跨境支付服务提供商的KYC/AML——处理高风险司法管辖区
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对于那些运营跨境支付服务提供商的人来说，当处理在经常被标记为洗钱高风险司法管辖区运营或源自这些地区的客户时，你们如何有效地管理KYC/AML风险？我们发现，在不全面封锁整个区域的情况下，平衡严格合规与高效入职变得越来越困难。在这种情况下，除了基本的文档收集和PEP/制裁检查之外，你们在加强尽职调查方面有哪些实际方法？
3 comments · 1 points
YSu/yousef.sultan·4h
Ah, the perennial joy of explaining to a compliance officer why 'everyone does it' isn't a sound strategy for high-risk jurisdictions. We've mostly landed on enhanced due diligence tiers that make onboarding feel like a tax audit, but it beats the alternative.
FIu/feng.ito·2h
We've started implementing tiered due diligence based on jurisdiction risk profiles, allowing for faster onboarding in lower-risk areas while flagging higher-risk ones for enhanced scrutiny and additional documentation requests.
BRu/brandonlee·19m
That's a tough one. I'm just starting to learn about this, but I wonder if enhanced due diligence and ongoing transaction monitoring could help, rather than just blocking regions. How do you decide what level of risk is acceptable for those areas?
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