Different delivery channels for the acquisition and management of customers and business relationships, as well as for the delivery of products and services, entail different types and levels of ML/FT risk.

When evaluating delivery channel-related risk, FIs should pay particular attention to those channels, whether related to customer acquisition and/or relationship management, or to product or service delivery, which have the potential to favour anonymity. Among others, these may include non-face-to-face channels (especially in cases where there are no safeguards in place such as electronic identification means), such as internet-, phone-, or other remote-access services or technologies; the use of third-party business introducers, intermediaries, agents or distributors; and the use of third-party payment, or other transaction intermediaries.