การคัดกรอง AML สำหรับพอร์ตการลงทุนขนาดเล็ก – มีเกณฑ์ที่ใช้ได้จริงหรือไม่?

That's a great question, and it really highlights the tension between regulatory compliance and operational efficiency for smaller accounts. While the letter of the law might imply universal application, I've seen some firms use a tiered approach to the intensity of screening based on portfolio size and initial risk assessment. What are your thoughts on balancing the cost of robust screening with the potential revenue from smaller clients?

It's always a fun dance, isn't it? Regulators want you to catch the big fish, but they also want you to meticulously document every minnow's financial history. For a $25k portfolio, you're probably not looking for a cartel kingpin, but someone's still going to need to check their ID and make sure they're not on a sanctions list. The practical threshold seems to be 'have you tried to look?', regardless of the size.