AML & KYC Policy

Before starting cooperation we verify the client's identity: company name, registration number (KRS/NIP or foreign equivalent), registered address and the authority of the person signing.

For contracts above EUR 10,000 or on risk indicators, we identify the beneficial owner, including through the Central Register of Beneficial Owners (CRBR).

Clients and their beneficial owners are screened against EU, UN, UK and US (OFAC) sanctions lists and Polish national lists. We do not work with sanctioned persons, entities or jurisdictions.

We assess each client's risk (country, sector, ownership structure, transaction profile) and apply enhanced due diligence to high-risk clients and politically exposed persons (PEPs).

We accept payments only by bank transfer from an account held in the client's name. We do not accept cash, cryptocurrencies or payments from third parties. Payments in amounts or patterns inconsistent with the contract are refused.

We monitor the business relationship on an ongoing basis. Suspicious activity is reported to the General Inspector of Financial Information (GIIF) and the relevant authorities, as required by law.

KYC documentation and transaction records are kept for 5 years from the end of the business relationship.

Our team is trained in AML rules. A person on the management board is responsible for this policy, which is reviewed every year.

AML questions and reports: info@aiexperts.pl, +48 697 247 378.