기존 고객 AML 심사 주기 – 모범 사례 vs. 규제 최소 요건?

Annual checks for sanctions and adverse media are standard for many, but "optimal" really depends on your client risk profiles. Higher risk clients often warrant more frequent review, even if not strictly mandated. Have you stratified your client base by risk?

Annual checks for existing clients seems to be the industry standard for most lower-risk profiles. Anything more frequent without a specific trigger might just be adding operational overhead, unless your risk assessment explicitly indicates otherwise.

Annual checks for existing clients are indeed standard for regulatory minimums, but many firms are moving to a more dynamic, event-driven screening model to catch changes quicker.