Certified Due Diligence Specialist in High-Risk Customers (CDD-HRC)
- Description
- Curriculum
- FAQ
- Notice
High-Risk Customer Due Diligence Certification — Globally Recognised (CDD-HRC)
The Certified Due Diligence Specialist in High-Risk Customers (CDD-HRC) is a globally recognised high-risk customer due diligence certification for compliance professionals who onboard, review, and monitor the customers that carry the greatest financial-crime exposure. It builds the skills institutions hire for: risk classification, enhanced due diligence (EDD), source-of-funds and source-of-wealth verification, ongoing monitoring, and defensible exit decisions. CDD-HRC is independently accredited and blockchain-verified by ONRIGA, and verifiable by employers through ACBM Graduate Verify.
✓ Globally recognised · Accredited & blockchain-verified by ONRIGA
What you’ll learn in this high-risk customer due diligence certification
- What makes a customer high-risk: geography, industry, structure, products, and behaviour
- Risk-scoring models and the risk-based approach to customer classification
- Enhanced due diligence (EDD): source of wealth, source of funds, and beneficial ownership
- Managing high-risk segments: cash-intensive businesses, offshore structures, MSBs, and complex entities
- Ongoing monitoring, red flags, periodic and event-driven reviews
- Escalation, de-risking, exit decisions, and audit-ready documentation
Who this certification is for
Built for KYC and CDD analysts, EDD specialists, AML investigators, onboarding teams, and compliance managers who own high-risk customer decisions at banks, fintechs, and payment institutions.
CDD-HRC: FAQs
What is high-risk customer due diligence? It’s the enhanced process of identifying, verifying, and monitoring customers who present elevated financial-crime risk — combining deeper verification (EDD), stricter documentation, senior-management approval, and closer ongoing monitoring than standard CDD.
Is CDD-HRC a recognised certification? Yes — CDD-HRC is a globally recognised certification issued by ACBM and independently accredited and blockchain-verified by ONRIGA.
Who should take CDD-HRC? Professionals who classify, onboard, or review high-risk customers — CDD/EDD analysts, AML teams, and compliance officers responsible for high-risk portfolios.
How is the exam structured? A 50-question MCQ exam, 40 minutes, 75% passing score, with two attempts included. Materials are available on the LMS immediately after enrolment.
Is the certificate verifiable by employers? Yes — via ACBM Graduate Verify, accredited & blockchain-verified by ONRIGA.
Enrollment Procedure
Enrolling in the CDD-CB certification is quick and fully online. Follow these steps:
- Visit the Home Page: Navigate to the CDD-CB program on the home page and click “View Details”.
- Register: Click “Get Course” and enter your name, address, and contact details.
- Payment: Complete your payment via our secure payment gateway.
- Access Materials: Study materials are available immediately on the Learning Management System (LMS).
Exam Details
- Format: 50 Multiple-Choice Questions (MCQs)
- Duration: 40 minutes
- Mode: Online
- Passing Score: 75%
- Attempts: 2 attempts included (additional attempts available for 25% of the fee)
- Results: Instant results upon completion, with immediate certificate download upon passing.
Syllabus
Section 1: Introduction to High-Risk Customers and Regulatory Standards
Chapter 1: Understanding High-Risk Customers
- Overview of high-risk customer categories (PEPs, NPOs, HNWIs, etc.)
- Criteria for categorizing customers as high-risk
Chapter 2: AML and KYC Regulations for High-Risk Customers
- Key AML/KYC standards applicable to high-risk customers
- Overview of FATF guidelines, sanctions compliance, and global regulations
Section 2: Enhanced Due Diligence (EDD) for High-Risk Customers
Chapter 3: Standard and Enhanced Due Diligence Requirements
- Core data collection and verification for high-risk customers
- Enhanced due diligence (EDD) process, including UBO identification
Chapter 4: Ongoing Monitoring and Risk Assessment
- Transaction monitoring and identifying suspicious activities
- Regular reviews and risk assessments specific to high-risk customers
Section 3: Risk Mitigation and Compliance Management
Chapter 5: Managing Sanctions and Adverse Media
- Conducting sanctions screening for high-risk customers
- Handling adverse media and integrating findings into risk assessments
Chapter 6: Reporting and Documentation
- Reporting suspicious activities and meeting regulatory obligations
- Record-keeping and documentation requirements for high-risk customer due diligence
Explore more
High-risk work overlaps heavily with PEPs — pair CDD-HRC with the Certified Due Diligence Specialist in Politically Exposed Persons (CDD-PEP), compare options in our best KYC certification global comparison, or practise with our free 500 KYC interview questions and answers.
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We are thrilled to offer a variety of certifications tailored to empower professionals in AML, KYC, compliance, and due diligence. These certifications are designed to provide industry-relevant knowledge, practical tools, and actionable insights to help you excel in your career.
Common Enrollment Information for All Certifications
Exam Format
- 50 MCQs, 40 minutes, online.
- Passing score: 75%.
- Multiple Attempts: Includes 2 attempts to pass the exam (25% of the certification fees for additional attempt)
Certificate Download
- Once you pass the exam, your certificate will be available immediately for download in the Profile Section.
Full Access to Materials
It takes 3 hours after enrollment to gain full access to download materials. Kindly allow this processing time.
Why Choose Our Certifications?
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Enroll today and take the next step in your professional journey! Whether you're advancing your career in compliance, AML, KYC, or due diligence, our certifications are here to support your success.
