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Re-KYC and restrictions

Periodic review (Re-KYC)

Section titled “Periodic review (Re-KYC)”

The review cycle follows the risk level. The defaults are the guideline ceilings: High every 365 days, Medium every 730, Low every 1,095. An institution can set shorter cycles. The database refuses longer ones.

Re-KYC ladderThe system opens a review 60 days before the due date, reminds at 30 days and daily in the final week, and restricts the account to Exit-Only the day after the due date; when the customer replies, officers record and sign off and a new cycle starts.Review opensemail notice · first SMSSecond reminderSMS and emailDaily remindersSMS and emailExit-Onlysell or withdraw onlyCustomer replies at any step → officer records the answer → sign-off → next cycle startsMAXIMUM CYCLE: HIGH 365 · MEDIUM 730 · LOW 1,095 DAYST-60T-30T-7 … T-1DUE + 1DUELEGENDMessage to the customerRestrictionOfficer path
The ladder runs every calendar day, Bangkok time, weekends and holidays included.
  • A review opens at least 60 days before the due date.
  • Messages go out between 08:00 and 20:00, in the institution’s name and through its own e-mail and SMS providers. Each message records its result: sent, failed after three tries, or not sent with a reason (for example, the review was already finished).
  • The day after the due date, an overdue-review restriction opens and the account becomes Exit-Only: the customer can sell or withdraw, nothing else.
  • When the customer replies, an officer records the answer and the review goes through sign-off. Officers can also run reviews in bulk.

Restrictions

Section titled “Restrictions”

Every account has four legs: deposit, withdraw, buy and sell. A restriction closes one or more legs, and so does releasing it: nothing is all-or-nothing by accident.

  • Restrictions open from an overdue review, a confirmed match, a letter from an authority or an officer’s decision.
  • Releasing a restriction follows its own unlocking rules and sign-off.
  • Each order is tracked against what was actually done. For a DA Dealer, the trading system confirms execution back to CDD Core.