Verification · Enhanced due diligence
Why can enhanced due diligence involve more questions?
Enhanced due diligence is used when money-laundering or terrorist-financing risk is higher. Depending on the circumstances, an operator may ask for more information, look more closely at transactions or monitor the relationship more closely.
The checks depend on the risk
Scope: The detailed Money Laundering Regulations duties and Gambling Commission casino AML guidance apply to remote and non-remote casinos. Other British gambling operators still have wider AML and proceeds-of-crime responsibilities, but the rules are not identical.
Levels of checking
What changes when a case is higher risk
Simplified
Lower-risk treatment is available only where the law allows it and the operator can justify using it.
Standard due diligence
The operator carries out the usual customer checks required for the relationship.
Enhanced due diligence
Higher-risk cases can require extra information, closer scrutiny and stronger ongoing monitoring.
When it can arise
Situations that can lead to enhanced checks
This is not a universal trigger list. The operator still has to assess the risk in the individual case.
Higher money-laundering risk
The operator's assessment identifies a higher risk of money laundering or terrorist financing.
Higher-risk country connection
Specified relationships involving higher-risk third countries can carry additional legal requirements.
PEP relationship
Politically exposed persons and certain connected people can require enhanced measures.
False or stolen identification
Suspected false or stolen identity documents can lead to further checks.
Unusual activity
Complex, unusually large or economically unclear transactions may need closer examination.
Another higher-risk case
An operator may identify another circumstance that it can justify treating as higher risk.
What they may ask for
Extra checks can take several forms
More information about you
This can include occupation, business interests or other context relevant to the risk being assessed.
Source of funds or wealth
The operator may need to understand where particular funds came from, how wider wealth was built, or both.
An explanation of activity
You may be asked about transactions or account behaviour that is unusual or unclear.
Senior approval
Some higher-risk relationships require approval at a senior level before they continue.
Closer monitoring
The operator may review the relationship more closely over time rather than treating the check as a one-off event.