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Aboodi Abdoon <[email protected]> |
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1. Customer Due Diligence (CDD)
Lending institutions must verify the identity of their clients using official documents such as:
National Identification Cards
Iqamah (residence permit)
Passports
Additionally, verifying the client's address through recent utility bills or bank statements is mandatory .
2. Enhanced Due Diligence (EDD)
For high-risk clients, including Politically Exposed Persons (PEPs), lending companies are required to:
Obtain detailed information about the client's occupation and source of funds
Conduct on-site visits to verify the nature of the client's business
Secure approval from senior management before establishing business relationships with such clients .
3. Creditworthiness Assessment
Lending companies must evaluate the creditworthiness of institutional borrowers by:
Assessing credit records through licensed credit bureaus
Documenting approval processes
Registering credit information with authorized bureaus .
4. Record Keeping
All due diligence records, including customer identification and transaction histories, must be retained for a minimum of ten years to comply with Anti-Money Laundering (AML) and Counter-Financing of Terrorism (CFT) regulations .
5. Transaction Monitoring
Lending institutions are obligated to continuously monitor transactions to detect and report suspicious activities. This includes:
Utilizing appropriate technologies for monitoring
Testing supervisory tools annually
Reporting suspicious transactions to the Saudi Financial Intelligence Unit (SAFIU) .
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Saudi Arabian Monetary Authority (SAMA)
SAMA oversees the regulatory framework for financial institutions in Saudi Arabia, including lending companies. Key regulations include:
Implementing Anti-Money Laundering (AML) and Counter-Terrorism Financing (CFT) laws
Establishing guidelines for customer due diligence and record-keeping .
Credit Information Law
Under the Credit Information Law, lending companies are required to:
Share credit information with licensed credit bureaus like Bayan
Ensure transparency in credit reporting to assess the financial commitments and creditworthiness of borrowers .
Debt Crowdfunding Regulations
For companies engaged in debt-based crowdfunding, regulations stipulate that:
A comprehensive due diligence program, including Know Your Customer (KYC) policies, must be established
Creditworthiness assessments should be conducted and documented
Service agreements with participants must be detailed and transparent .
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Regular Audits and Assessments: Conduct periodic internal and external audits to ensure compliance with regulatory requirements.
Staff Training: Provide ongoing training for staff on AML/CFT regulations and due diligence procedures.
Technology Integration: Implement advanced technology solutions for transaction monitoring and data analysis.
Legal Consultation: Engage legal experts to stay updated on regulatory changes and ensure contractual compliance.
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By adhering to these due diligence practices and regulatory frameworks, lending companies in Saudi Arabia can enhance their operational integrity, mitigate financial risks, and contribute to the stability of the financial sector.
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