KYC refresh и periodic re-verification

KYC не разовая — ongoing process. Regular refresh mandatory.

Trigger events

Time-based: 12–36 месяцев по risk profile. Document expiration: passport, license. Address changes claimed. Deposit method changes. Suspicious activity flagged. Regulator directives. Life events: material shifts.

Risk-based frequency

Standard: 36 месяцев typically. Medium risk: 24 месяца. High risk: 12 месяцев. PEPs: annual minimum. Sanctioned country residents: monthly или blocked. Documented rationale для each tier.

Refresh process

Notification к player. Grace period для submission. Restrictions при non-compliance: withdrawal blocked, deposits limited. Verification of updates: not just self-declaration. Documentation retention. Comparison с previous data.

Ongoing monitoring

Transaction monitoring integration. Behavioral changes detection. External data feeds: PEP list updates, sanctions. Adverse media: automated. Anomaly detection: sudden pattern changes. Investigator alerts. Balance ongoing vs point-in-time reviews.