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All IndustriesCDD (Customer Due Diligence) Checklist
Interactive checklist for customer due diligence procedures.
Use this CDD (Customer Due Diligence) checklist to track the basic customer checks you need before onboarding or continuing with a customer.
CDD (Customer Due Diligence) checklist tool
Tick off the checks as you complete them. Your progress is saved in this browser so you can come back later.
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Identify the customer
Verify the customer
Understand the relationship
Decide the risk level
VerifyNow services you can use for this checklist
These links map each CDD (Customer Due Diligence) step to the closest VerifyNow service. Use only the checks your risk policy, customer type and lawful basis require.
Identify and verify a South African person
Use this to verify the South African identity number and retrieve the live Home Affairs photo result.
VerifyNow service
ID + Photo (Real-Time)
Support residential address checks
Use this when your lawful basis and onboarding policy require address or contact history support.
VerifyNow service
Consumer Trace
Compare a selfie to the identity photo
Use this only where your flow needs a selfie-to-photo match, such as remote onboarding or step-up verification.
VerifyNow service
Face Match (Optional)
Verify companies, directors and ownership records
Use this for company onboarding before you verify directors, signatories or beneficial owners.
VerifyNow service
CIPC Company Match and CIPC Director Search
How to add VerifyNow to your onboarding flow
- 1Collect the minimum customer details your policy requires and show the customer your consent or lawful-basis wording.
- 2Run ID + Photo (Real-Time) for South African identity verification, then save the report reference against the onboarding record.
- 3Add Face Match (Optional) only when you need a selfie-to-photo check for remote person confirmation.
- 4If address support is required, run Consumer Trace or collect the proof of address your policy allows.
- 5For companies, run CIPC Company Match, then run CIPC Director Search and verify the relevant directors or beneficial owners.
- 6For higher-risk relationships, run AML (Anti-Money Laundering), PEP (Politically Exposed Person) and sanctions screening before approval.
- 7Store the completed checks, decision, reviewer and next review date in your onboarding or case-management record.
1. Client Identification
- Collect full legal name
- Obtain date of birth
- Record residential address
- Gather contact information (phone, email)
- Collect identification number (ID, passport, etc.)
2. Verification of Identity
- Verify identity documents (check authenticity)
- Cross-check information with independent sources
- Conduct online verification (if applicable)
- Perform biometric verification (if required)
3. Determine Nature of Business Relationship
- Understand purpose and intended nature of the business relationship
- Gather information on occupation or business activities
- Determine expected transaction patterns
4. Beneficial Ownership
- Identify all beneficial owners (for entities)
- Verify identities of beneficial owners
- Understand ownership and control structure
5. Risk Assessment
- Assess client risk profile
- Consider geographical risk factors
- Evaluate product/service risks
- Assess delivery channel risks
6. Enhanced Due Diligence (if applicable)
- Conduct additional verification for high-risk clients
- Obtain senior management approval
- Determine source of funds/wealth
7. Ongoing Monitoring
- Set up transaction monitoring system
- Establish process for periodic client reviews
- Implement procedure for updating client information
8. Record Keeping
- Maintain records of all CDD measures taken
- Keep records of transactions
- Ensure records are easily retrievable
9. Training and Compliance
- Train staff on CDD procedures
- Establish clear escalation procedures
- Conduct regular audits of CDD processes