CENTIF-Togo
Togo's financial intelligence unit. It receives, analyses, and disseminates suspicious transaction reports to law enforcement and competent authorities.
Africa · Country coverage
AML/CTF Compliance in Togo
Togo regulates AML/CTF through CENTIF-Togo under Law 2018-004 on AML/CFT. See the obligations and how MemberCheck supports them.
Last updated
Screening coverage for Togo
- Sanctions & PEP screening
- Adverse media checks
- Customer identity verification
- Jurisdiction risk checks
- Ongoing monitoring
Key facts
AML supervisor / FIUCellule Nationale de Traitement des Informations Financières (CENTIF-Togo)
FATF statusGIABA member
Primary legislationLaw 2018-004 on the Fight Against Money Laundering and Terrorist Financing (WAEMU uniform law)
Overview
AML/CTF compliance in Togo.
Togo regulates money laundering and terrorist financing through Law 2018-004, the national transposition of the WAEMU uniform AML/CFT framework, supported by CENTIF-Togo, which receives and analyses suspicious transaction reports.
Regulated entities must apply customer due diligence, identify beneficial owners, monitor relationships, and report suspicious activity to CENTIF, alongside supervision from the BCEAO. Supervisors expect a designated compliance officer, sound internal controls, 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.
Law 2018-004 (WAEMU uniform law)
Togo's principal AML statute, transposing the West African Economic and Monetary Union's uniform AML/CFT framework into national law.
BCEAO supervision
The Central Bank of West African States (BCEAO) supervises banks across the WAEMU zone, including Togo, for AML/CTF compliance, working alongside CENTIF.
GIABA membership
Togo is a member of the Inter-Governmental Action Group against Money Laundering in West Africa, a FATF-style regional body, and aligns its regime 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 CENTIF-Togo
- 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 Togo?
CENTIF-Togo receives and analyses suspicious transaction reports, while the Central Bank of West African States (BCEAO) supervises banks across the WAEMU zone for AML/CTF compliance.
What is the main AML law in Togo?
Law 2018-004, transposing the WAEMU uniform AML/CFT framework, sets the customer due diligence, recordkeeping, and reporting obligations for regulated entities in Togo.
Is Togo a member of FATF?
Togo is a member of GIABA, the FATF-style regional body for West Africa, and aligns its AML/CTF regime with the FATF 40 Recommendations through that membership.
How does MemberCheck support AML compliance in Togo?
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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