Instructions No. 1 of 2015 on Forms and Means for Reporting Suspicious Transactions Related to Money Laundering or Terrorist Financing

Central Bank of Jordan

Ref: 5/4/9 / 11819
Date: 8 / 12 / 1436 AH
Corresponding to: 22 / 9 / 2015 AD

Circular to Licensed Exchange Companies

Greetings,

We enclose herewith a copy of Instructions No. (1) of (2015) "Instructions on Forms and Means for Reporting Transactions Suspected of Being Related to Money Laundering or Terrorist Financing," which replaces Instructions No. (2) of (2011), and we emphasize the necessity of strict compliance with its provisions.

Please accept our highest regards,

Governor
Dr. Ziad Frieze

Number of Attachments (1)

P.O. Box 2700 Amman 11118 - Jordan Phone 4630301 / 9 Fax 4628889, 4629720 Website www.cbj.gov.jo Email info@cbj.gov.jo

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Hashemite Kingdom of Jordan
Anti-Money Laundering and Counter-Terrorist Financing Unit

Ref: M.G.A/2/2/ 653
Date: 14 September 2015

His Excellency the Governor of the Central Bank of Jordan,

Greetings,

I would like to inform Your Excellency that the Unit has issued Instructions No. (1) of (2015) "Instructions on Forms and Means for Reporting Transactions Suspected of Being Related to Money Laundering or Terrorist Financing" to replace Instructions No. (2) of (2011).

Since 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,

I enclose herewith a copy of these Instructions and their attachments, which will be implemented as of 2015/10/1. I request that you instruct the relevant parties to disseminate them to all entities under your supervision and obligated to report transactions suspected of being related to money laundering or terrorist financing.

In case of any inquiries, please feel free to contact Mr. "Raed Rawashdeh" / Senior Financial Analyst / Phone (0096265630585).

Please accept, Your Excellency, our highest regards.

Head of the Unit
Dana Tahseen Janbalat

Copy/ To the Honorable Deputy Governor of the Central Bank of Jordan / Member of the National Committee
Enclosure/ Instructions No. (1) of (2015) and its attachments

Hashemite Kingdom of Jordan
Anti-Money Laundering and Counter-Terrorist Financing Unit

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Hashemite Kingdom of Jordan
Anti-Money Laundering and Counter-Terrorist Financing Unit

Instructions No. (1) of 2015
Instructions on Forms and Means for Reporting Transactions Suspected of Being 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 Anti-Money Laundering and Counter-Terrorist Financing Unit Law and its Amendments

Article (1):
These Instructions shall be known as "Instructions on Forms and Means for Reporting Transactions Suspected of Being Related to Money Laundering or Terrorist Financing for the Year 2015" and shall be implemented as of 2015/10/1.

Article (2):
The words and phrases used in these Instructions shall have the meanings assigned to them in the effective Anti-Money Laundering and Counter-Terrorist Financing Law and the effective Anti-Money Laundering and Counter-Terrorist Financing Unit Law, unless the context indicates otherwise.

Article (3):
A- Entities subject to the provisions of the Law must notify the Unit immediately about transactions suspected of being related to money laundering or terrorist financing, in accordance with the provisions of Paragraph (3) of Paragraph (a) of Article (14) of the effective Anti-Money Laundering and Counter-Terrorist Financing Law, according to the specific form for each entity attached to these Instructions and available on the Unit's website (www.amlu.gov.jo) under the heading Entities Subject to the Law / Forms.

Hashemite Kingdom of Jordan
Anti-Money Laundering and Counter-Terrorist Financing Unit

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Hashemite Kingdom of Jordan
Anti-Money Laundering and Counter-Terrorist Financing Unit

B- The Unit shall prepare a guide for entities subject to the provisions of the Law for the purpose of filling out the forms mentioned in Paragraph (a) of this Article and attached to these Instructions, available on the Unit's website (www.amlu.gov.jo) under the heading Entities Subject to the Law / Forms.

Article (4):
A- The notification regarding transactions suspected of being related to money laundering or terrorist financing submitted by entities subject to the provisions of the Law must include the following:

The name of the entity that sent the notification and information related to it, including the name of the authorized person sending the notification.
Information about the suspected person/entity.
A description of the transaction suspected of being related to money laundering or terrorist financing and all information related to it, including the parties to the transaction, the beneficial owner, the circumstances of its discovery, and its current status.
Identification of the amounts involved in the transaction suspected of being related to money laundering or terrorist financing.
Identification of the nature of the relationship between the suspected person and the reporting entity.
The nature of the suspicion and indicators of suspicion.
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 provide the Unit directly via electronic systems and approved paper correspondence with the following when reporting transactions suspected of being related to money laundering or terrorist financing:

Customer identification data and any updates made to it, which clarify the customer profile, along with supporting documents.

Hashemite Kingdom of Jordan
Anti-Money Laundering and Counter-Terrorist Financing Unit

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Hashemite Kingdom of Jordan
Anti-Money Laundering and Counter-Terrorist Financing Unit

Copies of documents provided by the customer as enhancements to the transaction they conducted or any other documents that help the Unit investigate and analyze the notifications.
Details of the study relied upon in making the decision to notify the Unit, including statements showing 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 sole establishments.
Database related to registered associations at the kingdom level / or results of contacting the associations register.
Sanctions lists issued by the Security Council in the field of counter-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).

In addition to what is mentioned in Paragraph (3) of Paragraph (b) of this Article, studies 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 showing the relationship between the parties to the suspected transaction in light of the financial analysis.

Hashemite Kingdom of Jordan
Anti-Money Laundering and Counter-Terrorist Financing Unit

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Hashemite Kingdom of Jordan
Anti-Money Laundering and Counter-Terrorist Financing Unit

C- In the event that any entity subject to the provisions of the Law is unable to provide the Unit immediately with any of the information and data mentioned in Paragraph (b) of this Article, it must notify 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 transaction suspected of being related to money laundering or terrorist financing.

D- When the Unit requests the provision of any additional information it deems necessary to perform its functions in accordance with the provisions of Paragraph (a) of Article (17) of the effective Anti-Money Laundering and Counter-Terrorist Financing Law, entities subject to the provisions of the Law must provide the Unit with the response via electronic systems and approved paper correspondence within the period specified by the Unit, and banks operating in the Kingdom must provide the Unit with the response attached with the Financial Analysis according to the same form mentioned in Paragraph (4) of Paragraph (b) of this Article (Financial Analysis Form).

Article (5):
Entities subject to the provisions of the Law must maintain 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 alert the suspected customer to 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 amounts in cash or use other payment means in a way that ensures the achievement of an audit trail, and must notify the Unit thereof immediately.

Hashemite Kingdom of Jordan
Anti-Money Laundering and Counter-Terrorist Financing Unit

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Hashemite Kingdom of Jordan
Anti-Money Laundering and Counter-Terrorist Financing Unit

Article (7):
A- The means of receiving notifications submitted by entities subject to the provisions of the Law to the Unit shall be either via electronic systems or via paper correspondence approved by the Unit.

B- In the event that the means of receiving notifications is via electronic systems:

Entities subject to the provisions of the Law must designate the authorized persons to send notifications regarding transactions suspected of being related to money laundering or terrorist financing, and notify 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.

Authorized persons sending notifications to the Unit regarding transactions suspected of being 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 save a copy in a sealed envelope in the safe deposit box.
Maintain the confidentiality of their username and password and not disclose it to anyone.

Hashemite Kingdom of Jordan
Anti-Money Laundering and Counter-Terrorist Financing Unit

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Hashemite Kingdom of Jordan
Anti-Money Laundering and Counter-Terrorist Financing Unit

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.

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 is via paper correspondence, entities subject to the provisions of the Law must do the following:

Designate the authorized persons to send notifications regarding transactions suspected of being related to money laundering or terrorist financing and provide the Unit with a sample of their signatures, and notify the Unit in writing in the event of changing any of these authorized persons and the reasons for the change.
Send notifications to the Unit by hand, 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, and the original must be sent to the Unit without delay.

Article (8):
The Head of the Unit may, based on the proposal of the Investigation and Financial Analysis Directorate, add any items to the forms attached to these Instructions or modify or delete them, including adding any forms for the purpose of reporting transactions suspected of being 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 together.

Hashemite Kingdom of Jordan
Anti-Money Laundering and Counter-Terrorist Financing Unit

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Hashemite Kingdom of Jordan
Anti-Money Laundering and Counter-Terrorist Financing Unit

Article (10):
A- In the event that any entity subject to the provisions of the effective 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 prescribed by the provisions of the Law.

B- Without prejudice to what is 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 reporting entity without taking any action regarding it, including including it 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. (2) of (2011) "Instructions on Forms and Means for Reporting Transactions Suspected of Being 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
Dana Tahseen Janbalat

Hashemite Kingdom of Jordan
Anti-Money Laundering and Counter-Terrorist Financing Unit

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Hashemite Kingdom of Jordan
Anti-Money Laundering and Counter-Terrorist Financing Unit

Guidelines for Filling Out the Notification Form for Transactions Suspected of Being Related to Money Laundering or Terrorist Financing for Entities Subject to the Provisions of the Effective Anti-Money Laundering and Counter-Terrorist Financing Law

The following guidelines must be followed when filling out the attached form:

1- Fill out the form using a computer, where the notification form can be downloaded from the Unit's website www.amlu.gov.jo under the heading Entities Subject to the Law / Forms, and if this is not possible, the form must be filled out manually with clear letters and a clear, legible font without ambiguity. 2- Send the form to the Head of the Anti-Money Laundering and Counter-Terrorist Financing Unit, stamped and signed by the reporting official appointed by the reporting entity. 3- Deliver the notification by hand to the Anti-Money Laundering and Counter-Terrorist Financing Unit, and in cases requiring urgent notification of the Unit, send the form via fax or email protected by a password, and send the original to the Unit without delay. Note that the Unit's address is:

Anti-Money Laundering and Counter-Terrorist Financing Unit Amman – Prince Shakir bin Zaid Street Building No. (52) Phone: 5630570-6-00962 Fax: 5630572-6-00962 Email: info@amlu.gov.jo

4- Maintain the confidentiality of the information contained in the notification form and not disclose it to any unauthorized party, including the suspected customer, under legal liability.

Hashemite Kingdom of Jordan
Anti-Money Laundering and Counter-Terrorist Financing Unit

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Hashemite Kingdom of Jordan
Anti-Money Laundering and Counter-Terrorist Financing Unit

5- Complete the data for natural persons based on the identity document, and for legal persons based on the registration certificate data with the competent authority.
6- If the suspected person is an agent for another person, mention the suspected person's data in Item (Second/A) of the notification form and mention the (Principal - Beneficial Owner) information in Item (Fourth) of the same form. 7- If there is more than one authorized person to sign on behalf of the legal person, ensure to mention all of them in Item (Second/B/7) of the notification form. 8- Within Item (Ninth) of the notification form, fill out the measures taken by the reporting entity to verify the validity of the suspicion, for example, searches within government and commercial databases and verification of the purpose of transactions conducted by the suspected person and their compatibility with the nature of their activity. 9- In case of multiple choices, place a mark (✓) on the required choice. 10- Attach copies of all available and necessary documents and papers to help the Unit perform its work. 11- If the notification is an amendment to a previous notification, fill out only the information to be modified on a blank form, with the necessary indication of the date of the original notification and the name of the suspected person. 12- You can view the effective Anti-Money Laundering and Counter-Terrorist Financing Law and any other information you wish to obtain through the Unit's website (www.amlu.gov.jo).

Hashemite Kingdom of Jordan
Anti-Money Laundering and Counter-Terrorist Financing Unit

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Date: / /
For Unit Use Only
Notification Regarding a Transaction Suspected of Being Related to Money Laundering or Terrorist Financing Notification Number:
Notification Date:
Filled out by Exchange Companies

☐ New Notification ☐ Amendment to a Previous Notification

First: Information about the Notifier:

Trade Name................................................................................................................................
Company or Institution Name......................................................................................................................
Registration Information with Competent Authorities
| Registration Number | | Registration Date | / / |
| --- | --- | --- | --- |
| Company Type | | Establishment National Number | |
Authorized Person(s) to Sign on Behalf
| Name | | National Number | | Title | |
| --- | --- | --- | --- | --- | --- |
| Name | | National Number | | Title | |
Address in Jordan
| Governorate | | City | | District | |
| --- | --- | --- | --- | --- | --- |
| Street | | Building Number | | | |
| P.O. Box | | Postal Code | | Phone Number | |
| Mobile Number | | Fax Number | | | |
Reporting Official Name
| Mobile Number | | Email | |
Branch Where the Transaction Took Place...................................................................................................................

Second: Information about the Suspected Person:
A- Natural Person

Person's Name................................................................................................................................

Ensure to maintain the confidentiality of the information contained in the notification form and not disclose it to any unauthorized party, including the suspected customer, under the legal liability stipulated in the effective Anti-Money Laundering and Counter-Terrorist Financing Law.

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Nature of Activity................................................................................................................................
Identity Document Information
| Document Type | | Document Number | | Nationality | | Jordanian National Number | | Gender | |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| | | | | | | | | ☐ Male ☐ Female | |

Place of Issue		Date of Issue	/ /	Expiry Date	/ /
Date of Birth		Place of Birth

Employer................................................................................................................................
Residency Indicator ☐ Resident ☐ Non-Resident
Permanent Residence Address
| Country | | P.O. Box | | Postal Code | |
| --- | --- | --- | --- | --- | --- |
| Phone Number | | Mobile | | Fax | |
Address in Jordan
| Governorate | | City | | District | |
| --- | --- | --- | --- | --- | --- |
| Street | | Building Number | | | |
| P.O. Box | | Postal Code | | Phone Number | |
| Mobile Number | | Fax Number | | | |

B- Legal Person

Trade Name................................................................................................................................
Company or Institution Name......................................................................................................................
Registration Information with Competent Authorities
| Registration Number | | Registration Date | / / |
| --- | --- | --- | --- |
| Company Type | | Nature of Activity | |
| Nationality | | Establishment National Number | |
| Does it have a relationship with other companies? ☐ Yes ☐ No | | | |
| Mention them ................................................................................................................................. | | | |
Residency Indicator ☐ Resident ☐ Non-Resident
Permanent Residence Address
Ensure to maintain the confidentiality of the information contained in the notification form and not disclose it to any unauthorized party, including the suspected customer, under the legal liability stipulated in the effective Anti-Money Laundering and Counter-Terrorist Financing Law.

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Country		P.O. Box		Postal Code
Phone Number		Mobile		Fax

Address in Jordan
| Governorate | | City | | District | |
| --- | --- | --- | --- | --- | --- |
| Street | | Building Number | | | |
| P.O. Box | | Postal Code | | Phone Number | |
| Mobile Number | | Fax Number | | | |
Authorized Persons to Sign
| Name | | Nationality | | National Number | | Title | |

Third: Relationship of the Suspected Person with the Reporting Entity:

Is there a relationship between the suspected person and the reporting entity? ☐ Yes ☐ No
Nature of the Relationship between the Suspected Person and the Reporting Entity
| ☐ Client | ☐ Employee | ☐ Shareholder |
| --- | --- | --- |
| ☐ Accountant | ☐ Lawyer | ☐ Other (Mention it)................................. |
Is it a professional relationship? ☐ Yes ☐ No
If the answer is yes, what is the nature of the relationship?
| ☐ Still in office | ☐ Employee for Work | ☐ Services Terminated | ☐ Resigned |
| --- | --- | --- | --- |
| Date of Suspension from Work / Termination of Services / Resignation: / / | | | |

Fourth: Beneficial Owner:

Beneficial Owner's Name.........................................................................................................................
Identity Document Information
| Document Type | | Document Number | | Nationality | | Jordanian National Number | | Gender | |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| | | | | | | | | ☐ Male ☐ Female | |

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Place of Issue		Date of Issue	/ /	Expiry Date	/ /
3. Nature of Activity		4. Employer

Residency Indicator ☐ Resident ☐ Non-Resident
Permanent Residence Address
| Country | | P.O. Box | | Postal Code | |
| --- | --- | --- | --- | --- | --- |
| Phone Number | | Mobile | | Fax | |
Address in Jordan
| Governorate | | City | | District | |
| --- | --- | --- | --- | --- | --- |
| Street | | Building Number | | | |
| P.O. Box | | Postal Code | | Phone Number | |
| Mobile Number | | Fax Number | | | |

Fifth: Information Related to the Suspected Transaction:

Transaction Date / /
Suspicion Date / /
Transaction Value:
| Currency | | Equivalent Value in Jordanian Dinar | |
Transaction Type:
| ☐ Purchase of Foreign Currency | ☐ Sale of Foreign Currency | ☐ Purchase of Checks | ☐ Sale of Checks |
| --- | --- | --- | --- |
| ☐ Issuance of Remittances | ☐ Receipt of Remittances | ☐ Purchase of Precious Metals | ☐ Sale of Precious Metals |
| ☐ Other (Mention it)................................................................................................................. | | | |
Payment Method
| ☐ Cash Payment | ☐ Transfer from Foreign Bank | ☐ Checks | ☐ Credit Card |
| --- | --- | --- | --- |
| ☐ Other (Mention it)................................................................................................................. | | | |
Name of Payer:
Bank Name (Sender of Remittance / Drawee of Check / Card Issuer):
Country Where the Bank is Located

Sixth: Nature of Suspicion:

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☐ Forgery	☐ Embezzlement	☐ Fraud	☐ Market Manipulation
☐ Organized Crime	☐ Theft	☐ Terrorist Financing	☐ Illegal Arms Trafficking
☐ Human Trafficking	☐ Drug Trafficking	☐ Other (Mention it).................................................................................................................

Seventh: Brief Description of the Subject Transaction (Attach Available Documents and Papers):
....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................

Lineage: No known changes

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