Enhanced Due Diligence

Definitions #

A deeper background check on a potential business partner or customer, done when the risk of money laundering or fraud is higher.

Technical A risk-based due diligence process mandated by AML/CTF regulations for high-risk customers, involving source-of-funds verification and beneficial ownership identification.

Example The bank applied enhanced due diligence to the politically exposed person before extending the credit line.

Etymology #

Enhanced (amplified) + due diligence (legal concept of reasonable care in transactions).

Collocations #

CDD vs EDD 常规尽调与强化尽调（分别用于中风险与高风险客户）
EDD measures 强化尽调措施（通常包括资金来源核实、受益所有人识别）
risk-based approach 风险为本方法（根据客户风险等级调整尽调强度）

Real Business Examples #

The bank applied enhanced due diligence to the politically exposed person before extending the credit line.
Compliance officers escalated the case to EDD after transaction pattern anomalies were flagged.

Register & Variants #

Register: formal
BrE/AmE: 全球通用（金融合规语境）

Synonyms & Antonyms #

Synonyms: EDD
Antonyms: Simplified Due Diligence

Common Errors #

误以为 EDD 仅适用于 PEP 客户。 EDD 适用于所有高风险客户（包括高风险国家居民、异常交易等），不仅是 PEP。

Confusable Terms #

CDD vs Enhanced Due Diligence: 常规尽调是基础，EDD 是在 CDD 基础上额外措施，针对高风险。

Frequently Asked Questions

什么情况下必须做 EDD？?

当客户属于 PEP、位于高风险国家、涉及大额现金或与洗钱风险相关时会触发。

EDD 会延长业务时间吗？?

通常会增加流程时间，因为需要额外核实和审批。

Published: 2026-09-24 Category: Compliance