4.1

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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 4: CDD measures to be applied by all firms (4.1-4.78)
4.1

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Version date: 1 March 2021 - onwards

A firm’s business-wide and individual risk assessments should help it identify where it should focus its ML/TF risk management efforts, both at customer take-on and for the duration of the business relationship.

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