🔐 Identity Verification & Compliance¶

The Regulatory Framework Behind eKYC¶

This section covers the regulatory concepts, compliance frameworks, and verification processes that drive the entire eKYC industry. From KYC and AML basics to FATF standards, due diligence levels, sanctions screening, and beneficial ownership — every concept that a compliance officer, product manager, or eKYC engineer needs to understand.

Articles in This Section¶

Core KYC Concepts¶

#	Article	What You'll Learn
1	KYC Deep Dive	Comprehensive KYC — beyond the basics
2	eKYC Deep Dive	Technical and regulatory deep dive into electronic KYC
3	Video KYC (V-KYC)	Live video-based verification — process, regulation, technology
4	Central KYC (cKYC)	India's centralized KYC registry system
5	Re-KYC	Periodic customer re-verification requirements

Business & Entity Verification¶

#	Article	What You'll Learn
6	KYB — Know Your Business	Verifying companies, entities, and their owners
7	KYT — Know Your Transaction	Transaction monitoring and suspicious pattern detection

Due Diligence Levels¶

#	Article	What You'll Learn
8	Customer Due Diligence (CDD)	The standard verification process
9	Enhanced Due Diligence (EDD)	Deep investigation for high-risk customers
10	Simplified Due Diligence (SDD)	Lighter verification for low-risk scenarios

AML & Counter-Terrorism¶

#	Article	What You'll Learn
11	Anti-Money Laundering (AML)	Complete AML framework and its relationship with eKYC
12	Combating Financing of Terrorism (CFT)	How eKYC supports counter-terrorism financing
13	FATF	The global body setting AML/KYC standards

Screening & Risk Assessment¶

#	Article	What You'll Learn
14	Politically Exposed Persons (PEP)	Identifying and managing high-risk political figures
15	Sanctions Screening	Checking against global sanctions lists
16	Adverse Media Screening	Negative news monitoring and its role in risk assessment

Ownership & Source Verification¶

#	Article	What You'll Learn
17	Ultimate Beneficial Owner (UBO)	Identifying who really owns and controls entities
18	Source of Funds / Wealth (SOF/SOW)	Verifying where money comes from

How These Concepts Connect¶

graph TD
    FATF[FATF Standards] --> AML[AML Regulations]
    FATF --> CFT[CFT Regulations]
    AML --> KYC[KYC Requirements]
    CFT --> KYC

    KYC --> CDD[Customer Due Diligence]
    CDD --> SDD[Simplified DD<br/>Low Risk]
    CDD --> STD[Standard CDD<br/>Normal Risk]
    CDD --> EDD[Enhanced DD<br/>High Risk]

    KYC --> eKYC[Electronic KYC]
    KYC --> VKYC[Video KYC]
    KYC --> cKYC[Central KYC]
    KYC --> reKYC[Re-KYC]

    CDD --> PEP[PEP Screening]
    CDD --> SANC[Sanctions Screening]
    CDD --> AM[Adverse Media]
    CDD --> SOF[Source of Funds]

    KYC --> KYB[KYB - Business]
    KYB --> UBO[UBO Identification]

    KYC --> KYT[KYT - Transactions]

    style FATF fill:#4051B5,color:#fff
    style KYC fill:#6A1B9A,color:#fff
    style eKYC fill:#2E7D32,color:#fff

For eKYC Engineers

If you're building eKYC systems, the most practically relevant articles are: CDD (what you're actually implementing), PEP/Sanctions Screening (what your backend needs to check), and KYT (ongoing monitoring requirements).