{"id":1612,"date":"2021-07-13T16:33:31","date_gmt":"2021-07-13T04:33:31","guid":{"rendered":"https:\/\/alphaamltraining.com\/?p=1612"},"modified":"2025-02-05T15:29:33","modified_gmt":"2025-02-05T02:29:33","slug":"when-to-apply-enhanced-customer-due-diligence","status":"publish","type":"post","link":"https:\/\/alphaamltraining.com\/nz\/when-to-apply-enhanced-customer-due-diligence\/","title":{"rendered":"When to apply Enhanced Customer Due Diligence?"},"content":{"rendered":"\n<p>Are you struggling to understand when to do Enhanced Customer Due Diligence (ECDD) on a prospective customer? If you\u2019re feeling confused about when to do ECDD, you\u2019re not alone.<\/p>\n\n\n\n<p>Engaging with customers and activities that pose greater money laundering and terrorism financing (ML\/TF) risks calls for anti-money laundering (AML) reporting entities to apply an enhanced level of Customer Due Diligence (CDD) &#8211; this is known as Enhanced Customer Due Diligence (sometimes called &#8220;EDD&#8221; or &#8220;ECDD&#8221;).<\/p>\n\n\n\n<p>ECDD helps to minimize the risks of engaging with high-risk customers or carrying out high-risk transactions by requiring AML reporting entities to apply a greater level of scrutiny when conducting CDD in these situations.&nbsp;<\/p>\n\n\n\n<p>However, knowing exactly when to apply ECDD is not always clear-cut. In many cases, there are explicit legal requirements that automatically call for ECDD to be applied. In other cases, you will need to weigh up ML\/TF risk factors in the context of your business to decide if a potential customer or activity requires ECDD.<\/p>\n\n\n\n<p>In this blog, we\u2019ll explore when to apply ECDD in more detail, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Customers and activities that automatically call for ECDD<\/li><li>Other ECDD factors to consider&nbsp;<\/li><li>Maintaining effective ECDD compliance standards<\/li><\/ul>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/shutterstock_310031243-1024x683.jpg\" alt=\"\" class=\"wp-image-1638\" srcset=\"https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/shutterstock_310031243-1024x683.jpg 1024w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/shutterstock_310031243-scaled-290x193.jpg 290w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/shutterstock_310031243-scaled-600x400.jpg 600w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/shutterstock_310031243-300x200.jpg 300w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/shutterstock_310031243-768x512.jpg 768w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/shutterstock_310031243-1536x1024.jpg 1536w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/shutterstock_310031243-2048x1365.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Customers that automatically call for ECDD<\/strong><\/h2>\n\n\n\n<p>Let\u2019s start with the easy ones. There are various circumstances set out in the <em>Anti-Money Laundering and Countering Financing of Terrorism Act 2009<\/em> (The AML\/CFT Act) where ECDD is automatically required.&nbsp;<\/p>\n\n\n\n<p>These circumstances may apply to a customer that is seeking to conduct an occasional transaction or activity with you, or a new customer you are establishing a business relationship with.&nbsp;<\/p>\n\n\n\n<p>You must conduct ECDD whenever your customer is:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>A <strong>trust<\/strong> or another vehicle for holding personal assets<\/li><li>A non-resident customer from a country that has <strong>insufficient AML\/CFT systems or measures in place<\/strong><\/li><li>A company with <strong>nominee shareholders<\/strong> or <strong>shares in bearer form<\/strong><\/li><li>A company with <strong>nominee directors<\/strong>&nbsp;<\/li><li>A limited partnership or overseas limited partnership with <strong>nominee general partners<\/strong><\/li><li>A <strong>Politically Exposed Person (PEP)<\/strong><\/li><li>Seeking to conduct a<strong> complex, unusually large transaction<\/strong> or <strong>unusual pattern of transactions<\/strong> that have no apparent or visible economic or lawful purpose<\/li><\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>You must also conduct ECDD in situations when:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>You establish a relationship with a customer that involves<strong> new or developing technologies or new or developing products that might favour anonymity<\/strong><\/li><li>You are an <strong>ordering institution, an intermediary institution, or a beneficiary institution in relation to a wire transfer greater than $1,000<\/strong><\/li><li>You have, or propose to have, a <strong>correspondent banking relationship<\/strong><\/li><li>You become aware that you <strong>must report a Suspicious Activity Report (SAR)<\/strong><\/li><\/ul>\n\n\n\n<p>Whenever one or more of these customers or situations is present, you must conduct ECDD on your customer, usually before any activities or transactions have commenced.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" data-src=\"https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/shutterstock_1334943200-1024x683.jpg\" alt=\"\" class=\"wp-image-1647 lazyload\" data-srcset=\"https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/shutterstock_1334943200-1024x683.jpg 1024w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/shutterstock_1334943200-scaled-290x193.jpg 290w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/shutterstock_1334943200-scaled-600x400.jpg 600w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/shutterstock_1334943200-300x200.jpg 300w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/shutterstock_1334943200-768x512.jpg 768w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/shutterstock_1334943200-1536x1025.jpg 1536w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/shutterstock_1334943200-2048x1366.jpg 2048w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/683;\" \/><\/figure>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Other ECDD factors to consider<\/strong><\/h2>\n\n\n\n<p>But wait, there\u2019s more to it. The AML\/CFT Act also specifies a requirement that ECDD should apply whenever a reporting entity considers that the level of risk involved is such that ECDD should apply. Essentially, this is a board requirement that captures any other situation that you deem to be high-risk for ML\/TF that is not specifically identified in the Act.&nbsp;<\/p>\n\n\n\n<p>The situations may arise from factors associated with the size, nature and complexity of your business, your customers, your products\/services, and your methods of delivery, as well as the types of institutions and countries that you deal with. We\u2019ve pulled together some factors that may help you consider if a potential customer or activity requires ECDD. <\/p>\n\n\n\n<p>These include:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Country risks<\/strong> (e.g. engaging with customers from countries associated with sanctions, conflict or terrorism, high-levels of crime or corruption)&nbsp;<\/li><li><strong>Customer behaviour<\/strong> (e.g. customers requesting anonymity, urgency or offering to pay extraordinary fees for services)<\/li><li><strong>Other ML\/TF \u2018red flag\u2019 indicators<\/strong> (e.g. large quantities of physical cash, requests to structure transactions in unusual or unexpected ways, third-party involvement)&nbsp;<\/li><li><strong>Customer\u2019s business and networks<\/strong> (e.g. your customer\u2019s customers, your customer\u2019s products and\/or services, adverse media coverage)<\/li><li><strong>Accuracy and legitimacy of identity documents<\/strong> (e.g. fraudulent documents or IDs)&nbsp;<\/li><li><strong>What is normal or expected<\/strong> (e.g. expected wealth profile and\/or patterns of activity\/transactions given what you know about a customer)&nbsp;<\/li><\/ul>\n\n\n\n<p>The starting point for situations where these ML\/TF risks may arise should be based on the findings of your AML Risk Assessment and they will be particular to your business.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" data-src=\"https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/shutterstock_243776203-1024x683.jpg\" alt=\"\" class=\"wp-image-1652 lazyload\" data-srcset=\"https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/shutterstock_243776203-1024x683.jpg 1024w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/shutterstock_243776203-scaled-290x193.jpg 290w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/shutterstock_243776203-scaled-600x400.jpg 600w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/shutterstock_243776203-300x200.jpg 300w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/shutterstock_243776203-768x512.jpg 768w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/shutterstock_243776203-1536x1024.jpg 1536w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/shutterstock_243776203-2048x1365.jpg 2048w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/683;\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Maintaining effective ECDD compliance standards<\/strong><\/h2>\n\n\n\n<p>Well-documented policies and procedures are the way to go. As an AML reporting entity, you need to take steps to Know Your Customer (KYC) to comply with AML legislation as well as protect yourself and your business from criminal activity.<\/p>\n\n\n\n<p>Effective CDD compliance starts with taking steps to ensure you know who you are dealing with, understanding their activities, and assessing their risk of ML\/TF. Gathering required identity information and validating the accuracy of that information is often the first step to CDD compliance and reducing risk.&nbsp;<\/p>\n\n\n\n<p>After that, you need to determine what is a low or medium-risk customer or account activity in the context of your business (requiring Standard CDD or even Simplified CDD), and the types of customers or activities that present higher ML\/TF risks, where ECDD will apply.&nbsp;<\/p>\n\n\n\n<p>These determinations might form the basis of a customer classification system you put in place to set out the different types of customers or account activities where ECDD will apply.&nbsp;Having clearly defined and documented procedures will make it easier for staff to adhere to your ECDD procedures and for compliance staff to report to supervisors, if necessary.<\/p>\n\n\n\n<div style=\"height:45px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Train your staff on ECDD<\/strong><\/h2>\n\n\n\n<p>Engage in some good quality training. AML laws also require reporting entities to have staff AML training programmes in place for appropriate or relevant employees. Training is one of the most important ways to stress the importance of AML requirements and educate employees about when ECDD will apply.&nbsp;<\/p>\n\n\n\n<p>If you are ready to deliver a revolutionary training experience to train your team on ECDD, have a look at our <a href=\"https:\/\/alphaamltraining.com\/course\/enhanced-customer-due-diligence\/\">Enhanced Customer Due Diligence (ECDD) course<\/a>, browse our <a href=\"https:\/\/alphaamltraining.com\/\">website<\/a>, or <a href=\"https:\/\/alphaamltraining.com\/contact\/\">get in touch<\/a> with our friendly team.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" data-src=\"https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/Untitled-design-2-1024x576.png\" alt=\"\" class=\"wp-image-1634 lazyload\" data-srcset=\"https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/Untitled-design-2-1024x576.png 1024w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/Untitled-design-2-290x163.png 290w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/Untitled-design-2-600x338.png 600w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/Untitled-design-2-300x169.png 300w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/Untitled-design-2-768x432.png 768w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/Untitled-design-2-1536x864.png 1536w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2021\/07\/Untitled-design-2.png 1920w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/576;\" \/><figcaption>                                                 <center>View the Alpha AML Training: <a href=\"https:\/\/alphaamltraining.com\/course\/enhanced-customer-due-diligence\/\">Enhanced CDD Course<\/a><\/figcaption><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Remember\u2026 ask for help<\/strong><\/h2>\n\n\n\n<p>Before you go. Don\u2019t forget that there are places you can go for additional guidance. We hope the thoughts we have shared in this article are helpful, but they\u2019re not intended to be taken as legal advice. Always consult the <a href=\"https:\/\/www.legislation.govt.nz\/act\/public\/2009\/0035\/latest\/DLM2140720.html\">legislation<\/a> when making decisions about your AML compliance programme. If you have questions about a specific situation, you can reach out to the AML supervisors at <a href=\"https:\/\/www.fma.govt.nz\/compliance\/amlcft\/\">Financial Market Authority<\/a> or <a href=\"https:\/\/www.dia.govt.nz\/AML-CFT-Homepage\">The Department of Internal Affairs<\/a> for additional guidance.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Explore when to apply Enhanced Customer Due Diligence (ECDD) to customers and how to maintain effective ECDD compliance standards.<\/p>\n","protected":false},"author":1,"featured_media":1638,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1612","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general-nz"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Enhanced Customer Due Diligence Training NZ | Alpha AML NZ<\/title>\n<meta name=\"description\" content=\"Discover when to apply Enhanced Customer Due Diligence in our detailed blog for NZ professionals. 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