻠﻘﺔ ﺑﻤﻜﺎﻓﺤﺔ ﺗﻤﻮﯾﻞ‬
‫اﻟﻨ ﺸﺎﻃﺎت اﻹرھﺎﺑﯿ ﺔ ذات اﻷرﻗ ﺎم‬
-١٣٧٣-١٣٦٨-١٣٣٣-١٢٦٧ )
. (١٤٥٦-١٤٥٥-١٣٩٠
‫• ﺻ ﺎدﻗﺖ اﻟﻤﻤﻠﻜ ﺔ ﻋﻠ ﻰ اﻻﺗﻔﺎﻗﯿ ﺔ‬
‫اﻟﺪوﻟﯿﺔ ﻟﻘﻤﻊ ﺗﻤﻮﯾ ﻞ اﻹرھ ﺎب )ﻗ ﺮار‬
.(١٣٧٣ ‫ﻣﺠﻠﺲ اﻷﻣﻦ رﻗﻢ‬
‫• أﺻ ﺪرت اﻟﻤﻤﻠﻜ ﺔ ﻧﻈ ـﺎم ﻣﻜ ـﺎﻓﺤﺔ‬
‫ﻏﺴـﻞ اﻷﻣﻮال ﺑﺎﻟﻤﺮﺳﻮم اﻟﻤﻠﻜﻲ رﻗﻢ‬
، ‫ھ ـ‬١٤٢٤/٦/٢٥ ‫ وﺗ ﺎرﯾﺦ‬٣٩/‫م‬
‫وﺻ ﺪرت اﻟﻼﺋﺤ ﺔ اﻟﺘﻨﻔﯿﺬﯾ ﺔ ﻟﮭ ﺬا‬
‫اﻟﻨﻈ ﺎم وﺑﻤﻮﺟ ﺐ ھ ﺬا اﻟﻨﻈ ﺎم أﻧ ﺸﺄت‬
‫وﺣ ﺪة اﻟﺘﺤﺮﯾ ﺎت اﻟﻤﺎﻟﯿ ﺔ ﺑﺎﻟﻤﻤﻠﻜ ﺔ‬
. ‫اﻟﻌﺮﺑﯿﺔ اﻟﺴﻌﻮدﯾﺔ‬
‫وﺣﺪة اﻟﺘﺤﺮﯾﺎت اﻟﻤﺎﻟﯿﺔ‬
‫أُﻧﺸﺄت وﺣ ﺪة اﻟﺘﺤﺮﯾ ﺎت اﻟﻤﺎﻟﯿ ﺔ وﻣ ﻦ‬
‫ﻣ ﺴﺌﻮﻟﯿﺎﺗﮭﺎ ﺗﻠﻘ ﻲ اﻟﺒﻼﻏ ﺎت وﺗﺤﻠﯿﻠﮭ ﺎ‬
‫وإﻋ ﺪاد اﻟﺘﻘ ﺎرﯾﺮ ﻋ ﻦ اﻟﻤﻌ ﺎﻣﻼت‬
‫اﻟﻤ ﺸﺒﻮھﺔ ﻓ ﻲ ﺟﻤﯿ ﻊ اﻟﻤﺆﺳ ﺴﺎت‬
 receiving & analyzing reports and
 preparing reports of suspicious
transactions in all financial and non-
financial organizations. The executive
bylaw of article 11 of anti-Money
Laundry Law included the assignments
thereof as follows:
A. Receiving reports coming from
financial and non-financial
organizations, other governmental
authorities and individuals,
concerning transactions suspected
to be money laundry crimes.
B. Developing a database provided
with all reports and data of money
laundry, updating this database
periodically, preserving its
confidentiality and providing its
access to relevant authorities.
C. Requesting and exchanging data
with relevant authorities; taking
necessary measures of anti-money
laundry.
D. Requesting and exchanging data
with other financial intelligence
units, concerning anti-money
laundry.
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‫اﻟﻤﺎﻟﯿ ﺔ وﻏﯿ ﺮ اﻟﻤﺎﻟﯿ ﺔ وﻗ ﺪ ﺗ ﻀﻤﻨﺖ‬
‫اﻟﻼﺋﺤﺔ اﻟﺘﻨﻔﯿﺬﯾﺔ ﻟﻠﻤﺎدة اﻟﺤﺎدﯾﺔ ﻋ ﺸﺮ‬
‫ﻣ ﻦ ﻧﻈ ﺎم ﻣﻜﺎﻓﺤ ﺔ ﻏ ﺴﻞ اﻷﻣ ﻮال‬
:‫اﺧﺘﺼﺎﺻﺎﺗﮭﺎ وﻓﻘﺎً ﻟﻤﺎ ﯾﻠﻲ‬
‫ ﺗﻠﻘ ﻲ اﻟﺒﻼﻏ ﺎت اﻟ ﻮاردة ﻣ ﻦ‬-‫أ‬
‫اﻟﻤﺆﺳ ﺴﺎت اﻟﻤﺎﻟﯿ ﺔ وﻏﯿ ﺮ اﻟﻤﺎﻟﯿ ﺔ‬
‫واﻟﺠﮭ ﺎت اﻟﺤﻜﻮﻣﯿ ﺔ اﻷﺧ ﺮى‬
‫واﻷﻓﺮاد ﻋﻦ اﻟﻌﻤﻠﯿﺎت اﻟﺘﻲ ﯾ ﺸﺘﺒﮫ‬
. ‫ﻓﻲ أﻧﮭﺎ ﺟﺮﯾﻤﺔ ﻏﺴﻞ أﻣﻮال‬
‫ إﻧ ﺸﺎءُ ﻗﺎﻋ ﺪة ﺑﯿﺎﻧ ﺎت ﺗُ ﺰود ﺑﻜﺎﻓ ﺔ‬-‫ب‬
‫اﻟﺒﻼﻏ ﺎت واﻟﻤﻌﻠﻮﻣ ﺎت اﻟﺨﺎﺻ ﺔ‬
‫ﺑﻐ ﺴﻞ اﻷﻣ ﻮال وﯾ ﺘﻢ ﺗﺤ ﺪﯾﺚ ھ ﺬه‬
‫اﻟﻘﺎﻋ ﺪة ﺗﺒﺎﻋ ﺎً ﻣ ﻊ اﻟﻤﺤﺎﻓﻈ ﺔ ﻋﻠ ﻰ‬
‫ﺳ ﺮﯾﺘﮭﺎ وإِﺗﺎﺣﺘُﮭ ﺎ ﻟﻠ ﺴﻠﻄﺎت ذات‬
. ‫اﻟﻌﻼﻗﺔ‬
‫ ﻃﻠ ﺐ وﺗﺒ ﺎدل اﻟﻤﻌﻠﻮﻣ ﺎت ﻣ ﻊ‬-‫ج‬
‫اﻟﺠﮭ ﺎت ذات اﻟﻌﻼﻗ ﺔ واﺗﺨ ﺎذ ﻣ ﺎ‬
‫ﯾﻠﺰم ﻣﻦ إﺟﺮاءات ﺑ ﺼﺪد ﻣﻜﺎﻓﺤ ﺔ‬
.‫ﻏﺴﻞ اﻷﻣﻮال‬
‫ ﻃﻠ ﺐ وﺗﺒ ﺎدل اﻟﻤﻌﻠﻮﻣ ﺎت ﻣ ﻊ‬-‫د‬
‫وﺣﺪات اﻟﺘﺤﺮﯾﺎت اﻟﻤﺎﻟﯿﺔ اﻷﺧ ﺮى‬
‫ﻓﯿﻤ ﺎ ﯾﺘﻌﻠ ﻖ ﺑﻤﻜﺎﻓﺤ ﺔ ﻏ ﺴﻞ‬
.‫اﻷﻣﻮال‬

 E. Preparing forms used for informing
financial and non-financial
organizations, of the transactions
suspected to be money laundry,
including helpful data for
information collection, analysis,
investigation, registry in database
and processing updates if
necessary.
F. Collecting & Analyzing data about
the reports of transactions
suspected to be money laundry;
and the unit may seek assistance
from the experts and the
specialists of relevant authorities.
G. Financial Intelligence Unit will do
field investigation and search, as it
may request the same from the
security authorities of investigation
and search in MOI sectors. When
there is enough evidence that
reported transactions are related
to money laundry, they will be
referred to relevant investigation
authorities; preparing a detailed
report about the evidenced crime,
committers thereof, and evidence
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‫ إﻋ ﺪاد اﻟﻨﻤ ﺎذج اﻟﺘ ﻲ ﺗ ﺴﺘﺨﺪم ﻓ ﻲ‬-‫ھـ‬
‫إﺑ ﻼغ اﻟﻤﺆﺳ ﺴﺎت اﻟﻤﺎﻟﯿ ﺔ وﻏﯿ ﺮ‬
‫اﻟﻤﺎﻟﯿ ﺔ ﻋ ﻦ اﻟﻌﻤﻠﯿ ﺎت اﻟﺘ ﻲ ﯾ ﺸﺘﺒﮫ‬
‫ وﺗ ﺸﺘﻤﻞ‬، ‫ﻓ ﻲ أﻧﮭ ﺎ ﻏ ﺴﻞ أﻣ ﻮال‬
‫ﻋﻠ ﻰ ﺑﯿﺎﻧ ﺎت ﺗُﻌﯿﻨﮭ ﺎ ﻋﻠ ﻰ اﻟﻘﯿ ﺎم‬
‫ﺑﺄﻋﻤﺎل ﺟﻤﻊ اﻟﻤﻌﻠﻮﻣ ﺎت واﻟﺘﺤﻠﯿ ﻞ‬
‫واﻟﺘﺤ ﺮي واﻟﺘ ﺴﺠﯿﻞ ﻓ ﻲ ﻗﺎﻋ ﺪة‬
‫اﻟﺒﯿﺎﻧ ﺎت وﺗﺤ ﺪﯾﺜﮭﺎ إذا اﻗﺘ ﻀﻰ‬
. ‫اﻷﻣﺮ‬
‫ اﻟﻘﯿﺎم ﺑﺠﻤﻊ اﻟﻤﻌﻠﻮﻣﺎت ﻋﻦ ﻣﺎ ﯾﺮد‬-‫و‬
‫إﻟﯿﮭ ﺎ ﻣ ﻦ ﺑﻼﻏ ﺎت ﺑ ﺸﺄن اﻟﻌﻤﻠﯿ ﺎت‬
‫اﻟﺘﻲ ﯾﺸﺘﺒﮫ ﻓﻲ أﻧﮭﺎ ﻏﺴﻞ ﻟﻸﻣ ﻮال‬
‫ وﻟﻠﻮﺣﺪة اﻻﺳﺘﻌﺎﻧﺔ ﺑﻤﻦ‬، ‫وﺗﺤﻠﯿﻠﮭﺎ‬
‫ﺗﺮاه ﻣﻦ اﻟﺨﺒﺮاء واﻟﻤﺨﺘ ﺼﯿﻦ ﻣ ﻦ‬
. ‫اﻟﺠﮭﺎت ذات اﻟﻌﻼﻗﺔ‬
‫ ﺗﻘﻮم وﺣﺪة اﻟﺘﺤﺮﯾ ﺎت اﻟﻤﺎﻟﯿ ﺔ ﺑﺎﻟﺒﺤ ﺚ‬-‫ز‬
‫واﻟﺘﺤ ﺮي اﻟﻤﯿ ﺪاﻧﻲ وﻟﮭ ﺎ أن ﺗﻄﻠ ﺐ‬
‫ذﻟ ﻚ ﻣ ﻦ اﻟﺠﮭ ﺎت اﻷﻣﻨﯿ ﺔ ﺑﺎﻟﺒﺤ ﺚ‬
‫واﻟﺘﺤ ﺮي ﺑﻘﻄﺎﻋ ﺎت وزارة اﻟﺪاﺧﻠﯿ ﺔ‬
‫وﻋﻨ ﺪ ﻗﯿ ﺎم اﻟ ﺪﻻﺋﻞ اﻟﻜﺎﻓﯿ ﺔ ﺑ ﺄن‬
‫اﻟﻌﻤﻠﯿ ﺎت اﻟ ﻮاردة ﻓ ﻲ اﻟ ﺒﻼغ ﻟﮭ ﺎ‬
‫ﻋﻼﻗ ﺔ ﺑﻐ ﺴﻞ اﻷﻣ ﻮال ﺗﻘ ﻮم ﺑﺈﺣﺎﻟﺘﮭ ﺎ‬
‫ﻟﻠﺠﮭ ﺔ اﻟﻤﺨﺘ ﺼﺔ ﺑ ﺎﻟﺘﺤﻘﯿﻖ ﻣ ﻊ إﻋ ﺪاد‬
‫ﺗﻘﺮﯾ ﺮ ﻣﻔ ﺼﻞ ﯾﺘ ﻀﻤﻦ ﺑﯿﺎﻧ ﺎت ﻛﺎﻓﯿ ﺔ‬
‫ﻋﻦ اﻟﺠﺮﯾﻤﺔ اﻟﺘﻲ ﻗﺎﻣﺖ اﻟﺪﻻﺋﻞ ﻋﻠ ﻰ‬
‫ارﺗﻜﺒﮭ ﺎ وﻋ ﻦ ﻣﺮﺗﻜﺒﯿﮭ ﺎ وﻣﺎھﯿ ﺔ ھ ﺬه‬
‫اﻟ ﺪﻻﺋﻞ ﻣ ﺸﻔﻮﻋﺎً ﺑ ﺎﻟﺮأي وﻣﺮﻓ ﻖ ﺑ ﮫ‬
‫ﻛﺎﻓ ﺔ اﻟﻮﺛ ﺎﺋﻖ واﻟﻤ ﺴﺘﻨﺪات‬
.‫واﻟﻤﻌﻠﻮﻣﺎت ذات اﻟﺼﻠﺔ‬
 reality; attaching relevant
  information, and documentary.
H. Requesting Investigation &
Prosecution Authority to do
reservation hold of funds,
properties and media related to
money laundry crime.
I. Handling the reports analyzed and
proved to have no evidence or
suspicion of committing any
actions stated in article 2 of the
law.
J. Coordinating with the authorities
controlling financial and non-
financial organizations to procure
sufficient media to assure their
compliance with laws, bylaws and
regulations enacted for combating
money laundry.
K. Participating in the preparation of
awareness programs about anti-
money laundry, coordinating with
the permanent committee of anti-
money laundry.
L. Submitting necessary recommend-
ations of the difficulties and the
suggestions about anti-money
laundry; to the permanent
committee of anti-money laundry.
5
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‫ اﻟﻄﻠﺐ ﻣﻦ ھﯿﺌﺔ اﻟﺘﺤﻘﯿﻖ واﻹدﻋ ﺎء‬-‫ح‬
‫اﻟﻌﺎم اﻟﻘﯿﺎم ﺑﺎﻟﺤﺠﺰ اﻟﺘﺤﻔﻈﻲ ﻋﻠ ﻰ‬
‫اﻷﻣ ﻮال واﻟﻤﻤﺘﻠﻜ ﺎت واﻟﻮﺳ ﺎﺋﻂ‬
.‫اﻟﻤﺮﺗﺒﻄﺔ ﺑﺠﺮﯾﻤﺔ ﻏﺴﻞ اﻷﻣﻮال‬
‫ اﻟﺘﺼﺮف ﻓﻲ اﻟﺒﻼﻏﺎت اﻟﺘﻲ ﯾﺴﻔﺮ‬-‫ط‬
‫اﻟﺘﺤﻠﯿ ﻞ ﺑ ﺸﺄﻧﮭﺎ ﻋ ﻦ ﻋ ﺪم ﻗﯿ ﺎم‬
‫اﻟﺪﻻﺋﻞ أو اﻟ ﺸﺒﮭﺎت ﻋﻠ ﻰ ارﺗﻜ ﺎب‬
‫أي ﻣﻦ اﻷﻓﻌﺎل اﻟﻤﻨ ﺼﻮص ﻋﻠﯿﮭ ﺎ‬
. ‫ﻓﻲ اﻟﻤﺎدة اﻟﺜﺎﻧﯿﺔ ﻣﻦ اﻟﻨﻈﺎم‬
‫ اﻟﺘﻨﺴﯿﻖ ﻣﻊ اﻟﺠﮭﺎت اﻟﺮﻗﺎﺑﯿ ﺔ ﻋﻠ ﻰ‬-‫ي‬
‫اﻟﻤﺆﺳ ﺴﺎت اﻟﻤﺎﻟﯿ ﺔ وﻏﯿ ﺮ اﻟﻤﺎﻟﯿ ﺔ‬
‫ﻟﺘﮭﯿﺌﺔ اﻟﻮﺳﺎﺋﻞ اﻟﻜﻔﯿﻠﺔ ﺑﺎﻟﺘﺤﻘﻖ ﻣﻦ‬
‫اﻟﺘ ﺰام ﺗﻠ ﻚ اﻟﻤﺆﺳ ﺴﺎت ﺑﺎﻷﻧﻈﻤ ﺔ‬
‫واﻟﻠ ﻮاﺋﺢ واﻟﺘﻌﻠﯿﻤ ﺎت اﻟﻤﻘ ﺮرة‬
. ‫ﻟﻤﻜﺎﻓﺤﺔ ﻏﺴﻞ اﻷﻣﻮال‬
‫ اﻟﻤ ﺸﺎرﻛﺔ ﻓ ﻲ إﻋ ﺪاد ﺑ ﺮاﻣﺞ‬-‫ك‬
‫ﺗﻮﻋﻮﯾ ﺔ ﺑ ﺸﺄن ﻣﻜﺎﻓﺤ ﺔ ﻏ ﺴﻞ‬
‫اﻷﻣ ﻮال ﺑﺎﻟﺘﻨ ﺴﯿﻖ ﻣ ﻊ اﻟﻠﺠﻨ ﺔ‬
. ‫اﻟﺪاﺋﻤﺔ ﻟﻤﻜﺎﻓﺤﺔ ﻏﺴﻞ اﻷﻣﻮال‬
‫ رﻓ ﻊ اﻟﺘﻮﺻ ﯿﺎت اﻟﻼزﻣ ﺔ ﻟﻠﺠﻨ ﺔ‬-‫ل‬
‫اﻟﺪاﺋﻤ ﺔ ﻟﻤﻜﺎﻓﺤ ﺔ ﻏ ﺴﻞ اﻷﻣ ﻮال‬
‫ﺣﻮل اﻟﺼﻌﻮﺑﺎت واﻟﻤﻘﺘﺮﺣﺎت ﻓ ﻲ‬
. ‫ﻣﺠﺎل ﻣﻜﺎﻓﺤﺔ ﻏﺴﻞ اﻷﻣﻮال‬
‫ ﯾﺠ ﻮز ﻟﻮﺣ ﺪة اﻟﺘﺤﺮﯾ ﺎت اﻟﻤﺎﻟﯿ ﺔ‬-‫م‬
‫اﻟ ﺪﺧﻮل ﻓ ﻲ ﻣ ﺬﻛﺮات ﺗﻔ ﺎھﻢ ﻣ ﻊ‬
 M. Financial Intelligence Unit may enter
  into Memoranda of understanding
with other financial intelligence units
pursuant to applicable regulations
and procedures.
Guidebook Objective :
• Providing Instruments for helping
both financial and non - financial
organizations to combat money
laundry and terrorist financing.
• Complying with the contents of Anti-
Money Laundry law agreed upon
under Board of Ministers resolution
no. 167 dated 20/6/1424 H,
certified by Royal decree no. M/39
dated 25/6/1424 H; and the
executive bylaw thereof enacted
under Minister of Interior Royal
circular no. 19/46391/2SH dated
1/8/1426 H.
• Highlighting the role of Financial
Intelligence Unit as a national
database centre to receive, analyze
and issue reports about suspicious
transactions related to the combat of
money laundry and terrorist financing.
• Enlightening the employees of both
financial & non-financial organizations,
concerning the combat of money
laundry and terrorist financing.
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‫وﺣﺪات اﻟﺘﺤﺮﯾﺎت اﻟﻤﺎﻟﯿﺔ اﻷﺧ ﺮى‬
‫وﻓﻘ ﺎً ﻟﻸﻧﻈﻤ ﺔ واﻹﺟ ﺮاءات‬
. ‫اﻟﻤﺮﻋﯿﺔ‬
: ‫اﻟﮭﺪف ﻣﻦ اﻟﺪﻟﯿﻞ‬
‫ وﺟ ﻮد أدوات ﺗ ﺴﺎﻋﺪ اﻟﻤﺆﺳ ﺴﺎت‬Ÿ
‫اﻟﻤﺎﻟﯿ ﺔ وﻏﯿ ﺮ اﻟﻤﺎﻟﯿ ﺔ ﻟﻤﻜﺎﻓﺤ ﺔ ﻏ ﺴﻞ‬
. ‫اﻷﻣﻮال وﺗﻤﻮﯾﻞ اﻹرھـﺎب‬
‫اﻻﻟﺘ ﺰام ﺑﻤ ﺎ ورد ﺑﻨﻈ ـﺎم ﻣﻜ ـﺎﻓﺤﺔ‬ Ÿ
‫ﻏ ﺴـﻞ اﻷﻣ ﻮال اﻟﻤﻮاﻓ ﻖ ﻋﻠﯿ ﮫ ﺑﻘ ﺮار‬
‫ وﺗ ﺎرﯾﺦ‬١٦٧ ‫ﻣﺠﻠ ﺲ اﻟ ﻮزراء رﻗ ﻢ‬
‫ھ ـ واﻟﻤ ﺼﺎدق ﻋﻠﯿ ﮫ‬١٤٢٤/٠٦/٢٠
‫ وﺗ ﺎرﯾﺦ‬٣٩/‫ﺑﺎﻟﻤﺮﺳﻮم اﻟﻤﻠﻜﻲ رﻗ ﻢ م‬
‫ واﻟﻼﺋﺤ ﺔ‬، ‫ھ ـ‬١٤٢٤/٠٦/٢٥
‫اﻟﺘﻨﻔﯿﺬﯾ ﺔ ﻟﻠﻨﻈ ﺎم اﻟ ﺼﺎدرة ﺑﺘﻌﻤ ﯿﻢ‬
‫ﺻﺎﺣﺐ اﻟﺴﻤﻮ اﻟﻤﻠﻜﻲ وزﯾﺮ اﻟﺪاﺧﻠﯿﺔ‬
‫ش وﺗ ﺎرﯾﺦ‬٢/٤٦٣٩١/١٩ ‫رﻗ ﻢ‬
. ‫ھـ‬١٤٢٦/٠٨/٠١
‫ﺗﻮﺿﯿﺢ وإﺑﺮاز دور وﺣﺪة اﻟﺘﺤﺮﯾﺎت‬ Ÿ
‫اﻟﻤﺎﻟﯿ ﺔ ﻛﻤﺮﻛ ﺰ وﻃﻨ ﻲ ﻟﻘﻮاﻋ ﺪ‬
‫اﻟﻤﻌﻠﻮﻣ ﺎت ﻟﺘﻠﻘ ﻲ وﺗﺤﻠﯿ ﻞ وﺗﻮﺟﯿ ﮫ‬
‫ﺗﻘﺎرﯾﺮ اﻟﻌﻤﻠﯿﺎت اﻟﻤﺸﺒﻮھﺔ ﻓﻲ ﻣﺠ ﺎل‬
‫ﻣﻜﺎﻓﺤ ﺔ ﻏ ﺴﻞ اﻷﻣ ﻮال وﺗﻤﻮﯾ ﻞ‬
. ‫اﻹرھﺎب‬
‫ﺗﻮﻋﯿ ﺔ اﻟﻌ ﺎﻣﻠﯿﻦ ﻓ ﻲ اﻟﻤﺆﺳ ﺴﺎت‬ Ÿ
‫اﻟﻤﺎﻟﯿ ﺔ وﻏﯿ ﺮ اﻟﻤﺎﻟﯿ ﺔ ﻋ ﻦ ﻣﻜﺎﻓﺤ ﺔ‬
.‫ﻏﺴﻞ اﻷﻣﻮال وﺗﻤﻮﯾﻞ اﻹرھﺎب‬
 Money Laundry :
 Committing or starting any act,
intending to conceal or manipulate the
original reality of any funds acquired in
violation to legislation or regulation
and making them seem to be originally
legal. This action is an attempt to
confer legality to funds made of
criminal or illegal activities, according
the content of article (2/3) of the
executive bylaw of Anti-Money Laundry
Law; which considered terrorist
financing and terrorism acts within the
crime of money laundry, even if such
funds were made of legal sources.
Phases of Money Laundry :
1) Deposit
2) Coverage
3) Amalgamation
1) Deposit
Deposit process includes actual entry
of cash money
or illegally obtained funds to financial
and non-financial organizations. This
process is done through cash deposits
and the purchase of financial
instruments in cash; using foreign
currency exchange, via financial
securities brokers, insurances, and the
7
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: ‫ﻏﺴﻞ اﻷﻣﻮال‬
‫ھ ﻮ ارﺗﻜ ﺎب أي ﻓﻌ ﻞ أو اﻟ ﺸﺮوع ﻓﯿ ﮫ‬
‫ﯾﻘ ﺼﺪ ﻣ ﻦ وراﺋ ﮫ إﺧﻔ ﺎء أو ﺗﻤﻮﯾ ﮫ أﺻ ﻞ‬
‫ﺣﻘﯿﻘ ﺔ أﻣ ﻮال ﻣﻜﺘ ﺴﺒﺔ ﺧﻼﻓ ﺎً ﻟﻠ ﺸﺮع أو‬
‫اﻟﻨﻈ ﺎم وﺟﻌﻠﮭ ﺎ ﺗﺒ ﺪو ﻛﺄﻧﮭ ﺎ ﻣ ﺸﺮوﻋﺔ‬
‫ وھ ﻮ ﺑ ﺬﻟﻚ ﻣﺤﺎوﻟ ﺔ ﻹﺿ ﻔﺎء‬، ‫اﻟﻤ ﺼﺪر‬
‫اﻟﻤ ﺸﺮوﻋﯿﺔ ﻋﻠ ﻰ اﻷﻣ ﻮال اﻟﻤﺘﺄﺗﯿ ﺔ ﻣ ﻦ‬
ً‫اﻷﻧﺸﻄﺔ اﻹﺟﺮاﻣﯿﺔ أو ﻏﯿﺮ اﻟﻨﻈﺎﻣﯿﺔ وﻓﻘ ﺎ‬
‫( ﻣ ﻦ اﻟﻼﺋﺤ ﺔ‬٣/٢) ‫ﻟﻤ ﺎ ورد ﻓ ﻲ اﻟﻤ ﺎدة‬
،‫اﻟﺘﻨﻔﯿﺬﯾ ﺔ ﻟﻨﻈ ﺎم ﻣﻜﺎﻓﺤ ﺔ ﻏ ﺴﻞ اﻷﻣ ﻮال‬
‫ﻛﻤ ﺎ أﻋﺘﺒ ﺮ ﻧﻈ ﺎم ﻣﻜﺎﻓﺤ ﺔ ﻏ ﺴﻞ اﻷﻣ ﻮال‬
‫وﺗﻤﻮﯾ ﻞ اﻹرھ ﺎب واﻷﻋﻤ ﺎل اﻹرھﺎﺑﯿ ﺔ‬
‫واﻟﻤﻨﻈﻤﺎت اﻹرھﺎﺑﯿﺔ ﺿﻤﻦ ﺟﺮﯾﻤﺔ ﻏﺴﻞ‬
‫اﻷﻣ ﻮال وإن ﻛﺎﻧ ﺖ اﻷﻣ ﻮال ﻣﺘﺄﺗﯿ ﺔ ﻣ ﻦ‬
.‫ﻣﺼﺎدر ﻣﺸﺮوﻋﺔ‬
:‫ﻣﺮاﺣﻞ ﻋﻤﻠﯿﺔ ﻏﺴﻞ اﻷﻣﻮال‬
‫( اﻹﯾﺪاع‬١
‫( اﻟﺘﻐﻄﯿﺔ‬٢
‫( اﻟﺪﻣﺞ‬٣
‫( اﻹﯾﺪاع‬١
‫ﺗﺘﻀﻤﻦ ﻋﻤﻠﯿﺔ اﻹﯾﺪاع اﻹدﺧﺎل اﻟﻔﻌﻠﻲ‬
‫ﻟﻤﺒﻠ ﻎ ﻧﻘ ﺪي أو أﻣ ﻮال ﺗ ﻢ اﻟﺤ ﺼﻮل‬
‫ﻋﻠﯿﮭﺎ ﺑﻄﺮﯾﻘﺔ ﻏﯿﺮ ﻣ ﺸﺮوﻋﺔ أو ﻏﯿ ﺮ‬
‫ﻧﻈﺎﻣﯿﺔ إﻟﻰ اﻟﻤﺆﺳ ﺴﺎت اﻟﻤﺎﻟﯿ ﺔ وﻏﯿ ﺮ‬
‫ وﺗ ﺘﻢ ھ ﺬه اﻟﻌﻤﻠﯿ ﺔ ﻣ ﻦ ﺧ ﻼل‬،‫اﻟﻤﺎﻟﯿ ﺔ‬
‫إﯾ ﺪاﻋﺎت ﻧﻘﺪﯾ ﺔ وﺷ ﺮاء أدوات ﻣﺎﻟﯿ ﺔ‬
‫ واﺳ ﺘﺨﺪام ﺗ ﺪاول اﻟﻌﻤ ﻼت‬،‫ﻧﻘ ﺪا‬
‫ وﻋ ﻦ ﻃﺮﯾ ﻖ وﺳ ﻄﺎء‬،‫اﻷﺟﻨﺒﯿ ﺔ‬
،‫ وﻋﻤﻠﯿ ﺎت اﻟﺘ ﺄﻣﯿﻦ‬،‫اﻷوراق اﻟﻤﺎﻟﯿ ﺔ‬
‫وﺷ ﺮاء اﻟ ﺬھﺐ واﻟﻤﺠ ﻮھﺮات‬
 purchase of jewelry and fine metals,
 real-estates, vehicles and other
commodities.
2) Coverage
In this process, the suspect seeks to
separate fund from their source
through a number of complicated
transactions, including purchases and
cancellations or early assignment of
annual revenues during the transition
period which seems beyond control, or
loans guaranteed by other loans or
remittances or forfeited credit letters,
or investment plans, or false trade, or
the placement of a big deposit
composed of smaller deposits in
various places, aiming at delaying audit
and causing difficulty in tracking the
revenues of illegal activities by the
official implementing the law.
3) Amalgamation
In amalgamation phase, a seemingly
legal explanation is provided for the
wealth of the suspected of money
laundry. This is done through various
programs like purchasing assets,
commodities, securities, nominal
companies working as an interface
8
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‫واﻟﻤﻌ ﺎدن اﻟﺜﻤﯿﻨ ﺔ واﻟﻌﻘ ﺎرات‬
. ‫واﻟﺴﯿﺎرات واﻟﺴﻠﻊ اﻷﺧﺮى‬
‫( اﻟﺘﻐﻄﯿﺔ‬٢
‫ ﯾ ﺴﻌﻰ اﻟﻤ ﺸﺘﺒﮫ ﺑ ﮫ‬،‫ﻓ ﻲ ھ ﺬه اﻟﻤﺮﺣﻠ ﺔ‬
‫إﻟﻰ ﻓﺼﻞ اﻷﻣﻮال ﻋﻦ ﻣ ﺼﺪرھﺎ ﻣ ﻦ‬
،‫ﺧ ﻼل ﻋ ﺪد ﻣ ﻦ اﻟﻌﻤﻠﯿ ﺎت اﻟﻤُﻌﻘ ﺪة‬
،‫واﻟﺘﻲ ﺗﺘﻀﻤﻦ ﻋﻤﻠﯿﺎت ﺷﺮاء وإﻟﻐ ﺎء‬
‫أو ﺗﻨﺎزل ﻣﺒﻜ ﺮ ﻋ ﻦ اﻟﻌﻮاﺋ ﺪ اﻟ ﺴﻨﻮﯾﺔ‬
‫أﺛﻨﺎء اﻟﻔﺘﺮة اﻻﻧﺘﻘﺎﻟﯿﺔ اﻟﺘ ﻲ ﺗﺒ ﺪو ﺑﻌﯿ ﺪة‬
‫ﻋ ﻦ اﻟﺮﻗﺎﺑ ﺔ أو ﻗ ﺮوض ﺑ ﻀﻤﺎن‬
‫ﻗ ﺮوض أﺧ ﺮى أو ﺣ ﻮاﻻت ﺑﺮﻗﯿ ﺔ أو‬
‫ﻛﻤﯿ ﺔ ﻣ ﻦ اﻻﻋﺘﻤ ﺎدات اﻟﻤ ﺴﺘﻨﺪﯾﺔ‬
‫ أو ﺧﻄ ﻂ اﺳ ﺘﺜﻤﺎرﯾﺔ أو‬،‫اﻟﻤﺰﯾﻔ ﺔ‬
‫ أو وﺿ ﻊ ودﯾﻌ ﺔ‬،‫ﺗﺠﺎرﯾ ﺔ وھﻤﯿ ﺔ‬
‫ﺿﺨﻤﺔ ﺗﺘﺄﻟﻒ ﻣﻦ ﻋ ﺪة وداﺋ ﻊ أﺻ ﻐﺮ‬
‫ وﻛ ﻞ ذﻟ ﻚ ﺑﮭ ﺪف‬،‫ﻓ ﻲ ﻣﻮاﻗ ﻊ ﻣﺨﺘﻠﻔ ﺔ‬
‫ﺗ ﻀﻠﯿﻞ اﻟﺘ ﺪﻗﯿﻖ وﺟﻌ ﻞ ﻋﻤﻠﯿ ﺔ ﺗﺘﺒ ﻊ‬
‫إﯾﺮادات اﻷﻧﺸﻄﺔ ﻏﯿ ﺮ اﻟﻤ ﺸﺮوﻋﺔ أو‬
‫ﻏﯿ ﺮ اﻟﻨﻈﺎﻣﯿ ﺔ ﺻ ﻌﺒﺔ ﻋﻠ ﻰ ﻣ ﺴﺌﻮﻟﻲ‬
.‫ﺗﻨﻔﯿﺬ اﻟﻨﻈﺎم‬
‫( اﻟﺪﻣﺞ‬٣
‫ ﯾ ﺘﻢ ﺗ ﻮﻓﯿﺮ‬،‫ﻓ ﻲ ﻣﺮﺣﻠ ﺔ اﻟ ﺪﻣﺞ ھ ﺬه‬
‫ﺗﻔﺴﯿﺮ ﯾﺒﺪو ﻣﺸﺮوﻋﺎ ﻟﺜﺮوة اﻟﻤﺸﺘﺒﮫ ﺑﮫ‬
‫ وﯾ ﺘﻢ ذﻟ ﻚ ﻣ ﻦ ﺧ ﻼل‬،‫ﻏﺎﺳﻞ اﻷﻣ ﻮال‬
‫ﺑﺮاﻣﺞ ﻣﺘﻨﻮﻋﺔ ﻣﺜﻞ ﻣﺸﺘﺮﯾﺎت أﺻ ﻮل‬
،‫أو ﺳ ﻠﻊ ﺗﺠﺎرﯾ ﺔ أو أوراق ﻣﺎﻟﯿ ﺔ‬
،‫وﺷ ﺮﻛﺎت اﺳ ﻤﯿﺔ ﺗﻌﻤ ﻞ ﻛﻮاﺟﮭ ﺔ ﻟ ﮫ‬
‫أو ﺷ ﺮﻛﺎت ﺗﺘﻤﺘ ﻊ ﺑﺤﻤﺎﯾ ﺔ ﻗﺎﻧﻮﻧﯿ ﺔ أو‬
‫اﺳ ﺘﺜﻤﺎرات ﻓ ﻲ أوراق ﻣﺎﻟﯿ ﺔ أو ﻓ ﻲ‬
 thereof, legally protected companies,
 securities investments or technical
works, etc.; that is in a way allowing
refunding as if the funds were legal
earnings; then becoming a part of
other regulatory funds within economy,
so it becomes hard to distinguish
between legal funds and illegal funds.
Terrorist Financing :
Terrorist financing, acts of terrorism
and terrorist organizations are money
laundry crimes pursuant to the content
of anti-money laundry law, even if
terrorist finance is done by legal funds.
Anti-money laundry law and its
executive bylaw obligated financial and
non-financial organizations to report to
financial intelligence unit any
information related to the involvement
of any person or trading establishment
providing or collecting money directly
or indirectly for illegal purposes.
Methods & Trends of Money
Laundry and Terrorist Financing:
Money Laundry is done through
different methods including
segmentation of large amounts to
smallers ones to be deposited or used
for purchases; or using this methods in
9
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‫ وذﻟ ﻚ ﺑﻄﺮﯾﻘ ﺔ‬،‫أﻋﻤ ﺎل ﻓﻨﯿ ﺔ وﻏﯿﺮھ ﺎ‬
‫ﺗﺴﻤﺢ ﺑﺈﻋﺎدة اﻷﻣﻮال وﻛﺄﻧﮭ ﺎ ﻣﻜﺎﺳ ﺐ‬
‫ ﺛ ﻢ ﺗ ﺼﺒﺢ ﺟ ﺰءاً ﻣ ﻦ‬،‫ﻣ ﺸﺮوﻋﺔ‬
‫اﻷﻣ ﻮال اﻟﻨﻈﺎﻣﯿ ﺔ اﻷﺧ ﺮى ﻓ ﻲ‬
‫اﻻﻗﺘ ﺼﺎد ﯾ ﺼﻌﺐ ﻣﻌﮭ ﺎ اﻟﺘﻔﺮﯾ ﻖ ﺑ ﯿﻦ‬
‫اﻷﻣ ﻮال اﻟﻤ ﺸﺮوﻋﺔ واﻷﻣ ﻮال ﻏﯿ ﺮ‬
.‫اﻟﻤﺸﺮوﻋﺔ‬
:‫ﺗﻤﻮﯾﻞ اﻹرھﺎب‬
‫ﺗﻤﻮﯾ ﻞ اﻹرھ ﺎب واﻷﻋﻤ ﺎل اﻹرھﺎﺑﯿ ﺔ‬
‫واﻟﻤﻨﻈﻤ ﺎت اﻹرھﺎﺑﯿ ﺔ ﻣ ﻦ ﺟ ﺮاﺋﻢ‬
‫ﻏﺴﻞ اﻷﻣﻮال وﻓﻘﺎً ﻟﻤﺎ ورد ﻓ ﻲ ﻧﻈ ﺎم‬
‫ﻣﻜﺎﻓﺤ ﺔ ﻏ ﺴﻞ اﻷﻣ ﻮال وإن ﺗ ﺄَﺗﻰ‬
،‫ﺗﻤﻮﯾﻞ اﻹرھﺎب ﻣﻦ أﻣﻮال ﻣﺸﺮوﻋﺔ‬
‫وﻗﺪ أﻟﺰم ﻧﻈﺎم ﻣﻜﺎﻓﺤﺔ ﻏ ﺴﻞ اﻷﻣ ﻮال‬
‫وﻻﺋﺤﺘ ﮫ اﻟﺘﻨﻔﯿﺬﯾ ﺔ اﻟﻤﺆﺳ ﺴﺎت اﻟﻤﺎﻟﯿ ﺔ‬
‫أو ﻏﯿ ﺮ اﻟﻤﺎﻟﯿ ﺔ ﻋﻨ ﺪ اﻻﻋﺘﻘ ﺎد ﺑﻮﺟ ﻮد‬
‫ﺷﺨﺺ أو ﻣﺆﺳﺴﺔ ﺗﺠﺎرﯾ ﺔ ﺗﻘ ﻮم ﺑ ﺄي‬
‫ﻃﺮﯾﻘ ﺔ ﺑ ﺸﻜﻞ ﻣﺒﺎﺷ ﺮ أو ﻏﯿ ﺮ ﻣﺒﺎﺷ ﺮ‬
‫ﺑﺘﺰوﯾ ﺪ أو ﺟﻤ ﻊ اﻷﻣ ﻮال وﺑﻌﻠ ﻢ ﻣﻨﮭ ﺎ‬
‫أن ﺗﻠ ﻚ اﻷﻣ ﻮال ﺳ ﻮف ﺗ ﺴﺘﺨﺪم‬
‫ﻷﻏ ﺮاض ﻏﯿ ﺮ ﻣ ﺸﺮوﻋﺔ أن ﺗﻘ ﻮم‬
.‫ﺑﺈﺑﻼغ وﺣﺪة اﻟﺘﺤﺮﯾﺎت اﻟﻤﺎﻟﯿﺔ‬
‫أﺳﺎﻟﯿﺐ واﺗﺠﺎھﺎت ﻏﺴﻞ اﻷﻣﻮال وﺗﻤﻮﯾﻞ‬
: ‫اﻹرھﺎب‬
‫ﺗ ﺘﻢ ﻋﻤﻠﯿ ﺎت ﻏ ﺴﻞ اﻷﻣ ﻮال ﺑﺄﺳ ﺎﻟﯿﺐ‬
‫ أي ﺗﻘ ﺴﯿﻢ‬،‫ﻣﺨﺘﻠﻔ ﺔ ﻣﻨﮭ ﺎ اﻟﺘﺠﺰﺋ ﺔ‬
‫اﻟﻤﺒﺎﻟﻎ اﻟﻜﺒﯿﺮة إﻟﻰ ﻣﺒﺎﻟﻎ أﺻﻐﺮ ﯾﻤﻜﻦ‬
‫إﯾ ﺪاﻋﮭﺎ أو ﺗﻨﻔﯿ ﺬ ﻋﻤﻠﯿ ﺎت ﺷ ﺮاء أو‬
‫اﺳ ﺘﺨﺪام ھ ﺬا اﻷﺳ ﻠﻮب ﻓ ﻲ ﻋﻤﻠﯿ ﺎت‬
‫اﻟﻤﺘ ﺎﺟﺮة ﺑﺎﻷﺳ ﮭﻢ واﻟ ﺴﻨﺪات أو‬
 the transactions of shares and
 securities trading or insurance
transactions without any suspicion.
Money launderers also commonly use
electronic transactions, besides
remittances, the purchase of cash
instruments (such as banking checks
and travelers checks), ATM deposits, or
depositing funds via false companies.
The task of money launderer becomes
easier when he receives the voluntary
or involuntary assistance of employees
in financial and non-financial
organizations. Supervision and control
authorities including, (Ministry of
Commerce & Industry – Saudi Arabian
monetary Agency- Capital Market
Authority) issue guiding guidebooks for
combating money laundry and terrorist
financing. FATF issues an annual
documentary concerning the methods
of money laundry, and those
organizations must check it and update
their data and systems accordingly.
Methods Examples are as follows :
1. Laundry by warranted loan:
Launderer deposits funds to be
laundered in a bank of low
regulation countries, then to
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.‫ﻋﻤﻠﯿﺎت اﻟﺘﺄﻣﯿﻦ دون إﺛﺎرة أي ﺷﺒﮭﺔ‬
‫وھﻨ ﺎك أﯾ ﻀﺎ اﻟﺘﻌ ﺎﻣﻼت اﻹﻟﻜﺘﺮوﻧﯿ ﺔ‬
ً‫اﻟﺘ ﻲ ﺗﻌﺘﺒ ﺮ أﻛﺜ ﺮ اﻷﺳ ﺎﻟﯿﺐ اﺳ ﺘﺨﺪاﻣﺎ‬
‫ وﻣ ﻦ‬،‫ﻣ ﻦ ﻗﺒ ﻞ ﻏﺎﺳ ﻠﻲ اﻷﻣ ﻮال‬
،‫اﻷﺳ ﺎﻟﯿﺐ اﻷﺧ ﺮى اﻟﺤ ﻮاﻻت اﻟﻤﺎﻟﯿ ﺔ‬
‫وﺷ ﺮاء اﻷدوات اﻟﻨﻘﺪﯾ ﺔ )ﻛﺎﻟ ﺸﯿﻜﺎت‬
‫اﻟﻤ ﺼﺮﻓﯿﺔ واﻟ ﺴﯿﺎﺣﯿﺔ( واﻹﯾ ﺪاع ﻣ ﻦ‬
‫ﺧﻼل أﺟﮭﺰة اﻟﺼﺮف اﻵﻟﻲ أو إﯾ ﺪاع‬
،‫اﻷﻣ ﻮال ﻣ ﻦ ﺧ ﻼل ﺷ ﺮﻛﺎت وھﻤﯿ ﺔ‬
‫وﻣﻤ ﺎ ﯾ ﺴﮭﻞ ﻛﺜﯿ ﺮاً ﻣﮭﻤ ﺔ ﻏﺎﺳ ﻞ‬
‫اﻷﻣ ﻮال ھ ﻮ أن ﯾﺠ ﺪ ﻣ ﻦ ﻣ ﻮﻇﻔﻲ‬
‫اﻟﻤﺆﺳ ﺴﺎت اﻟﻤﺎﻟﯿ ﺔ وﻏﯿ ﺮ اﻟﻤﺎﻟﯿ ﺔ ﻣ ﻦ‬
‫ﯾﺘﻮاﻃ ﺄ ﻣﻌ ﮫ ﺳ ﻮاء ﻃﻮﻋ ﺎ أو ﻛﺮھ ﺎ‬
‫وﺗﺼﺪر اﻟﺠﮭ ﺎت اﻹﺷ ﺮاﻓﯿﺔ واﻟﺮﻗﺎﺑﯿ ﺔ‬
‫أدﻟ ﺔ اﺳﺘﺮﺷ ﺎدﯾﺔ ﻟﻤﻜﺎﻓﺤ ﺔ ﻋﻤﻠﯿ ﺎت‬
‫ﻏﺴﻞ اﻷﻣﻮال وﺗﻤﻮﯾﻞ اﻹرھ ﺎب ﻣﻨﮭ ﺎ‬
‫ ﻣﺆﺳﺴﺔ‬- ‫) وزارة اﻟﺘﺠﺎرة واﻟﺼﻨﺎﻋﺔ‬
‫ ھﯿﺌ ﺔ اﻟ ﺴﻮق‬- ‫اﻟﻨﻘﺪ اﻟﻌﺮﺑﻲ اﻟﺴﻌﻮدي‬
‫اﻟﻤﺎﻟﯿ ﺔ ( وﯾﻘ ﻮم ﻓﺮﯾ ﻖ اﻟﻌﻤ ﻞ اﻟﻤ ﺎﻟﻲ‬
‫( ﺑﺈﺻ ﺪار وﺛﯿﻘ ﺔ ﺳ ﻨﻮﯾﺔ‬FATF)
‫ واﻟﺘ ﻲ‬،‫ﺗﺘﻌﻠﻖ ﺑﺄﺳﺎﻟﯿﺐ ﻏ ﺴﻞ اﻷﻣ ﻮال‬
‫ﯾﺠ ﺐ ﻋﻠ ﻰ ﺗﻠ ﻚ اﻟﻤﺆﺳ ﺴﺎت اﻻﻃ ﻼع‬
‫ﻋﻠﯿﮭ ﺎ وﺗﺤ ﺪﯾﺚ ﻣﻌﻠﻮﻣ ﺎﺗﮭﻢ وأﻧﻈﻤ ﺘﮭﻢ‬
.‫وﻓﻘﺎ ﻟﮭﺎ‬
‫وﻣ ﻦ اﻷﻣﺜﻠ ﺔ ﻋﻠ ﻰ ﺗﻠ ﻚ اﻷﺳ ﺎﻟﯿﺐ ﻣ ﺎ‬
:‫ﯾﻠﻲ‬
:‫اﻟﻐﺴﻞ ﺑﺎﻟﻘﺮض اﻟﻤﻀﻤﻮن‬ -١
‫ﻗﯿ ﺎم اﻟﻐﺎﺳ ﻞ ﺑﺈﯾ ﺪاع اﻷﻣ ﻮال اﻟﻤ ﺮاد‬
‫ﻏ ﺴﻠﮭﺎ ﻓ ﻲ ﺑﻨ ﻚ ﻹﺣ ﺪى اﻟ ﺪول ذات‬
‫اﻷﻧﻈﻤ ﺔ اﻟ ﻀﻌﯿﻔﺔ وﻟﺘﺤﺮﯾ ﻚ ﺗﻠ ﻚ‬
‫اﻷﻣ ﻮال ﯾﻘ ﻮم ﻓ ﻲ دوﻟ ﺔ أﺧ ﺮى ﻟ ﺪﯾﮭﺎ‬
 mobilize those funds, he carries
  out a project in another country
that implements legislations, then
receives a loan from any bank
against an unconditional letter of
guarantee by the bank in which
funds to be laundered are
deposited, which are to be
guarantee coverage, then the loan
will be processed, while the
borrower does not pay the value
thereof; accordingly, the bank
granting the loan confiscates the
guarantee be refunding loan fund
from the guaranteeing bank.
2. Laundry by letters of credit
Letters of credit are opened to
transfer funds from one place to
another in an illegal way, e.g. opening
a letter of credit for goods that never
arrives, or bad goods worth a little
value of the value of credit; which is
usually accompanied by forfeiting
documents, invoices, bills of lading; as
the value of credit or difference
between its value and the real value of
bad goods or non-goods, constitutes
the laundered amount.
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‫ﺗﺸﺮﯾﻌﺎت ﻓﯿﻌﻤﻞ ﻋﻠﻰ إﻧ ﺸﺎء ﻣ ﺸﺮوع‬
‫ﻓﯿﮭﺎ وﯾﻘﺘﺮض ﻟﺘﻤﻮﯾﻠﮫ ﻣﻦ أﺣﺪ اﻟﺒﻨﻮك‬
‫ﺑ ﻀﻤﺎن ﯾﻜ ﻮن ﻋ ﺎدةً ﺧﻄ ﺎب ﺿ ﻤﺎن‬
‫ﻏﯿﺮ ﻣﺸﺮوط ﻣ ﻦ اﻟﺒﻨ ﻚ اﻟﻤﻮدﻋ ﺔ ﻓﯿ ﮫ‬
‫اﻷﻣ ﻮال اﻟﻤ ﺮاد ﻏ ﺴﻠﮭﺎ واﻟﺘ ﻲ ﺗﻜ ﻮن‬
‫ﻏﻄﺎء ﻟﻠﻀﻤﺎن وﯾﺘﻢ ﺗﻨﻔﯿﺬ اﻟﻘﺮض وﻻ‬
‫ﯾ ﺴﺪد اﻟﻤﻘﺘ ﺮض ﻗﯿﻤﺘ ﮫ ﻓﯿﻘ ﻮم اﻟﺒﻨ ﻚ‬
‫اﻟﻤﻘ ﺮض ﺑﻤ ﺼﺎدرة اﻟ ﻀﻤﺎن ﻋ ﻦ‬
‫ﻃﺮﯾ ﻖ اﺳ ﺘﺮداد أﻣ ﻮال اﻟﻘ ﺮض ﻣ ﻦ‬
. ‫اﻟﺒﻨﻚ اﻟﻀﺎﻣﻦ‬
‫ اﻟﻐ ﺴﻞ ﺑﻮاﺳ ﻄﺔ اﻻﻋﺘﻤ ﺎدات‬-٢
: ‫اﻟﻤﺴﺘﻨﺪﯾﺔ‬
‫ﯾ ﺘﻢ ﻓ ﺘﺢ اﻋﺘﻤ ﺎدات ﻣ ﺴﺘﻨﺪﯾﮫ ﻟﻨﻘ ﻞ‬
‫اﻷﻣﻮال ﻣﻦ ﻣﻜﺎن ﻵﺧﺮ ﺑﻄﺮﯾﻘﮫ ﻏﯿ ﺮ‬
‫ﻣ ﺸﺮوﻋﮫ وﻣﺜﺎﻟﮭ ﺎ ﻓ ﺘﺢ اﻻﻋﺘﻤ ﺎد‬
‫اﻟﻤ ﺴﺘﻨﺪي ﻻﺳ ﺘﯿﺮاد ﺑ ﻀﺎﺋﻊ ﻻ ﺗ ﺼﻞ‬
‫أﺻﻼً أو ﺗﻜﻮن اﻟﺒﻀﺎﺋﻊ ردﯾﺌﺔ وﺑﻘﯿﻤﺔ‬
‫ﺿ ﺌﯿﻠﺔ ﻻ ﺗﻤﺜ ﻞ ﻛﺎﻣ ﻞ ﻗﯿﻤ ﺔ اﻻﻋﺘﻤ ﺎد‬
‫وﯾ ﺼﺎﺣﺐ ذﻟ ﻚ ﻋ ﺎدةً ﺗﺰوﯾ ﺮ‬
‫اﻟﻤ ﺴﺘﻨﺪات واﻟﻔ ﻮاﺗﯿﺮ وﺑﻮﻟﯿ ﺼﺎت‬
‫اﻟ ﺸﺤﻦ وﺗﻜ ﻮن ﻗﯿﻤ ﺔ اﻻﻋﺘﻤ ﺎد أو‬
‫اﻟﻔ ﺮق ﺑ ﯿﻦ ﻗﯿﻤﺘ ﮫ واﻟ ﺴﻌﺮ اﻟﻔﻌﻠ ﻲ‬
‫ﻟﻠﺒ ﻀﺎﻋﺔ اﻟﺮدﯾﺌ ﺔ أو ﻏﯿ ﺮ اﻟﻤﻮﺟ ﻮدة‬
. ‫ھﻮ اﻟﻤﺒﻠﻎ اﻟﻤﻐﺴﻮل‬
 3. Laundry by Finances &
  Revenues:
The funded to be laundered are used
to purchase products of goods from
the country in which those funds are
collected; so instead of transferring
them directly via banking system to
another country, which arouses
suspicions, such goods are purchased
by the funds intended to be laundered
and delivery is done in another
country.
4. Laundry through Capital market
Money launderers authorize brokerage
companies to underwrite in new stock
companies with large amounts of money,
to be laundered in the names or ordinary
persons, previously transacted, obtaining
their details and copies of their ID’s; as
upon allocation, the brokerage company
obtains shares from the company in which
underwriting has been done, refunding
allocation surplus with checks in the names
of underwriters, while brokerage companies
deposit the surplus in their accounts under
previously obtained authorizations by
underwriters; and so money is laundered
via acquiring new shares and refunding
allocation surplus.
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‫ اﻟﻐ ﺴﻞ ﻋ ﻦ ﻃﺮﯾ ﻖ ﺗﻤﻮﯾ ﻞ‬-٣
:‫وإﯾﺮادات‬
‫ﯾ ﺘﻢ ﺑﺎﺳ ﺘﺨﺪام اﻷﻣ ﻮال اﻟﻤ ﺮاد ﻏ ﺴﻠﮭﺎ‬
‫ﻓﻲ ﺷﺮاء ﻣﻨﺘﺠﺎت أو ﺑﻀﺎﺋﻊ ﻣﻦ اﻟﺒﻠ ﺪ‬
‫اﻟﺬي ﺗﻢ ﻓﯿﮫ ﺟﻤ ﻊ ﺗﻠ ﻚ اﻷﻣ ﻮال وﺑ ﺪﻻ‬
‫ﻋﻦ ﺗﺤﻮﯾﻠﮭﺎ ﻣﺒﺎﺷ ﺮة ﺑﺎﺳ ﺘﺨﺪام اﻟﻨﻈ ﺎم‬
‫اﻟﻤ ﺼﺮﻓﻲ إﻟ ﻰ ﺑﻠ ﺪ آﺧ ﺮ ﻷن ذﻟ ﻚ ﻗ ﺪ‬
‫ﯾﺜﯿ ﺮ اﻟ ﺸﻜﻮك ﺣ ﻮل ﺗﻠ ﻚ اﻟﻤﺒ ﺎﻟﻎ ﯾ ﺘﻢ‬
‫ﺷ ﺮاء ﺗﻠ ﻚ اﻟﺒ ﻀﺎﺋﻊ ﺑ ﺎﻷﻣﻮال اﻟﻤ ﺮاد‬
.‫ﻏﺴﻠﮭﺎ وﯾﻜﻮن ﺗﺴﻠﯿﻤﮭﺎ ﻓﻲ ﺑﻠﺪ آﺧﺮ‬
:‫ اﻟﻐﺴﻞ ﻣﻦ ﺧﻼل أﺳﻮاق اﻟﻤﺎل‬-٤
‫ﻟﺠ ﻮء ﻏﺎﺳ ﻠﻲ اﻷﻣ ﻮال إﻟ ﻰ ﺗﻜﻠﯿ ﻒ‬
‫ﺷ ﺮﻛﺎت اﻟﺴﻤ ﺴﺮة ﺑﺎﻻﻛﺘﺘ ﺎب ﻓ ﻲ‬
‫اﻟ ﺸﺮﻛﺎت اﻟﻤ ﺴﺎھﻤﺔ اﻟﺠﺪﯾ ﺪة ﺑﻤﺒ ﺎﻟﻎ‬
‫ﻛﺒﯿﺮة ﻣﻦ أﻣﻮال ﻣﺮاد ﻏ ﺴﻠﮭﺎ ﺑﺄﺳ ﻤﺎء‬
‫أﻓ ﺮاد ﻋ ﺎدﯾﯿﻦ ﺳ ﺒﻖ أن ﺗﻌ ﺎﻣﻠﻮا ﻣﻌﮭ ﻢ‬
‫وﺣ ﺼﻠﻮا ﻋﻠ ﻰ ﺑﯿﺎﻧ ﺎﺗﮭﻢ وﺻ ﻮر ﻣ ﻦ‬
‫ھﻮﯾﺎﺗﮭﻢ اﻟﺸﺨ ﺼﯿﺔ وﻋﻨ ﺪ اﻟﺘﺨ ﺼﯿﺺ‬
‫ﺗﺤ ﺼﻞ ﺷ ﺮﻛﺔ اﻟﺴﻤ ﺴﺮة ﻋﻠ ﻰ أﺳ ﮭﻢ‬
‫ﻣ ﻦ اﻟ ﺸﺮﻛﺔ اﻟﻤﻜﺘﺘ ﺐ ﻓﯿﮭ ﺎ وﯾ ﺘﻢ رد‬
‫ﻓ ﺎﺋﺾ اﻟﺘﺨ ﺼﯿﺺ ﺑ ﺸﯿﻜﺎت ﺑﺎﺳ ﻤﺎء‬
‫ وﺗﻘ ﻮم ﺷ ﺮﻛﺎت اﻟﺴﻤ ﺴﺮة‬، ‫اﻟﻤﻜﺘﺘﺒ ﯿﻦ‬
‫ﺑﺈﯾ ﺪاع ھ ﺬا اﻟﻔ ﺎﺋﺾ ﻓ ﻲ ﺣ ﺴﺎﺑﺎﺗﮭﺎ‬
‫ﺑﻤﻮﺟ ﺐ ﺗ ﻮﻛﯿﻼت ﺳ ﺎﺑﻘﺔ ﻟ ﺪﯾﮭﺎ ﻣ ﻦ‬
‫اﻟﻤﻜﺘﺘﺒ ﯿﻦ وﻣﻨﮭ ﺎ إﻟ ﻰ ﺣ ﺴﺎﺑﺎت‬
‫اﻟﻐﺎﺳ ﻠﯿﻦ وﺑﮭ ﺬا ﯾ ﺘﻢ اﻟﻐ ﺴﻞ ﻟﻸﻣ ﻮال‬
‫ﻋ ﻦ ﻃﺮﯾ ﻖ ﻣﻠﻜﯿ ﺔ أﺳ ﮭﻢ ﺟﺪﯾ ﺪة ورد‬
. ‫ﻓﺎﺋﺾ اﻟﺘﺨﺼﯿﺺ‬
  5. Laundry by Insurance
Launderers procure insurances with
large amounts of money, and obtaining
them after a short period of time by
purchasing an insurance policy and
paying. After a while, Insurance
document is cancelled, obtaining the
amount after deducting insurance
expenses by a check withdrawn at the
account of the insurance company.
6. Associating False Companies
Such companies have no trading
objective, their sole objective is
laundering funds made of illegal or
non-regulatory sources, as laundry
process is done through the launderers
agreement to associate companies as
foreign investors, signing contracts for
factories construction and partnership
with others; as the false company
owns the bigger share, which is
originally funds intended to be
laundered.
7. Laundry by Illusive Judicial
Disputes
E.g. money launderers associate two
companies in two different countries,
one of which has no anti-money
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:‫ اﻟﻐﺴﻞ ﻣﻦ ﺧﻼل اﻟﺘﺄﻣﯿﻦ‬-٥
‫ﻗﯿ ﺎم ﻏﺎﺳ ﻠﻲ اﻷﻣ ﻮال إﻟ ﻰ اﻟﺘ ﺄﻣﯿﻦ‬
‫ﺑﻤﺒﺎﻟﻎ ﻛﺒﯿ ﺮة ﺛ ﻢ اﻟﺤ ﺼﻮل ﻋﻠﯿﮭ ﺎ ﺑﻌ ﺪ‬
‫ﻓﺘﺮة زﻣﻨﯿﺔ ﻣﺤﺪودة ﻋﻦ ﻃﺮﯾﻖ ﺷﺮاء‬
‫ﺑﻮﻟﯿﺼﺔ ﺗﺄﻣﯿﻦ ودﻓﻊ ﻣﺒﻠﻎ اﻷﻗﺴﺎط ﻣﻦ‬
‫اﻷﻣﻮال اﻟﻤﺮاد ﻏﺴﻠﮭﺎ وﯾ ﺘﻢ ﺑﻌ ﺪ ﻓﺘ ﺮة‬
‫وﺟﯿﺰة إﻟﻐﺎء وﺛﯿﻘﺔ اﻟﺘﺄﻣﯿﻦ واﻟﺤﺼﻮل‬
‫ﻋﻠ ﻰ اﻟﻤﺒﻠ ﻎ ﺑﻌ ﺪ ﺧ ﺼﻢ ﻣ ﺼﺎرﯾﻒ‬
‫اﻟﺘﺄﻣﯿﻦ ﺑﻮاﺳ ﻄﺔ ﺷ ﯿﻚ ﻣ ﺴﺤﻮب ﻋﻠ ﻰ‬
.‫ﺣﺴﺎب ﺷﺮﻛﺔ اﻟﺘﺄﻣﯿﻦ‬
‫أﺳ ﻠﻮب إﻧ ﺸﺎء اﻟ ﺸﺮﻛﺎت‬ -٦
:‫اﻟﻮھﻤﯿﺔ‬
‫ھﺬه اﻟﺸﺮﻛﺎت ﻟﯿﺲ ﻟﮭﺎ ھ ﺪف ﺗﺠ ﺎري‬
‫وإﻧﻤﺎ ھﺪﻓﮭﺎ اﻟﻮﺣﯿﺪ ھﻮ ﻏﺴﻞ اﻷﻣ ﻮال‬
‫اﻟﻤﺘﺄﺗﯿﺔ ﻣﻦ ﻣﺼﺎدر ﻏﯿﺮ ﻣﺸﺮوﻋﺔ أو‬
‫ﻏﯿ ﺮ ﻧﻈﺎﻣﯿ ﺔ ﺣﯿ ﺚ ﺗ ﺘﻢ ﻋﻤﻠﯿ ﺔ اﻟﻐ ﺴﻞ‬
‫ﻣ ﻦ ﺧ ﻼل اﺗﻔ ﺎق ﺗﻠ ﻚ اﻟ ﺸﺮﻛﺎت ﻣ ﻊ‬
‫ﻏﺎﺳ ﻠﻲ اﻷﻣ ﻮال ﻋﻠ ﻰ أن ﺗ ﺪﺧﻞ‬
‫اﻟ ﺸﺮﻛﺎت ﻛﻤ ﺴﺘﺜﻤﺮ أﺟﻨﺒ ﻲ وﺗﻘ ﻮم‬
‫ﺑﺘﻮﻗﯿ ﻊ ﻋﻘ ﻮد ﻹﻧ ﺸﺎء ﻣ ﺼﺎﻧﻊ أو‬
‫ وﯾﻜﻮن‬، ‫ﺷﺮﻛﺎت ﻣﺸﺘﺮﻛﺔ ﻣﻊ آﺧﺮﯾﻦ‬
‫ﻟﻠﺸﺮﻛﺔ اﻟﻮھﻤﯿﺔ اﻟﻨﺼﯿﺐ اﻷﻛﺒﺮ اﻟﺬي‬
. ‫ھﻮ ﻓﻲ اﻷﺻﻞ أﻣﻮال ﻣﺮاد ﻏﺴﻠﮭﺎ‬
‫اﻟﻐ ﺴﻞ ﻋ ﻦ ﻃﺮﯾ ﻖ اﻟﻨﺰاﻋ ﺎت‬ -٧
:‫اﻟﻘﻀﺎﺋﯿﺔ اﻟﻮھﻤﯿﺔ‬
‫ﻛ ﺄن ﯾﻘ ﻮم ﻏﺎﺳ ﻠﻲ اﻷﻣ ﻮال ﺑﺈﻧ ﺸﺎء‬
‫ﺷﺮﻛﺘﯿﻦ ﻓﻲ دوﻟﺘﯿﻦ ﻣﺨﺘﻠﻔﺘﯿﻦ إﺣﺪاھﻤﺎ‬
‫ﻓ ﻲ دوﻟ ﺔ ﻟﯿ ﺴﺖ ﺑﮭ ﺎ أﻧﻈﻤ ﺔ ُﺗﻜ ﺎﻓﺢ‬
‫ﻋﻤﻠﯿ ﺎت ﻏ ﺴﻞ اﻷﻣ ﻮال وأﺧ ﺮى ﻓ ﻲ‬
 laundry laws, while the other has laws.
 Then, funds to be laundered are
deposited un the account of the
company in the first country, while the
company in the other country sue the
company in the first country within a
legal dispute between them, which
ends by either ways; which is for
example, Judging in favor of the
second company, as the company in
the first country pays the judged
amount to the second company.
8. Laundry by Constructing
Interface Projects :
Money launderers purchase trading
companies or using false companies
with no legal papers, but they have
actual entity in reality, those
companies are used for liquidating, and
merging funds intended to be
laundered; as focus is put on the
companies with high sales volumes.
9. Laundry in Large Supplies &
Contracts :
Money launderers enter into the
frequent tenders of large supplies &
contracts, as the launderer obtains a
direct supply contract or a subcontract,
under which he applies to a bank for
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‫دوﻟ ﺔ ﻟ ﺪﯾﮭﺎ أﻧﻈﻤ ﺔ وﻣ ﻦ ﺛ ﻢ إﯾ ﺪاع‬
‫اﻷﻣ ﻮال اﻟﻤ ﺮاد ﻏ ﺴﻠﮭﺎ ﻓ ﻲ ﺣ ﺴﺎب‬
‫اﻟ ﺸﺮﻛﺔ ﺑﺎﻟﺪوﻟ ﺔ اﻷوﻟ ﻰ ﺛ ﻢ ﺗﻘ ﻮم‬
‫اﻟﺸﺮﻛﺔ ﻓﻲ اﻟﺪوﻟﺔ اﻟﺜﺎﻧﯿﺔ ﺑﺮﻓﻊ دﻋﻮى‬
‫ﻗ ﻀﺎﺋﯿﺔ ﺿ ﺪ اﻟ ﺸﺮﻛﺔ ﺑﺎﻟﺪوﻟ ﺔ اﻷوﻟ ﻰ‬
‫ وﯾﻨﺘﮭ ﻲ‬، ‫ﺑ ﺸﺄن ﻧ ﺰاع ﻗ ﺎﻧﻮﻧﻲ ﺑﯿﻨﮭﻤ ﺎ‬
، ‫اﻷﻣ ﺮ ﻓ ﻲ اﻟﻨ ﺰاع ﺑﺈﺣ ﺪى اﻟﻄ ﺮق‬
‫واﻟﺘ ﻲ ﻣﻨﮭ ﺎ ﻋﻠ ﻰ ﺳ ﺒﯿﻞ اﻟﻤﺜ ﺎل اﻟﺤﻜ ﻢ‬
‫ﻟﺼﺎﻟﺢ اﻟﺸﺮﻛﺔ اﻟﺜﺎﻧﯿ ﺔ وﺗ ﺪﻓﻊ اﻟ ﺸﺮﻛﺔ‬
‫اﻟﺘﻲ ﻓﻲ اﻟﺪوﻟﺔ اﻷوﻟﻰ اﻟﻤﺒﻠﻎ اﻟﻤﺤﻜﻮم‬
. ‫ﺑﮫ ﻟﻠﺸﺮﻛﺔ اﻟﺜﺎﻧﯿﺔ‬
‫ اﻟﻐ ﺴﻞ ﺑﺈﻧ ﺸﺎء ﻣ ﺸﺮوﻋﺎت‬-٨
:‫اﻟﻮاﺟﮭﮫ‬
‫ﻗﯿ ﺎم ﻏﺎﺳ ﻠﻲ اﻷﻣ ﻮال ﺑ ﺸﺮاء ﺷ ﺮﻛﺎت‬
‫ﺗﺠﺎرﯾ ﺔ أو اﺳ ﺘﺨﺪام ﺷ ﺮﻛﺎت وھﻤﯿ ﺔ‬
‫ﻟﮭ ﺎ أوراق ﻗﺎﻧﻮﻧﯿ ﺔ وﻟﻜ ﻦ ﻟﮭ ﺎ ﻛﯿ ﺎن‬
‫ وﺗ ﺴﺘﺨﺪم ﺗﻠ ﻚ‬، ‫ﻓﻌﻠ ﻲ ﻓ ﻲ اﻟﻮاﻗ ﻊ‬
‫اﻟ ﺸﺮﻛﺎت ﻓ ﻲ ﻋﻤﻠﯿ ﺎت اﻹﺣ ﻼل‬
‫ وﯾﺘﻢ‬،‫واﻟﺨﻠﻂ واﻷﻣﻮال اﻟﻤﺮاد ﻏﺴﻠﮭﺎ‬
‫اﻟﺘﺮﻛﯿ ﺰ ﻋﻠ ﻰ اﻟ ﺸﺮﻛﺎت اﻟﺘ ﻲ ﻟﮭ ﺎ‬
.‫أﺣﺠﺎم ﻣﺒﯿﻌﺎت ﻋﺎﻟﯿﺔ‬
‫ اﻟﻐ ﺴﻞ ﻓ ﻲ اﻟﻌﻘ ﻮد واﻟﺘﻮرﯾ ﺪات‬-٩
: ‫اﻟﻜﺒﯿﺮة‬
‫ﯾﻠﺠﺄ ﻏﺎﺳﻠﻲ اﻷﻣﻮال إﻟﻰ اﻟ ﺪﺧﻮل ﻓ ﻲ‬
‫ﻣﻨﺎﻗﺼﺎت اﻟﻌﻘﻮد واﻟﺘﻮرﯾﺪات اﻟﻜﺒﯿ ﺮة‬
‫اﻟﻤﺘﻜ ﺮرة وذﻟ ﻚ ﻋ ﻦ ﻃﺮﯾ ﻖ ﺣ ﺼﻮل‬
‫ﻏﺎﺳ ﻞ اﻷﻣ ﻮال ﻋﻠ ﻰ ﻋﻘ ﺪ ﺗﻮرﯾ ﺪ‬
‫ﻣﺒﺎﺷ ﺮ أو ﻣ ﻦ اﻟﺒ ﺎﻃﻦ وﯾﺘﻘ ﺪم ﺑ ﺬﻟﻚ‬
‫اﻟﻌﻘﺪ إﻟ ﻰ ﺑﻨ ﻚ ﻟﻠﺤ ﺼﻮل ﻋﻠ ﻰ ﺗﻤﻮﯾ ﻞ‬
 having a maximum finance of 20 %
 of the contract value against a cash
insurance guarantee, using the bank
finance in a limited way, while
depending on the funds intended to be
laundered, for purchasing the goods
required in the supply process.
10. Laundry though Festivals &
Tourist Celebration
These activities are exploited by money
launderers, financing their expenses in
cash by the funds intended to be
laundered, as launderers obtain a large
percentage of their revenues,
especially the rights of sponsorship,
privileges and advertisements; and
theses funds are legally deposited in
the banking sector.
11. Non-licensed Charitable
Societies & Organizations
Collecting donations in favor of non-
licensed charitable societies & ‫ﺧ ﻼل ﺣ ﺴﺎﺑﺎت رؤﺳ ﺎء أو ﻣ ﺪراء‬
organizations or through the accounts
of charitable organizations chairmen or
directors to mange those funds in
order to finance terrorist acts. To
comply with Anti-Money Laundry Law,
all financial and non-financial
organizations must :
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‫ ﻣ ﻦ‬% ٢٠ ‫ﻟ ﮫ ﻓ ﻲ ﺣ ﺪود ﻻ ﯾﺘﺠ ﺎوز‬
،‫ﻗﯿﻤ ﺔ اﻟﻌﻘ ﺪ ﺑ ﻀﻤﺎن ﺗ ﺄﻣﯿﻦ ﻧﻘ ﺪي‬
‫وﯾﺴﺘﺨﺪم ﺗﻤﻮﯾﻞ اﻟﺒﻨﻚ ﺑﺪرﺟﺔ ﻣﺤﺪودة‬
‫ﻣ ﻊ اﻻﻋﺘﻤ ﺎد ﻋﻠ ﻰ اﻷﻣ ﻮال اﻟﻤ ﺮاد‬
‫ﻏﺴﻠﮭﺎ ﻓﻲ ﺷﺮاء اﻟ ﺴﻠﻊ اﻟﺘ ﻲ ﺗﺤﺘﺎﺟﮭ ﺎ‬
. ‫ﻋﻤﻠﯿﺔ اﻟﺘﻮرﯾﺪ‬
‫ اﻟﻐ ﺴﻞ ﺑﻮاﺳ ﻄﺔ اﻟﻤﮭﺮﺟﺎﻧ ﺎت‬-١٠
:‫واﻻﺣﺘﻔﺎﻻت اﻟﺴﯿﺎﺣﯿﺔ‬
‫ﺗﺴﺘﻐﻞ ﺗﻠﻚ اﻷﻧ ﺸﻄﺔ ﻣ ﻦ ﻗﺒ ﻞ ﻏﺎﺳ ﻠﻲ‬
‫اﻷﻣ ﻮال ﻋ ﻦ ﻃﺮﯾ ﻖ ﺗﻤﻮﯾ ﻞ اﻹﻧﻔ ﺎق‬
‫ﻋﻠ ﻰ ﺗﻠ ﻚ اﻷﻧ ﺸﻄﺔ ﻧﻘ ﺪا ﻣ ﻦ أﻣ ﻮال‬
‫ وﯾﺤﺼﻞ ﻏﺎﺳﻞ اﻷﻣﻮال‬،‫ﻣﺮاد ﻏﺴﻠﮭﺎ‬
‫ﻋﻠﻰ ﻧﺴﺒﺔ ﻛﺒﯿﺮة ﻣﻦ إﯾﺮاداﺗﮭﺎ ﺧﺎﺻ ﺔ‬
‫ﻣ ﻦ ﺣﻘ ﻮق اﻟﺮﻋﺎﯾ ﺔ واﻻﻣﺘﯿ ﺎزات‬
‫واﻹﻋﻼﻧ ﺎت وﺗ ﻮدع ﺗﻠ ﻚ اﻷﻣ ﻮال‬
‫ﺑ ﺼﻔﺔ ﻣ ﺸﺮوﻋﺔ ﻓ ﻲ اﻟﻘﻄ ﺎع‬
.‫اﻟﻤﺼﺮﻓﻲ‬
‫اﻟﺠﻤﻌﯿﺎت واﻟﮭﯿﺌﺎت اﻟﺨﯿﺮﯾﺔ ﻏﯿﺮ‬-١١
:‫اﻟﻤﺮﺧﺼﺔ‬
‫ﺟﻤ ﻊ اﻟﺘﺒﺮﻋ ﺎت ﻟ ﺼﺎﻟﺢ ﺟﻤﻌﯿ ﺎت أو‬
‫ھﯿﺌ ﺎت ﺧﯿﺮﯾ ﺔ ﻏﯿ ﺮ ﻣﺮﺧ ﺼﺔ أو ﻣ ﻦ‬
‫اﻟﻤﻨﻈﻤ ﺎت اﻟﺨﯿﺮﯾ ﺔ ﻹدارة ھ ﺬه‬
.‫اﻷﻣﻮال ﺑﮭﺪف ﺗﻤﻮﯾﻞ أﻋﻤﺎل إرھﺎﺑﯿﺔ‬
‫وﻟﻜ ﻲ ﯾ ﺘﻢ اﻻﻟﺘ ﺰام ﺑﻤ ﺎ ورد ﺑﻨﻈ ﺎم‬
‫ﻣﻜﺎﻓﺤ ﺔ ﻏ ﺴﻞ اﻷﻣ ﻮال ﯾﻨﺒﻐ ﻲ ﻋﻠ ﻰ‬
‫ﺟﻤﯿﻊ اﻟﻤﺆﺳﺴﺎت اﻟﻤﺎﻟﯿﺔ واﻟﻤﺆﺳ ﺴﺎت‬
:‫ﻏﯿﺮ اﻟﻤﺎﻟﯿﺔ اﻻﻟﺘﺰام ﺑﻤﺎ ﯾﻠﻲ‬
  Providing Efficient Internal
Control System:
• All financial and non-financial
organizations must design and
develop internal control systems
for combating money laundry
transactions and terrorist
financing, considering the
following:
• The policies of financial and non-
financial organizations related to
combating money laundry
transactions and terrorist
financing, must include self
assessment procedures, assuring
the compliance with such policies
and procedures.
• Internal auditors of financial and non-
financial organizations must enlist
the report of compliance with
money laundry & terrorist financing
policies within inspection and audit
programs carried out by them.
• Financial and non-financial
organizations must set indicators
for the suspicion of money laundry
& terrorist financing transactions,
updating them continuously.
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:‫أﯾﺠﺎد ﻧﻈﺎم رﻗﺎﺑﺔ داﺧﻠﻲ ﻓﻌّﺎل‬
‫ﻋﻠﻰ ﻛﻞ اﻟﻤﺆﺳﺴﺎت اﻟﻤﺎﻟﯿ ﺔ وﻏﯿ ﺮ‬ Ÿ
‫اﻟﻤﺎﻟﯿ ﺔ أن ﺗ ﺼﻤﻢ وﺗﻄ ﻮر أﻧﻈﻤ ﺔ‬
‫اﻟﺮﻗﺎﺑ ﺔ اﻟﺪاﺧﻠﯿ ﺔ ﻟﻤﻜﺎﻓﺤ ﺔ ﻋﻤﻠﯿ ﺎت‬
‫ﻏ ﺴﻞ اﻷﻣ ﻮال وﺗﻤﻮﯾ ﻞ اﻹرھ ﺎب‬
:‫وﺗﺮاﻋﻲ اﻟﻨﻘﺎط اﻟﺘﺎﻟﯿﺔ‬
‫ﯾﺠ ﺐ أن ﺗﺘ ﻀﻤﻦ ﺳﯿﺎﺳ ﺎت‬ Ÿ
‫اﻟﻤﺆﺳ ﺴﺎت اﻟﻤﺎﻟﯿ ﺔ وﻏﯿ ﺮ اﻟﻤﺎﻟﯿ ﺔ‬
‫اﻟﺨﺎﺻ ﺔ ﺑﻤﻜﺎﻓﺤ ﺔ ﻏ ﺴﻞ اﻷﻣ ﻮال‬
‫وﺗﻤﻮﯾ ﻞ اﻹرھ ﺎب إﺟ ﺮاءات‬
‫ﻟﻠﺘﻘﯿﯿﻢ اﻟﺬاﺗﻲ ﻣﻦ أﺟ ﻞ اﻟﺘﺄﻛ ﺪ ﻣ ﻦ‬
‫اﻟﺘ ﺰام ﺗﻠ ﻚ اﻟﻤﺆﺳ ﺴﺔ ﺑﺘﻠ ﻚ‬
.‫اﻟﺴﯿﺎﺳﺎت واﻹﺟﺮاءات‬
‫ﻋﻠ ﻰ اﻟﻤ ﺮاﺟﻌﯿﻦ اﻟ ﺪاﺧﻠﯿﯿﻦ‬ Ÿ
‫ﻟﻠﻤﺆﺳ ﺴﺎت اﻟﻤﺎﻟﯿ ﺔ وﻏﯿ ﺮ اﻟﻤﺎﻟﯿ ﺔ‬
‫أن ﯾ ﺪرﺟﻮا ﺗﻘﺮﯾ ﺮ اﻻﻟﺘ ﺰام‬
‫ﺑﺴﯿﺎﺳﺎت ﻏ ﺴﻞ اﻷﻣ ﻮال وﺗﻤﻮﯾ ﻞ‬
‫اﻹرھ ﺎب ﺿ ﻤﻦ ﺑ ﺮاﻣﺞ اﻟﺘﻔﺘ ﯿﺶ‬
.‫واﻟﻤﺮاﺟﻌﺔ اﻟﺘﻲ ﯾﻘﻮﻣﻮن ﺑﮭﺎ‬
‫ﻋﻠ ﻰ اﻟﻤﺆﺳ ﺴﺎت اﻟﻤﺎﻟﯿ ﺔ وﻏﯿ ﺮ‬ Ÿ
‫اﻟﻤﺎﻟﯿﺔ وﺿﻊ ﻣﺆﺷﺮات داﻟﺔ ﻋﻠ ﻰ‬
‫ﺷ ﺒﮭﺔ ﻋﻤﻠﯿ ﺎت ﻏ ﺴﻞ اﻷﻣ ﻮال‬
‫وﺗﻤﻮﯾ ﻞ اﻹرھ ﺎب واﻟﻌﻤ ﻞ ﻋﻠ ﻰ‬
.‫ﺗﺤﺪﯾﺜﮭﺎ ﺑﺼﻮرة ﻣﺴﺘﻤﺮة‬
  Applying "Know Your Customer"
Standard :
• Having correct relevant policies and
procedures constitutes an
important factor to guarantee an
efficient risk management in
financial and non-financial
organizations.
• The policies and the procedures of
combating money laundry and
terrorist financing, must assert
“Know your Customer Standard”
and prepare customer profile
summary.
• Financial and non-financial
organizations have to develop a
system for the internal reports of
transactions, which can facilitate
suspicious activities detection.
• Financial and non-financial
organizations have to use a
specialized automatic program,
capable of preparing customer
profile automatically, and
indicating abnormal patterns that
imply transactions or trends, which
might be indicative of criminal acts
possibility.
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:"‫ﺗﻄﺒﯿﻖ ﻣﺒﺪأ "اﻋﺮف ﻋﻤﯿﻠﻚ‬
‫إن وﺟ ﻮد ﺳﯿﺎﺳ ﺎت وإﺟ ﺮاءات‬ Ÿ
‫ﺳ ﻠﯿﻤﺔ ﺑﺨ ﺼﻮص ﻣﺒ ﺪأ "اﻋ ﺮف‬
‫ﻋﻤﯿﻠ ﻚ" ﯾﻌﺘﺒ ﺮ ﻋ ﺎﻣﻼً ﻣﮭﻤ ﺎ ﻓ ﻲ‬
‫ﺿﻤﺎن إدارة ﻓﻌﺎﻟﺔ ﻟﻠﻤﺨﺎﻃﺮ اﻟﺘﻲ‬
‫ﻗ ﺪ ﺗﻮاﺟ ﮫ اﻟﻤﺆﺳ ﺴﺎت اﻟﻤﺎﻟﯿ ﺔ‬
.‫وﻏﯿﺮ اﻟﻤﺎﻟﯿﺔ‬
‫ﯾﺠ ﺐ أن ﺗﺆﻛ ﺪ اﻟ ﺴﯿﺎﺳﺎت‬ Ÿ
‫واﻹﺟ ﺮاءات اﻟﺨﺎﺻ ﺔ ﺑﻤﻜﺎﻓﺤ ﺔ‬
‫ﻏ ﺴﻞ اﻷﻣ ﻮال وﺗﻤﻮﯾ ﻞ اﻹرھ ﺎب‬
"‫ﻋﻠ ﻰ ﻣﺒ ﺪأ "اﻋ ﺮف ﻋﻤﯿﻠ ﻚ‬
.‫وإﻋﺪاد ﻣﻠﺨﺺ ﺑﯿﺎﻧﺎت اﻟﻌﻤﯿﻞ‬
‫ﻋﻠ ﻰ اﻟﻤﺆﺳ ﺴﺎت اﻟﻤﺎﻟﯿ ﺔ وﻏﯿ ﺮ‬ Ÿ
‫اﻟﻤﺎﻟﯿ ﺔ أن ﺗﻄ ﻮر ﻧﻈﺎﻣ ﺎ ﻟﻠﺘﻘ ﺎرﯾﺮ‬
‫اﻟﺪاﺧﻠﯿ ﺔ اﻟﺨﺎﺻ ﺔ ﺑﺎﻟﻌﻤﻠﯿ ﺎت‬
‫واﻟ ﺬي ﯾﻤﻜ ﻦ أن ﺗ ﺴﮭﻞ اﻛﺘ ﺸﺎف‬
.‫اﻷﻧﺸﻄﺔ اﻟﻤﺸﺒﻮھﺔ‬
‫ﻋﻠ ﻰ اﻟﻤﺆﺳ ﺴﺎت اﻟﻤﺎﻟﯿ ﺔ وﻏﯿ ﺮ‬ Ÿ
‫اﻟﻤﺎﻟﯿ ﺔ أن ﺗ ﺴﺘﺨﺪم ﺑﺮﻧﺎﻣﺠ ﺎً آﻟﯿ ﺎ‬
‫ﻣﺘﺨﺼ ﺼﺎ ﯾﻜ ﻮن ﻗ ﺎدرا ﻋﻠ ﻰ‬
‫إﻋ ﺪاد ﻣﻠﺨ ﺺ ﺑﯿﺎﻧ ﺎت اﻟﻌﻤﯿ ﻞ‬
‫ﺑ ﺼﻮرة أوﺗﻮﻣﺎﺗﯿﻜﯿ ﺔ وﺑﯿ ﺎن‬
‫اﻷﻧﻤ ﺎط ﻏﯿ ﺮ اﻟﻄﺒﯿﻌﯿ ﺔ اﻟﺘ ﻲ ﻗ ﺪ‬
‫ﺗ ﺪل ﻋﻠ ﻰ وﺟ ﻮد ﻋﻤﻠﯿ ﺎت أو‬
ً‫اﺗﺠﺎھﺎت ﯾﻤﻜ ﻦ أن ﺗﻜ ﻮن ﻣﺆﺷ ﺮا‬
‫ﻋﻠ ﻰ اﺣﺘﻤ ﺎل وﺟ ﻮد أﻋﻤ ﺎل‬
.‫إﺟﺮاﻣﯿﺔ‬
  
• Internal auditing unit and other
control departments in financial
and non-financial organizations
have to ensure their employees
compliance with the policies and
the procedures intending to
combat money-laundry and
terrorist financing.
• Customer account data, as minimum,
must be verified (e.g. name,
address, signature and contact
phones, occupation data.. etc) to
assure the data recorded in the
systems of Financial and non-
financial organizations.
• If the financial and non-financial
organizations have reasons to
suspect the credibility of any data
submitted by customer, those
organizations must use all possible
methods to verify such data, such
as calling home or business phone.
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‫ﯾﺠ ﺐ أن ﺗﺘﺄﻛ ﺪ وﺣ ﺪة اﻟﻤﺮاﺟﻌ ﺔ‬ Ÿ
‫اﻟﺪاﺧﻠﯿ ﺔ وأﻗ ﺴﺎم اﻟﺮﻗﺎﺑ ﺔ اﻷﺧ ﺮى‬
‫ﻓ ﻲ اﻟﻤﺆﺳ ﺴﺎت اﻟﻤﺎﻟﯿ ﺔ وﻏﯿ ﺮ‬
‫اﻟﻤﺎﻟﯿﺔ ﻣﻦ أﺗﺒ ﺎع ﺟﻤﯿ ﻊ ﻣ ﻮﻇﻔﯿﮭﻢ‬
‫ﺑﻜﺎﻓ ﺔ ﻣ ﺴﺘﻮﯾﺎﺗﮭﻢ وﻓ ﻲ ﺟﻤﯿ ﻊ‬
‫اﻷﻗ ﺴﺎم ﻟﻠ ﺴﯿﺎﺳﺎت واﻹﺟ ﺮاءات‬
‫اﻟﺪاﺧﻠﯿ ﺔ اﻟﮭﺎدﻓ ﺔ إﻟ ﻰ ﻣﻜﺎﻓﺤ ﺔ‬
‫ﻋﻤﻠﯿ ﺎت ﻏ ﺴﻞ اﻷﻣ ﻮال وﺗﻤﻮﯾ ﻞ‬
.‫اﻹرھﺎب‬
‫ﯾﺠ ﺐ وﻛﺤ ﺪ أدﻧ ﻰ اﻟﺘﺤﻘ ﻖ ﻣ ﻦ‬ Ÿ
‫ﻣﻌﻠﻮﻣ ﺎت ﺣ ﺴﺎب اﻟﻌﻤﯿ ﻞ‬
،‫ اﻟﻌﻨ ﻮان‬،‫اﻟﺸﺨ ﺼﻲ ﻣﺜ ﻞ اﻻﺳ ﻢ‬
‫ أرﻗ ﺎم اﻟﮭﻮاﺗ ﻒ اﻟﺘ ﻲ‬،‫اﻟﺘﻮﻗﯿ ﻊ‬
،‫ﯾﻤﻜ ﻦ ﻣ ﻦ ﺧﻼﻟﮭ ﺎ اﻻﺗ ﺼﺎل ﺑ ﮫ‬
،‫اﻟ ﺦ‬... ‫اﻟﻮﻇﯿﻔ ﺔ‬/‫وﺗﻔﺎﺻﯿﻞ اﻟﻌﻤﻞ‬
‫وذﻟ ﻚ ﺑﻐ ﺮض اﻟﺘﺄﻛ ﺪ ﻣ ﻦ‬
‫اﻟﻤﻌﻠﻮﻣ ﺎت اﻟﻤﺤﻔﻮﻇ ﺔ ﻟ ﺪى‬
‫اﻷﻧﻈﻤ ﺔ ﻓ ﻲ اﻟﻤﺆﺳ ﺴﺎت اﻟﻤﺎﻟﯿ ﺔ‬
.‫وﻏﯿﺮ اﻟﻤﺎﻟﯿﺔ‬
‫إذا ﻛ ﺎن ﻟ ﺪى اﻟﻤﺆﺳ ﺴﺎت اﻟﻤﺎﻟﯿ ﺔ‬ Ÿ
‫وﻏﯿﺮ اﻟﻤﺎﻟﯿﺔ أﺳﺒﺎب ﻟﻼﺷ ﺘﺒﺎه ﻓ ﻲ‬
‫ﻣ ﺼﺪاﻗﯿﺔ أي ﻣﻌﻠﻮﻣ ﺎت ﻗ ﺪﻣﮭﺎ‬
‫ ﯾﺠ ﺐ ﻋﻠ ﻰ ﺗﻠ ﻚ‬،‫اﻟﻌﻤﯿ ﻞ‬
‫اﻟﻤﺆﺳﺴﺎت أن ﺗﺴﺘﻌﻤﻞ ﻛﻞ اﻟﺴﺒﻞ‬
‫اﻟﻤﻤﻜﻨ ﺔ ﻟﻠﺘﺤﻘ ﻖ ﻣ ﻦ ﺻ ﺤﺔ ﺗﻠ ﻚ‬
‫ ﻛ ﺄن ﯾﺘ ﺼﻞ ﺑﺄرﻗ ﺎم‬،‫اﻟﻤﻌﻠﻮﻣ ﺎت‬
‫ھﺎﺗﻒ اﻟﻤﻨ ﺰل أو اﻟﻌﻤ ﻞ وﻣ ﺎ إﻟ ﻰ‬
.‫ذﻟﻚ‬
  • Financial organizations have to
request customer to submit data
about his accounts at other local
financial organizations, which must
be followed up and verified in case
of suspicion indicator availability.
Indicators :
Suspicious Transaction Examples :
Money Laundry & Terrorist
Financing Using Cash
Transactions:
• Unusually frequent cash deposits
done by a person or a company
without using other payment
methods.
• Tangible increase in individual cash
deposits or an activity without
clear reason, especially if the
deposits were transferred shortly
after that, from the account to an
unknown destination in relation to
the customer.
• Companies accounts embodied in
cash withdrawals and deposits,
instead of other methods of
transactions, e.g. using checks,
guarantee letters, and letters of
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‫ ﻋﻠﻰ اﻟﻤﺆﺳﺴﺎت اﻟﻤﺎﻟﯿﺔ أن ﺗﻄﻠﺐ‬Ÿ
‫ﻣ ﻦ اﻟﻌﻤﯿ ﻞ ﺗﻘ ﺪﯾﻢ ﻣﻌﻠﻮﻣ ﺎت‬
‫ﺑﺨ ﺼﻮص ﺣ ﺴﺎﺑﺎﺗﮫ اﻟﻤﻮﺟ ﻮدة‬
‫ﻟ ﺪى اﻟﻤﺆﺳ ﺴﺎت اﻟﻤﺎﻟﯿ ﺔ اﻟﻤﺤﻠﯿ ﺔ‬
‫ واﻟﺘ ﻲ ﯾﺠ ﺐ ﻣﺘﺎﺑﻌﺘﮭ ﺎ‬،‫اﻷﺧ ﺮى‬
‫واﻟﺘﺤﻘﻖ ﻣﻨﮭﺎ ﻓﻲ ﺣﺎﻟ ﺔ وﺟ ﻮد ﻣ ﺎ‬
.‫ﯾﺜﯿﺮ اﻻﺷﺘﺒﺎه ﺑﮭﺎ‬
: ‫اﻟﻤﺆﺷﺮات‬
‫ﺑﻌ ﺾ اﻷﻣﺜﻠ ﺔ ﻋ ﻦ اﻟﻌﻤﻠﯿ ﺎت اﻟﺘ ﻲ‬
: ‫ﺗﺜﯿﺮ اﻟﺸﻚ‬
‫ﻏﺴﻞ اﻷﻣﻮال وﺗﻤﻮﯾﻞ اﻹرھﺎب ﺑﺎﺳﺘﺨﺪام‬
: ‫اﻟﻌﻤﻠﯿﺎت اﻟﻨﻘﺪﯾﺔ‬
‫ إﯾﺪاﻋﺎت ﻧﻘﺪﯾﺔ ﺑﺪرﺟﺔ ﻏﯿﺮ ﻋﺎدﯾ ﺔ‬Ÿ
‫ﻗ ﺎم ﺑﮭ ﺎ ﺷ ﺨﺺ أو ﺷ ﺮﻛﮫ دون‬
.‫إﺳﺘﺨﺪام أدوات اﻟﺪﻓﻊ اﻷﺧﺮى‬
‫زﯾ ﺎدة ﻣﻠﻤﻮﺳ ﺔ ﻓ ﻲ اﻹﯾ ﺪاﻋﺎت‬ Ÿ
‫اﻟﻨﻘﺪﯾ ﺔ ﻟﻔ ﺮد أو ﻧ ﺸﺎط دون ﺳ ﺒﺐ‬
‫واﺿ ﺢ ﺧﺎﺻ ﺔ إذا ﻛﺎﻧ ﺖ ﺗﻠ ﻚ‬
‫اﻹﯾﺪاﻋﺎت ﻗﺪ ﺗﻢ ﺗﺤﻮﯾﻠﮭﺎ ﺑﻌﺪ ذﻟ ﻚ‬
‫ﺑﻔﺘ ﺮة وﺟﯿ ﺰة ﻣ ﻦ اﻟﺤ ﺴﺎب إﻟ ﻰ‬
‫ﺟﮭ ﺔ ﻏﯿ ﺮ ﻣﻌ ﺮوف ﻃﺒﯿﻌ ﺔ‬
. ‫ﻋﻼﻗﺘﮭﺎ ﺑﺎﻟﻌﻤﯿﻞ‬
‫ﺣ ﺴﺎﺑﺎت اﻟ ﺸﺮﻛﺎت اﻟﺘ ﻲ ﺗﺘﻤﺜ ﻞ‬ Ÿ
‫ﻋﻤﻠﯿ ﺎت اﻟ ﺴﺤﺐ واﻹﯾ ﺪاع ﻟﮭ ﺎ‬
‫ﺑ ﺸﻜﻞ ﻧﻘ ﺪي ﺑ ﺪﻻً ﻣ ﻦ اﻟ ﺼﻮر‬
‫اﻷﺧ ﺮى اﻟﻤﺘﻌﻠﻘ ﺔ ﺑﺎﻟﻌﻤﻠﯿ ﺎت‬
‫اﻟﺘﺠﺎرﯾﺔ ﻣﺜﻞ اﻟﺸﯿﻜﺎت وﺧﻄﺎﺑ ﺎت‬
. ‫اﻟﻀﻤﺎن واﻻﻋﺘﻤﺎد وﻏﯿﺮھﺎ‬
 credit.. etc.
 • Customers who continuously do cash
deposits to cover cash remittances
or banking withdrawals.
• Customers who exchange large
amounts of money of little value
with money amounts of higher
value.
• Deposit transactions of unknown
sources.
Money Laundry & Terrorist
Financing Using Banking
Transactions:
• Customers who desire to keep a number
of their accounts in their names or by
delegation inappropriately with their
activities.
• Customers who have several accounts,
feeding them separately, so that their
total accounts may represent a large
amount.
• Any company (or individuals) whose
accounts reveal no personal banking
transactions or business activities, but
only used for receiving or paying large
amounts with no clear purpose or
connection to the account holder, e.g.
the accounts with high rate of
circulation without any connection to
the customer activity.
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‫اﻟﻌﻤ ﻼء اﻟ ﺬﯾﻦ ﯾﻘﻮﻣ ﻮن ﺑ ﺼﻔﺔ‬ Ÿ
‫داﺋﻤ ﺔ ﺑﺈﯾ ﺪاﻋﺎت ﻧﻘﺪﯾ ﺔ ﻟﺘﻐﻄﯿ ﺔ‬
‫ﺣ ﻮاﻻت ﻧﻘﺪﯾ ﺔ أو ﺳ ﺤﻮﺑﺎت‬
.‫ﻣﺼﺮﻓﯿﺔ‬
‫اﻟﻌﻤ ﻼء اﻟ ﺬﯾﻦ ﯾﻘﻮﻣ ﻮن ﺑﺎﺳ ﺘﺒﺪال‬ Ÿ
‫ﻛﻤﯿﺎت ﻛﺒﯿﺮة ﻣﻦ ﻧﻘﻮد ذات ﻓﺌ ﺎت‬
.‫ﺻﻐﯿﺮه ﺑﻨﻘﻮد ذات ﻓﺌﺎت أﻋﻠﻰ‬
‫ وﺟ ﻮد إﯾ ﺪاﻋﺎت ﻧﻘﺪﯾ ﺔ ﻏﯿ ﺮ‬Ÿ
.‫ﻣﻌﺮوﻓﺔ اﻟﻤﺼﺪر‬
‫ﻏﺴﻞ اﻷﻣﻮال وﺗﻤﻮﯾﻞ اﻹرھﺎب ﺑﺎﺳﺘﺨﺪام‬
:‫ﻋﻤﻠﯿﺎت اﻟﻤﺼﺎرف‬
‫ اﻟﻌﻤﻼء اﻟﺬﯾﻦ ﯾﺮﻏﺒﻮن ﺑﺎﻻﺣﺘﻔ ﺎظ‬Ÿ
‫ﺑﻌ ﺪد ﻣ ﻦ اﻟﺤ ﺴﺎﺑﺎت ﺳ ﻮاءً ﻛﺎﻧ ﺖ‬
‫ ﺑﻤ ﺎ ﻻ‬،‫ﺑﺄﺳ ﻤﺎﺋﮭﻢ أو ﺑﺎﻟﻮﻛﺎﻟ ﺔ‬
. ‫ﯾﺘﻨﺎﺳﺐ ﻣﻊ ﻧﻮع ﻧﺸﺎﻃﮭﻢ‬
‫اﻟﻌﻤ ﻼء اﻟ ﺬﯾﻦ ﻟ ﺪﯾﮭﻢ ﺣ ﺴﺎﺑﺎت‬ Ÿ
‫ﻣﺘﻌ ﺪدة وﯾﻐ ﺬون ﺗﻠ ﻚ اﻟﺤ ﺴﺎﺑﺎت‬
‫ﻋﻠ ﻰ ﺣ ﺪة ﺑﺤﯿ ﺚ ﺗﻤﺜ ﻞ ﺣ ﺴﺎﺑﺎﺗﮭﻢ‬
.‫اﻹﺟﻤﺎﻟﯿﺔ ﻣﺒﻠﻐﺎ ﻛﺒﯿﺮا‬
‫أي ﺷ ﺮﻛﮫ أو) أﻓ ﺮاد ( ﻻ ﺗُُﻈﮭ ﺮ‬ Ÿ
‫ﺣ ﺴﺎﺑﺎﺗﮭﻢ أي ﻋﻤﻠﯿ ﺎت ﺷﺨ ﺼﯿﺔ‬
‫ﻣ ﺼﺮﻓﯿﺔ أو ﺗﻌﻜ ﺲ ﻧ ﺸﺎﻃﺎت‬
‫ وﻟﻜ ﻦ ﺗ ﺴﺘﻌﻤﻞ ﻻﺳ ﺘﻘﺒﺎل‬،‫ﻋﻤ ﻞ‬
‫أو دﻓ ﻊ ﻣﺒ ﺎﻟﻎ ﺿ ﺨﻤﺔ ﻟ ﯿﺲ ﻟﮭ ﺎ‬
‫ﻏ ﺮض واﺿ ﺢ أو ﺻ ﻠﺔ ﻷﻋﻤ ﺎل‬
‫ﺻﺎﺣﺐ اﻟﺤﺴﺎب ﻛﺎﻟﺤﺴﺎﺑﺎت ذات‬
‫ﻣﻌﺪل اﻟﺪوران اﻟﻤﺮﺗﻔﻊ دون ﺻﻠﺔ‬
.‫ﺑﻨﺸﺎط اﻟﻌﻤﯿﻞ‬
 • Delay in providing necessary data
  upon account opening, providing
minimal or false data; or upon
applying for account, the customer
provides data that are hardly
verified by the bank.
• The customer who has accounts at
several financial organizations in
the same region with no
justification.
• The withdrawn amounts are typically
the same as the deposited
amounts within close periods.
• Payment by checks, large amounts
by third party, endorsed in favor of
the customer, without clarifying
the nature of relation.
• Large cash withdrawals from
stagnant or inactive account or an
account receiving large overseas
remittances.
• Companies representatives avoidance of
direct contact with branch.
• Deposit by several persons to one
account without clear reason.
• Having several persons authorized for
signature concerning one account,
while those persons have no relation to
one another.
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‫اﻟﺘﺄﺧﺮ ﻓﻲ ﺗﻮﻓﯿﺮ اﻟﺒﯿﺎﻧﺎت اﻟﻼزﻣﺔ‬ Ÿ
‫ أو ﺗﻘ ﺪﯾﻢ‬،‫ﻋﻨ ﺪ ﻓ ﺘﺢ اﻟﺤ ﺴﺎب‬
،‫ﺑﯿﺎﻧ ﺎت ﺑﺎﻟﺤ ﺪود اﻟ ﺪﻧﯿﺎ أو وھﻤﯿ ﮫ‬
‫أو ﻋﻨﺪ اﻟﺘﻘ ﺪم ﺑﻄﻠ ﺐ ﻓ ﺘﺢ ﺣ ﺴﺎب‬
‫ﯾﻘ ﻮم اﻟﻌﻤﯿ ﻞ ﺑﺘﻘ ﺪﯾﻢ ﻣﻌﻠﻮﻣ ﺎت‬
‫ﯾ ﺼﻌﺐ ﻋﻠ ﻰ اﻟﺒﻨ ﻚ أن ﯾﺘﺤﻘ ﻖ‬
.‫ﻣﻨﮭﺎ‬
‫اﻟﻌﻤﯿ ﻞ اﻟ ﺬي ﯾﺘ ﻀﺢ ﺑ ﺄن ﻟ ﮫ‬ Ÿ
‫ﺣ ﺴﺎﺑﺎت ﻣ ﻊ ﻣﺆﺳ ﺴﺎت ﻣﺎﻟﯿ ﺔ‬
‫ﻣﺘﻌ ﺪدة ﻓ ﻲ ﻧﻔ ﺲ اﻟﻤﻨﻄﻘ ﺔ دون‬
.‫وﺟﻮد ﻣﺒﺮرات‬
‫ﺗﻄ ﺎﺑﻖ اﻟﻤﺒ ﺎﻟﻎ اﻟﻤ ﺴﺤﻮﺑﺔ ﻣ ﻊ‬ Ÿ
.ً‫اﻟﻤﻮدﻋﺔ ﻓﻲ ﻓﺘﺮات ﻣﺘﻘﺎرﺑﺔ ﺟﺪا‬
‫اﻟ ﺪﻓﻊ ﺑ ﺸﯿﻜﺎت ﺗﺘ ﻀﻤﻦ ﻣﺒ ﺎﻟﻎ‬ Ÿ
‫ﺿ ﺨﻤﺔ ﻣ ﻦ ﻃ ﺮف ﺛﺎﻟ ﺚ ﻣﺠﯿ ﺮة‬
‫ﻟ ﺼﺎﻟﺢ اﻟﻌﻤﯿ ﻞ دون وﺿ ﻮح‬
.‫ﻃﺒﯿﻌﺔ اﻟﻌﻼﻗﺔ‬
‫ﺳ ﺤﻮﺑﺎت ﻧﻘﺪﯾ ﺔ ﺿ ﺨﻤﺔ ﻣ ﻦ‬ Ÿ
‫ﺣﺴﺎب ﻛﺎن راﻛ ﺪاً أو ﻏﯿ ﺮ ﻧ ﺸﯿﻂ‬
‫أو ﻣ ﻦ ﺣ ﺴﺎب ﺗﻠﻘ ﻰ ﻋﻠ ﻰ‬
. ‫ﺗﺤﻮﯾﻼت ﺿﺨﻤﺔ ﻣﻦ اﻟﺨﺎرج‬
‫ﺗﺠﻨﺐ ﻣﻤﺜﻠ ﻲ اﻟ ﺸﺮﻛﺎت اﻹﺗ ﺼﺎل‬ Ÿ
.‫اﻟﻤﺒﺎﺷﺮ ﺑﺎﻟﻔﺮع‬
‫اﻹﯾﺪاع ﻣﻦ أﺷﺨﺎص ﻣﺘﻌﺪدﯾﻦ ﻓﻲ‬ Ÿ
.‫ﺣﺴﺎب واﺣﺪ دون ﺳﺒﺐ واﺿﺢ‬
‫وﺟ ﻮد ﻋ ﺪة ﻣﻔﻮﺿ ﯿﻦ ﺑ ﺎﻟﺘﻮﻗﯿﻊ‬ Ÿ
‫ﻋﻠ ﻰ ﺣ ﺴﺎب واﺣ ﺪ إﻻ أن ھ ﺆﻻء‬
.‫اﻷﺷﺨﺎص ﻻ ﺗﻮﺟﺪ ﻋﻼﻗﺔ ﺑﯿﻨﮭﻢ‬
 Money Laundry & Terrorist
 Financing Using Investment
Related Transactions:
• Purchasing financial securities
inappropriate to customer income.
• Large or unusual financial securities
in cash.
• Purchasing & Selling financial
securities without a clear purpose
or in inappropriate or unusual
times.
• Customer's taking unusual interest in
complying with the requirements
of combating money laundry &
terrorist financing, especially those
related to his identity and
business.
• Customer's desire to participate in
legally and economically unobvious
deals, or deals incompatible with
applicable investment strategy.
• Customer's non-interest in risk,
commissions or other expenses.
• Customer's performance of
transactions on behalf unknown
(person/persons) caring not to
provide information about
him/them.
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‫ﻏﺴﻞ اﻷﻣﻮال وﺗﻤﻮﯾﻞ اﻹرھﺎب ﺑﺎﺳﺘﺨﺪام‬
:‫اﻟﻌﻤﻠﯿﺎت ذات اﻟﺼﻠﺔ ﺑﺎﻻﺳﺘﺜﻤﺎر‬
‫ﺷﺮاء أوراق ﻣﺎﻟﯿﺔ ﻻ ﺗﺘﻨﺎﺳﺐ ﻣﻊ‬ Ÿ
.‫دﺧﻞ اﻟﻌﻤﯿﻞ‬
‫ﺗﺤ ﻮﯾﻼت ﻛﺒﯿ ﺮه أو ﻏﯿ ﺮ ﻣﻌﺘ ﺎدة‬ Ÿ
.‫ﻟﻸوراق اﻟﻤﺎﻟﯿﺔ ﻓﻲ ﺻﻮرة ﻧﻘﺪﯾﺔ‬
‫ﺷ ﺮاء وﺑﯿ ﻊ أوراق ﻣﺎﻟﯿ ﺔ دون‬ Ÿ
‫ﻏﺮض واﺿﺢ أو ﻓﻲ أوﻗﺎت ﺗﺒﺪو‬
.‫ﻏﯿﺮ ﻣﻨﺎﺳﺒﺔ أو ﻏﯿﺮ ﻋﺎدﯾﺔ‬
‫إﺑ ﺪاء اﻟﻌﻤﯿ ﻞ اھﺘﻤ ﺎم ﻏﯿ ﺮ ﻋ ﺎدي‬ Ÿ
‫ﺑﺸﺄن اﻻﻟﺘ ﺰام ﺑﻤﺘﻄﻠﺒ ﺎت ﻣﻜﺎﻓﺤ ﺔ‬
‫ﻏ ﺴﻞ اﻷﻣ ﻮال وﺗﻤﻮﯾ ﻞ اﻹرھ ﺎب‬
‫أو اﻟﺨﺎﺻﺔ ﺗﻠﻚ اﻟﻤﺘﻌﻠﻘﺔ ﺑﮭﻮﯾﺘﮫ و‬
. ‫ﻧﻮع ﻋﻤﻠﮫ‬
‫رﻏﺒ ﺔ اﻟﻌﻤﯿ ﻞ ﻓ ﻲ اﻟﻤ ﺸﺎرﻛﺔ ﻓ ﻲ‬ Ÿ
‫ﺻﻔﻘﺎت ﻏﯿ ﺮ واﺿ ﺤﺔ ﻣ ﻦ ﺣﯿ ﺚ‬
‫ﻏﺮﺿ ﮭﺎ اﻟﻘ ﺎﻧﻮﻧﻲ أو اﻻﻗﺘ ﺼﺎدي‬
‫أو ﻋﺪم اﻧﺴﺠﺎﻣﮭﺎ ﻣ ﻊ إﺳ ﺘﺮاﺗﯿﺠﯿﺔ‬
‫اﻻﺳﺘﺜﻤﺎر اﻟﻤﻌﻠﻨﺔ‬
‫ﻋ ﺪم اھﺘﻤ ﺎم اﻟﻌﻤﯿ ﻞ ﺑﺎﻟﻤﺨ ﺎﻃﺮ‬ Ÿ
‫واﻟﻌﻤ ﻮﻻت أو أي ﻣ ﺼﺎرﯾﻒ‬
. ‫أﺧﺮى‬
‫أن اﻟﻌﻤﯿﻞ ﯾﻘﻮم ﺑ ﺈﺟﺮاء ﻋﻤﻠﯿ ﺎت‬ Ÿ
(‫ أﺷ ﺨﺎص‬/‫ﻧﯿﺎﺑ ﺔً ﻋ ﻦ )ﺷ ﺨﺺ‬
‫ﻣﺠﮭ ﻮل ﻣ ﻊ ﺣﺮﺻ ﮫ ﻋﻠ ﻰ ﻋ ﺪم‬
‫ﺗ ﻮﻓﯿﺮ ﻣﻌﻠﻮﻣ ﺎت ﻋ ﻦ ﻣ ﺎ ﯾﻘ ﻮم‬
.‫ﺑﺎﻹﺳﺘﺜﻤﺎر ﻧﯿﺎﺑﺔً ﻋﻨﮫ‬
 • Not providing clear description of
  customer business nature.
• Customer's processing of several
telegram remittances to his
investment account, followed by a
direct request to transfer the
amount to a third party, without
clarifying relevant reason.
• Customer's performance of long term
investment followed shortly by an
investment liquidation request and
transferring proceeds from the
account.
• Customer's attempt to change or
cancel a deal, after being informed
of data audit or record saving
requirements.
• Customer's processing of several
telegram remittances that are
hardly explained despite the low
value of securities deals.
• Continuous change of customer
income sources.
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‫ﻋﺪم ﺗﻘﺪﯾﻢ وﺻﻒ واﺿﺢ ﻟﻄﺒﯿﻌﺔ‬ Ÿ
.‫ﻋﻤﻞ اﻟﻌﻤﯿﻞ‬
‫ﻗﯿ ﺎم اﻟﻌﻤﯿ ﻞ ﺑﺘﺤ ﻮﯾﻼت ﺑﺮﻗﯿ ﺔ‬ Ÿ
‫ﻣﺘﻌ ﺪدة ﻟﺤ ﺴﺎﺑﮫ اﻟﺨ ﺎص‬
‫ﺑﺎﻻﺳ ﺘﺜﻤﺎر ﯾﺘﺒﻌ ﮫ ﺑﻄﻠ ﺐ ﻣﺒﺎﺷ ﺮ‬
‫ﻟﺘﺤﻮﯾﻞ اﻟﻤﺒﻠﻎ ﻟﻄ ﺮف ﺛﺎﻟ ﺚ دون‬
.‫ﺗﻮﺿﯿﺢ اﻟﻐﺮض ﻣﻦ ذﻟﻚ‬
‫ﻗﯿ ﺎم اﻟﻌﻤﯿ ﻞ ﺑﺎﺳ ﺘﺜﻤﺎر ﻃﻮﯾ ﻞ‬ Ÿ
‫اﻷﺟﻞ ﯾﺘﺒﻌﮫ ﺑﻌﺪ ﻣﺪة وﺟﯿﺰة ﻃﻠﺐ‬
‫ﺗ ﺼﻔﯿﺔ اﻟﻮﺿ ﻊ اﻻﺳ ﺘﺜﻤﺎري‬
.‫وﺗﺤﻮﯾﻞ اﻟﻌﺎﺋﺪ ﻣﻦ اﻟﺤﺴﺎب‬
‫ﻣﺤﺎوﻟ ﺔ اﻟﻌﻤﯿ ﻞ ﺗﻐﯿﯿ ﺮ ﺻ ﻔﻘﺔ أو‬ Ÿ
‫إﻟﻐﺎﺋﮭ ﺎ ﺑﻌ ﺪ ﺗﺒﻠﯿﻐ ﮫ ﺑﻤﺘﻄﻠﺒ ﺎت‬
‫ﺗ ﺪﻗﯿﻖ اﻟﻤﻌﻠﻮﻣ ﺎت أو ﺣﻔ ﻆ‬
‫اﻟﺴﺠﻼت ﻣﻦ اﻟﺸﺨﺺ اﻟﻤﺮﺧﺺ‬
. ‫ﻟﮫ‬
‫ﻗﯿ ﺎم اﻟﻌﻤﯿ ﻞ ﺑﻌ ﺪد ﻛﺒﯿ ﺮ ﻣ ﻦ‬ Ÿ
‫اﻟﺤ ﻮاﻻت اﻟﺒﺮﻗﯿ ﺔ اﻟﺘ ﻲ ﯾ ﺼﻌﺐ‬
‫ﺗﻔ ﺴﯿﺮھﺎ ﻋﻠ ﻰ اﻟ ﺮﻏﻢ ﻣ ﻦ ﺗ ﺪﻧﻲ‬
‫ﻗﯿﻤﺔ ﺻﻔﻘﺎت اﻷوراق اﻟﻤﺎﻟﯿﺔ‬
‫ﺗﻐﯿﯿﺮ ﻣﺼﺎدر دﺧﻞ اﻟﻌﻤﯿﻞ ﺑﺸﻜﻞ‬ Ÿ
.‫ﻣﺴﺘﻤﺮ‬
 Money Laundry & Terrorist
 Financing Through Overseas
Activities:
• Customer's performance of
transactions from a country known
to be dealing, trading, planting or
producing narcotics or having
political disorders.
• Using Letters of credits and other
commercial conversion methods to
mobilize funds among countries,
where commercial activity is
incompatible with customer's usual
activity.
• Customers who collect large credits,
which may not be compatible their
business circulation rate, then
processing transfers to overseas
accounts.
• Frequent requests of travelers'
checks or overseas withdrawals or
any transferable instruments within
close periods.
• Paying off checks or foreign cash
withdrawals, especially if issued
overseas, within close periods.
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‫ﻏﺴﻞ اﻷﻣﻮال وﺗﻤﻮﯾﻞ اﻹرھﺎب ﻣﻦ ﺧﻼل‬
-: ‫اﻟﻨﺸﺎﻃﺎت ﺧﺎرج اﻟﺤﺪود‬
‫إﺟ ﺮاء اﻟﻌﻤﯿ ﻞ ﻋﻤﻠﯿ ﺎت ﻣ ﻦ ﺑﻠ ﺪ‬ Ÿ
‫ﻣﻌ ﺮوف ﺑﺘﺠ ﺎرة وﺗ ﺮوﯾﺞ أو‬
‫زراﻋ ﺔ أو إﻧﺘ ﺎج اﻟﻤﺨ ﺪرات أو‬
.‫ﻓﯿﮭﺎ اﺿﻄﺮاﺑﺎت ﺳﯿﺎﺳﯿﺔ‬
‫اﺳ ﺘﺨﺪام اﻹﻋﺘﻤ ﺎدات اﻟﻤ ﺴﺘﻨﺪﯾﺔ‬ Ÿ
‫ووﺳ ﺎﺋﻞ اﻟﺘﺤﻮﯾ ﻞ اﻟﺘﺠ ﺎري‬
‫اﻷﺧ ﺮى ﻟﺘﺤﺮﯾ ﻚ اﻷﻣ ﻮال ﺑ ﯿﻦ‬
‫اﻟ ﺪول ﺣﯿ ﺚ ﻻ ﯾﻜ ﻮن اﻟﻨ ﺸﺎط‬
‫اﻟﺘﺠﺎري ﻣﺘﻮاﻓﻘﺎً ﻣﻊ ﻧﺸﺎط اﻟﻌﻤﯿﻞ‬
.‫اﻟﻤﻌﺘﺎد‬
‫اﻟﻌﻤ ﻼء اﻟ ﺬﯾﻦ ﯾﺠﻤﻌ ﻮن أرﺻ ﺪة‬ Ÿ
‫ﺿﺨﻤﺔ وﺑﻤﺎ ﻻ ﯾﺘﻨﺎﺳﺐ ﻣﻊ ﻣﻌﺪل‬
‫ ﺛ ﻢ‬، ‫دوران ﻧ ﺸﺎط أﻋﻤ ﺎﻟﮭﻢ‬
‫أﺟﺮاء ﺗﺤﻮﯾﻼت إﻟﻰ ﺣﺴﺎﺑﺎت ﻓﻲ‬
.‫اﻟﺨﺎرج‬
‫اﻟﻄﻠﺒ ﺎت اﻟﻤﺘﻜ ﺮرة ﻋﻠ ﻰ ﻓﺘ ﺮات‬ Ÿ
‫ﻣﺘﻘﺎرﺑ ﺔ ﻟ ﺸﯿﻜﺎت ﺳ ﯿﺎﺣﯿﺔ أو‬
‫ﺳ ﺤﻮﺑﺎت ﺧﺎرﺟﯿ ﺔ أو أي ﻣ ﻦ‬
‫اﻷدوات اﻟﻘﺎﺑﻠﺔ ﻟﻠﺘﺤﻮﯾ ﻞ اﻟﺘ ﻲ ﯾ ﺘﻢ‬
‫إﺻﺪارھﺎ‬
‫اﻟ ﺼﺮف ﻋﻠ ﻰ ﻓﺘ ﺮات ﻣﺘﻘﺎرﺑ ﺔ‬ Ÿ
‫ﻟﺸﯿﻜﺎت ﺳ ﯿﺎﺣﯿﺔ أو ﺳ ﺤﻮﺑﺎت ﻧﻘ ﺪ‬
‫أﺟﻨﺒ ﻲ ﺧﺎﺻ ﺔ إذا ﻛﺎﻧ ﺖ ﻧ ﺸﺄت‬
. ‫ﺑﺎﻟﺨﺎرج‬
 Money Laundry & Terrorist
 Financing Using Insurance
Activity:
• The delay or the hesitation of the
insurance party to provide
information to allow finalizing
customer verification.
• The Insurance party's identification
by an agent /broker working in a
market of no or low regulation.
• The insurance party's unexpected
pre-payment of insurance
installment.
• The insurance party's request to
purchase a large portion of a
contract with a lump sum, while
the party usually provides small
and regular payments.
• The insurance party's transfer the
benefit of any product to a third
party having no apparent
connection thereto.
• The insurance party's substitution of
the beneficiary with a third party
having no apparent connection
thereto.
• The insurance party's termination of a
product in an early phase, while loss
occurs and refund check is directed to
a third party.
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‫ﻏﺴﻞ اﻷﻣﻮال وﺗﻤﻮﯾﻞ اﻹرھﺎب ﺑﺎﺳﺘﺨﺪام‬
-: ‫ﻧﺸﺎط اﻟﺘﺄﻣﯿﻦ‬
‫ﺗﺄﺧﺮ ﻃﺮف اﻟﺘﺎﻣﯿﻦ أو ﺗﺮدده ﻓﻲ‬ Ÿ
‫إﻋﻄ ﺎء اﻟﻤﻌﻠﻮﻣ ﺎت ﻣ ﻦ اﺟ ﻞ‬
.‫اﻟﺴﻤﺎح ﺑﺈﻧﮭﺎء اﻟﺘﺤﻘﻖ ﻣﻦ اﻟﻌﻤﯿﻞ‬
‫ﯾﻌّ ﺮف ﻃ ﺮف اﻟﺘ ﺄﻣﯿﻦ ﻣ ﻦ ﻗﺒ ﻞ‬ Ÿ
‫ وﺳ ﯿﻂ ﯾﻌﻤ ﻞ ﻓ ﻲ ﺳ ﻮق‬/ ‫وﻛﯿ ﻞ‬
.‫ﻏﯿﺮ ﻣﻨﻈﻢ أو ﻗﻠﯿﻞ اﻟﺘﻨﻈﯿﻢ‬
‫أن ﯾ ﺪﻓﻊ ﻃ ﺮف اﻟﺘ ﺄﻣﯿﻦ أﻗ ﺴﺎط‬ Ÿ
.‫اﻟﺘﺄﻣﯿﻦ ﻣﻘﺪﻣﺎً ﺑﺸﻜﻞ ﻏﯿﺮ ﻣﺘﻮﻗﻊ‬
‫أن ﯾﻄﻠ ﺐ ﻃ ﺮف اﻟﺘ ﺄﻣﯿﻦ ﺷ ﺮاء‬ Ÿ
‫ﺟﺰء ﻛﺒﯿﺮ ﻣﻦ ﻋﻘﺪ ﺑﻤﺒﻠﻎ ﻣﻘﻄﻮع‬
‫ﺑﯿﻨﻤﺎ ﻋ ﺎدة ﯾ ﺴﺪد اﻟﻄ ﺮف دﻓﻌ ﺎت‬
.‫ﺻﻐﯿﺮة وﻣﻨﺘﻈﻤﺔ‬
‫أن ﯾﻨﻘ ﻞ ﻃ ﺮف اﻟﺘ ﺄﻣﯿﻦ ﻣﻨﻔﻌ ﺔ‬ Ÿ
‫ﻣﻨﺘﺞ ﻣﺎ إﻟﻰ ﻃﺮف ﺛﺎﻟﺚ ﻟ ﯿﺲ ﻟ ﮫ‬
. ‫ﺻﻠﺔ ﻇﺎھﺮة ﺑﮫ‬
‫أن ﯾ ﺴﺘﺒﺪل ﻃ ﺮف اﻟﺘ ﺄﻣﯿﻦ‬ Ÿ
‫اﻟﻤﺴﺘﻔﯿﺪ اﻷول ﺑﻄﺮف ﺛﺎﻟﺚ ﻟﯿﺲ‬
. ‫ﻟﮭﺎ ﺻﻠﺔ ﻇﺎھﺮة ﺑﮫ‬
‫أن ﯾﻨﮭﻲ ﻃﺮف اﻟﺘﺄﻣﯿﻦ ﻣﻨﺘﺠﺎ ﻓﻲ‬ Ÿ
‫ﻣﺮﺣﻠ ﺔ ﻣﺒﻜ ﺮة ﻓ ﻲ ﺣ ﺎل ﺣ ﺼﻮل‬
‫ﺧ ﺴﺎرة وﯾﻮﺟ ﮫ ﺷ ﯿﻚ اﻻﺳ ﺘﺮداد‬
.‫إﻟﻰ ﻃﺮف ﺛﺎﻟﺚ‬
  Money Laundry & Terrorist
Financing Using Trading
Transactions:
• Customers payment of large
amounts in cash and requesting
goods delivery abroad.
• Cash transactions of Large amounts
without knowing their source and
customer business nature.
• Dealing with an institution having no
capability to provide banking
credits and documents or other
banking transactions like
profitability for partnership.
‫ﻏﺴﻞ اﻷﻣﻮال وﺗﻤﻮﯾﻞ اﻹرھﺎب ﺑﺎﺳﺘﺨﺪام‬
-: ‫ﻋﻤﻠﯿﺎت ﺗﺠﺎرﯾﺔ‬
‫ﻗﯿ ﺎم اﻟﻌﻤﯿ ﻞ ﻣ ﻊ اﻟﻤﻨ ﺸﺄة ﺑﺎﻟ ﺴﺪاد‬ Ÿ
‫اﻟﻨﻘ ﺪي ﺑﻤﺒ ﺎﻟﻎ ﺿ ﺨﻤﺔ وﻃﻠﺒ ﮫ‬
.‫ﺗﺴﻠﯿﻢ اﻟﺒﻀﺎﺋﻊ ﻓﻲ اﻟﺨﺎرج‬
‫اﻟﺘﻌﺎﻣ ﻞ اﻟﻨﻘ ﺪي ﺑﻤﺒ ﺎﻟﻎ ﺿ ﺨﻤﺔ‬ Ÿ
‫دون ﻣﻌﺮﻓ ﺔ ﻣ ﺼﺪرھﺎ وﻃﺒﯿﻌ ﺔ‬
.‫ﻧﺸﺎط اﻟﻌﻤﯿﻞ‬
‫ﻋﻨﺪ اﻟﺘﻌﺎﻣﻞ ﻣﻊ ﻣﻨﺸﺄة ﻟﯿﺲ ﻟ ﺪﯾﮭﺎ‬ Ÿ
‫اﻟﻘ ﺪرة ﻋﻠ ﻰ ﺗ ﻮﻓﯿﺮ إﻋﺘﻤ ﺎدات‬
‫وﻣﺴﺘﻨﺪات ﺑﻨﻜﯿﺔ أو ﻋﻤﻠﯿﺎت ﺑﻨﻜﯿﺔ‬
‫أﺧ ﺮى ﻣﺜ ﻞ اﻟﻤﺮاﺑﺤ ﺔ أو‬
.‫اﻟﻤﺸﺎرﻛﺔ‬

• Commercial transaction with ‫اﻟﺘﻌﺎﻣ ﻞ اﻟﺘﺠ ﺎري ﻣ ﻊ أﺷ ﺨﺎص‬ Ÿ

temporarily resident individuals ‫ﻟﮭ ﻢ إﻗﺎﻣ ﺔ ﻣﺆﻗﺘ ﺔ ﺑﻤﺒ ﺎﻟﻎ ﻛﺒﯿ ﺮة‬
with large amounts for a short ‫وﺑﻔﺘﺮة ﻗ ﺼﯿﺮة ﻣ ﻊ ﻋ ﺪم وﺿ ﻮح‬
period, without clarifying the .‫ﻣﺼﺎدر ﺗﻠﻚ اﻟﻤﺒﺎﻟﻎ‬
source of such amounts.
• Customer non-submission of
‫ﻋ ﺪم ﺗﻘ ﺪﯾﻢ اﻟﻌﻤﯿ ﻞ ﻟﻠ ﺴﺠﻞ‬ Ÿ
commercial register that indicates
‫اﻟﺘﺠ ﺎري اﻟ ﺬي ﯾﻮﺿ ﺢ ﻃﺒﯿﻌ ﺔ‬
his commercial activity.
. ‫ﻧﺸﺎﻃﮫ اﻟﺘﺠﺎري‬
‫ﻋﻨ ﺪ اﻟﺘﻌﺎﻣ ﻞ ﻣ ﻊ ﻣﻨ ﺸﺄة ﻓ ﻲ ﺑﻠ ﺪ‬ Ÿ
• Dealing with an institution in a
‫ﻣﻌ ﺮوف ﺑﺘﺠ ﺎرة أو زراﻋ ﺔ أو‬
country known to be dealing,
‫إﻧﺘ ﺎج اﻟﻤﺨ ﺪرات أو اﺿ ﻄﺮاﺑﺎت‬
trading, planting or producing
‫ﺳﯿﺎﺳ ﯿﺔ أو دول ﻻ ﺗﻄﺒ ﻖ‬
narcotics or having political
.‫إﺟﺮاءات ﻣﻜﺎﻓﺤﺔ ﻏﺴﻞ اﻷﻣﻮال‬
disorders; or countries not applying
anti-money laundry procedures.

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 • Customer's purchase of commodities
  in cash from the institution and
selling them at a lower price under
financial instruments without
clarifying the commercial purpose
of this transaction.
• Customers selling a commodity to an
institution at a price lower than market
value or purchasing at prices higher
than their actual values.
• Institution dealing with a customer
that is apparently financially
inappropriate, without having
information about him
Taking Necessary Professional
Care :
All financial and non-financial
organizations must take necessary
professional care, keeping in their
records the necessary documents of
their customers identity, business
nature, and regularity; besides the
documentation of performed
transactions.
Necessary professional care must
be taken in all organizations upon:
1. Making a business relation.
2. Availability of reasons to suspect
money laundry or terrorist
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‫ﻋﻨﺪ ﻗﯿﺎم اﻟﻌﻤﯿﻞ ﺑ ﺸﺮاء ﺳ ﻠﻊ ﻧﻘ ﺪًا‬ Ÿ
‫ﻣﻦ اﻟﻤﻨﺸﺄة وﻣﻦ ﺛﻢ ﺑﯿﻌﮭﺎ ﻣﺒﺎﺷﺮة‬
‫ﺑ ﺴﻌﺮ أﻗ ﻞ ﺑﻤﻮﺟ ﺐ أدوات ﻣﺎﻟﯿ ﺔ‬
‫دون وﺿﻮح اﻟﮭﺪف اﻟﺘﺠﺎري ﻣﻦ‬
.‫ﺗﻠﻚ اﻟﻌﻤﻠﯿﺔ‬
‫ﻗﯿﺎم اﻟﻌﻤﯿﻞ ﺑﺒﯿﻊ ﺳﻠﻊ ﻋﻠ ﻰ ﻣﻨ ﺸﺄة‬ Ÿ
‫ﺗﻘ ﻞ ﻋ ﻦ ﻗﯿﻤﺘﮭ ﺎ اﻟ ﺴﻮﻗﯿﺔ ﺑ ﺸﻜﻞ‬
‫ﻛﺒﯿ ﺮ أو ﺷ ﺮاء اﻟ ﺴﻠﻌﺔ ﺑﻤﺒ ﺎﻟﻎ‬
.‫ﺗﻔﻮق ﻗﯿﻤﺘﮭﺎ اﻟﺤﻘﯿﻘﯿﺔ‬
‫ﻋﻨ ﺪ ﺗﻌﺎﻣ ﻞ اﻟﻤﻨ ﺸﺄة ﻣ ﻊ ﻋﻤﯿ ﻞ ﻻ‬ Ÿ
‫ﯾﺒ ﺪو ﻣ ﻦ ﻣﻈﮭ ﺮه اﻟﺨ ﺎرﺟﻲ‬
‫اﻟﻤﻼﺋﻤ ﺔ اﻟﻤﺎﻟﯿ ﺔ ﻣ ﻊ ﻋ ﺪم ﺗ ﻮﻓﺮ‬
.‫ﻣﻌﻠﻮﻣﺎت ﻋﻨﮫ‬
: ‫ﺑﺬل اﻟﻌﻨﺎﯾﺔ اﻟﻤﮭﻨﯿﺔ اﻟﻼزﻣﺔ‬
‫ﻋﻠ ﻰ ﺟﻤﯿ ﻊ اﻟﻤﺆﺳ ﺴﺎت اﻟﻤﺎﻟﯿ ﺔ‬
‫وﻏﯿ ﺮ اﻟﻤﺎﻟﯿ ﺔ أن ﺗﺒ ﺬل اﻟﻌﻨﺎﯾ ﺔ‬
‫اﻟﻤﮭﻨﯿ ﺔ اﻟﻼزﻣ ﺔ وأن ﺗﺤ ﺘﻔﻆ‬
‫ﺑﺎﻟﻤ ﺴﺘﻨﺪات اﻟﻼزﻣ ﺔ ﻓ ﻲ‬
‫ﺳ ﺠﻼﺗﮭﺎ ﻋ ﻦ ھﻮﯾ ﺔ وﻧﻈﺎﻣﯿ ﺔ‬
‫اﻷﺷ ﺨﺎص اﻟﻤﺘﻌ ﺎﻣﻠﯿﻦ ﻣﻌﮭ ﺎ‬
‫وﻃﺒﯿﻌ ﺔ وﻧ ﻮع اﻟﻨ ﺸﺎط اﻟ ﺬي‬
‫ﯾﻤﺎرﺳﻮﻧﮫ ﺑﺎﻹﺿﺎﻓﺔ إﻟ ﻰ ﺗﻮﺛﯿ ﻖ‬
.‫اﻟﻌﻤﻠﯿﺎت اﻟﻤﻨﻔﺬة‬
‫ﯾﺠ ﺐ أن ﺗﺒ ﺬل اﻟﻌﻨﺎﯾ ﺔ اﻟﻤﮭﻨﯿ ﺔ‬
‫اﻟﻼزﻣ ﺔ ﻓ ﻲ ﻛ ﻞ اﻟﻤﺆﺳ ﺴﺎت‬
: ‫ﻋﻨﺪ‬
.‫ إﻗﺎﻣﺔ ﻋﻼﻗﺔ ﺗﺠﺎرﯾﺔ‬-١
‫ ﺗ ﻮﻓﺮ أﺳ ﺒﺎب ﻟﻼﺷ ﺘﺒﺎه‬-٢
‫ﺑﻮﺟ ﻮد ﻏ ﺴﻞ أﻣ ﻮال‬
 financing. .‫أو ﺗﻤﻮﯾﻞ إرھﺎب‬
 3. Doubting any information submitted ‫ وﺟ ﻮد أدﻧ ﻰ ﺷ ﻚ ﻓ ﻲ‬-٣
by customers and such information ‫اﻟﻤﻌﻠﻮﻣ ﺎت اﻟﻤﻘﺪﻣ ﺔ‬
insufficiency ‫ﻟﮭﺎ وﻋﺪم ﻛﻔﺎﯾﺘﮭﺎ ﻣﻦ‬
.‫اﻟﻌﻤﻼء‬

Minimum Necessary Professional ‫وﺗﺘ ﻀﻤﻦ اﻟﺤ ﺪود اﻟ ﺪﻧﯿﺎ ﻟﺒ ﺬل‬

Care to be taken involves the ‫اﻟﻌﻨﺎﯾﺔ اﻟﻤﮭﻨﯿﺔ اﻟﻼزﻣ ﺔ اﻟﻨﻘ ﺎط‬
following : :‫اﻟﺘﺎﻟﯿﺔ‬
‫ اﻟﺘﺤﻘ ﻖ ﻣ ﻦ ھﻮﯾ ﺔ‬-١
1. Verifying customer's identity. .‫اﻟﻌﻤﯿﻞ‬
‫ اﻟﺘﺤﻘ ﻖ ﻣ ﻦ ھﻮﯾ ﺔ‬-٢
2. Verifying the identity of partners
‫اﻟ ﺸﺮﻛﺎء واﻟﻤﻔﻮﺿ ﯿﻦ‬
and authorized persons and their .‫وﺻﻼﺣﯿﺎﺗﮭﻢ‬
‫ اﻟﺘﺤﻘ ﻖ ﻣ ﻦ ھ ﺪف‬-٣
powers.
‫وﻃﺒﯿﻌ ﺔ اﻟﻨ ﺸﺎط اﻟ ﺬي‬
3. Verifying the purpose and the .‫ﯾﻤﺎرﺳﮫ اﻟﻌﻤﯿﻞ‬
nature of customer's activity.

Employee Training & Qualification :‫اﻟﺘﺪرﯾﺐ وﺗﺄھﯿﻞ اﻟﻤﻮﻇﻔﯿﻦ‬

: ‫ﻋﻠﻰ اﻟﻤﺆﺳ ﺴﺎت اﻟﻤﺎﻟﯿ ﺔ وﻏﯿ ﺮ اﻟﻤﺎﻟﯿ ﺔ‬
Financial and non-financial ‫إﻋ ﺪاد ﺑ ﺮاﻣﺞ ﺗﺪرﯾﺒﯿ ﺔ ﻣ ﺴﺘﻤﺮة‬
organizations must prepare continuous ‫ﻟﻠﻤ ﻮﻇﻔﯿﻦ اﻟﻤﺨﺘ ﺼﯿﻦ ﻹﺣ ﺎﻃﺘﮭﻢ‬
training programs for specialized
‫ﺑﺎﻟﻤﺴﺘﺠﺪات ﻓ ﻲ ﻣﺠ ﺎل ﻋﻤﻠﯿ ﺎت ﻏ ﺴﻞ‬
employees to inform them of money
‫ وﺑﻤﺎ ﯾﺮﻓ ﻊ ﻣ ﻦ ﻗ ﺪراﺗﮭﻢ ﻓ ﻲ‬، ‫اﻷﻣﻮال‬
laundry transactions updates;
‫اﻟﺘﻌﺮف ﻋﻠ ﻰ ﺗﻠ ﻚ اﻟﻌﻤﻠﯿ ﺎت وأﻧﻤﺎﻃﮭ ﺎ‬
‫وﻛﯿﻔﯿﺔ اﻟﺘ ﺼﺪي ﻟﮭ ﺎ ﻋ ﻦ ﻃﺮﯾ ﻖ ﺗﻨﻔﯿ ﺬ‬
developing their efficiency in
‫ﺑﺮاﻣﺞ اﻹﻋﺪاد واﻟﺘﺄھﯿﻞ واﻟﺘ ﺪرﯾﺐ ﻓ ﻲ‬
identifying such transactions and their
‫ﻣﺠﺎل ﻣﻜﺎﻓﺤﺔ ﻏ ﺴﻞ اﻷﻣ ﻮال ﺑﺎﻟﻤﻌﺎھ ﺪ‬
patterns and the way of facing them;
،‫اﻟﻤﺘﺨﺼﺼﺔ ﻣﺤﻠﯿﺔ ﻛﺎﻧﺖ أو ﺧﺎرﺟﯿ ﺔ‬
that is by performing Preparation,
‫وﯾﺮاﻋ ﻲ ﻓ ﻲ إﻋ ﺪاد اﻟﺒ ﺮاﻣﺞ اﻟﺘﺪرﯾﺒﯿ ﺔ‬
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 qualification and training programs of : ‫أن ﺗﺸﺘﻤﻞ ﻋﻠﻰ اﻵﺗﻲ‬
 anti-money laundry at the specialized
institutes locally and abroad; provided
such training programs include:
A. Conventions, laws and ‫ اﻻﺗﻔﺎﻗﯿ ﺎت واﻷﻧﻈﻤ ﺔ واﻟﻘﻮاﻋ ﺪ‬-‫أ‬
regulations related to anti- ‫واﻟﺘﻌﻠﯿﻤ ﺎت ذات اﻟ ﺼﻠﺔ ﺑﻤﻜﺎﻓﺤ ﺔ ﻏ ﺴﻞ‬
money laundry. . ‫اﻷﻣﻮال‬
B. Controlling authority policies ‫ﺳﯿﺎﺳ ﺎت وأﻧﻈﻤ ﺔ اﻟﺠﮭ ﺎت اﻟﺮﻗﺎﺑﯿ ﺔ‬-‫ب‬
and regulations of anti-money . ‫ﻓﻲ ﻣﺠﺎل ﻣﻜﺎﻓﺤﺔ ﻏﺴﻞ اﻷﻣﻮال‬
laundry.
C. The updates of money laundry ‫اﻟﻤﺴﺘﺠﺪات ﻓﻲ ﻣﺠﺎل ﻋﻤﻠﯿﺎت ﻏﺴﻞ‬-‫ج‬
transactions and other
‫اﻷﻣﻮال واﻟﻌﻤﻠﯿﺎت اﻟﻤ ﺸﺒﻮھﺔ اﻷﺧ ﺮى‬
suspicious transactions and
‫وﻛﯿﻔﯿ ﺔ اﻟﺘﻌ ﺮف ﻋﻠ ﻰ ﺗﻠ ﻚ اﻟﻌﻤﻠﯿ ﺎت‬
how to identify and face them
. ‫وأﻧﻈﻤﺘﮭﺎ وﻛﯿﻔﯿﺔ اﻟﺘﺼﺪي ﻟﮭﺎ‬
and their systems.
‫ اﻟﻤ ﺴﺌﻮﻟﯿﺔ اﻟﺠﻨﺎﺋﯿ ﺔ واﻟﻤﺪﻧﯿ ﺔ ﻟﻜ ﻞ‬-‫د‬
D. Employee criminal & civil
‫ﻣﻮﻇ ﻒ ﺑﻤﻮﺟ ﺐ اﻷﻧﻈﻤ ﺔ واﻟﻠ ﻮاﺋﺢ‬
responsibility as per relative
.‫واﻟﺘﻌﻠﯿﻤﺎت ذات اﻟﺼﻠﺔ‬
regulations, bylaws and
instructions.

Records Saving: :‫اﻻﺣﺘﻔﺎظ ﺑﺎﻟﺴﺠﻼت‬

Financial and non-financial
organizations have to keep records for
a minimum period of ten years since
transaction end or account closing..
pursuant to anti-money laundry law,
considering the following:
1.Financial and non-financial
organizations have to keep copies of
29
‫ﻋﻠ ﻰ اﻟﻤﺆﺳ ﺴﺎت اﻟﻤﺎﻟﯿ ﺔ وﻏﯿ ﺮ اﻟﻤﺎﻟﯿ ﺔ‬
‫اﻻﺣﺘﻔ ﺎظ ﺑﺎﻟ ﺴﺠﻼت ﻟﻤ ﺪة ﻻ ﺗﻘ ﻞ ﻋ ﻦ‬
‫ﻋﺸﺮ ﺳﻨﻮات ﻣﻦ ﺗﺎرﯾﺦ اﻧﺘﮭﺎء اﻟﻌﻤﻠﯿﺔ أو‬
‫ﻗﻔ ﻞ اﻟﺤ ﺴﺎب وﻓ ﻖ ﻣ ﺎ ورد ﻓ ﻲ ﻧﻈ ﺎم‬
‫ ﻋﻠﻰ أن‬،‫ﻣﻜﺎﻓﺤﺔ ﻏﺴﻞ اﻷﻣﻮال‬
:‫ﯾﺘﻢ ﻣﺮاﻋﺎة اﻟﻨﻘﺎط اﻟﺘﺎﻟﯿﺔ‬
‫ ﺗﺤ ﺘﻔﻆ اﻟﻤﺆﺳ ﺴﺎت اﻟﻤﺎﻟﯿ ﺔ وﻏﯿ ﺮ‬-١
‫اﻟﻤﺎﻟﯿ ﺔ ﺑﻨ ﺴﺨﺔ ﻣ ﻦ إﺛﺒ ﺎت ھﻮﯾ ﺔ‬
‫ وﺑﻜ ﻞ ﻣ ﺴﺘﻨﺪ‬،‫اﻟﻤﺘﻌ ﺎﻣﻠﯿﻦ ﻣﻌﮭ ﺎ‬

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 customers identities and copies of
 performed transactions.
2.Financial and non-financial
organizations have to keep a record
including all performed transactions
details , to be able to answer any
queries requested by Financial
Intelligence Unit or Judicial Authority,
within the specified period.
3. When Financial and non-financial
organizations are requested, under this
law, to provide a copy of these records
or documents prior to the end of
saving period, they have to keep
original records or documents until the
end of request matter or keeping their
delivery statement.
Penalties
Anti-money laundry law includes in
articles (16,17,18,19,20) penalties to
money launderers up to 15 years
imprisonment, a seven million financial
penalty and confiscating crime funds or
stuff.
Reporting Mechanism of
Suspicious Transactions To FIU:
Upon having enough evidence and
indication of complicated or unusual
transaction, suspected to be related to
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.‫ﯾﺘﻌﻠﻖ ﺑﺎﻟﻤﻌﺎﻣﻼت اﻟﺘﻲ ﺗﻘﻮم ﺑﮭﺎ‬
‫ ﺗﺤ ﺘﻔﻆ اﻟﻤﺆﺳ ﺴﺎت اﻟﻤﺎﻟﯿ ﺔ وﻏﯿ ﺮ‬-٢
‫اﻟﻤﺎﻟﯿﺔ ﺑ ﺴﺠﻞ ﯾ ﺸﻤﻞ ﻛﺎﻓ ﺔ ﺗﻔﺎﺻ ﯿﻞ‬
‫اﻟﺘﻌ ﺎﻣﻼت اﻟﺘ ﻲ ﺗﺠﺮﯾﮭ ﺎ ﺣﺘ ﻰ ﯾ ﺘﻢ‬
‫اﻟﺘﺄﻛ ﺪ ﻣ ﻦ اﻹﺟﺎﺑ ﺔ ﺧ ﻼل اﻟﻤ ﺪة‬
‫اﻟﻤﺤﺪدة ﻋﻦ أﯾﺔ اﺳﺘﻔﺴﺎرات ﺗﻄﻠﺒﮭﺎ‬
‫وﺣ ﺪة اﻟﺘﺤﺮﯾ ﺎت اﻟﻤﺎﻟﯿ ﺔ أو اﻟﺠﮭ ﺔ‬
.‫اﻟﻘﻀﺎﺋﯿﺔ‬
‫ ﻋﻨ ﺪﻣﺎ ﯾﻄﻠ ﺐ ﻣ ﻦ اﻟﻤﺆﺳ ﺴﺎت‬-٣
‫اﻟﻤﺎﻟﯿ ﺔ وﻏﯿ ﺮ اﻟﻤﺎﻟﯿ ﺔ ﺑﻤﻘﺘ ﻀﻰ‬
‫أﺣﻜﺎم ھﺬا اﻟﻨﻈ ﺎم ﺗ ﺴﻠﯿﻢ ﻧ ﺴﺨﺔ ﻣ ﻦ‬
‫اﻟﺴﺠﻼت أو اﻟﻤ ﺴﺘﻨﺪات ﻗﺒ ﻞ ﻧﮭﺎﯾ ﺔ‬
‫ﻣ ﺪة اﻟﺤﻔ ﻆ ﻓﺈﻧ ﮫ ﯾﺘﻌ ﯿﻦ ﻋﻠﯿﮭ ﺎ‬
‫اﻻﺣﺘﻔ ﺎظ ﺑﺎﻟ ﺴﺠﻼت أو اﻟﻤ ﺴﺘﻨﺪات‬
‫اﻷﺳﺎﺳ ﯿﺔ ﺣﺘ ﻰ ﻧﮭﺎﯾ ﺔ ﻣﻮﺿ ﻮع‬
.‫اﻟﻄﻠﺐ واﻻﺣﺘﻔﺎظ ﺑﺒﯿﺎن ﺗﺴﻠﯿﻤﮭﺎ‬
‫اﻟﻌﻘﻮﺑﺎت‬
‫ﯾﺘﻀﻤﻦ ﻧﻈ ﺎم ﻣﻜﺎﻓﺤ ﺔ ﻏ ﺴﻞ اﻷﻣ ﻮال ﻓ ﻲ‬
(٢٠، ١٩، ١٨، ١٧، ١٦) ‫ﻮاد‬ ‫اﻟﻤ‬
‫ﻋﻘﻮﺑ ﺎت ﻋﻠ ﻰ ﻣﺮﺗﻜﺒ ﻲ ﺟﺮﯾﻤ ﺔ ﻏ ﺴﻞ‬
‫اﻷﻣ ﻮال ﺗ ﺼﻞ ﻛﺤ ﺪٍ أﻋﻠ ﻰ إﻟ ﻰ اﻟ ﺴﺠﻦ‬
‫ﺧﻤ ﺲ ﻋ ﺸﺮة ﺳ ﻨﺔ وﻏﺮاﻣ ﺔ ﻣﺎﻟﯿ ﺔ ﺳ ﺒﻌﺔ‬
‫ﻣﻼﯾ ﯿﻦ رﯾ ﺎل وﻣ ﺼﺎدرة اﻷﻣ ﻮال أو‬
. ‫اﻟﻤﺘﺤﺼﻼت أو اﻟﻮﺳﺎﺋﻂ ﻣﺤﻞ اﻟﺠﺮﯾﻤﺔ‬
‫آﻟﯿ ﺔ إﺑ ﻼغ وﺣ ﺪة اﻟﺘﺤﺮﯾ ﺎت اﻟﻤﺎﻟﯿ ﺔ ﻋ ﻦ‬
:‫اﻟﻌﻤﻠﯿﺎت اﻟﻤﺸﺒﻮھﺔ‬
‫وﻓﻘﺎً ﻟﻨﻈﺎم ﻣﻜﺎﻓﺤﺔ ﻏﺴﻞ اﻷﻣﻮال ﻓﺈن ﻋﻠﻰ‬
‫اﻟﻤﺆﺳﺴﺎت اﻟﻤﺎﻟﯿﺔ وﻏﯿﺮ اﻟﻤﺎﻟﯿﺔ ﻋﻨﺪ ﺗﻮاﻓﺮ‬
‫ﻣﺆﺷﺮات ودﻻﺋﻞ ﻛﺎﻓﯿﺔ ﻋﻠﻰ إﺟﺮاء ﻋﻤﻠﯿ ﺔ‬
، ‫وﺻﻔﻘﺔ ﻣﻌﻘﺪة أو ﺿﺨﻤﺔ أو ﻏﯿﺮ ﻃﺒﯿﻌﯿﺔ‬
 money laundry or terrorist financing or
 terrorist organizations; financial and
non-financial organizations, under anti-
money laundry law, have to take the
following procedures:
• Reporting such transactions
immediately to FIU.
• Preparing a detailed report including
all data and information about
such transactions and related
parties.
• Financial and non-financial
organizations set the indicators of
money laundry suspicions,
updating them continuously as per
the requirements of relevant
methods development and variety;
complying with controlling
authorities relative instructions.
• Reporting to FIU must be according
to the approved form, provided
that the report minimally includes
the following:
A. Suspected persons names and the
details of their addresses and
phones.
B. A statement of the suspected
transaction, its parties, detection
circumstances and current status.
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‫أو ﻋﻤﻠﯿ ﺔ ﺗﺜﯿ ﺮ اﻟ ﺸﻜﻮك واﻟ ﺸﺒﮭﺎت ﺣ ﻮل‬
‫ﻣﺎھﯿﺘﮭ ﺎ واﻟﻐ ﺮض ﻣﻨﮭ ﺎ أو أن ﻟﮭ ﺎ ﻋﻼﻗ ﺔ‬
‫ﺑﻐ ﺴﻞ اﻷﻣ ﻮال أو ﺑﺘﻤﻮﯾ ﻞ اﻹرھ ﺎب أو‬
‫اﻷﻋﻤﺎل اﻹرھﺎﺑﯿﺔ أو اﻟﻤﻨﻈﻤﺎت اﻹرھﺎﺑﯿ ﺔ‬
: ‫أن ﺗﺒﺎدر إﻟﻰ اﺗﺨﺎذ اﻹﺟﺮاءات اﻵﺗﯿﺔ‬
‫إﺑ ﻼغ وﺣ ﺪة اﻟﺘﺤﺮﯾ ﺎت اﻟﻤﺎﻟﯿ ﺔ‬ Ÿ
.ً‫ﺑﺘﻠﻚ اﻟﻌﻤﻠﯿﺔ ﻓﻮرا‬
‫إﻋﺪاد ﺗﻘﺮﯾﺮ ﻣﻔﺼﻞ ﯾﺘﻀﻤﻦ ﺟﻤﯿ ﻊ‬ Ÿ
‫اﻟﺒﯿﺎﻧ ﺎت واﻟﻤﻌﻠﻮﻣ ﺎت اﻟﻤﺘ ﻮاﻓﺮة‬
‫ﻟ ﺪﯾﮭﺎ ﻋ ﻦ ﺗﻠ ﻚ اﻟﻌﻤﻠﯿ ﺎت‬
‫ وﺗﺰوﯾ ﺪ‬، ‫واﻹﻃ ﺮاف ذات اﻟ ﺼﻠﺔ‬
. ‫وﺣﺪة اﻟﺘﺤﺮﯾﺎت ﺑﮫ‬
‫ﺗﻘ ﻮم اﻟﻤﺆﺳ ﺴﺎت اﻟﻤﺎﻟﯿ ﺔ وﻏﯿ ﺮ‬ Ÿ
‫اﻟﻤﺎﻟﯿ ﺔ ﺑﻮﺿ ﻊ اﻟﻤﺆﺷ ﺮات اﻟﺪاﻟ ﺔ‬
‫ﻋﻠ ﻰ وﺟ ﻮد ﺷ ﺒﮭﺔ ﻋﻤﻠﯿ ﺎت ﻏ ﺴﻞ‬
‫ ﻛﻤ ﺎ ﯾﺠ ﺐ اﻟﻌﻤ ﻞ ﻋﻠ ﻰ‬، ‫أﻣ ﻮال‬
‫ﺗﺤ ﺪﯾﺜﮭﺎ ﺑ ﺸﻜﻞ ﻣ ﺴﺘﻤﺮ ﺣ ﺴﺐ‬
‫ﻣﻘﺘ ﻀﯿﺎت ﺗﻄ ﻮر وﺗﻨ ﻮع أﺳ ﺎﻟﯿﺐ‬
‫ارﺗﻜﺎب ﺗﻠﻚ اﻟﻌﻤﻠﯿ ﺎت ﻣ ﻊ اﻻﻟﺘ ﺰام‬
‫ﺑﻤ ﺎ ﺗ ﺼﺪره اﻟﺠﮭ ﺎت اﻟﺮﻗﺎﺑﯿ ﺔ ﺑﮭ ﺬا‬
. ‫اﻟﺨﺼﻮص‬
‫ﯾﻜ ﻮن إﺑ ﻼغ وﺣ ﺪة اﻟﺘﺤﺮﯾ ﺎت‬ Ÿ
‫اﻟﻤﺎﻟﯿ ﺔ وﻓ ﻖ اﻟﻨﻤ ﻮذج اﻟﻤﻌﺘﻤ ﺪ ﻣ ﻦ‬
‫ﻗﺒﻞ اﻟﻮﺣﺪة ﻋﻠﻰ أن ﯾ ﺸﺘﻤﻞ اﻟ ﺒﻼغ‬
: ‫ﻛﺤﺪٍ أدﻧﻰ ﻋﻠﻰ اﻟﻤﻌﻠﻮﻣﺎت اﻵﺗﯿﺔ‬
‫أ –اﺳ ﻤﺎء اﻷﺷ ﺨﺎص اﻟﻤﺘﮭﻤ ﯿﻦ‬
‫وﻣﻌﻠﻮﻣ ﺎت ﻋ ﻦ ﻋﻨ ﺎوﯾﻨﮭﻢ وأرﻗ ﺎم‬
.‫ھﻮاﺗﻔﮭﻢ‬
‫ ﺑﯿ ﺎن ﺑﺎﻟﻌﻤﻠﯿ ﺔ اﻟﻤ ﺸﺘﺒﮫ ﻓﯿﮭ ﺎ‬-‫ب‬
‫وأﻃﺮاﻓﮭ ﺎ وﻇ ﺮوف اﻛﺘ ﺸﺎﻓﮭﺎ‬
. ‫وﺣﺎﻟﺘﮭﺎ اﻟﺮاھﻨﺔ‬
 C. Specifying the sum of the suspected
  transaction and relevant banking
accounts.
D. Reasons of suspecting the
transactions reported.
E. Reported transactions by financial or
non-financial organizations must
consider the following :
Financial or non-financial organizations
must submit the report within ten days
from the date of reporting, provided it
includes :
• Account Statements for six months.
• Copies of the documents attached to
account opening papers.
• Indicators and justifications of
suspicion and supportive
documents.
• Non-financial organizations submit a
reporting report when requested
by the unit, within two weeks from
the request date, and the request
may include :
• Information about the reported party
• A statement of commercial or
financial transactions of the
reported entity or relevant parties.
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‫ ﺗﺤﺪﯾ ﺪ اﻟﻤﺒﻠ ﻎ ﻣﺤ ﻞ اﻟﻌﻤﻠﯿ ﺔ اﻟﻤ ﺸﺘﺒﮫ‬-‫ج‬
‫ﺑﮭ ﺎ واﻟﺤ ﺴﺎﺑﺎت اﻟﻤ ﺼﺮﻓﯿﺔ ذات‬
. ‫اﻟﻌﻼﻗﺔ‬
‫ أﺳ ﺒﺎب دواﻋ ﻲ اﻻﺷ ﺘﺒﺎه اﻟﺘ ﻲ اﺳ ﺘﻨﺪ‬-‫د‬
‫إﻟﯿﮭ ﺎ اﻟﻤﻮﻇ ﻒ اﻟﻤ ﺴﺌﻮل ﻋ ﻦ‬
. ‫اﻹﺑﻼغ‬
‫ھ ـ ﯾﺮاﻋ ﻲ ﺑ ﺎﻟﺘﻘﺮﯾﺮ اﻟﻤﻌ ﺪ ﻣ ﻦ ﻗﺒ ﻞ‬
‫اﻟﻤﺆﺳ ﺴﺎت اﻟﻤﺎﻟﯿ ﺔ وﻏﯿ ﺮ اﻟﻤﺎﻟﯿ ﺔ‬
-:‫ﻋﻦ اﻟﻌﻤﻠﯿﺎت اﻟﻤﺒﺎﻟﻎ ﻋﻨﮭﺎ اﻵﺗﻲ‬
‫ﺗﻘﺪم اﻟﻤﺆﺳﺴﺎت اﻟﻤﺎﻟﯿﺔ ﻟﻮﺣﺪة اﻟﺘﺤﺮﯾﺎت‬
‫اﻟﻤﺎﻟﯿﺔ اﻟﺘﻘﺮﯾﺮ ﺧﻼل ﻋﺸﺮة أﯾﺎم ﻣﻦ‬
:‫ﺗﺎرﯾﺦ اﻟﺘﺒﻠﯿﻎ ﻋﻠﻰ أن ﯾﺘﻀﻤﻦ اﻵﺗﻲ‬
.‫ﻛﺸﻮف اﻟﺤﺴﺎﺑﺎت ﻟﻔﺘﺮة ﺳﺘﺔ أﺷﮭﺮ‬ Ÿ
‫ﺻ ﻮر ﻣ ﻦ اﻟﻮﺛ ﺎﺋﻖ اﻟﻤﺮﻓﻘ ﺔ‬ Ÿ
.‫ﺑﻤﺴﺘﻨﺪات ﻓﺘﺢ اﻟﺤﺴﺎب‬
‫ﺑﯿﺎﻧﺎت ﻋ ﻦ ﻃﺒﯿﻌ ﺔ اﻟﻌﻤﻠﯿ ﺎت اﻟﻤﺒﻠ ﻎ‬ Ÿ
. ‫ﻋﻨﮭﺎ‬
‫ ﻣﺆﺷ ﺮات وﻣﺒ ﺮرات اﻟ ﺸﻚ‬Ÿ
. ‫واﻟﻤﺴﺘﻨﺪات اﻟﻤﺆﯾﺪة ﻟﺬﻟﻚ‬
‫ ﺗﻘ ﺪم اﻟﻤﺆﺳ ﺴﺎت ﻏﯿ ﺮ اﻟﻤﺎﻟﯿ ﺔ‬Ÿ
‫ﺗﻘﺮﯾﺮھ ﺎ ﻋ ﻦ اﻟﺒﻼﻏ ﺎت ﻋﻨ ﺪ ﻃﻠﺒﮭ ﺎ ﻣ ﻦ‬
‫اﻟﻮﺣﺪة وذﻟﻚ ﺧ ﻼل أﺳ ﺒﻮﻋﯿﻦ ﻣ ﻦ ﺗ ﺎرﯾﺦ‬
‫اﻟﻄﻠﺐ وﯾﻤﻜﻦ أن ﯾﺸﺘﻤﻞ اﻟﻄﻠﺐ ﻋﻠ ﻰ ﻣ ﺎ‬
: ‫ﯾﻠﻲ‬
‫ ﻣﻌﻠﻮﻣﺎت ﻋﻦ اﻟﻄﺮف اﻟﻤﺒﻠﻎ ﻋﻨﮫ‬Ÿ
‫ ﺑﯿ ﺎن ﺑﺎﻟﻤﻌ ﺎﻣﻼت اﻟﺘﺠﺎرﯾ ﺔ أو‬Ÿ
‫اﻟﻤﺎﻟﯿ ﺔ ﻟﻠﻤﺒﻠ ﻎ ﻋﻨ ﮫ أو اﻷﻃ ﺮاف‬
. ‫ذات اﻟﺼﻠﺔ‬
 • Justifications and indications of
  suspicion supported by documents.
• FIU address :
Po box 69914 Riyadh 11557
Toll free number : 8001222224
Tel : 014125555
Fax : 014127616 - 014127615
FIU prepared the following forms for
financial and non-financial
organizations :
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‫ ﺗﻘ ﺪم اﻟﻤﺒ ﺮرات واﻟﻤﺆﺷ ﺮات اﻟﺪاﻟ ﺔ‬Ÿ
. ‫ﻋﻠﻰ اﻟﺸﻚ ﻣﺆﯾﺪة ﺑﺎﻟﻤﺴﺘﻨﺪات‬
:‫ﻋﻨﻮان وﺣﺪة اﻟﺘﺤﺮﯾﺎت اﻟﻤﺎﻟﯿﺔ‬
(١١٥٥٧) :‫( اﻟﺮﯾﺎض‬٦٩٩١٤) : ‫ص ب‬
(٨٠٠١٢٢٢٢٢٤) :‫اﻟﮭﺎﺗﻒ اﻟﻤﺠﺎﻧﻲ‬
(٠١٤١٢٥٥٥٥) : ‫اﻟﮭﺎﺗﻒ‬
(٠١٤١٢٧٦١٦) :‫اﻟﻔ ﺎﻛﺲ رﻗ ﻢ‬
(٠١٤١٢٧٦١٥)
‫وﻗﺪ أﻋﺪت وﺣﺪة اﻟﺘﺤﺮﯾﺎت اﻟﻤﺎﻟﯿ ﺔ ﻧﻤ ﺎذج‬
‫ﺗﺨﺘﺺ ﺑﺎﻟﻤﺆﺳﺴﺎت اﻟﻤﺎﻟﯿ ﺔ وﻏﯿ ﺮ اﻟﻤﺎﻟﯿ ﺔ‬
: ‫وﻓﻘﺎً ﻟﻤﺎ ﯾﻠﻲ‬
 ‫اﻟﺮﻗﻢ ‪:‬‬ ‫ﺑﻼغ ﻋﻦ ﻋﻤﻠﯿﺔ ﻣﺎﻟﯿﺔ ﻣﺸﺘﺒﮫ ﺑﮫ‬
‫اﻟﺘﺎرﯾﺦ ‪١٤٢ / / :‬ھـ‬
‫اﻟﻤﻮاﻓﻖ ‪٢٠٠ / / :‬م‬
‫اﻟﻤﺮﻓﻘﺎت ‪:‬‬
‫ﻣﻌﻠﻮﻣﺎت ﻋﻦ ﺟﮭﺔ اﻹﺑﻼغ‬
‫ﻣﺆﺳﺴﺔ‬ ‫اﺳﻢ اﻟﺒﻨﻚ‬ ‫اﻟﻤــﺪﯾﻨﺔ‬ ‫اﻟﻔـــﺮع‬ ‫اﻟﮭﺎﺗــ‬
‫ﻣﺎﻟﯿﺔ‬ ‫ف‬
‫اﻻﺗﺼﺎل‬
‫ﺑﺎﻟﻤﺒﻠﻎ‬
‫ﻣﻀﻤﻮن اﻟﺒﻼغ‬
‫إﯾﺪاع‬ ‫ﺳﺤﺐ‬ ‫ﺗﺤﻮﯾﻞ ﺑﻨﻜﻲ‬ ‫أﺧﺮى‬
‫ﻧﻮع‬ ‫ﺷﯿﻚ‬ ‫اﻟﻔﺮع‬ ‫داﺧﻠﻲ‬
‫اﻟﻌﻤﻠﯿﺔ‬ ‫ﺻﺮاف‬
‫ﻧﻘﺪ‬ ‫آﻟﻲ‬ ‫ﺧﺎرﺟﻲ‬
‫ﺗﺎرﯾﺦ ﺗﻨﻔﯿﺬ‬ ‫اﻟﯿﻮ اﻟﻮﻗ‬ ‫اﻟﺘﺎرﯾﺦ‬ ‫اﻟﺸﮭﺮ‬ ‫اﻟﺴﻨﺔ‬
‫اﻟﻌﻤﻠﯿﺔ‬ ‫ت‬ ‫م‬

‫رﻗﻤ ًﺎ‬ ‫ﻛﺘﺎﺑﺔ‬ ‫ﻧﻮع‬

‫اﻟﻤﺒﻠﻎ‬ ‫اﻟﻌﻤﻠﯿﺔ‬
‫ﺣﺴﺎب‬ ‫رﻗﻢ اﻟﺤﺴﺎب‬ ‫رﻗﻢ‬ ‫اﻟﺒﻨﻚ‬
‫ﻣﻨﻔﺬ‬ ‫اﻟﻔﺮع‬
‫اﻟﻌﻤﻠﯿﺔ‬
‫ﻣﻨﻔﺬ‬ ‫اﻻﺳﻢ‬ ‫رﻗﻢ اﻟﮭﻮﯾﺔ‬ ‫اﻟﺠﻨﺴ‬
‫اﻟﻌﻤﻠﯿﺔ‬ ‫ﯾﺔ‬

‫أﺳﺒﺎب‬
‫اﻟﻤﺴﺘﻔﯿﺪ‬
‫اﻻﺳﻢ‬ ‫رﻗﻢ اﻟﮭﻮﯾﺔ‬ ‫اﻟﺠﻨﺴﯿﺔ‬ ‫اﻟﺪوﻟﺔ‬ ‫اﻟﻤﺪﯾﻨﺔ‬

‫رﻗﻢ اﻟﺤﺴﺎب‬ ‫رﻗﻢ‬ ‫اﻟﺒﻨﻚ اﻟﻤﺴﺘﻔﯿﺪ‬

‫اﻟﻔﺮع‬
‫اﻟﻤﻨﻄﻘﺔ‪ -‬اﻟﻤﺪﯾﻨﺔ‬ ‫اﺳﻢ اﻟﻔﺮع‬

‫ﺳﻌـﺎدة ﻣﺪﯾﺮ وﺣﺪة اﻟﺘﺤﺮﯾﺎت اﻟﻤﺎﻟﯿﺔ ﺑﻮزارة اﻟﺪاﺧﻠﯿﺔ‬

‫ﻧﺴﺨﺔ ﻟﺮﺋﯿﺲ وﺣﺪة ﻣﻜﺎﻓﺤﺔ ﻏﺴﻞ اﻷﻣﻮال ﺑﻤﺆﺳﺴﺔ اﻟﻨﻘﺪ‬
‫اﻟﺴـﻼم ﻋﻠﯿﻜﻢ ورﺣﻤﺔ اﷲ وﺑﺮﻛﺎﺗﮫ‪...‬‬
‫ﺗﺠﺪون أﻋﻼه ﺑﻼﻏﻨﺎ ﻋﻦ ﻋﻤﻠﯿﺔ ﻣﺸﺘﺒﮫ ﺑﮭﺎ ‪ ،‬أﻣﻞ اﻹﻃﻼع واﺗﺨﺎذ ﻣﺎ ﺗﺮوﻧﮫ‪.‬‬

‫اﻟﻮﻇﯿﻔﺔ ‪:‬‬

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 Ref:
Date :
Reporting Suspicious Transaction Cor.:
Attachments:
Reporting Authority Information
Financial Bank Name City Branch Phone
Org.
Reporter
Contacting
Report Content
Deposit Withdrawal Bank Transfer Other
Trans action
Check Branch Local
Cash ATM Abroad
Process Time Day Date Month Year
Date
Amount Figures Letters Transaction

Performer Acc. No. Branch No. Bank

Acc.
Name ID no. Nationality
Performer

Reasons

Beneficiary
Name ID no. Nationality Country City

Acc. No. Branch No. Beneficiary Bank

Region - City Branch Name

H/E FIU Director in MOI

Copy to Head of Anti-Money Laundry in SAMA
Greetings;

Kindly, Find herein above our report of a suspicious transaction, kindly check and

process whatever necessary as per your convenience.

Position :

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 ‫اﻟﺮﻗﻢ ‪:‬‬
‫ﺑﻼغ ﻋﻦ ﻋﻤﻠﯿﺔ ﻣﺎﻟﯿﺔ ﻣﺸﺘﺒﮫ ﺑﮫ‬ ‫اﻟﺘﺎرﯾﺦ ‪١٤٢ / / :‬ھـ‬
‫اﻟﻤﻮاﻓﻖ ‪٢٠٠ / / :‬م‬
‫اﻟﻤﺮﻓﻘﺎت ‪:‬‬
‫ﻣﻌﻠﻮﻣﺎت ﻋﻦ ﺟﮭﺔ اﻹﺑﻼغ‬
‫اﺳــﻢ اﻟﻤﻜﺘﺐ اﻟﻤﺤﺎﺳﺒﻲ‬ ‫اﻟﻤــﺪﯾﻨﺔ‬ ‫اﻟﻔـــﺮع‬ ‫اﻟﮭﺎﺗــﻒ‬

‫اﺳﻢ اﻟُﻤﺒَــﻠّﻎ‬ ‫اﻟﮭﺎﺗﻒ‬ ‫اﻟﻌﻨﻮان‬

‫ﻣﻀﻤﻮن اﻟﺒﻼغ‬

‫أﺳــــﻢ اﻟﺸـﺨﺺ ‪ /‬اﻟﻤﻨﺸﺄة اﻟﻤﺸﺘﺒﺔ ﺑﮭﻢ‬

‫رﻗــــﻢ اﻟــﮭــﻮﯾـــﺔ ‪ /‬اﻟﺴﺠﻞ اﻟﺘﺠﺎري‬

‫اﻟﺠـﻨﺴـــــﯿﺔ‬

‫ﻧﻮع اﻟﻌﻤﻠﯿﺔ اﻟﻤﺸﺘﺒﮫ ﺑﮭﺎ‬

‫ﻣﻘﺪار ﻗﯿﻤﺔ اﻟﻌﻤﻠﯿﺔ اﻟﻤﺸﺘﺒﮫ ﺑﮭﺎ‬

‫ﻣﻠﺨﺺ اﻟﺒﻼغ‪......................................................................................:‬‬

‫‪............................................................................................................‬‬

‫‪............................................................................................................‬‬

‫‪...............................................................(١‬‬ ‫أﺳﺒﺎب اﻻﺷﺘﺒﺎه‪:‬‬

‫‪...............................................................(٢‬‬

‫‪...............................................................(٣‬‬

‫ﺳﻌـﺎدة ﻣﺪﯾﺮ وﺣﺪة اﻟﺘﺤﺮﯾﺎت اﻟﻤﺎﻟﯿﺔ ﺑﻮزارة اﻟﺪاﺧﻠﯿﺔ‬

‫ﻧﺴﺨﺔ ﻟﻮزارة اﻟﺘﺠﺎرة واﻟﺼﻨﺎﻋﺔ ‪ /‬وﺣﺪة ﻣﻜﺎﻓﺤﺔ ﻏﺴﻞ اﻷﻣﻮال ﻓﺎﻛﺲ ‪٤٠٩٣٠٤٧‬‬
‫اﻟﺴـﻼم ﻋﻠﯿﻜﻢ ورﺣﻤﺔ اﷲ وﺑﺮﻛﺎﺗﮫ‪...‬‬
‫ﺗﺠﺪون أﻋﻼه ﺑﻼﻏﻨﺎ ﻋﻦ ﻋﻤﻠﯿﺔ ﻣﺸﺘﺒﮫ ﺑﮭﺎ ‪ ،‬أﻣﻞ اﻹﻃﻼع واﺗﺨﺎذ ﻣﺎ ﺗﺮوﻧﮫ‪.‬‬

‫اﻟﻮﻇﯿﻔﺔ ‪:‬‬

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 Ref:
Date :
Reporting Suspicious Transaction Cor.:
Attachments:

Reporting Authority Information

Account ing Off ice City Branch Phone

Reporter Name Phone Address

Report Content

Suspected Person / I nstit utio n

ID / Commercial Register

Nationality

Sus pected Tr ans action

Trans action Amo unt

Report Summary : ............................................................................................................

....
...................................................................................................................................

..................................................................................................................................

Reasons of Suspicion : 1) ………………………………………………………

2) ………… ……… ……… ……… ……… ……… ……

3)…………… ……… ……… …3)……… ……… ……… ……… ……..…… ………… ………

H/E FIU Director in MOI

Copy to Minister of Commerce & Industry Head of Anti-Money Laundry Unit

Fax 4093047
Greetings;
Kindly, Find herein above our report of a suspicious transaction, kindly check and process

whatever necessary as per your convenience.

Position :

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 ‫ﺑﻼغ ﻋﻦ ﻋﻤﻠﯿﺔ ﻣﺎﻟﯿﺔ ﻣﺸﺘﺒﮫ ﺑﮫ‬

‫ﻣﻌﻠﻮﻣﺎت ﻋﻦ ﺟﮭﺔ اﻹﺑﻼغ‬

‫اﺳــﻢ اﻟﻤﺤﻞ ‪/‬اﻟﻤﺆﺳﺴﺔ ‪/‬اﻟﺸﺮﻛﺔ‬ ‫اﻟﻤــﺪﯾﻨﺔ‬ ‫اﻟﻔـــﺮع‬ ‫اﻟﮭﺎﺗــﻒ‬

‫اﺳﻢ اﻟُﻤﺒَــﻠّﻎ‬ ‫اﻟﮭﺎﺗﻒ‬ ‫اﻟﻌﻨﻮان‬

‫ﻣﻀﻤﻮن اﻟﺒﻼغ‬

‫أﺳــــﻢ اﻟﺸـﺨﺺ اﻟﻤـﺸـﺘﺒﮫ ﺑــﮫ‬

‫رﻗـــــــﻢ اﻟــﮭـــــﻮﯾـــــــﺔ‬

‫اﻟﺠـﻨﺴـــــــــــــﯿﺔ‬

‫ﺳﺎﻋﺎت‬ ‫ﻣﺠﻮھﺮات‬ ‫ذھﺐ‬ ‫اﺳﺘﺒﺪال‬ ‫ﺷﺮاء‬ ‫ﺑﯿﻊ‬

‫ﻧﻮع اﻟﻌﻤﻠﯿﺔ‬
‫أﺧﺮى‬

‫ﻣﻘﺪار ﻗﯿﻤﺔ اﻟﻌﻤﻠﯿﺔ اﻟﻤﺸﺘﺒﮫ ﺑﮭﺎ‬

‫ﻣﻠﺨﺺ اﻟﺒﻼغ‪......................................................................................:‬‬

‫‪.........................................................................................‬‬

‫‪.........................................................................................‬‬

‫‪............................................................(١‬‬ ‫أﺳﺒﺎب اﻻﺷﺘﺒﺎه‪:‬‬

‫‪............................................................(٢‬‬

‫‪.........................................................(٣‬‬

‫ﺳﻌـﺎدة ﻣﺪﯾﺮ وﺣﺪة اﻟﺘﺤﺮﯾﺎت اﻟﻤﺎﻟﯿﺔ ﺑﻮزارة اﻟﺪاﺧﻠﯿﺔ‬

‫ﻧﺴﺨﺔ ﻟﻮزارة اﻟﺘﺠﺎرة واﻟﺼﻨﺎﻋﺔ ‪ /‬وﺣﺪة ﻣﻜﺎﻓﺤﺔ ﻏﺴﻞ اﻷﻣﻮال ﻓﺎﻛﺲ ‪٤٠٩٣٠٤٧‬‬
‫اﻟﺴـﻼم ﻋﻠﯿﻜﻢ ورﺣﻤﺔ اﷲ وﺑﺮﻛﺎﺗﮫ‪...‬‬
‫ﺗﺠﺪون أﻋﻼه ﺑﻼﻏﻨﺎ ﻋﻦ ﻋﻤﻠﯿﺔ ﻣﺸﺘﺒﮫ ﺑﮭﺎ ‪ ،‬أﻣﻞ اﻹﻃﻼع واﺗﺨﺎذ ﻣﺎ ﺗﺮوﻧﮫ‪.‬‬

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 Reporting Suspicious Transaction

Reporting Authority Information

Shop/Est./ Co. City Branc h Phone

Name

Reporter Name Phone Adress

Report Content

Suspected Pers on / Ins titution

ID no.

Nationality

Jewels Gold Exchange Purchase Sale

Trans action
Other Watches

Trans action Am ount

Report Summary : ............................................................................................................

....
................................................................................................................................ ...

.............................
..................................................................................................................................

Reas ons of Sus picion : 1) ………………………………………………………

١) ………………………………………………………

3)………………………………3)……………………………………..………………………

H/E F IU Di rector in MO I

Copy to Mini ster of C omme rce & Indust ry/ Head of Anti-Money Lau nd ry Unit

Fax 4093047

Greetings;

Kindly, Find her ein a bove our r epor t of a su spiciou s transa ction, kindly check and pr ocess wha tever

necessar y a s per your convenience.

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 ‫اﻟﺮﻗﻢ ‪:‬‬
‫اﻟﺘﺎرﯾﺦ ‪١٤٢ / / :‬ھـ‬ ‫ﺑﻼغ ﻋﻦ ﻋﻤﻠﯿﺔ ﻣﺎﻟﯿﺔ ﻣﺸﺘﺒﮫ ﺑﮫ‬
‫اﻟﻤﻮاﻓﻖ ‪٢٠٠ / / :‬م‬
‫اﻟﻤﺮﻓﻘﺎت ‪:‬‬
‫ﻣﺆﺳﺴﺎت ﻣﺎﻟﯿﺔ‬ ‫اﺳﻢ اﻟﺸﺨﺺ‬ ‫اﻟﻤــﺪﯾﻨﺔ‬ ‫اﻟﻔـــﺮع‬ ‫اﻟﮭﺎﺗــﻒ‬
‫) ﺷﺨﺺ‬
‫ﻣﺮﺧﺺ ﻟﮫ (‬

‫ﻣﺆﺳﺴﺎت ﻏﯿﺮ‬ ‫اﺳﻢ اﻟﺒﻨﻚ‬ ‫اﻟﻤﺪﯾﻨﺔ‬ ‫اﻟﻔﺮع‬ ‫اﻟﮭﺎﺗﻒ‬

‫ﻣﺎﻟﯿﺔ‬

‫اﻻﺗﺼﺎل ﺑﺎﻟﻤﺒﻠﻎ‬ ‫اﻷﺳﻢ‬ ‫اﻟﮭﺎﺗﻒ‬ ‫اﻟﻌﻨﻮان‬

‫ﻣﻌﻠﻮﻣﺎت ﻋﻦ ﺟﮭﺔ اﻟﺒﻼغ ﻣﻀﻤﻮن اﻟﺒﻼغ‬

‫إﯾﺪاع‬ ‫ﺳﺤﺐ‬ ‫ﺗﺤﻮﯾﻞ ﺑﻨﻜﻲ‬ ‫أﺧﺮى‬

‫ﻧﻮع اﻟﻌﻤﻠﯿﺔ‬ ‫ﺷﯿﻚ‬ ‫اﻟﻔﺮع‬ ‫داﺧﻠﻲ‬
‫ﻧﻘﺪ‬ ‫ﺻﺮاف‬ ‫ﺧﺎرﺟﻲ‬
‫آﻟﻲ‬
‫ﺗﺎرﯾﺦ ﺗﻨﻔﯿﺬ‬ ‫اﻟﻮﻗﺖ‬ ‫اﻟﯿﻮ‬ ‫اﻟﺘﺎرﯾﺦ‬ ‫اﻟﺸﮭﺮ‬ ‫اﻟﺴﻨﺔ‬
‫اﻟﻌﻤﻠﯿﺔ‬ ‫م‬

‫ﻣﻘﺪار اﻟﻤﺒﻠﻎ‬ ‫رﻗﻤًﺎ‬ ‫ﻛﺘﺎﺑﺔ‬ ‫ﻧﻮع اﻟﻌﻤﻠﯿﺔ‬

‫رﻗﻢ اﻟﺤﺴﺎب اﻷﺳﺘﺜﻤﺎري‬ ‫رﻗﻢ اﻟﻔﺮع‬ ‫اﻟﺸﺨﺺ‬

‫ﺣﺴﺎب ﻣﻨﻔﺬ‬ ‫اﻟﻤﺮﺧﺺ ﻟﮫ‬
‫اﻟﻌﻤﻠﯿﺔ‬

‫ﻣﻨﻔﺬ اﻟﻌﻤﻠﯿﺔ‬ ‫اﻻﺳﻢ‬ ‫رﻗﻢ اﻟﮭﻮﯾﺔ‬ ‫اﻟﺠﻨﺴﯿﺔ‬

‫)اﻟﻤﺸﺘﺒﮫ ﺑﮫ (‬

‫أﺳﺒﺎب اﻻﺷﺘﺒﺎه‬

‫اﻟﻤﺴﺘﻔﯿﺪ ) اﻟﻤﺸﺘﺒﮫ ﺑﮫ (‬
‫اﻻﺳﻢ‬ ‫رﻗﻢ اﻟﮭﻮﯾﺔ‬ ‫اﻟﺠﻨﺴﯿﺔ‬ ‫اﻟﺪوﻟﺔ‬ ‫اﻟﻤﺪﯾﻨﺔ‬

‫رﻗﻢ اﻟﺤﺴﺎب‬ ‫رﻗﻢ اﻟﻔﺮع‬ ‫ﺑﻨﻚ اﻟﻤﺴﺘﻔﯿﺪ‬

‫ﺳﻌـﺎدة ﻣﺪﯾﺮ وﺣﺪة اﻟﺘﺤﺮﯾﺎت اﻟﻤﺎﻟﯿﺔ ﺑﻮزارة اﻟﺪاﺧﻠﯿﺔ‬

‫اﻟﺴـﻼم ﻋﻠﯿﻜﻢ ورﺣﻤﺔ اﷲ وﺑﺮﻛﺎﺗﮫ‪...‬‬
‫ﺗﺠﺪون أﻋﻼه ﺑﻼﻏﻨﺎ ﻋﻦ ﻋﻤﻠﯿﺔ ﻣﺸﺘﺒﮫ ﺑﮭﺎ ‪ ،‬أﻣﻞ اﻹﻃﻼع واﺗﺨﺎذ ﻣﺎ ﺗﺮوﻧﮫ‪.‬‬
‫اﻟﻮﻇﯿﻔﺔ ‪:‬‬ ‫اﻟﺨﺘﻢ اﻟﺮﺳﻤﻲ‪:‬‬

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 Ref:
Date :
Reporting Suspicious Transaction Cor.:
Attachments:

Reporting Authority Information

Financial Name City Branch Phone

Org.
(Licensee)

Non- Bank City Branch Phone

Name
Financial
Org.
Contacting Name
Reporter Phone Adress

Report Content

Deposit Withdraw Bank Transfer Other

Transaction
Chec k Branch Local
Cash ATM Abroad
Process Time Day Date Month Year
Date
Amount Figures Letters Transaction

Investment Acc. No. Branch Licensee

Performer No.
Acc.

Name ID no. Nationality

Performer

Suspicion Reasons

Beneficiary (Suspect)
Name ID No. Nation ality Country City

Acc. No. Branch No. Beneficiary Bank

H/E FIU Director in MOI

Greetings;
Kindly, Find herein above our report of a suspicious transaction, kindly check and

process whatever necessary as per your convenience.

Official Seal Position

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 Declaration :
Each Traveler, either leaving or coming to Saudi Arabia must declare to Saudi
customs any cash money or exchangeable financial instruments or precious metals
exceeding sixty thousand riyals or equivalent currencies; as this applies to
companies, financial and non financial organizations, gold shops, hajj & Omrah
delegations, special services companies, which transport money, postal or non-postal
parcels and shipments; preserving their rights of performing business as per the
following forms:
:‫اﻹﻓﺼﺎح‬

‫ﻋﻠﻰ ﻛﻞ ﻣﺴﺎﻓﺮ ﺳﻮاءً ﻣﻐﺎدر ﻟﻠﻤﻤﻠﻜﺔ أو ﻗﺎدﻣﺎً ﻟﮭﺎ ﺑﺎﻟﺘﺼﺮﯾﺢ ﻟﻠﺠﻤﺎرك اﻟﺴﻌﻮدﯾﺔ ﻋﻦ اﻟﻤﺒﺎﻟﻎ اﻟﻨﻘﺪﯾﺔ أو اﻷدوات‬

، ‫اﻟﻤﺎﻟﯿﺔ اﻟﻘﺎﺑﻠﺔ ﻟﻠﺘﺪاول أو اﻟﻤﻌﺎدن اﻟﺜﻤﯿﻨﺔ اﻟﺘﻲ ﺗﺰﯾﺪ ﻋﻦ ﺳﺘﯿﻦ أﻟﻒ رﯾﺎل أو ﻣﺎ ﯾﻌﺎدﻟﮭ ﺎ ﻣ ﻦ اﻟﻌﻤ ﻼت اﻷﺧ ﺮى‬

‫وﯾﺴﺮي ذﻟﻚ ﻋﻠﻰ اﻟﺸﺮﻛﺎت واﻟﻤﺆﺳﺴﺎت اﻟﻤﺎﻟﯿﺔ وﻏﯿﺮ اﻟﻤﺎﻟﯿﺔ وﻣﺤﻼت اﻟﺬھﺐ وﺑﻌﺜﺎت اﻟﺤﺞ واﻟﻌﻤﺮة وﺷﺮﻛﺎت‬

‫اﻟﺨ ﺪﻣﺎت اﻟﺨﺎﺻ ﺔ ﺑﻨﻘ ﻞ اﻟﻨﻘ ﺪ أو اﻟﻄ ﺮود اﻟﺒﺮﯾﺪﯾ ﺔ وﻏﯿ ﺮ اﻟﺒﺮﯾﺪﯾ ﺔ واﻹرﺳ ﺎﻟﯿﺎت ﻣ ﻊ اﻻﺣﺘﻔ ﺎظ ﺑﺤﻘﮭ ﺎ ﺑﻤﻤﺎرﺳ ﺔ‬

:‫أﻋﻤﺎﻟﮭﺎ وﻓﻖ اﻟﻨﻤﺎذج اﻟﺘﺎﻟﯿﺔ‬

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 Index ‫اﻟﻔﮭﺮس‬

Introduction ‫اﻟﻤﻘﺪﻣﺔ‬ ١

Fina ncial Intelligence Unit (FIU) ‫وﺣﺪة اﻟﺘﺤﺮﯾﺎت اﻟﻤﺎﻟﯿﺔ‬ ٢

Guidebook Objective ‫اﻟﮭﺪف ﻣﻦ اﻟﺪﻟﯿﻞ‬ ٦

Money Laundry ‫ﻏﺴﻞ اﻷﻣﻮال‬ ٧

Money Laundry Phases ‫ﻣﺮاﺣﻞ ﻋﻤﻠﯿﺔ ﻏﺴﻞ اﻷﻣﻮال‬ ٧

Deposit ‫اﻹﯾﺪاع‬ ٧

Coverage ‫اﻟﺘﻐﻄﯿﺔ‬ ٨

Ama lga mation ‫اﻟﺪﻣﺞ‬ ٨

Terrorist Financing ‫ﺗﻤﻮﯾﻞ اﻹرھﺎب‬ ٩

‫أﺳﺎﻟﯿﺐ واﺗﺠﺎھﺎت ﻏﺴﻞ اﻷﻣﻮال وﺗﻤﻮل اﻹرھﺎب‬
٩
Methods & Tends of Money Laundr y & Terrorist Financing

Methods Examples ‫ﻣﻦ اﻷﻣﺜﻠﺔ ﻋﻠﻰ ﺗﻠﻚ اﻷﺳﺎﻟﯿﺐ‬ ١٠

Making Effective Internal Control System ‫إﯾﺠﺎد ﻧﻈﺎم رﻗﺎﺑﺔ داﺧﻠﻲ ﻓﻌﺎل‬ ١٦

Know Your Customer Standard ‫ﺗﻄﺒﯿﻖ ﻣﺒﺪأ اﻋﺮف ﻋﻤﯿﻠﻚ‬ ١٧

Indicators ‫اﻟﻤﺆﺷﺮات‬ ١٩
‫ﻏﺴﻞ اﻷﻣﻮال وﺗﻤﻮﯾﻞ اﻹرھﺎب ﺑﺎﺳﺘﺨﺪام اﻟﻌﻤﻠﯿﺎت اﻟﻨﻘﺪﯾﺔ‬
١٩
Money Laundr y & Terrorist Financing Using Cash Transactions
‫ﻏﺴﻞ اﻷﻣﻮال وﺗﻤﻮﯾﻞ اﻹرھﺎب ﺑﺎﺳﺘﺨﺪام ﻋﻤﻠﯿﺎت اﻟﻤﺼﺎرف‬
٢٠
Money Laundry & Terrorist Financing Using Banking Transactions
‫ﻏﺴﻞ اﻷﻣﻮال وﺗﻤﻮﯾﻞ اﻹرھﺎب ﺑﺎﺳﺘﺨﺪام اﻟﻌﻤﻠﯿﺎت ذات اﻟﺼﻠﺔ ﺑﺎﻻﺳﺘﺜﻤﺎر‬
٢٢
Money Laundry & Terrorist Financing Using I nvestment Related Transactions

‫ﻏﺴﻞ اﻷﻣﻮال وﺗﻤﻮﯾﻞ اﻹرھﺎب ﻣﻦ ﺧﻼل اﻟﻨﺸﺎﻃﺎت ﺧﺎرج اﻟﺤﺪود‬

Money Laundry & Terrorist Financing Through Overseas Activities ٢٤

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 ‫ﻏﺴﻞ اﻷﻣﻮال وﺗﻤﻮﯾﻞ اﻹرھﺎب ﺑﺎﺳﺘﺨﺪام ﻧﺸﺎط اﻟﺘﺄﻣﯿﻦ‬
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Money Laundr y & Terrorist Financing Using Insurance Activity
‫ﻏﺴﻞ اﻷﻣﻮال وﺗﻤﻮﯾﻞ اﻹرھﺎب ﺑﺎﺳﺘﺨﺪام ﻋﻤﻠﯿﺎت ﺗﺠﺎرﯾﺔ‬
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Money Laundr y & Terrorist Financing Using Trading Transactions
Taking Necessary Professional Care ‫ﺑﺬل اﻟﻌﻨﺎﯾﺔ اﻟﻤﮭﻨﯿﺔ اﻟﻼزﻣﺔ‬
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Training & Employee Qualification ‫اﻟﺘﺪرﯾﺐ وﺗﺄھﯿﻞ اﻟﻤﻮﻇﻔﯿﻦ‬ ٢٨

Record Saving ‫اﻻﺣﺘﻔﺎظ ﺑﺎﻟﺴﺠﻼت‬ ٢٩

Pena lties ‫اﻟﻌﻘﻮﺑﺎت‬ ٣٠

‫آﻟﯿﺔ إﺑﻼغ وﺣﺪة اﻟﺘﺤﺮﯾﺎت اﻟﻤﺎﻟﯿﺔ ﻋﻦ اﻟﻌﻤﻠﯿﺎت اﻟﻤﺸﺒﻮھﺔ‬
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Reporting Mechanism of Suspicious Transactions To FIU

FIU Address ‫ﻋﻨﻮان وﺣﺪة اﻟﺘﺤﺮﯾﺎت اﻟﻤﺎﻟﯿﺔ‬ ٣٣

Declaration ‫اﻹﻓﺼﺎح‬ ٤٢
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