Ghana International Bank Plc

Customer Due Diligence

For any company or trust customer, find out who really owns or controls it (the actual humans), and prove it, before letting them transact.

Starting threshold:

>25% direct or indirect ownership/voting rights defines a beneficial owner; verify identity of every such person; require the full chain to be resolved to natural persons within 3 ownership layers before activation, or document why a deeper/opaque chain is acceptable.

First-line owner:

KYC Operations / Corporate Onboarding team

Customer Due Diligence

For a specific large or unusual deposit, establish and evidence where that exact money came from before it is used.

Starting threshold:

Verify source of funds for any single inflow >= GBP 10,000 (or local equivalent) or aggregated inflows >= GBP 10,000 in 30 days; lower to GBP 0 (verify all) for high-risk and PEP relationships; always verify where the payer differs from the customer or the funds originate in a high-risk third country (reg.33).

First-line owner:

Relationship Management / Onboarding with KYC Operations

Screening

Before banking another bank, the firm checks that respondent's ownership, controls and customers so it does not unknowingly process crime or sanctions risk on their behalf.

Starting threshold:

No relationship without completed EDD and senior sign-off; respondent or owner screening hit at fuzzy score >= 85% holds onboarding for review; payable-through / nested access prohibited unless specifically assessed and controlled. Shell banks are an automatic decline.

First-line owner:

Correspondent Banking / Financial Institutions relationship team