The 20 files in the due diligence toolkit, one by one

The package's source of truth, in five sheets: the 7 diligence types, the 37 documentary rules with their traffic light per type, the 23 source-of-funds evidence items from Acuerdo CONASSIF 11-21, the 19 document classes with expiry and alert window, and the parameters compared between the 12-21 and 13-19 regimes.

Explains the matrix table by table, written in layers: the rule in one sentence, what to do, and the legal basis of each. It includes the decision tree that assigns the diligence type, the timeline of each document and one card per client type. This is the entry document and the one you hand to the team.

Nineteen slides covering the model, the decision tree, the documentary traffic light and the value proposition, to present the policy to the governing body.

The complete form in four sections: identification of individuals, legal entity and beneficial owners, source of funds by category with transactional profile and PEP declaration, and investment capacity for securities intermediaries. It carries an internal block for the diligence type and the risk category.

One checklist per diligence type — simplified, standard for individuals and for legal entities, enhanced, foreign legal entity and structures — with the traffic light, each document's expiry, the condition that makes it required and space for sign-off.

The same six checklists on separate sheets, with an automatic completeness indicator. This is the version to work on the file with; the Word one is what gets printed and archived.

The reasoned summary required for moderate and high-risk files: current situation, background, source of funds and its assessment, expected transactional behaviour and the justification for the risk category assigned.

Three separate declarations — source of funds by category, politically exposed person status and funds held abroad — plus an information page for the client listing which documents work as source of funds and which ones the regulation does not accept.

The minutes for starting, continuing, upgrading or downgrading a high-risk or PEP relationship: documents reviewed, decision, conditions and signatures. This is the evidence that the approval happened and who gave it.

The script for the visit to the client's premises across seven points, with photographic record, conclusion and recommendation. This is what evidences that the declared business activity genuinely exists.

The complete manual in eleven chapters: purpose and scope, the diligence types with their tree, identification documents, the form, source of funds and admissible evidence, risk and enhanced diligence, validity and alerts, lists, roles, third parties and change control. The parameters each entity must decide come as editable fields.

The twelve parameters Acuerdo CONASSIF 12-21 leaves to the entity's judgement, each with its regulatory ceiling, the value we propose, the value approved and room to justify it. Without these minutes, whatever update frequency the entity applies has nothing behind it.

Seven weighted variables on 1-to-5 scales, category thresholds and automatic escalation to high risk for PEPs, binding lists or FATF high-risk countries. The assessment sheet calculates the score, the category, the update frequency and the diligence type that applies.

The inventory of applicable regulations with the date each was last checked and when it is due for review, the change log with its impact analysis, and the version history of the policy and the matrix.

Parameters by regime, document classes with their validity and alert window, the client portfolio with each next update and status, the document register with expiry and alert calculated, and the summary for the Committee.

Portfolio and capacity assumptions, the theoretical monthly distribution set against the team's real capacity and its slack, and the follow-up calendar. This is what stops you committing to a plan that cannot be met.

Thirty questions across six blocks — governance, identification, source of funds, risk and enhanced diligence, updating and retention, and third parties — each with the evidence expected, its legal basis, the score and the action plan, with a compliance percentage per block.

Identification, ownership and control, integrity and compliance, and responsible business conduct, plus the third party's declaration and the entity's assessment with criticality, findings, remediation and suggested contractual clauses.

Nine letters, one per document class — identity, company registration, share capital, certificates, accountant's certification, financial statements, address, periodic update and PEP status — written in four blocks: what is happening, why, what we need and by when, with the suggested notice period.

Sixteen slides for account executives: the five terms to understand, why it matters, the decision tree, the traffic light, three exercises with reasoned answers, expiry dates, when to escalate and a five-question assessment. Designed for a sixty-minute session.