(1) A relevant person must apply on a risk-sensitive basis enhanced customer due diligence measures and enhanced ongoing monitoring -
(a) in accordance with paragraphs (2) to (4);
(b) in any other situation which by its nature can present a higher risk of money laundering or terrorist financing.
(2) Where the customer has not been physically present for identification purposes, a relevant person must take specific and adequate measures to compensate for the higher risk, for example, by applying one or more of the following measures -
(a) ensuring that the customer's identity is established by additional documents, data or information;
(b) supplementary measures to verify or certify the documents supplied, or requiring confirmatory certification by a credit or financial institution which is subject to the money laundering directive;
(c) ensuring that the first payment is carried out through an account opened in the customer's name with a credit institution.