RBI KYC/AML Control Assessment & 10% UBO Identifier

Evaluate KYC/AML compliance under RBI Master Direction & PMLA 2023. Test 10% corporate UBO thresholds, audit V-CIP video onboarding controls, and verify Small Account ceiling limits.

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How to Use RBI KYC/AML Control Assessment & 10% UBO Identifier

  1. Audit CDD and AML controls across Risk Profiling, V-CIP, Small Accounts, and Sanctions Screening.
  2. Use the 10% UBO Identifier to determine natural person beneficial owners under amended PMLA 2023 rules.
  3. Verify Small Account limits (₹50k balance, ₹1L annual credits, ₹10k monthly debits).
  4. Export the formal KYC/AML Compliance Workpaper.

V-CIP Technical Controls under RBI KYC Master Direction

Video Customer Identification Process (V-CIP) mandates real-time GPS coordinate capture within Indian borders, AI facial match against OVD photos, and live PAN API verification with NSDL/Protean.

Frequently Asked Questions

What is the revised UBO threshold under PMLA 2023?
The Ministry of Finance amended the PMLA rules in March 2023, reducing the beneficial ownership threshold for corporate entities from 25% down to 10%.