(d) legal persons or arrangements that are personal asset-holding vehicles;
(e) companies that have nominee shareholders or shares in bearer form;
(f) businesses that are cash intensive;
(g) the ownership structure of the company appears unusual or excessively complex given the nature of the company's business.
(2) Product, service, transaction or delivery channel risk factors:
(a) private banking;
(d) payment received from unknown or unassociated third parties;
(e) new products and new business prac…