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identification program guidelines and best practices reflecting the various types of transactions that are most prevalent in the national banking system.
Collecting the identification information Screening the customer Assessing the customers risk profile Reconfirming the identification information Obtaining additional information Reconfirming the identification information
Legal name and any other names used (such as maiden name) Correct permanent address (the full address should be obtained: a Post Office box number is not sufficient) Telephone number, fax number, and e-mail address Date and place of birth Nationality Occupation, public position held and/or name of employer An official personal identification number or other unique identifier contained in an unexpired official documents that bears a photograph of the customer Type of account and nature of the banking relationship Signature
(source: General Guide to Account Opening and Customer Identification, BCBS)
customer applications existing customer base against lists of known or suspected money launderers/terrorists
If the financial institution believes that enhanced due diligence is required after the initial assessment of the customers risk profile, it should obtain additional information, such as:
Evidence of an individuals permanent address sought through a credit reference agency search or through independent verification by home visits Personal reference (i.e. by an existing customer of the same institution) Prior bank reference and contact with the bank regarding the customer Source of wealth Verification of employment, public position held (where appropriate)
Confirming the date of birth from an official document (birth certificate, passport, identity card, social security records) Confirming the permanent address
Utility bill, tax assessment, bank statement, a letter from a public authority
Contacting the customer by telephone or by letter to confirm the information supplied after an account has been opened
Confirming the validity of the official documentation provided through certification by an authorized person
Verify that any person acting on behalf of the legal person/arrangement is so authorized. Identify any person acting on behalf of the legal persons/arrangements.
2.
Directors: A directors exercises control over the business and thus over funds passing through the account Signatories: A signatory to an account is able to exercise control or authority over funds passing through the account
Verification of the lawful existence of the company Verification of the license if it is required in operating such business
Is the legal person/arrangement regulated? Is the legal person/arrangement required to observe AML/CFT controls?
Annual audited accounts, copies of business plan. Location of the headquarter, branches, plants, warehouses, overseas offices. Major customers/suppliers. Other financial institutions the legal person/arrangement has business relationships. Likely level of account activity and format (cash, checks, wires)
It is important to obtain sufficient documentation to prove or establish that the business exist.
Company E
Company D
Mr. V
Mr. W
Bearer Shares
Mr. S
Company C
Company B
Mr. X
Mr. Y
Ms. Z
Company F
Company A
Thank You