antimoneylaundering-customerduediligence-knowyourcustomer-121222113938-phpapp01.pdf

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ANTI MONEY LAUNDERING
CUSTOMER DUE DILIGENCE/
KNOW YOUR CUSTOMER
Presented by:
Besart Qerimi
besart.qerimi@gmail.com
2011
SESSION OBJECTIVES
Briefing on:
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Customer Due Diligence (CDD)
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Know Your Client (KYC)
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CDD/KYC and Financial Institutions
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Customer Acceptance Policy
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FATF Recommendations
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Customer Identification
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CDD and Tipping Off
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On-going Monitoring of Accounts and Transactions
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Risk Management
CUSTOMER DUE DILIGENCE
a)
Identifying the customer on the basis of documents, data or information obtained from a
reliable and independent source
b)
Identifying, where applicable, the beneficial owner and taking risk-based and adequate
measures to understand the ownership and control structure of the customer
c)
d)
Obtaining information on the purpose and intended nature of the business relationship
Conducting ongoing monitoring of the business relationship including ensuring that the
transactions being conducted are consistent with the knowledge of the customer, the
business and risk profile, including, where necessary, the source of funds and ensuring that
documents, data or information held are kept up-to-date.
The EU Third AML Directive
CUSTOMER
ACCEPTANCE POLICY
“Banks should develop clear acceptance policies and procedures, including a description of the
types of customer that are likely to pose a higher than average risk to a bank”.
In preparing such policy, following factors should be included:
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Customers’ background
Country of origin
Pubic or high profile position
Linked accounts
Business activities
Other risk indicators
FATF RECOMMENDATION 5
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Customer due diligence
No anonymous accounts or accounts in obviously
fictitious names.
Need for CDD measures, including identifying and
verifying the identity of their customers.
Application of CDD on a risk sensitive basis.
•
Application of CDD both to all new customers and
existing customers.

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