klantacceptatie

Klantacceptatie is the process by which an organization evaluates whether to establish or continue a business relationship with a client. It combines identity verification, risk assessment, and regulatory compliance to ensure the client is legitimate and the relationship does not expose the organization to undue risk. In English contexts, this is often referred to as customer acceptance or customer onboarding, with Know Your Customer (KYC) and Anti-Money Laundering (AML) controls central to the process.

Key components include customer due diligence (CDD) and enhanced due diligence (EDD) for higher-risk clients; screening against sanctions, politically exposed persons (PEP) lists, and adverse-media checks; identity verification; and assessment of legal, financial, and reputational risk. The process also involves data protection considerations and adherence to privacy laws. Onboarding steps commonly cover information collection, risk scoring, approval by a designated authority, and the establishment of contractual terms and access controls. Ongoing monitoring and periodic reviews are required to detect changes in risk or status.

Applications span financial services and banking, but also extend to telecommunications, professional services, and B2B vendor relationships, where onboarding and ongoing due diligence help manage compliance and risk.

Governance includes clear policies, defined roles (compliance, risk management, front office), and records management. Challenges include regulatory variation, the cost of screening, false positives, and maintaining customer experience while ensuring compliance.