Chapter II

Customer & Entity Due Diligence

Establish who the customer is, who ultimately owns or controls an entity, why the relationship exists and when deeper review is required.

01CDD / KYCIdentify customers, verify core facts and understand relationship purpose.02Beneficial OwnershipMap ownership and control, identify UBOs and resolve opacity.03Customer Risk Assessment & RatingTurn customer, geography, product and channel factors into a risk rationale.04Enhanced Due DiligenceApply additional evidence and approval steps where risk or uncertainty requires them.05Politically Exposed Persons (PEPs)Identify political exposure, close associates, family links and risk-sensitive controls.06Source of Wealth & Source of FundsSeparate wealth origin from funds used and test plausibility with evidence.07Adverse MediaAssess negative information by identity match, source quality, recency and relevance.08LEI & GLEIF for KYBUse LEI records to support legal-entity identity and registry evidence.09Pre-approval & Onboarding WorkflowDefine scope before account opening and route subjects to required checks.10CDD Evidence StandardPreserve identifiers, source records, negative results, hits and next review logic.