RegAlert2015-09-21
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Circular Regarding Instructions for Forms and Means of Notification of Operations Suspected to be Related to Money Laundering or Terrorist Financing No. (11673/4/2/10) Dated 2015/9/21
Instructions No. (1) of 2015 regarding the forms and means of notification for operations suspected to be related to money laundering or terrorist financing, issued by the Anti-Money Laundering and Counter-Terrorist Financing Unit, replace Instructions No. (2) of 2011 and take effect on October 1, 2015. Regulated entities are required to submit immediate notifications using specific forms and electronic systems, providing detailed customer profiles, transaction analyses, and supporting documentation. The instructions mandate strict confidentiality, prohibit tipping, and outline specific procedures for electronic and paper-based reporting, including password security and authorized personnel designation.
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In the Name of Allah, the Most Gracious, the Most Merciful
Number: 11673 / 4/2/10
Date: 07/04/1436 AH
Corresponding Date: 04/09/2015 AD
Circular to Banks Operating in the Hashemian Kingdom of Jordan
Greetings,
We enclose a copy of the letter from the Anti-Money Laundering and Counter-Terrorist Financing Unit No. (653/2/2/A.M.) dated 14/09/2015, along with Instructions No. (1) of 2015 "Instructions on Forms and Means of Notification Regarding Operations Suspected to be Related to Money Laundering or Terrorist Financing," for your action according to the proper procedures.
Please accept our highest respect,
The Governor
Dr. Ziad Friez
- Enclosed.
info@cbj.gov.jo - Website: www.cbj.gov.jo • Phone: 46238664, 46238889 • Amman 11118 - Jordan • P.O. Box 27
Number: 653 / 2/2/A.M.
Date: 14 September 2015
His Excellency the Governor of the Central Bank of Jordan, Honorable,
Greetings,
I request to inform Your Excellency that the Unit has issued Instructions No. (1) of 2015 "Instructions on Forms and Means of Notification Regarding Operations Suspected to be Related to Money Laundering or Terrorist Financing" to replace Instructions No. (2) of 2011.
Whereas the Central Bank of Jordan is the regulatory and supervisory authority for licensed banks and licensed exchange companies, and is a strategic partner of the Unit in supervising compliance with the Anti-Money Laundering and Counter-Terrorist Financing Instructions issued for this purpose.
Enclosed for Your Excellency is a copy of these Instructions and their attachments, which will come into effect as of 01/10/2015, requesting that you instruct those concerned to disseminate them to all entities under your supervision and obligated to notify regarding operations suspected to be related to money laundering or terrorist financing.
In case of any inquiries, please feel free to contact Mr. "Raed Rawashdeh" / Senior Financial Analyst / Phone (058020622694).
Please accept, Your Excellency, our highest respect.
Unit Head
Dr. Nadeen Jalil
Copy: His Excellency the Deputy Governor of the Central Bank of Jordan, Honorable/Member of the National Committee Enclosed: Instructions No. (1) of 2015 and its attachments
Hashemian Kingdom of Jordan
Phone: 096265230570 - Fax: 096265230572 - P.O. Box 2181 Amman 11118 Jordan - Website: www.amlu.gov.jo
Instructions No. (1) of 2015
Instructions on Forms and Means of Notification Regarding Operations Suspected to be Related to Money Laundering or Terrorist Financing Issued by the Head of the Anti-Money Laundering and Counter-Terrorist Financing Unit Based on the provisions of Paragraph (c) of Article (7) of Law No. (40) of 2009, the Anti-Money Laundering and Counter-Terrorist Financing Unit System and its amendments
Article (1):
These Instructions shall be known as "Instructions on Forms and Means of Notification Regarding Operations Suspected to be Related to Money Laundering or Terrorist Financing for the Year 2015" and shall come into effect as of 01/10/2015.
Article (2):
The words and phrases contained in these Instructions shall have the meanings assigned to them in the Anti-Money Laundering and Counter-Terrorist Financing Law and the Anti-Money Laundering and Counter-Terrorist Financing Unit System in force, unless the context indicates otherwise.
Article (3):
a- Entities subject to the provisions of the Law must notify the Unit immediately regarding operations suspected to be related to money laundering or terrorist financing, in accordance with the provisions of Paragraph (3) of Paragraph (a) of Article (14) of the Anti-Money Laundering and Counter-Terrorist Financing Law in force, according to the specific form for each entity available on the Unit's website (www.amlu.gov.jo) under the heading Entities Subject to the Provisions of the Law/Forms.
Hashemian Kingdom of Jordan
Phone: 096265230570 - Fax: 096265230572 - P.O. Box 2181 Amman 11118 Jordan - Website: www.amlu.gov.jo
# Ministry of Finance
# Jordanian Authority for Combating Money Laundering and Terrorist Financing
b- The Unit shall prepare a guide for entities subject to the provisions of the Law for the purpose of filling out the forms referred to in Paragraph (a) of this Article, attached to these Instructions, and available on the Unit's website (www.amlu.gov.jo) under the heading Entities Subject to the Provisions of the Law/Forms.
## Article (4):
a- The notification regarding operations suspected to be related to money laundering or terrorist financing submitted by entities subject to the provisions of the Law must include the following:
1. The name of the entity that submitted the notification and information related to it, including the name of the person authorized to submit the notification.
2. Information about the suspected person/entity.
3. A description of the operation suspected to be related to money laundering or terrorist financing, and all information related to it regarding the parties involved, the beneficial owner, the circumstances of its discovery, and its current status.
4. Determination of the amounts involved in the operation suspected to be related to money laundering or terrorist financing.
5. Determination of the nature of the relationship between the suspected person and the notifying entity.
6. The nature of the suspicion and indicators of suspicion.
7. The measures taken to verify the validity of the suspicion.
b- Entities subject to the provisions of the Law (each according to the nature of their activity) must, when notifying regarding operations suspected to be related to money laundering or terrorist financing, provide the Unit directly via electronic systems and official paper correspondence as follows:
1. Customer identification data and any updates made to it, which clarify the customer profile (customer profile), along with supporting documents.
---
2. Copies of documents provided by the customer as support for the transaction they conducted, or any other documents that assist the Unit in investigating and analyzing the notifications.
3. Details of the study relied upon in making the decision to notify the Unit, including checks that clarify the transactions conducted by the customer, including the results of referring to the following:
- Civil Status and Passports Department database.
- Companies Control Department database.
- Ministry of Industry, Trade, and Supply database regarding individual institutions.
- Database related to registered associations at the level of the Kingdom / or results of correspondence with the associations register.
- Sanctions lists issued by the Security Council in the field of combating terrorism.
- Other international sanctions lists, including but not limited to (OFAC, EU, UK, ...).
- Commercial databases that provide information about persons and transactions suspected of involvement, including but not limited to (World-Check, LexisNexis, Safe Watch, Dow Jones).
- Referring to web search engines such as (Google).
4. In addition to what was mentioned in Paragraph (3) of Paragraph (b) of this Article, the study prepared by banks operating in the Kingdom must include a financial analysis report according to the attached form (Financial Analysis Form) in (Word) file format, with a diagram illustrating the relationship between the suspected parties in light of the financial analysis.
---
c- In the event that any entity subject to the provisions of the Law is unable to immediately provide the Unit with any of the information and data mentioned in Paragraph (b) of this Article, it must inform the Unit in writing of the reasons for the delay, and the delay period must not exceed three working days from the date of notification of the operation suspected to be related to money laundering or terrorist financing.
d- When the Unit requests the provision of any additional information it deems necessary to provide an evaluation in its function in accordance with the provisions of Paragraph (a) of Article (17) of the Anti-Money Laundering and Counter-Terrorist Financing Law in force, entities subject to the provisions of the Law must provide the Unit with official paper correspondence within the period specified by the Unit, and banks operating in the Kingdom must provide the Unit with official paper correspondence immediately, according to the Financial Analysis Form mentioned in Paragraph (b) of Paragraph (4) of this Article (Financial Analysis Form).
## Article (5):
Entities subject to the provisions of the Law must ensure the confidentiality of the information contained in the notification form and not disclose it to any party, including the suspected customer, and ensure that no action is taken that would confirm the suspected customer with the notification sent to the Unit (tipping off).
## Article (6):
The bank must, in the event that the suspected customer requests the closure of his account(s), not allow the customer to withdraw cash and use other payment means to ensure the traceability of accounts, and notify the Unit thereof immediately. (audit trail)
---
Hashemian Kingdom of Jordan
www.amlu.gov.jo - Website: Jordan 11118 Amman 2181 P.O. Box - Fax: 0962 6032-573 - Phone: 0962 6032-570
``` ```markdown
# Article (7)
a- The means of receiving notifications submitted by entities subject to the provisions of the Law to the Unit are either via electronic systems or via official paper correspondence.
b- In the event that the means of receiving notifications are via electronic systems:
1. Entities subject to the provisions of the Law must designate persons authorized to submit notifications regarding operations suspected to be related to money laundering or terrorist financing, and inform the Unit in writing thereof, as well as in the event of changing any of these authorized persons and the reasons for the change, so that the Unit can grant them access rights to the electronic system and provide them with a username and password, according to the following specifications:
- Create a password that is updated periodically.
- The password must not be less than (8) characters.
- The first character of the password must be a (letter).
- The use of symbols such as (@ / $ / % ......) is not allowed.
- The password is (Case Sensitive), so distinction must be made between uppercase and lowercase letters.
2. Persons authorized to submit notifications to the Unit regarding operations suspected to be related to money laundering or terrorist financing by entities subject to the provisions of the Law must comply with the following:
- Maintain the confidentiality of their username and password, and keep a copy of it in a special sealed envelope in a safe deposit box.
- Maintain the confidentiality of their username and password and not disclose it to anyone.
- Do not write their username and password on paper or on a computer device or store it on any electronic storage medium unless saved securely.
3. In the event that the username and password are lost or forgotten more than once, the entity subject to the provisions of the Law must write to the Unit signed by the General Manager or the person authorized to sign on behalf of that entity to request an alternative username and password.
c- In the event that the means of receiving notifications are via paper correspondence, entities subject to the provisions of the Law must comply with the following:
1. Designate persons authorized to submit notifications regarding operations suspected to be related to money laundering or terrorist financing and provide them with a sample of their signature, and inform the Unit in writing in the event of changing any of these authorized persons and the reasons for the change.
2. Submit notifications to the Unit in person, and notifications may be sent for speed purposes via fax or email protected by a password in cases of extreme necessity and after prior coordination with the Unit regarding this matter, and the original must be sent to the Unit without delay.
# Article (8)
The Head of the Unit, based on the proposal of the Financial Investigation and Research Directorate, may add any items to the forms attached to these Instructions, or modify or cancel them, including adding any forms for the purpose of notifying regarding operations suspected to be related to money laundering or terrorist financing.
# Article (9)
The guide and forms attached to these Instructions are an integral part of them and shall be read with them.
# Article (10)
a- In the event that any entity subject to the provisions of the Anti-Money Laundering and Counter-Terrorist Financing Law violates any of the provisions of these Instructions, it shall be subject to one or more of the penalties stipulated in accordance with the provisions of the Law.
b- Subject to what was mentioned in Paragraph (a) of this Article, in the event that entities subject to the provisions of the Law do not comply with the provisions of Article No. (4) of these Instructions, the notification shall be returned to the notifying entity without taking any action regarding it, including in the event that it is not included in the Unit's database until the requirements are completed in accordance with the provisions of the Law and these Instructions.
# Article (11)
Instructions No. (7) of 2011, "Instructions on Forms and Means of Notification Regarding Operations Suspected to be Related to Money Laundering or Terrorist Financing," are repealed.
# Article (12)
The Head of the Unit shall issue the necessary decisions to implement the provisions of these Instructions.
---
**Head of the Unit**
Dania Tahseen Jalal
Hashemian Kingdom of Jordan www.amlu.gov.jo | Website: Jordan 11118 Amman P.O. Box: 2181 | Fax: +962 6 563 - 573 | Phone: +962 6 563 - 570
``` ```markdown
# Financial Analysis Form
## (customer profile): Customer Identification Data
- "..................." (Nationality) holds an account(s) at the Bank
/....... Branch ........ since ...../.../... , and the customer identification data for the aforementioned shows the following:
- According to the account opening request form dated: ...... / ... / ...
---
### Personal Information:
| | |
|------------------------------|-----------------------------|
| : Name | ........................................... |
| : Nationality | ........................................... |
| : Other Nationalities | ........................................... |
| : Place of Residence | ........................................... |
| Job Title / Nature of Work / Entity | ........................................... |
| : Other Income Sources | ........................................... |
| Income: Monthly/Annual | ........................................... |
| Banks with which he deals: | ........................................... |
| : Other Information | ........................................... |
---
### Identity Proof Documents:
| Number | Issue Date | Expiry Date | Notes |
|-----|---------------|----------------|---------|
| ..... | ......./.../... | ......./.../... | Civil Status ID |
| ..... | ......./.../... | ......./.../... | Passport: |
| ..... | ......./.../... | ......./.../... | Residence Document: |
| ..... | ......./.../... | ......./.../... | Other Documents: |
---
### Data of the Person(s) Authorized to Sign on the Account (if any), with statement of authorization powers:
...........................................................
---
1
Hashemian Kingdom of Jordan
www.amlu.gov.jo P.O. Box 2181 Amman 11118 Jordan Website: +962 6 5320572 Fax: +962 6 5320570
---
## - According to the customer data update form dated: ........ / ... / ...
| | |
|------------------------------|-----------------------------|
| : Other Nationalities | ........................................... |
| : Place of Residence | ........................................... |
| Job Title / Nature of Work / Entity | ........................................... |
| Income: Monthly/Annual | ........................................... |
| : Other Information | ........................................... |
---
### Data of the Person(s) Authorized to Sign on the Account (if any), with determination of authorization powers:
#### Authorization:
...........................................................
---
### - Referring to the Returned Checks Unit database, it appears as follows:
........................................................................
---
### - Referring to the Civil Status and Passports Department website, it appears that:
........................................................................
---
### - Referring to the Ministry of Industry and Trade website, it appears that:
The person "........................." owns an individual institution bearing the trade name "........................." with a capital of (..............) Jordanian Dinars, registered on date ......./.../... and currently active/suspended/ ........... and others ........... and its center is ..................
Or does not own an individual institution (according to the actual situation).
Plus any other available details.
2
---
### - Referring to the Companies Control Department website, it appears that:
The person "........................." owns or is a partner in a registered company/companies with the following details:
"........................." which is a company ................... with a capital of (..............) Jordanian Dinars
Registered on date ......./.../... and the partners in it are all of ................... and ................... and others ..................
Or does not own or participate in any company (according to the actual situation).
---
### - Referring to the database related to registered associations at the level of the Kingdom / or correspondence with the associations register, it appears that:
........................................................................
---
### - Referring to commercial databases, including but not limited to:
-(LexisNexis, World-Check, Safe Watch, Dow Jones........)
The search was conducted for "........................." and it appeared ...........................................
---
### - Referring to international sanctions lists (UN, OFAC, EU, UK, ...................) it appears as follows:
........................................................................
---
### - Referring to web search engines such as (Google), it appears that:
........................................................................
3
``` ```markdown
Second: Financial Analysis for the period from the date of account opening until ………/…/… (or the last two years or the required period):
Note: In the event of any financial transaction in a currency other than the Jordanian Dinar, its equivalent in Dinars must be included wherever it appears in the financial analysis.
- Credit Account Data:
| Number | Account Number | Account Type | Currency | Branch | Account Opening Date | Balance on Date ……… | Notes |
|-------|--------------|--------------|--------|--------|---------------------|--------------------|----------|
| 1 | ............ | ............ | ........ | ........ | ................... | ................... | Account Active / Frozen / Closed ........ |
| 2 | ............ | ............ | ........ | ........ | ................... | ................... | Account Active / Frozen / Closed ........ |
| 3 | ............ | ............ | ........ | ........ | ................... | ................... | Account Active / Frozen / Closed ........ |
- Customer Obligations:
| Type of Facilities/Financing | Purpose | Total Facility/Financing Granted | Balance on Date …………… | Grant Date | Expiry Date | Collateral* | Status of Facility/Financing |
|-------------------------|--------|----------------------------------|-------------------------------|-------------|----------------|------------|------------------------|
| 1 | ........ | ........ | ........ | ........ | ........ | ........ | Active / Variable |
| 2 | ........ | ........ | ........ | ........ | ........ | ........ | Active / Variable |
| 3 | ........ | ........ | ........ | ........ | ........ | ........ | Active / Variable |
| | | | | | | | Total |
*Insert details of Collaterals.
- Existence/non-existence of ATM or credit cards with the customer, with clarification of related details (if any):
……………………………………………………………………………………………………
- Existence/non-existence of supplementary ATM or credit cards, with statement of details (if any):
……………………………………………………………………………………………………
- Existence/non-existence of safe deposit boxes for the customer, and detailing them (if any), including those authorized to deal with these boxes and historical details of their use by the customer himself or authorized persons:
……………………………………………………………………………………………………
---
- Upon studying the account(s) of the person (specify account) at the Bank
(Branch …………………… for the period from …………………… until ……………………) It appears as follows:
Credit Financial Transactions:
The total amount of credit financial transactions was (…………) Jordanian Dinars and consisted of financial transactions in the form of cash deposits, ATM deposits, checks deposited into the account, incoming external transfers, incoming internal transfers, and………. etc., details as follows:
Cash Deposits √
(Number of Deposits ..) cash deposits with a total value of (………………) Jordanian Dinars, representing approximately (% ) of the total credit financial movements, details shown in the table below:
| Full Name of Depositor | Relationship of Depositor with Account Holder | Source of Funds according to Cash Deposit Notice and Supporting Documents if Available | Branch from Which Deposit was Made | Purpose | Amount / Dinars | Date |
|----------------------|------------------------------|------------------------------------------------------------------|------------------------------|---------|---------------|----------|
| .... | .... | .... | Branch .... | .... | .... | .... |
| .... | .... | .... | Branch .... | .... | .... | .... |
| .... | .... | .... | Branch .... | .... | .... | .... |
| .... | .... | .... | Branch .... | .... | .... | .... |
| | | | | | | |
| **Total** | | | | | | |
- The table below also shows the persons who deposited cash most frequently into the account:
| Full Name of Depositor | Amount | Notes |
|----------------------|--------|----------|
| 1 | (Total Deposited Amount) Dinars | Deposit ( ) Number of Deposits ………/…/… <br> Largest deposit transaction for the aforementioned |
| 2 | (Total Deposited Amount) Dinars | Deposit ( ) Number of Deposits ………/…/… <br> Largest deposit transaction for the aforementioned |
| | Dinars ……… | |
| | | |
| | | |
| | | |
| | | |
| **Etc……** | | |
```markdown
# Checks Deposited into the Account:
(Number of Checks ..) checks with a total value of (...........) Jordanian Dinars and representing approximately (%)
Approximately of the total credit financial movements, details shown in the table below:
| Drawee Bank | Name of Drawer | Amount / Dinars | Date | Purpose |
|-------------|-------------|----------------|---------|--------|
| ............. | ............. | ................... | ....../.../ | .............. |
| ............. | ............. | ................... | ....../.../ | .............. |
| | | ................... | | |
| | | **Total** | | |
- The table below shows details of all checks deposited into the account classified by total number of checks / amount for each drawer and arranged in descending order.
| Total Number of Checks | Total Amount / Dinars | Name of Drawer | Bank(s) of Drawer | Notes |
| --- | --- | --- | --- | --- |
| 1 | ......................... | ............ | ................... | .......... |
| 2 | ......................... | ............ | ................... | .......... |
| 3 | ......................... | ............ | ................... | .......... |
| 4 | ......................... | ............ | ................... | .......... |
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PURCHASES VIA ATM / CREDIT CARDS:
ATM CARD / CREDIT CARD SERVICE THROUGH PURCHASE TRANSACTIONS (.. NUMBER OF PURCHASE TRANSACTIONS.)
The total balance of CREDIT reached approximately (........) Jordanian Dinars, and represented approximately (% ) of
Total Credit Financial Movements, details as follows:
| Date | Amount in Original Currency | Amount Valued in Dinars | Name of Entity from Which Service or Goods were Purchased / Country (if purchases are external) |
|-----------|--------------------------|----------------------|-----------------------------------------------------------------------------|
| ......./.../ | ........... | ........... | ........... |
| ......./.../ | ........... | ........... | ........... |
| | ........... | ........... | ........... |
| | | | **Total** |
CHECKS WITHDRAWN FROM THE ACCOUNT CASH:
Checks (.. Number of CHECKS.) during the period CASH from the account CHECKS total reached
With a total amount of ( ) Jordanian Dinars, and represented approximately (% ) of Total Credit Financial Movements,
details as follows:
---
| Date | Amount / JOD | Beneficiary Name and Relationship with Account Holder | Purpose |
|---|---|---|---|
| ......./.../ | ................ | ................ | ................ |
| ......./.../ | ................ | ................ | ................ |
| ......./.../ | ................ | ................ | ................ |
| ................ | Total |
CHECKS WITHDRAWN FROM THE ACCOUNT / BY DEDUCTION:
NUMBER (..) OF CHECKS DURING THE PERIOD THROUGH DEDUCTION FROM THE ACCOUNT TOTAL AMOUNT OF CHECKS WITHDRAWN REACHED A CHECK WITH A TOTAL AMOUNT OF ( ) JORDANIAN DINARS, REPRESENTING (%) APPROXIMATELY OF TOTAL Financial Operations, details as follows:
| Beneficiary Bank | Beneficiary Name | Amount / JOD | Date | Purpose |
|---|---|---|---|---|
| ................ | ................ | ................ | ......./.../ | ................ |
| ................ | ................ | ................ | ......./.../ | ................ |
| ................ | Total |
- The table below details all checks withdrawn from the account classified by total number of checks / amounts per beneficiary and sorted in descending order:
| Total Number of Checks | Total Amounts / JOD | Beneficiary Name | Beneficiary Bank(s) | Notes |
|---|---|---|---|---|
| 1 | ................ | ................ | ................ | |
| 2 | ................ | ................ | ................ | |
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Source: Central Bank of Jordan — original document · Summary generated with machine assistance and reviewed before publication; the authoritative text is the regulator's original document. How RegAlert works
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