3.3

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Final Report - Guidelines EBA/2021/02 on customer due diligence and the factors credit and financial institutions should consider when assessing the money laundering and terrorist financing risk associated with individual business relationships and occasional transactions ('The ML/TF Risk Factors Guidelines') under Directive (EU) 2015/849 (EBA/GL/2021/02) (updated 30 December 2024)
Guidelines
Title I: General Guidelines
Guideline 3: Assessing ML/TF risk (3.1-3.9)
Taking a holistic view (3.2-3.3)
3.3

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Version date: 1 March 2021 - onwards

Firms should note that, unless Directive (EU) 2015/849 or national legislation states otherwise, the presence of isolated risk factors does not necessarily move a relationship into a higher or lower risk category.

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