State Agency for National Security (SANS)
SANS is Bulgaria's main AML/CTF supervisory authority. Its Financial Intelligence Directorate collects, analyses, and discloses financial intelligence under the terms of the AML and CTF legislation.
Eastern Europe · Country coverage
AML/CTF Compliance in Bulgaria
Bulgaria regulates AML/CTF through the State Agency for National Security and its Financial Intelligence Directorate under the Measures Against Money Laundering Act. See the obligations and how MemberCheck supports them.
Last updated
Screening coverage for Bulgaria
- Sanctions & PEP screening
- Adverse media checks
- Customer identity verification
- Jurisdiction risk checks
- Ongoing monitoring
Key facts
AML supervisor / FIUState Agency for National Security (SANS); Financial Intelligence Directorate
FATF statusMONEYVAL member (EU)
Primary legislationMeasures Against Money Laundering Act
Overview
AML/CTF compliance in Bulgaria.
Bulgaria regulates AML/CTF through the State Agency for National Security, whose Financial Intelligence Directorate collects, analyses, and discloses financial intelligence. The Measures Against Money Laundering Act is the country's principal statute, and as an EU member state Bulgaria transposes the EU Anti-Money Laundering Directives. The Bulgarian National Bank, the Financial Supervision Commission, the National Customs Agency, and the State Commission on Gambling supervise compliance in their sectors.
Reporting entities must maintain an AML programme, apply customer due diligence, assess money laundering and terrorist financing risk, monitor transactions, and report suspicious activity to the FIU. Records must be kept for at least five years, and staff must receive AML training.
MemberCheck helps teams meet these obligations by screening customers and entities against global sanctions, PEP, and adverse-media data, verifying identities, and monitoring risk continuously, with a clear audit trail behind every decision.
Regulation
All solutions →Key laws and regulators.
Other supervisors
The Bulgarian National Bank, the Financial Supervision Commission, the National Customs Agency, and the State Commission on Gambling monitor compliance with key obligations in their respective sectors.
Measures Against Money Laundering Act
Bulgaria's principal AML statute. It sets customer due diligence, risk assessment, record-keeping, and suspicious transaction reporting duties for reporting entities.
EU AML Directives
As an EU member state, Bulgaria transposes the EU Anti-Money Laundering Directives, aligning its regime with the wider European framework.
Obligations
What regulated businesses must do.
- Have a documented AML programme in place
- Apply customer due diligence, including KYC and enhanced due diligence
- Assess money laundering and terrorist financing risk
- Monitor transactions and report suspicious activity to the FIU
- Keep records for at least five years
- Provide AML training to staff
1,000+
Global watchlists screened
<1s
Average screening response
24h
Watchlist refresh cycle
195
Countries covered
FAQ
Common questions.
Who supervises AML/CTF in Bulgaria?
The State Agency for National Security (SANS) is the main supervisory authority, and its Financial Intelligence Directorate acts as the financial intelligence unit that collects and analyses reports.
What is the main AML law in Bulgaria?
The Measures Against Money Laundering Act is Bulgaria's principal AML statute, setting customer due diligence, risk assessment, record-keeping, and reporting obligations for reporting entities.
Is Bulgaria subject to the EU AML Directives?
Yes. As an EU member state, Bulgaria transposes the EU Anti-Money Laundering Directives, and it is a member of MONEYVAL.
How does MemberCheck support AML compliance in Bulgaria?
MemberCheck screens customers and entities against global sanctions, PEP, and adverse-media data, verifies identities, and monitors risk continuously, with an audit trail behind every decision.
Screen customers for Bulgaria risk with MemberCheck.
Book a walkthrough with our compliance team and screen a real case in the first session.