{"id":10710,"date":"2025-11-18T11:06:36","date_gmt":"2025-11-18T11:06:36","guid":{"rendered":"https:\/\/www.amlcc.com\/?p=10710"},"modified":"2026-07-29T13:58:07","modified_gmt":"2026-07-29T13:58:07","slug":"how-should-peps-be-treated-during-onboarding","status":"publish","type":"post","link":"https:\/\/www.amlcc.com\/gd\/how-should-peps-be-treated-during-onboarding\/","title":{"rendered":"How should PEPs be treated during onboarding?"},"content":{"rendered":"\n<div class=\"wp-block-uagb-container uagb-block-8cdf7575 alignfull uagb-is-root-container\"><div class=\"uagb-container-inner-blocks-wrap\"><h1 style=\"margin-top:0;margin-bottom:0\" class=\"wp-block-post-title\">How should PEPs be treated during onboarding?<\/h1>\n\n\n<div class=\"wp-block-uagb-info-box uagb-block-4293da6b uagb-infobox__content-wrap  uagb-infobox-icon-left-title uagb-infobox-left uagb-infobox-image-valign-middle\"><div class=\"uagb-ifb-content\"><div class=\"uagb-ifb-left-title-image\"><div class=\"uagb-ifb-image-content\"><img decoding=\"async\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2024\/09\/Richard-Simms-AMLCC-956x1024.png\" alt=\"Richard Simms\" width=\"80\" height=\"85\" loading=\"lazy\"\/><\/div><div class=\"uagb-ifb-title-wrap\"><span class=\"uagb-ifb-title-prefix\">Richard Simms<\/span><h3 class=\"uagb-ifb-title\">Director and Founder of AMLCC and AMLCC Consult<\/h3><\/div><\/div><\/div><\/div>\n\n\n<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/11\/pexels-tima-miroshnichenko-7009468-scaled.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"How should PEPs be treated during onboarding?\" style=\"aspect-ratio:16\/9;width:100%;height:480px;object-fit:cover;\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/11\/pexels-tima-miroshnichenko-7009468-scaled.jpg 2560w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/11\/pexels-tima-miroshnichenko-7009468-300x200.jpg 300w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/11\/pexels-tima-miroshnichenko-7009468-1024x683.jpg 1024w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/11\/pexels-tima-miroshnichenko-7009468-768x512.jpg 768w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/11\/pexels-tima-miroshnichenko-7009468-1536x1024.jpg 1536w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/11\/pexels-tima-miroshnichenko-7009468-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><\/figure><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-f4715dae alignfull uagb-is-root-container\"><div class=\"uagb-container-inner-blocks-wrap\">\n<div class=\"wp-block-uagb-container uagb-block-f9c6201f\">\n<p class=\"wp-block-paragraph\">A&nbsp;<a href=\"https:\/\/www.amlcc.com\/whats-a-pep\/%5C\">politically exposed person<\/a>&nbsp;(PEP) is someone who holds, or has held, a prominent public position. Because PEPs have access to power, influence and public funds, they carry a higher&nbsp;<a href=\"https:\/\/www.amlcc.com\/whats-meant-by-inherent-risk\/\">inherent risk<\/a>&nbsp;of money laundering, corruption and bribery. And so onboarding a PEP means applying some form of enhanced due diligence.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">FATF Recommendation 12 sets this out as a requirement for regulated firms internationally. The extent of this depends on the risk factors and your own AML policies, controls and procedures (PCPs). The same onboarding requirements apply to a PEP\u2019s immediate family members and close associates.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What FATF requires<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">FATF defines a PEP as an individual who is or has been entrusted with a prominent public function. Examples include members of parliament, senior judges, ambassadors, military officers and executives of state-owned enterprises.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">FATF Recommendation 12 sets out the core PEP requirements, which apply to both domestic and foreign politically exposed persons. When a client is identified as a PEP, or a family member or close associate of one, you&#8217;re required to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>have risk management systems in place to determine whether a customer or beneficial owner is a PEP;<\/li>\n\n\n\n<li>establish\u00a0<a href=\"https:\/\/www.amlcc.com\/whats-source-of-wealth\/\">source of wealth<\/a>\u00a0and\u00a0<a href=\"https:\/\/www.amlcc.com\/whats-source-of-funds\/\">source of funds<\/a>;<\/li>\n\n\n\n<li>obtain senior management approval;<\/li>\n\n\n\n<li>conduct enhanced due diligence (EDD) as appropriate;<\/li>\n\n\n\n<li>conduct enhanced ongoing monitoring.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">These apply whether the PEP is based domestically or overseas, with a level of scrutiny that\u2019s proportionate to the risk.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">FATF requires some form of\u00a0<a href=\"https:\/\/www.amlcc.com\/what-is-enhanced-due-diligence\/\">enhanced due diligence<\/a>\u00a0(EDD) for foreign PEPs as standard. For domestic PEPs and PEPs entrusted with a prominent function by an international organisation, it applies wherever the relationship or transaction carries higher risk.<\/p>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-4e725866\">\n<h3 class=\"wp-block-heading has-ast-global-color-3-color has-text-color has-link-color wp-elements-1\">UK PEPs. What&#8217;s changed?<\/h3>\n\n\n\n<p class=\"has-ast-global-color-6-color has-text-color has-link-color wp-elements-2 wp-block-paragraph\">It&#8217;s very important that you are aware of the exact requirements in your country. For example, if you&#8217;re regulated in the UK, the rules on domestic PEPs changed in 2024,\u00a0introducing the presumption that UK PEPs carry a lower starting risk than foreign PEPs. EDD must be carried out regardless but following the risk based approach. Read the full breakdown:\u00a0<a href=\"https:\/\/www.amlcc.com\/a-quick-guide-to-the-new-rules-on-uk-peps\/\">A quick guide to the new rules on UK PEPs<\/a><\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">How to identify a PEP<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The starting point is your customer due diligence (CDD) under FATF Recommendation 10, which requires you to identify the customer, verify their identity, and determine whether they&#8217;re acting on behalf of another person.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To identify PEPs effectively:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>use reliable screening tools that access databases across global lists, such as our\u00a0<a href=\"https:\/\/www.amlcc.com\/product-features\/pep-and-sanctions-checks\/\">PEP and Sanctions Checks<\/a>feature;<\/li>\n\n\n\n<li>ask the right questions at onboarding, for example whether the client holds any public office, or has family links to individuals who do;<\/li>\n\n\n\n<li>cross-check open sources such as company registries, news reports and government websites;<\/li>\n\n\n\n<li>document the rationale behind your decision, whether or not a client is classified as a PEP.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Remember that PEP status can change over time. The obligation continues after the client is onboarded, through&nbsp;<a href=\"https:\/\/www.amlcc.com\/how-to-evidence-ongoing-customer-due-diligence-cdd\/\">ongoing CDD<\/a>&nbsp;and monitoring.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What enhanced due diligence should include<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Enhanced due diligence means going beyond standard checks. Under FATF Recommendation 12, EDD in some form is mandatory whenever a client or&nbsp;<a href=\"https:\/\/www.amlcc.com\/whats-a-beneficial-owner\/\">beneficial owner<\/a>&nbsp;is a PEP, or a family member or close associate of one.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">During onboarding, your EDD should include:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Deeper verification of identity.\u00a0<\/strong>Confirm the client&#8217;s identity using independent and reliable sources. This might include verifying official appointments and positions through public registers.<\/li>\n\n\n\n<li><strong>Understanding the relationship and purpose.<\/strong>\u00a0Clarify why the PEP is engaging your services and assess whether it makes sense given their background and role.<\/li>\n\n\n\n<li><strong>Establishing source of wealth and source of funds.<\/strong>\u00a0This is one of the most scrutinised areas during inspections. Document how the client acquired their wealth (for example: inheritance, salary or business income) and where the specific funds for the transaction are\u00a0coming from. Supporting evidence might include asset sale contracts, payslips or bank statements.<\/li>\n\n\n\n<li><strong>Senior management approval.<\/strong>\u00a0FATF Recommendation 12 requires a senior manager to approve the relationship before it begins. Keep a record of who approved it, when and on what basis.<\/li>\n\n\n\n<li><strong>Enhanced ongoing monitoring.<\/strong>\u00a0Continue to monitor the relationship more closely, for example by reviewing transaction patterns, media coverage or changes in position.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Red flags to watch for<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.fatf-gafi.org\/en\/publications\/Fatfrecommendations\/Peps-r12-r22.html\">FATF&#8217;s guidance on PEPs<\/a>&nbsp;emphasises that PEPs are a high risk for&nbsp;<a href=\"https:\/\/www.amlcc.com\/whats-sanctions-evasion\/\">sanctions evasion<\/a>&nbsp;and cross-border money laundering, particularly where a&nbsp;transaction links to a&nbsp;<a href=\"https:\/\/www.amlcc.com\/whats-a-high-risk-jurisdiction-2\/\">high-risk jurisdiction<\/a>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Red flags for PEPs include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>unexplained or inconsistent wealth compared with known income;<\/li>\n\n\n\n<li>complex ownership structures or use of intermediaries;<\/li>\n\n\n\n<li>reluctance to provide source of wealth evidence;<\/li>\n\n\n\n<li>connections to high-risk jurisdictions or sanctioned entities;<\/li>\n\n\n\n<li>large or rapid fund transfers shortly after onboarding;<\/li>\n\n\n\n<li>adverse media suggesting corruption, bribery or political controversy.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Record-keeping and demonstrating compliance<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">FATF Recommendation 11 requires you to keep all due diligence and EDD records for at least five years after the business relationship ends. This includes copies of identification documents, internal approvals, risk assessments and evidence of ongoing monitoring.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When regulators review your AML framework, they&#8217;ll expect to see:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>documented risk assessments for each PEP;<\/li>\n\n\n\n<li>the reasoning behind your EDD measures;<\/li>\n\n\n\n<li>records of senior management approval;<\/li>\n\n\n\n<li>evidence that monitoring continues throughout the relationship.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Every PEP you onboard is an opportunity to show the strength of your AML framework. When your records clearly prove that enhanced due diligence was performed, approvals were obtained and risks were actively monitored, you protect your firm and the integrity of the financial system.<\/p>\n\n\n\n<div class=\"wp-block-uagb-info-box uagb-block-7e2f0fec uagb-infobox__content-wrap  uagb-infobox-icon-above-title uagb-infobox-image-valign-top has-ast-global-color-4-background-color\"><div class=\"uagb-ifb-content\"><div class=\"uagb-ifb-title-wrap\"><\/div><p class=\"uagb-ifb-desc\"><strong>Explore how AMLCC can help you mitigate the risks that PEPs bring and keep you 100% compliant<\/strong>.<\/p><div class=\"uagb-ifb-button-wrapper wp-block-button\"><a href=\"https:\/\/www.amlcc.com\/product-features\/training\/\" class=\"uagb-infobox-cta-link wp-block-button__link\" target=\"_self\" rel=\"noopener noreferrer\" onclick=\"return true;\"><span class=\"uagb-inline-editing\">Learn more<\/span><\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-container article-cta uag-hide-desktop uagb-block-f6be450a\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-69b8c097\"><h3 class=\"uagb-heading-text\">The one-stop AML solution<\/h3><\/div>\n\n\n\n<p class=\"has-ast-global-color-6-color has-text-color has-link-color wp-elements-3 wp-block-paragraph\" style=\"margin-top:0px;margin-bottom:0px;font-size:20px;line-height:1.3\">Educate your teams, improve efficiency and achieve AML compliance all in one place, using AMLCC.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-container-core-buttons-is-layout-2 wp-block-buttons-is-layout-flex\" style=\"justify-content: center;\">\n<div class=\"wp-block-button is-style-fill\"><a href=\"\" class=\"wp-block-button__link wp-element-button demo-secondary\" onclick=\"Calendly.initPopupWidget({url: 'https:\/\/calendly.com\/lisa-jco\/amlcc-demo?hide_gdpr_banner=1&#038;primary_color=ff4f5b'});return false;\">Book now<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uag-hide-desktop uagb-block-c5c14d25\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-a787415a\"><h3 class=\"uagb-heading-text\">We know AML<\/h3><\/div>\n\n\n\n<p class=\"has-ast-global-color-6-color has-text-color has-link-color wp-elements-4 wp-block-paragraph\" style=\"margin-top:0px;margin-bottom:0px;font-size:20px;line-height:1.3\">We\u2019re regulated professionals too. We know what you need to comply with the Regulations.<br><\/p>\n\n\n\n<div class=\"wp-block-uagb-icon-list uagb-block-cffcf54f\"><div class=\"uagb-icon-list__wrap\">\n<div class=\"wp-block-uagb-icon-list-child uagb-block-082e00ee\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">We\u2019re internationally recognised AML experts<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-ebce1a01\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">We work with most accountancy supervisors and the Law Society<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-352e4894\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">Bespoke AML consultancy available for all sectors<\/span><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-buttons uagb-buttons__outer-wrap uagb-btn__default-btn uagb-btn-tablet__default-btn uagb-btn-mobile__default-btn uagb-block-fc153394\"><div class=\"uagb-buttons__wrap uagb-buttons-layout-wrap \">\n<div class=\"wp-block-uagb-buttons-child uagb-buttons__outer-wrap uagb-block-79a4148c wp-block-button\"><div class=\"uagb-button__wrapper\"><a class=\"uagb-buttons-repeater wp-block-button__link\" aria-label=\"\" href=\"https:\/\/www.amlcc.com\/consult\/\" rel=\"follow noopener\" target=\"_self\" role=\"button\"><div class=\"uagb-button__link\">Find out more<\/div><\/a><\/div><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-99e38104\">\t\t\t\t<div class=\"wp-block-uagb-table-of-contents uagb-toc__align-left uagb-toc__columns-1  uagb-block-1daea5fd article-toc     \"\n\t\t\t\t\tdata-scroll= \"1\"\n\t\t\t\t\tdata-offset= \"30\"\n\t\t\t\t\tstyle=\"\"\n\t\t\t\t>\n\t\t\t\t<div class=\"uagb-toc__wrap\">\n\t\t\t\t\t\t<div class=\"uagb-toc__title\">\n\t\t\t\t\t\t\tJump to:\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uagb-toc__list-wrap \">\n\t\t\t\t\t\t<ol class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#what-fatf-requires\" class=\"uagb-toc-link__trigger\">What FATF requires<\/a><li class=\"uagb-toc__list\"><a href=\"#how-to-identify-a-pep\" class=\"uagb-toc-link__trigger\">How to identify a PEP<\/a><li class=\"uagb-toc__list\"><a href=\"#what-enhanced-due-diligence-should-include\" class=\"uagb-toc-link__trigger\">What enhanced due diligence should include<\/a><li class=\"uagb-toc__list\"><a href=\"#red-flags-to-watch-for\" class=\"uagb-toc-link__trigger\">Red flags to watch for<\/a><li class=\"uagb-toc__list\"><a href=\"#record-keeping-and-demonstrating-compliance\" class=\"uagb-toc-link__trigger\">Record-keeping and demonstrating compliance<\/a><\/ol>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\n\n\n<div class=\"wp-block-uagb-container article-cta uag-hide-tab uag-hide-mob uagb-block-9b41d3fe\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-28078d4a\"><h3 class=\"uagb-heading-text\">The one-stop AML solution<\/h3><\/div>\n\n\n\n<p class=\"has-ast-global-color-6-color has-text-color has-link-color wp-elements-5 wp-block-paragraph\" style=\"margin-top:0px;margin-bottom:0px;font-size:20px;line-height:1.3\">Educate your teams, improve efficiency and achieve AML compliance all in one place, using AMLCC. <\/p>\n\n\n\n<p class=\"has-ast-global-color-6-color has-text-color has-link-color wp-elements-6 wp-block-paragraph\" style=\"margin-top:0px;margin-bottom:0px;font-size:20px;line-height:1.3\">Talk to our experts about how we can help you secure your business.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-container-core-buttons-is-layout-2 wp-block-buttons-is-layout-flex\" style=\"justify-content: center;\">\n<div class=\"wp-block-button is-style-fill\"><a href=\"\" class=\"wp-block-button__link wp-element-button demo-secondary\" onclick=\"Calendly.initPopupWidget({url: 'https:\/\/calendly.com\/lisa-jco\/amlcc-demo?hide_gdpr_banner=1&#038;primary_color=ff4f5b'});return false;\">Book a demo<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"uagb-position__sticky wp-block-uagb-container uag-hide-tab uag-hide-mob uagb-block-353bcb12\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-45cdaeb7\"><h3 class=\"uagb-heading-text\">We know AML<\/h3><\/div>\n\n\n\n<p class=\"has-ast-global-color-6-color has-text-color has-link-color wp-elements-7 wp-block-paragraph\" style=\"margin-top:0px;margin-bottom:0px;font-size:20px;line-height:1.3\">We\u2019re regulated professionals too. We know what you need to comply with the Regulations.<br><\/p>\n\n\n\n<div class=\"wp-block-uagb-icon-list uagb-block-b41f0db0\"><div class=\"uagb-icon-list__wrap\">\n<div class=\"wp-block-uagb-icon-list-child uagb-block-333d0a11\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">We\u2019re internationally recognised AML experts<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-b485c460\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">We work with most accountancy supervisors and the Law Society<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-c0d2ec75\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">Bespoke AML consultancy available for all sectors<\/span><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-buttons uagb-buttons__outer-wrap uagb-btn__default-btn uagb-btn-tablet__default-btn uagb-btn-mobile__default-btn uagb-block-27986e97\"><div class=\"uagb-buttons__wrap uagb-buttons-layout-wrap \">\n<div class=\"wp-block-uagb-buttons-child uagb-buttons__outer-wrap uagb-block-5e096d1b wp-block-button\"><div class=\"uagb-button__wrapper\"><a class=\"uagb-buttons-repeater wp-block-button__link\" aria-label=\"\" href=\"https:\/\/www.amlcc.com\/consult\/\" rel=\"follow noopener\" target=\"_self\" role=\"button\"><div class=\"uagb-button__link\">Find out more<\/div><\/a><\/div><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-container half-blue-desktop uagb-block-89ea4904 alignfull uagb-is-root-container\">\n<div class=\"wp-block-uagb-container uagb-block-fdab8534\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-52a83ed5\"><h3 class=\"uagb-heading-text\">What others have said<\/h3><\/div>\n\n\n\n<div class=\"wp-block-uagb-slider amlcc-testimonial-slider uagb-block-6c68dd50 uagb-slider-container\"><div class=\"uagb-slides uagb-swiper\"><div class=\"swiper-wrapper\">\n<div class=\"wp-block-uagb-slider-child uagb-slider-child-wrap swiper-slide uagb-block-b998a2d4\"><div class=\"swiper-content\">\n<div class=\"wp-block-uagb-container uagb-block-04f3c45e\">\n<div class=\"wp-block-uagb-container uagb-block-02c01de1\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-b215507c\"><h3 class=\"uagb-heading-text\">&#8220;We had the man from the ICAEW here yesterday to carry out a QAD practice review. We got a clean bill of health \u2013 not a single action point\u2026That is in no small measure due to AMLCC so I just wanted to say \u2018thank you\u2019&#8221;<\/h3><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-949a56df\">\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"550\" height=\"812\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-1.jpg\" alt=\"\" class=\"wp-image-495\" style=\"aspect-ratio:3\/4;object-fit:contain;width:auto;height:382px\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-1.jpg 550w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-1-203x300.jpg 203w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-slider-child uagb-slider-child-wrap swiper-slide uagb-block-cc23ebfe\"><div class=\"swiper-content\">\n<div class=\"wp-block-uagb-container uagb-block-af8628f6\">\n<div class=\"wp-block-uagb-container uagb-block-9e1b5830\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-bdd14157\"><h3 class=\"uagb-heading-text\">&#8220;Thank you for such a perfect and informative [solution]. You have given me a clear direction for my AML training and CPD.&#8221;<br><\/h3><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-ef336e36\">\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"550\" height=\"786\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-2.jpg\" alt=\"\" class=\"wp-image-496\" style=\"aspect-ratio:3\/4;object-fit:contain;width:auto;height:382px\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-2.jpg 550w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-2-210x300.jpg 210w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-slider-child uagb-slider-child-wrap swiper-slide uagb-block-040a7367\"><div class=\"swiper-content\">\n<div class=\"wp-block-uagb-container uagb-block-3b2e0080\">\n<div class=\"wp-block-uagb-container uagb-block-64ce7dad\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-3d47ccc6\"><h3 class=\"uagb-heading-text\">&#8220;I just wanted to say \u2018thank you\u2019 to you, Richard, and all the team at AMLCC for providing a service that really does minimise the burden of AML compliance.&#8221;<br><\/h3><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-e1d755c8\">\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"550\" height=\"732\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-3.jpg\" alt=\"\" class=\"wp-image-494\" style=\"aspect-ratio:3\/4;object-fit:contain;width:auto;height:382px\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-3.jpg 550w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-3-225x300.jpg 225w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-slider-child uagb-slider-child-wrap swiper-slide uagb-block-403770d4\"><div class=\"swiper-content\">\n<div class=\"wp-block-uagb-container uagb-block-a0d5a66b\">\n<div class=\"wp-block-uagb-container uagb-block-a9b0dbd5\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-302585b3\"><h3 class=\"uagb-heading-text\">&#8220;What a refreshing pleasure working with a company who actually listens to the feedback from their customers and communicates with them!&#8221;<br><\/h3><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-64782dba\">\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"550\" height=\"732\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-4.jpg\" alt=\"\" class=\"wp-image-497\" style=\"aspect-ratio:3\/4;object-fit:contain;width:auto;height:382px\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-4.jpg 550w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-4-225x300.jpg 225w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-slider-child uagb-slider-child-wrap swiper-slide uagb-block-9b9b7e36\"><div class=\"swiper-content\">\n<div class=\"wp-block-uagb-container uagb-block-3a9f75d3\">\n<div class=\"wp-block-uagb-container uagb-block-aa8435c0\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-afe45a8b\"><h3 class=\"uagb-heading-text\">&#8220;Your team they have been excellent from the moment Fiona did a demo for me with only 15 minutes notice, and thoroughly going through the AMLCC product, answering the many questions I had! It was at this point at which I made up my mind this is the sort of business I want to work with for my AML.&#8221;<br><\/h3><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-8f4648c6\">\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"550\" height=\"798\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-5.jpg\" alt=\"\" class=\"wp-image-498\" style=\"aspect-ratio:3\/4;object-fit:contain;width:auto;height:382px\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-5.jpg 550w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-5-207x300.jpg 207w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div><div class=\"swiper-pagination\"><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-bd594624\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-deefd48d\"><h3 class=\"uagb-heading-text\">Making compliance easier<\/h3><\/div>\n\n\n\n<div class=\"wp-block-uagb-image aligncenter uagb-block-94cd8a56 wp-block-uagb-image--layout-default wp-block-uagb-image--effect-static wp-block-uagb-image--align-center\"><figure class=\"wp-block-uagb-image__figure\"><img decoding=\"async\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/image-22-1.png\" alt=\"AMLCC newsroom\" class=\"uag-image-1454\" width=\"700\" height=\"450\" title=\"image-22-1\" loading=\"lazy\" role=\"img\" \/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-uagb-buttons uagb-buttons__outer-wrap uagb-btn__default-btn uagb-btn-tablet__default-btn uagb-btn-mobile__default-btn uagb-block-d88e5ed5\"><div class=\"uagb-buttons__wrap uagb-buttons-layout-wrap \">\n<div class=\"wp-block-uagb-buttons-child uagb-buttons__outer-wrap uagb-block-762fbc5a wp-block-button\"><div class=\"uagb-button__wrapper\"><a class=\"uagb-buttons-repeater wp-block-button__link\" aria-label=\"\" href=\"\/press\/\" rel=\"follow noopener\" target=\"_self\" role=\"button\"><div class=\"uagb-button__link\">View more articles<\/div><\/a><\/div><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>A&nbsp;politically exposed person&nbsp;(PEP) is someone who holds, or has held, a prominent public position. Because PEPs have access to power, influence and public funds, they carry a higher&nbsp;inherent risk&nbsp;of money laundering, corruption and bribery. And so onboarding a PEP means applying some form of enhanced due diligence.&nbsp; FATF Recommendation 12 sets this out as a [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":10725,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"unboxed","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-10710","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How should PEPs be treated during onboarding? | FATF &amp; PEPs<\/title>\n<meta name=\"description\" content=\"A PEP is someone who holds a prominent public role. FATF requires enhanced due diligence when you onboard them, including senior management approval and monitoring.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.amlcc.com\/gd\/how-should-peps-be-treated-during-onboarding\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How should PEPs be treated during onboarding? | FATF &amp; PEPs\" \/>\n<meta property=\"og:description\" content=\"A PEP is someone who holds a prominent public role. FATF requires enhanced due diligence when you onboard them, including senior management approval and monitoring.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.amlcc.com\/gd\/how-should-peps-be-treated-during-onboarding\/\" \/>\n<meta property=\"og:site_name\" content=\"AMLCC\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-18T11:06:36+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-29T13:58:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/11\/pexels-tima-miroshnichenko-7009468-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Becs Preddle\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@amlcc_global\" \/>\n<meta name=\"twitter:site\" content=\"@amlcc_global\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Becs Preddle\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/how-should-peps-be-treated-during-onboarding\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/how-should-peps-be-treated-during-onboarding\\\/\"},\"author\":{\"name\":\"Becs Preddle\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/#\\\/schema\\\/person\\\/3b4671ec016b5042bd0f298536dd7e79\"},\"headline\":\"How should PEPs be treated during onboarding?\",\"datePublished\":\"2025-11-18T11:06:36+00:00\",\"dateModified\":\"2026-07-29T13:58:07+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/how-should-peps-be-treated-during-onboarding\\\/\"},\"wordCount\":1262,\"publisher\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/how-should-peps-be-treated-during-onboarding\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.amlcc.com\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/pexels-tima-miroshnichenko-7009468-scaled.jpg\",\"inLanguage\":\"en-GD\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/how-should-peps-be-treated-during-onboarding\\\/\",\"url\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/how-should-peps-be-treated-during-onboarding\\\/\",\"name\":\"How should PEPs be treated during onboarding? | FATF & PEPs\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/how-should-peps-be-treated-during-onboarding\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/how-should-peps-be-treated-during-onboarding\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.amlcc.com\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/pexels-tima-miroshnichenko-7009468-scaled.jpg\",\"datePublished\":\"2025-11-18T11:06:36+00:00\",\"dateModified\":\"2026-07-29T13:58:07+00:00\",\"description\":\"A PEP is someone who holds a prominent public role. FATF requires enhanced due diligence when you onboard them, including senior management approval and monitoring.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/how-should-peps-be-treated-during-onboarding\\\/#breadcrumb\"},\"inLanguage\":\"en-GD\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/how-should-peps-be-treated-during-onboarding\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GD\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/how-should-peps-be-treated-during-onboarding\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.amlcc.com\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/pexels-tima-miroshnichenko-7009468-scaled.jpg\",\"contentUrl\":\"https:\\\/\\\/www.amlcc.com\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/pexels-tima-miroshnichenko-7009468-scaled.jpg\",\"width\":2560,\"height\":1707,\"caption\":\"How should PEPs be treated during onboarding?\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/how-should-peps-be-treated-during-onboarding\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How should PEPs be treated during onboarding?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/#website\",\"url\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/\",\"name\":\"AMLCC\",\"description\":\"The single-platform solution for all your AML\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GD\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/#organization\",\"name\":\"AMLCC\",\"url\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GD\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.amlcc.com\\\/wp-content\\\/uploads\\\/2023\\\/11\\\/AMLCClogo-500.png\",\"contentUrl\":\"https:\\\/\\\/www.amlcc.com\\\/wp-content\\\/uploads\\\/2023\\\/11\\\/AMLCClogo-500.png\",\"width\":500,\"height\":146,\"caption\":\"AMLCC\"},\"image\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/x.com\\\/amlcc_global\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/amlcc-global\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/#\\\/schema\\\/person\\\/3b4671ec016b5042bd0f298536dd7e79\",\"name\":\"Becs Preddle\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How should PEPs be treated during onboarding? | FATF & PEPs","description":"A PEP is someone who holds a prominent public role. FATF requires enhanced due diligence when you onboard them, including senior management approval and monitoring.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.amlcc.com\/gd\/how-should-peps-be-treated-during-onboarding\/","og_locale":"en_US","og_type":"article","og_title":"How should PEPs be treated during onboarding? | FATF & PEPs","og_description":"A PEP is someone who holds a prominent public role. FATF requires enhanced due diligence when you onboard them, including senior management approval and monitoring.","og_url":"https:\/\/www.amlcc.com\/gd\/how-should-peps-be-treated-during-onboarding\/","og_site_name":"AMLCC","article_published_time":"2025-11-18T11:06:36+00:00","article_modified_time":"2026-07-29T13:58:07+00:00","og_image":[{"width":2560,"height":1707,"url":"https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/11\/pexels-tima-miroshnichenko-7009468-scaled.jpg","type":"image\/jpeg"}],"author":"Becs Preddle","twitter_card":"summary_large_image","twitter_creator":"@amlcc_global","twitter_site":"@amlcc_global","twitter_misc":{"Written by":"Becs Preddle","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.amlcc.com\/gd\/how-should-peps-be-treated-during-onboarding\/#article","isPartOf":{"@id":"https:\/\/www.amlcc.com\/gd\/how-should-peps-be-treated-during-onboarding\/"},"author":{"name":"Becs Preddle","@id":"https:\/\/www.amlcc.com\/gd\/#\/schema\/person\/3b4671ec016b5042bd0f298536dd7e79"},"headline":"How should PEPs be treated during onboarding?","datePublished":"2025-11-18T11:06:36+00:00","dateModified":"2026-07-29T13:58:07+00:00","mainEntityOfPage":{"@id":"https:\/\/www.amlcc.com\/gd\/how-should-peps-be-treated-during-onboarding\/"},"wordCount":1262,"publisher":{"@id":"https:\/\/www.amlcc.com\/gd\/#organization"},"image":{"@id":"https:\/\/www.amlcc.com\/gd\/how-should-peps-be-treated-during-onboarding\/#primaryimage"},"thumbnailUrl":"https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/11\/pexels-tima-miroshnichenko-7009468-scaled.jpg","inLanguage":"en-GD"},{"@type":"WebPage","@id":"https:\/\/www.amlcc.com\/gd\/how-should-peps-be-treated-during-onboarding\/","url":"https:\/\/www.amlcc.com\/gd\/how-should-peps-be-treated-during-onboarding\/","name":"How should PEPs be treated during onboarding? | FATF & PEPs","isPartOf":{"@id":"https:\/\/www.amlcc.com\/gd\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.amlcc.com\/gd\/how-should-peps-be-treated-during-onboarding\/#primaryimage"},"image":{"@id":"https:\/\/www.amlcc.com\/gd\/how-should-peps-be-treated-during-onboarding\/#primaryimage"},"thumbnailUrl":"https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/11\/pexels-tima-miroshnichenko-7009468-scaled.jpg","datePublished":"2025-11-18T11:06:36+00:00","dateModified":"2026-07-29T13:58:07+00:00","description":"A PEP is someone who holds a prominent public role. FATF requires enhanced due diligence when you onboard them, including senior management approval and monitoring.","breadcrumb":{"@id":"https:\/\/www.amlcc.com\/gd\/how-should-peps-be-treated-during-onboarding\/#breadcrumb"},"inLanguage":"en-GD","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.amlcc.com\/gd\/how-should-peps-be-treated-during-onboarding\/"]}]},{"@type":"ImageObject","inLanguage":"en-GD","@id":"https:\/\/www.amlcc.com\/gd\/how-should-peps-be-treated-during-onboarding\/#primaryimage","url":"https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/11\/pexels-tima-miroshnichenko-7009468-scaled.jpg","contentUrl":"https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/11\/pexels-tima-miroshnichenko-7009468-scaled.jpg","width":2560,"height":1707,"caption":"How should PEPs be treated during onboarding?"},{"@type":"BreadcrumbList","@id":"https:\/\/www.amlcc.com\/gd\/how-should-peps-be-treated-during-onboarding\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.amlcc.com\/gd\/"},{"@type":"ListItem","position":2,"name":"How should PEPs be treated during onboarding?"}]},{"@type":"WebSite","@id":"https:\/\/www.amlcc.com\/gd\/#website","url":"https:\/\/www.amlcc.com\/gd\/","name":"AMLCC","description":"The single-platform solution for all your AML","publisher":{"@id":"https:\/\/www.amlcc.com\/gd\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.amlcc.com\/gd\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GD"},{"@type":"Organization","@id":"https:\/\/www.amlcc.com\/gd\/#organization","name":"AMLCC","url":"https:\/\/www.amlcc.com\/gd\/","logo":{"@type":"ImageObject","inLanguage":"en-GD","@id":"https:\/\/www.amlcc.com\/gd\/#\/schema\/logo\/image\/","url":"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/AMLCClogo-500.png","contentUrl":"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/AMLCClogo-500.png","width":500,"height":146,"caption":"AMLCC"},"image":{"@id":"https:\/\/www.amlcc.com\/gd\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/x.com\/amlcc_global","https:\/\/www.linkedin.com\/company\/amlcc-global"]},{"@type":"Person","@id":"https:\/\/www.amlcc.com\/gd\/#\/schema\/person\/3b4671ec016b5042bd0f298536dd7e79","name":"Becs Preddle"}]}},"uagb_featured_image_src":{"full":["https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/11\/pexels-tima-miroshnichenko-7009468-scaled.jpg",2560,1707,false],"thumbnail":["https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/11\/pexels-tima-miroshnichenko-7009468-150x150.jpg",150,150,true],"medium":["https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/11\/pexels-tima-miroshnichenko-7009468-300x200.jpg",300,200,true],"medium_large":["https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/11\/pexels-tima-miroshnichenko-7009468-768x512.jpg",768,512,true],"large":["https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/11\/pexels-tima-miroshnichenko-7009468-1024x683.jpg",1024,683,true],"1536x1536":["https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/11\/pexels-tima-miroshnichenko-7009468-1536x1024.jpg",1536,1024,true],"2048x2048":["https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/11\/pexels-tima-miroshnichenko-7009468-2048x1365.jpg",2048,1365,true]},"uagb_author_info":{"display_name":"Becs Preddle","author_link":"https:\/\/www.amlcc.com\/gd\/author\/becskokopelli-london\/"},"uagb_comment_info":0,"uagb_excerpt":"A&nbsp;politically exposed person&nbsp;(PEP) is someone who holds, or has held, a prominent public position. Because PEPs have access to power, influence and public funds, they carry a higher&nbsp;inherent risk&nbsp;of money laundering, corruption and bribery. And so onboarding a PEP means applying some form of enhanced due diligence.&nbsp; FATF Recommendation 12 sets this out as a&hellip;","_links":{"self":[{"href":"https:\/\/www.amlcc.com\/gd\/wp-json\/wp\/v2\/posts\/10710","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.amlcc.com\/gd\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.amlcc.com\/gd\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.amlcc.com\/gd\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.amlcc.com\/gd\/wp-json\/wp\/v2\/comments?post=10710"}],"version-history":[{"count":0,"href":"https:\/\/www.amlcc.com\/gd\/wp-json\/wp\/v2\/posts\/10710\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.amlcc.com\/gd\/wp-json\/wp\/v2\/media\/10725"}],"wp:attachment":[{"href":"https:\/\/www.amlcc.com\/gd\/wp-json\/wp\/v2\/media?parent=10710"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.amlcc.com\/gd\/wp-json\/wp\/v2\/categories?post=10710"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.amlcc.com\/gd\/wp-json\/wp\/v2\/tags?post=10710"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}