{"id":10869,"date":"2026-02-17T01:22:00","date_gmt":"2026-02-17T01:22:00","guid":{"rendered":"https:\/\/www.amlcc.com\/?p=10869"},"modified":"2026-02-12T13:23:05","modified_gmt":"2026-02-12T13:23:05","slug":"whats-a-high-risk-client","status":"publish","type":"post","link":"https:\/\/www.amlcc.com\/kn\/whats-a-high-risk-client\/","title":{"rendered":"What\u2019s a high-risk client?"},"content":{"rendered":"\n

What\u2019s a high-risk 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
\n
\n

A high-risk client is one where the risk of money laundering (ML), terrorist financing (TF) or proliferation financing (PF) is assessed as higher than normal under a firm\u2019s risk-based approach.<\/p>\n\n\n\n

This doesn\u2019t mean the client has done anything wrong. It means that, based on the information available, there are features of the client, their activity or their circumstances that increase exposure to financial crime risk and therefore require closer scrutiny.<\/p>\n\n\n\n

Under the UK Money Laundering Regulations 2017<\/a> (as amended) (MLRs), regulated businesses are expected to identify these risks, assess them proportionately and apply enhanced due diligence where required. The focus is always on understanding risk, not labelling people.<\/p>\n\n\n\n

Where the concept comes from<\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n

The idea of a \u201chigh-risk client\u201d comes directly from the risk-based approach<\/a> set by FATF<\/a> (the Financial Action Task Force), the global standard-setter for anti-money laundering (AML), counter-terrorist financing (CTF) and counter-proliferation financing (CPF).<\/p>\n\n\n\n

That approach is embedded into UK law through Regulation 18 of the MLRs, which requires firms to assess risk at a business, client and transaction level, and to adjust their controls accordingly.<\/p>\n\n\n\n

What can make a client high risk?<\/h2>\n\n\n\n

A client is assessed as high risk where one or more risk factors, taken together, increase exposure beyond what standard\u00a0due diligence<\/a>\u00a0is designed to manage. These factors usually fall into a few broad areas:<\/p>\n\n\n\n

Client type and profile<\/h3>\n\n\n\n

Some clients naturally present higher inherent risk because of who they are or how they operate. Common examples include politically exposed persons<\/a> (PEPs), high-net worth individuals, clients with complex ownership or control arrangements, clients acting through trusts, offshore entities or layered ownership structures<\/a>, and clients that accept cash payments.<\/p>\n\n\n\n

The risk comes from the increased opportunity for misuse, influence or concealment if things aren\u2019t properly understood.<\/p>\n\n\n\n

Geographic connections<\/h3>\n\n\n\n

Clients with links to high-risk jurisdictions often require closer attention. This includes being based in, receiving funds from or operating through countries identified by the UK government or\u00a0FATF\u00a0as having strategic AML, CTF or CPF\u00a0deficiencies.<\/p>\n\n\n\n

Nature of the work or transactions<\/h3>\n\n\n\n

Certain activities are more attractive for laundering funds because they allow money to be moved, structured or legitimised. Examples include handling client money, complex corporate work, property transactions, cross-border activity or arrangements with no obvious economic rationale. <\/p>\n\n\n\n

Where the work allows funds to pass through professional services, risk increases if the rationale isn\u2019t clear.<\/p>\n\n\n\n

Behavioural indicators<\/h2>\n\n\n\n

Risk can also arise from how a client behaves. Reluctance to provide information, vague explanations, frequent changes in instructions or inconsistencies between what a client says and what documents show can all affect risk assessments.<\/p>\n\n\n\n

These signals don\u2019t prove wrongdoing but they do indicate that more questioning is needed to understand what\u2019s really going on.<\/p>\n\n\n\n

How high-risk clients are treated under the regulations<\/h2>\n\n\n\n

When a client is assessed as high risk, the MLRs require enhanced due diligence<\/a> to be applied.<\/p>\n\n\n\n

Enhanced due diligence is not a single checklist. It\u2019s a set of measures that should be applied proportionately, to give you a deeper understanding of the client and their money. This often includes obtaining additional information, verifying it more robustly and applying closer ongoing monitoring.<\/p>\n\n\n\n

Regulation 33 of the MLRs sets out specific situations where enhanced due diligence is mandatory, such as PEP exposure or links to high-risk third countries. The level of enhancement should match the level of risk identified.<\/p>\n\n\n\n

High risk doesn\u2019t mean automatic refusal<\/strong><\/strong><\/strong><\/h2>\n\n\n\n

Many high-risk clients are legitimate and appropriate to act for. The requirement is to understand the risk, mitigate it and document how that was done.<\/p>\n\n\n\n

When supervisors review AML compliance, they\u2019re not just looking for completed checks. They\u2019re looking for evidence of reasoning.<\/p>\n\n\n\n

For high-risk clients, this means being able to show how risk factors were identified, how enhanced due diligence was applied and how decisions were reached. This applies equally where a decision is made to proceed or to decline the relationship.<\/p>\n\n\n\n

Clear documentation protects the firm. It shows that judgements were informed, proportionate and aligned with the regulatory framework.<\/p>\n\n\n\n

Final thoughts<\/strong><\/strong><\/strong><\/h2>\n\n\n\n

A high-risk client isn\u2019t a problem to avoid. It\u2019s a signal to slow down and understand the relationship more deeply.<\/p>\n\n\n\n

The UK AML framework is built on the idea that risk varies and that professionals can use a risk-based approach to address it. When high-risk clients are identified early, assessed properly and managed thoughtfully, they fit naturally within a compliant, risk-based approach.<\/p>\n\n\n\n

If your AML process helps you tell the real story behind a client, rather than just collect documents, you\u2019re applying the Regulations in the way they were intended.<\/p>\n\n\n\n

<\/p>\n\n\n\n

<\/div>

Explore how AMLCC’s features can keep your business completely compliant<\/strong><\/p>

Learn more<\/span><\/a><\/div><\/div><\/div>\n\n\n\n
\n

The one-stop AML solution<\/h3><\/div>\n\n\n\n

Educate your teams, improve efficiency and achieve AML compliance all in one place, using AMLCC.<\/p>\n\n\n\n

\n
Book now<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n
\n

We know AML<\/h3><\/div>\n\n\n\n

We\u2019re regulated professionals too. We know what you need to comply with the Regulations.
<\/p>\n\n\n\n

\n
<\/path><\/svg><\/span>We\u2019re internationally recognised AML experts<\/span><\/div>\n\n\n\n
<\/path><\/svg><\/span>We work with most accountancy supervisors and the Law Society<\/span><\/div>\n\n\n\n
<\/path><\/svg><\/span>Bespoke AML consultancy available for all sectors<\/span><\/div>\n<\/div><\/div>\n\n\n\n
\n
Find out more<\/div><\/a><\/div><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n
\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t
\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
\n\t\t\t\t\t\t
  1. Where the concept comes from<\/a>
  2. What can make a client high risk?<\/a>
  3. Behavioural indicators<\/a>
  4. How high-risk clients are treated under the regulations<\/a>
  5. High risk doesn\u2019t mean automatic refusal<\/a>
  6. Final thoughts<\/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
    \n

    The one-stop AML solution<\/h3><\/div>\n\n\n\n

    Educate your teams, improve efficiency and achieve AML compliance all in one place, using AMLCC. <\/p>\n\n\n\n

    Talk to our experts about how we can help you secure your business.<\/p>\n\n\n\n

    \n
    Book a demo<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n
    \n

    We know AML<\/h3><\/div>\n\n\n\n

    We\u2019re regulated professionals too. We know what you need to comply with the Regulations.
    <\/p>\n\n\n\n

    \n
    <\/path><\/svg><\/span>We\u2019re internationally recognised AML experts<\/span><\/div>\n\n\n\n
    <\/path><\/svg><\/span>We work with most accountancy supervisors and the Law Society<\/span><\/div>\n\n\n\n
    <\/path><\/svg><\/span>Bespoke AML consultancy available for all sectors<\/span><\/div>\n<\/div><\/div>\n\n\n\n
    \n
    Find out more<\/div><\/a><\/div><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n
    \n
    \n

    What others have said<\/h3><\/div>\n\n\n\n
    \n
    \n
    \n
    \n

    “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”<\/h3><\/div>\n<\/div>\n\n\n\n
    \n
    \"\"<\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n
    \n
    \n
    \n

    “Thank you for such a perfect and informative [solution]. You have given me a clear direction for my AML training and CPD.”
    <\/h3><\/div>\n<\/div>\n\n\n\n
    \n
    \"\"<\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n
    \n
    \n
    \n

    “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.”
    <\/h3><\/div>\n<\/div>\n\n\n\n
    \n
    \"\"<\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n
    \n
    \n
    \n

    “What a refreshing pleasure working with a company who actually listens to the feedback from their customers and communicates with them!”
    <\/h3><\/div>\n<\/div>\n\n\n\n
    \n
    \"\"<\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n
    \n
    \n
    \n

    “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.”
    <\/h3><\/div>\n<\/div>\n\n\n\n
    \n
    \"\"<\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div>
    <\/div><\/div>\n<\/div>\n\n\n\n
    \n

    Making compliance easier<\/h3><\/div>\n\n\n\n
    \"AMLCC<\/figure><\/div>\n\n\n\n
    \n
    View more articles<\/div><\/a><\/div><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

    A high-risk client is one where the risk of money laundering (ML), terrorist financing (TF) or proliferation financing (PF) is assessed as higher than normal under a firm\u2019s risk-based approach. This doesn\u2019t mean the client has done anything wrong. It means that, based on the information available, there are features of the client, their activity […]<\/p>\n","protected":false},"author":6,"featured_media":10871,"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-10869","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"\nWhat Is A High-Risk Client? | AML Risk Explained<\/title>\n<meta name=\"description\" content=\"A high-risk client is one where factors like geography, behaviour, ownership or activity might require EDD under UK AML regulations.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is A High-Risk Client? | AML Risk Explained\" \/>\n<meta property=\"og:description\" content=\"A high-risk client is one where factors like geography, behaviour, ownership or activity might require EDD under UK AML regulations.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.amlcc.com\/kn\/whats-a-high-risk-client\/\" \/>\n<meta property=\"og:site_name\" content=\"AMLCC\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-17T01:22:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/02\/pexels-olly-3932440-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=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/kn\\\/whats-a-high-risk-client\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/kn\\\/whats-a-high-risk-client\\\/\"},\"author\":{\"name\":\"Becs Preddle\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/kn\\\/#\\\/schema\\\/person\\\/3b4671ec016b5042bd0f298536dd7e79\"},\"headline\":\"What\u2019s a high-risk client?\",\"datePublished\":\"2026-02-17T01:22:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/kn\\\/whats-a-high-risk-client\\\/\"},\"wordCount\":1133,\"publisher\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/kn\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/kn\\\/whats-a-high-risk-client\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.amlcc.com\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/pexels-olly-3932440-scaled.jpg\",\"inLanguage\":\"en-KN\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/kn\\\/whats-a-high-risk-client\\\/\",\"url\":\"https:\\\/\\\/www.amlcc.com\\\/kn\\\/whats-a-high-risk-client\\\/\",\"name\":\"What Is A High-Risk Client? | AML Risk Explained\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/kn\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/kn\\\/whats-a-high-risk-client\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/kn\\\/whats-a-high-risk-client\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.amlcc.com\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/pexels-olly-3932440-scaled.jpg\",\"datePublished\":\"2026-02-17T01:22:00+00:00\",\"description\":\"A high-risk client is one where factors like geography, behaviour, ownership or activity might require EDD under UK AML regulations.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/kn\\\/whats-a-high-risk-client\\\/#breadcrumb\"},\"inLanguage\":\"en-KN\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.amlcc.com\\\/kn\\\/whats-a-high-risk-client\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-KN\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/kn\\\/whats-a-high-risk-client\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.amlcc.com\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/pexels-olly-3932440-scaled.jpg\",\"contentUrl\":\"https:\\\/\\\/www.amlcc.com\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/pexels-olly-3932440-scaled.jpg\",\"width\":2560,\"height\":1707,\"caption\":\"What\u2019s a high-risk client?\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/kn\\\/whats-a-high-risk-client\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.amlcc.com\\\/kn\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What\u2019s a high-risk client?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/kn\\\/#website\",\"url\":\"https:\\\/\\\/www.amlcc.com\\\/kn\\\/\",\"name\":\"AMLCC\",\"description\":\"The single-platform solution for all your AML\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/kn\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.amlcc.com\\\/kn\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-KN\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/kn\\\/#organization\",\"name\":\"AMLCC\",\"url\":\"https:\\\/\\\/www.amlcc.com\\\/kn\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-KN\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/kn\\\/#\\\/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\\\/kn\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/x.com\\\/amlcc_global\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/amlcc\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/kn\\\/#\\\/schema\\\/person\\\/3b4671ec016b5042bd0f298536dd7e79\",\"name\":\"Becs Preddle\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What Is A High-Risk Client? | AML Risk Explained","description":"A high-risk client is one where factors like geography, behaviour, ownership or activity might require EDD under UK AML regulations.","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"What Is A High-Risk Client? | AML Risk Explained","og_description":"A high-risk client is one where factors like geography, behaviour, ownership or activity might require EDD under UK AML regulations.","og_url":"https:\/\/www.amlcc.com\/kn\/whats-a-high-risk-client\/","og_site_name":"AMLCC","article_published_time":"2026-02-17T01:22:00+00:00","og_image":[{"width":2560,"height":1707,"url":"https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/02\/pexels-olly-3932440-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":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.amlcc.com\/kn\/whats-a-high-risk-client\/#article","isPartOf":{"@id":"https:\/\/www.amlcc.com\/kn\/whats-a-high-risk-client\/"},"author":{"name":"Becs Preddle","@id":"https:\/\/www.amlcc.com\/kn\/#\/schema\/person\/3b4671ec016b5042bd0f298536dd7e79"},"headline":"What\u2019s a high-risk client?","datePublished":"2026-02-17T01:22:00+00:00","mainEntityOfPage":{"@id":"https:\/\/www.amlcc.com\/kn\/whats-a-high-risk-client\/"},"wordCount":1133,"publisher":{"@id":"https:\/\/www.amlcc.com\/kn\/#organization"},"image":{"@id":"https:\/\/www.amlcc.com\/kn\/whats-a-high-risk-client\/#primaryimage"},"thumbnailUrl":"https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/02\/pexels-olly-3932440-scaled.jpg","inLanguage":"en-KN"},{"@type":"WebPage","@id":"https:\/\/www.amlcc.com\/kn\/whats-a-high-risk-client\/","url":"https:\/\/www.amlcc.com\/kn\/whats-a-high-risk-client\/","name":"What Is A High-Risk Client? | AML Risk Explained","isPartOf":{"@id":"https:\/\/www.amlcc.com\/kn\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.amlcc.com\/kn\/whats-a-high-risk-client\/#primaryimage"},"image":{"@id":"https:\/\/www.amlcc.com\/kn\/whats-a-high-risk-client\/#primaryimage"},"thumbnailUrl":"https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/02\/pexels-olly-3932440-scaled.jpg","datePublished":"2026-02-17T01:22:00+00:00","description":"A high-risk client is one where factors like geography, behaviour, ownership or activity might require EDD under UK AML regulations.","breadcrumb":{"@id":"https:\/\/www.amlcc.com\/kn\/whats-a-high-risk-client\/#breadcrumb"},"inLanguage":"en-KN","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.amlcc.com\/kn\/whats-a-high-risk-client\/"]}]},{"@type":"ImageObject","inLanguage":"en-KN","@id":"https:\/\/www.amlcc.com\/kn\/whats-a-high-risk-client\/#primaryimage","url":"https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/02\/pexels-olly-3932440-scaled.jpg","contentUrl":"https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/02\/pexels-olly-3932440-scaled.jpg","width":2560,"height":1707,"caption":"What\u2019s a high-risk client?"},{"@type":"BreadcrumbList","@id":"https:\/\/www.amlcc.com\/kn\/whats-a-high-risk-client\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.amlcc.com\/kn\/"},{"@type":"ListItem","position":2,"name":"What\u2019s a high-risk client?"}]},{"@type":"WebSite","@id":"https:\/\/www.amlcc.com\/kn\/#website","url":"https:\/\/www.amlcc.com\/kn\/","name":"AMLCC","description":"The single-platform solution for all your AML","publisher":{"@id":"https:\/\/www.amlcc.com\/kn\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.amlcc.com\/kn\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-KN"},{"@type":"Organization","@id":"https:\/\/www.amlcc.com\/kn\/#organization","name":"AMLCC","url":"https:\/\/www.amlcc.com\/kn\/","logo":{"@type":"ImageObject","inLanguage":"en-KN","@id":"https:\/\/www.amlcc.com\/kn\/#\/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\/kn\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/x.com\/amlcc_global","https:\/\/www.linkedin.com\/company\/amlcc"]},{"@type":"Person","@id":"https:\/\/www.amlcc.com\/kn\/#\/schema\/person\/3b4671ec016b5042bd0f298536dd7e79","name":"Becs Preddle"}]}},"uagb_featured_image_src":{"full":["https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/02\/pexels-olly-3932440-scaled.jpg",2560,1707,false],"thumbnail":["https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/02\/pexels-olly-3932440-150x150.jpg",150,150,true],"medium":["https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/02\/pexels-olly-3932440-300x200.jpg",300,200,true],"medium_large":["https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/02\/pexels-olly-3932440-768x512.jpg",768,512,true],"large":["https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/02\/pexels-olly-3932440-1024x683.jpg",1024,683,true],"1536x1536":["https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/02\/pexels-olly-3932440-1536x1024.jpg",1536,1024,true],"2048x2048":["https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/02\/pexels-olly-3932440-2048x1366.jpg",2048,1366,true]},"uagb_author_info":{"display_name":"Becs Preddle","author_link":"https:\/\/www.amlcc.com\/kn\/author\/becskokopelli-london\/"},"uagb_comment_info":0,"uagb_excerpt":"A high-risk client is one where the risk of money laundering (ML), terrorist financing (TF) or proliferation financing (PF) is assessed as higher than normal under a firm\u2019s risk-based approach. This doesn\u2019t mean the client has done anything wrong. It means that, based on the information available, there are features of the client, their activity…","_links":{"self":[{"href":"https:\/\/www.amlcc.com\/kn\/wp-json\/wp\/v2\/posts\/10869","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.amlcc.com\/kn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.amlcc.com\/kn\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.amlcc.com\/kn\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.amlcc.com\/kn\/wp-json\/wp\/v2\/comments?post=10869"}],"version-history":[{"count":0,"href":"https:\/\/www.amlcc.com\/kn\/wp-json\/wp\/v2\/posts\/10869\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.amlcc.com\/kn\/wp-json\/wp\/v2\/media\/10871"}],"wp:attachment":[{"href":"https:\/\/www.amlcc.com\/kn\/wp-json\/wp\/v2\/media?parent=10869"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.amlcc.com\/kn\/wp-json\/wp\/v2\/categories?post=10869"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.amlcc.com\/kn\/wp-json\/wp\/v2\/tags?post=10869"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}