General AML/CFT Compliance Manual for DNFBPs

This professional manual provides a rigorous compliance framework for designated non-financial businesses and professions (DNFBPs), with a focus on EU-facing and Cyprus-relevant obligations. It explains the DNFBP gatekeeper role, risk-based customer due diligence, corporate transparency and beneficial ownership verification, source-of-funds and source-of-wealth investigations, red-flag escalation, and suspicious transaction reporting. The program concludes with an auditable onboarding workflow designed to help professionals apply proportionate controls, document decisions, and reduce institutional exposure to money-laundering and terrorist-financing risk.