What is enhanced due diligence?
Enhanced due diligence (EDD) is a deeper investigation applied when customer risk is higher than your standard profile—for example a politically exposed person, a high-risk geography, or a watchlist result that needs human review.
What EDD usually adds
Source of funds or wealth questions, extra identity evidence, senior-approval gates, and more frequent refresh. The exact pack is your policy. The screening API should give reviewers the list context and identifier they need to start that pack.
PEP and EDD
A PEP match is a common EDD trigger, not a prohibition. Blocking every PEP without review creates false declines and still fails to document judgment. Route REVIEW, collect the extra evidence, then decide.
How Naiza supports EDD without owning it
Naiza does not replace your EDD checklist. It supplies AML match context (including PEP and documented watchlist sources on the AML page) and fraud event history so investigators see onboarding and later payments in one trail.
Frequently asked questions
Short answers written so search and answer engines can cite them.
What does EDD mean in AML?
EDD means enhanced due diligence: additional information and approval for customers whose risk is above your standard CDD tier.
Does a PEP match require EDD?
Typically yes, under a risk-based policy. It does not automatically mean you must reject the customer.
Can an API perform EDD by itself?
No. An API returns screening and fraud signals. People and written procedures complete EDD.