KYC / CDD Requirements Matrix

A working reference and checklist. Pick one or more entity types, jurisdictions and risk levels to see a combined, de-duplicated view of what to collect, what the rules say, and tick off what you have. Every requirement is mapped to its primary-source regulatory reference.

Entity / Customer Type
Jurisdiction
CDD Level / Risk Context

1 scenario combined

Source

Money Laundering Regulations 2017 (MLR), with JMLSG guidance

Regulator

Financial Conduct Authority (FCA)

Covers

Customer identification & verificationBeneficial ownership & controlPurpose & nature of the relationshipOngoing monitoringEnhanced due diligence (PEPs, high-risk countries)Suspicious activity reporting (NCA)
12
Total requirements
Onboarding checklistCollected 0 / 12
Provisions:MLR reg. 28›JMLSG Part I 5.3.143

Identification & Verification

2 required · 2 total

Beneficial Ownership & Control

2 required · 2 total

Purpose & Intended Nature of Business Relationship

1 required · 1 total

Ongoing Monitoring

4 required · 4 total

Additional / Other Considerations

2 required · 3 total

What the rule requires: The rules require you to verify the entity's legal existence and key registration details from an independent source.

What this means

Identify and verify the legal existence of the entity and confirm its key registration details using reliable, independent sources.

What to collect

  • Evidence of legal existence; legal name and trading names
  • Registration number and date of incorporation
  • Country of incorporation; registered office and principal place of business
  • Founding / constitutional documents

Accepted entity / registry evidence

Companies House extract / online search · Certificate of incorporation · Articles of association

JMLSGPart I 5.3.143

Legal basis & guidance

MLRreg. 28

CDD measures (identify & verify)

JMLSGPart I 5.3.143

Private companies / partnerships / trusts

Evidence examples

  • Companies House record
  • Certificate of incorporation / formation documents
  • Constitutional documents (articles, partnership or trust deed)

This matrix is for guidance only and is not legal advice; use it alongside your organisation's policies and procedures and verify against the cited primary source. Incoming changes (e.g. EU AMLR from 2027) are tagged where relevant.