Delivery risk refers to the methods or channels through which a business provides products and services to its customers.

Any mechanism which avoids face-to-face or personal contact provides additional opportunities for criminals. The rapid growth in e-commerce and financial services has therefore added new challenges to customer identification processes.  

Businesses that offer products or services by post, phone, facsimile, courier or internet services, should implement procedures to identify the customer to the same standards as it would for face-to-face business.

It is important that a logical approach to the customer identification process is adopted.  Photographic evidence of identity does not mitigate risk when there is no intention to meet with the customer face-to-face. 

Non face-to-face identity procedures should be at least as robust as those for face-to-face identification.   

Businesses that allow customers to conduct transactions over the internet should consider regular monitoring if additional know your customer information is not available.