{"id":10754,"date":"2025-12-25T01:10:00","date_gmt":"2025-12-25T01:10:00","guid":{"rendered":"https:\/\/www.amlcc.com\/?p=10754"},"modified":"2025-12-18T13:22:10","modified_gmt":"2025-12-18T13:22:10","slug":"what-is-standard-due-diligence","status":"publish","type":"post","link":"https:\/\/www.amlcc.com\/vc\/what-is-standard-due-diligence\/","title":{"rendered":"What is standard due diligence?"},"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\">What is standard due diligence?<\/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 style=\"aspect-ratio:16\/9;height:480px\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1707\" height=\"2560\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-sora-shimazaki-5668879-scaled.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"What is standard due diligence?\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-sora-shimazaki-5668879-scaled.jpg 1707w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-sora-shimazaki-5668879-200x300.jpg 200w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-sora-shimazaki-5668879-683x1024.jpg 683w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-sora-shimazaki-5668879-768x1152.jpg 768w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-sora-shimazaki-5668879-1024x1536.jpg 1024w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-sora-shimazaki-5668879-1365x2048.jpg 1365w\" sizes=\"auto, (max-width: 1707px) 100vw, 1707px\" \/><\/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\">The term \u2018standard due diligence\u2019 is not used in the UK Money Laundering Regulations 2017 (as amended) or other AML legislation. The regulations refer instead to \u201ccustomer due diligence\u201d (CDD), which must be applied on a risk\u2011sensitive basis, rather than creating a separate legal category called \u201cstandard due diligence\u201d.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sector guidance, including <a href=\"https:\/\/www.sra.org.uk\/solicitors\/resources\/money-laundering\/guidance-support\">LSAG<\/a> for legal, <a href=\"https:\/\/www.ccab.org.uk\/wp-content\/uploads\/2023\/08\/AMLGAS-update-June-2023-APPROVED.pdf\">AMLGAS<\/a> for accountancy and <a href=\"https:\/\/www.gov.uk\/government\/publications\/money-laundering-regulations-2007-supervision-of-estate-agency-businesses\">HMRC\u2019s guidance for estate and letting agency businesses<\/a>, uses \u201cstandard\u201d or \u201cnormal\u201d due diligence as shorthand for the level of CDD you apply where the overall risk is neither clearly low (when simplified due diligence may be appropriate) nor clearly high (when enhanced due diligence is needed). In this article, \u201cstandard due diligence\u201d is used in that informal sense only.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Standard due diligence applies when a business relationship or transaction presents a normal level of risk and should give you a reliable understanding of who your client is, what they do and why they need your services.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Deciding whether to apply simplified, standard or <a href=\"https:\/\/www.amlcc.com\/what-is-enhanced-due-diligence\/\">enhanced due diligence<\/a> is part of taking a risk\u2011based approach. You assess the client and the context first, then apply the level of due diligence that matches the risk.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong>When standard due diligence applies<\/strong><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For legal, accountancy and property businesses, and for high\u2011value dealers, Regulation 27 of the MLRs sets out when you must apply customer due diligence measures. Where the risk is assessed as normal, these are the circumstances in which standard due diligence will usually apply. When you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>establish a business relationship;<\/li>\n\n\n\n<li>carry out an occasional transaction that amounts to a transfer of funds within the meaning of Article 3.9 of the funds transfer regulation exceeding 1,000 euros;<\/li>\n\n\n\n<li>suspect <a href=\"https:\/\/www.amlcc.com\/what-is-money-laundering\/\">money laundering<\/a> (ML), <a href=\"https:\/\/www.amlcc.com\/what-is-terrorist-financing\/\">terrorist financing<\/a> (TF) or <a href=\"https:\/\/www.amlcc.com\/what-is-proliferation-financing\/\">proliferation financing<\/a> (PF); or<\/li>\n\n\n\n<li>doubt the veracity or adequacy of documents or information previously obtained for the purposes of identification or verification.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>high\u2011value dealer<\/strong> must also apply customer due diligence measures if they carry out an occasional transaction in cash that amounts to 10,000 euros or more, whether in a single operation or in several operations which appear to be linked.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>letting agent<\/strong> must apply customer due diligence in relation to any transaction that consists of the conclusion of an agreement for the letting of land for a term of a month or more, at a rent which during at least part of the term is, or is equivalent to, a monthly rent of 10,000 euros or more. This applies to both the person by whom the land is being let and the person who is renting the land.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The latest <a href=\"https:\/\/assets.publishing.service.gov.uk\/media\/6877be59760bf6cedaf5bd4f\/National_Risk_Assessment_of_Money_Laundering_and_Terrorist_Financing_2025_FINAL.pdf\">National Risk Assessment of Money Laundering and Terrorist Financing 2025<\/a> (NRA) reinforces that weak or incomplete due diligence is one of the most common compliance failings across all professional sectors, especially in accountancy, legal and property firms. Strengthening your standard due diligence is therefore a practical step in reducing exposure across your client base.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-family: ITCAvantGardePro-Bold, Arial; font-size: 1.636364rem; font-weight: 700; letter-spacing: 0px;\"><strong>What standard due diligence involves<\/strong><\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Standard due diligence has three core elements, which flow from the CDD requirements in Regulation 28. Even at the standard level, each element must be completed and recorded properly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. Identifying and verifying the client<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You must establish who your client is and verify that identity using reliable and independent sources. The level of verification should be proportionate to the risks you have identified.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Individuals:<\/strong> photographic ID, proof of address and independent verification (for example electronic checks or corroborating information from trusted sources).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Companies:<\/strong> incorporation records, information about ownership and control (including directors and people with significant control) and verification of the person who is actually instructing you.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Trusts or other structures:<\/strong> details of trustees, settlors, beneficiaries and anyone exercising control, supported by the trust deed or equivalent documentation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The verification must be sufficient to give you confidence that the client is genuine and that the information you hold is consistent with the risks you have identified.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Technology can help, but the NRA warns that criminals increasingly use AI\u2011generated fake IDs, synthetic identities and deepfake calls to bypass superficial checks. To manage these risks in practice, it is sensible to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>use more than one source of evidence, rather than relying on a single document or data provider;<\/li>\n\n\n\n<li>build in a \u201cgenuine presence\u201d check for higher\u2011risk or non\u2011face\u2011to\u2011face clients (for example a live video call or liveness check);<\/li>\n\n\n\n<li>sanity\u2011check key details against open\u2011source information and, where relevant, independent third\u2011party records;<\/li>\n\n\n\n<li>keep a short record of the steps taken and why they were sufficient in light of the risks.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. Identifying beneficial owners<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If your client is not a natural person, you must identify the ultimate beneficial owners (UBOs) who control or benefit from the entity and take reasonable steps to verify them. This is not limited to a simple \u201cmore than 25 percent\u201d ownership test.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For most corporate clients, beneficial owners will include individuals who directly or indirectly own or control more than 25 percent of the shares or voting rights, but also those who otherwise exercise significant influence or control \u2013 for example, someone who can appoint or remove the majority of the board, who has veto rights over key decisions or who is clearly the controlling mind of the business even with a smaller shareholding.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For partnerships and other unincorporated businesses, you should look at who is ultimately entitled to or controls a significant share of capital, profits or voting rights, and who in practice directs the business. For trusts and similar arrangements, the settlor, trustees, beneficiaries (or class of beneficiaries) and anyone who has control over how assets are used will normally be treated as beneficial owners.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You must take reasonable steps to verify each beneficial owner and understand how they fit into the ownership and control structure. This might involve using corporate registries and registers of people with significant control, reviewing structure charts and asking targeted questions about decision\u2011making and voting arrangements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Where no individual meets the \u201cmore than 25 percent\u201d test, you should still identify and record the senior person or people who ultimately control the client and explain briefly why you reached that conclusion.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. Understanding the purpose and nature of the relationship<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To complete standard due diligence, you must understand the purpose and intended nature of the business relationship or transaction. In practice, that means understanding:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>why the client is using your services;<\/li>\n\n\n\n<li>how their business operates;<\/li>\n\n\n\n<li>whether the relationship or transaction makes commercial and financial sense; and<\/li>\n\n\n\n<li>how the client expects to fund the work or transaction.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This part of standard due diligence is where many firms fall short. The NRA highlights that criminals exploit weak understanding of client activity, vague explanations of source of funds and inconsistencies that go unchallenged. You should avoid relying on generic statements such as \u201cprivate funds\u201d or \u201cfamily money\u201d without obtaining proportionate evidence, and you should resolve any inconsistencies between what the client tells you and what you see in documents or open sources.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>When standard due diligence becomes enhanced<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Under the risk\u2011based approach, standard due diligence must be strengthened when the level of risk increases. Regulation 33 of the MLRs requires you to apply enhanced due diligence in situations where, for example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>you discover the client has provided false or stolen identification documentation or information;<\/li>\n\n\n\n<li>there is a high risk of ML, TF or PF;<\/li>\n\n\n\n<li>transactions with the client have no apparent economic or legal purpose;<\/li>\n\n\n\n<li>transactions with, or made by, the client are complex, unusually large or show an unusual pattern;<\/li>\n\n\n\n<li>the client or beneficial owner is a <a href=\"https:\/\/www.amlcc.com\/whats-a-pep\/\">Politically Exposed Person<\/a> (PEP), a known close associate of a PEP or a family member of a PEP;<\/li>\n\n\n\n<li>any of the parties is established in a high\u2011risk third country; or<\/li>\n\n\n\n<li>your client risk assessment or information from your AML supervisor indicates that the client is high risk.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">You may start from standard due diligence and then move to enhanced due diligence if new information, behaviour or transaction patterns change the risk profile.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Consequences of weak standard due diligence<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The consequences of poor standard due diligence can be serious for both firms and individuals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Regulatory and supervisory action<\/strong> \u2013 including fines, remedial directions, restrictions on activities and, in serious cases, loss of authorisation or registration.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Criminal liability <\/strong>\u2013 under the Proceeds of Crime Act and the MLRs where you know or suspect that criminal property is involved, fail to make a required report or tip off a client.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Civil claims<\/strong> \u2013 from clients or others who suffer loss where your failure to carry out adequate due diligence contributed to the wrongdoing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Reputational damage<\/strong> \u2013 including negative media coverage, loss of client and referrer confidence and increased scrutiny from supervisors and insurers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In many enforcement cases, the problem is not an exotic high\u2011risk structure but ordinary work where standard due diligence was incomplete, poorly evidenced or not kept up to date.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Common weaknesses in standard due diligence<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Supervisors repeatedly flag the same issues across accountancy, legal and property firms. These weaknesses almost always relate to standard due diligence rather than the more formal enhanced due diligence cases.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Relying on incomplete identity checks<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Firms often verify documents but fail to verify the person behind them, despite rising <a href=\"https:\/\/www.amlcc.com\/spotting-fake-ids-in-online-aml-checks\/\">fake ID<\/a> risks, such as synthetic identity fraud and AI\u2011generated impersonation attempts highlighted in the NRA. Checks that stop at \u201cpassport on file\u201d without asking whether the document is genuine, current and linked to the person instructing you are unlikely to be sufficient.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Accepting vague or untested explanations<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Generic statements about \u201cprivate funds\u201d, \u201cconsultancy income\u201d or \u201cfamily money\u201d require verification. The NRA shows that criminals rely on professionals accepting stories without evidence, so you should obtain proportionate documentation to back up what you are told and record what you have seen.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Treating templates as compliance<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Risk assessments and standard due diligence records must reflect the actual client and matter. Templates and checklists are useful prompts but do not, on their own, demonstrate compliance if the content is thin, inconsistent or clearly not tailored to the engagement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Not linking standard due diligence and ongoing monitoring<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Standard due diligence must be refreshed if the client\u2019s behaviour, ownership or transaction pattern changes. Many firms complete onboarding but fail to update files later, which supervisors consistently view as a breach of the requirement to carry out ongoing monitoring of business relationships.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The role of the risk-based approach in standard due diligence<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Standard due diligence is only meaningful when driven by a well\u2011designed client risk assessment. You cannot apply standard due diligence safely if you do not understand the main risks your firm faces, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the risks within your client base;<\/li>\n\n\n\n<li>the jurisdictions involved;<\/li>\n\n\n\n<li>the services you provide;<\/li>\n\n\n\n<li>the delivery channels you use; and<\/li>\n\n\n\n<li>your exposure to fraud, sanctions evasion, cryptoassets and other emerging technologies.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The NRA places significant weight on risk\u2011based decision\u2011making and highlights the need for firms to update their business\u2011wide risk assessment in line with emerging threats such as AI\u2011enabled fraud, cryptoassets and cross\u2011border risks. Your approach to standard due diligence should evolve alongside that assessment.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Final thoughts<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Standard due diligence is the backbone of AML compliance. It is the everyday discipline that protects your firm long before a high\u2011risk client walks through the door.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Getting standard due diligence right means understanding your client, verifying information independently, documenting the rationale behind your decisions and updating your view as the relationship develops. Doing this well makes it easier to explain and defend your approach to supervisors and helps your firm stay ahead of evolving risks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/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&#8217;s features can keep your business completely AML 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-ebdcd75c82448b1b24200aa26878c3fb 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-b9d9651e7d805b3930e06c1a2fdeee6c 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=\"#when-standard-due-diligence-applies\" class=\"uagb-toc-link__trigger\">When standard due diligence applies<\/a><li class=\"uagb-toc__list\"><a href=\"#when-standard-due-diligence-becomes-enhanced\" class=\"uagb-toc-link__trigger\">When standard due diligence becomes enhanced<\/a><li class=\"uagb-toc__list\"><a href=\"#consequences-of-weak-standard-due-diligence\" class=\"uagb-toc-link__trigger\">Consequences of weak standard due diligence<\/a><li class=\"uagb-toc__list\"><a href=\"#common-weaknesses-in-standard-due-diligence\" class=\"uagb-toc-link__trigger\">Common weaknesses in standard due diligence<\/a><li class=\"uagb-toc__list\"><a href=\"#the-role-of-the-risk-based-approach-in-standard-due-diligence\" class=\"uagb-toc-link__trigger\">The role of the risk-based approach in standard due diligence<\/a><li class=\"uagb-toc__list\"><a href=\"#final-thoughts\" class=\"uagb-toc-link__trigger\">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<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-5d272eb52ee2429e4d9aca3147f023ba 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-1d59a108b13f9b62392e8e9a08c592ee 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-b9d9651e7d805b3930e06c1a2fdeee6c 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\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/image-22-1.png ,https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/image-22-1.png 780w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/image-22-1.png 360w\" sizes=\"auto, (max-width: 480px) 150px\" 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>The term \u2018standard due diligence\u2019 is not used in the UK Money Laundering Regulations 2017 (as amended) or other AML legislation. The regulations refer instead to \u201ccustomer due diligence\u201d (CDD), which must be applied on a risk\u2011sensitive basis, rather than creating a separate legal category called \u201cstandard due diligence\u201d. Sector guidance, including LSAG for legal, [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":10757,"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-10754","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Is Standard Due Diligence? 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