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Customer Due Diligence Requirements
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General Requirements
A licensee must obtain and record identification documents, databases or websites to identify a customer and verify their identity. Documents copied or obtained for CDD purposes must be original, with an authorized official certifying the copy.
Electronic Copies
Electronic copies require equivalent measures to ensure authenticity.
Certification of Documents
If a customer is not present in person, certification can be done by:
- A lawyer
- A notary
- A chartered/certified accountant
- An official of a government ministry
- An official of an embassy or consulate
- An official of another licensed financial institution or associate company
Certification Requirements
The individual making the certification must provide clear contact details. The licensee must verify the identity of the person providing the certification.
Legal Entities and Arrangements (e.g., Trusts)
If a customer is a legal entity or arrangement, the licensee must obtain original identification documents, databases, or websites to identify and verify their existence and structure.
Required Information
The information required includes:
- Full name and trading names
- Registration number
- Legal form and proof of existence
- Registered address and trading address (if applicable)
- Type of business activity
- Date and place of incorporation or establishment
- Telephone, fax number, and email address
- Regulatory body or listing body (for regulated activities)
Certification of Documents for Legal Entities
Documents obtained to satisfy CDD requirements must be certified in the manner specified.
Beneficial Ownership Identification
For customers that are legal persons, the licensee must identify and take reasonable measures to verify the identity of beneficial owners.
Required Information
The information required includes:
- Identity of natural person(s) with controlling ownership interest
- Identity of relevant person(s) holding senior managing official position (if no natural person is identified)
Additional Requirements
For customers from overseas jurisdictions, documents of equivalent nature may be produced as satisfactory evidence of identity. Documentary requirements do not apply to FATF/GCC listed companies.