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 C lie n t A c c e p ta n c e & A n t i M o n e y L a u n d e rin g (C A A M L ) P ro c es s F l o w
H ig h L e v el R is k s
S p ec ific R is k
T h e B a nk be c o m es a v eh ic le f or
c rim in a l ac t iv itie s s u c h as m on e y
lau n de ring a n d /o r te rro ris t
fin an c ing
P re -d ef in e d
n eu tra l/ N eu tra l
K n ow Y o u r C us t om e r (K Y C )
is fille d o ut a nd f orw a rd to
C P U fo r fu rth e r p roc e s s ing .
T im e & D at e S ta m pe d
R et ail / C P U
A c c o un t o pe n ed a n d c us t om e r is
inf orm e d th ro ug h re s pe c tiv e b ran c h
C P U / R et ail
C us t om e r w a lk s an d re qu e s t o p en a n
a c c ou n t. A c c o un t op e nin g is fille d ou t by th e H ig h L e v el C o n t ro ls
c u s to m er an d re le v a nt v e rif ic a tio n
d oc u m e nt s a re ob ta ine d
R et ail D IR E C T IV E : D oc u m e nt ed P o lic i
a re in p lac e o u tlin ing t he c rite ria
S a nc t io n c h ec k s
C us t om e r p re - s c re en ing is p e rfo rm ed a lon g
w it h ne c e s s ary S an c tio n c he c k s a n d in c o m e P R E V E N T IV E : A n In d ep e nd e nt
v e rif ic a tio n M o ne y la un d erin g (A M L ) U nit is
e s ta blis he d to o v e rs ee t ran s a c tio
m o nito ring .
R et ail /C P U
D E T E C T IV E : S u s pic iou s
tra n s ac t io n s a re an a ly z e d a nd
A c c e pt ed R eje c te d re po rte d to T rea s u ry D ep a rtm e n
G o v e rnm e n t A u th o rit y
In c re as e d R is k / C us t om e r is I nf orm e d
P o litic a lly a bo u t d e nia l of a c c ou n t
E x p os e d o pe n in g re qu e s t
p ers o n s (P E P )
R et ail
A d v ic e f rom A M L U n it is
re qu ired
R et ail / C om p lia n c e
T u rn aro u nd t im e - 2
w ork in g D a y s s u b je c t
to t he c o m p lia nc e
a dv ic e a nd
d oc u m e nt at io n
c es s F l o w

ig h L e v el C o n t ro ls

IR E C T IV E : D oc u m e nt ed P o lic ie s
re in p lac e o u tlin ing t he c rite ria fo r
a nc t io n c h ec k s

R E V E N T IV E : A n In d ep e nd e nt A n ti
o ne y la un d erin g (A M L ) U nit is
s ta blis he d to o v e rs ee t ran s a c tion s
o nito ring .

E T E C T IV E : S u s pic iou s
a n s ac t io n s a re an a ly z e d a nd
po rte d to T rea s u ry D ep a rtm e nt o f
o v e rnm e n t A u th o rit y