+4. Guidelines on the use of Remote Customer Onboarding Solutions under Article 13(1) of Directive (EU) 2015/849
---+4.1 Internal policies and procedures
------+9. Credit and financial institutions should put in place and maintain policies and procedures to …
------+10. The policies and procedures, when implemented, should enable credit and financial institutions …
------+11. In addition to the provisions set out in the Section 4.2.4 of the EBA Compliance Officer …
------+12. The management body of the credit and financial institution should approve remote customer …
------+13. When considering whether to adopt a new remote customer onboarding solution, credit and …
------+14. Credit and financial institutions should set out the scope, steps and record keeping …
------+15. Credit and financial institutions should consider the criteria in paragraph 14 (a) (d) and (e) …
------+16. Credit and financial institutions should be able to demonstrate to their competent authority …
------+17. Credit and financial institutions should start using a remote customer onboarding solution only …
------+18. Credit and financial institutions should monitor the remote customer onboarding solution on an …
------+19. Credit and financial institutions should set out in their procedures and processes remedial …
------+20. Credit and financial institutions should consider the most effective way to monitor the ongoing …
------+21. This section also applies where fully automated remote customer onboarding solutions are used …
------+22. Credit and financial institutions should be able to demonstrate to their competent authority …
---+4.2 Acquisition of information
------+23. In addition to the points set out in paragraph 9, credit and financial institutions should set …
------+24. Credit and financial institutions should ensure that: a) the information obtained through the …
------+25. Credit or financial institutions should consider the criteria in paragraph 24 to be met where …
------+26. The documents and information collected during the remote identification process, which are …
------+27. Credit and financial institutions should determine in their policies, as set out in Section …
------+28. Credit and financial institutions should put in place and maintain appropriate mechanisms to …
------+29. Where credit and financial institutions remotely onboard customers that are legal entities …
------+30. Credit and financial institutions should ensure that the remote customer onboarding solution …
------+31. For the natural person acting on behalf of a legal person, credit and financial institutions …
------+32. When credit and financial institutions assess and, as appropriate, obtain information on the …
---+4.3 Document authenticity & integrity
------+33. Where credit and financial institutions accept reproductions of an original document and do not …
------+34. Where credit and financial institutions use features to automatically read information from …
------+35. In situations where the device the customers use to prove their identity allows the collection …
------+36. Where available, during the verification process, credit and financial institutions should …
------+37. Credit and financial institutions should set out in their policies and procedures how they will …
---+4.4 Matching customer identity as part of the verification process
------+38. Remote customer onboarding solutions implemented by a credit and financial institutions should …
------+39. Where the remote customer onboarding solution involves the use of biometric data to verify the …
------+40. In situations where the evidence provided is of insufficient quality resulting in ambiguity or …
------+41. Where credit and financial institutions use unattended remote onboarding solutions, in which …
------+42. Where credit and financial institutions use attended remote customer onboarding solutions in …
------+43. Where possible, credit and financial institutions should use remote customer onboarding …
------+44. In addition to the above, and where commensurate with the ML/TF risk associated with the …
------+45. Credit and financial institutions should consider the criteria in paragraphs 38 to 43 to be met …
---+4.5 Reliance on third parties and outsourcing
------+46. In addition to the points set out in paragraph 9, credit and financial institutions should …
------+47. In addition to the EBA Risk Factors Guidelines , in particular to guidelines 2.20 to 2.21 and …
------+48. Where credit and financial institutions outsource all or parts of the remote customer …
------+49. Where the outsourced service provider stores customer data, including, but not limited to …
---+4.6 ICT and security risk management
------+50. Credit and financial institutions should identify and manage their ICT and security risks …
------+51. In addition to complying with requirements set out in the EBA Guidelines on ICT and security …
------+52. Credit and financial institutions should provide a secure access point for starting the remote …
------+53. Where a multi-purpose device is used to perform the remote customer onboarding process, a …
---+4.7 Compliance with these guidelines where credit and financial institutions use trust services and national identification processes as referred to in Article 13(1) (a) of Directive (EU) 2015/849
------+54. Credit and financial institutions may use relevant trust services and electronic identification …
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4. Guidelines on the use of Remote Customer Onboarding Solutions under Article 13(1) of Directive (EU) 2015/849
4. Guidelines on the use of Remote Customer Onboarding Solutions under Article 13(1) of Directive (EU) 2015/849
1. Overview
1.1 References
1.2 Identified Requirements
1.3 Related Standards
2. Identified Requirements
Requirements
| Source |
Requirement |
3. Related Standards
Standards
| Source |
Requirement |
- EBA - Published by the European Banking Authority at https://www.eba.europa.eu/
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