🇸🇦 Live AML & Counter-Terrorism Financing

SAMA AML/CTF Guide

SAMA anti-money laundering and counter-terrorism financing requirements covering customer due diligence, transaction monitoring, and suspicious activity reporting. Applies to financial institutions regulated by SAMA.

Rules extracted

Obligations decomposed

4.2x

Avg obligations per rule

🇸🇦 Saudi Arabia

Jurisdiction

What AuditDSS covers

Source

Regulation

Extracted

Rules

Decomposed

Obligations

4.2x

Decomposition ratio

Each rule is decomposed into an average of 4.2 atomic obligations — the smallest testable units that can be independently violated.

Fully extracted & scored

All 42 obligations have been decomposed, titled, risk-scored, and embedded for semantic matching.

Risk scoring

Every obligation in SAMA AML/CTF Guide is scored across independent risk dimensions:

Obligation Weight

How critical within the regulatory framework

Violation Likelihood

How often breached in practice

Enforcement Evidence

Regulator enforcement history and penalties

Cascade Dependency

How many obligations depend on this one

Regulatory details

Full title: SAMA AML/CTF Guide
Regulatory body: Saudi Arabian Monetary Authority
Jurisdiction: 🇸🇦 Saudi Arabia
Document type: regulation
Effective date: January 1, 2022
Industry: AML & Counter-Terrorism Financing

Who this applies to

banksmoney exchangersinsurance companiesfinance companiespayment service providers

Key requirements

risk-based approach
customer due diligence (CDD)
enhanced due diligence for PEPs
beneficial ownership identification
transaction monitoring
suspicious transaction reporting to SAFIU
10-year record retention
compliance officer appointment
independent audit function
sanctions screening

Frequently asked questions about SAMA AML/CTF Guide

What is SAMA AML/CTF Guide?

Who does SAMA AML/CTF Guide apply to?

SAMA AML/CTF Guide applies to banks, money exchangers, insurance companies, finance companies, payment service providers.

How many obligations does SAMA AML/CTF Guide contain?

AuditDSS has decomposed SAMA AML/CTF Guide into 42 atomic obligations from 10 rules. Each obligation is independently testable and risk-scored.

What are the key requirements of SAMA AML/CTF Guide?

The key requirements include: risk-based approach, customer due diligence (CDD), enhanced due diligence for PEPs, beneficial ownership identification, transaction monitoring, suspicious transaction reporting to SAFIU, 10-year record retention, compliance officer appointment, independent audit function, sanctions screening.

How can I assess my SAMA AML/CTF Guide compliance?

Upload your compliance policy to AuditDSS. The platform maps your document against all 42 SAMA AML/CTF Guide obligations using deterministic AI scoring — not checklists or LLM summaries. You get a risk-scored gap analysis showing exactly which obligations are covered, partially covered, or missing.

Which jurisdiction enforces SAMA AML/CTF Guide?

SAMA AML/CTF Guide is enforced in Saudi Arabia by Saudi Arabian Monetary Authority.

When did SAMA AML/CTF Guide come into effect?

SAMA AML/CTF Guide became effective on January 1, 2022.

What industry does SAMA AML/CTF Guide apply to?

SAMA AML/CTF Guide is primarily relevant to the AML & Counter-Terrorism Financing industry. AuditDSS covers 64 regulations in this industry sector.

Build a SAMA AML/CTF Guide compliance pack

Don't have a compliance policy yet? AuditDSS generates a complete compliance pack for SAMA AML/CTF Guide — alone or combined with other regulations your business needs. Every clause is mapped to specific obligations.

Policy

High-level commitments and governance framework covering SAMA AML/CTF Guide requirements.

Procedures

Step-by-step operational procedures to implement each policy commitment.

Forms & checklists

Ready-to-use forms, registers, and checklists for day-to-day compliance operations.

Multi-regulation

Combine SAMA AML/CTF Guide with other regulations into a single unified compliance pack for your business.

Build SAMA AML/CTF Guide compliance pack

Already have a policy? Assess it against SAMA AML/CTF Guide

Upload your document

Upload your compliance policy, program manual, or operational document. AuditDSS accepts any text-based document.

AI maps against 42 obligations

Your document is scored against every obligation in SAMA AML/CTF Guide. Each claim is mapped to the obligation tree and evaluated for coverage.

Risk-scored gap report

Receive every gap ranked by risk priority with remediation guidance, enforcement evidence, and cascade impact analysis.