Pack contents: Guinea

In short

Two packs are written for Guinea, in Guinean francs (GNF). A workspace whose jurisdiction is Guinea (gn) sees them first in the rule library, marked Recommended for its kind of institution:

• gn-emi 1.0.0 (8 rules): e-money issuers, mobile money and agent networks.
• gn-bank 1.0.0 (8 rules): banks and microfinance institutions.

Two rules, gn.ctr_cash (GN1) and gn.border_region (GN2), are in both, so there are 14 different rules. All are post-event except gn.sim_swap_payout, which runs in a real-time decision. Every rule arrives switched off, and every rule has a French name and description, shown in a workspace using French (see Languages).

Most rules reuse a core, Ghana, Nigerian or UEMOA rule by reference: they run exactly the same logic with amounts in Guinean francs. The pages for those base rules explain how they work.

Nothing on this page is confirmed: verify it with counsel

Every threshold, deadline and detail about the financial intelligence unit here comes from SpeculaPro’s own research of public sources. None has been confirmed by the Banque Centrale de la République de Guinée (BCRG) or the CENTIF, or reviewed by a lawyer. The packs and the jurisdiction mark each such value to verify with counsel. This page is not legal advice. Before you switch a rule on or rely on a figure, verify it with your legal counsel and your MLRO, and confirm it with the regulator. Each pack below lists what to verify.

Only one amount per pack is a legal figure

The cash reporting threshold is the only amount meant to follow the law, and it is itself to verify. Every other amount is a starting value in Guinean francs, chosen to be plausible, not taken from a regulation. Set each for your own customers when you review the rule.

gn.ctr_cash follows your workspace’s cash reporting setting: its comparison parameter defaults to workspace, so whether a transaction of exactly the threshold counts is decided by Report when the day’s cash is under Settings → Reporting, and the rule and the drafted cash transaction reports agree. See At or above, or above only.

gn.border_region needs to know where a transaction took place: send the place in the transaction’s attributes as region, district, town or branch_region. It matches the places named in its regions parameter and any you add to a list with the key high_risk_regions (see Lists).

The cash reporting threshold is a working value

No confirmed cash reporting threshold was found for Guinea. GNF 100,000,000 is a working value close to the FATF’s USD/EUR 15,000, not a figure from Guinean law. Verify the threshold set under the 2021 AML/CFT law and the BCRG’s instructions with counsel before you switch on gn.ctr_cash or cash transaction report drafting.

Guinea is not a UEMOA state

Guinea has its own currency, central bank and law. The Guinean franc has no minor unit, so amounts are whole francs. Reports export as the French CENTIF declaration used for the UEMOA states until the CENTIF confirms how it takes reports (to verify with counsel).

The shared packs install rough GNF amounts

The jurisdiction also recommends core, fraud and global-fatf. From core 1.4.0, fraud 1.4.0 and global-fatf 1.2.0 they install default amounts in Guinean francs, so the rule library no longer warns about the currency. Those amounts are the US dollar figures scaled at a rough exchange rate and rounded, with the cash reporting threshold above in the large-cash and structuring rules. They are unverified starting points: review every amount for your customers before you enable a rule. See Packs written in another currency.

All rules at a glance

Key	Library	Name	Pack	Mode · action	Alert about	Severity · score
gn.ctr_cash	GN1	Cash transaction at the CENTIF reporting threshold	gn-emi	post-event · alert	customer	low · 20
gn.structuring_below_ctr	GN3	Repeated cash-ins just below the reporting threshold	gn-emi	post-event · alert	customer	high · 70
gn.split_cash_in_agents	GN4	Cash-in split across many agents	gn-emi	post-event · alert	customer	high · 70
gn.cash_out_after_cash_in	GN5	Cash-out soon after cash-in	gn-emi	post-event · alert	customer	high · 60
gn.sim_swap_payout	GN6	Payout soon after a SIM swap	gn-emi	real-time · block	customer	critical · 85
gn.cross_border_wallet	GN7	Cross-border mobile money transfer	gn-emi	post-event · alert	customer	medium · 40
gn.collection_wallet_sweep	GN8	Collection wallet swept to a bank	gn-emi	post-event · alert	customer	high · 60
gn.border_region	GN2	Cash or wallet activity in a border or mining area	gn-emi	post-event · alert	customer	medium · 40
gn.ctr_cash	GN1	Cash transaction at the CENTIF reporting threshold	gn-bank	post-event · alert	customer	low · 20
gnb.deposit_structuring	GNB1	Cash deposits just below the reporting threshold	gn-bank	post-event · alert	customer	high · 70
gnb.pep_large	GNB2	PEP transaction above GNF 50,000,000	gn-bank	post-event · alert	customer	high · 70
gnb.dormant_reactivation	GNB3	Dormant account suddenly active	gn-bank	post-event · alert	customer	medium · 45
gnb.new_payee_large	GNB4	Large instant transfer to a new payee	gn-bank	post-event · alert	customer	medium · 50
gnb.fx_cash	GNB5	Foreign-currency cash of USD 10,000 or more	gn-bank	post-event · alert	customer	medium · 40
gnb.commodity_trade_hubs	GNB6	Gold or minerals dealer paying or paid from a trading hub	gn-bank	post-event · alert	customer	medium · 50
gn.border_region	GN2	Cash or wallet activity in a border or mining area	gn-bank	post-event · alert	customer	medium · 40

The gn-emi pack (8 rules)

Guinea e-money, mobile money and agents (in French: Guinée : monnaie électronique, mobile money et agents), version 1.0.0.

Typologies for Guinea’s e-money issuers (établissements de monnaie électronique), payment service providers and agent networks (Orange Money, MoMo and PayCard), in Guinean francs: the CENTIF cash reporting threshold and structuring below it, smurfing through agents, cash moved through a wallet, SIM-swap payouts, cross-border wallet transfers, collection wallets swept to a bank, activity in border and mining areas. Most rules reuse core, Ghana and Nigeria rules by reference with local amounts. Values come from SpeculaPro’s research, not from an official confirmation: to verify with counsel, and confirm each with the Banque Centrale de la République de Guinée and the CENTIF before go-live.

To verify with counsel

None of these is confirmed. They come from SpeculaPro’s research, not from the regulator or a lawyer. This is not legal advice: verify each with counsel and confirm it with the regulator before relying on it:

• To verify with counsel: the cash transaction reporting threshold (GNF 100,000,000 is a working value, not a confirmed figure) and the aggregation of linked operations
• The places in the border and mining area rule: add your own on the high_risk_regions list
• Every amount that isn’t the CTR threshold is a starting value in Guinean francs, not a regulatory figure: set it for your customers
• Mobile money wallet and transaction limits set by the Banque Centrale de la République de Guinée: none is built into this pack; to verify with counsel and add as rules of your own

Sources the pack cites:

• Loi L/2021/0024/AN portant lutte contre le blanchiment de capitaux et le financement du terrorisme (reference to verify with counsel)
• Banque Centrale de la République de Guinée: instructions LBC/FT et monnaie électronique
• GIABA: mutual evaluation report of Guinea (second round)

gn.ctr_cash

Cash transaction at the CENTIF reporting threshold · library GN1 · Cash reporting threshold (CTR) · alert about the customer · severity low, score 20

In French: Opération en espèces au seuil de déclaration de la CENTIF.

Cash deposits, withdrawals, cash-ins and cash-outs of GNF 100,000,000 or more: a cash transaction report to the CENTIF is due (a working value under the 2021 AML/CFT law, not a confirmed figure). Whether a transaction of exactly the threshold counts follows the workspace’s CTR setting (Settings → Reporting), which starts as “at or above” in Guinea, so this rule and the CTR drafts always agree. To verify with counsel, and confirm the thresholds and their application with the CENTIF. Reuses the Nigerian CTR rule with Guinea’s amounts.

Reuses the logic of ng.ctr_cash (from ng-psp) with the parameters below; only the values differ.

Parameter	Meaning	Default
threshold_individual	Individuals: above (base currency)	100,000,000
threshold_business	Businesses: above (base currency)	100,000,000
comparison	Report when the amount is: what Settings → Reporting says for CTRs (workspace), above the threshold (gt), or at or above it (gte)	"workspace"

Explanation shown to analysts: Cash {{txn.type}} of {{txn.base_currency}} {{txn.amount}} by {{= customer.type == ‘business’ ? ‘a business’ : ‘an individual’ }} is {{= (params.comparison == ‘workspace’ ? workspace.ctr_comparison : params.comparison) == ‘gte’ ? ‘at or above’ : ‘above’ }} the CENTIF cash reporting threshold. Confirm with current CENTIF guidance.

gn.structuring_below_ctr

Repeated cash-ins just below the reporting threshold · library GN3 · Structuring / smurfing · alert about the customer · severity high, score 70

In French: Dépôts d’espèces répétés juste sous le seuil de déclaration.

Cash-ins just below GNF 100,000,000 repeated within 48 hours and together above it: structuring to avoid a cash transaction report to the CENTIF. Reuses the core structuring rule with Guinea’s threshold.

Reuses the logic of core.structuring (from core) with the parameters below; only the values differ.

Parameter	Meaning	Default
threshold	Threshold being avoided	100,000,000
margin	Margin below threshold (0.10 = 10%)	0.1
min_count	Minimum cash-ins in 48h	3

Explanation shown to analysts: {{features.cash_in_count_48h}} cash-ins totalling {{txn.base_currency}} {{features.cash_in_sum_48h}} in 48h; this one ({{txn.base_currency}} {{txn.amount}}) is just below the {{txn.base_currency}} {{params.threshold}} CENTIF reporting threshold.

gn.split_cash_in_agents

Cash-in split across many agents · library GN4 · Smurfing through agents · alert about the customer · severity high, score 70

In French: Dépôts d’espèces répartis entre de nombreux agents.

Cash-ins through several agents in a day adding up to a large sum: smurfing through the agent network of Orange Money, MoMo and PayCard. Reuses the Ghana rule with an amount in Guinean francs.

Reuses the logic of gh.split_cash_in_agents (from gh-psp) with the parameters below; only the values differ.

Parameter	Meaning	Default
min_agents	Distinct agents in 24h	4
min_total	Total cash-in in 24h (base currency)	10,000,000

Explanation shown to analysts: Cash-ins via {{features.agents_24h}} different agents totalling {{txn.base_currency}} {{features.cash_in_24h}} in 24h.

gn.cash_out_after_cash_in

Cash-out soon after cash-in · library GN5 · Wallet used as pass-through · alert about the customer · severity high, score 60

In French: Retrait d’espèces peu après un dépôt.

Most of what was cashed in at an agent is cashed out within two hours, often in another town: the wallet is used to move cash, not to hold or spend it. Reuses the Ghana rule with an amount in Guinean francs.

Reuses the logic of gh.cash_out_after_cash_in (from gh-psp) with the parameters below; only the values differ.

Parameter	Meaning	Default
min_amount	Minimum cash-in (base currency)	5,000,000
ratio	Cash-out as share of cash-in	0.8

Explanation shown to analysts: {{txn.base_currency}} {{features.cash_in_2h}} cashed in and {{txn.base_currency}} {{features.cash_out_2h}} cashed out within 2 hours.

gn.sim_swap_payout

Payout soon after a SIM swap · library GN6 · SIM swap · real-time, answers block · about the customer · severity critical, score 85

In French: Paiement peu après un changement de carte SIM.

SIM-swap fraud: the fraudster has the customer’s number moved to another SIM, receives the PIN reset and one-time codes and empties the wallet. Reuses the Ghana rule with an amount in Guinean francs.

Reuses the logic of gh.sim_swap_payout (from gh-psp) with the parameters below; only the values differ.

Parameter	Meaning	Default
sim_change_hours	Hours since the SIM swap	48
threshold	Payout at or above (base currency)	500,000

Explanation shown to analysts: SIM swapped {{customer.hours_since.sim_swap}} hours before this payout of {{txn.base_currency}} {{txn.amount}} (rule window: {{params.sim_change_hours}} hours).

gn.cross_border_wallet

Cross-border mobile money transfer · library GN7 · Cross-border mobile money · alert about the customer · severity medium, score 40

In French: Transfert mobile money transfrontalier.

A wallet transfer to or from another country at or above the amount. The main corridors are Mali, Senegal, Côte d’Ivoire and Sierra Leone: Guinea is outside the UEMOA, so every one of them is a currency border; cross-border wallets carry informal trade and remittances, and with them cash-courier and exchange-control risk. Leave the corridor list empty to watch every country, or name the ones to watch.

Parameter	Meaning	Default
home_country	Home country (ISO code)	"GN"
corridors	Only these countries (ISO codes; empty = every other country)	[]
min_amount	Amount at or above (base currency)	5,000,000

Explanation shown to analysts: {{txn.base_currency}} {{txn.amount}} by mobile money to/from {{txn.counterparty_country}}, outside Guinea.

Expression

txn.channel == 'momo' && txn.amount >= params.min_amount && txn.counterparty_country != '' && txn.counterparty_country != params.home_country && (size(params.corridors) == 0 || txn.counterparty_country in params.corridors)

gn.collection_wallet_sweep

Collection wallet swept to a bank · library GN8 · Collection wallet · alert about the customer · severity high, score 60

In French: Porte-monnaie de collecte vidé vers une banque.

Many senders pay into one wallet over a week and most of it then leaves to a bank account: a collection point for a scam, an unlicensed deposit-taker or a mule. Reuses the Ghana rule.

Reuses the logic of gh.wallet_sweep_to_bank (from gh-psp) with the parameters below; only the values differ.

Parameter	Meaning	Default
min_senders	Distinct senders in 7 days	10
sweep_ratio	Transfer as share of 7-day inflow	0.7

Explanation shown to analysts: {{features.senders_7d}} senders paid in {{txn.base_currency}} {{features.in_7d}} over 7 days; {{txn.base_currency}} {{txn.amount}} is now leaving to a bank.

gn.border_region

Cash or wallet activity in a border or mining area · library GN2 · Border / cash courier risk · alert about the customer · severity medium, score 40

In French: Opération en espèces ou par porte-monnaie dans une zone frontalière ou minière.

A cash or mobile money transaction at or above the amount in an area named in the rule or on the workspace’s high_risk_regions list: by default the artisanal gold fields of Upper Guinea (Siguiri, Mandiana, Kouroussa, Dinguiraye) and the border crossings with Mali, Sierra Leone and Senegal (Kourémalé, Pamelap, Koundara). Cash couriers, smuggling proceeds and informal cross-border trade concentrate there. Send the place in txn.attributes (region, district, town or branch_region). Reuses the Ghana border-area rule with Guinea’s places and an amount in Guinean francs.

Reuses the logic of gh.border_region (from gh-psp) with the parameters below; only the values differ.

Parameter	Meaning	Default
regions	Areas (towns, districts or regions)	["Siguiri", "Mandiana", "Kouroussa", "Dinguiraye", "Kankan", "Kourémalé", "Pamelap", "Koundara", "Nzérékoré", "Guéckédou", "Boké"]
channels	Only these channels (empty = all)	["cash", "agent", "branch", "momo"]
min_amount	Amount at or above (base currency)	3,500,000

Explanation shown to analysts: {{txn.base_currency}} {{txn.amount}} by {{txn.channel}} in {{= [‘region’, ‘district’, ‘town’, ‘branch_region’].filter(k, k in txn.attributes).map(k, string(txn.attributes[k])).join(’, ’) }}, a border or high-risk area.

The gn-bank pack (8 rules)

Guinea banks (in French: Guinée : banques), version 1.0.0.

Typologies for Guinea’s commercial banks, microfinance and other deposit-taking institutions, in Guinean francs: the CENTIF cash reporting threshold and deposits structured below it, PEP activity, dormant accounts, large transfers to new payees, foreign-currency cash, commodity traders dealing with trading hubs, activity in border and mining areas. Most rules reuse core, Ghana and Nigeria rules by reference with local amounts. Values come from SpeculaPro’s research, not from an official confirmation: to verify with counsel, and confirm each with the Banque Centrale de la République de Guinée and the CENTIF before go-live.

To verify with counsel

None of these is confirmed. They come from SpeculaPro’s research, not from the regulator or a lawyer. This is not legal advice: verify each with counsel and confirm it with the regulator before relying on it:

• To verify with counsel: the cash transaction reporting threshold (GNF 100,000,000 is a working value, not a confirmed figure) and the aggregation of linked operations
• The places in the border and mining area rule: add your own on the high_risk_regions list
• Every amount that isn’t the CTR threshold is a starting value in Guinean francs, not a regulatory figure: set it for your customers
• Foreign-currency cash threshold USD 10,000 and its equivalent in Guinean francs (threshold_base), to keep in line with the exchange rate

Sources the pack cites:

• Loi L/2021/0024/AN portant lutte contre le blanchiment de capitaux et le financement du terrorisme (reference to verify with counsel)
• Banque Centrale de la République de Guinée: instructions LBC/FT et monnaie électronique
• GIABA: mutual evaluation report of Guinea (second round)

gnb.deposit_structuring

Cash deposits just below the reporting threshold · library GNB1 · Structuring / smurfing · alert about the customer · severity high, score 70

In French: Dépôts d’espèces juste sous le seuil de déclaration.

Cash deposits at the counter just below GNF 100,000,000, repeated within 48 hours and together above it: structuring to avoid a cash transaction report to the CENTIF. Reuses the Nigerian bank rule with Guinea’s threshold.

Reuses the logic of ngb.deposit_structuring (from ng-bank) with the parameters below; only the values differ.

Parameter	Meaning	Default
threshold	Threshold being avoided (base currency)	100,000,000
margin	Just below = within (0.1 = 10%)	0.1
min_count	Deposits in 48 hours, at least	3

Explanation shown to analysts: {{features.deposits_48h}} cash deposits totalling {{txn.base_currency}} {{features.deposit_sum_48h}} in 48 hours; this one ({{txn.base_currency}} {{txn.amount}}) is just below the {{txn.base_currency}} {{params.threshold}} threshold.

gnb.pep_large

PEP transaction above GNF 50,000,000 · library GNB2 · Politically exposed person · alert about the customer · severity high, score 70

In French: Opération d’une PPE au-dessus de 50 000 000 GNF.

A politically exposed person’s transaction at or above the amount: enhanced due diligence and senior management approval apply to PEPs under the Banque Centrale de la République de Guinée’s AML/CFT rules and FATF Recommendation 12. The amount is a starting value, not a legal threshold. Reuses the core PEP rule with an amount in Guinean francs.

Reuses the logic of core.pep_threshold (from core) with the parameters below; only the values differ.

Parameter	Meaning	Default
threshold	Threshold (base currency)	50,000,000

Explanation shown to analysts: Customer is a PEP; transaction of {{txn.base_currency}} {{txn.amount}} is at or above {{txn.base_currency}} {{params.threshold}}.

gnb.dormant_reactivation

Dormant account suddenly active · library GNB3 · Dormant account reactivation · alert about the customer · severity medium, score 45

In French: Compte dormant redevenu soudainement actif.

An account with no activity for 90 days suddenly moving money: takeover, or reuse as a mule account. Reuses the core rule with an amount in Guinean francs.

Reuses the logic of core.dormant_reactivation (from core) with the parameters below; only the values differ.

Parameter	Meaning	Default
dormant_days	Minimum account age (days); the quiet period is fixed at 90 days	90
min_amount	Minimum amount (base currency)	5,000,000

Explanation shown to analysts: No activity in the 90 days before today on an account {{account.age_days}} days old, then {{txn.base_currency}} {{txn.amount}}.

gnb.new_payee_large

Large instant transfer to a new payee · library GNB4 · Authorised push-payment fraud · alert about the customer · severity medium, score 50

In French: Virement instantané important vers un nouveau bénéficiaire.

A large instant transfer to a payee the customer has never paid: authorised push payment fraud and account takeover. Reuses the Ghana instant-payment rule with an amount in Guinean francs.

Reuses the logic of ghb.gip_new_payee_large (from gh-bank) with the parameters below; only the values differ.

Parameter	Meaning	Default
threshold	Amount at or above (base currency)	25,000,000

Explanation shown to analysts: First instant transfer to this beneficiary: {{txn.base_currency}} {{txn.amount}}.

gnb.fx_cash

Foreign-currency cash of USD 10,000 or more · library GNB5 · Foreign-currency cash reporting · alert about the customer · severity medium, score 40

In French: Espèces en devises de 10 000 USD ou plus.

Cash in a foreign currency of USD 10,000 or more (or the same in euros or pounds), or worth GNF 86,000,000 or more: dollar and euro cash is how value crosses borders in a cash economy, and USD 10,000 is the cross-border declaration amount used across ECOWAS. A starting value, not a confirmed legal threshold in Guinea (to verify with counsel). Reuses the Ghana foreign-currency cash rule.

Reuses the logic of ghb.fx_cash (from gh-bank) with the parameters below; only the values differ.

Parameter	Meaning	Default
threshold	Threshold in the transaction’s currency (major units, with that currency’s decimals)	10,000
threshold_base	Or at or above this in the base currency (0: off)	86,000,000
currencies	Currencies	["USD", "EUR", "GBP"]

Explanation shown to analysts: Cash {{txn.type}} in {{txn.currency}} worth {{txn.base_currency}} {{txn.amount}}: at or above the {{params.threshold}} foreign-currency cash threshold. Confirm the threshold with current CENTIF guidance.

gnb.commodity_trade_hubs

Gold or minerals dealer paying or paid from a trading hub · library GNB6 · Commodity trade / trade-based money laundering · alert about the customer · severity medium, score 50

In French: Comptoir d’or ou négociant en minerais en relation avec une place de négoce.

Artisanal gold from Upper Guinea is bought for cash and leaves through Bamako or directly for Dubai, much of it undeclared (GIABA; OECD reports on West African gold): a gold buying house (comptoir) or minerals dealer moving money with the Emirates, Mali, Switzerland, India, Belgium or Lebanon outside its declared exports deserves a look. Matches a business whose segment, or customer.attributes.sector, is one of the sectors, on a payment to or from one of the hubs at or above the amount.

Parameter	Meaning	Default
sectors	Customer sectors (segment or attributes.sector, lower case; empty = every business)	["mining", "gold", "diamonds", "orpaillage"]
hubs	Trading hub countries (ISO codes)	["AE", "ML", "CH", "IN", "BE", "LB"]
min_amount	Amount at or above (base currency)	100,000,000

Explanation shown to analysts: {{txn.base_currency}} {{txn.amount}} {{txn.direction}} with {{txn.counterparty_country}}, a trading hub for this customer’s sector.

Expression

customer.type == 'business' && txn.counterparty_country in params.hubs && txn.amount >= params.min_amount && (size(params.sectors) == 0 || customer.segment.lowerAscii() in params.sectors || ('sector' in customer.attributes && string(customer.attributes.sector).lowerAscii() in params.sectors))

Also in this pack, described above:

Key	Library	Name
gn.ctr_cash	GN1	Cash transaction at the CENTIF reporting threshold
gn.border_region	GN2	Cash or wallet activity in a border or mining area

Related

• Pack contents
• Jurisdictions
• Pack contents: FATF baseline
• Pack contents: Nigeria
• Installing a pack