Risikopersonen

Risikopersonen refers to individuals who are considered to have a higher likelihood of engaging in or being victims of certain illicit activities, such as money laundering, terrorist financing, or fraud. In the context of financial regulations and anti-money laundering (AML) and combating the financing of terrorism (CFT) frameworks, identifying and managing risks associated with these individuals is a critical component of compliance.

The designation of a risikoperson can arise from various factors. These may include their professional role, such as being a politically exposed person (PEP), a senior management position within a company, or an individual involved in industries deemed higher risk. It can also stem from their geographical location, their known business relationships, or their transaction patterns that deviate from typical behavior. Financial institutions and other regulated entities are typically required to establish robust procedures for identifying and assessing the risks posed by risikopersonen.

Once identified, risikopersonen are often subject to enhanced due diligence (EDD) measures. This can involve more rigorous customer identification and verification processes, ongoing monitoring of their transactions and activities, and a deeper understanding of the nature and purpose of their business relationships. The goal is to mitigate the potential for these individuals to be exploited for illicit purposes, thereby protecting the integrity of the financial system and preventing criminal activity. The specific criteria for identifying and the measures applied to risikopersonen can vary depending on the jurisdiction and the regulatory requirements in place.