Recital 72

(72) In specific circumstances, FIUs should be able to request, on their own behalf or on behalf of another FIU, an obliged entity to monitor, for a defined period, transactions or activities carried out through a bank account or payment account or crypto-asset account or another type of business relationship in relation to persons presenting a significant risk of money laundering, its predicate offences or terrorist financing. Closer monitoring of an account or a business relationship can provide the FIU with additional insights into the account holder’s transaction patterns and lead to the timely detection of unusual or suspicious transactions or activities that might warrant further action by the FIU, including the suspension of the account or the business relationship, the analysis of the intelligence gathered and its dissemination to investigative and prosecutorial authorities. FIUs should also be able to alert obliged entities of information relevant to the performance of customer due diligence. Such alerts can help obliged entities to inform their customer due diligence procedures and ensure their consistency with risks, update their risk assessment and risk management systems accordingly and provide them with additional information that might trigger the need for enhanced due diligence on certain customers or transactions that present higher risks.

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Source: EUR-Lex CELLAR · retrieved 2026-09-04 · Text as adopted (Official Journal); later amendments are not incorporated in this text.