Unidad de Información y Análisis Financiero (UIAF)
Uruguay's financial intelligence unit, operating within the Central Bank of Uruguay. It receives and analyses suspicious transaction reports.
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AML/CTF Compliance in Uruguay
Uruguay regulates AML/CTF through the Unidad de Información y Análisis Financiero under Law 19,574. See the obligations and how MemberCheck supports them.
Last updated
Screening coverage for Uruguay
- Sanctions & PEP screening
- Adverse media checks
- Customer identity verification
- Jurisdiction risk checks
- Ongoing monitoring
Key facts
AML supervisor / FIUCentral Bank of Uruguay and SENACLAFT; Unidad de Información y Análisis Financiero (UIAF)
FATF statusGAFILAT member
Primary legislationLaw No. 19,574 on the Comprehensive System for the Prevention and Control of Money Laundering
Overview
AML/CTF compliance in Uruguay.
Uruguay regulates money laundering and terrorist financing through Law No. 19,574, supported by the Unidad de Información y Análisis Financiero, which receives and analyses suspicious transaction reports from financial institutions and other obligated entities.
Obligated entities must apply customer due diligence, identify beneficial owners, monitor relationships, and report suspicious activity to the UIAF. Compliance is examined by the Central Bank of Uruguay for financial obligated entities and by SENACLAFT for non-financial ones. Both expect documented risk assessments, sound recordkeeping, and staff training proportionate to the risks a business faces.
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.
Law No. 19,574
Uruguay's principal AML statute, consolidating the country's prevention and control regime and setting due diligence, recordkeeping, and reporting duties for obligated entities.
Obligated entities regime
Financial institutions and a range of non-financial businesses, including real estate and gaming, must register and report to the UIAF.
Two supervisors
The Central Bank of Uruguay supervises the financial obligated entities through its Superintendencia de Servicios Financieros, and SENACLAFT supervises and sanctions the non-financial obligated entities.
GAFILAT membership
Uruguay is a member of GAFILAT, the FATF-style regional body for Latin America, and aligns its framework with the FATF 40 Recommendations through that membership.
Obligations
What regulated businesses must do.
- Apply customer due diligence and identity verification
- Identify beneficial owners of corporate customers
- Report suspicious transactions to the UIAF
- Conduct ongoing monitoring of customer relationships
- Maintain internal controls and a compliance officer
- Maintain records and provide staff training
1,000+
Global watchlists screened
<1s
Average screening response
24h
Watchlist refresh cycle
195
Countries covered
FAQ
Common questions.
Who supervises AML/CTF in Uruguay?
Law No. 19,574 splits supervision in two. The Central Bank of Uruguay, through its Superintendencia de Servicios Financieros, supervises the financial obligated entities, while SENACLAFT, the national AML/CTF secretariat, supervises and sanctions the non-financial ones, including notaries, lawyers, accountants, estate agents, casinos, and free zone operators. The UIAF, which sits inside the central bank, is the financial intelligence unit that receives and analyses suspicious transaction reports.
What is the main AML law in Uruguay?
Law No. 19,574 sets the customer due diligence, recordkeeping, and reporting obligations for obligated entities in Uruguay.
Is Uruguay a member of FATF?
Uruguay is a member of GAFILAT, the FATF-style regional body for Latin America, and aligns its AML/CTF regime with the FATF 40 Recommendations through that membership.
How does MemberCheck support AML compliance in Uruguay?
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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