For customers: why AML information is requested

Relevant information

For an individual this means statutory identity information and identity verification. If you act for a company, the recipient also needs company details and your authority. A director is not automatically the beneficial owner. Foreign or layered ownership may require further documents identifying the ultimate individuals and explaining their influence.

Due diligence is another step. The recipient may need the purpose of the service, business activity or the origin of particular funds. Asking about savings used for a property purchase can be relevant; ask for clarification if all family transactions are requested without explanation. Evidence should reflect actual risk and statutory duties.

Declarations and verification

A form records your statements; the obliged entity must independently verify and assess them. It may therefore request follow-up evidence. A general consent does not replace the legal basis for statutory AML processing. Identity copies are not required identically for every procedure; ask which identification method will be used.

Different providers retain their own responsibility. Bank verification does not automatically transfer to an accountant or agent. Selected reliance is possible only under statutory conditions. This does not mean every supplier should receive one entire file regardless of purpose.

Secure delivery and corrections

Verify the data controller’s name, contact details and connection with your ordered service. Check unexpected links through a known contact. Use the agreed secure channel and send necessary parts with context. Do not send an archive password in the same message as the encrypted archive.

Correct inaccurate answers expressly. If ownership or representation changes, give the change date and relevant evidence. Simply replacing a file can destroy history. Data protection rights apply, but mandatory records cannot always be erased on request during their retention period.

When evidence cannot be provided

Explain the specific issue: missing documents, an unclear question or channel concerns. The recipient may offer a lawful alternative or clarify the scope. If it cannot complete statutory identification or due diligence, the Act may require refusal of the transaction or relationship. Confidentiality protects reporting and investigation, so not every internal step can necessarily be explained.