Free Finance Template
Customer due diligence for [account type]
Use this template to customer due diligence for [account type].
| Field | Details |
|---|---|
| Category | Finance |
| Owner | [Team or owner] |
| Version | [Version number] |
| Effective Date | [Date] |
| Review Cycle | [Monthly / Quarterly / Annual / Event-based] |
| Status | [Draft / In Review / Approved] |
Detail the documents and information required for identity verification. Use a table listing document types, acceptable forms, and verification methods for both individuals and entities.
| Item | Details | Owner | Status |
|---|---|---|---|
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
[Add context, assumptions, exceptions, evidence links, screenshots, calculations, or reviewer comments.]
Define the risk categories (low, medium, high, prohibited) and the factors that determine each score. Use a table mapping risk factors to point values and thresholds.
| Item | Details | Owner | Status |
|---|---|---|---|
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
[Add context, assumptions, exceptions, evidence links, screenshots, calculations, or reviewer comments.]
List the specific conditions that trigger EDD, such as PEP status, high-risk jurisdictions, unusual transaction patterns, and adverse media hits.
| Item | Details | Owner | Status |
|---|---|---|---|
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
[Add context, assumptions, exceptions, evidence links, screenshots, calculations, or reviewer comments.]
Describe the continuous monitoring requirements including transaction monitoring thresholds, periodic review schedules, and trigger events for re-assessment.
| Item | Details | Owner | Status |
|---|---|---|---|
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
[Add context, assumptions, exceptions, evidence links, screenshots, calculations, or reviewer comments.]
Document the criteria for filing Suspicious Activity Reports, including red flags, escalation procedures, timelines, and record-keeping requirements. Use tables extensively. Reference applicable regulations (BSA, USA.
| Item | Details | Owner | Status |
|---|---|---|---|
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
[Add context, assumptions, exceptions, evidence links, screenshots, calculations, or reviewer comments.]
Document review conclusions, approvals, unresolved items, and next review date.
| Role | Name | Date | Notes |
|---|---|---|---|
| Preparer | [Name] | [Date] | [Notes] |
| Reviewer | [Name] | [Date] | [Notes] |
| Approver | [Name] | [Date] | [Notes] |
Template Structure
Use this finance template as a starting point, then customize each section to match your internal workflow, evidence, and signoff needs.
Detail the documents and information required for identity verification. Use a table listing document types, acceptable forms, and verification methods for both individuals and entities.
Define the risk categories (low, medium, high, prohibited) and the factors that determine each score. Use a table mapping risk factors to point values and thresholds.
List the specific conditions that trigger EDD, such as PEP status, high-risk jurisdictions, unusual transaction patterns, and adverse media hits.
Describe the continuous monitoring requirements including transaction monitoring thresholds, periodic review schedules, and trigger events for re-assessment.
Document the criteria for filing Suspicious Activity Reports, including red flags, escalation procedures, timelines, and record-keeping requirements. Use tables extensively. Reference applicable regulations (BSA, USA.
Write a KYC/AML Procedure document in a formal, regulatory-compliant tone. Structure with:
Detail the documents and information required for identity verification. Use a table listing document types, acceptable forms, and verification methods for both individuals and entities.
Define the risk categories (low, medium, high, prohibited) and the factors that determine each score. Use a table mapping risk factors to point values and thresholds.
List the specific conditions that trigger EDD, such as PEP status, high-risk jurisdictions, unusual transaction patterns, and adverse media hits.
Describe the continuous monitoring requirements including transaction monitoring thresholds, periodic review schedules, and trigger events for re-assessment.
Document the criteria for filing Suspicious Activity Reports, including red flags, escalation procedures, timelines, and record-keeping requirements.
Use tables extensively. Reference applicable regulations (BSA, USA PATRIOT Act, FATF). Be precise about thresholds and timelines.
Document ID: KYC-CORP-001 | Effective Date: 2026-01-15 | Owner: BSA/AML Compliance Officer
All corporate account applicants must provide the following documentation before account activation:
| Requirement | Acceptable Documents | Verification Method |
|---|---|---|
| Entity formation | Articles of incorporation, partnership agreement | Secretary of State registry lookup |
| Beneficial ownership (>25%) | Government-issued photo ID for each UBO | Identity verification service + manual review |
| Tax identification | IRS EIN confirmation letter (CP 575) | IRS TIN matching |
| Operating address | Utility bill or lease agreement (<90 days) | Physical address verification |
| Board resolution | Signed authorization to open account | Notarized original or certified copy |
Each account is assigned a composite risk score at onboarding:
| Risk Factor | Low (1 pt) | Medium (3 pts) | High (5 pts) |
|---|---|---|---|
| Entity type | Public company | Private LLC | Shell company, trust |
| Jurisdiction | US domestic | FATF member state | FATF grey/black list |
| Industry | Healthcare, education | Real estate, import/export | MSB, casino, cryptocurrency |
| Expected activity | <$50K/month | $50K–$500K/month | >$500K/month |
| Source of funds | Operating revenue | Investment proceeds | Third-party or foreign-sourced |
Score thresholds: 5–8 = Low Risk, 9–15 = Medium Risk, 16–20 = High Risk, 21+ = Escalate to BSA Officer.
EDD is required when any of the following conditions are present:
| Review Type | Frequency | Scope | Owner |
|---|---|---|---|
| Transaction monitoring | Real-time | All debits/credits against thresholds | Automated system |
| Periodic KYC refresh | Annual (high), Biennial (medium), Triennial (low) | Full CIP re-verification | KYC Analyst |
| Sanctions screening | Daily batch + real-time | OFAC SDN, EU, UN consolidated lists | Compliance system |
| Negative news screening | Monthly | All beneficial owners and entity | Third-party vendor |
A Suspicious Activity Report must be filed within 30 calendar days of detection when:
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Template FAQ
Common questions about using and generating a kYC/AML Procedure.
Q: What is a kYC/AML Procedure?
A: A kYC/AML Procedure is a structured document for customer due diligence for [account type].
Q: Can I download this kYC/AML Procedure as Word or PDF?
A: Yes. This page includes free downloads in DOCX, PDF, and Markdown formats so you can edit, share, or import the template into your documentation system.
Q: Can Docsie generate this from a video?
A: Yes. Upload a process walkthrough, training recording, or screen capture to Docsie, then use this template structure to generate a first draft automatically.