{"id":10839,"date":"2026-02-03T11:58:14","date_gmt":"2026-02-03T11:58:14","guid":{"rendered":"https:\/\/www.amlcc.com\/?p=10839"},"modified":"2026-01-30T11:59:07","modified_gmt":"2026-01-30T11:59:07","slug":"whats-ongoing-monitoring-of-a-client","status":"publish","type":"post","link":"https:\/\/www.amlcc.com\/bhs\/whats-ongoing-monitoring-of-a-client\/","title":{"rendered":"What\u2019s ongoing monitoring of a client?"},"content":{"rendered":"\n

What\u2019s ongoing monitoring of a client?<\/h1>\n\n\n
\"Richard<\/div>
Richard Simms<\/span>

Director and Founder of AMLCC and AMLCC Consult<\/h3><\/div><\/div><\/div><\/div>\n\n\n
\"What\u2019s<\/figure><\/div><\/div>\n\n\n\n
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Ongoing monitoring of a client is a core part of your anti-money laundering (AML) obligations when you have a business relationship under the UK\u2019s Money Laundering Regulations 2017<\/a> (as amended) (MLRs).<\/p>\n\n\n\n

Unlike initial checks, it\u2019s continuous. It means keeping transactions and customer information under review over time so that you can spot changes that might indicate rising risk or criminal activity.<\/p>\n\n\n\n

When you first onboard a client, you gather information to identify them and assess their risk. But that\u2019s only a snapshot of a point in time. People, businesses and circumstances change. Ongoing monitoring builds on that initial due diligence<\/a> so your picture of the client stays current throughout the relationship.<\/p>\n\n\n\n

What ongoing monitoring involves<\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n

At its heart, ongoing monitoring has two linked elements<\/p>\n\n\n\n

1. Reviewing transactions<\/h3>\n\n\n\n

You should keep track of customer transactions across the life of the relationship, looking to ensure the activity you see fits with your knowledge of:<\/p>\n\n\n\n