Central Bank of the Republic of Kosovo (CBK)
Kosovo's financial sector supervisor. It licences and examines banks, insurers, microfinance institutions, and payment institutions, including their compliance with its AML/CTF regulation.
Southern Europe · Country coverage
AML/CTF Compliance in Kosovo
Kosovo regulates AML/CTF through the Financial Intelligence Unit of Kosovo and Law No. 05/L-096. See the obligations and how MemberCheck supports them.
Last updated
Screening coverage for Kosovo
- Sanctions & PEP screening
- Adverse media checks
- Customer identity verification
- Jurisdiction risk checks
- Ongoing monitoring
Key facts
AML supervisor / FIUCentral Bank of Kosovo (financial sector supervisor); FIU-K (FIU)
FATF statusApplies FATF standards
Primary legislationLaw No. 05/L-096 on the Prevention of Money Laundering and Combating Terrorist Financing
Overview
AML/CTF compliance in Kosovo.
Kosovo regulates AML/CTF through the Central Bank of the Republic of Kosovo, which supervises licensed financial institutions, and the Financial Intelligence Unit of Kosovo, which receives, analyses, and disseminates suspicious transaction reports and supervises the reporting entities outside the central bank's remit. Kosovo applies the FATF standards, though its limited international recognition can affect participation in some multilateral bodies.
Under Law No. 05/L-096 on the Prevention of Money Laundering and Combating Terrorist Financing, reporting entities must apply customer due diligence, assess risk, apply enhanced measures where risk is higher, report suspicious transactions to the FIU-K, and keep records. Supervisors expect a named compliance officer and staff 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.
Financial Intelligence Unit of Kosovo (FIU-K)
Kosovo's financial intelligence unit, responsible for receiving, analysing, and disseminating reports of suspicious transactions to law enforcement, and for supervising reporting entities outside the CBK's remit.
Law No. 05/L-096
Kosovo's principal AML statute on the prevention of money laundering and combating terrorist financing. It sets customer due diligence, record-keeping, and reporting duties for reporting entities.
FATF standards
Kosovo applies the FATF standards that shape international expectations for financial institutions and designated businesses on due diligence, monitoring, and reporting.
Risk-based approach
Reporting entities are expected to identify, assess, and mitigate money laundering and terrorist financing risks and to apply enhanced measures where risk is higher.
Obligations
What regulated businesses must do.
- Apply customer due diligence, including beneficial owners
- Identify and assess money laundering and terrorist financing risks
- Apply enhanced measures to higher-risk relationships
- Report suspicious transactions to the FIU-K
- Maintain records for the statutory retention period
- Appoint a compliance officer and train 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 Kosovo?
The Central Bank of the Republic of Kosovo (CBK) licences and supervises banks, insurers, microfinance institutions, and payment institutions, and its Regulation on the Prevention of Money Laundering and Financing of Terrorism sets what it examines them against. The Financial Intelligence Unit of Kosovo (FIU-K) receives and analyses suspicious transaction reports and supervises reporting entities outside the CBK's remit, including designated professions.
What is the main AML law in Kosovo?
Law No. 05/L-096 on the Prevention of Money Laundering and Combating Terrorist Financing is Kosovo's principal AML statute, setting due diligence and reporting obligations.
Does Kosovo follow FATF standards?
Kosovo applies the FATF standards for AML/CTF. Note that Kosovo has limited international recognition, which can affect its participation in some multilateral bodies.
How does MemberCheck support AML compliance in Kosovo?
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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