غرامات عدم تقديم تقرير النشاط المشبوه (SAR)
Definition
Mandatory SAR filing for suspicious transactions in financial institutions like Savings Institutions. Non-compliance results in penalties from FIU, with documentation retention required for 5 years.
Key Findings
- Financial Impact: AED 20,000 - 100,000 per violation (typical AML fines); 20-40 hours per manual SAR filing
- Frequency: Per suspicious transaction detected; ongoing for high-volume institutions
- Root Cause: Manual identification, preparation, and submission via goAML portal; lack of automation for red flags
Why This Matters
This pain point represents a significant opportunity for B2B solutions targeting Savings Institutions.
Affected Stakeholders
Compliance Officer, MLRO, Transaction Monitoring Team
Deep Analysis (Premium)
Financial Impact
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Current Workarounds
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Methodology & Sources
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Related Business Risks
تكاليف الاحتفاظ بالوثائق لـ 5 سنوات بسبب SAR
فقدان القدرة بسبب إجراءات SAR اليدوية
غرامات الشيكات المرتجعة
خسائر القدرة من الإجراءات اليدوية
رسوم عدم الحفاظ على الرصيد الأدنى
فقدان العملاء بسبب التأخير في فتح الحساب
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