Financial Crime World

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France’s Anti-Money Laundering/Combating the Financing of Terrorism (AML/CFT) Framework

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This report from the International Monetary Fund (IMF) highlights key points regarding France’s AML/CFT framework.

Confiscation and Sanctions


Measures to Confiscate Assets

  • The French authorities have implemented measures to confiscate assets related to money laundering (ML) and terrorist financing (TF).
  • In 2011, the Agency for Management and Recovery of Criminal Assets became operational to increase criminal seizures.

Risk-Based Approach


Assessment Against Revised FATF Standard

  • France has not yet been assessed against the revised FATF standard and methodology.
  • The country will be assessed in 2020-2021.
  • A risk-based approach is emphasized, with a focus on identifying, assessing, and understanding ML/TF risks.

National Risk Assessment (NRA)


First NRA Finalization

  • France’s first NRA is being finalized and is expected to be published in 2019.
  • The NRA places an emphasis on TF and identifies main ML threats from:
    • Drug trafficking
    • Large-scale financial fraud
    • Tax and corporate fraud
    • Offenses involving breach of integrity

PEPs and Transparency


  • The French legal framework has been updated to transpose the Fourth European AMLD, including with respect to risk-based preventive measures.
  • Reporting entities are required to:
    • Identify and assess their ML/TF risks
    • Apply enhanced controls when the risks are higher
  • PEPs (including beneficial owners) must be dealt with by a member of the entity’s executive body or an authorized individual.

Beneficial Ownership Transparency


Central Register Establishment

  • France established a central register of beneficial owners in 2018, which is accessible to AML/CFT obliged professionals and regulatory authorities.
  • The country has begun transposing the Fifth European AMLD, including measures to strengthen existing BO registers.