{"id":4763,"date":"2025-12-26T15:59:37","date_gmt":"2025-12-26T14:59:37","guid":{"rendered":"https:\/\/www.exacomaudit.com\/circular-no-2025-17-to-banks-and-financial-institutions\/"},"modified":"2026-06-30T10:10:29","modified_gmt":"2026-06-30T08:10:29","slug":"circular-no-2025-17-to-banks-and-financial-institutions","status":"publish","type":"post","link":"https:\/\/www.exacomaudit.com\/en\/circular-no-2025-17-to-banks-and-financial-institutions\/","title":{"rendered":"Circular No. 2025-17 to Banks and Financial Institutions"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4763\" class=\"elementor elementor-4763\">\n\t\t\t\t<div class=\"elementor-element elementor-element-53d9ab7 row_breadcrumbs e-flex e-con-boxed e-con e-parent\" data-id=\"53d9ab7\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1f71335 elementor-widget elementor-widget-page-title\" data-id=\"1f71335\" data-element_type=\"widget\" data-widget_type=\"page-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\n\t\t<div class=\"hfe-page-title hfe-page-title-wrapper elementor-widget-heading\">\n\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.exacomaudit.com\/en\/\">\n\t\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">\n\t\t\t\t\t\t\t\t\n\t\t\t\tCircular No. 2025-17 to Banks and Financial Institutions  \n\t\t\t<\/h1 > \n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56ba863 elementor-widget elementor-widget-hfe-breadcrumbs-widget\" data-id=\"56ba863\" data-element_type=\"widget\" data-widget_type=\"hfe-breadcrumbs-widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<nav aria-label=\"Breadcrumb\"><ul class=\"hfe-breadcrumbs hfe-breadcrumbs-show-home\"><li class=\"hfe-breadcrumbs-item hfe-breadcrumbs-first\"><span class=\"hfe-breadcrumbs-home-icon\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-home\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M280.37 148.26L96 300.11V464a16 16 0 0 0 16 16l112.06-.29a16 16 0 0 0 15.92-16V368a16 16 0 0 1 16-16h64a16 16 0 0 1 16 16v95.64a16 16 0 0 0 16 16.05L464 480a16 16 0 0 0 16-16V300L295.67 148.26a12.19 12.19 0 0 0-15.3 0zM571.6 251.47L488 182.56V44.05a12 12 0 0 0-12-12h-56a12 12 0 0 0-12 12v72.61L318.47 43a48 48 0 0 0-61 0L4.34 251.47a12 12 0 0 0-1.6 16.9l25.5 31A12 12 0 0 0 45.15 301l235.22-193.74a12.19 12.19 0 0 1 15.3 0L530.9 301a12 12 0 0 0 16.9-1.6l25.5-31a12 12 0 0 0-1.7-16.93z\"><\/path><\/svg><\/span><a href=\"https:\/\/www.exacomaudit.com\/en\/\"><span class=\"hfe-breadcrumbs-text\">Home<\/span><\/a><\/li><\/ul><\/nav>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8890359 e-flex e-con-boxed e-con e-parent\" data-id=\"8890359\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0a974e2 elementor-widget elementor-widget-heading\" data-id=\"0a974e2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Strengthening Internal Controls for Anti-Money Laundering (AML), Counter-Terrorism Financing (CTF), and Anti-Money Laundering and Counter-Terrorism Financing (AML\/CTF)-ADM LBA\/FT\/FP-ADM<\/p>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b9cb2c2 e-flex e-con-boxed e-con e-parent\" data-id=\"b9cb2c2\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4346e42 elementor-widget elementor-widget-heading\" data-id=\"4346e42\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Internal control mechanisms and policies regarding the prevention of money laundering, terrorist financing, and the financing of the proliferation of weapons of mass destruction.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f82838 elementor-widget elementor-widget-text-editor\" data-id=\"8f82838\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>As part of its efforts to update its framework for addressing financial risks, the Central Bank of Tunisia has amended and supplemented Circular No. 2017-08 to strengthen internal controls at banks and financial institutions with regard to:<\/p>\n<ul>\n<li>Anti-Money Laundering (AML);<\/li>\n<li>Countering the Financing of Terrorism (CFT);<\/li>\n<li>Countering the Financing of the Proliferation of Weapons of Mass Destruction (CFP-WMD).<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<p>This circular aims to align practices with international standards and changes in national regulations.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c578b17 elementor-widget elementor-widget-heading\" data-id=\"c578b17\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Key changes introduced<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-771ddf2 elementor-widget elementor-widget-heading\" data-id=\"771ddf2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">1. Risk Assessment and Management (Amended Article 4)<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16982ab elementor-widget elementor-widget-text-editor\" data-id=\"16982ab\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Institutions must:<\/p>\n<ul>\n<li>Identify and assess their AML\/CFT\/WMD-related risks, taking into account:<\/li>\n<\/ul>\n<p>&#8211; The characteristics of their customers, products, technologies, and geographic areas;<\/p>\n<p>&#8211; National risk assessments;<\/p>\n<p>&#8211; Reliable external information.<\/p>\n<ul>\n<li>Record these assessments in a report that is updated at least every three years, or sooner in the event of a significant occurrence.<\/li>\n<li>Be able to demonstrate to the BCT the relevance of their assessments and the measures implemented.<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e79e9e elementor-widget elementor-widget-heading\" data-id=\"1e79e9e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">2. Definition of Proliferation Risk (FP-ADM)<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-daa4681 elementor-widget elementor-widget-text-editor\" data-id=\"daa4681\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Any failure to comply with the targeted financial sanctions obligations set forth in UN Security Council resolutions is considered a proliferation financing risk, including:<\/p>\n<ul>\n<li>The immediate freezing of funds and assets;<\/li>\n<li>The prohibition on making funds available to designated persons or entities.<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5119143 elementor-widget elementor-widget-heading\" data-id=\"5119143\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">3. Compliance Questionnaire (Amended Article 14)<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d396f65 elementor-widget elementor-widget-text-editor\" data-id=\"d396f65\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Institutions must assess their AML\/CFT framework using:<\/p>\n<ul>\n<li>a questionnaire included in Appendix 3 of the circular;<\/li>\n<li>or the Wolfsberg Group questionnaire, if required by a cross-border correspondent bank.<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-329a4c5 elementor-widget elementor-widget-heading\" data-id=\"329a4c5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">4. Inclusion in the Code of Ethics (Amended Article 53)<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48bd777 elementor-widget elementor-widget-text-editor\" data-id=\"48bd777\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Anti-money laundering and counter-terrorist financing rules are now an integral part of the code of conduct set forth in Circular No. 2021-05 on governance.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d90a161 elementor-widget elementor-widget-heading\" data-id=\"d90a161\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">5. Designation of the CTAF Contact Person (Amended Section 57)<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6993e43 elementor-widget elementor-widget-text-editor\" data-id=\"6993e43\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A copy of the decision appointing the liaison officer to the Tunisian Financial Analysis Commission (CTAF) and his or her alternate must be submitted to the BCT within 5 days of the appointment.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ad6783 elementor-widget elementor-widget-heading\" data-id=\"2ad6783\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">6. Reporting of Suspicious Transactions (Amended Section 58)<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a95215 elementor-widget elementor-widget-text-editor\" data-id=\"3a95215\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Reports must be submitted immediately via the goAML platform, in accordance with CTAF procedures.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c450b4 elementor-widget elementor-widget-heading\" data-id=\"8c450b4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">7. New quarterly report on frozen assets (Article 59 bis added)<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5872c1 elementor-widget elementor-widget-text-editor\" data-id=\"e5872c1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Institutions must submit to the BCT, within 20 business days after the end of each quarter, a statement of frozen assets regarding:<\/p>\n<ul>\n<li>Assets frozen under UN sanctions;<\/li>\n<li>The asset freezes ordered by the National Commission for the Fight Against Terrorism (CNLCT).<\/li>\n<\/ul>\n<p>This report must follow the format in Annex 6.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29084b0 elementor-widget elementor-widget-heading\" data-id=\"29084b0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">8. Submission of the Risk Assessment Report (Amended Section 60)<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bf1bc1 elementor-widget elementor-widget-text-editor\" data-id=\"8bf1bc1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The risk assessment report required under Article 4 must be submitted to the BCT each time it is updated.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9c8e0f7 elementor-widget elementor-widget-heading\" data-id=\"9c8e0f7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">9. Deletion of the phrase \u201cNumber of children\u201d (Article 10)<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c5e335e elementor-widget elementor-widget-text-editor\" data-id=\"c5e335e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The field \u201cNumber of children\u201d has been removed from the minimum information required to identify individual customers.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3eb47b4 elementor-widget elementor-widget-heading\" data-id=\"3eb47b4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">10. Reporting Update (Article 11)<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f03efa elementor-widget elementor-widget-text-editor\" data-id=\"0f03efa\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Appendix I of Circular No. 2017-06 has been amended to include two new declarations in the \u201cAML\/CFT\u201d sub-section.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-228f917 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"228f917\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.exacomaudit.com\/wp-content\/uploads\/2025\/12\/Cir_2025_17_fr_.pdf\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\ud83d\udcc4 Document officiel \u00e0 t\u00e9l\u00e9charger <\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Circular No. 2025-17 to Banks and Financial Institutions Home Strengthening Internal Controls for Anti-Money Laundering (AML), Counter-Terrorism Financing (CTF), and Anti-Money Laundering and Counter-Terrorism Financing (AML\/CTF)-ADM LBA\/FT\/FP-ADM Internal control mechanisms and policies regarding the prevention of money laundering, terrorist financing, and the financing of the proliferation of weapons of mass destruction. As part of its<\/p>\n","protected":false},"author":2,"featured_media":3797,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[19],"tags":[],"class_list":["post-4763","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.6 (Yoast SEO v26.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Circulaire n\u00b02025-17 \u2013 Banques et \u00e9tablissements<\/title>\n<meta name=\"description\" content=\"Synth\u00e8se de la circulaire n\u00b02025-17 destin\u00e9e aux banques et \u00e9tablissements financiers : cadre, obligations r\u00e9glementaires et impacts.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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