Financial Inclusion vs AML Risk
Apply FATF's risk-based approach by segmenting customers into tiers and calibrating CDD intensity to actual money-laundering risk.
CyberTRIZ analysis · Regulatory contradiction R133 · one of 8,235 worked contradictions published by CyberTRIZ.AI
Regulations
Contradiction
Resolution
Classify customers according to risk and apply proportionate due diligence instead of identical controls for every customer.
Evidence
Customer Risk Ratings
CDD Files
Risk Methodology
Kpis
High-risk customers reviewed
Enhanced due diligence completed
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 allocatioFATF-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 busineFATF-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