Sint Maarten

Identity Verification & KYC For Sint Maarten

Q: What documents are accepted for identity verification in Sint Maarten?

Shufti accepts Sint Maarten passport, Dutch Caribbean Identity Card, driver's licence with optically variable security features, residence permit, and utility bills from NV GEBE or TelEm not older than 6 months.

Q: What is the CRIB number, and why is it required for business verification in Sint Maarten?

The CRIB is a unique, non-expiring tax identification number issued by Sint Maarten Tax Administration using the 11-proof algorithm. Required for all business verification, tax reporting, and government communication.

Q: What is the UBO register in Sint Maarten, and what are the penalties for non-compliance?

The UBO registry, maintained by St. Maarten Chamber of Commerce & Industry, tracks natural persons owning or controlling 25% or more of a legal entity. Registration must occur within 7 days using Form I-F or I-A. Non-compliance carries fines up to XCG 50,000.

Q: What AML regulations apply to financial institutions in Sint Maarten?

AML compliance in Sint Maarten is governed by the National Ordinance Penalization of Money Laundering, National Ordinance Reporting Unusual Transactions (O.P. 2013, CT no. 479), and National Ordinance Identification when Rendering Services. CBCS supervises financial institutions; FIU Sint Maarten/MOT supervises non-financial businesses.

Q: What KYC requirements apply to gaming operators in Sint Maarten?

Know your customer Sint Maarten procedures for online gaming operators require identity verification before transactions exceeding NAf 4,000. KYC must prevent fraud, money laundering, and access by minors and gambling addicts. Recent enforcement resulted in XCG 22,500 fines per operator.

Q: How does Sint Maarten's compliance framework align with FATF standards?

Sint Maarten is a CFATF member subject to FATF mutual evaluations implementing the FATF 40 Recommendations. Sint Maarten KYC regulations incorporate EU sanctions, OFAC, UN, and Kingdom of the Netherlands sanctions for comprehensive customer screening.

Q: How long must records be retained in Sint Maarten?

The National Ordinance Reporting Unusual Transactions (O.P. 2013, CT no. 479) requires a 5-year minimum retention for transaction records, customer identification documents, and suspicious activity reports for examination by CBCS and FIU Sint Maarten.

Q: What sanctions lists apply to AML screening in Sint Maarten?

Entities must screen against EU sanctions lists, US OFAC sanctions lists, United Nations sanctions, and Kingdom of the Netherlands sanctions. Business screening includes global PEP datasets and domestic watchlists based on Sint Maarten regulatory guidance.

Shufti delivers identity verification Sint Maarten compliance for KYC, KYB, and AML, aligned to CBCS supervision and FIU Sint Maarten MOT reporting requirements.

Operational performance for Sint Maarten KYC

Our Numbers Speak Volumes

<5 sec

Verification Time

100%

Omni-format Document Recognition

2000+

Official Data Sources Verified

Evidence-Ready Checks Across People & Businesses

Individual Documents We Verify

Shufti supports 4 Sint Maartener document types.

View All Supported Documents

Sint Maarten Passport

Official ICAO-compliant biometric travel document issued by the Sint Maarten civil registry. Widely accepted as the primary KYC identity proof for Sint Maarteners.

Dutch Caribbean Identity Card (Identiteitskaart)

National ID card with 5-year validity for Dutch nationals. Non-Dutch nationals' validity is tied to permit duration. Required for banking and government.

Sint Maarten Driver's Licence

Official driving permit with optically variable ink shifting gold-to-green when tilted. Purple, pink, and orange design issued by the Sint Maarten traffic authority.

Residence Permit (Verblijfsvergunning)

Official permit for non-Dutch nationals in Sint Maarten. Validity tied to permit duration. Required for employment authorisation and government services.

Business Entity Identity

Chamber of Commerce Registration Excerpt (COCI)

An entity registration document issued by the St. Maarten Chamber of Commerce confirming legal existence and trading status within 24 hours. Required for KYB compliance.

Certificate of Incorporation (NV/BV)

Legal entity formation document for NV or BV confirming corporate structure and incorporation date filed with COCI. Establishes formal business entity status.

Business Tax Identity

CRIB Number Declaration

Unique, non-expiring tax identification issued by Sint Maarten Tax Administration using the 11-proof algorithm. Required for banking and government communication.

Tax Registration Certificate

Document confirming active registration with the Sint Maarten Tax Administration and current tax compliance status. Essential for regulatory compliance procedures.

Ownership & Control (UBO)

UBO Registry Filing (Form I-F / Form I-A)

Mandatory registration for persons owning 25%+ of a legal entity. Form I-F for individuals; I-A for entities. Must complete within 7 days of incorporation or change.

Shareholder Register / Organisational Chart

Documents proving ownership percentages and control structure for beneficial ownership verification and National Ordinance Identification compliance procedures.

Languages We Cover

Bilingual Document Handling

Dutch and English appear on Sint Maarten's official documents. Shufti captures structured data fields from both language versions for complete bilingual coverage.

Name Matching Controls

Latin-script matching handles Dutch particle names such as van and de, and diacritics on Dutch documents, reducing false positives in sanctions screening.

Evidence Consistency

Identity data reconciled across document verification, UBO disclosures, CRIB records, and AML screening within a unified case file for audit readiness.

GOVERNANCE & CONTROLS

Audit-Ready Decisions, Lower Operational Drag

Fewer Avoidable Re-Submissions

Bilingual document handling and small-island ID capture reduce failure rates and re-submission friction in Sint Maarten onboarding flows.

Cleaner Audit Trails

Structured KYC case files retrievable for FIU Sint Maarten MOT reporting and CBCS examination evidence with full decision documentation.

Better Name Matching Outcomes

Handles Dutch particle names, reducing false positives in sanctions and beneficial ownership screening across bilingual Sint Maarten documents.

One Workflow, One Back Office

KYC, KYB, and AML screening consolidated into a single workflow for CBCS-regulated institutions and non-financial businesses in Sint Maarten.

National ID-First Flow Design

The Dutch Caribbean Identity Card, as a primary document, aligns with how identity verification actually occurs in Sint Maarten's financial services.

Enterprise-grade compliance infrastructure

Sint Maarten IDV/KYC Challenges

Tourism Sector KYC Gaps

High-volume transient visitor transactions complicate KYC compliance. Cash-heavy hospitality and retail create monitoring blind spots across Sint Maarten.

Gaming Compliance Risk

Online casino operators face UTR reporting for transactions exceeding NAf 4,000. Recent enforcement resulted in fines of XCG 22,500 per operator for KYC lapses.

Document Loss After Irma

Hurricane Irma (2017) destroyed homes and identification records. Post-disaster identity re-establishment creates verification gaps and fallback risk.

Correspondent Banking Gap

Reduced correspondent banking access constrains cross-border payment visibility. Complicates ongoing transaction monitoring for Sint Maarten-based institutions.

Shufti’s IDV/KYC Solutions for Sint Maarten

KYC Solutions

Face Verification

Reduces impersonation and synthetic identity risk. Addresses identity theft in gaming, tourism, and post-Irma document re-establishment in Sint Maarten.

Age Verification

Selfie-based age estimation with document verification fallback for regulated gaming products. Supports Sint Maarten KYC rules, excluding minors and addicts.

Address Verification

Shufti can verify any address-bearing document, including NV GEBE utility bills, TelEm statements, and Windward Islands Bank or RBC Royal Bank records.

Document Verification

Supports 4 Sint Maartener document types, including bilingual Dutch and English field extraction. Captures optically variable ink features on driver's licences.

KYB Solutions

Business Verification

St Maarten business verification validates entity status through COCI registry data, corroborates CRIB evidence, and captures beneficial ownership disclosures.

Enhanced Due Diligence (EDD)

Structured escalation workflows for high-risk gaming, cash-heavy businesses, and post-Irma contexts. Produces audit trails aligned to CBCS requirements.

AML Screening

Business AML Screening

Screens entities and controlling persons against EU sanctions, OFAC, UN, and the Kingdom of the Netherlands sanctions, with documented match decisions recorded.

Transaction Screening

Supports ongoing monitoring aligned to SERT Portal UTR reporting thresholds (NAf 4,000) and suspicious activity reporting for Sint Maarten institutions.

REGULATORY ALIGNMENT

Built to Fit Sint Maarten's Compliance Landscape

Central Bank of Curaçao and Sint Maarten (CBCS)

Super-regulator overseeing banking, credit unions, insurance, and trust institutions. Shufti delivers audit-ready KYC/KYB case files for CBCS examination.

Financial Intelligence Unit Sint Maarten (FIU Sint Maarten/MOT)

Administrative FIU receives unusual transaction reports and supervises designated businesses. Shufti supports MOT-compliant UTR reporting and documentation.

Sint Maarten Tax Administration (DINA)

Government agency for tax administration, CRIB number registration, and tax compliance. Shufti validates CRIB identity for complete business verification.

Bureau Telecommunicatie en Post Sint Maarten (BTP)

Independent authority overseeing telecommunications and postal services, including licensing. Shufti verifies addresses through BTP-regulated provider bills.

Personal Data Protection Supervisory Committee (Sint Maarten)

Independent body enforcing the National Ordinance for Personal Data Protection. Shufti aligns data retention, encryption, and pseudonymisation to its standards.

St. Maarten Chamber of Commerce & Industry (COCI)

Non-profit maintaining the commercial registry, UBO register, and company records. Shufti integrates COCI registry data for entity and UBO compliance.

Deployment Choice

No dedicated hyperscaler regions within Sint Maarten. Available via the Netherlands (Amsterdam) cloud regions across AWS, Azure, and Google Cloud Platform.

Regulatory Alignment

Aligned to the National Ordinance for Protection of Personal Data and CBCS recordkeeping obligations for financial institutions in Sint Maarten's AML framework.

Retention Controls

Configurable retention aligned to the 5-year minimum under National Ordinance Reporting Unusual Transactions (O.P. 2013, CT no. 479) for transaction records.

Encryption Posture

Strong encryption is applied to personal data in transit and at rest. GDPR-standard pseudonymisation is applied where Sint Maarten entities process EU resident data.

Data Controls & Privacy for Sint Maarten

BUILT FOR COMPLIANCE TEAMS

Sint Maarten AML Sources That Strengthen Decision

St. Maarten Chamber of Commerce

Sint Maarten Daily Herald

SXM Island Times

Sint Maarten News

Frequently Asked Questions

What documents are accepted for identity verification in Sint Maarten?

Shufti accepts Sint Maarten passport, Dutch Caribbean Identity Card, driver's licence with optically variable security features, residence permit, and utility bills from NV GEBE or TelEm not older than 6 months.

What is the CRIB number, and why is it required for business verification in Sint Maarten?

The CRIB is a unique, non-expiring tax identification number issued by Sint Maarten Tax Administration using the 11-proof algorithm. Required for all business verification, tax reporting, and government communication.

What is the UBO register in Sint Maarten, and what are the penalties for non-compliance?

The UBO registry, maintained by St. Maarten Chamber of Commerce & Industry, tracks natural persons owning or controlling 25% or more of a legal entity. Registration must occur within 7 days using Form I-F or I-A. Non-compliance carries fines up to XCG 50,000.

What AML regulations apply to financial institutions in Sint Maarten?

AML compliance in Sint Maarten is governed by the National Ordinance Penalization of Money Laundering, National Ordinance Reporting Unusual Transactions (O.P. 2013, CT no. 479), and National Ordinance Identification when Rendering Services. CBCS supervises financial institutions; FIU Sint Maarten/MOT supervises non-financial businesses.

What KYC requirements apply to gaming operators in Sint Maarten?

Know your customer Sint Maarten procedures for online gaming operators require identity verification before transactions exceeding NAf 4,000. KYC must prevent fraud, money laundering, and access by minors and gambling addicts. Recent enforcement resulted in XCG 22,500 fines per operator.

How does Sint Maarten's compliance framework align with FATF standards?

Sint Maarten is a CFATF member subject to FATF mutual evaluations implementing the FATF 40 Recommendations. Sint Maarten KYC regulations incorporate EU sanctions, OFAC, UN, and Kingdom of the Netherlands sanctions for comprehensive customer screening.

How long must records be retained in Sint Maarten?

The National Ordinance Reporting Unusual Transactions (O.P. 2013, CT no. 479) requires a 5-year minimum retention for transaction records, customer identification documents, and suspicious activity reports for examination by CBCS and FIU Sint Maarten.

What sanctions lists apply to AML screening in Sint Maarten?

Entities must screen against EU sanctions lists, US OFAC sanctions lists, United Nations sanctions, and Kingdom of the Netherlands sanctions. Business screening includes global PEP datasets and domestic watchlists based on Sint Maarten regulatory guidance.

Build a Sint Maarten-ready KYC, KYB & AML programme with Shufti

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PROVEN WORKFLOWS

Use Cases for Regulated Growth in Sint Maarten

Fintech

Forex

Banking

Gaming

Gig Economy

Crypto

Marketplace

Fintech

Forex

Banking

Gaming

Gig Economy

Crypto

Marketplace

Fintech

Forex

Banking

Gaming

Gig Economy

Crypto

Marketplace

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