FATF 40 Recommendations — International AML/CFT Standards
FATF 40 Recommendations — International AML/CFT Standards — 50% covered.
5 requirements · 0 enforced · 5 designed · 0 advisory · 0 deferred.
Source: The Financial Action Task Force (FATF) 40 Recommendations are the global authority anchor for anti-money-laundering and counter-terrorist-financing (AML/CFT). They require a risk-based approach (R.1), customer due diligence and beneficial-ownership identification (R.10), record-keeping (R.11), the FATF Travel Rule for wire transfers and virtual-asset transfers (R.16), and suspicious-transaction reporting to the financial intelligence unit (R.20). KYE Protocol(TM) governs WHETHER an AI agent's AML action may proceed at the action boundary - alert triage, sanctions screening, SAR/STR drafting, KYC/CDD - under a named compliance officer's authority, with due diligence recorded before the action and replay-provable provenance, and section-36 two-person sign-off on consequential filings (SAR/STR). KYE does not run transaction-monitoring models, does not decide whether a transaction is truly money-laundering, and does not replace the institution's AML program. · License: The FATF Recommendations are published by the Financial Action Task Force; KYE registry cites their recommendation numbers for mapping purposes.
By category
| Category | Reqs | Enforced | Designed | Advisory | Deferred | Coverage |
|---|---|---|---|---|---|---|
| Risk-based approach | 1 | 0 | 1 | 0 | 0 | 50% |
| Customer due diligence & beneficial ownership | 1 | 0 | 1 | 0 | 0 | 50% |
| Record-keeping | 1 | 0 | 1 | 0 | 0 | 50% |
| Travel Rule (wire / virtual-asset transfers) | 1 | 0 | 1 | 0 | 0 | 50% |
| Suspicious transaction reporting | 1 | 0 | 1 | 0 | 0 | 50% |
Every requirement → the KYE™ artefact that enforces it
| ID | Title | Status | KYE™ enforcement |
|---|---|---|---|
fatf-40-recommendations.r1-risk-based-approach |
Risk-based approach (R.1): an AI AML action proceeds under a named-authority decision proportionate to assessed ML/TF risk | designed | rule_packs: kye:rule-pack:aml-financial-crimesdictionaries: internalconstitution_refs: constitution/12-PURPOSE-PERMISSION.md |
fatf-40-recommendations.r10-customer-due-diligence |
Customer due diligence & beneficial ownership (R.10): CDD/KYC result recorded before an AI KYC/CDD action proceeds | designed | rule_packs: kye:rule-pack:aml-financial-crimesdictionaries: internalconstitution_refs: constitution/12-PURPOSE-PERMISSION.md |
fatf-40-recommendations.r11-record-keeping |
Record-keeping (R.11): a replay-provable provenance pin preserves the AI AML decision lineage | designed | rule_packs: kye:rule-pack:aml-financial-crimesdictionaries: internalconstitution_refs: constitution/13-RESILIENCE-LOOP.md |
fatf-40-recommendations.r16-travel-rule |
Travel Rule (R.16): originator/beneficiary data and counterparty VASP due diligence on wire / virtual-asset transfers | designed | rule_packs: kye:rule-pack:travel-rule-fatf-r16, kye:rule-pack:aml-financial-crimessector_packs: kye:sector-pack:travel-rule-fatf-r16dictionaries: internalconstitution_refs: constitution/54-SECTOR-PACK-FOUNDRY.md |
fatf-40-recommendations.r20-suspicious-transaction-reporting |
Suspicious transaction reporting (R.20): SAR/STR filing is the killer consequential action requiring section-36 two-person sign-off | designed | rule_packs: kye:rule-pack:aml-financial-crimesconstitution_refs: constitution/36-GOVERNEDUI.md |