To perform their obligations under Article 13(1) of Directive (EU) 2015/849, where the business relationship is initiated, established, or conducted in non-face-to-face situations or an occasional transaction is carried out in non-face-to-face situations in accordance with the EBA's Guidelines (EBA/GL/2022/15) on the use of Remote Customer Onboarding Solutions under Article 13(1) of Directive (EU) 2015/849, firms should:

a) take adequate measures to be satisfied that the customer is who he claims to be; and

b) assess whether the non-face to face nature of the relationship or occasional transaction gives rise to increased ML/TF risk and if so, adjust their CDD measures accordingly. When assessing the risk associated with non-face to face relationships, firms should have regard to the risk factors set out in Guideline 2.