15.3

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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 II: Sector-specific Guidelines
Guideline 15: Sectoral guideline for investment firms (15.1-15.12)
Risk factors (15.3-15.8)
Product, service or transaction risk factors (15.3-15.4)
15.3

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Version date: 1 March 2021 - onwards

The following factors may contribute to increasing risk:

a) transactions are unusually large, in the context of the customer’s profile;

b) settlement arrangements that are non-standard or appear irregular;

c) mirror trades or transactions involving securities used for currency conversion that appear unusual or have no apparent business or economic purposes;

d) the product or service is structured in a way that may present difficulties in identifying the customers; third party payments are possible.

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