{"id":4063,"date":"2026-07-17T08:00:00","date_gmt":"2026-07-17T06:00:00","guid":{"rendered":"https:\/\/j-cred.co.za\/helpcenter\/customer-due-diligence-cdd-basics\/"},"modified":"2026-07-17T08:00:00","modified_gmt":"2026-07-17T06:00:00","password":"","slug":"customer-due-diligence-cdd-basics","status":"publish","type":"docs","link":"https:\/\/j-cred.co.za\/zh\/helpcenter\/customer-due-diligence-cdd-basics\/","title":{"rendered":"Customer Due Diligence (CDD) Basics"},"content":{"rendered":"<p>Customer due diligence (CDD) is the process a business uses to know who its customer is and to assess the risk that customer presents.<\/p>\n<h2>The core steps<\/h2>\n<ul>\n<li><strong>Identify<\/strong> \u2014 obtain the customer&#8217;s identifying details.<\/li>\n<li><strong>Verify<\/strong> \u2014 confirm those details against a reliable, independent source.<\/li>\n<li><strong>Assess<\/strong> \u2014 understand the purpose and nature of the relationship and its risk.<\/li>\n<li><strong>Monitor<\/strong> \u2014 keep records and review the relationship over time.<\/li>\n<\/ul>\n<h2>Levels of due diligence<\/h2>\n<ul>\n<li><strong>Simplified<\/strong> \u2014 for lower-risk customers.<\/li>\n<li><strong>Standard<\/strong> \u2014 the normal level for most customers.<\/li>\n<li><strong>Enhanced<\/strong> \u2014 extra checks for higher-risk customers, such as politically exposed persons.<\/li>\n<\/ul>\n<h2>Why it matters<\/h2>\n<p>Good CDD prevents fraud, money laundering and the misuse of services, and helps organisations meet their legal obligations.<\/p>\n<p><em>This article is for general education and is not legal advice. Always confirm the latest requirements with the relevant regulator or your service provider.<\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>Customer due diligence (CDD) is the process a business uses to know who its customer is and to assess the risk that customer presents. The core steps Identify \u2014 obtain the customer&#8217;s identifying details. Verify \u2014 confirm those details against a reliable, independent source. Assess \u2014 understand the purpose and nature of the relationship and its risk. Monitor \u2014 keep records and review the relationship over time. Levels of due diligence Simplified \u2014 for lower-risk customers. Standard \u2014 the normal level for most customers. Enhanced \u2014 extra checks for higher-risk customers, such as politically exposed persons. Why it matters Good CDD prevents fraud, money laundering and the misuse of services, and helps organisations meet their legal obligations. This article is for general education and is not legal advice. Always confirm the latest requirements with the relevant regulator or your service provider.<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"_eb_attr":"","_templately_pack_id":"","_templately_imported_at":"","_templately_source":"","_templately_import_session_id":"","footnotes":""},"doc_category":[37],"doc_tag":[],"class_list":["post-4063","docs","type-docs","status-publish","hentry","doc_category-fica-cdd"],"blocksy_meta":{"styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":8}},"year_month":"2026-10","word_count":134,"total_views":"1","reactions":{"happy":"0","normal":"0","sad":"0"},"author_info":{"name":"KTO Digital Admin","author_nicename":"tsholo","author_url":"https:\/\/j-cred.co.za\/zh\/author\/tsholo\/"},"doc_category_info":[{"term_name":"FICA &amp; Customer Due Diligence","term_url":"https:\/\/j-cred.co.za\/zh\/docs-category\/telecom-compliance\/fica-cdd\/"}],"doc_tag_info":[],"_links":{"self":[{"href":"https:\/\/j-cred.co.za\/zh\/wp-json\/wp\/v2\/docs\/4063","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/j-cred.co.za\/zh\/wp-json\/wp\/v2\/docs"}],"about":[{"href":"https:\/\/j-cred.co.za\/zh\/wp-json\/wp\/v2\/types\/docs"}],"author":[{"embeddable":true,"href":"https:\/\/j-cred.co.za\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/j-cred.co.za\/zh\/wp-json\/wp\/v2\/comments?post=4063"}],"version-history":[{"count":0,"href":"https:\/\/j-cred.co.za\/zh\/wp-json\/wp\/v2\/docs\/4063\/revisions"}],"wp:attachment":[{"href":"https:\/\/j-cred.co.za\/zh\/wp-json\/wp\/v2\/media?parent=4063"}],"wp:term":[{"taxonomy":"doc_category","embeddable":true,"href":"https:\/\/j-cred.co.za\/zh\/wp-json\/wp\/v2\/doc_category?post=4063"},{"taxonomy":"doc_tag","embeddable":true,"href":"https:\/\/j-cred.co.za\/zh\/wp-json\/wp\/v2\/doc_tag?post=4063"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}