Category: AML Fundamentals

Topic TypeCategory pagePrimary UseTopic discovery and wiki navigationScopeJurisdiction-neutral public referenceLast Reviewed2026

Core AML/KYC/KYB concepts and risk factors.

Pages in This Category#

Core ConceptsThe agent should allocate effort based on identified risk. Higher risk requires enhanced measures. Lower risk may allow simplified measures only where implementation policies and risk assessment permit it.
CDD / KYCGlossary: CDD · CDD/KYC is the process by which Tom Custos identifies the customer, verifies identity, identifies beneficial owners, understands the purpose of the relationship and checks whether activity stays consistent with the customer...
Enhanced Due DiligenceEDD is a deeper review used when the customer, transaction, geography, product, delivery channel or screening result creates higher ML/TF/PF risk.
Beneficial OwnershipGlossary: Beneficial Ownership · Beneficial ownership means identifying the natural person or persons who ultimately own, control or benefit from a legal person or legal arrangement.
PEPGlossary: PEP · A PEP is a person entrusted with a prominent public function, or a relevant family member or close associate, whose position may create corruption, bribery or influence-risk exposure.
Sanctions / TFS / CPFGlossary: TFS · Sanctions screening checks whether a customer, counterparty, UBO, controller, asset, vessel, wallet, product, geography or transaction is connected to a designated person, prohibited activity or sanctions evasion risk.
Adverse MediaGlossary: Adverse Media · Adverse media is negative public-source information that may indicate ML/TF/PF, sanctions, fraud, corruption, organised crime, regulatory enforcement or other financial crime risk.
STR / SAR & Tipping-OffGlossary: STR / SAR · STR/SAR concepts, unusual-versus-suspicious boundaries, tipping-off controls and internal escalation framing for AML/KYC/KYB review.
Red Flags LibraryThis library gives Tom Custos practical indicators that should increase risk, trigger EDD or support MLRO escalation. Red flags are not proof of wrongdoing. They are prompts for deeper review.

See Also#

References#

Tom Custos AML Knowledge BaseEncyclopedic ReferenceDownload source .md
Open-source AML/KYC/KYB learning and operations wiki for AML analysts, compliance teams, regulated businesses, local AML agents and RAG systems.