What's the real difference between CDD and EDD, and when do I need the deeper check?

Customer Due Diligence (CDD) is the baseline required for every client without exception, individual or company: verifying identity through valid official documents, identifying and understanding who the actual beneficial owner is when the client is a legal entity, understanding the purpose of the relationship or transaction, and monitoring activity continuously throughout the relationship to confirm it stays consistent with what you knew about the client at onboarding. This is not a one-time step done at file opening and then forgotten — it has to keep running for the life of the relationship.

Enhanced Due Diligence (EDD) kicks in when a client falls into a higher-risk category: a politically exposed person (PEP) or their close associates, a client connected to a high-risk or increased-monitoring jurisdiction under the official lists, an unusually complex or opaque ownership structure, or transactions that are large and out of character for the client's normal activity. In these cases, the requirement is deeper information on the source of funds and source of wealth, senior-management sign-off before accepting the relationship, and more frequent monitoring. Federal Decree-Law No. 10 of 2025 and its implementing Cabinet Resolution No. 134 of 2025 are the legal basis for all of this. RASEEKH helps clients build a clear CDD model that draws a practical line between a routine case and one that genuinely needs deeper scrutiny, instead of an ad-hoc call every time.