PPATK
The Centre for Financial Transaction Reports and Analysis, Indonesia's financial intelligence unit, which receives and analyses financial transaction reports and refers findings to law enforcement.
Southeast Asia · Country coverage
AML/CTF Compliance in Indonesia
Indonesia regulates AML/CTF through PPATK and OJK, with OJK Regulation No.12/POJK.01/2017 as its main AML rule. See the obligations and how MemberCheck supports them.
Last updated
Screening coverage for Indonesia
- Sanctions & PEP screening
- Adverse media checks
- Customer identity verification
- Jurisdiction risk checks
- Ongoing monitoring
Key facts
AML supervisor / FIUPPATK (Centre for Financial Transaction Reports and Analysis)
FATF statusFATF member
Primary legislationOJK Regulation No.12/POJK.01/2017
Overview
AML/CTF compliance in Indonesia.
Indonesia has a well-developed AML/CTF framework built around PPATK, the Centre for Financial Transaction Reports and Analysis, which serves as the financial intelligence unit that receives and analyses transaction reports and refers findings to law enforcement. Supervision of the financial services sector sits with OJK, the Financial Services Authority, which sets the programme requirements institutions must meet.
OJK Regulation No.12/POJK.01/2017 is the main AML rule, obliging institutions to run AML and counter-terrorism-financing procedures aligned with OJK and FATF standards. Firms are expected to apply a risk-based approach, assessing the money laundering risk posed by each customer, and face fines, licence withdrawal, and shareholder blacklisting where they fall short.
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.
OJK (Financial Services Authority)
The regulator for Indonesia's financial services sector, which issues and enforces the AML/CTF programme requirements applied to institutions.
OJK Regulation No.12/POJK.01/2017
Indonesia's main AML rule, requiring institutions to implement AML and counter-terrorism-financing procedures aligned with OJK and FATF standards.
Risk-based approach
In line with FATF policy, institutions assess and manage the money laundering risk posed by individual customers, with penalties and licence loss for non-compliance.
Obligations
What regulated businesses must do.
- Implement an AML/CTF programme meeting OJK and FATF standards
- Apply a risk-based approach to individual customers
- Perform customer due diligence and beneficial ownership checks
- Report suspicious financial transactions to PPATK
- Maintain a management system for monitoring compliance
1,000+
Global watchlists screened
<1s
Average screening response
24h
Watchlist refresh cycle
195
Countries covered
FAQ
Common questions.
Who supervises AML/CTF in Indonesia?
PPATK, the Centre for Financial Transaction Reports and Analysis, is Indonesia's financial intelligence unit. It receives and analyses transaction reports, while OJK regulates the financial services sector.
What is the main AML law in Indonesia?
OJK Regulation No.12/POJK.01/2017 is Indonesia's main AML rule, requiring institutions to run AML and counter-terrorism-financing procedures aligned with OJK and FATF standards.
Is Indonesia a member of FATF?
Yes. Indonesia became the 40th full member of the Financial Action Task Force in 2023, and also belongs to the Asia/Pacific Group on Money Laundering. It applies FATF standards through a risk-based AML approach.
How does MemberCheck support AML compliance in Indonesia?
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.
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