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1. International Operations: Required if the estate agency operates in multiple jurisdictions or handles international clients

2. Digital Services Risk Assessment: Needed if the firm offers online or virtual property services

3. High-Value Property Procedures: Required for agencies dealing with luxury or high-value properties

4. Corporate Client Procedures: Necessary if dealing with corporate clients or complex ownership structures

5. Staff Training Program: Detailed section on training if the firm has multiple employees or departments

1. Appendix A - Risk Assessment ������Ƶ: Standard templates for conducting individual client risk assessments

2. Appendix B - Customer Due Diligence Checklists: Checklists for different customer types and risk levels

3. Appendix C - Risk Scoring Matrix: Detailed scoring criteria and methodology

4. Appendix D - Red Flag Indicators: List of suspicious activity indicators specific to real estate

5. Appendix E - Document Verification Requirements: Guidelines for verifying different types of identification documents

6. Appendix F - Screening Procedures: Procedures for PEP and sanctions screening

7. Appendix G - Reporting Forms: ������Ƶ for internal suspicious activity reporting

8. Appendix H - Review Log: Template for documenting periodic reviews and updates