Remote Onboarding Compliance: AMLR, EBA Guidelines & Remote CDD Expectations (H1052)
A practical course on designing compliant and defensible remote onboarding systems under AMLR and EU guidelines.
✓ Remote onboarding regulatory framework
✓ Technology and automation in AML
✓ Sanctions screening and monitoring risks
✓ Designing defensible onboarding processes
A specialised course on remote and digital onboarding that shows how to comply with AMLR, the EBA Guidelines on remote customer onboarding and eIDAS, while meeting supervisory expectations in Cyprus and the EU. The programme focuses on practical use of technology, automation, sanctions screening and monitoring to design defensible remote onboarding systems and files
Table of Contents
- About the Course
- Who Should Attend
- Key Learning Objectives
- Course Curriculum
- Meet the Trainer
- FAQs – Frequently Asked Questions
- Other Upcoming Courses
- Fees & Registration Details
- Registration Form
About the Course
Remote onboarding is now central to how many firms acquire clients, yet it also amplifies AML, fraud and conduct risks. The new EU AML Regulation explicitly recognises secure remote electronic identification and links it to eIDAS assurance levels, while the EBA Guidelines on remote customer onboarding set detailed expectations on governance, risk assessment, technology, outsourcing and documentation. Supervisory authorities and professional bodies expect obliged entities to show that their remote onboarding processes are robust, risk‑based and fully evidenced.
This course provides a structured, practice‑oriented framework for designing remote onboarding journeys that meet these expectations. It combines an overview of the regulatory framework with concrete guidance on the use of technology and automation in AML, typology detection, sanctions screening and monitoring. Through case studies, examples from the field and a final design workshop, participants learn how to build and document remote onboarding systems that are both efficient for clients and defensible to supervisors and internal audit.
This course focuses on:
- Understanding what AMLR, EBA Guidelines and eIDAS require for remote onboarding.
- Using technology and automation in a controlled, risk‑based way without becoming over‑technical.
- Learning from typologies and real‑world failures to design defensible remote onboarding systems that stand up to supervisory scrutiny
Register to this course via ERMIS platform using code 636154
*This training program is designed to support continuing professional development (CPD). Participants are encouraged to verify with their professional body or regulatory authority whether the training meets their individual or institutional CPD requirements.
Timetable
Who Should Attend
This online CPD Course on Remote Onbarding Compliance in Cyprus is suitable for:
Compliance Officers and AML Officers.
MLROs and Deputy MLROs.
Operations and onboarding/KYC managers.
Product owners and project managers responsible for digital onboarding channels.
Risk managers, internal auditors and legal advisers involved in onboarding design or review.
Professionals in audit/accountancy, law and other obliged entities supervised by bodies such as CYBAR and ICPAC.
Representatives of supervisory or professional bodies who oversee AML/CFT frameworks and remote‑onboarding practices.
Prerequisites:
Basic knowledge of AML/CFT requirements (CDD, EDD, sanctions, STRs). Experience with onboarding or customer‑facing processes is helpful but not essential.
Key Learning Objectives
After completing the programme, participants will be able to:
- Describe the applicable regulatory framework for remote onboarding, including AMLR, the EBA Guidelines on remote customer onboarding, eIDAS requirements and key expectations of supervisory authorities and professional bodies.
- Explain how remote electronic identification can be used within a risk‑based approach, including the benefits and limitations of different non‑face‑to‑face methods.
- Identify common AML and fraud typologies, sanctions‑screening issues and monitoring failures associated with remote and digital onboarding.
- Map and assess their organisation’s current remote onboarding process for individuals and legal entities.
- Specify practical control requirements for the use of technology and automation (video‑KYC, digital ID, document checks, data analytics) without relying on overly technical detail.
- Recognise weaknesses in sanctions screening and monitoring design that originate from poor onboarding data or processes.
- Design and document a “defensible” remote onboarding system, including evidence of consent, risk‑based decisions and escalation, aligned with supervisory expectations.
- View remote onboarding as a critical AML and conduct‑risk area that requires continual improvement and oversight.
- Apply a questioning, evidence‑oriented mindset when evaluating remote‑identification and automation solutions.
- Promote collaboration between compliance, operations, IT and business lines to strengthen remote onboarding controls.
Course Curriculum
- What is remote onboarding: channels, use cases and typical customer journeys.
- Benefits and risks of non‑face‑to‑face onboarding: speed, cost, customer experience vs identity fraud, impersonation and documentation gaps.
- Positioning remote onboarding within the wider AML framework (Single Rulebook, firm‑wide risk assessment, customer risk scoring).
- Group discussion: participants share current practices and main pain points in remote onboarding.
- Overview of AMLR provisions relevant to remote identification and customer due diligence.
- EBA Guidelines on remote customer onboarding: key principles on governance, risk assessment, technology use, outsourcing and documentation.
- eIDAS assurance levels (“substantial” and “high”) and how they relate to remote electronic identification and trust services.
- Supervisory expectations in Cyprus and the EU, including perspectives of professional bodies such as CYBAR and ICPAC for their supervised entities.
- Interaction with MiFID II (where investment services are offered): aligning AML CDD with suitability/appropriateness and client‑information requirements in remote onboarding.
- Overview of technology options for remote onboarding (kept non‑technical):
video‑KYC and live agent verification,
photo/video capture and liveness checks,
document‑verification tools (basic security‑feature checks, data consistency),
digital ID and simple biometric solutions. - Principles for using automation and rules engines in onboarding: standardisation, consistency, exception handling and human review.
- Data quality considerations: capturing the right data at onboarding to support effective sanctions screening and transaction monitoring later.
- Exercise: review a sample remote onboarding flow and identify where technology is used, where human intervention is needed and how decisions should be documented.
- Common ML/TF and fraud typologies that exploit remote onboarding: money mule recruitment, online investment scams, rapid account opening and abandonment, synthetic identities.
- Indicators and red flags observable during remote onboarding (inconsistent information, device/IP patterns, unusual funding sources, high‑risk profiles).
- How to embed typology‑based questions and checks into remote onboarding forms, scripts and workflows.
- Short case studies illustrating how early red flags were missed or correctly identified during remote onboarding.
- Typical sanctions‑screening weaknesses linked to onboarding: name‑matching issues, missing identifiers, poor data capture, inadequate screening of beneficial owners and connected parties.
- How poor onboarding leads to monitoring failures: incomplete KYC data, vague customer profiles, unclear expected activity.
- Examples (anonymised) of supervisory criticism and internal audit findings relating to remote onboarding and follow‑on controls.
- Discussion: practical steps to strengthen sanctions screening and monitoring by improving how data is collected and validated at onboarding.
- Characteristics of a “defensible” remote onboarding system: clear policies, documented risk‑based rationale, consistent application, strong evidence and audit trails.
- Mapping responsibilities between compliance, operations, IT, business lines and outsourced providers.
Building and using checklists for remote onboarding file reviews and system design assessments. - Workshop: in small groups, participants design or refine a remote onboarding model for a selected business line (e.g. investment services, payment services, professional services) and present:
key steps and controls,
use of technology and automation,
how sanctions screening and monitoring are supported,
what the “ideal” file looks like for a supervisor.
Meet the Trainer
Fees & Registration Details
FAQs – Frequently Asked Questions
This HRDA-accredited, live Zoom seminar uniquely combines AML/CFT, MiFID II, EBA guidelines and CySEC’s PS‑01‑2024, delivering a technology-neutral approach to remote onboarding with risk-based, governance-driven processes.
Ideal for compliance officers, bankers, risk managers, senior leadership, and professionals across investment firms, EMIs, crypto-asset providers, or any regulated entities implementing digital onboarding.
We dive into PS‑01‑2024, covering technology-neutral RCOS, mandatory liveness detection, pre‑implementation risk assessments, and CySEC notification requirements, aligned with EBA guidelines
Attendees will build risk assessment templates, governance checklists, policy drafts, and staff training outlines—ready to implement secure, compliant remote onboarding solutions in their institutions.
The seminar is a delivered live online and participants can be accredited upto 10 CPDs. Standard participation cost is € 350, VAT not included, for HRDA subsidy eligible participants total cost is € 150
Other Upcoming Courses
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