When to Outsource Customer Due Diligence

Customer Due Diligence (CDD) Outsourcing means handing over some or all your CDD obligations to a trusted partner. Instead of managing the process entirely in-house, you can rely on experts to handle everything – from onboarding checks and risk-rating to ongoing monitoring and record keeping. 

With AMLHUB, outsourcing CDD doesn’t mean losing control. You gain the support of specialists, combined with the visibility and audit trail that we provide.

Why Getting CDD Right Matters

Under New Zealand’s AML/CFT framework, reporting entities are required to carry out robust CDD at onboarding and throughout the customer relationship. That means verifying identity, assessing risk, monitoring activity, and keeping clear records consistently and accurately.

Failure to get CDD right can result in costly remediation work, potential compliance breaches, regulatory scrutiny, and even in extreme cases, reputational damage. For many businesses, the challenge isn’t knowing what to do, it’s finding the time and resource to do it well, every time.

When Customer Due Diligence Outsourcing Makes Sense

Outsourcing CDD could be the right move if:

• Admin is slowing you down: Manual CDD checks, paperwork, and risk assessments are eating into time better spent on your business.
• Your team is stretched: You’re growing, but compliance capacity hasn’t kept up.
• You need expert support: Complex cases or high-risk customers can benefit from specialist oversight.
• You want peace of mind: Outsourcing ensures your CDD processes are aligned with AML/CFT obligations and Supervisor expectations.

For many businesses, handling CDD in-house becomes more resource-intensive than expected. A full-time employee might spend weeks chasing documents, verifying details, and managing admin-heavy processes.

"It’s incredibly reassuring not having to handle every case ourselves - AMLHUB has proven time and again that they can manage even our trickiest clients with professionalism and ease."

- Hugh Urquhart, Office Manager, Apartment Specialists

What You Can Outsource

Whether you need help with straightforward cases or complex client structures, you can outsource as much or as little as you like. This includes:

• Individuals
• Companies
• Trusts
• Remote clients
• Complex structures
• Partially-complete CDD

Everything is handled in line with your AML programme – and you can on-charge the cost to your client, so you don’t wear it yourself.

How AMLHUB Makes it Easy

When you outsource through AMLHUB, your CDD is handled by AML compliance experts, using the AMLHUB platform.

Our team handles the full onboarding journey, applies risk-ratings, and keeps records -all in line with your AML programme. Everything is centralised and visible in AMLHUB, with no hidden steps or surprises – just a consistent, audit-ready process.

Here’s how it works:

1. Select the type of CDD outsourcing service you need from within AMLHUB.
2. Send your CDD files to us.
3. Our team will make first contact with your client within two hours.
4. We complete the CDD, load all files and structures into AMLHUB, and make them available for your review.
5. You sign off the outsourcing.

You stay in control. We take care of the admin.

"We rely on AMLHUB’s CDD Outsourcing service for all clients involving a Company or Trust. Entrusting experts with the Enhanced CDD process not only ensures compliance and peace of mind, but also delivers excellent value for money. The team keeps me informed through the Hub’s integrated progress tracking and are always exceptionally responsive to any queries I have in my role as Compliance Officer."

- Odette Wright, Office Manager, Far North Coastal Real Estate Ltd

Let’s Make CDD Easier

If CDD is taking up too much of your time, or you’re just curious about how outsourcing could work, let’s have a chat. Our team can help you decide when outsourcing is the right move – and how to make it work for your business.