Ukraine

The National Bank of Ukraine supervises banks, insurers, payment and e-money institutions and other financial firms it licenses. The State Financial Monitoring Service is the financial intelligence unit that receives threshold and suspicious transaction reports. Other sectors have their own designated supervisors, such as the Ministry of Digital Transformation for virtual asset service providers.

Yes. For firms supervised by the NBU, the accepted remote methods are live video verification to NBU rules, NBU BankID data combined with a document copy signed with a qualified electronic signature, or a Diia e-passport combined with a liveness-checked photo. Video verification done to these rules counts the same as meeting the customer in person.

Transactions of UAH 400,000 or more must be reported to the State Financial Monitoring Service when they have a listed feature, such as cash, transfers abroad, politically exposed persons or links to the aggressor state. Suspicious transactions are reported immediately, whatever the amount, and due diligence records are kept for at least five years after the relationship ends.

Personal data processed to meet the AML law needs no consent, but the customer must be told about that processing at identification. Biometric data such as face images is a special category under the Law on Personal Data Protection, so liveness and face-match checks rest on explicit consent, and NBU video verification requires consent recorded before the session starts.

Telecom operators, healthcare providers, travel businesses, public bodies and most online shops are not reporting entities under the AML law. Their identity duties come from sector rules instead, such as SIM replacement checks, eHealth registration, hotel check-in documents and online age verification for alcohol and tobacco.