The following factors may contribute to increasing risk:

a) The payee is located in a jurisdiction associated with higher ML/TF risk and/or the product has been issued or receives funds from sources in such a jurisdiction. Firms should pay particular attention to jurisdictions known to provide funding or support for terrorist activities or where groups committing terrorist offences are known to be operating, and jurisdictions subject to financial sanctions, embargoes or measures that are related to terrorism, financing of terrorism or proliferation.