Answer to Q #1
A client requests you to certify a copy of their driver licence to accompany an application for a loan to buy a vehicle. The client does not have the original driver licence but offers to show it to you via video call. What is the most appropriate course of action?
- Certify the copy after viewing the original on a video call, clearly stating the method of verification in your certification statement.
- Decline to certify the copy, explaining that the original document must be physically presented.
- Suggest the client contacts the receiving agency to confirm if video verification is acceptable.
- Offer to complete a statutory declaration on the client’s behalf, stating that they possess a valid driver licence.
Most appropriate: C
Rationale: This question examines the JP’s understanding of the difference between a standard certified copy, and verification of identity as required for financial transactions under AML-CFT Act.
While Manual section 3.4.4 specifically dealing with AML-CFT certifications via video call, states “If unable to meet with an authorised person in person or via video conference to have their identification document certified for AML purposes, the client may need to discuss what options are available to them with the receiving agency.”
Given this explicit instruction, option c) is the most appropriate response, emphasizing the need to clarify the acceptability of video verification with the receiving agency, as they ultimately determine the validity of the process