> For the complete documentation index, see [llms.txt](https://www.headlesslaw.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://www.headlesslaw.com/amlr/annexes/annex-i.md).

# Annex I

*In force · Regulation (EU) 2024/1624, OJ L, 2024/1624, 19.6.2024 · Checked against EUR-Lex on 30 Sep 2026 ·* [*Official source*](https://eur-lex.europa.eu/eli/reg/2024/1624/oj/eng)

#### Indicative list of risk variables

The following is a non-exhaustive list of risk variables that obliged entities shall take into account when drawing up their risk assessment in accordance with Article 10 and when determining to what extent to apply customer due diligence measures in accordance with Article 20:

**(a)** Customer risk variables:

**(i)** the customer’s and the customer’s beneficial owner’s business or professional activity;

**(ii)** the customer’s and the customer’s beneficial owner’s reputation;

**(iii)** the customer’s and the customer’s beneficial owner’s nature and behaviour;

**(iv)** the jurisdictions in which the customer and the customer’s beneficial owner are based;

**(v)** the jurisdictions that are the customer’s and the customer’s beneficial owner’s main places of business;

**(vi)** the jurisdictions to which the customer and the customer’s beneficial owner have relevant personal links;

**(b)** Product, service or transaction risk variables:

**(i)** the purpose of an account or relationship;

**(ii)** the regularity or duration of the business relationship;

**(iii)** the level of assets to be deposited by a customer or the size of transactions undertaken;

**(iv)** the level of transparency, or opaqueness, the product, service or transaction affords;

**(v)** the complexity of the product, service or transaction;

**(vi)** the value or size of the product, service or transaction;

**(c)** Delivery channel risk variables:

**(i)** the extent to which the business relationship is conducted on a non-face-to-face basis;

**(ii)** the presence of any introducers or intermediaries that the customer might use and the nature of their relationship with the customer;

**(d)** Risk variable for life and other investment-related insurance:

**(i)** the risk level presented by the beneficiary of the insurance policy.


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter:

```
GET https://www.headlesslaw.com/amlr/annexes/annex-i.md?ask=<question>&goal=<endgoal>
```

`ask` is the immediate question: it should be specific, self-contained, and written in natural language.
`goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal.

The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.