Client due diligence is where a firm concentrates most of its compliance risk, because the file either shows what was checked, when, and who approved it, or it does not. This pillar covers the obligations themselves: how UK and UAE firms tier client risk, what sanctions and PEP screening actually involves and where it comes from, what source of funds evidence should look like, and how often a file has to be revisited. It is worth being precise about where Accupe sits in that picture. Accupe captures and reviews identity and ID documents, files the evidence against the client and the named director, tracks expiry and review dates, and records every action in an append-only audit log. It does not run sanctions, PEP or adverse-media screening, and it is not a substitute for your AML obligations. Keep your screening provider and let Accupe hold the evidence and the deadlines.
The 9 newest of 45 articles on aml obligations and client due diligence.
What every firm should have straight on this topic, whether or not it ever uses Accupe.
Tier every client as simplified, standard or enhanced, and write down why. That rating is what justifies the depth of everything else on the file.
Collect ID and proof of address, put them through a review queue rather than an inbox, and record who approved what and when.
Checking a name against OFSI, OFAC, UN and EU lists is specialist work, and Accupe does not do it. Use a dedicated screening provider, then file its output with the rest of the client evidence.
Negative news checks, and re-screening at a frequency set by risk, belong to your screening provider. What a reviewer asks you for later is the date of the last one and what it found.
Identity answers who somebody is, not where the money came from. Bank statements, sale contracts and dividend records belong on the client record, not in a partner mailbox.
A file passes review when it can be reconstructed: the document, the reviewer, the timestamp and the decision, in an order nobody can quietly rewrite.
Accupe does not run sanctions, PEP, adverse-media or watchlist screening, and nothing in it monitors your clients against a list. It is the evidence, workflow and deadline layer that sits alongside whichever screening provider you already use.
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