{"id":391513,"date":"2026-07-03T18:42:03","date_gmt":"2026-07-03T17:42:03","guid":{"rendered":"https:\/\/realites.com.tn\/fr\/?p=391513"},"modified":"2026-07-03T19:40:13","modified_gmt":"2026-07-03T18:40:13","slug":"les-declarations-de-soupcon-ont-triple-entre-2020-et-2025-revele-le-rapport-de-la-ctaf","status":"publish","type":"post","link":"https:\/\/realites.com.tn\/fr\/les-declarations-de-soupcon-ont-triple-entre-2020-et-2025-revele-le-rapport-de-la-ctaf\/","title":{"rendered":"Les d\u00e9clarations de soup\u00e7on ont tripl\u00e9 entre 2020 et 2025, r\u00e9v\u00e8le le rapport de la CTAF"},"content":{"rendered":"

Le bulletin d\u2019analyse strat\u00e9gique de la Commission tunisienne des analyses financi\u00e8res (CTAF) li\u00e9 au financement du terrorisme en Tunisie entre 2020 et 2025 a r\u00e9v\u00e9l\u00e9 une r\u00e9elle explosion du v<\/span>olume des signalements financiers en l\u2019espace de cinq ans, refl\u00e9tant \u00e0 la fois une vigilance accrue des institutions et une mutation profonde des circuits financiers suspects<\/span>.<\/p>\n

Le chiffre en dit long : le nombre de d\u00e9clarations de soup\u00e7on (DS) re\u00e7ues par la CTAF est pass\u00e9 de <\/span>446 en 2020<\/span> \u00e0 <\/span>1 334 en 2025<\/span>. Les signalements ont ainsi doubl\u00e9, port\u00e9s notamment par une hausse continue \u00e0 partir de 2022 (<\/span>516 d\u00e9clarations<\/span>), franchissant le cap des <\/span>850 en 2023<\/span> puis des <\/span>1 236 en 2024<\/span>.<\/p>\n

Sur toute la p\u00e9riode allant de 2020 \u00e0 2025, la Commission a trait\u00e9 de mani\u00e8re sp\u00e9cifique <\/span>104 d\u00e9clarations de soup\u00e7on<\/span> fermes pour des suspicions de financement du terrorisme, donnant lieu \u00e0 la transmission de <\/span>69 rapports d\u2019enqu\u00eate<\/span> directement envoy\u00e9s au procureur de la R\u00e9publique<\/span>.<\/p>\n

Qui donne l\u2019alerte ?<\/h3>\n

Le secteur financier classique reste la premi\u00e8re ligne de d\u00e9fense du pays<\/span>. Les <\/span>banques et l\u2019Office National des Postes (ONP)<\/span> portent l’essentiel de l’effort d\u00e9claratif, repr\u00e9sentant par exemple <\/span>100 % des signalements en 2021 et 2024<\/span>, et encore <\/span>81 % en 2025<\/span>. En 2025, les <\/span>compagnies d’assurance<\/span> ont g\u00e9n\u00e9r\u00e9 <\/span>14 %<\/span> des signalements, tandis que les nouveaux <\/span>\u00e9tablissements de paiement<\/span> ont fait leur entr\u00e9e \u00e0 hauteur de <\/span>5 %<\/span>.<\/p>\n

L\u2019analyse de la CTAF casse le mythe d’un financement du terrorisme totalement isol\u00e9 du reste de l’\u00e9conomie criminelle<\/span>. Les dossiers r\u00e9v\u00e8lent une imbrication syst\u00e9matique avec d’autres infractions majeures<\/span>. Le financement du terrorisme s\u2019associe en priorit\u00e9 aux <\/span>infractions fiscales (28 %)<\/span> et au <\/span>trafic illicite de migrants (27 %)<\/span>. Le reste se partage \u00e9quitablement (<\/span>9 % chacun<\/span>) entre la contrebande, le vol, l’escroquerie, l’abus de confiance et le faux en \u00e9criture<\/span>.<\/p>\n

Sur le plan des outils utilis\u00e9s, les habitudes changent<\/span>. Si la p\u00e9riode 2020-2022 \u00e9tait massivement domin\u00e9e par le duo classique <\/span>virements internationaux \/ argent liquide<\/span>, la p\u00e9riode 2023-2025 marque un tournant technologique<\/span>. L’argent liquide (esp\u00e8ces) reste le premier vecteur (<\/span>29 %<\/span>)<\/span>. Cependant, les enqu\u00eateurs ont vu bondir les <\/span>transferts interbancaires locaux (23 %)<\/span> et les ch\u00e8ques (<\/span>16 %<\/span>)<\/span>. Plus r\u00e9v\u00e9lateur encore : les canaux num\u00e9riques comme les <\/span>portefeuilles \u00e9lectroniques (wallets)<\/span> et les <\/span>cartes bancaires internationales<\/span> se sont install\u00e9s dans le paysage, repr\u00e9sentant d\u00e9sormais chacun <\/span>1 %<\/span> des outils financiers identifi\u00e9s dans ces circuits illicites<\/span>.<\/p>\n

S’agissant du profil des personnes physiques cibl\u00e9es par ces rapports, la radiographie des suspects r\u00e9v\u00e8le une population majoritairement locale et jeune. En effet, les donn\u00e9es de la CTAF indiquent que 84 % des individus suspect\u00e9s sont de nationalit\u00e9 tunisienne. Sur le plan g\u00e9n\u00e9rationnel, la tranche d’\u00e2ge des 31 \u00e0 40 ans s’impose comme la plus touch\u00e9e, englobant \u00e0 elle seule 35 % des suspects. Cette population est par ailleurs tr\u00e8s largement masculine, puisque les hommes repr\u00e9sentent en moyenne 74 % des profils identifi\u00e9s sur la p\u00e9riode allant de 2023 \u00e0 2025. Enfin, concernant leur situation l\u00e9gale ant\u00e9rieure, il s’av\u00e8re que seuls 16,5 % des individus apparaissant dans ces dossiers \u00e9taient d\u00e9j\u00e0 inscrits sur une liste officielle de sanctions financi\u00e8res cibl\u00e9es, ce qui d\u00e9montre l’apparition r\u00e9guli\u00e8re de nouveaux acteurs dans les radars de la Commission.<\/p>\n

Du c\u00f4t\u00e9 des entreprises et des structures juridiques (personnes morales), le risque se concentre principalement sur deux secteurs : le <\/span>commerce international (26 %)<\/span> et le monde des <\/span>associations caritatives ou culturelles (26 %)<\/span>. Ces structures ont pour point commun d’avoir une existence jeune mais \u00e9tablie, <\/span>64 % d’entre elles ayant entre 2 et 5 ans d’anciennet\u00e9<\/span> au moment de la d\u00e9tection de l’anomalie<\/span>.<\/p>\n

Pour en savoir plus, cliquez ici. T\u00e9l\u00e9charger le bulletin d\u2019analyse strat\u00e9gique de la Commission tunisienne des analyses financi\u00e8res (CTAF)<\/a><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Le bulletin d\u2019analyse strat\u00e9gique de la Commission tunisienne des analyses financi\u00e8res (CTAF) li\u00e9 au financement du terrorisme en Tunisie entre 2020 et 2025 a r\u00e9v\u00e9l\u00e9 une r\u00e9elle explosion du volume…<\/p>\n","protected":false},"author":145,"featured_media":369664,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3,6],"tags":[11208],"class_list":["post-391513","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une","category-economie","tag-ctaf"],"yoast_head":"\nLes d\u00e9clarations de soup\u00e7on ont tripl\u00e9 entre 2020 et 2025, r\u00e9v\u00e8le le rapport de la CTAF - R\u00e9alit\u00e9s Magazine<\/title>\n<meta name=\"description\" content=\"Le bulletin d\u2019analyse strat\u00e9gique de la Commission tunisienne des analyses financi\u00e8res (CTAF) li\u00e9 au financement du terrorisme en Tunisie entre 2020 et\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/realites.com.tn\/fr\/les-declarations-de-soupcon-ont-triple-entre-2020-et-2025-revele-le-rapport-de-la-ctaf\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les d\u00e9clarations de soup\u00e7on ont tripl\u00e9 entre 2020 et 2025, r\u00e9v\u00e8le le rapport de la CTAF - R\u00e9alit\u00e9s Magazine\" \/>\n<meta property=\"og:description\" content=\"Le bulletin d\u2019analyse strat\u00e9gique de la Commission tunisienne des analyses financi\u00e8res (CTAF) li\u00e9 au financement du terrorisme en Tunisie entre 2020 et\" \/>\n<meta property=\"og:url\" content=\"https:\/\/realites.com.tn\/fr\/les-declarations-de-soupcon-ont-triple-entre-2020-et-2025-revele-le-rapport-de-la-ctaf\/\" \/>\n<meta property=\"og:site_name\" content=\"R\u00e9alit\u00e9s Magazine\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/realites.tn\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-03T17:42:03+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-03T18:40:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2025\/09\/cash-argent.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1108\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"M. 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