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journey: uae_vara_vasp_onboarding

1. 1Customer classification: retail, qualified, or institutional, routes the customer down a different evidence path from the first screen.
2. 2Identity: Emirates ID or passport capture, document authentication, liveness and biometric match against the captured document.
3. 3Residency and jurisdiction check: resident vs non-resident path, plus restricted-jurisdiction screening before any account is enabled.
4. 4Sanctions, PEP, and adverse media screening on the natural person and, for institutional accounts, on the entity and its controllers.
5. 5Wallet and counterparty screening (KYT): the customer's declared deposit wallet is screened for exposure before the first transaction.
6. 6Risk scoring and decision: clear, escalate to EDD, or reject, with source-of-funds collection when the score crosses the escalation threshold.
7. 7Ongoing: periodic re-screening, transaction monitoring rules, and re-verification triggers on material change.

journey: uae_cbuae_financial_institution_onboarding

1. 1Product-based risk tiering: the account or wallet product being opened sets the baseline customer risk tier.
2. 2Identity verification: Emirates ID for residents, passport plus visa evidence for non-residents, with document authenticity and liveness checks.
3. 3Address and contact verification where the product tier requires supporting proof.
4. 4Sanctions and domestic list screening, PEP determination including family members and close associates, and adverse media.
5. 5Purpose of relationship and expected activity capture, used later as the baseline for transaction monitoring.
6. 6Risk-based approval: standard approval, or escalation to enhanced due diligence with senior management sign-off for high-risk relationships.
7. 7Ongoing: continuous screening, periodic review scheduled by risk tier, and suspicious activity case creation for internal reporting.

journey: uae_cma_investor_onboarding

1. 1Investor classification: retail, professional, or institutional, driving the evidence and suitability path.
2. 2Identity and, for entities, KYB: trade license, constitutional documents, ownership chain, and UBO verification to natural persons.
3. 3Authorized signatory and representative verification for corporate and institutional accounts.
4. 4Sanctions, PEP, and adverse media screening on the investor, entity, directors, and beneficial owners.
5. 5Source of funds and source of wealth capture for higher-risk or higher-value relationships.
6. 6Risk score, decision, and four-eyes review before the account is enabled for trading.
7. 7Ongoing: re-screening and periodic refresh, with alerts on ownership or control changes.

journey: difc_dfsa_client_onboarding

1. 1Client type and service scope capture, which determines the applicable due diligence level.
2. 2Identity verification for natural persons, or full KYB with ownership and control analysis for entities.
3. 3Cross-border checks: country risk assessment for the client's residence, incorporation, and operating jurisdictions.
4. 4Sanctions, PEP, and adverse media screening across the entity, its owners, and its controllers.
5. 5Enhanced due diligence path for high-risk countries, PEPs, and complex ownership structures, including source-of-wealth evidence.
6. 6Risk decision with documented rationale and compliance officer sign-off.
7. 7Ongoing: risk-based periodic review and event-driven re-verification.

journey: adgm_fsra_client_onboarding

1. 1Business relationship scoping: product, delivery channel, and client type set the initial risk rating.
2. 2Identity or KYB verification, with UBO identification and verification down to natural persons.
3. 3Jurisdiction and delivery-channel risk assessment, including non-face-to-face onboarding controls.
4. 4Sanctions, PEP, and adverse media screening with documented disposition of every hit.
5. 5Wallet and blockchain analytics screening where the client transacts in virtual assets.
6. 6Enhanced due diligence and senior sign-off where the risk rating requires it.
7. 7Ongoing: continuous screening, transaction monitoring, and scheduled refresh by risk rating.

journey: gcc_generic_onboarding

1. 1Jurisdiction selection sets the accepted identity documents and local list screening.
2. 2Identity or KYB verification against locally accepted documents.
3. 3Sanctions, PEP, and adverse media screening including regional lists.
4. 4Risk scoring, escalation, and review using the same engine and case queue as the UAE journeys.