Customer Risk Reviews vs Business Continuity

Shift to event-driven CDD reviews powered by continuous monitoring and external data feeds to avoid unnecessary customer disruption while maintaining AML compliance.

CyberTRIZ analysis · Banking contradiction AML014 · one of 8,235 worked contradictions published by CyberTRIZ.AI

Regulations

FATF EU_GDPR BCBS_239 COSO_ERM BE_NBB_GOVERNANCE_MANUAL_2022

Business Context

Periodic AML reviews often require customers to provide updated documentation, ownership information, and business details, potentially disrupting long-standing commercial relationships.

Banking TRIZ Resolution

Adopt event-driven reviews supported by external data sources and continuous monitoring so documentation is requested only when meaningful risk changes occur.

Recommended Banking TRIZ Principles

Principle 15 - Dynamics

Principle 23 - Feedback

Principle 35 - Parameter Changes

Principle 40 - Composite Materials

Expected Outcome

Reduced customer disruption

Better AML efficiency

Stronger customer relationships

Improved risk management

TRIZ principles applied

P15 DynamicsP23 FeedbackP35 Parameter ChangesP40 Composite Materials

Controls that address this (13)

FATF-AML-001 - Implement Risk-Based AML/CFT Approachoperational · critical priority · Implement a risk-based approach to AML/CFT covering: national risk assessment awareness, institutional risk assessment, risk-based allocatio FATF-CDD-001 - Implement FATF-Standard Customer Due Diligenceoperational · critical priority · Apply CDD measures to all customers: identify and verify customer identity, identify beneficial owners, understand the purpose of the busine FATF-R1-001 - Institutional AML/CFT Risk Assessmentgovernance · critical priority · Conduct a comprehensive institutional AML/CFT risk assessment covering: products and services, customer types, delivery channels, and geogra