Texte juridique NRA 2019-2020 · Rapport national…

Pays: Cameroun
Type: Texte juridique
Numéro: NRA 2019-2020
Date d'adoption: 30 avril 2020
Organisation: Ministère des Finances du Cameroun

RésuméCe rapport présente la première évaluation nationale des risques de blanchiment de capitaux et de financement du terrorisme (BC/FT) au Cameroun. Il analyse les menaces et vulnérabilités du système camerounais, couvrant les secteurs bancaire, financier, des assurances et des professions non financières désignées. Le rapport identifie les priorités et propose un plan d'action pour renforcer le dispositif national de lutte contre le BC/FT. Il a été réalisé avec l'appui technique de la Banque…

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# TABLE OF CONTENTS

Table of Contents... 1 Acronyms... 2 Statement by the Minister of Finance... 6 Executive Summary... 8 Introduction... 11 Methodology and Major Challenges... 13 Overall ML/TF Risk Assessment... 17 Chapter 1: Analysis of National ML Threat... 21 Chapter 2: Analysis of National ML Vulnerability... 37 Chapter 3: Analysis of National Banking Sector Vulnerability to ML... 61 Chapter 4: Analysis of National Financial Sector Vulnerability to ML... 93 Chapter 5: Analysis of Vulnerability of the Insurance Sector to ML... 120 Chapter 6: Analysis of Vulnerability of other Financial Institutions to ML... 138 Chapter 7: Analysis of the DNFBP Vulnerability to ML... 176 Chapter 8: Threats of the National Vulnerability of Terrorist Financing... 223 Chapter 9: ML/TF Risks Inherent in Financial Inclusion Products... 233 Priority Measures... 249 Disclaimer... 254

ACRONYMS

| AF: | Asset Forfeiture | | --- | --- | | AML/CFT: | Anti-money laundering and combating the financing of terrorism | | AML: | Anti-money laundering | | APCAR: | Professional Association of Insurance and Reinsurance Brokers | | ASAC: | Cameroon Association of Insurance Companies | | BEAC: | Bank of Central African States | | BTA: | Fungible Treasury Bills | | CAA: | Autonomous Sinking Fund | | CAC: | CEMAC NAFI Conference | | CDD: | Customer due diligence | | CEMAC: | Central African Economic and Monetary Community | | CFAF: | Franc of Financial Cooperation in Central Africa | | CFT: | Combating the financing of terrorism | | CIMA: | Inter-African Conference of Insurance Markets | | COBAC: | Central African Banking Commission | | CONAC: | National Anti-Corruption Commission | | CONSUPE: | Supreme State Audit Office | | COSUMAF: | Central African Financial Market Supervisory Commission | | CPFSP: | Cellular Phone Financial Services Provider | | DC: | Duties compromised | | DE: | Duties evaded |

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| DGD: | Directorate General of Customs | | --- | --- | | DGI: | Directorate General of Taxation | | DGRE: | Directorate General for External Research | | DGSN: | General Delegation for National Security | | DN/BEAC: | BEAC National Directorate | | DNFBP: | Designated Non-Financial Businesses and Professions | | DSX : | Douala Stock Exchange | | ENAM: | National Advanced School of Administration and Magistracy | | FATF: | Financial Action Task Force | | FIBANE: | National Banking Database on Companies | | FIU: | Financial Intelligence Unit | | FMC: | Financial Markets Commission | | FSRBs: | FATF-Style Regional Bodies | | GABAC: | Central African Anti-Money Laundering Task Force | | GTC: | General Tax Code | | HPI: | Hire-Purchase Institution | | ISP: | Investment service provider | | JPO: | Judicial Police Officer | | KYC: | Know Your Customer | | MC: | Ministerial Committee | | MFI: | Microfinance Institution | | MINAT: | Ministry of Territorial Administration |

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Documents cités dans ce texte

CITE Regulation No. 01/CEMAC/UMAC/CM of 11 April 2016 on the prevention and repression of money laundering, terrorist financing and proliferation in Central Africa This assessment is in line with FATF Recommendation 1, which is echoed in Article 13 of Regulation No. 01/CEMAC/UMAC/CM of 11 April 2016, which calls on States to take appropriate measures to identify, assess, understand and mitigate the money laundering and terrorist financing risks to which they a
CITE Decision No. 413/MINFI/SG/DAJ of 6 April 2018 By Decision No. 413/MINFI/SG/DAJ of 6 April 2018, the Minister of Finance set up under his supervision, an Inter-Ministerial Committee extended to the private sector, in charge of conducting Cameroon's NRA, and designated the National Financial Investigation Agency (NAFI) as Coordinator of the asses
CITE Regulation No. 01/03/CEMAC/UMAC/CM of 4 April 2013 Lastly, instituted by Regulation No. 01/03/CEMAC/UMAC/CM of 4 April 2013, the National Financial Investigation Agency was created in Cameroon with the signing of Decree No. 2005/187 of 3 May 2005 to lay down its organization and functioning.
CITE Decree No. 2005/187 of 3 May 2005 Lastly, instituted by Regulation No. 01/03/CEMAC/UMAC/CM of 4 April 2013, the National Financial Investigation Agency was created in Cameroon with the signing of Decree No. 2005/187 of 3 May 2005 to lay down its organization and functioning.
CITE Decision No. 18/413/D/MINFI/SG/DAJ of 6 April 2018 On 6 April 2018, the Minister of Finance signed Decision No. 18/413/D/MINFI/SG/DAJ to set up and organize a Committee responsible for preparing and conducting Cameroon's national AML/CFT risk assessment.
CITE Decree No. 2006/088 of 11 March 2006 In this light, the National Anti-Corruption Commission (CONAC) was set up by Decree No. 2006/088 of 11 March 2006 and tasked with implementing, monitoring and assessing Government's anti-corruption plan.
CITE Law No. 2011/28 of 14 December 2011 In the same vein, the Special Criminal Court (TCS) was established by Law No. 2011/28 of 14 December 2011, with the mission of hearing cases of embezzlement of public funds in excess of 50 million CFA francs.
CITE Decree No. 2013/131 of 3 May 2013 A specialized corps of the judicial police at the TCS was created by Decree No. 2013/131 of 3 May 2013.
CITE FATF Guidance on National Money Laundering and Terrorist Financing Risk Assessment 2013 According to FATF, a threat is "a person or group of people, object or activity with the potential to cause harm to, for example, the State, society, the economy, etc." (FATF Guidance on National Money Laundering and Terrorist Financing Risk Assessment 2013)
CITE Decision No. 00163/MINFI/SG/NAFI of 29 April 2013 In addition, by Decision No. 00163/MINFI/SG/NAFI of 29 April 2013, the Minister of Finance set up the Economic Crime Studies and Trends Committee whose work lasted until 2014.
CITE Law No. 90/42 of 19 December 1990 to institute the national identity card At the legal level, Law No. 90/42 of 19 December 1990 to institute the national identity card led to the implementation of the project to secure Cameroonian nationality in 1994 and then to the system of securing Cameroonian nationality through Decree No. 99/154 of 20 July 1999 to lay down the charac
CITE Decree No. 99/154 of 20 July 1999 At the legal level, Law No. 90/42 of 19 December 1990 to institute the national identity card led to the implementation of the project to secure Cameroonian nationality in 1994 and then to the system of securing Cameroonian nationality through Decree No. 99/154 of 20 July 1999 to lay down the charac
CITE Decree No. 2007/254 of 4 September 2007 At the legal level, Law No. 90/42 of 19 December 1990 to institute the national identity card led to the implementation of the project to secure Cameroonian nationality in 1994 and then to the system of securing Cameroonian nationality through Decree No. 99/154 of 20 July 1999 to lay down the charac
CITE Decree of 4 August 2016 This led to the setting-up of a national centre for the production of identity documents under the Decree of 4 August 2016.
CITE Decree No. 2016/375 of 4 August 2016 The identification structure in Cameroon is governed by the provisions of Law No. 90/42 of 19 December 1990 to institute the national identity card. This law is supplemented in its implementation by Decree No. 2016/375 of 4 August 2016 to lay down the characteristics and terms and conditions for the
CITE Decree No. 2013/2 of 4 January 2013 The management of passports is governed by Decree No. 2013/2 of 4 January 2013 to lay down the conditions for issuing passports, as amended by Decree No. 2017/308 of 27 June 2017.
CITE Decree No. 2017/308 of 27 June 2017 The management of passports is governed by Decree No. 2013/2 of 4 January 2013 to lay down the conditions for issuing passports, as amended by Decree No. 2017/308 of 27 June 2017.
CITE Regulation No. 01/03/CEMAC/UMAC-CM of 4 April 2003 on the prevention and repression of money laundering and terrorist financing in Central Africa On 4 April 2003, Regulation No. 01/03/CEMAC/UMAC-CM on the prevention and repression of money laundering and terrorist financing in Central Africa was adopted.
CITE CEMAC Regulation No. 02/10 of 2 October 2010 In light of the recommendations resulting from the assessment of the national AML framework conducted by the World Bank and IMF in 2008, the findings of the analyses conducted by GABAC on the monitoring and evaluation reports of Cameroon and in view of the shortcomings noted in its implementation, t
CITE Regulation No. 01/CEMAC/UMAC/CM of 11 April 2016 on the prevention and repression of money laundering and terrorist financing and proliferation in Central Africa The review of the FATF Recommendations in 2012 led to a new update of this CEMAC Regulation, through the adoption of Regulation No. 01/CEMAC/UMAC/CM of 11 April 2016 on the prevention and repression of money laundering and terrorist financing and proliferation in Central Africa.