Finance and regulatory duties · France / Switzerland
AML due diligence: prepare the customer file
France and Switzerland impose sector-specific anti-money-laundering duties. Identify the regulated activity and relationship before examining identity, beneficial ownership, purpose and source information. A corporate ownership filing does not replace ongoing diligence. The Swiss October 2026 framework must be considered on its own terms. This organiser uses anonymised references and does not turn risk into an automatic suspicion report.
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France: why separate customer and beneficial owner ?
Their roles and evidence may differ. Preserve the documented connection.
Read the referencesYour question concerns “AML due diligence: prepare the customer file”. Which document should we examine, and does your matter concern France or Switzerland?
3 free questions at signup. Avoid names and sensitive information.
France: which professional diligence framework applies ?
Identify sector and actual activity before assigning obligations.
cmf : art. L561-5cmf : art. L561-620250423_Lignes_directrices_obligations_Tracfin.pdf
Which elements belong together before the next step?
| Preparation question | Point to verify |
|---|---|
| France: which professional diligence framework applies ? | Identify sector and actual activity before assigning obligations. |
| France: why separate customer and beneficial owner ? | Their roles and evidence may differ. Preserve the documented connection. |
| France: what belongs in the identity evidence map ? | Use anonymised document references here, not personal names or copies. |
| France: does a high-risk label automatically mean a suspicion report ? | No. Diligence and suspicion analysis are separate steps. |
cmf : art. L561-5cmf : art. L561-620250423_Lignes_directrices_obligations_Tracfin.pdflbablanchiment dargent
France: why separate customer and beneficial owner ?
Their roles and evidence may differ. Preserve the documented connection.
cmf : art. L561-5cmf : art. L561-620250423_Lignes_directrices_obligations_Tracfin.pdf
France: what belongs in the identity evidence map ?
Use anonymised document references here, not personal names or copies.
cmf : art. L561-5cmf : art. L561-620250423_Lignes_directrices_obligations_Tracfin.pdf
Which official provision helps explain this situation?
Identify sector and actual activity before assigning obligations.
France: does a high-risk label automatically mean a suspicion report ?
No. Diligence and suspicion analysis are separate steps.
cmf : art. L561-5cmf : art. L561-620250423_Lignes_directrices_obligations_Tracfin.pdf
How can you connect the facts and records in your file?
Complete the file references. The initial values illustrate a fictional case; they are not observed product results.
Fictional example · Due-diligence and evidence-provenance map
- Profession
- Activity to classify
- Relationship
- Anonymised file
- Check
- Referenced record
- Risk
- Documented analysis
This worksheet organises records; it does not establish admissibility, entitlement or a procedural outcome.
Switzerland: which current sector scope should be examined ?
Use the applicable Swiss framework and actual professional role.
Switzerland: how should relationship purpose be documented ?
Connect stated activity and available information, retaining unresolved questions.
Switzerland: what source-of-funds record should be prepared ?
Keep references and relevant analysis rather than invented explanations.
Switzerland: what does this organiser submit ?
Nothing. It organises checks and references without reporting a suspicion.
What other questions arise in this file?
France: why separate customer and beneficial owner ?
Their roles and evidence may differ. Preserve the documented connection.
cmf : art. L561-5cmf : art. L561-620250423_Lignes_directrices_obligations_Tracfin.pdflbablanchiment dargent
France: does a high-risk label automatically mean a suspicion report ?
No. Diligence and suspicion analysis are separate steps.
cmf : art. L561-5cmf : art. L561-620250423_Lignes_directrices_obligations_Tracfin.pdflbablanchiment dargent
Switzerland: how should relationship purpose be documented ?
Connect stated activity and available information, retaining unresolved questions.
cmf : art. L561-5cmf : art. L561-620250423_Lignes_directrices_obligations_Tracfin.pdflbablanchiment dargent
Switzerland: what does this organiser submit ?
Nothing. It organises checks and references without reporting a suspicion.
cmf : art. L561-5cmf : art. L561-620250423_Lignes_directrices_obligations_Tracfin.pdflbablanchiment dargent
Which official references should you consult?
- cmf : art. L561-5legifrance.gouv.fr
- cmf : art. L561-6legifrance.gouv.fr
- 20250423_Lignes_directrices_obligations_Tracfin.pdfbanque-france.fr
- lbafedlex.admin.ch
- blanchiment dargentfedpol.admin.ch
Texts cited last checked: 2 November 2026