A money service business that mainly serves corridor traffic between Taiwan and Southeast Asia should not be sampled like a domestic payroll bank. Corridor risk shapes both CDD depth and transaction testing.
Corridor concentration
If eighty percent of volume sits in two corridors, our sample overweight those paths — including agent locations, cash versus account funding, and peak festival periods when volumes spike.
Agent oversight
Where independent agents collect funds, anti-money-laundering audit checks often expand into agent file reviews: training attendance, mystery-shopping results if you run them, and how quickly agent-raised suspicions reach the compliance officer.
What to bring to scoping
A corridor heatmap for the last twelve months, agent list with volumes, and any prior supervisory letters mentioning remittance. That packet shortens scoping and keeps the fee proposal honest.